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Here are some of their helpful responses that can hopefully encourage you to grow that rainy day fund:
Plan your meals for the week and only grocery shop once a week for what you need to make those meals.
Figure out a budget for your various spending categories (food, going out with friends, buying clothes, etc.) and put cash in an envelope for each of those things. Once the cash runs out for the month or pay period, you’ve hit your limit.
If you work in the service industry, try saving most of your tips — or all of them if you can afford to.
Sign up for the rewards programs and saving apps for nearby grocery stores so you can compare prices for the things on your list.
Only spend money on certain days of the week.
Hide money away in a locked safe so it’s out of sight, out of mind.
Keep a separate account strictly for your hobbies (crafting, gardening, knitting, etc.). Never spend over your set allowance every month and let the unused dollars accumulate over time.
Meal prep and pack your lunch every day.
Earn cash back on your purchases with the Ibotta app.
Have an amount of your check deposited directly into a separate savings account that you have limited access to.
Enroll in a “Save the Change” program with your bank or use an app to automatically round up every purchase to the nearest whole dollar, depositing the spare change into your savings.
Remove the dangerously convenient autofill feature on your computer and beloved shopping sites/apps. This way, you have to actually get up to get your card and you may think harder about the purchase.
Make your own coffee!
Use the zero-based budgeting method — at the beginning of the month or pay period, figure out what you’re going to spend every dollar of your income on.
Use the 52-week money challenge method — save the dollar amount equal to the week of the year it is. For example, the first week of the year is $1, second week is $2… last week of the year is $52. By the end of the year, you’ll have $1,378 saved.
Take $20 (or more) out of every check and put it in an envelope. And keep the envelope stashed away so you don’t think about it.
Shop in bulk and pay attention to the cost per item/ounce.
Or stick to the essentials by ordering your groceries online.
Tape up a sign to remind yourself how much money you spent on food delivery last year and use it as motivation to cook more.
Use the Digit app to pull small amounts of money from your bank account daily, so over time you can accumulate a nice chunk of cash.
And monitor those monthly subscription services and actually ~cancel~ the ones you don’t need. You can do this on your own or with the help of an app, like Truebill.
When you actually have money in your savings account: