How to Stretch Your Money
If you’re feeling like you are living paycheck-to-paycheck down to the last penny, it might be time to cut back on some small luxuries in your life. When you add up all those small, unnecessary luxuries, it makes room for bigger and better things (like money in your pocket). You’ll be surprised how much money you can save by couponing or cutting back on some habits. Learn how to stretch your money with TFC Title Loans today!
TFC Title Loans has helped their customers get quick cash since 1994. We understand that living from one penny to the next is no comfortable way to live. We want to tell you about some things that you can find alternatives for or cut back in your life, but still live with a stress-free smile on your face. Here are some ways that you can save on food, save through habits, and save at home.
Save on Food
Skip name brand foods
Most of the time, the store brand foods are from the same companies as the name brand. The only difference is the company doesn’t have to pay for advertising so the store can mark it down. Some may taste different than others while some may be better. It’ll be trial and error, but food is food.
Take a look at the ads for every store. Sometimes drugstores could have better deals than the grocery stores, so don’t leave them out. When it’s time to shop for groceries, don’t be afraid to travel to more than one store. Take advantage of free rewards programs because you can get direct emails about any discounts going on.
Make a list and plan meals
Planning out your meals for the following week could save you money on wasted food and avoid unwanted snacking. Then, when you’re making your list to go shopping for food, you have all the ingredients ready and know how much to get. Once you have the basics, you’ll be able to think about any potential snacks or leftovers you’ll want to have.
Brown bag it
Instead of going out to eat for lunch, try packing yourself a lunch before you go to bed. If you’re in a rush in the morning, you won’t have to worry about forgetting to make one. You could potentially save over $1,000 a year by not eating out for lunch.
Take a look through the newspapers or online ads for any coupons. You have a wide variety of places to look: manufacturer coupons, store coupon books, weekly ads, and even different blog types. Don’t grab unwanted coupons but just use the ones for items you planned to buy anyway.
When you go out to eat, don’t order any appetizers. Appetizers can range from $5-$7 which can sometimes be the same price as your entre. Most appetizers aren’t good for you and they take up room that your entre could have filled. It could also make the difference of a $12 meal to a $20 meal.
Curb Some Habits
Make own coffee
Regardless of your coffee shop of choice, buying coffee everyday can be expensive. The average of $3 per workday turns out to be $700 per year on coffee. Investing in your own machine, grounds, and creamer could really cut your coffee bill down.
Wait 24 hours for large purchases
If there is a pricey item you want, wait 24 hours before actually purchasing it. Maybe wait a couple of days to a week to think about it. You went this long without it, so a little longer won’t kill you. If you have the need to shop, check retail websites for any coupons. You might also get a great deal from joining Amazon Prime, which has free two-day shipping and other exclusive offers.
Don’t be the first
You don’t have to be the first to own something. Just as before, you can wait to get it. Just by waiting, you can get it on sale or discount. Normally, new items’ prices drop when they intend for a new model to come out or it’s been on the market. Different models aren’t that big of a difference either, so it’s not drastic if you don’t have it brand new.
Save at Home
Look at phone bills
Take a look at your phone plan versus what you actually use every month. If you have unlimited data but realize you can get away with having 2 or 3 GB a month, maybe choosing those plans can save you overall.
How often do you watch television? Nowadays, people fuse online streaming websites like Netflix and Amazon Prime. If you only watch TV for the shows, maybe those services have your favorite TV shows up.
Consider turning off your air at night during the summers or turning your heat down during the winters. With a cool night breeze and a simple fan, you can save energy during the summer. During the winter, a couple extra layers or some blankets could help save on heating. A little can really go a long way.
TFC Car Title Loans
If a quick cash “pick-me-up” is what you need, consider filing for an auto title loan with TFC. We can get you quick cash by trading your car title for collateral. Get money in as little as one business day. Give us a call and we can get you started on an application!