Creating a budget grocery list is a smart way to save money while ensuring you have all the essentials you need. With the right items on your list, you can enjoy nutritious and delicious meals without overspending.
Whether you’re trying to cut down on expenses, build healthier eating habits, or just make grocery shopping easier, having a well-planned list is key. Here are 12 must-have items that should be on your budget grocery list to help you stay on track and make the most of your money.
1. Dried Beans
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Dried beans are cheap and full of nutrition. They provide protein and fiber while being low in calories. Perfect for vegetarian and vegan diets, they make a great addition to any budget grocery list.
2. Potatoes
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Potatoes are cost-effective and versatile. They can be used in many dishes and are great for those on a budget. You can bake, boil, or mash them for a frugal and filling meal.
3. Peanut Butter
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Peanut butter is a budget-friendly staple. It’s a good source of protein and healthy fats. You can eat it alone or use it in various recipes to add flavor and nutrition.
4. Oatmeal
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Oatmeal is one of the cheapest and healthiest grains. It’s low in calories, high in fiber, and magnesium. It’s a versatile option for breakfast, snacks, or lunch.
5. Eggs
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Eggs are a cheap source of protein and nutrients. They cost less than ten cents per serving and can be used in many recipes, from omelets to baked goods.
To learn more: 100+ Frugal Meals for When You’re Broke or on a Budget
6. Bananas
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Bananas are a budget staple. They’re inexpensive, easy to store, and perfect for a quick snack or to add to meals.
7. Apples
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Apples are a great budget-friendly fruit. Look for cheaper varieties like Red Delicious and Gala. They’re nutritious and easy to find, making them perfect for a frugal grocery list.
8. Rice
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Rice is a great value food for any budget. It’s widely used in Mediterranean diets and can be added to stir fry or burritos. Add spices for extra flavor.
9. Lentils
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Lentils are a budget-friendly protein source. You can make plant-based meat alternatives or stretch meals by adding them to ground turkey. They’re versatile and nutritious.
10. Carrots
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Carrots are cheap and full of nutrients like fiber, potassium, and beta carotene. They help with weight loss, eye health, and cholesterol. Buy whole carrots instead of baby carrots to save more money.
11. Pasta
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Pasta is a versatile, budget-friendly option. It’s cheap and can be used in many dishes, from main courses to side dishes. Top it with sauce, cheese, or butter for a frugal meal.
12. Canned Tomatoes
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Canned tomatoes are cheaper than fresh and perfect for budget meals. They can be added to stews or sauces. Buying organic canned tomatoes can also save money.
Find 50 more Budget Grocery list ideas
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Want to save money while eating healthy? This guide has a list of affordable food options to keep you full. From meats to grains, fruits to veggies, this budget grocery list has everything you need.
To learn more: The 60 BEST Budget Grocery List Items for Cheap Eating
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Got $10,000 and wondering how to make it grow? Investing can be a great way to build wealth and secure your financial future. Whether you’re new to investing or looking for fresh ideas, these 10 brilliant investment strategies will help you make the most of your money. Find out how to wisely invest $10k and watch your wealth grow.
1. Invest in Index Funds
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Index funds offer an easy way to invest $10K by providing low fees and diversification. They track benchmarks like the S&P 500, making them a simple way to grow wealth over time. You need a brokerage account to start.
2. Put Money in High-Yield Savings Account
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A high-yield savings account is great for storing your $10K safely. It’s FDIC insured up to $250,000, and with interest rates of 2% or more, your money grows without losing value.
To learn more: How Many Bank Accounts Should I Have
3. Invest in Individual Stocks
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Investing in individual stocks can grow your wealth if you’re patient and informed. With $10K, you can buy stocks in 10 to 20 companies, diversifying your investments and potential returns.
To learn more: How To Invest In Stocks For Beginners: Investing Made Easy
4. Fund A Health Savings Account (HSA)
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An HSA is a smart way to invest $10K, offering a triple tax advantage and saving for future healthcare costs. Contributions, earnings, and withdrawals for medical expenses are all tax-free.
5. Invest in Entrepreneurship
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Investing in small businesses can yield high returns and personal satisfaction. Diversifying your $10K across multiple ventures reduces risk and can amplify potential profits.
6. Invest in Rental Properties
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Rental properties can build long-term wealth. Use $10K as a down payment on a low-cost rental, fix it up, and let tenant payments cover the mortgage and taxes, creating a steady income stream.
7. Max Out Your Roth IRA
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Max out your Roth IRA to invest part of your $10K. It offers tax-deferred growth and potential tax-free withdrawals in retirement. Remember, there’s a yearly contribution limit.
To learn more: Can You Have Multiple Roth IRAs?
8. Loan to Others Through P2P Lending
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P2P lending can provide high returns on your $10K investment. By lending directly to borrowers via P2P platforms, you cut out banks, enjoy better rates, and diversify your investments.
9. Invest In Crypto or Bitcoin ETF
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Investing in cryptocurrencies or Bitcoin ETFs can offer quick gains with market volatility. High rewards come with high risks, so be prepared for potential losses but also big profits.
10. Pay off high-interest debt
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Paying off high-interest debt with $10K can be a smart investment. It frees up cash flow for future investments in stocks, funds, or real estate, helping you grow your wealth long-term.
To learn more: How to Get Out of Debt in 5 Easy Steps
More Idea to Invest $10k
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Looking to invest $10K? This guide shows options for all risk levels and goals, from stocks to real estate. Start making money and take your first step to becoming a millionaire.
To learn more: How to Invest 10K: The Best Ways to Invest Money for Future
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Looking for the best ways to get free money from the government? Getting free money from the government might sound too good to be true, but there are actually several ways you can receive financial assistance. From helping with monthly expenses to finding unclaimed funds, these programs and resources can be a big help. The…
Looking for the best ways to get free money from the government?
Getting free money from the government might sound too good to be true, but there are actually several ways you can receive financial assistance. From helping with monthly expenses to finding unclaimed funds, these programs and resources can be a big help. The key is knowing where to look and meeting eligibility requirements.
This article will show you different ways to get extra money from the government. Whether you need help with your bills or want to get back money that belongs to you, there are many options for you.
Best Ways To Get Free Money From the Government
Below are the best ways to get free money from the government – for housing, children, health insurance, food, and more.
1. Apply for unemployment benefits
If you lose your job, you might be eligible for unemployment benefits. These benefits can help you cover some of your expenses while you look for a new job.
To qualify, you usually need to have worked a certain amount of time in the past year. Each state has its own rules, so you should check your state’s specific requirements.
You can apply for unemployment benefits online or by phone, and be ready to provide details about your recent jobs and earnings. This will help determine how much you can get each week.
The benefit amount is based on a percentage of your earnings from your previous job. It can range from about 40% to 60% of your past earnings. This money can be a helpful bridge while you search for new work.
Each week, you’ll need to report if you’re still unemployed and looking for a job. Some states may also ask you to document your job search activities so it’s important to follow these rules to keep receiving benefits.
Unemployment benefits probably won’t cover all your expenses, but they can make a tough time a little easier. Remember to apply as soon as you lose your job to start getting support right away.
2. Check for child tax credits
Child tax credits can be a big help for families.
You might be able to get money back from the government if you have kids such as for childcare or for just having children. The amount you can get depends on your income and the number of kids you have.
The Child Tax Credit now gives up to $2,000 for each child.
Make sure you check if you qualify for these credits. You can find out more by visiting the IRS website or talking to a tax expert.
3. Women, Infants, and Children (WIC)
The Women, Infants, and Children (WIC) program helps pregnant women, new mothers, and young children get healthy foods. This program is a great way to get extra help when you need it the most, and this is free government money for low-income families. It’s focused on keeping you and your little ones healthy and well-fed.
If you’re pregnant, you can get help right away and continue to receive it for up to six months after giving birth. If you have children, they have to be under the age of 5.
To qualify, you need to meet income guidelines and show that you are at nutritional risk. This can include being underweight or having a diet low in essential nutrients. WIC then provides monthly benefits that can be used to buy specific foods like milk, eggs, and fruits.
To apply, you need to contact your state or local WIC office (you can start by Googling “WIC + your state name”). They will tell you what documents to bring and where to go for your appointment.
4. Use SNAP for food assistance
SNAP stands for Supplemental Nutrition Assistance Program. It’s a government program that helps low-income families buy healthy food. If you qualify, you get an EBT card loaded with funds every month.
Using SNAP is easy. You can use your EBT card at most grocery stores and it works just like a debit card.
To qualify for SNAP, you need to meet certain income and other eligibility requirements. These can include having a low income based on your household size.
SNAP can be a huge help if you’re struggling to afford groceries. It allows you to buy essential foods like fruits, vegetables, meats, and dairy products.
5. Free and reduced breakfast and lunch at school
Your child may be able to get free or reduced-price meals at school through several programs, and these programs make sure kids have healthy meals every day.
The most well-known program is the National School Lunch Program (NSLP). It provides low-cost or free lunches to millions of children in public and nonprofit private schools.
Schools many times also have the School Breakfast Program. This is similar to the lunch program but focuses on providing a nutritious morning meal.
In addition to these programs, there is the Special Milk Program. This program provides milk to children who do not participate in other meal programs.
Some schools offer the Community Eligibility Provision (CEP). This allows schools in high-need areas to serve breakfast and lunch at no cost.
To find out if your child is eligible, check with your school. They can guide you through the application process and let you know what your child qualifies for.
6. Seek Temporary Assistance for Needy Families (TANF)
Temporary Assistance for Needy Families (TANF) is a government program that can help you if you’re facing hard times. It provides financial aid to families with children who are struggling to make ends meet and can help with childcare, job training, and finding work.
To apply for TANF, you need to contact your local TANF office. They will help you through the application process and let you know what documents you need.
It’s important to know that each state runs its own TANF program, so the benefits and services might vary. Be sure to ask your local office (you can also reach out to the U.S. Department of Health and Human Services) what specific help they can offer.
7. Low-Income Home Energy Assistance Program (LIHEAP)
If you need help paying your energy bills, you might qualify for the Low-Income Home Energy Assistance Program (LIHEAP). This program helps low-income households with their heating and cooling costs.
LIHEAP provides federal funds to reduce energy costs. This can include help with your energy bills and dealing with energy crises.
You can also get help making your home more energy-efficient. This is known as weatherization and might include things like adding insulation or fixing drafty windows.
8. Early Intervention and Head Start
Early Intervention services are great for families with young children who have special needs. These services help kids from birth to age three. They offer things like speech therapy, occupational therapy, and more. Most services are free, and others have a sliding scale fee. They make sure your child gets the help they need, even if you can’t pay.
Head Start programs are for kids aged three to five. They help with early learning and development. Head Start also supports families with health and dental services.
Both Early Intervention and Head Start focus on getting kids ready for school. They help children learn and grow in important ways and also support families by connecting them to resources they may need.
You can usually self-refer your child to these programs (each state has its own), or ask your pediatrician for a referral.
9. Apply for college grants
College grants are a great way to get free money for school. Unlike loans, you don’t have to pay back grants. They can help cover your tuition, books, and other school expenses.
One of the most well-known grants is the Pell Grant. For the 2023-24 school year, the maximum Pell Grant is $7,395. This grant is for students with financial need.
Another option is the Federal Supplemental Educational Opportunity Grant (FSEOG). This is for students with exceptional financial need. The amount you can get depends on your school and your financial situation.
To apply for these grants, you’ll need to complete the Free Application for Federal Student Aid (FAFSA). The FAFSA helps the government determine how much aid you qualify for.
Many states and schools also offer their own grants. Check with your school’s financial aid office to see what you might be eligible for. It’s a good idea to apply for as many grants as you can.
Grants can make a big difference in paying for college, so it’s worth the effort to apply. Make sure to look for scholarships too!
10. Public Student Loan Forgiveness (PSLF) program
The Public Student Loan Forgiveness (PSLF) program can help if you work in public service. This includes jobs like teaching, nursing, firefighting, and more. If you work in these fields and have federal student loans, you may be able to get your remaining loan balance forgiven after ten years of payments.
To qualify, you must work full-time for a qualified government or nonprofit organization. You also need to make 120 qualifying monthly payments under a qualifying repayment plan. Only payments made after October 1, 2007, count toward the 120 payments required.
The program mainly benefits people who work in low-paying, but important, public service jobs. It’s a way to give back while also getting financial relief. Though the application process can be long and require careful tracking, many find the effort worth it when their loans are wiped out.
11. Claim Earned Income Tax Credit (EITC)
The Earned Income Tax Credit (EITC) gives low- to moderate-income workers and families a tax break.
If your income is under a certain amount, you might qualify. This credit can either reduce the taxes you owe or increase your refund. For 2024, the EITC amounts can go up to $3,995, based on your income and family size.
To claim the EITC, you need to file a tax return, even if you do not owe any taxes. You should fill out Form 1040 and a Schedule EIC if you have qualifying children.
12. Get housing vouchers
Housing vouchers are a great way to get help with rent. They are commonly known as Section 8. These vouchers help low-income families, seniors, and people with disabilities afford safe and decent housing.
To get a voucher, your income must be below a certain level and this varies by location and family size.
With a voucher, you can choose any housing that meets program requirements. This gives you some freedom to pick a home that suits your needs best. The government will pay part of the rent, making it more affordable for you.
13. See if you qualify for down payment assistance
Buying a home can be tough, especially when it comes to saving for a down payment. That’s where down payment assistance programs can help prospective homeowners.
These programs come in many forms. You might find grants, loans, or other types of aid to help you with the down payment. Each state offers different programs and some are more generous than others.
To qualify, you’ll need to meet certain requirements. These can include income limits or being a first-time homebuyer.
14. Apply for Supplemental Security Income (SSI)
Supplemental Security Income (SSI) is a program that gives monthly payments to people who are disabled, blind, or over 65 and have limited income. You may get help with food, rent, and medical bills.
To apply for SSI, visit the Social Security Administration (SSA) website. There, you can find the application forms and details about the process. You may need to provide information about your finances and living situation.
The application can be done online, by phone, or in person. If you’re under 18 or applying for someone under 18, there are special forms for children.
15. Look for health insurance in the marketplace
We all know that health insurance can be very expensive. Before you skip it, I highly recommend comparing pricing of health insurance on the Health Insurance Marketplace to see if you can find something more affordable for you and your family.
It’s a great way to get coverage and possibly save money. Sometimes, if you qualify, you can get free or low-cost health insurance plans.
Go to Healthcare.gov to start, and each state has its own Marketplace, so follow the specific steps for your state. It can be a little confusing, so make sure you have no distractions and can spend some time doing this.
During the open enrollment period, you can choose a new plan or keep your current one. If you’ve had a big life event, like losing your job, you might qualify to sign up outside the usual enrollment times.
16. Medicaid
Medicaid is a state and federal program that helps people with low incomes get health care. If you qualify, you can receive free or low-cost medical services, like doctor visits, hospital stays, and even prescription drugs.
Medicaid is especially helpful for families, pregnant women, seniors, and people with disabilities.
One of the best parts is that Medicaid covers a wide range of services – you can get help with dental care, mental health services, and even long-term care.
Your income and family size usually determine if you can get Medicaid.
17. Search for unclaimed money
You might have unclaimed money waiting for you. This money comes from many sources like unpaid wages, forgotten bank accounts, or unclaimed insurance benefits.
You can check by going to unclaimed.org, the website managed by the National Association of Unclaimed Property Administrators (NAUPA).
Each state has its own database for unclaimed property. Check your state’s website to see if there is money owed to you.
Frequently Asked Questions
There are several ways you can get money from the government to help with different needs, like paying for food or getting extra support if you don’t make a lot of money.
What ways can I get money from the government?
There are many ways to get free government money. You can apply for unemployment benefits if you lose your job. Families can also check for child tax credits, which give extra money for children. Programs like WIC and SNAP can help with paying for food, and students can get free and reduced breakfast and lunch at school.
How can I get help from the government if I don’t make a lot of money?
Low-income families can use programs like WIC (Women, Infants, and Children), SNAP (Supplemental Nutrition Assistance Program), TANF (Temporary Assistance for Needy Families), LIHEAP (Low-Income Home Energy Assistance Program), and more to get help from the government if they don’t make a lot of money.
How can I borrow money from the government?
The government offers student loans for education through programs like FAFSA. Small businesses can apply for loans from the Small Business Administration (SBA). There are also some loan programs based on specific needs like starting a farm or buying a home.
What is FAFSA?
FAFSA stands for Free Application for Federal Student Aid. It’s a form that students fill out to get financial aid for college. It can help you get grants, loans, and work-study opportunities to pay for your education.
Can I borrow money from my social security benefits?
No, you cannot borrow money from your Social Security benefits. Social Security is designed to provide income during retirement or if you become disabled, so it’s not a source of loans or advance cash.
Is there free grant money for bills and personal use?
Yes, there can be grants for specific needs like paying utility bills or home repairs. You might also find grants for education, food, and health care. Check with local and federal agencies to see if you qualify for any of these grants.
How do I find out if I qualify for any government assistance?
You can visit government websites or contact local agencies. Many state and local governments have online tools to check your eligibility. It’s also helpful to reach out to community organizations that can guide you through the application process.
How To Get Free Money From the Government – Summary
I hope you enjoyed this article on the best ways to get free money from the government.
There are many ways to get free money from the government, such as for housing, to help pay for your children’s expenses, to afford health insurance, to buy food, and more.
Note: There may be changes or updates to the free government programs above. I recommend contacting the program to learn more. Also, please be sure to stay safe with your sensitive information and only use official websites (look for .gov websites and official government organization websites to start with to avoid scams).
What do you think of these free government programs? Have you ever used any of the ways above to get free money from the government?
Creating a vision board can be a powerful tool to help you achieve your dreams and goals. Whether you’re aiming for personal growth, career success, or better health, a vision board serves as a visual reminder of what you want to accomplish. This ultimate guide will walk you through everything you need to know about vision boards, from gathering materials to choosing images and arranging them in a way that inspires you. Get ready to turn your aspirations into reality with a vision board that keeps you motivated and focused on your journey.
What is a Vision Board?
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A vision board is a collage of images, words, and other visual elements that represent your goals, dreams, and aspirations. It’s a creative and personal tool that helps you visualize what you want to achieve in life. By putting your intentions on a board, you can keep your focus on them and stay motivated. The idea is to place your vision board where you can see it daily, reminding you of your goals and encouraging you to take steps toward achieving them.
Start with Your Dreams and Goals
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Take some time to think about your dreams and goals. What do you truly want to achieve? Consider all areas of your life—career, relationships, health, personal growth, and hobbies. Write down your goals and be as specific as possible. This clarity will help you choose images and words that accurately represent your aspirations. Starting with a clear vision of your dreams and goals ensures that your vision board will be a powerful tool to keep you motivated and focused on what truly matters to you.
To learn more: 10 Smart Financial Goals That You Need
Use Vision Board Pictures
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Find the perfect pictures for your vision board to reflect your financial dreams. This guide will help you choose and find the right images to visualize your goals.
To learn more: Vision Board Pictures to Help You Achieve Your Life Dreams this year
Find Vision Board Quotes to Inspire You
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Use quotes on your vision board to stay inspired and focused on your goals. This guide offers quotes and tips to help you achieve financial success.
To learn more: The Ultimate Collection of Vision Board Quotes to Inspire You
Uncover Powerful Millionaire Quotes
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Use these millionaire quotes to stay motivated on your path to wealth. These statements will help you keep your goals in sight and achieve financial independence.
To learn more: Millionaire Quotes: Motivate Yourself to Achieve Success
This is How to Become a Millionaire with No Money
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Discover the steps to financial independence even with no money. Overcome debt, adopt millionaire habits, and invest wisely to start your path to wealth.
To learn more: 15 Genius Strategies to Become a Millionaire with No Money
Repeat These Money Mantras
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Use these money mantras to encourage financial growth. Develop a wealth mindset, affirm your success, and transform your finances to reach financial freedom.
To learn more: Top 50 Money Mantras to Boost Your Financial Freedom
Focus on These Millionaire Habits
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Anyone can adopt these millionaire habits to achieve financial success. Apply these basic principles to your life and start reaching your financial goals.
To learn more: Powerful Millionaire Habits that will Change Your Life
Essential Vision Board Supplies You Need
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Manifest your financial dreams with the right vision board supplies. Use this checklist to ensure you have everything you need to create a powerful vision board.
To learn more: 10 Essential Vision Board Supplies You Need for Making an [Epic] Vision Board
Host a Vision Board Party
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Plan a vision board party to focus on your financial dreams. This guide offers ideas for creating an inspiring event to help you and your friends set and achieve your goals.
To learn more: Host a Vision Board Party: Plenty of Ideas for Success
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More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
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Looking for a simple and effective way to save money? The envelope challenge might be just what you need. This popular saving method helps you set aside cash in an organized and manageable way. By using envelopes to allocate funds for different expenses, you can easily track your spending and boost your savings. Start one of these envelope challenges today and take control of your finances.
Why Use a Saving Challenge?
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Saving money can be tough, but using a saving challenge can make it easier and even fun. These challenges give you a clear plan and simple steps to follow, helping you stay motivated and reach your financial goals. Whether you’re saving for a big purchase, building an emergency fund, or just wanting to improve your money habits, a saving challenge can be a great tool. Learn how to start, stay on track, and see real results with a saving challenge that fits your lifestyle.
Various Money Saving Challenge to Try
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Get empowered with these popular money saving challenges. From the envelope challenge to monthly savings, become savvy with your finances.
To learn more: Top 20 Epic Money Saving Challenges Unveiled to Save Money
The 100 Envelope Challenge
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The 100 Envelope Challenge is a fun and creative way to save money. This popular challenge can be adjusted to fit different budgets and financial goals, making saving money easier and more enjoyable.
To learn more: The 100 Envelope Challenge: Easy and Fun Way to Change Your Life!
50 Envelope Challenge to Start Saving
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Looking for a simple way to save? Try the 50 Envelope Challenge and save $1275 using just 50 envelopes. This challenge helps you build savings step by step.
To learn more: 50 Envelope Challenge to Save $1275 and Follow Through!
Build Habits with 200 Envelope Challenge
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Challenge yourself with the 200 Envelope Challenge and see how much you can save in 200 days. It’s a great way to grow your wealth and build strong saving habits.
To learn more: 200 Envelope Challenge – A Spin to Save at Least $5K
Challenge to Save 10k in 100 Days
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The 10k in 100 Days Envelope Challenge is perfect for those looking to save big in a short time. Follow this guide and save $10,000 in just 100 days, setting yourself up for a better financial future.
To learn more: The 10k in 100 Days Envelope Challenge – Save to [Make it Work] for You
Alternative is 52 Week Money Saving Challenge
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Choose from different 52 Week Money Saving Challenges and save $1000, $2000, $5000, or even $10,000. Join the email list for your free printable and start saving today.
To learn more: Your 52 Week Money Saving Challenge + Free Printable
Tight on Funds? Try These Mini Saving Challenges
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Tight on time or money? These mini savings challenges are perfect for you. Use these free printables to include a simple money saving challenge in your budgeting tools and save more money easily.
To learn more: 15 Mini Savings Challenge Printables To Save More Money
Download Your Free Printables
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Download this free printable for the 100 Envelope Challenge and start saving money now. In 100 days, you’ll have saved a total of $5000, making it a great tool for building your savings.
To learn more: [Free Printable] 100 Envelope Challenge: The Best Money Saving Challenge
Most Popular: 100 Envelope Money Challenge
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The 100 Envelope Money Challenge is a favorite way to save money. It’s fun, easy, and can be tailored to your budget. Join many others in reaching your financial goals with this creative and effective challenge.
To learn more: The 100 Envelope Challenge: Easy and Fun Way to Change Your Life!
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
Navigating personal finance can be tough for young adults, especially with limited education on the topic in school. Sound financial advice is crucial for making smart decisions about budgeting, credit, and investments. Learning these skills early helps avoid debt, poor money management, and financial mistakes. Here are the top 10 best financial advice tips for young adults to set you on the right path.
1. Create a Budget
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Creating a budget is key for managing your money. It helps you track your spending and ensure you’re not living beyond your means. A simple step to managing your money properly.
To learn more: How to Budget Money
2. Manage Your Debt
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Managing debt is crucial. Keeping debt low and paying it off quickly helps maintain a healthy credit score and financial stability. As a young adult, it best to stay away from the temptation to spend on credit.
To learn more: How to Get Out of Debt in 5 Easy Steps
3. Invest Your Money
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Investing is vital for a secure future. Start early and let your money grow over time. It’s all about patience and consistency. Start by investing a minimum of 10% of each paycheck.
To learn more: The Simplicity of Investing
4. Start Saving Now
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Start saving early. Even small amounts can grow over time. An emergency fund can provide a safety net for unexpected expenses. Use a money saving challenge to make saving more fun!
To learn more: Top 20 Epic Money Saving Challenges Unveiled to Save Money
5. Limit Your Expenses
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Limiting expenses helps save more money. Track all your spending, even small purchases, to understand where your money goes. This will help you to invest the rest!
To learn more: How to Budget Money on Low Income: 20+ Tips to Cut Spending
6. Build Passive Income Streams
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Building passive income streams can boost your financial stability. Find ways to earn extra money through hobbies or skills.
To learn more: Find a Side Hustle that Works for You
7. Create a Cash Reserve
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Having a cash reserve prepares you for unexpected expenses. Save three to six months’ worth of income for emergencies.
To learn more: Breaking Down the Purpose of a Rainy Day Fund
8. Learn About Taxes
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Understanding taxes is important. Know the difference between your gross and net pay to manage your finances better.
Learn More: Difference Between Earned Income, Passive Income and Investment Income
9. Consider a Term Life Insurance Policy
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A term life insurance policy is affordable for young adults and provides financial protection for your future family.
10. Take Action
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Taking action is essential. Set clear financial goals, break them into steps, and stay persistent to manage your finances effectively. Don’t delay starting your financial stability!
Learn More: 10 Smart Financial Goals That You Need
Find More Ideas for Young Adults
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These tips for young adults will help you manage money well and not make the mistakes many others were guilty of. You can build a strong foundation with money. Make your finances a priority and you can quickly reach financial independence.
To learn more: Financial Advice for Young Adults: 10 Easy to Follow Money Management Tips
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
Looking to save money fast? Here are the top 10 frugal living tips that will transform how you think about and handle money. These simple changes can help you save more, spend wisely, and enjoy financial freedom. Start your journey to better money management today with frugal living.
1. Wait 24 hours to Buy
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Before buying anything, wait 24 hours. This helps you decide if you really need or want it. Often, you’ll find you don’t, saving money in the process. This is mandatory for anything over $500 for us.
2. Make a Plan for Your Money
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Plan where to save and spend your money before you get paid. This helps you prioritize savings and manage expenses, leading to better financial health.
To learn more: Budgeting Made Simple
3. Say No To Debt
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Avoid debt by saving for big purchases and paying in cash. Debt payments can hold you back, so staying debt-free helps you move forward financially.
To learn more: 7 Simplistic Habits Needed for Debt Free Living
4. Decide Where to Spend Money
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Be mindful of where you spend money. Identify what’s important to you and avoid unnecessary expenses. This helps you manage your finances better.
Start Here: No Spend Challenge: The #1 Fastest Way To Set Spending Priorities
5. Know Your Why to be Frugal
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Understand your reason for living frugally. Everyone has different money goals, so knowing your “why” helps you stay committed to saving and smart spending.
To learn more: 10 Must Have Financial Goals to Achieve
6. Trim Grocery Budget
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Food is a basic need, but how you shop and eat affects your budget. Focus on reducing grocery spending to save money over time.
To learn more: The 60 BEST Budget Grocery List Items for Cheap Eating
7. DIY First
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Try making things yourself before hiring help. DIY projects can save you money, and there are plenty of online tutorials to guide you.
8. Find Cheaper Alternative
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Always look for cheaper alternatives. Whether it’s price matching or waiting for a sale, finding better deals is a great way to save money.
9. Choose Free First
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Opt for free options whenever possible. From activities to items, choosing free first helps you save your income for other needs.
To find ideas: 105 Fun Things To Do With No Money
10. Think Long Term
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Focus on long-term financial goals. Plan what you want your money to achieve and take steps towards those goals, ensuring future financial stability.
Which Frugal Living Tip to Implement First?
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These frugal living tips can change your financial life. Start with any tip from this list to make a big impact on your finances. Embrace these habits to save money and achieve financial independence.
To learn more: Top 10 Influential Frugal Living Tips with a Big Impact
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
Living on a budget isn’t hard. It’s about spending less than you make and ensuring your bills are paid. The biggest benefit is the security of knowing your bills are covered, savings are growing, and you can still give and spend wisely. Here are 9 brilliant tips to make living on a budget easy and stress-free.
Find Gratitude
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Be thankful for every cent you earn. Appreciate your paycheck, no matter the amount. Gratitude helps you manage your budget better and value your income.
Be Positive
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Changing your mindset from negative to positive can make a big difference. Focus on finding the good in everything. It helps with living on a budget.
To learn more: 125+ Money Affirmations to Attract More Money into Your Life
Just Start Somewhere
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Starting a budget can be tough, but practice makes progress. Keep refining your method until it works for you. The key is to start somewhere.
To learn more: How To Create A Biweekly Budget
Live a Modest Lifestyle
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Avoid comparing yourself to others. Live a life you can afford with your current income. Spend less, save more, and live within your means.
Avoid Lifestyle Creep
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Lifestyle creep can sneak up on you. Learn to spot and avoid it to keep your spending in check and stay on track financially.
To learn more: Avoid the Trap of Lifestyle Creep and Reach Financial Freedom
Live within Your Means
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Living below your means is crucial for financial freedom. Spend less than you earn and find joy in simple living.
To learn more: How to Live Below Your Means and Love Life
Know Your Season of Life
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Your financial situation changes with different life stages. Adjust your budget to fit your current needs, whether you’re paying off debt or saving.
Be Okay with Your Budget
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Accepting your budget is important. The sooner you embrace it, the faster you’ll reach financial freedom. Align your goals with your spending and saving.
To learn more: Budgeting Made Simple
Living on Budget with a Family
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Budgeting with a family means prioritizing bills, savings, and retirement contributions first. Spend leftover money on kids’ activities and extras.
You can live on a budget
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Don’t wait. Start budgeting now by figuring out your income, deciding on savings and giving goals, and living on the rest.
To learn more: How to Make Living on a Budget Painless
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
Are you looking for the best summer side hustles? There are plenty of ways to make extra money that can fit into your schedule and match your interests. Whether you prefer working outdoors or want to sell handmade crafts, there’s a summer side hustle for everyone. Picking the right one can help you enjoy the…
Are you looking for the best summer side hustles?
There are plenty of ways to make extra money that can fit into your schedule and match your interests.
Whether you prefer working outdoors or want to sell handmade crafts, there’s a summer side hustle for everyone. Picking the right one can help you enjoy the warm summer months and even develop new skills.
Summer side jobs are great because you can work when you want and make extra money while enjoying the summer. They can help you save more money, reach your money goals faster, and even let you try new things you’re interested in.
For me, I have always liked side hustling in the summer. The days are longer, so it feels like I have more time to work on projects!
Best Summer Side Hustles
Below are the best summer side hustles.
1. Blogging
Blogging is a great way to make extra money during the summer. It’s perfect if you enjoy writing and sharing your thoughts.
I actually started this blog as a summer side hustle. I was looking for a way to write in my free time, and it eventually turned into a way for me to make extra income. And, now it’s my full-time job!
You can make money from blogging in several ways. Affiliate marketing is popular. This means promoting products and earning a commission for any sales made through your links. Display ads are another way. These are ads that appear on your blog, and you earn money when visitors click on them.
Though it’s hard work in the beginning, blogging can become a source of semi-passive income. Once you have enough content and visitors, you might earn money even when you’re not actively working on your blog. This means you could enjoy your summer and still see your income grow.
I have free training that you can take – How To Start A Blog FREE Course. Want to see how I built a $5,000,000 blog? In this free course, I show you how to create a blog, from the technical side to earning your first income and attracting readers.
2. Online surveys
Taking online surveys is one of the easiest summer side hustles online. Many companies want to know what their customers think about their products and are willing to pay for your opinions.
The survey companies I recommend signing up for include:
American Consumer Opinion
Survey Junkie
Prime Opinion
Swagbucks
Branded Surveys
Five Surveys
PrizeRebel
InboxDollars
I’ve done lots of surveys over the years, and what I like about them is that you can do them whenever you want – in the morning, at lunchtime, or before bed. You don’t need to follow a strict schedule, and they’re really simple to complete. This makes them great for a summer side hustle too!
3. Dog walking and pet sitting
Dog walking and pet sitting can be a great way to earn some extra money during the summer. If you love animals and enjoy being outside, this is perfect for you.
Rover is one of the most popular platforms for dog walkers and pet sitters. It’s user-friendly and has a lot of pet owners looking for help. You can set your own rates and schedule, which allows you to work whenever it fits your lifestyle.
Dog walkers typically earn between $15 and $30 an hour. How much you make depends on the number of pets and the length of time. The demand is usually high, especially during summer when pet owners go on vacation.
4. Freelance writing
Freelance writing is a flexible and rewarding summer side hustle. As a freelance writer, you can work for magazines, blogs, websites, and companies. You get to choose who you work with and what you write about, so this is a side hustle that you can easily just do in the summer if that’s the schedule that you are looking for.
One great thing about freelance writing is that you can do it from anywhere. You can work from home, a coffee shop, or even while traveling. All you need is a computer and an internet connection, and this is another reason that makes it easy to fit writing into your summer plans.
The pay for freelance writing can vary a lot. Some writers earn around $50 for a short article, while others can make $1,000 or more for longer pieces. As you gain experience and improve your skills, you can start charging higher rates.
I have been a freelance writer for around 10 years and I think it’s a great side hustle to get into.
5. Virtual assistant
A virtual assistant (VA) is someone who helps business owners with tasks through the internet. This job is great if you want a flexible schedule and the ability to work from home. You can choose who you work for and even set your own hours.
Virtual assistants handle different tasks like managing social media, organizing emails, scheduling appointments, and data entry. The best part is that you don’t need to be in the same location as your clients.
You can start as a virtual assistant on websites like Upwork or Fiverr. These platforms have many job listings for beginners. Rates for VAs usually start at $15 to $20 per hour but can go higher with experience.
Plus, many people look for extra VA help specifically in the summer so that they can focus on other things, such as going on vacation or spending more time with their kids who may be out of school for the season.
6. Tutoring
Tutoring is a great side hustle for summer. With kids out of school, many parents look for tutors to help keep their children learning. You can teach subjects like math, science, English, or even a musical instrument.
Tutoring can be done both in person and online. Online tutoring is very flexible and allows you to work from home. You can choose your hours and offer lessons at times that fit your schedule.
You can use websites like Tutor.com and Wyzant to find tutoring jobs.
7. Handmade crafts selling
Selling handmade crafts can be a fun and profitable summer side hustle.
Platforms like Etsy help you reach buyers from all over the world. Summer craft fairs and festivals are also great places to sell your handmade goods.
Some things you can sell include:
Selling handmade crafts allows you to be creative and make some extra money. Whether online or at local events, there’s always a market for unique, handmade items.
8. Photography
You can get paid to take pictures, even if you just have a smartphone. There are many ways to turn your love of photography into extra income.
One way to make money is by selling your photos on stock photo websites. These sites, like Shutterstock, iStock, and Adobe Stock, let you upload your images and earn money each time someone downloads them.
Another option is taking event photos. Weddings, BBQs, and family reunions are always in need of photographers, and there are typically many events like these during the summer months.
Recommended reading: 18 Ways To Get Paid To Take Pictures
9. Rideshare driving
Rideshare driving can be a great way to make extra money during the summer. Many people use services like Uber and Lyft to get around their town or when they are on vacation.
You get to choose when you work so this means you can fit driving around your schedule. If you have free time in the evenings or weekends, you can make the most of it.
You don’t need any special skills to start. As long as you have a car and a phone, you are almost ready to go. The application process is usually quick too.
Driving in busy areas or during peak times can also help you earn more. Events, weekends, and holidays can be especially busy, meaning more rides and more money for you.
10. House sitting
House sitting is a great way to make extra money over the summer. People tend to go on vacation in the summer and need someone to watch their homes.
You might need to water plants, collect mail, and keep an eye on the house. Sometimes, taking care of pets is also part of the job. Look for house sitting gigs in your local community (you can start by posting in a local Facebook group advertising your service) or try online platforms.
Websites like Rover and TrustedHousesitters can also help you find house sitting jobs. These sites connect homeowners with reliable sitters.
11. Pet grooming
Pet grooming is a great way to earn extra money during the summer. Many pet owners look for convenient and affordable ways to keep their pets looking neat, especially in the summer when it can be so hot.
Mobile pet grooming is especially popular. You can visit pet owners at their homes, and this saves them a trip to the groomer’s and makes your service more attractive.
You can offer services like haircuts, baths, nail trimming, and ear cleaning. Many people are willing to pay well for these services. They love their pets and want them to look their best.
12. Coach
Coaching can be a great way to make extra money during the summer. Do you have a skill or talent that others want to learn?
Summer camps and local community centers sometimes look for temporary coaches. This could be a fun way to spend your summer, and you can make a good amount of money while doing it.
Sometimes, private coaching can be even more profitable. People are willing to pay more for one-on-one lessons. For example, you might charge $30 to $50 per hour.
You can also offer online coaching. This is great if you want to work from home. Websites like Zoom make it easy to connect with students anywhere.
13. Babysitting
Babysitting is a great way to earn some extra cash over the summer. With school out, many parents need help watching their kids. Babysitting is flexible, allowing you to choose your own hours.
To get started, you can talk to families in your neighborhood. Let them know you’re available and you can also post on local Facebook groups or use websites like UrbanSitter.
I do recommend taking a babysitting course, such as one that teaches important skills like first aid and CPR. Knowing these skills can help you feel more confident and assure parents that their kids are in good hands.
14. Deliver groceries
Delivering groceries is one of the best summer side hustles. With services like Instacart, you can shop for and deliver groceries to customers, and it’s easy to start.
You just need a phone and a reliable car. You pick up orders through the app, shop for items, and then deliver them to the customer’s door.
You can choose your own hours. This means you can work whenever you have free time, such as in the summer. It’s perfect if you have a busy schedule or if you want flexible work.
On average, you can make between $11 and $20 per hour. Your earnings depend on factors like order size and tips. The more orders you complete efficiently, the more you can earn.
15. Mow lawns
Mowing lawns is a great way to make money during the summer. Many people need help keeping their yards neat. This means there are plenty of opportunities for you.
You can start by telling your neighbors and friends about the yard work services that you provide. And, of course, you will need equipment like a reliable lawn mower and other necessary tools.
Mowing lawns is great because it can be flexible. You can set your own hours. This makes it easy to fit into your summer schedule.
During the hot months, many people will need regular lawn care. This means you might have steady work all summer long. It’s also a job that doesn’t require a lot of experience.
16. Rent your house
Renting your house can be a great way to earn extra money during the summer. If you have extra space or a vacation home, you can try listing it on rental platforms because many people look for short-term rentals for their vacations.
You can use popular sites like Airbnb or Vrbo to reach a wide audience.
Consider your availability and set clear rules for your guests. You might want to rent your whole house or just a room. Either way, hosting guests can be flexible around your schedule.
I know someone who rents out their house during the summer so that they can travel those months and have money to put toward their trips. Their place always sells out fast, even up to a year in advance! And then for the rest of the year, they live in their house. So, this is definitely something that can be done just in the summer months to make extra money.
17. Clean houses
Cleaning houses is a great summer side hustle. Many people want their homes to be spotless during this time of year. You can provide services like dusting, vacuuming, mopping, and kitchen cleaning.
You don’t need special training to start. Just basic cleaning supplies like brooms, mops, and cleaning products. You can also advertise your services in local community boards or online classifieds.
Sometimes, families prefer a deep clean during summer. This could include windows, carpets, and upholstery. You can charge by the hour or set a flat rate for the whole job.
Working as a house cleaner can be flexible. You set your own hours and can choose how many clients to take on. If you do a good job, you might get regular clients who hire you every summer.
18. Lifeguard
Being a lifeguard is one of the best summer side hustles. If you love being by the water, this job is perfect for you. You get to work at pools, beaches, or water parks.
To become a lifeguard, you need to get certified. This usually involves taking a class where you learn swimming skills and rescue techniques.
Lifeguards have important responsibilities and they have to watch over swimmers and make sure everyone is safe. They also need to be ready to help in case of an emergency.
19. Rent your car
Renting out your car can be a great way to make extra money during the summer if you have a car just sitting around.
There are platforms where you can list your car for rent, such as Turo. This can be especially useful if you’re going on vacation or don’t need your car for a little bit.
Some travelers prefer renting from private owners because it’s often cheaper and more convenient than traditional rental companies. For me, I enjoy renting cars on Turo because I can get the exact car I want, and usually the car is closer to where I need to pick it up, so I waste less time.
20. Have a garage sale
Having a garage sale is a great way to make extra money during the summer. You can sell items you no longer need, like clothes, toys, and old electronics.
Start by going through your home and gathering things you want to sell and cleaning them up if needed (this will help you to get more money).
Next, advertise your garage sale. You can do this by putting up signs around your neighborhood and posting on social media sites like Facebook.
One thing I have noticed more and more people doing is having a community yard sale as well – this is where you may have your friends, family, or neighbors join in on one big yard sale. So, if you don’t have a ton of things to sell, this may be one way to still have a garage sale, declutter, and make some money.
21. Sell stuff
Similar to having a garage sale, you can also try selling stuff online, which is a great way to make some extra money in the summer. Look around your house for items you don’t use anymore. This could be clothes, toys, or old gadgets.
One of the easiest ways to sell your things is through online marketplaces like eBay or Facebook Marketplace.
For years, I had a business where I flipped items for resale. It was an easy way to make extra money!
22. Sports referee
Being a sports referee is a great side hustle for summer. Most games happen in the evenings and on weekends, so it fits well around a regular job.
Youth sports leagues are always looking for referees. You can earn around $25 to $50 per game. Higher levels, like high school or college, pay even more. Some college games can pay up to $150 per game.
To become a referee, check with your local sports departments. You might need some basic training, but it usually isn’t too hard. It’s a fun way to earn extra money and enjoy sports at the same time.
If you know the rules well and enjoy being on the field, this could be the perfect summer side hustle for you.
Frequently Asked Questions
Summer is a great time to explore side hustles that can fit into your schedule. Here, we’ll answer some common questions people have about summer side hustles.
What’s a good summer side hustle?
A good summer side hustle can be anything from freelance writing, dog walking, or being a virtual assistant. Think about what you enjoy doing and what skills you have. Can you write well? Do you love pets? There’s likely a hustle that matches your interests.
How can I make money fast in summer?
There are many ways to make money fast in the summer, such as walking dogs, answering online surveys, selling handmade crafts, hosting a garage sale, babysitting, and renting out your house.
What are the best summer side hustles from home?
The best summer side hustle from home depends on you and what you want to do. For me, my best summer side hustle is definitely blogging, and some other ideas include proofreading, bookkeeping, answering online surveys, and online tutoring.
What are easy summer side hustles for teenagers?
Teenagers can try babysitting, pet sitting, or tutoring for summer side hustles. Babysitting is usually in demand during summer when parents need a break (because kids are out of school!). Pet sitting is a fun way to spend time with animals. Tutoring younger students who need a little extra help over the summer can also be rewarding and well-paid.
What are the best summer side hustles for teachers?
Teachers have skills that can be used in side hustles like tutoring, freelance writing, or creating and selling lesson plans online. You can see a full list at 33 Best Summer Jobs for Teachers To Make Extra Money.
What are the best summer side hustles for college students?
The summer months are typically when a lot of college students try to find ways to make extra money. It makes sense; you may not have classes during the summer, or at least a smaller course load. If this is you and you want to make extra money in the summer, some good ways to make extra cash include freelance writing, working as a virtual assistant, joining a focus group, tutoring, selling handmade crafts, rideshare driving, house sitting, delivering groceries, babysitting, and mowing lawns.
Best Ways To Make Money in the Summer
I hope you enjoyed this article on the best summer side hustles to make extra money.
There are many reasons for why you may be looking for a summer side hustle. Maybe you want to put money toward your summer vacations, perhaps you have some free time in your own schedule, maybe you’re looking for a part-time job just for the summer, or something else.
There are many ways to make extra money in the summer, from in-person side hustles like mowing lawns and having a garage sale, to online side hustles like blogging and proofreading.
What do you think are the best ways to make money in the summer?
Inside: These are the absolute best life hacks to saving money. This list of frugal living tips with a big impact with greatly improve your budget and finances.
There are many ways to save money. Today, we are going to focus on frugal living tips with a big impact.
Those money saving tips that will save you the most money in the shortest amount of time.
These are the big impact ones of the all of the frugal living tips out there.
If you are a frugal living beginner or desire to save money, this is what you need to start with.
For many households, you are busy and want to find the life hacks that will make the biggest impact in the shortest amount of time. Saving money is important to you. You have bigger and better aspirations in life.
For us personally, we choose to implement these frugal living tips with a big impact because we want to increase our savings percentage each and every year. We have financial independence – all thanks to the Money Bliss Steps to Financial Freedom.
You should check them out. You might be surprised how your perspective will change.
For now, we are going to stick with the frugal living tips that will save you the most money with the least amount of work. Does that sound like a good deal? You want real life hacks – not just clickbait titles. Right?
I thought so… Let’s dig in to the frugal living tips with a BIG impact!
How to Stay Frugal
The better question is why do you want to stay frugal? What are your personal reasons for being frugal?
In this particular case, we are talking about saving money.
In all honesty, staying frugal means that you are constantly wanting to save more money. You have bigger plans in your life and don’t want to be a slave to your money. You desire to make a plan for your money and that is of utmost importance for your household.
Learning how to stay frugal will turn into a frugal lifestyle. Then, for many, it will morph into a thrifty lifestyle.
It is easy to learn how to stay frugal when you have dreams and plans in your life.
In order to fund those dreams, you need to stop living paycheck to paycheck and begin to give purpose to how you spend and save your money.
If you don’t believe me, then check out this case on why being frugal leads to a millionaire’s success story.
Top 10 Frugal Living Tips with a Big Impact
Like it was stated before, there are hundreds of frugal living tips that you can implement right now to start saving money.
However, for too many people, the list is too long and they want to see immediate progress right now.
These are the TOP 10 frugal living tips that will change how you think about money, spend money, and ultimately save money.
If you want to enjoy life and money (and maybe one day reach financial freedom), this is where you want to start. With this list. Right now. Make these easy lifestyle changes and begin a new relationship with money.
1. Wait 24 Hours to Buy
This is the simplest tip to help improve your money management.
Wait at least 24 hours before you buy something.
During that time, you will figure out whether or not you actually want or need the item. If you still want it, then you can purchase it. However, many times you realize that you didn’t need it or it wasn’t exactly what you wanted. So, you end up saving some money.
Obviously, the wait 24-hour rule applies to anything outside the realms of housing, food, gas, and utilities.
One of the smallest wins is to save $50 a week using this rule because over a year, you will save $2600!
Say what!?!?
That is a big chunk of cash that you probably even didn’t realize you were spending. Now, you are one step closer to reaching financial independence.
2. Make a Plan for Your Money
How do you want to spend your money? Have you ever considered where you want to spend your money before you spend it? Don’t worry if you said no. Most people don’t make a plan for their money.
What does it look like to make a plan for your money?
Before you are paid, you decide how and where you plan to save and spend your money. Did you catch the first part? It is the biggest hint I have for you – decide where you plan to save money first. Then second, how you plan to spend the rest.
Many people call this a budget.
The key is knowing where your priorities lie before putting in all of your variable expenses. You must plan to reach your money goals first. Then, figure out how to live on the rest.
That is called making a plan for your money.
3. Say No to Debt
There is nothing frugal about taking out debt.
Around here, we call debt – the cash flow killer.
It is extremely hard to move forward when debt (specifically the debt payment) is holding you back. It is like taking two steps forward only to be taken back a step now and three steps back in the future.
How to get around not going into debt?
You save up for big purchases, and then, you can pay in cash.
Side note… For this discussion, we are not talking about mortgage debt. In many cases, mortgage debt can be considered a “better” debt because purchasing a home may have a lower mortgage payment than current rents in the area.
4. Understand Where You want to Spend Money
Spending money isn’t a bad thing… IF you are spending money in areas that are important to you.
However, too many times we are blindly spending money and not realizing where our money went at the end of the month.
Is that what you set off to do?
Probably not, but for now, you feel like you are a slave to your bills and not being able to enjoy the fruits of your labor. The time is now to figure out where your priorities lie and the area you want to spend money.
To make this process simpler, it is easier to decide where you don’t want to spend money. For us, a no spend challenge helped us visually see where we wanted to spend money and where we actually spent money. The experience was eye-opening and very valuable.
Now, we know where we want to spend money and that has made a big impact for our finances. What could it do for you?
Just to Note… There are times where you want to spend money isn’t possible because you are barely managing to pay your basic bills. This frugal living tips with a big impact is to help you understand where your goals to spend money lie and what is unnecessary spending.
5. Know Your Reason to Live Frugally
Let’s be honest… living frugally doesn’t come with a lot of materialistic perks. You are sacrificing spending money in order to save money. It is hard to watch people mismanage their money only to get bailed out again and again.
To stick with frugal living and a desire to implement saving money hacks, then you must know your reason to live frugally.
Your answer will vary from everyone else’s answer. That is okay because we all have different money goals.
Have you thought about your reason for living frugally?
Our reason to live frugally is to travel. We don’t want to wait until we retire and the kids are grown to travel. We want to travel now and explore as much as possible while we can. Over time, that has morphed into our desire to reach financial freedom and not be a slave to our jobs. (Don’t worry… I love what I do here and don’t plan to change anything.)
What is your reason to live frugally?
6. Keep your Grocery Budget Trim
This is one of the biggest frugal living areas that will have the most immense impact – how you eat food.
Food is one of the basic expenses that you need to survive. However, how you choose to fuel your body will make a difference in your budget as well as how you choose to shop.
By becoming cognizant of grocery spending, you will learn to save money on groceries, which will make a huge impact over time.
Let’s take this example… You can save $200 a month on your grocery spending. That equates to $2,400 in one year. Almost $5000 in two years. At the end of 10 years, you saved $24,000!!
That is no small chunk of change. While spending an extra $200 a month doesn’t seem like much, over time it adds up to a greater amount. That is when you realize that implementing grocery money saving tips will have a bigger impact than you realized.
Overcoming your grocery budget is a learned trait; here are the best items on your grocery budget list.
7. DIY First
I’ll be the first to admit that making something yourself can be overwhelming when you don’t have a clue where to start.
Thankfully, there are plenty of tutorials to get you started with a simple Google search.
Frugal living tips with a big impact is knowing how to do it yourself first.
Here is one that has saved us over $10,000 in the past 10 years… I learned how to cut everyone’s hair in the house. The reason we started cutting our hair was because we were looking for ways to get out of debt faster.
The worst case scenario with DIY… if it doesn’t work out how you expected then you can always call for professional help. The best case is you just saved yourself a lot of money.
Especially if you own a home, you must learn to DIY first. Many of the skills that you would hire a handyman to do used to be taught by the generation before. Too bad that this isn’t still the case. However, thanks to YouTube, you have plenty of opportunities to learn how to do it yourself.
Another option is to trade services with a friend.
8. Find a Cheaper Alternative
One of the traits of a frugal person is searching for cheaper alternatives. This is a simple money saving hack.
This could be as simple as searching for a better price online and price matching. Or even waiting for a sale or clearance.
Finding cheaper alternatives is a great way to save money. Some options include:
Buying in bulk
Buying generic
Buy less items
Finding items that have dual purposes over single use. (like instant pot / air fryer combo)
You need to open up your eyes to finding cheaper versions or figuring out how to buy what you need at a lower price.
Another alternative is to buy used. This especially holds true for new cars since they lose most of their value within the first 5 years.
Just to Note: A cheaper alternative doesn’t always mean the quality is the same. A thrifty person would want an item that will last longer than the knockoffs.
9. Choose FREE First
Oh my! This hack is one of the best frugal living tips with a big impact.
Why choose FREE first?
Then, you don’t have to spend your hard-earned income on something that is used for a short period of time.
This could be for everything you spend money on.
Find free things to do with no money.
Source items you need in Buy Nothing Facebook groups or Nextdoor.
Choose the library over buying the actual books.
Ultimately, you’re looking at how to get things and do things for free first. This doesn’t make you cheap at all. It makes you frugal. Plus it gives you the chance to spend that money on something else that aligns with your reason to be frugal.
10. Think Long Term
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Too many times, we are so focused on living paycheck to paycheck that we don’t stop to make plans on what we want the next year to be like. Or the next 3 years? 5 years? Even 20 years away?
If you are ready to make a big impact in your life today, start by dreaming and thinking long term financial goals for all of your spending and saving.
Frugal Family Tips
Really quick, we are going to spend a little time discussing frugal family tips for your household.
Why?
Well, kids are expensive and it can be hard not to want the best for your family. And it can be easy to spend money to make that happen.
But first, why should you implement frugal family tips for your household?
Hint: so you can raise financially savvy children who make smart and wise decisions with money as adults. More is caught than today.
Kids learn by example.
So, why not be the best example for your kids with money?
The above list of the top frugal living tips with a big impact is solid money management tips that will build a solid foundation of success.
There isn’t a specific list of frugal family tips. It is taking the above life hacks and talking with your family about why you are making these money decisions. Have conversations about spending money and saving money.
In the long term, teaching frugal family tips will open the door to many opportunities.
That right there, my dear friend, is the gift that will keep on giving.
Tips for Living with Very Little Money
Typically, there are two types of people who are living with very little money and they are on opposite ends of the spectrum.
First of all, don’t compare yourself to others. That slippery slope of comparison is a trap; one which will cause you great harm, stress, and financial strain.
You are looking for tips for living with very little money.
If you are struggling living paycheck to paycheck, then you are in a tough spot right now. Remember, I said right now. You can always change your financial situation. It starts with your money mindset first.
The other person is that extremely frugal person who is consciously choosing to live with very little money. That means you are prioritizing the saving percentage you save each month.
In addition to all of the tips above, you must become EXTREMELY cognizant of your plans to spend money.
You know how and where you plan to spend every single penny that you earn before the money is in your hands.
Consistently, you are finding ways to spend less money and save more money.
A no spend challenge becomes a normal way of living for you. The key is you can’t hold a grudge on your choice of extreme frugality.
Just remember, you can lead a fabulous life with very little money. Money won’t buy your happiness. Finding contentment with your life is the target.
Which Frugal Living Tips with a Big Impact will You Try First?
Okay, so in all honesty, most of these frugal living tips are great money management tips that will completely turn your life in a completely different direction.
You are here because you want to save money with simple life hacks.
This list of the top 10 frugal living tips with a big impact will flip your life upside down for the better.
You need to make a big impact on your finances. Now, you need to embrace these saving money tips and have them become natural habits.
Regardless of income, you are capable of saving your first $10k, then saving $100,000 and ultimately being a millionaire. All it takes is thinking long-term and deciding what is most important for your family and your household.
You hold the keys to a brighter financial future. Grab them and begin to open up doors to more opportunities.
In case you want more frugality in your household, in this post, we outline over 175 + of the best frugal living tips, which are great once you master the money saving tips that will have a longer lasting impact.
For now, what frugal living tips with a big impact will you try first? Comment below and let us know!
You can become the next millionaire with no money!
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