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March 5th, 2015 by Jason M. Kaplan, Esq.

4 Painless Ways to Save Money through Small Changes in Life

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We all enjoy spending money, don’t we? However, what most of us like even better is saving money. This is often easier said than done and we still end up with too much of the month left at the end of the paycheck. But saving money doesn’t have to be difficult. Here are 4 virtually painless ways to save money without making big changes to your regular routine.

 

  1. Buy Everything with Cash

In today’s society, we have become so used to using credit and debit cards that we forget cash even exists. But, believe it or not, using cash for your purchases can save you money. When using cash, you see the money being passed from your own hand to that of a cashier. That direct link between exchanging money and receiving something in return is recognized in the same area of the brain which registers pain, resulting in you experiencing actual psychological pain when you spend cash. When you make purchases by swiping a card you don’t have that same experience, which is why it is easier to overspend when using a card as compared to paying with cash. So, try to use cash whenever possible, especially when it comes to small, more frequent purchases

 

  1. Only Spend Folding Currency

If it doesn’t fold, don’t spend it. Whatever change comes back to you in coins goes into your pocket or purse until you get home where you put them in a piggy bank or a jar. At the end of the month see how much you have collected. If you make a lot of small purchases, the change you accrue in the month can be surprising. You might find you have collected $25 or $30, or even more. That may not seem like a lot, but added up over the course of a year, you have saved at least a couple hundred dollars.

 

  1. Make Your Morning Coffee At Home

Millions of us stop during our morning commute at a favorite convenience store or coffee shop for that early morning cup of coffee. That one cup of coffee could cost anywhere from $1.50 or up. Instead, get a nice travel mug and make your morning coffee at home why not look here. If that coffee shop costs $1.50 every day, you will save $7.50 a week or $30 a month. Add that to the $25 or $30 you saved by only using folding currency and the savings are really starting to add up.

 

  1. Sign Up For A Rewards Card Wherever You Regularly Shop

Grocery stores, gas stations, and even department stores offer reward cards. Most stores have weekly sales flyers so you can see which items you can get the best deals on using your rewards card. Increase your savings by using coupons these coupons and shopping on the day your favorite grocery store doubles or triples the value of coupons.

These are only a few examples of the many ways you can save money with just a little effort. Small changes are all you need. Over time, those small changes add up to big savings.

 

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