Trying to stick to a budget at the supermarket? Shopping on an empty stomach without a plan can easily lead to overspending. To help keep your shopping trip in check, try making a shopping list and sticking to it!¹


Consider taking a few minutes to plan out your meals for the week before heading to the store. Jot down all the ingredients you’ll need (don’t forget to check your pantry first), and then stick to that list while you shop.

Consider getting a membership at Costco or Sam’s Club to enjoy wholesale prices! Yes, there’s a membership fee, but you’ll likely save money on groceries and gas over time, making the fee worthwhile.²

Plus, shopping at wholesale stores lets you buy items in bulk. Even though it might seem like a bigger upfront cost, it usually means you’re paying less per item.

While clipping physical coupons is still an option, many are turning to online tools to save even more. For example, the browser extension Honey automatically hunts for discount codes while you shop online.


Plus, check out tools like Ibotta, Coupons.com, and Shopkick that help you save money on groceries with a mix of cash-back rewards and discounts.³

Depending on your coverage, you might have the option to see either in-network or out-of-network providers. Choosing an in-network provider typically costs less; they have a contract with your health plan and offer lower rates. It’s a great way to save while still getting the care you need.⁴

If you have regular prescriptions, talk to your healthcare provider or pharmacist about switching to generic medications. They contain the same active ingredients as brand-name drugs but usually come at a lower cost.⁴

Opting for higher out-of-pocket costs instead of lower deductibles with higher premiums may allow you to save on your home and auto insurance. Insurance companies are often willing to lower your premiums if you’re comfortable taking on more risk. Don’t forget to build up an emergency fund to help cover that higher deductible.⁵

If you work remotely or can find work in another city, moving to a low cost of living area can offer significant benefits, including more affordable housing, lower daily expenses, and a better overall quality of life. The opportunity to enjoy larger living spaces for less allows for more comfort and flexibility. Additionally, the reduced financial pressure can open up opportunities to save more, enabling you to invest in experiences or future goals.⁶

Improving your credit score can significantly reduce your housing expenses. A higher credit score often qualifies you for lower interest rates on mortgages and rental agreements, meaning you’ll pay less over time. This not only makes monthly payments more manageable but can also open doors to better housing options. With a stronger credit profile, you can negotiate more favorable terms and even save on insurance premiums, allowing you to allocate more of your budget toward savings and other essentials. Invest in your credit health, and watch your housing costs decrease!

Searching for apartment rentals in winter can offer some advantages. First, there tends to be less competition during the colder months, as many people prefer to move in the spring or summer, potentially leading to better deals. Landlords may be more willing to negotiate on rent or offer incentives to fill vacancies. You might have more time to thoroughly consider your options without feeling rushed. Overall, winter can be a strategic time to find a great rental at a lower cost.⁶

Rent collection platforms make it convenient to pay your rent with a debit or credit card, but there’s a catch: they often come with processing fees that can add up quickly.⁶

The good news: some platforms don’t charge processing fees if you use a checking account. Be sure to check which payment methods can save you fees. It’s a great way to keep more money in your pocket.

Reducing heating and cooling costs in your home is achievable with a few simple strategies. Make sure your windows and doors are properly sealed to prevent drafts. Consider using programmable thermostats to optimize energy use, lowering the temperature when you’re away and raising it during the night in winter, and vice versa in summer. Regular maintenance of HVAC systems, including changing filters, keeps them running efficiently.

Additionally, adding insulation in attics and walls helps maintain temperature and reduces energy consumption. In warm weather, using ceiling and plug-in fans can circulate air effectively, making it easier to stay comfortable without relying heavily on cooling systems.