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With inflation the highest it’s been in over 30 years, saving money is part of everyone’s vocabulary. There are a number of money saving secrets that can help you save hundreds, if not thousands, of dollars every year. And that money can be saved, invested or spent on vacations or indulgent items for the home. 2022 doesn’t have to be a year for struggling to make ends meet; instead, it can be one of comfort and security by following these tips.

Tips for the Home

  • Turn off the icemaker. Remember old fashioned ice cube trays? When you use those instead, you’ll save a whopping 20% on your refrigerator’s energy consumption. That easily translates into money in your pocket.

  • Write a weekly shopping list. Do you make regular runs to the grocery store? Has it become a daily or every other day habit? Writing a weekly shopping list will allow you to stick to what you need and keep from buying impulse items.

  • Review your car insurance policy. Do you know how much you’re spending on your car insurance and what you’re covered for? Find car insurance quotes online and determine where you can save money and still have peace of mind.

  • Turn the air conditioning up and the heat down. Even one or two degrees can help you save money in heating and cooling costs. The body acclimates quickly to slight changes in temperature; keep extra blankets and sweaters on hand if necessary.

Tips for Entertainment

  • Streaming platforms are often less expensive than a monthly cable bill and you can choose channels based on your entertainment preferences.

  • Write a list of activities that are little or no cost. Going to the movie theater is fun, but you can also drop $50 for two people when all is said and done. Is there an ice skating rink in your area? Snowshoeing trails? Packing a picnic lunch on the lake will save money and give you the health benefits of being outside.

Tips for Travel

  • Know when to book flights and when to take them. Sunday is the best day to get the lowest possible fares available and if you’re able to, flying on Thursdays and Fridays will save you money over other days.

  • Carry a reusable bottle. TSA won’t let you take a fluid filled bottle through security, but they will let you take an empty one. Filling it up with water once you’re passed the checkpoint will save you from purchasing a water bottle which can typically set you back $2-$4.

Tips for Food

  • Buy in bulk. There are many items you can buy in bulk that are non-perishable and will save you money. Think: paper towels, toilet paper, ketchup, canned soup, toothpaste, etc. If you know your family will use it, it makes sense to pay less for it.

  • Skip the drinks. Whether you’re doing take out, fast food or dine in, the cost of drinks adds up quick! When you’re able to, choose your own drinks instead or just plain old water.

  • Reuse Keurig cups. If you drink two or more cups of coffee a day, buying reusable Kcups can save you upwards of $300 per year.

  • Buy generic. Buying generic is like buying popular brands without the fancy packaging. It’s essentially the same thing; you’re just not getting the frills.

Tips for Belongings

  • Are you a collector? Do you have items in your home that other people are seeking? Supplement your income by finding the right buyers (eBay and other auction sites for example) to free up some space in your home and put a little money in your pocket.

  • Repurpose what you have. Before society became obsessed with everything that is disposable, they concentrated on protecting what they had. A tear in a sock doesn’t mean it must be replaced. Get out the needle and thread and get a bit more use out of it. Wow yourself with your reupholstering skills to update your dining room chairs. The sky’s the limit!

Tips for Money & Bills

  • Many car insurance companies, garbage collection, and other service related industries provide a discount for paying many months or a full year in advance. If you’re able to, take full advantage.

  • Save a couple of hundred dollars by paying an extra mortgage payment come the end of the year. By paying the extra mortgage, you’ll receive a big tax deduction for paying the added interest.

  • Use credit cards that provide cash back rewards. This is enticing (as it’s meant to be) so remember to pay the cards off at the end of the month whenever possible or you’ll offset the savings.

Let 2022 be the year when you vow to save more money. There are dozens of tips to help you reconfigure your life and budget to help you roll through the year with less worry and more funds to put toward whatever you wish.

By Hemant Kumar

I am a zealous writer who loves learning, redesigning the information, and sharing the original content in an innovative and embellish manner. I hope you will find my work beneficial and entertaining. Happy Reading!