Smart & Simple Money Resolutions YOU Can Achieve in 2018

Making changes to your spending habits isn’t always easy and some changes will take more time than others. I’m sharing some really simple ways to spend less, save more and start off 2018 without extra financial stress.

Start Grocery Shopping Smarter

I mentioned this in my previous grocery post about ways to cut down on your grocery bill, but I want to share this tip again. Shopping at cheaper grocery stores like Aldi and Walmart will save you a lot each month on your groceries compared to shopping at Winn-Dixie or Publix (BTW there’s a common misconception that Winn-Dixie is cheaper than Publix, and it’s not. I’ve compared their weekly ad prices before, and Publix is slightly cheaper). One grocery trip at Publix would set me back well over $100, whereas I only spend around $50 to $60 at Aldi.

Complete a No-Spend Challenge

Consider it a spending detox. You can challenge yourself to not spend money on extras (only necessities like groceries, toiletries, personal care, etc) for a number of days, weeks or even months. I’m ambitious and going to strive to not spend the whole month of January! Who’s with me?

Wait Before You Buy

This is a classic and easy trick to figure out if you really want that item you’re looking at in the store. Take a picture of it and if you still want it a week later, then go back and buy it. And if after the week is up and you’re not interested anymore, then you’ve saved yourself from an unnecessary purchase!

Shop At home

This is something my family and I like to do. If we want or need something, we shop in our home first. You’d be surprised at the things people can accumulate over the years. Turns out, I didn’t need to buy another HDMI cable because I already have three extras (true story).

Use a Budgeting App

My go-to is Learnvest, but because it’s not a free service, I suggest Coyn in the App Store. It’s free, looks easy to use and it’s colorful. Another popular budgeting app is Mint, and I have used it in the past, but it’s been a while and I think the updates they’ve made are really useful.

Earn Cash Back Through Rebate Apps

Rebate and cash back apps should become your new best friend in the new year. Ibotta, Saving Star and Checkout51 are the main apps I use when it comes to saving money on groceries and more. You upload a receipt, scan product barcodes and submit your cash back request! Pretty simple if I do say so myself.

Cook More, Eat Out Less

Meal planning and meal prepping take time, but it’s worth it in the end because you’re saving yourself so much money and temptations to eat unhealthy food. Invest in a crockpot and your life will be made. Here’s one of my go-to and favorite recipes: Chicken Cacciatore.

Cut Out Soda

Soda is more expensive than people think, so cutting this out of your weekly grocery trips will save you some easy money. And you’ll feel better since you won’t be consuming all that sugar!

What are some of your financial resolutions for 2018?