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Top 50+ Tips and Tricks for Saving Money in 2019, Creative ways for Money Saving.In INDIA

Top 50+ Tips and Tricks for Saving Money in 2019, Creative ways for Money Saving.
Top 50+ Tips and Tricks for Saving Money in 2019, Creative ways for Money Saving.


If you are trying to save every nickel and dime because you think that is the way to become rich - I am sorry but it is not. No matter how much you save, saving money alone will not make you rich.

It may be a difficult fact to swallow but once you feel that you will be much better. The key to being rich is to balance the money and make money.

Fortunately, I will write a lot about making money and parties on this blog,
Let's start


1. Create an emergency fund

You've definitely heard about these before. An emergency fund is an amount that is strictly saved for the emergency. This means that you have to save some money to make your emergency fund first. Lucky for you this post is full of tips to save money.

Once the emergency fund is going, it is going to do exactly what it means: save you money when an emergency occurs.

Since you will already have enough cash to be saved in order to deal with most of the emergency, you will not have to pay a loan (and interest payment) to deal with them.



2. Start a Budget

Starting and placing in the budget is the key to financial success. This personal finance is one of the fundamental things.

If you want to save more money, then at least you should know where your money is going every month and how much you are doing every month. You do not need to make the budget radical but establish at least one basic budget.

3. Create financial goals

The goals are, in general, very good - they give you something to work on and they are motivated.

When you are coming with financial goals, follow these important points:


  • Be specific - instead of saying that you want to save money, come with an exact amount you want to save, like $ 1,000
  • Think brief and long-term - you want short-term goals to keep motivated and long-term goals so that you know where you are going. Your short-term goals should be a small win, which comes close to meeting your long-term goals.
  • Review and Update - Every month you should see your goals, measure your progress and come up with new goals.

4. Start earning cash back

This is probably the easiest way to save money, and if you are not using at least one cash back app or website then you are losing money which you could keep. Even if you barely shop, it is still worth it to take advantage.

So what are the best cash back apps? Here are my favorites:

 Paytm is the best platform in India where you can receive a decent and good amount in return of purchase.

                                                              paytm cashback offers


via GIPHY



5. Save on groceries

Grocery goods take a large part of our budget but there are many ways to save money on people who do not know.

For example, In India they are many grocery stores online few are very convenient 
ex.big basket, Amazon groceries.

6. Negotiate your bills

Bill, Bill, Bill. Does it seem that all your money does not go in the direction of paying bills?

What if you can change it?

You can, but it will take a little time and some conversation skills. If you have those two things, then you can learn how to chat on your bills with some phone calls.

7. Start a Cheap Hobby

Investing your time in good and cheap - hobbies will help you create a new skill, and you will be less likely to go out and spend your cash on other forms of entertainment.

Here are some cheap hobby ideas:


  • Start a blog
  • Fill out survey
  • Start work at home
  • To read
  • Knit(stitching)
  • puzzle solving


8. Plan your food

It's an easy money-saving device that will not only save you money but also save time and stress. The concept is simple:

Rather than planning your food, set aside a bizarre, planning a meal and setting a specific day to adhere to it.

For example, you can plan your next week's meal worth every Sunday. By doing so, you will save your time and money.

Such as:


  • You are saving money, time and headaches by traveling less in the grocery store
  • You are saving more money because you will throw less food
  • You are saving more time because you will plan all your meals in one day and you will not have to think about it again for another week.
Now, I think that this whole meal plan can be tedious. This is why it is an easy solution for those who do not want to go through the trouble of planning their own food:

The $ 5 meal plan was created to provide you with a simple weekly grocery list and a cheap dinner for every day of the week.


9. Do not spend any weekend

Suppose or not, you can do a lot of things on weekends, which are fun and free.

However, when it comes to doing free things.



11. Pay Off Credit Card Debt

Credit card debt is cruel for your bank account because interest rates are usually around 15-20%.

If you want to save your money, then pay your credit card debt as soon as possible.

12. Download a personal finance app

Different personal finance apps are available that are less painful for budgeting, spending, and saving. Since there are so many, it can be difficult to decide which one to use.

Here are my top suggestions:

You need a budget - it's not free, but it's the most useful and feature-rich budget app on the market.
Mint - this is a free, and it is excellent to track expenses and establish a simple budget.
Personal Capital - Another free that is great for tracking net worth.
Trim - it's also free, and it's best to track subscriptions, expenditures and more.


14. Quit Smoking

Smoking is the not only dangerous habit - it is also an expensive one.

According to SmokFree, whoever drinks a pack, he spends an average of $ 177 per week on cigarettes, which is more than $ 9,200 a year!

Imagine that your bank account currently has an extra $ 9,200. You can do a lot with that money, but instead, you are putting light on it.


15. Use Cash


via GIPHY

Personally, I like to use my credit card to build my credit and cash back, but if you are not responsible for them, then credit cards can be dangerous.

There are many studies that prove that credit card costs us more, so if you find yourself wasting money, then you can improve the use of cash.


16. Cable Reduction

The average cable bill is $ 99 / month. It's more than $ 1,100 per year and depending on you to decide whether it's worth it or not.

There are some ways to save money on your cable bill:

Cancel it completely
Review your membership package and make changes


17. Holiday Discounts Shop

This is a talented move that is already done by a ton of holiday shopping and also saves a lot of money.

What do you do for holidays (or a few days) after the holidays are over?

For example, when Halloween eliminates all stores, their Halloween decoration is heavily discounted, giving it the right time to adopt new people for the next year. Christmas, Mother's Day, Father days.

18. Decline Your Home

Since you've gone through your home and done it completely, "Do I really need this ***" cleanup?

If it's been a while, then you really should get it. Getting rid of some stress is a great way to clean your house, and you can also get some things that you can sell for a little extra money.

If you get what you want to sell, you can sell it:


  • Craigslist
  • Facebook market
  • eBay

19. Clear your close

After rejecting your house, it's time to go to the closet now. Give it back to the cleaning completely, and you will often find clothes you forgot or clothes that you wear.

With the clothes, you forgot you can turn them in front of your closet and start wearing them again.

Try to sell clothes that you wear now on a site like closet or elanic. This is an easy way to earn some extra money.

20. Cut Your Own Hair

This will not work for everyone, but if you can cut your hair, you will save time and money.

If you do not want to cut your hair but you want a cheap cut, then go to the salon with trainees. They will either give you a free cut or very cheap.

Disclaimer: Because of this money-saving device, I have no responsibility for any jack-up haircut.

21. Buy Used to Save Money

You will not be able to use everything, but when it is an option you should go for it. You will save money and most of the time you will not sacrifice more quality.

Just make sure that if you are buying something used by a stranger (like a car), you inspect it completely.

22. Workout at home

On average, people are paying $ 800 more on a gym membership - or more. Now I am all for healthy and fit, but if you are not going to the gym then the price is not worth it.

Instead, look at ways of working at home or outside. There are plenty of free workout apps and youtube videos to get started.

23. Pay yourself first

This is a basic personal finance strategy which is very important. It is also very easy:

Whenever you get a paycheck, take a little bit to pay yourself. You can start by closing 10%, and then you can try to get as much as you feel more comfortable with savings.

24. Go to Library

The library is full of surprising ways to save money, apart from this, the obvious fact is that you can read the books for free.

The library can save you money Here are some unexpected ways.

25. Fix Yourself

You can not be a fixer-upper type, but that does not mean that you can not learn. Fortunately, with Google and YouTube, it's easier than you think.


You can learn about fixing electronics, repairing clothes, etc. If something breaks out, then find quick fixes on the web before tossing it.

26. Save money automatically

Well, we've already talked about paying ourselves, but this is another way of getting some extra savings. How it works You download an app that increases your purchase and automatically invests additional changes.


27. Keep quality before price

Some people think that saving money is about saving things, but it is wrong.

Think about it:

Will you spend $ 10 on something that will last for one year or $ 50, which will last for 10 years? I will choose the latter.


28. Take advantage of a promo

I'm not encouraging you to make a purchase, but if you need to buy anything, take advantage of the email signup promo. Many online stores will give you fat if you sign up for your mailing list.

However, before you go crazy, I suggest making a different email for these promo emails otherwise you may be tempted to buy more in the future.

29. Unsubscribe from retailer email

It opposes one kind of ultimate money-saving device, but I specifically asked to create a separate email for the promotion.

Once you do this, make sure your primary email address is unsubscribed from all retailers. Again you will not be bombarded by promo all the time and if you need a good deal then you can come to your promo email address and see them in one place.

30. 24-Hour Rule Master

The 24-hour rule is a valuable tool to waste money. If you are going to buy something, stop yourself and sit for 24 hours. At the end of 24 hours, you can decide if the purchase is worth it or not.

For more expensive purchases, upgrade to a 30-day rule. This is the same thing that you wait 30 days instead of 24 hours. But you already knew that.

31. Avoid Fast Food

Back in high school, I wasted a lot of money on fast food. I can tell you that this was definitely not worth it, and it was probably bad for my health too.

Skip the fast food and make extra parts of your food and freeze them. In this way, if you ever live in a pinch, you can simply heat a leftover summer for a good healthy home.

32. Unsubscribe Subscription

Shopify, Hulu, Netflix, Apple Music, nowadays there are many different membership services, it is difficult to keep track!

I suggest that you are going through all your subscriptions and find out who you need and who you are not.

If you need help, the trim can automatically track your membership and cancel those people you do not need.

33. Pack a lunch

Buying a lunch at work is great because it's tasty and convenient, but it's not good for your wallet. A normal take-out lunch can cost you two times more than lunch at home.



34. Take the cheapest

You are not doing any good to yourself by staying in the house too much. More home means more money. You know what is more money? More problems

The truth is that you will be happy or happy - in a small house. If you get a cheap place and you may be able to move forward, then it can save you a lot of money for a long time.

If you can not afford to move forward.

35. Read about personal finance

One of the best ways to save more money and become more financially independent is to know more about how money works.

The best way to learn more about money is to read a book or two on personal finance.

amazon has one the best books

36. Start a Garden

We talked about starting a cheap hobby before saving money, but gardening is more than just a cheap hobby. It's a way of life that groceries can save you $ 600 or more.

Even if you are living in a big city, you can grow a few things on your apartment porch for $ 100 or more in savings per year.
.

37. Take the public transit

If you live in an area with a good public transit system, then you can do better to take a bus instead of paying a car, gas, insurance, and maintenance.

Of course, public transit noise can be annoying and sometimes dirty, but it is also a great way to save money, and it is better for the environment.

Also, think of all the fun things you can do in the way you work because you are driving: You can read a booklet, play a game, listen to music, on your blog Can work, or you can take a nap too!

38. Carpool

Okay, if I have not persuaded you to hop on the public transit train (or just mean I mean) then this is the next best option. Find someone with whom you work (hopefully), and it also lives around you, and ask them if you can carpool to work with them.

Although do not be a freeloader, offer to pitch for at least gas.


39. Update your phone services

Did you know that the average phone bill is about $ 70 per month?

If you have not seen your phone bill recently, then you are paying a lot of money for those services you do not use. It's a good idea to look at your services and find out who you do not need so you can switch to an inexpensive plan.

If you want to save a lot of money on your phone bill, see Ting. The average ting bill is only $ 23 per month, and they are super customizable.

40. Do it yourself

To save some money you can do a lot of small things around the house.

If you have got extra time and a little ease, then go here to get 50 Nifty DIY savings tricks.

41. Think of the cost in terms of time

Have you ever seen science fiction film "In Time" with Justin Timberlake? In that film, time is real money. They pay for things with minutes and when they get out, they die.

Fortunately, we are not going to die if we spend a lot of money but instead of money, it may be interesting to think about your purchase in terms of time.

For example, if you earn $ 25 per hour and you want to buy a new car for $ 10,000, you're going to work 400 hours a day. This is more than 16 days of your life.

If you start thinking about your purchase like this, then you may not want to waste your money on those things you do not need.

42. Create a Saving Reminder

It's a simple tip to save money. All you have to do is to put a savings reminder (mine in the wallet) in which "Are you saving?" Something like is

Every time you pull your wallet to buy something, you'll see that note, and this can help you decide to spend the wrong way.

43. Create a Christmas Fund

It's a money-saving tip that many people never think of, and it's a lifesaver.

If you are something like me, you have stopped your Christmas shopping till the last minute. Then you go online or mall and you start buying whatever you see because gift giving is an explosion to people!

It's all very fun, but then you check your bank account, and now it does not look very fun.

That's why it is best to have a Christmas fund. The amount of money strictly for Christmas. You can do it for other big holidays too.

44. Keep your car maintained

When it comes to car maintenance, it is very easy to ignore that the strange noise coming from your engine is coming, it is to set up an appointment with your mechanic.

However, ignoring the strange noise can be a lot more trouble than being worth it. A few months of waiting can be the difference between a quick and cheap fix and a very fast or cheap fix.


Keep your car Whether you do it yourself or bring it into the mechanic, it does not make any difference, just keep it. It will save you money in the long run.

45. Check your credit report for free

Your credit report is an important part of your financial identity. Whenever you apply for a new loan or credit card, the companies will check your credit report to see how good you are to repay the loan.

Some employers will also check your credit report as part of the application process.

So as you can see, your credit report is very important. This is the reason why it is important to regularly check your credit report, but usually, it costs money.


This is the reason why I recommend using credit sesame. With credit sesame, you can view your credit report free of charge and you will also get free identity theft protection

46. Save Money on Travel

Travel can be very expensive, but if you are smart, there are lots of nifty ways to save on travel.

To find out more, look at these posts:

How to travel on the budget and still take the time of your life
52 Ways to Save Money on Travel

47. Drink H2O

Not only is the water good for your health, but it is also great for your wallet. If you are out in a restaurant, avoid soda or alcoholic beverages and opt-in for fresh, wealth-saving glass of water.

Also, if you are drinking water at home, then try to avoid those big packs of plastic bottles sold in grocery stores. They are more expensive and bad for the environment. Instead, buy a good water filter and use a reusable water bottle.

48. Birthday Freebie

Your birthday is a special day. It is also a day to take advantage of the freebies!

If you have a birthday, many companies will give you something for free, so take a document that proves that this is your birthday, and start getting those free people!


49. Work From Home

It is not possible for everyone to work from home, but if you can do it, it can be equal to significant savings.

Three ways of working from home will save you money here:


  1. Gas and car maintenance have not been spent less. You will save time.
  2. No need to go out for lunch
  3. Do not need to go out for coffee
The downside to working from home is that it is lonely. If you love living around people, then working from home cannot be for you.

However, if you like to work alone (or with your cat), see these 20 things from the hustle and bustle of the house.

50. Get a programmable thermostat

If you do not have a programmable thermostat already - get excited - it's a great money-saving device that can save you 15% or more on your energy bills. If this does not appear to be too much, think about it:


Let's say you spend $ 1,500 a year on gas and electricity. If your programmable thermostat saves you 15%, the savings are $ 225 per year!

ADDITIONAL TIP FOR READING TILL HEAR.


51. Take the survey online

It's not really a tip to save a penny, but simultaneously, it's kind of like that. It's confusing, let me explain:

Filling online surveys is a good and easy way to make some extra bucks every day. If you are consistent with it and earn a good amount, then you can put it directly into your savings account. Bam. I changed the tip to make money in the money making point.

If you want to start, these are my top 5 survey sites:


  1. Swagbucks
  2. InboxDollars
  3. MyPoints
  4. Vital Research
  5. Survey voices


To get more surveys and more money, sign up for as much as possible (with a different email).

Conclusion

There are 51 super active money saving tips there.

Before leaving I would like to mention what I once said above:

Saving money will not make you rich.

I want to make sure that you understand because this is really an important lesson. If you are going to be rich, then you have to make more money. Once you save as much money as you can and save as much as possible, it happens when you start to become rich.


The best way to start earning your income is to create many income streams, and this is the best way to do that which is for a stir. Here are 20 side hustles that you can start today. A warning should be given, once you start the stir then it is difficult to stop!

THANK YOU FOR READING

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