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5 Easy Ways To Save Money (With Minimal Effort)

House prices. Electricity prices. Fuel prices. Grocery prices. It all just keeps going up and up – no wonder so many people feel like they’re caught in a debt current!

Here are FIVE money saving ideas that will, hopefully, allow that belt to be loosened just a little.

easy ways to save money

Groceries

A huge percentage of the average Australian’s weekly income goes towards groceries. So why are so many people throwing their money away by making poor choices at the checkout?

There are a few key ways to save money when doing the weekly shop. They aren’t hugely time-consuming and will pay off in a few months’ when there’s a noticeable difference in the savings account.

Price Comparison. Take some time on the websites of the major grocery stores. It can be interesting to see the difference that brand names can make to the bottom line.
Mix It Up. Consider purchasing meats or fruit and vegetables from speciality grocers instead of supermarkets. The quality is typically better and the prices are generally lower – plus it’s supporting local business.
Check BEFORE you shop. There are MANY lonely old tins and packets isolated in pantries and cupboards across the pantry. Check stocks carefully before making a list.
Meal Planning. Sit down and map out EXACTLY what meals you need to prepare for. What can be used in a few different ways? How can you make use of the ingredients you just found withering away in your pantry?

Utilities

Gone are the days of the monopoly. You will find that one of the easiest ways to save money is by shopping around for your utilities and insurance providers.

Many companies will either price match or go out of their way to provide a more attractive deal than their competitors. It’s up to you to ask the questions and to make a few comparisons. There are sites, like Compare The Market, that will even do that for you.

Staying with a provider just because you’ve been with them for a long time is not a good reason. Stand up for the little guy and shop a better deal for your family – from the comfort of your own living room.

Disposable Fashion

Cheap clothes mean cheap material means waste. Constantly stopping to shop at cheap stores means that wardrobes are over-flowing with disposable fashion that doesn’t even last for a season.

Investigate op shops. Hold off on buying new clothes every week and save towards a higher quality, longer lasting garment that can handle everyday wear. It may seem cheaper in the long run but buying cheap clothes is NOT a money-saving idea in the long run.

Woman working at laptop | easy ways to save money

Work Smarter Not Harder

Are there ways that you can be making money from home? Check out this guide to a few easy money-making ideas.

Embrace the idea of ‘working smarter, not harder’. Instead of buying a sandwich every day at work, make your own lunches on the weekend. That saves time, effort and money in the day-to-day. Driving into work and burning through petrol? Carpool or take public transport.

The $5 Plan

This is a great idea that’s becoming quite widely spread and a really innovative way to make money.

If you ever get a $5 note, put it in a money jar. Refuse to break a $5.

Storing these little notes up will quickly result in a tiny slush fund. This can add up to pay bills, pay for takeaway or a special treat or go towards a big purchase in the future. Treat yo’ self!

Got any other ways to save money?

Feeling thrifty and want to share your ideas? Save ‘em in the comments!



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10 Comments

  1. 06/11/2017 / 6:35 am

    I’ve been doing that $% plan but with coins in my purse – I keep clearing them out and puting them in a moneybox and then each week I take it to the bank. Some weeks there’s $98 in there! At least it explains where all my money is going!

  2. 06/11/2017 / 7:42 am

    I do most of those ideas, food planning is one of my biggies as well as clearing out all change at the end of the day and buying second hand. Thanks for the reminder to compare my utilities though… I haven’t done that for a while!

  3. 06/11/2017 / 8:22 am

    We definitely saved money on our health insurance by shopping around. It was crazy how much it was costing!

  4. 06/11/2017 / 8:42 am

    Great tips! We have a change box and that is where all coins go (from my hub, not me!) and it recently yielded close to $200 to help our 20 year old student GD. Amazing how it adds up. We also used the smoothing bill payment with electricity by putting in fortnightly amounts when we had much larger bills in Sydney thanks to a bigger place and a swimming pool pump.

  5. Dana
    06/11/2017 / 10:18 am

    I have an Acorns account which I never check and never think about and never notice. There’s over a grand in there that I didn’t notice going.

  6. 06/11/2017 / 11:05 am

    Love the $5 tip and recently I have been trying to be more sustainable with fashion. I am not a big clothes buyer but I certainly have been steering away from “fast fashion”. Thank you for the link up.

  7. 06/11/2017 / 1:29 pm

    meal planning saves us so much money (and reduces the whining!) but I like the idea of saving $5 notes… I used to save gold coins, which mounted up quickly, but notes is even better!

  8. 06/11/2017 / 2:57 pm

    I love a good bit of money saving advice (so much so that I started a blog full of such ideas!), but Meal Planning is my number one tip for saving money. I do need to look at how much we are spending on disposable fashion though, it’s not really something I’ve thought about 🙂

  9. 06/11/2017 / 11:31 pm

    Some really thoughtful approaches and tips here. I wonder if I could fully commit to the $5 challenge?!? I am all about op shops!

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