No limit to growth.
15 Money-Saving Strategies
for Couples
Kayla Matthews
If you and your partner have
big plans coming up, whether it’s a vacation, marriage,
new house or even a child,
finding ways to pinch pennies can sometimes be difficult.
However, there are some
simple ideas to stretch dollars and cut corners
in order to help you
meet your financial goals.
If you aren’t sure where to
begin, here are 15 money-saving tips to get you started.
1. Go on Dates That Cost
Next to Nothing
While going out to classy
restaurants, concerts and sports games can make for amazing dates,
they can also run your bank
account dry. If you’re trying to save money,
coming up with inexpensive date ideas is key. Having a dinner and movie
night in,
going to see a local band at
a free event, or even going for a hike are fun and cheap.
2. Sign Up For Free
Customer Rewards Programs
Taking advantage of free
rewards programs can help you cut corners easily.
Many media services like
Netflix, Amazon Prime and Redbox offer free trials
that can help you receive
free movie rentals or get you waived shipping fees.
Other types of rewards
programs, which are through supermarkets or gas stations,
can help you save money every
time you shop.
3. If the Time Is Right,
Move In Together
If you don’t already live
together and are considering it, sharing a living space
can save a huge amount of
money. Not only do rent and utilities become easier to manage
when you split the cost, but
many other expenses like food and gas become cheaper as well.
4. When Furnishing A New
Place, Buy Used
If you’re moving into an
apartment and need furniture, buying new tables and chairs
and everything in between can
add up fast. Instead, bargain hunt at thrift shops, yard sales
and flea markets. With a
little TLC and a coat of spray paint, a coffee table or lamp
can look like new. Or even
better.
5. Consolidate Whenever
Possible
To make the most of your
money, consolidate expenses with your partner whenever possible.
Easy things to consolidate
include cell phone bills, magazine subscriptions
and digital subscriptions.
6. Make Your Own Cleaning
Supplies
Spending money on items you
don’t necessarily enjoy purchasing,
like cleaning supplies, can
be a bummer, especially when those expenses start to pile up.
Instead, buy natural
ingredients and make your own.
7. Get Rid of Unnecessary
Subscriptions
Magazine subscriptions, cable
bills and online media subscriptions
are often the biggest
culprits when it comes to hidden expenses.
8. Make the Most of
Grocery Shopping
Buying groceries is a huge
drain on money, unless you do it right.
Buy necessities (toilet
paper, baking items and frozen food) on sale and in bulk.
Also, before shopping, make
an airtight grocery list
so you don’t purchase anything unnecessary.
9. Take Cheaper Vacations
When possible, make your own
meals and snacks instead of ordering out when you vacation.
Also, look into camping
instead of pricey hotels,
or try to find a Groupon or
other discount available.
10. Combine Your Finances
If you and your partner live
together and share expenses, creating a joint account can help you create a
budget for the items and expenses that you pay together,
and save money in the
process.
11. Have Frequent
Discussions About Your Goals
When making any savings plan,
it’s key to account for what your future goals
are and what you’re actually
saving for. By gauging what you want to have
and what you want to
accomplish in the future, you can adjust your savings plan as needed.
12. Adjust Your Insurance
Policy
If you pay high monthly
insurance bills, you understand how much of a drain
this can put on your
finances. You’re not the only couple feeling this,
as 1.7 million people declared bankruptcy in 2013 because of
medical debt alone.
To help ease this load, look
for ways to adjust your insurance plan so that it’s more affordable.
13. If You Have A Credit
Card, Don’t Use It
If your goal is to pinch
pennies and save money, stop spending with your credit card.
While it may seem like a
harmless way to boost your credit score, using this piece of plastic
and becoming a little to
trigger happy with it, can come with serious financial consequences.
14. Make A Debt Plan
If you and your significant
other are currently in debt, making a plan to help you overcome
it efficiently is all too
important. By assessing your debts together, you can more comprehensively
determine the best repayment plan to reduce expensive interest
and get out of
debt quicker.
15. Re-Finance Your
Student Loans
Going to college wasn’t
cheap, and you’re likely left with the student loans to prove it.
If you and your significant
other both have a plethora of student loans,
do your best to consolidate.
Saving money can often feel
like an impossible challenge. However, by making simple changes
to how you and your partner
spend and save, you can grow your savings at a faster rate.
http://www.lifehack.org/articles/money/15-money-saving-strategies-for-couples.html
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