Saving money doesn’t have to be a bummer. With a little creativity and some simple changes to your daily routines, you can save more without feeling like you’re missing out. Here are some money hacks that you can start using right away to build your savings without cutting out all the fun stuff!

1. Automate your savings

One of the most effective ways to save is by automating it. Set up automatic transfers from your checking account to your savings account. This “pay yourself first” approach makes sure that you save money before you have a chance to spend it.

2. Round up your purchases

Many banks and financial apps will let you round up your purchases to the nearest dollar, transferring the spare change into a separate savings account. Over time, these small amounts can add up to something.

3. Cook at home and meal plan

Dining out can quickly drain your budget. By making a food budget, planning meals, buying groceries in bulk, and cooking at home, you can save a substantial amount of money. Make it a fun activity by trying new recipes together with your partner or family.

4. Cut cable and subscription costs

Evaluate your cable TV and subscription services. With the availability of streaming services, it’s often possible to cut cable entirely or reduce your subscription plan. Consider sharing subscriptions with friends or family to split the cost.

5. Sell things you don’t use

Declutter your home and make some extra cash by selling items you no longer need. Use online platforms like eBay, Craigslist, or Facebook Marketplace to sell furniture, electronics, clothing, and more. The money you earn can be redirected into your savings.

6. DIY home repairs and upgrades

Save money on home maintenance by learning to tackle simple repair and improvement projects yourself. YouTube and other online resources provide step-by-step tutorials for a wide range of DIY tasks, from fixing leaky faucets to painting rooms.

7. Use cash back and rewards apps

Take advantage of cashback and rewards apps when making purchases. Many apps offer cash back or gift cards for everyday shopping. Be sure to read reviews and choose reputable apps to ensure your personal information is safe. Brigit’s Earn & Save is another great app-based tool to help you save and bring in more money!

8. Borrow instead of buying

Before purchasing items you’ll only use occasionally, like tools or sports equipment, consider borrowing from friends, neighbors, or local lending libraries. Sharing resources can save you money and reduce clutter in your home.

9. Negotiate your bills

Many people don’t realize that they can often negotiate their bills, such as cable, internet, and insurance. Call your service providers and ask for a better rate or discount. Loyalty and negotiation skills can go a long way in reducing your monthly expenses.

10. Set up a “no-spend” challenge

Try implementing a “no-spend” challenge for a week or a month. During this time, you commit to spending only on essential items, like groceries and bills. Avoid dining out, impulse purchases, and online shopping. It’s a great way to reset your spending habits and build awareness.

The bottom line: money hacks

Saving money doesn’t have to be a burden; it can be a creative and even fun process. With these money-saving hacks, you can start building your savings without feeling deprived or stressed about your budget. From automating your savings and rounding up your purchases to embracing DIY projects and setting up a “no-spend” challenge, these are all ways you can create a more secure financial future while still enjoying the things that you value.