Not sure where to start with saving money? This frugal mom shares her favorite tools and resources for saving money everyday!
Growing up in a household that struggled financially, I’ve always tried to maximize every dollar that goes through my hands.
While saving money may be second nature to me, what if you’re not accustomed to the frugal lifestyle? Where do you begin?
These 7 items are my must-have tools for saving money!
Note: This post contains affiliate links. For more information, see my disclosures here.
I’ve never been a morning person, but caffeine is a necessity to feel semi-human in the morning!
Having my own espresso maker allows me to save money over a fancy coffee drink elsewhere. Even after splurging on my favorite ghiradelli chocolate, my mochas are way cheaper!
Not up for making your own drinks from scratch? Try a Keurig with the endless options of k-cups and still cheaper than coffee elsewhere.
Two checking accounts
When I found myself continually going over budget with debit card purchases, I knew something had to change.
I have one checking account dedicated to bills (that I deposit a set amount to each pay period). The remainder goes into a second checking account and I use this account for groceries, gas, dining out, and other discretionary purchases.
Having the money separate means I won’t accidentally buy clothes or dinner out with what was supposed to be the mortgage payment. Likewise when the balance is low, I know I have to spend carefully until next payday.
Out of all the money-saving apps out there, Ibotta is my favorite of them all. In addition to using Ibotta to cut my grocery costs, I always check the app before making any online purchases. Ibotta also has cash back offers from a wide variety of everyday stores-from clothes to travel to pet supplies.
If you are looking to save money on food costs, Ibotta is great way for you to start saving money on groceries.
READ MORE: Why Ibotta is the best money saving app
I’ll be the first to admit that I love Amazon and I’ve been an Amazon Prime member for many years now. You can find pretty much anything you need/want on Amazon (at a competitive price) and have it to your doorstep in two days.
The benefits of Amazon Prime more than pay for the cost-such as Prime Video, Kindle First Reads, and digital photo storage. Oh, and free two-day shipping on eligible items. And if you have family or friends that are out of state like I do, it’s great to be able to ship gifts for birthdays or holidays!
GET IT NOW: Free 30-Day Trial of Amazon Prime
Walmart Grocery Pickup
Truth is, I’m not really a Walmart fan. But to have an hour or two of my life back while someone else shops for my groceries? And to not have to drag 3 kids through the store?
Not only does it save me time and sanity, but using grocery pickup save me money because I can stick to my list and not end up with impulse purchases in my cart (or my kids’ impulse purchases)!
READY TO SAVE TIME? Get $10 off your first grocery pickup order
Since I’m a self-proclaimed Amazon fan,it should be no surprise that Kindle Fire is on my must-have list of frugal things, right?
One of my favorite hobbies is reading, but at 30-40 books a year, the cost would add up quickly! Instead, I find ebooks to borrow for free from my local library plus there’s a few ways to get free ebooks as an Amazon Prime Member (such as Kindle Owners lending library and Kindle First Reads).
And for those new releases that you just can’t wait for? Kindle books are usually a couple bucks cheaper than their printed counterparts.
The affordable price of the Kindle Fire also makes it a great option for kids!
Cash-back credit card
Credit cards, if used responsibly, can be a great way to take advantage of the perks offered. I have a cash back card that I only use for certain budgeted expenses (like childcare) and then pay it off in full when the bill comes. I usually earn $400-$500 a year without paying a cent of interest. That makes a big dent in the summer vacation fund!
My must-haves for saving money
These seven items are the staples in my household for saving money on food, hobbies, and on everyday purchases. Want more frugal ideas? Check out 100 Frugal Living Tips for Beginners!