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Saving Money Secrets

Share your best advice for living on a budget and stretching your dollars.

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Please note these are member-submitted secrets and are not reviewed by SparkPeople's health experts for accuracy. If you feel a secret is inappropriate, please click the "Report Inappropriate Secret" on the secret's page and our staff will review it.

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Me First

I have a savings account, and money goes in every time I get paid. Over time, I've increased the amount I deposit. The real trick is to save more than you think you can. After saving for years but not having as much as I thought I should, I challenged myself to save a certain amount from every paycheck - no matter what.

When you have savings to fall back on, you don't worry about paying your bills. Less stress leads to a happier life.

- Submitted by LCATTLEYA 4/13/2014 in Saving Money | 0 Comments

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Vacation funds from spare change.

I never give exact change. I might dole out the pennies to only get silver coins back, but never any more than that. Every couple of days or so, I transfer the change from my purse to an opaque jar on my shelf, and when it gets too full, I roll the change and put it in a box in the closet. When vacation time rolls around, this becomes my spending money, and by saving all my change for a year, I end up with $300-$500 bucks I didn't even feel like I was saving.

- Submitted by NIGHTWISHFAE 3/13/2014 in Saving Money | 0 Comments

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Money for whatever your heart desires

Do you want some extra money for a vacation or for Christmas or a new item for your home. emoticon

- Submitted by JOANHENLEY 3/12/2014 in Saving Money | 0 Comments

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People Laugh at Me because ...

I have a Trac Phone! I have no bill, no contract and pay $19.99 every 60 days.

- Submitted by LISASGONNADOIT 2/20/2014 in Saving Money | 5 Comments

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Stretch your shampoo & stretch your dollars

Most shampoo are heavy on the suds and we tend to use more than we should on top of that. I use an empty bottle and fill half the bottle with shampoo and the other half with water. Your hair (because the detergent in shampoo is diluted) and wallet will thank you.

- Submitted by CHANGEOLA 2/20/2014 in Saving Money | 0 Comments

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Dye hair 2x from 1 box

If you use same color all the time ,you can use only 1/2 of the tube of dye and colorant from your Loreal box .I put the rest in fridge until next time .Take it out 3 hours before I use it ,to get room temperature .I color my hair for years and if you do the roots only, you don't need a whole box.

- Submitted by ALINA1969 1/18/2014 in Saving Money | 1 Comment

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No cellphone bill monthly

I got a pre payed phone T-Mobil loaded with 100 $ for the year(1000 min.)I can text or call even international .If I need more min. I add more. I do not have a cell bill monthly in the last 3 years and don't missed.

- Submitted by ALINA1969 1/14/2014 in Saving Money | 1 Comment

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Cheap Warming Tray No Electricity and Party Helper

A metal cupcake pan bottom of stainless kitchen sink...put a few tea lights in pan. Space candles as needed.
Put a metal cookie tray that overlaps the sink...leaving air gaps along sides. The tray got warm pretty quickly and it was perfect for keeping our mugs of coffee/cocoa warm in a cold room when the power went out. The tea lights last for hours. CAUTION: Tray can get HOT depending on number of candles and an open flame is a fire hazard...the more candles, the more heat.
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- Submitted by JACEYLEE 1/8/2014 in Saving Money | 0 Comments

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Grocery Gift Cards to Me!

I learned from the government shutdown that a sudden pay loss can be crippling to a family. When the dust settled and the paychecks resumed I bought a gift card from the grocery stores I frequent. Each week I add $10 to one of them. Should an emergency occur, I have some back up to be able to feed my family.

- Submitted by DUSTYPRAIRIE 1/5/2014 in Saving Money | 6 Comments

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Stretching Your Dollars

WAtch the weekly sales flyers and if you have a Coupon Lady to watch check her out too. Last week, though I religiously read flyers, I missed a "Free" item and caught it when watching the Coupon Lady.

- Submitted by SLIMLILA 12/26/2013 in Saving Money | 1 Comment
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