1. Just bundle up when it gets cold!
Wear layers, or take a hint from this dog and curl up in a warm blanket. Leave the thermostat alone when it’s cold out, and enjoy a lower energy bill!
2. Start taking cold showers, but make it quick if you find this uncomfortable.
You’ll save money on your energy bill, and if you take shorter showers (because why wouldn’t you, cold showers are the worst) you’ll also save on your water bill!
3. Turn the water OFF when scrubbing dishes.
This can save 200–500 gallons of hot water per month. Maybe you could even spare some of that extra hot water and treat yourself to a warm shower every once in a while!
4. Ditch the cart when shopping for groceries.
No matter how hungry you are, you’ll only be able to buy what you can fit in a basket or your arms. (Also, shopping when hungry is just a bad idea anyway.)
5. Give up juice and soda, and drink water instead!
Instead of blowing $5 here and there on carbonated and sugary drinks that you don’t really need, save that money and just drink water. Plus, you’ll also stay hydrated!
6. Put aside $10 every week and save up for something you really want.
Use this to avoid splurging on impulse purchases. This will help you save for things you want, and you have to think about it extra hard while you save up!
7. Limit your eating out to once or twice a week.
With a little effort, you can still make dinner at home an exquisite affair!
8. Instead of going out with friends, just invite people over!
Paying a cover just to go to a bar is so overrated anyway. Besides, your friends will help clean up afterwards, right?
9. Make your own coffee! It’s cheaper, and it’s just a good skill to have.
It’s cool to be able to understand coffee more than what flavor lattes the local shop has to offer. Cheaper too.
10. Cancel that cable subscription!
If you absolutely need TV in your life, watch it online with a cheaper streaming alternative.
11. Make your own lunch. Make it so tasty that your co-workers get jealous.
They’ll also envy how much money you save from each paycheck.
12. Ditch the car every chance you get!
Take advantage of public transportation or carpooling… this way you not only save money on gas, but also on vehicle maintenance costs. You can be productive on your commutes this way as well.
USAA means United Services Automobile Association and its affiliates.