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10 Simple Budgeting Hacks That Won’t Make You Feel Broke

Having fun and saving money aren't mutually exclusive! You can save smarter, and Navy Federal Credit Union can help.

1. Use a rewards credit card for essential purchases.

2. Get a library card.

3. Learn to cook a few simple meals.

4. Unsubscribe from retailer emails.

5. Plan your fun spending in advance and only use cash.

6. Embrace no-spend days.

7. Sign up for loyalty programs.

8. Negotiate like a boss.

9. Pay yourself first.

10. Make your savings account work for you.

Start saving today with help from Navy Federal Credit Union! As a member, you have access to a range of savings, checking and loan options, and access to a financial counselor.

All illustrations by Kevin Valente © BuzzFeed

Navy Federal is federally insured by NCUA and is an Equal Housing Lender.