Consistent small tweaks will get you where you’re gonna wanna go.
Ten percent is scary.
One percent is manageable.
But how exactly do you do that?
Swap out one bar/restaurant night a month for a cooking night in with friends or someother inexpensive activity.
Try a booze-free month (good for your health and your wallet).
Learn a skill you used to pay for (like changing your oil).
Go through your last credit card statement and see which subscriptions you’ve got the option to cancel.
$178 to $200), suggests ChooseFi.
401(k).
Youll pay significantly less in fees (and likely benefit from higher returns).
Shop around fornew car insurance.
Power, consumers who switched insurers saved an average of $388 in 2015.
Maybe youre up for a new phone or tablet.
Do you reallyneeda new one this year?
Consider how much it would inflate your bill each month and keep what you have.
Abstain from buying new kitchen and bath products until youve used up what you have.
Relatedly, take a moment to reflect on everything you own.
Make it a mental game of trying to make everything youve already bought earn their cost.
Itll give you satisfaction and youll feel less like you wasted so much money.
Additionally youll focus less on new things and end up saving money.
Save every $5 bill you get.
Stock up on pantry basics, and maybe, finally, get into meal planning.
Apply $100 extra to theprincipal amountof your student loan balance.
Finally open thatRoth IRAand put $100 into it.
Eat more veggies and grains, and less meat.
Consider instituting a meatless Monday.
Gift food or experiences instead of stuff and commit to sharing moments, not clutter, suggests ChooseFi.
There are countless ways to save and earn more moneyhow will you get to one percent?
