90 Tips to Living Comfortably Even On a Tight Budget – The Complete Guide

When you have a tight budget, every dollar counts. Any expense that you can reduce leaves money in your pocket that you can spend to live more comfortably. Reduce expenses on activities and entertainment, auto expense, clothing, food, gifts, housing, medical expenses, utilities and other expenses. Here are 90 tips that could save money for you.

Reduce Activities and Entertainment Expense

Reduce Activities and Entertainment Expense

  1. Reduce activities and entertainment expense by eliminating cable TV.
  2. Reduce activities and entertainment expense by enjoying movie nights at home. Pop some generic brand popcorn, and enjoy the show.
  3. Reduce activities and entertainment expense by finding ways to exercise and relax in nature.
  4. Reduce activities and entertainment expense by going for a walk in a park or on a beach.
  5. Reduce activities and entertainment expense by going to your library or free museums.
  6. Reduce activities and entertainment expense by having your children participate in lower-cost activities and sports instead of joining private leagues.
  7. Reduce activities and entertainment expense by joining meetup groups.
  8. Reduce activities and entertainment expense by seeing what free events are available.
  9. Reduce activities and entertainment expense by staying with friends and relatives when you travel.
  10. Reduce activities and entertainment expense by using group deal websites such as Groupon or LivingSocial.
  11. Reduce activities and entertainment expense with free or low-cost events.
  12. Reduce activities and entertainment expense with internet-based movie services.

Reduce Auto Expense

Reduce Auto Expense

  1. Reduce auto expense by avoiding driving when possible.
  2. Reduce auto expense by consolidating your trips. When you run errands, try to handle as many as possible at one time.
  3. Reduce auto expense by shopping for the best prices and using coupons.
  4. Reduce auto expense by doing your own car maintenance.
  5. Reduce auto expense by keeping your tires properly inflated and your engine tuned.
  6. Reduce auto expense by paying cash for your gas. Gas stations charge more when you use a credit card.
  7. Reduce auto expense by searching the GasBuddy app for the lowest prices.
  8. Reduce auto expense by shopping around for car insurance.
  9. Reduce auto expense by using the lowest octane option.
  10. Reduce auto expense by walking or riding a bicycle.
  11. Reduce auto expense by improving your gas mileage and being a more cost-conscious car owner.

Reduce Clothing Expense

Reduce Clothing Expense

  1. Reduce clothing expense by accessorizing rather than buying new clothes.
  2. Reduce clothing expense by maintaining your weight and using all of the clothes in your closet.
  3. Reduce clothing expense by buying shoes at discount shoe stores.
  4. Reduce clothing expense by checking for the best deals.
  5. Reduce clothing expense by checking online clearance offers.
  6. Reduce clothing expense by downloading coupon apps. Before shopping, check apps like SnipSnap and RetailMeNot. Before checkout, run a search to see if there are any current deals.
  7. Reduce clothing expense by renting special occasion wear from a site such as Rent the Runway.
  8. Reduce clothing expense by shopping at thrift stores, high-end clothing swaps, outlet stores or consignment shops.
  9. Reduce clothing expense by swapping rather than buying. Swap with a friend who is your size.
  10. Reduce clothing expense by using cash-back programs such as Ebates.
  11. Reduce clothing expense by waiting until the end of a season to buy on sale.

Reduce Food Expense

Reduce Food Expense

  1. Reduce food expense by always packing your lunch for work.
  2. Reduce food expense by buying deals from restaurants that you like.
  3. Reduce food expense by buying generic products.
  4. Reduce food expense by buying grocery items in bulk.
  5. Reduce food expense by buying in bulk.
  6. Reduce food expense by buying store brands.
  7. Reduce food expense by buying larger sizes when the larger size is offered at a lower unit cost.
  8. Reduce food expense by cooking your own meals. Find ways to eat from home and save.
  9. Reduce food expense by cutting out midweek grocery trips. Grocery stores are a spending trap. Create a meal plan, and have a set shopping plan. This can keep you from spending on impulse items.
  10. Reduce food expense by drinking more water and less of everything else. Drinking water is healthy, and by drinking more water, you will save money because you won’t be spending money on costly beverages.
  11. Reduce food expense by fishing. Eat freshly-caught fish.
  12. Reduce food expense by going meatless. Be a vegetarian at least a few days each week.
  13. Reduce food expense by going out for lunch instead of dinner.
  14. Reduce food expense by growing your own vegetables. Buy seeds at low cost from dollar stores.
  15. Reduce food expense by joining frequent shopper programs.
  16. Reduce food expense by learning how to eat well on a budget. Eco-Vegan Gal and Balanced Babe are two sources for information.
  17. Reduce food expense by shopping at a farmer’s market.
  18. Reduce food expense by negotiating at the farmer’s market.
  19. Reduce food expense by shopping at places other than regular grocery stores. There are a number of stores with lower prices than grocery stores.
  20. Reduce food expense by skipping expensive coffee shops. Make your coffee at home and at work.
  21. Reduce food expense by skipping the drinks when dining out.
  22. Reduce food expense by using grocery coupons. Plan your meals in advance using items that you see in coupons from the newspaper or online at CouponCabin.com and Coupons.com. Use coupons from Groupon, Scoutmob, LivingSocial and other websites. Don’t forget about the websites of manufacturers.
  23. Reduce food expense by using discounts at restaurants. Ask about discounts, and visit the restaurant’s website to look for savings. Discounts may be available for seniors, early birds, happy hours, students and frequent diners.
  24. Reduce food expense with grocery price matching. If the store you use offers price matching on ads, simply bring the ads and show them during checkout. Use Walmart’s Savings Catcher app. Simply scan your receipt with the app, and it automatically does the price-matching. If a better price is available, you will be refunded the difference on an e-card.

Reduce Gift Expense

Reduce Gift Expense

  1. Reduce gift expense by checking garage sales or online auction sites for gifts.
  2. Reduce gift expense by creating freebie coupons. Prepare cards with coupons for favors or help that you will provide, such as backrubs or mowing the grass.
  3. Reduce gift expense by making gifts.

Reduce Housing Expense

Reduce Housing Expense

  1. Reduce housing expense by finding a roommate.
  2. Reduce housing expense by moving to a less expensive place.

Reduce Medical Expense

Reduce Medical Expense

  1. Reduce medical expense by exercising and staying healthy.
  2. Reduce medical expense on prescriptions by using GoodRX.com to check prices and obtain coupons.
  3. Reduce medical expense by buying vitamins when stores offer buy one, get one free promotions.

Reduce Utility Expense

Reduce Utility Expense

  1. Reduce utility expense by using an antenna for TV service.
  2. Reduce utility expense by eliminating your landline telephone.
  3. Reduce utility expense by negotiating new utility rates. Call your providers, and tell them that you will seek a different provider unless they give you a lower rate.
  4. Reduce utility expense by sealing off drafts. Check for gaps around windows and doors, and seal any openings with foam.
  5. Reduce utility expense by turning off the heat and air conditioning whenever possible.
  6. Reduce utility expense by turning off heat and air conditioning when you aren’t home.
  7. Reduce utility expense by turning off lights when not needed.
  8. Reduce utility expense by unplugging electronics. When your electronics are switched to the “off” position, they still use electricity.
  9. Reduce utility expense by using a programmable thermostat. This allows you to control the temperature by season and by the time of day.
  10. Reduce utility expense by using energy-saving power strips with your computer, TV and other equipment. These strips cut the power when equipment is not in use.

Wise Saving Budgeting

Reduce Other Expenses

  1. Reduce cleaning expense by making your own cleaning supplies. Use items like vinegar and baking soda. Clean windows with vinegar, lemon juice and water.
  2. Reduce credit card expense by switching to one offering no interest for a period of time.
  3. Reduce expenses by cutting out non-essentials.
  4. Reduce expenses by forgetting name brands.
  5. Reduce expenses by never buying anything at full price. If you need to buy something, wait until it goes on sale.
  6. Reduce expenses by only buying items for which you have a discount or a coupon.
  7. Reduce expenses by solving many household problems on your own without hiring someone. YouTube has videos that will show you how to do just about anything.
  8. Reduce expenses by stopping impulse buying. Never purchase anything without thinking about the purchase for at least 24 hours.
  9. Reduce expenses by taking advantage of senior discounts.
  10. Reduce expenses by taking advantage of the discount given to veterans by some merchants.
  11. Reduce expenses by using frequent customer programs available with airlines, hotels and car rental companies.
  12. Reduce expenses by using websites like CoupounMountain.com for free coupons that you can use for purchases online.
  13. Reduce expenses by comparison shopping.
  14. Reduce furniture expense by buying furniture at thrift shops and garage sales.

Live More Comfortably Today

When you are living on a tight budget, you need to be smart with your money. Consider these tips for living comfortably even on a tight budget. You can shave real money off your monthly expenses by eliminating services that you don’t have to have, negotiating and looking for lower-cost alternatives.

Hot Home Air Team
 

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