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Weird and Obvious Ways to Save Money

Kierstin is a penny pinching mom/college student who treats money-saving like some kind of really nerdy, homeschooly video game.

Get some unusual tips for saving money.

Get some unusual tips for saving money.

This year has included some pretty exciting stuff (oh, and some major adulting) for our family, from purchasing our first home to getting our first dog—life events that are both Instagramable and financially terrifying, just to be real. That's meant making some obvious adjustments to our everyday, like cooking at home instead of eating out every other night, turning lights off when we leave a room, and switching to the cheap kitty litter brand (which has turned out to be totally awesome).

But it's also meant taking on a more conscious attitude towards our spending habits and exploring creative ways to save money that also aren't totally depressing. You know what I'm talking about. Google "how to save money," and you come up with page after page of results that tell you to do things like invest all of that extra money you have sitting in all of your extra checking accounts. Um, okay. *eye roll*

So then you Google "how to save money when you're already poor and don't know how to day trade" and it's like blog after blog of reuse your tampon and use expired milk to make homemade cheese.

Money Blogs Written by People Who Don't Take Their Own Advice

The thing about these blogs is they're written by people who don't actually do that stuff because they recognize that time is money. They use their time to blog about how to save money, which makes them money. They are not making their own cheese and neither should you (unless that's like your hobby thing, and if it is please leave some comments below about how to do it without dying).

You know what else they're not doing? Sewing their holey socks; soaking, rinsing, cooking, and freezing dried beans for dried bean breakfasts, lunches, and dinners; creating elaborate night-in dates with their "hubby"; re-dyeing their underwear; or turning old wine into vinegar (because I don't even drink and I know that no one has old wine just hanging out, geeze).

Focus on the Things in Life That Actually Matter

They aren't doing these things because they've already realized that each minute they have during the day has the potential to lead them to greater financial freedom by focusing on the things in life that really, actually make a difference in the grand scheme of things.

What I mean is, sure, I can save $10 on a package of Hanes for my toddler by sewing the itty bitty dryer-induced holes in her socks. Sure, why not. I can sit there for AN ENTIRE AFTERNOON and mend those pretty little tootsie covers and save ten dollars. Or, I can Amazon Prime that stuff and spend the afternoon teaching my daughter how to write her name. Long-term, what is going to give me the best return for my time-investment?

It's not the socks.

The old adage "a penny saved is a penny earned" only makes sense if you truly believe that your time is only worth a few pennies.

Easy Ways to Save Both Money and Time

So, okay, getting to it, yes, I DO put water in the empty jug of Gain and shake that thing around for an extra couple of loads, yes. I do do that. But I also do a lot of other stuff that saves me both money and time that isn't going to require you to become a homesteader.

Here are the top ten things I do regularly to stay on top of our finances while refining the delicate art of time management that I think you could try too without losing your mind.

  1. Set a Timer While Showering
  2. Make a Weekly Meal Plan and (Mostly) Stick to It
  3. Avoid Shopping in Person
  4. Use Cashback Sites Every Time You Shop
  5. Keep Your Promotions Box Clean as a Whistle
  6. Stop Reading Mom Blogs About Sewing Your Socks and Eating 5-Day-Old Rice
  7. Pay Your Bills Online and Use a Calculator While You're at It
  8. Stop Going to the Library If You're Forgetful and Lazy
  9. Purge and Donate
  10. Check Your Energy Insights

1. Set a Timer While Showering

I started with this one because I know it seems kind of extreme and maybe even a little unrealistic to set a timer during the most relaxing part of your day. The thing is, especially for those of us who are home-based, it can be way too easy to steam until the hot water runs cold, which in my house takes about twenty minutes. If I don't plan of shaving (it's fall now, so I'm good for a while), I can set the timer on my phone for 6 minutes (or like one and a half Vance Joy tunes) and be all cleaned up and ready for the day without powering through my electricity and water for an indefinite amount of time.

Bonus: My daughters always end up hopping in with me, so not only can I get all of us bathed and ready for the day at a reasonable time, I'm not eating through our utility budget in the process.

2. Make a Weekly Meal Plan and (Mostly) Stick to It

If you don't already do this, it's time to get into the habit of extreme meal planning (kidding about the "extreme" part).

I was kind of skeptical about meal planning at first. It seemed like some more mommy-blog quackery, but it turns out that it really is a great way to save time and money. Here's why: Each week I sit down with my laptop and my iPhone notes and plot out the next four dinners (knowing that for the other few nights I'll nosh on leftovers). I usually use Taste of Home or some other site (but mostly Taste of Home because they have a lot of recipes that include cheese and breaded stuff).

Depending on what my financial situation is that week, I will splurge on brand new recipes or stick with cheap, comforting standbys. Next, I add breakfast essentials and lunch supplies to my list, and I always check my pantry before placing my order to make sure I'm not double-buying an ingredient I already have; that way, nothing expires before it gets used up.

Compared to when I was just winging it grocery shopping, I really do save hundreds each month, probably because the food I buy has a purpose, I know how I'm going to use it, it doesn't end up going bad and getting thrown out, and I don't end up having to buy a bunch of extra groceries two days later to make meals out of the random food I bought to begin with.

Be Realistic and Flexible

Another way that I save money grocery shopping and cooking is to be realistic about who is eating what. Truthfully, I eat Lean Cuisines for lunch while my husband is currently only eating vegan and my daughters easily just down an entire carton of strawberries and a package of cheese sticks even if my plan was much more elaborate.

Of course, you have to leave some room for flexibility. Last week we all had some weird bug and only wanted to eat chicken noodle soup, crackers, and popsicles. I froze the food we weren't eating fast enough and indulged our cravings.

3. Avoid Shopping in Person

The reasoning here should be easy, but if you're not catching my drift, here's five words:

Kids. In. A. Grocery. Store.

Here are some more words: Kids throwing a $7 box of cereal with the faces of Olaf, Anna, and Elsa in your shopping cart. Kids eyeing King Sized Kit Kats in the checkout line. The makeup aisle. The best sellers endcap. Target.

These are all reasons to not shop in the store. My original inspiration for shopping exclusively online for everything from batteries and lightbulbs to back-to-school-wardrobes and milk was a very unreasonable fear of stores. I just don't like them, I don't like being stuck somewhere I don't want to be and I guess shopping never was my favorite.

A pleasant benefit of not shopping in the stores though has been the ability to not only see my total before checking out, but to be extra choosy about what ends up in that cart in the first place. I can comparison shop quickly (just open a new tab) and read reviews on things I've never tried before instead of throwing caution to the wind. The time I would normally spend on the actual trip, wrangling my kids and getting everything in the door is spent making decisions that ultimately result in significant financial savings.

Plus, I can Christmas shop next to my kids and they're still surprised.

4. Use Cashback Sites Every Time You Shop

There are tons of cashback sites and apps out there but for me the easiest one to use has been Swagbucks.

Buuuuuuuuuttttttt you've tried Swagbucks and it hasn't saved you any money.

Have you really used Swagbucks or are you just spending twenty minutes on a survey that gives you 4 points? Don't do that, that's a total waste of time. Before you start a shopping trip to stores like Target or WalMart use the Swagbucks shopping program. You'll earn points on each qualifying dollar that you spend which you can then redeem for gift cards or just straight up cash into your PayPal. This isn't going to make you rich or anything, but I usually let the points accumulate for a few months then turn them in during the holidays to take the edge off.

I'm sorry I was so harsh to beans earlier, I really do like them.

I'm sorry I was so harsh to beans earlier, I really do like them.

5. Keep Your Promotions Box Clean as a Whistle

One of the downsides to studying marketing in college is that I can no longer enjoy a sale at Ulta or BOGO's anywhere without thinking about the fact that I'm not actually saving money. Have you ever noticed that when your favorite store tells you they're having a denim sale the jeans end up totaling the same price they were last week with the 20% off coupon?

It's just all different versions of the same story piling up in your inbox every morning. Those sale prices, they're not going anywhere and neither should you unless you have an actual plan to buy that particular thing that day and you just so happen to receive a coupon for it. Otherwise, clear out your promotions box, ignore the emoji-filled subjects and resign yourself to making a "will buy" list and sticking to it.

Long story short, promotions emails aren't really going to save you money, especially if they entice you to buy a new infinity scarf every other day.

6. Stop Reading Mom Blogs About Sewing Your Socks and Eating 5-Day-Old Rice

Just stop. Or don't stop, because they're really interesting and I think that it's awesome that we live in an era of flexible work options. But still, some of the advice is kinda shaky, you have to admit. I have two rules when it comes to saving money, and I think they're pretty good rules:

  1. Don't do something that's going to make you sick just to save a few bucks. If someone tells you to just keep on eating old food to stretch a dollar, ask yourself if the lost income of missing two days of work thanks to food poisoning is really worth the extra couple of dollars you saved annnnnd
  2. Stop wasting your time on time-consuming projects that result in little return for your time investment. I'm really into this concept right now. Your time is an investment. Before you go spending it on something that you don't enjoy, for the sake of saving money, ask yourself if your time could be better spent on something with a greater long-term reward. I would rather spend an afternoon working, knowing that that work will earn me passive income than save money in the short term spending a lot of time on a task like mending worn out clothing, making my own baby wipes and laundry soap or doing tricky DIY projects myself (like electrical work or mold removal).

7. Pay Your Bills Online and Use a Calculator While You're at It

This one is pretty simple. If you pay your bills online it's easy to sit down, pay them all quickly and use your computer's calculator to keep track of what your outgoing total for bills will be so you can make sure not to overdraw your checking.

Again, this list is obvious stuff you're probably not doing. Don't pretend you haven't overdrawn with that phone bill once or twice. Keep track with a calculator so you can prioritize by what's due first and avoid overdraw fees.

8. Stop Going to The Library If You're Forgetful and Lazy

Lol, okay that was mean. Sorry. You're not forgetful and lazy. Or, if you are, I am too. For seven years I worked at a library and for seven years I never, ever, ever returned my materials on time. Ever. But I didn't get fined because I worked there. It was maybe not ethical, it may have even been some fluke in the system (I'm pretty sure, actually) but for whatever reason, I never got a fine. If I had been I would have owed that place more than my paychecks would've covered.

My point here is whether you're borrowing books from the library, money from a bank, or anything else that incurs interest or fees make sure that you stay on top of things to avoid paying more than you originally planned. If you're forever-late returning your books try digital books instead that just expire when your borrowing period is over.

Look, if your sewing supplies are this cute then fine, mend a pair of boxer briefs if it makes you feel better.

Look, if your sewing supplies are this cute then fine, mend a pair of boxer briefs if it makes you feel better.

9. Purge and Donate

It might seem counterintuitive to get rid of stuff for FREE to save money but sometimes it's easier to be ruthless when you're throwing stuff in the "don't save" pile if you're not trying to put a price tag on it. Either you love it, you use it, or you're going to use it soon and if not, it goes. Once you've donated your haul you'll feel a lot lighter, your home will feel cleaner and you'll feel less compelled to spend money trying to spruce up a space that just needed a little decluttering.

10. Check Your Energy Insights

Most gas and electric company websites will provide you with personalized energy insights. I check mine a couple of times a week during my morning coffee to see how much money we've spent on electricity that week and what our projected bill is. It helps keep me aware of, if nothing else, what I can expect for next month's bill and gives me a chance to correct any excessive usage by turning my washing machine settings back to cold or turning off Netflix and booting my kids outside for the afternoon.

How Do You Save Money?

What are your easiest, least time-consuming tips for saving money every day? Let me know in the comments below!

© 2017 Kierstin Gunsberg


John Dove on November 18, 2019:

I'm now looking even more seriously at ways to save money. Some of your "female" methods are of no use to me, but the others are helpful.

Fellow saver,

John Dove

Dina AH from United States on January 02, 2019:

Kierstin, you have such an honest and quirky writing voice (if that makes any sense). I am not a mommy and I am still learning about managing my life with my mental illness--and yet, this also clicked with me. I like the idea of frugality and using money wisely.

I do like your point about spending time wisely, too. I haven't really thought about it this much, but: time is currency. We could reevaluate how we spend our lives focusing on things that don't really matter in the long run.

I have not heard of Swagbucks and I am obviously going to check it out. When you mentioned Target, goodness. Why do you have to call me out like that, Kierstin?

I know this article is a couple years old. You, for sure, have a new subscriber on your hub page. Pleased to meet you!

Fin from Barstow on July 28, 2018:

well the part about reusing your feminine hygiene products or converting milk into cheese was not very appealing - you make some good remarks.

I've never heard of sawbucks but will investigate.

Using a library should save you money....i'm a former librarian myself.

And making a meal plan is always easier than it sounds....but you gave some good advice, the article is visually appealing and well organized.

I'll try and follow up on some of your suggestions.

Linda Bryen from United Kingdom on July 07, 2018:

Great article on how to save money Kierstin. Thank you for sharing your ways of saving money. You asked how do I save money. I save money by cutting or growing my own hair, growing my own vegetables and fruits and buying clothes and shoes from the charity shops or second hand stores. We also save money by cooking our own food and not buying takeaways which can turn out expensive. Ah so many more, I am like you if there's any way I could save a penny I will do it.

RedElf from Canada on May 09, 2018:

Saw your post in the forums and had to stop by. Great information.Love your style, too.

Gregory DeVictor from Pittsburgh, PA on April 20, 2018:

Kierstin, if you sign up to receive emails from DSW, they will give you $10 in credit toward a future purchase. I signed up for emails recently and used the credit to buy a new pair of shoes. Oh yes, the rewards program at DSW is one of the very best around. They even give you $5 or $10 in credit during your birthday month.

Kierstin Gunsberg (author) from Traverse City, Michigan on April 20, 2018:

Brian, that's a really good idea! Even with having the ability to check my balance through my bank online now, some purchases still don't clear or show up pending right away and I have to mentally balance that they will come out within the week and I don't have as much money as I think!

Brian Leekley from Bainbridge Island, Washington, USA on April 19, 2018:

Years ago, after paying checking account overdraft fees too often, I learned to add a cushion. When figuring my balance, I subtract uncleared checks and such to get the actual balance and then I subtract a $25 cushion to get my "spendable" balance. (The size to make the cushion will depend on individual circumstances.) Since starting that habit, I've very rarely had a checking account overdraft.

Kierstin Gunsberg (author) from Traverse City, Michigan on December 21, 2017:

Wow, that's interesting. I actually buy most of my food products in small sizes because I'm really picky about how long something has been opened up for.

Gregory DeVictor from Pittsburgh, PA on December 21, 2017:

For those of you who are Aldi shoppers, here is a reminder: To maintain price stability, Aldi is known to systematically downsize the size of their grocery products. For example, Aldi recently reduced the number of ounces in their jars of spices and seasonings from 4.25 to 3.75, while maintaining the same price.

Kierstin Gunsberg (author) from Traverse City, Michigan on December 20, 2017:

Eric, I think a less harsh version of this trick it to pick a song or two short songs you like and set those as your timer so it's less of a race against time!

Eric Farmer from Rockford Illinois on December 19, 2017:

The using a timer and saving money on water is something I need to consider myself. I use cash rebate applications when I can I love them. There are several things on mobile phones I also like.

Gregory DeVictor from Pittsburgh, PA on December 02, 2017:

Kierstin, free shipping is always a big plus!

Kierstin Gunsberg (author) from Traverse City, Michigan on December 02, 2017:

Gregory, that's good to know! I have two store credits cards and I especially love my Old Navy one. I can use it there, or any of the sister brands (including the factory outlets) and earn points. I also get free shipping with every order!

Gregory DeVictor from Pittsburgh, PA on December 02, 2017:

I need to clarify something about the West Elm Rewards Program. If you use a West Elm credit card to make a purchase at West Elm online or at a brick-and-mortar store, you cannot participate in the West Elm Rewards Program simultaneously. It is either one or the other. From experience as a West Elm customer, the credit card option has better benefits. For example, for every $250 that I spend at West Elm using their credit card, I receive $25 in rewards dollars that can be applied to a future purchase.

Kierstin Gunsberg (author) from Traverse City, Michigan on November 22, 2017:

Nice, Gregory! Thanks for putting that together! I'm totally checking out the West Elm Program because I love that and Pottery Barn and Pottery Barn Kids.

Gregory DeVictor from Pittsburgh, PA on November 22, 2017:

Here is a more comprehensive list of some of the best customer rewards programs. In alphabetical order:


California Pizza Kitchen


Dick’s Sporting Goods

Dunkin’ Donuts


Jamba Juice

Jersey Mike’s


Moe’s Southwest Grill

Rita’s Italian Ice





West Elm - This loyalty program gives rewards on seven brands including Mark and Graham, PBteen, Pottery Barn, Pottery Barn Kids, West Elm, Williams-Sonoma, and Williams-Sonoma Home.

Gregory DeVictor from Pittsburgh, PA on November 21, 2017:

I have always preferred Walgreens over CVS probably because I grew up with them on the West Coast. There is a CVS store in my neighborhood but I only shop there when the store-brand of cayenne pepper goes on sale. Generally, I find CVS’s sale prices higher than Target’s regular prices.

Kierstin Gunsberg (author) from Traverse City, Michigan on November 21, 2017:

Gregory, that's a really good reminder! My husband was just talking about how awesome the rewards deals are at Walgreens.

Gregory DeVictor from Pittsburgh, PA on November 21, 2017:

As I mentioned in one of my hubs, be sure to join every customer rewards program that comes your way. Some of the better rewards programs include Target, CVS, Walgreens, DSW, and Dick’s Sporting Goods.

Kierstin Gunsberg (author) from Traverse City, Michigan on November 21, 2017:

Hey, Rochelle, thanks for reading! Yes, I have been able to get great deals on pantry items online. I especially love ThriveMarket for healthier snack options (my kids like these funky dried bean crisps, go figure!) and shopping my local Sam's Club online for stuff my kids go through fast like goldfish crackers and chewy bars then having my husband go pick it up :)

Rochelle Frank from California Gold Country on November 21, 2017:

I already do a lot of online shopping, but think I'm going to try for more pantry and household products. I have noticed some pretty good sales and BOGOs on certain sites, so it makes sense. Glad to find your articles.

Kierstin Gunsberg (author) from Traverse City, Michigan on October 11, 2017:

You are very clever, Dorothy!! :) I wish I could manage with no dishes, yet there seems to be a constant stream over here...

Dorothy McSorley on October 11, 2017:

Time I've got. Eating lunch at the senior center for 3 bucks. I eat so much at the salad bar that I take the main course home and have it for supper. No cooking, no stove electricity, no dishes, no soap. Must have microwave.

Gregory DeVictor from Pittsburgh, PA on October 09, 2017:

Regarding how I donate books:

The Friends Program at the Squirrel Hill Carnegie Library has a special drop-off section in the back of the library for books, DVDs, etc. There are times during the year when they don’t accept donations such as between October 1 and October 19 because the volunteers are on vacation.

On Northumberland Street in my neighborhood, there is a “little free library box” in front of one of the houses that I pass every day. Generally, I just put the books that I am donating on one of the shelves. If the shelves are full, there are two other "free libraries" on Forbes Avenue which is about three blocks away.

Kierstin Gunsberg (author) from Traverse City, Michigan on October 09, 2017:

Gregory, thank you for reminding me about the Little Free Library! We have many of them in my town and I was just going to go through our books this week. How do you donate them - do you just stick them in or is there a more formal way of going about it?

Angel Guzman from Joliet, Illinois on October 08, 2017:

Feel free to look them up. You won't regret it ;)

Kierstin Gunsberg (author) from Traverse City, Michigan on October 08, 2017:

Thanks for sharing those, Angel! Of all of those, I've only ever tried Swagbucks so I'll have to look into the other five.

Gregory DeVictor from Pittsburgh, PA on October 07, 2017:

What caught my attention was your “Purge and Donate” section because I can identify with it. I’ve been downsizing my house for about a year and have donated over 50 books to the Squirrel Hill Library’s Friends Program as well as to a “free library” that I pass on my daily speed walk. It’s a win-win situation because my house seems emptier and I know that others might be able to use the books. Oh yes, I’ve been tempted many times to throw the books into my recycle bags instead.

Angel Guzman from Joliet, Illinois on October 07, 2017:

Viggle, Mobile Performance Meter, Swagbucks, Checkout 51, Shopkick, Check Points

Kierstin Gunsberg (author) from Traverse City, Michigan on October 07, 2017:

Thanks for reading, Angel! What apps do you use?

Angel Guzman from Joliet, Illinois on October 07, 2017:

Good tips. I use 6 Apps myself.

Kierstin Gunsberg (author) from Traverse City, Michigan on October 06, 2017:

Thanks for reading, Linda :) If you have any tips to add, I'd love to hear them!

Linda Robinson from Cicero, New York on October 06, 2017:

Hello Kierstin I really enjoyed your hub, terrific, it is filled with so much information helpful ways to save money and you are right ones that you won't really think about. Well done, interesting and amazing writer. Linda