21 Creative Ways To Save Money Starting Right Now! | Clever Girl Finance

[@loriflores1907]

I LOVE that you said to get your books from the library. You are speaking from your heart not your pocketbook. I am a new subscriber, glad to find you!!

[@claudine5721]

Some things that I do to save money 1. Check out books from the library. 2. Get my paycheck to be sent automatically to my saving account instead of checking account. 3. Make a list of exactly where I want my money to go. 4. Thrifting shopping. 5. Weekly- daily bank account check ins.

[@GratefulDeb270]

Live on cash. No cards. Payoff debt. ❤ Love my library… books & ebooks!

[@Jaz-px5pr]

While watching this, I have done some re-evaluating on what I can do to save more money. 1. Taking snacks with me from home instead buying food while out running errands. 2. Checking my bank weekly or daily 3. Automatic savings 4. Going thrifting or to low bargain/ discount stores. 5. Being mindful where I drive (Since gas prices are so high, I will try to get everything that I need for the week and when Im driving to an area, I will make sure to get everything that I need from that area as oppose to driving in that area multiple times a week. Thank you! This video was really helpful and right on time♡

[@Clevergirlfinance]

These are great!!

[@ms.rivera7898]

I get my nails and eyebrows waxed/tinted once a month. In-between I make it work on my own. I’m looking for ways to do something cheaper with my hair. Wigs are cool, but it’s too hot here in FL. And I workout a lot. I just wanna cut it all off, but I will try to find some cheap braid styles that will last me. And for these things, I am saving a percentage each paycheck in a separate account, that way I have it when I am ready to get my hair/nails done. I am cooking more at home. Got the cheapest phone plan. Definitely want to declutter and sell some stuff.

[@KevinEdude]

Getting you hair done at a school (Paul Mitchell, Toni & Guy) are ways to save money. The services (they also do colors, perms, hair straightening, etc.) are supervised by a licensed, experienced instructor. Libraries have DVDS, blu-rays, activities (pj story time, chess matches, author readings, movies, lectures, etc.).

[@pamk1967]

I always do my own hair and nails. Great tip for everyone 👍🏾 💕

[@Tayashabossingupjourney]

Great content your channel is a Blessing

[@Clevergirlfinance]

Thank you for being here

[@sandramish2229]

Nice content Bola I'm glad I found your channel! I don't know who needs to hear this, for me saving for a better investment is a great step. You're saving a day off work

[@phillawson5785]

Great words I'm very interested about Saving and having my money grow

[@Clevergirlfinance]

thanks for being here!!

[@georgenoah4872]

Best advice of the year yet! You've made so much point! Saving a day off work is the best step to financial freedom I would really love to get started

[@sandramish2229]

@@georgenoah4872 yeah it's has been helpful to my general income, I make an extra 2k weekly from my investment portfolio

[@georgenoah4872]

@@sandramish2229 wow that's awesome I'm really excited about this, how do I get started?

[@kimberlycoltrainrsrccr2626]

My mom showed me one stitch when I was about 6 to don my thick tights for those NY winters. Over the years, I've found dresses at thrift, consignment shops & retail stores that may be one size too big and I just take in the sides or move the buttons. I don't buy fadish clothes/all my styles are timeless (tank dresses I can layer or skirts that flatter me but don't cling, etc,). When it comes to summer dresses, I don't even have to think when I find a sundress that may be too big. I can take in the straps or ruch up the sleeves with the same simple stitch. I was also hired to hem up the waiters for my kids 240+ kid hs marching band. I made almost $300 a season😊 I remember taking my kids to the free Wednesday movies during the summers (I work for the school system so I had the whole summer off w my kids. No daycare to pay😊) and they would take their snacks in their backpacks so each had their own). Then throughout the summers, in addition to events like VBS, I'd call ahead to the utility companies for a tour of how things work. I figure, if I'm paying for it, I might as well find out how it works right?😂 We've had a "Mommy a daycamp" field trip to the electric company, the water reclamation center (not at all gross, VERY interesting!), the gas company, the sausage factory, behind the scenes at the recycling center where they make paper from recycled stuff, and one of the BEST ones was to the Mayfield dairy where when you're done, ALL double scoops were $1! We've been to nature preserves where we get to see wildlife behind glass like a zoo but it's free because it's through the school systems so it's just a donation & open to the public, and afterward we would go out to the picnic area and eat our packed lunch. I also signed them up for community center and the YMCA activities like swimming, karate & ballet which usually came to less than $20 per kid for a month but you have to start looking around spring break to get your name on lists early. I kept a blowup pool on our deck so I didn't have to schlep all the pool paraphernalia to the public pool which had NO SHADE and life guards were only on certain days so it was always overcrowded on those days. I just covered our pool with a tarp if it rained. We also did reading challenges at the library and they earned prizes throughout the summer. I'm also a life long brown bagger and have incorporated bringing my breakfast AND snack within the last 15 yrs. I had a weakness for the banana bread and the fancy overpriced teas, so I started making my own banana bread, and then I could crush up trail mix and add what I wanted to it. And for the tea I could go to the farmers market and get a whole box of the so-called exotic blends and steep them at home. Now my banana apple/ apple pumpkin, yamapple breads always available whenever I want and I love that I know what goes into them😊 I bought small containers from $$ store and have everything from fresh fruit & veggy slices, my full meal of rice & peas & chicken or fish, my salad with all my fixings, even smaller ones for my yogurt and my trail mix & a breakfast bar, little fruit cups of applesauce & jello & maybe a little sweet treat of a piece of cake in the smaller one. I keep bottles of water in my, and I make a fresh fruit pressed smoothie most evenings to take with me the next day. A bag of frozen fruit, no sugar added, from the grocery store for $7 gets me about six smoothies a week. That's a dollar per smoothie compared to the $8.00 that is from a mix from some store that I had to wait on line to get and the cup is way too small for my wallet 🤣 This way everything is portion controlled and it keeps me from stopping my fast food if I'm stuck in traffic home because I always have something extra to snack on. I still have enough room to put an icepack on top & it's not at all heavy. My co-workers call me the little grocery woman 🤣

[@Katie-dy7zx]

All solid advise! I’ve been doing most of these already though impulse buying, while greatly reduced, is my Achilles heel ☹️. For me, in terms of saving, reducing on groceries and alcohol saved me at min $300/mo. Saving money is still difficult for me but not trying would be devastating.

[@kenyonbissett3512]

You are amazing! Something that helped me on my journey was to turn saving money into a game in my mind. Like a board game or video game. Keep it fun but serious. Assuming you are in America here are some things I do. Menu plan: list meals you (family) will eat, try for 14-28 (but don’t stress to get to 28). I started with favorites and then did it by country (Mexican, Italian, Chinese). Try for inexpensive easy meals. For me I chose: meatloaf, chili, tacos, fried rice, oven potatoes-onions-green peppers-sausage, spaghetti & meat sauce, mac&cheese, pizza. Easy 7, lol. You can get away with 12/24 by having a leftover night. Some make it simple with Meatless Monday, Taco Tuesday, leftover Wednesday, Pizza Friday; 4 days done. Next, work towards getting ingredients at your cheapest price. My goal is to feed a family of 4-6 for less than $5 total for dinner. I prefer $3. Example: pizza was make it yourself, store brand biscuits - roll with a straight edge water cup/glass, spaghetti sauce, shredded cheese, leftover scraps for toppings. Some many benefits to family having fun making/assembling their own. Sale biscuits, sale spaghetti sauce, sale shredded cheese, toppings from veggies throughout your cooking week, same with bits of meat meals; remember pizza requires very little to sprinkle across a pizza. Have fun! 1. Use phone app FLIPP to view all grocery ads in the area. Use the search function to compare sale prices for you, saves time & effort. Make your store list. 2. Shop multiple stores for loss leaders. Go only to aisles with what’s on sale on your list. Do NOT shop the whole store. Put on your blinders, imagine everything else is a vipers pit in you game. Lose points ouch. 3. For 1/2 price or BOGO sales buy 2 to build a pantry of 2 weeks or 1 month or 2 months. You will be less stressed with extras if an emergency happens and you can use that pantry/freezer to feed your family. Best wishes as you take this journey!

[@weyustyle]

I live in the library ! Free books always . Light clear gel manicures so it last for a long time . Meals planned 😊I really enjoyed . I love clear conscience, numbered , strategy. Feel calm watching your videos .

[@valeriesmith9408]

Great video, your channel is keeping me motivated to make good money decisions. The methods you mentioned that I've used are to mend/repair things instead of replacing, have automated savings, library user, negotiate on expensive items and kept a spending journal.

[@Drhuntley]

I recently got into the youtube financial niche, and I’ve taken a deep dive into investing, particularly in stocks, and ETFs as they interest me. Tried several methods trying to figure out the best approach to building my portfolio. So far, I’m making progress with the help of an astute fiduciary. I’ve been able to compound over $78k in profits from my trades. Back to the video, wonderful job there, always look forward to your next content.

[@Niveen175]

I have a day job but I’m trying to invest on the side. I started earlier this year and tried investing myself too but I got burned. Lost my capital. How did you go about yours?

[@Drhuntley]

@@Niveen175For me, as someone who has lived through the 9-5, what comes to mind first is the safety of my funds, With the help of a pro financial advisor, Herman W Jonas, I’ve gotten into stocks and fx, splitting my funds in different assets that have brought me huge roi. I just reinvest and grow my portfolio.

[@OlineFarms]

From the your comment, I instantly knew that you have good technical understanding, and experience of investing! Professional help can never go out of style because you have an advantage over others.

[@Allambeecairns]

Thanks for the recommendation. Is he taking new investors? As I also want in.

[@Rubyruby287]

I have paid off my mortgage, and have enough saved in my emergency fund before hitting 40 next month. And by God’s Grace I invested two-third of my salary in stocks, ETF, and bonds. Over time my investments have yielded a little over $92k with Sir Jonas’ help. Looking at building a robust retirement in 2 to 3 years time.

[@PurpleRose8725]

When you watch an extreme frugality video and already do all but 2, 1 of which you have a more frugal way for. ❤

[@lisapitts9518]

This is my first time listening to you, great video! I am so glad I found you. In 2012 I went on Disability, which meant making one third or less than what I made working. I learned real quick how to set priorities. Fast forward, my partner is 66, he will retire some day in the next 5 years. We are currently buying a home that we plan on paying off in 10 years or less. We are on the same page when it comes to frugality and managing our money. Rarely do we make a purchase unless it is on sale or we have a coupon. It is all about being smart with what you have.

[@apronacres7292]

Cost per wear or use is excellent and can help you decide to spend more money on a higher quality item if you're going to wear or use it often rather than a poor quality item which may not stand up to the stress of use. For example, a winter coat you wear to/from work five days a week or more, all winter, for several years is worth spending for quality to last vs a winter coat you only wear to special occasions/a couple times a month during winter so a less costly coat could work .

[@Clevergirlfinance]

Agreed!

[@agnieszkakarasiewicz1106]

Thank you for these reminders. I have implemented most of them in my life and the favourite ones are number 20 - very effective in keeping us on track and number 21 :)

[@Clevergirlfinance]

Wonderful! Well done.

[@annaahebwa4646]

Great info keep it up

[@SuccessWithSam]

Hey Bola! I would love to see content on how you started such a successful blog website, and how you monitize from it etc… That would be a great video / series

[@paulafleming3889]

Have been narrowing down my wardrobe and have solid pants skirts more patterns in tops. I have so many pieces for work. That's is it this is cutting down on my wash.

[@TheImperfectReader]

I am SO proud of you. Great job on the books.

[@realnaturalist9932]

Some other options: Thrift/consignment shop Car pool or public transport a few days a week. Shop at open markets for fruits and veggies Barder or swap / trade for items.

[@Clevergirlfinance]

Love your tips!

[@CoolStorytellersLounge]

I love the library for this reason! And I enjoy second hand clothes and thirft shopping ❤ I prefer to drive myself where I need to go so carpooling isn’t an option. But these are all great tips.

[@Clevergirlfinance]

Love that! Thanks for sharing!

[@JAH-iu3yh]

My momma had NO shame about bringing a pooped at home bag of microwave popcorn, juice boxes & fruit snacks into the movie theater for us back in the 90s.

[@Clevergirlfinance]

HAHAH!

[@dorcasmbuve3205]

This is great! Save, save challenge thanks for the message

[@ScarlettThunder]

I love the library!

[@azuretate685]

Im a new subscriber. Love you and your tips

[@Clevergirlfinance]

Thanks so much for being here!!! ❤️

[@powellkatie123]

always looking so beautiful Bola 😍 great tips

[@Clevergirlfinance]

Thanks so much!

[@tyresseferguson2462]

I have 4 crayon banks that I use to collect each coin denomination. Once each bank is filled, I will take it to my bank to deposit it into my account since they have a coin counter which is free. I completed 3 money savings challenge this year alone. When it comes to streaming services, I have the major ones but wait for my phone carrier to offer a free subscription for a year and then cancel right before the year is up.

[@Clevergirlfinance]

Love it!!!!

[@moneywithjustliving5258]

Good Morning, I am a new follower of your channel. I love this channel. You are a wealth of knowledge. Thank you.

[@sissyb576]

I love, love, love these videos!👏 Very simple just takes discipline. I'm gonna start that spend journal and do the no spend for a month challenge.

[@judithrobinson8344]

Great tips, I have decided to do my nails and colour my hair, only going to the salon for a cut x

[@Clevergirlfinance]

Love it!

[@JustMe-kg3xc]

#12. Most movie theaters do not allow you to bring in your own food and drinks; this is because they generally don't make much of the showing (the cost is outrageous). Their profit is from the concessions. Don't bring it in if it's not allowed.

[@Marsolan]

Great video. The ziplock part will not work for me as I know the credit card number and can by online :)))))) but oh my god I should really meal plan

[@Clevergirlfinance]

Yes definitely try meal planning!

[@andreastiller8621]

Cancel your old card. Get a new one and freeze it!

[@nataliepyn1]

Don't pay the machine to count and sort. They charge almost 12%. Check with your bank or credit union, they may have a counting machine available to their customers.

[@yolopattli]

For the movies, we take the kids in the matinee and always purchase the tickets in the movies. We save the online fee. With a friend, we have a system to bring candy, pringles, and juice for our kids. We buy together a big popcorn 😂

[@Clevergirlfinance]

I do the same thing haha!!

[@suzanneweaver7579]

Great tips!!! We use 3M hooks and hang a couple hand towels on our kitchen cubbards by the sink to use instead of paper towels; I grocery shop once or twice a week using their online app because Im aware of what I am spending and I don't impulse shop because I'm not in the store; I use a weekly envelope system using colorful small envelopes from amazon. They keep me aware of how much I'm spending and they are cute to look at; I have a weekly budget; I make a weekly menu on a white board on my frig; I decluttered my house and was able to sell several things on fb marketplace!! We have a really nice local library that we visit a lot. It saves soooooo much money!

[@Clevergirlfinance]

Loveee these tips! Thanks for sharing!

[@kristinapaxton9686]

When I take my little brother to the movies- we have a rule it's got to be 3-d or 4-d or we are not doing it. Otherwise we can just wait til it comes out on Netflix or Disney+

[@Woke365]

I saved 20 thousands dollars in my blue water bottle, from last year til now. I live rent free. Saving to buy a two or three family house.

[@soniamerritt5278]

Thanks for sharingthis for the younger generation

[@laurawharton2836]

LOLOL!!! Take a big bag to the movies!!!!!! Oh no!!!!

[@Clevergirlfinance]

😂😂😂

[@marlac7235]

Hey Bola n team!

[@esthermutua1287]

Thanks alot Bola 💥💥💥 for this tips informative and amazing looking forward ⏩⏩⏩❤️❤️❤️❤️

[@Clevergirlfinance]

Thanks for always being here!

[@esthermutua1287]

@@Clevergirlfinance welcome 🤗

[@dudanunesbleff]

Do your own nails, cut your own hair, wash clothes only when or if they are dirty instead of after daily use, hang the clothes to dry, do reverse meal planning, turn down the AC and use heaters and fans, cut the subscriptions.

[@beewell1666]

Great site!

[@jodiweiss8705]

Great informative video! Glad I caught it--I just subscribed!

[@honorineoussou7686]

Wow thank you you’re so smart and so cute

[@princessshermione8630]

Great video

[@evenatandnico3771]

Great Video Mme Bola ... love love love

[@Clevergirlfinance]

Glad you enjoyed it!

[@ipsilonia]

extremely helpful and comprehensive vid!

[@Clevergirlfinance]

Glad it was helpful!

[@MOTIVATION4MOFFICIAL]

Nice video! Too many people spend money they earned..to buy things they don't want..to impress people that they don't like. -- learn more

[@journey2health280]

I am in the process of buying a house. After signing a contract with the building company and getting approved for a home loan, I realized that I wouldn't be able to afford the monthly repayments plus other bills. I spoke to the agent about it and he got me a discount

[@Clevergirlfinance]

Well done for asking!

[@lindanizamoff7981]

If I buy something on my credit card, I pay for it right away. This way it comes right out of my account, and I see the bank account number go down.

[@IsaroBururu]

Bola ♥️♥️

[@allthingswholesome338]

I have moved to a cheaper rental apartment,I have a saving money challenge and I do my hair, wax myself and plan on doing my nails soon.

[@IsaroBururu]

@@allthingswholesome338 way to go girl!

[@allthingswholesome338]

@@IsaroBururu Thank you

[@Clevergirlfinance]

Well done!!

[@africangirl189]

What are we saving now? Just wondering as Jobless as I am ... salaries in my country big joke

[@Shoksjr]

Hmmmm… I was randomly searching on saving money… and I may just have found my cousin 🤔

[@49lucky]

I only buy in the veggies and fruits aisle. I got rid of all my subscription. I'm selling my closet as we speak on eBay. But my hair and nails nope I have professional people do it I went to long doing it myself 😂😊😂 to funny.

[@Clevergirlfinance]

You are doing great!!

[@anitha9121]

Sis, is it not illegal to bring snacks to the cinema??

[@Clevergirlfinance]

🤣🤣🤣

[@Clevergirlfinance]

Frowned upon yes - not illegal lol

[@ritalynb7070]

where I live, you will be removed from the theatre if you get caught bringing in outside foods..... You can even be banned from the premises. We just don't go to the theatre.

[@CharlesBarnett-y7w]

can we be friends?

[@NaAisa]

Great tips! Thank you so much for sharig 💫

[@wonder219]

These are very nice tips. Some of the things that help me save money are; *Doing my own hair * Don't own a tv hence no TV subscription. Wifi allows us to watch literally anything we want online *Grow our own herbs and veggies and get a free full bag of spinach from mum weekly 🙏 * Rarely eating out . * Buying clothes and shoes when needed I would also add the grace of God is my number one money saving driver. You can see the lord's grace in the following and more 1. Emergencies happening when you are not broke 2. Good health for many years which means minimal amounts spent on health care 3. Educational scholarship 4. Paid study leave 5. Local and foreign paid work trips 6. KZbin popups of clever girl finance and other personal finance channels to help you with making, saving and investing money. 7. Opportunity of living rent free for some months or years 8. Good money generating investment deals popping up unexpected. 9. Being saved from a swindler. The list goes on..

[@Clevergirlfinance]

Thanks for sharing!!!

[@jamestidmarsh4913]

I 'round up' my mortgage payment to the nearest hundred. I let this go on 'automatic' this knocks down my mortgage balance. Pay yourself first every month. Again let this go on Automatic. The money builds up. Take a packed lunch to work to save money. Use bath water to water the garden and clean the car, I saved a lot of money doing this. Overpay credit cards and bank loans to save money. 'Round Down' your Bank Account, that is take the last figure of your balance ( e.g. £5 ) and move this ( via Banking App ) to a 'dead account' I.e. account not in use. The money builds up over time. After making the big payments at start of the month divide your remaining Money into the days left giving you a 'daily allowance' I.e. Budget. These are just some of the things that I do. It all adds up. G ( UK ).