Spend Time to Save Money – 4 Budget Friendly Tips to Live By

We’ve all heard the old adage that “time is money,” and in some cases it really is true. Think about the things you do in terms of an hourly wage.

Say you spend thirty minutes to save yourself $50 – that’s like making $100 an hour.

Saving Money

Sure, savings don’t amount to a steady income by any means, however, a penny saved is a penny earned. Right?

That’s why we’ve got some clever tips that can help you save a significant amount of money. The best part? All of them take a relatively insignificant small amount of time.

1. Research Your Credit Cards

First of all, if you’re using credit cards, they should be helping you save money. If you choose wisely and pay them off every month, they really can.

Say you’re currently using a card which has a 1 percent cash back bonus. Why not find one that offers 2?

Simply spend an hour researching cards to find one with no annual fee and a higher cash back bonus. If you spend $1,500 a month on that new card as opposed to your old one, you’ll earn $180 more cash back per year.

Viola, you just made $180 simply with one hour of research.

2. Negotiate Your Subscriptions

Did you get a great deal when you signed up for your satellite dish or cable subscription? Sadly, those introductory rated tend to expire and then you start getting charged the standard rate.

However, it doesn’t have to be like that. Often, if you call to cancel, they’ll negotiate with you. You’ll often get to continue receiving discounted services just so they can retain you as a customer.

We suggest doing this about once a year or whenever your rates change. It may take you 20 minutes or so on the phone, but it could save you a bundle.

3. Complain When Necessary

Few people enjoy confrontation, we understand. However, when something’s not up to par, it’s perfectly fair to complain. The key is to do it as gently and thoughtfully as you can.

The nicer you are, the more likely a company is to work with you. Often, you might be surprised by what they’ll do to make things right.

We’ve had florists grand refunds and send replacement flowers, hotels comp a night’s stay, and have received many free products.

While it’s unwise to abuse your ability to complain about things, you also shouldn’t settle for less than you expect.

30 minutes of time spent thoughtfully complaining can honestly save you quite a lot of money.

4. Find a Coupon

Coupons are surprisingly easy to find – and quickly. When you’re planning on buying something or going out to dinner, do a quick internet search. In less than five minutes, you could very easily find a coupon that’ll save you a few bucks.

Say you want to buy a decorative piece of home décor that costs $20 at a craft store. By going online and looking for coupons, you could find one for 40% off.

In a minute or less, you’ve just saved yourself $8. That’s the equivalent of $480 an hour right there.

See how worth it that was?

Have you got a great money-saving tip you’d like to share with us and our readers? Scroll down and let us know in the comments!

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