12 Money-saving Hacks To Simplify Your Financial Goals

In today’s society,  finance has become a complicated issue in our daily life. Things are becoming incredibly expensive, and we need to know some money-saving hacks to live a peaceful life.  

So, we need to do our best to save money and invest in controlling our finances! Here are ways and money-saving hacks to take control of our finance and simplify our living.

The following are 12 money-saving hacks that will help you reach your financial goal so you can enjoy the true pleasures of life.

1. Use Money-Saving Apps

Our mobile phones are handy these days as they can be used to save money. There are apps you need to download on your phone that will help and save you money.

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Furthermore, there are many mobile apps out there, like Ibotta, Ebates, Dosh, etc. These apps can be used when shopping, and you can get rewards or discounts when using them.  

These apps reward you for shopping regularly, help you earn cashback,  automatically apply coupons to your order. They make it easy to save money on the things you already buy.

Check out the Top 5 Awesome Money-Saving Apps To Use In 2020

2. Pay in Cash

Carrying your credit cards around is the easiest way to spend more money. Research shows that you are likely to spend less if you pay in cash rather than a credit card.

Furthermore, there is a tendency that if you carry a credit card around, you will swipe it if you see anything you like; but if you have the exact cash with you are likely to let go.

This will save you from making unnecessary spending and save you money in the long run.

3. Build Your Credit

We all know how important it is to build up our credit. Whether you have good credit, fair credit, or bad credit, you need to keep working on it.

A credit score is used to determine so many things; you need it to apply for a loan, buy a house, or even get a car.

Many loan lenders use your credit score to evaluate if you qualify for a loan and at what interest.

Recently, utility and insurance companies have started using credit scores to evaluate your monthly premium.

Get help and repair your credit with Credit repair.

4. Brew your coffee

Do you always start your day with a cup of coffee?  Do you visit your favorite fancy shop every morning?

Instead of spending $4 per cup at your fancy shop every day, make your coffee at home. You can get a reusable coffee bottle and use it every day.

Ditching your fanny coffee shop is one of the best money-saving hacks you need. Doing this will save you tons of dollars every year – brewing coffee at home will help you cut costs to $0.25 per cup.

5. Buy a Water Filter

According to Beverage Marketing Corporation (BMC), the average whole price for bottled water was $1.11 in 2016 and increased more. Bottled Water Costs 2000 times as much as tap water. You should consider buying a water filter at home and save money.

Buying water filters in your house will not only save you tons of cash, but you know how the water was processed. Springwater is good for you, but I bet filtered water is better.

You will be amazed at how much you are spending on bottled water yearly if you evaluate it. Lastly, it would help if you track your spending for a week and then multiply that number by 52 weeks. The amount is overwhelming.

Another alternative is to buy a reusable bottle for $10 and refill it with tap water and use it for a long time.

6. Drink Water Before Eating

The easiest way to get full while eating is to eat water before eating. This will not only save you money on meals, but it’s also good for your health.

Most people are always overfed, so drinking water before eating will consume little food and what you need.

This will also help with digestion and help you feel fuller, one of the best money-saving hacks on food.

Do not mistake thirst for hunger and overeat.

7. Exercise Daily

As the saying goes, health is wealth. Daily exercise will help you in so many ways and can save you money in medical bills.

You can take a daily walk around your neighborhood or visit a nearby park to exercise. This will limit your visit to the clinic and, in turn, reduce your medical bills.

Also, check out these 16 Legit Apps That Pay You to Walk in 2020.

With these apps, you can earn money while exercising and being healthy.

8. Buy Generic Product

We all like the big-name brands and what comes with them, but we forget that most of them are just the name and nothing else.  Buying generic is a great way to save money on many great items.

The generic brands carry the same ingredients as household and popular products.  This money-saving hack will save you thousands of dollars yearly.

9. Lower the Brightness on the TV and Computer Screen.

Most of the time, we forget to do the little things that will save us money. Lowering your computer screen's brightness and TV will save you money on energy bills and help your eyes.

This can help reduce your power consumption by 40%, which in turn will save you money. This will also help with the battery life of the products, and the product will last longer.  

Too much charging will also cause overhead in your product. So, lower the brightness of all-electric devices in your home.

Check out 50+Frugal Energy Saving Tips to Lower your Utility Bill and Save Money

10. Clear Your Browsing History

Does clearing your browsing history help with store data? The answer is Yes. Whenever you use the internet, most of your data and history are store on the computer. That is why you keep seeing an advert on items you browse through all the time.

So clearing your browsing when shopping online and comparing prices will help give you fresh data and prices. Most companies follow your search history and will increase prices based on this information.

When you clear your browser history, you will be seen as a new customer as they are usually offered the lowest prices.

11. Make Large Purchases at the End of the Month

Most companies have a target to meet per month, so they are likely to offer a promo discount if those targets are not met. So if you wait till the end of the month to make large purchases, you will save some cash.

This is usually done to meet the required target for the month. Tip: This is usually done among car dealers.

12. Ask and you shall receive

There are so many companies out there willing to offer free products for promotions. They want you to ask them or email them to get the offer. So, go ahead and ask this will help you to save money.

You can work with phone companies, internet providers, gas companies, and even credit card companies.

Also, ask for discounts and promotions all the time, and you will be amazed at the offers available.  Always ask for ways to lower your cost, and in turn, you will save some cash.

Here are 25 Best Coupon Websites To Save Tons Of Money


Make simple changes in your life and gain control of your finances and live a comfortable life.

You can reduce, if not thousands of dollars from your annual expenses by learning a few money-saving tricks and tips.

These money-saving hacks will help you reach your financial goals in the long run.

Do you have any money-saving hack you are using? Do let me know in the comment section.

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hacks to save you money

Michael launched Wealth of Geeks to make personal finance fun. He has worked in personal finance for over 20 years, helping families reduce taxes, increase their income, and save for retirement. Michael is passionate about personal finance, side hustles, and all things geeky.