How do you save money when you have none to spare? Today we cover 5 easy frugal living tips and ideas to help you save money and live better, even when you have no money to spare (along with money earning tips and ideas).
Trying to save money when you have none is like trying to change the course of the Mississippi River.
The task feels impossible and yet, you can’t escape.
I want you to know you’re not alone in feeling this way.
There are so many of us (myself included) who are walking alongside you in our quest to live simply, save money, and find that perfect balance of happiness while fighting off the stress and worry of not having enough money.
There was a time in our family’s life where my husband took a huge pay cut in his job. We never wanted this to happen, but there we were.
The tips I’ll be sharing with you today are those things I have used with my family. I know they work, and I know they’ll help you in your situation as well.
Are you ready to learn how you can save money when you have none to spare?
I know you’re going to love this list.
5 Tips to Save Money When You Have None to Spare
1. Make Food From Scratch
“I thought you said I was going to love this list?!” And you will. I’m not talking about making ALL of your food from scratch (no pasta dough rolling or butter churning here. You don’t have time for that in your life with everything else going on.)
But, there are certain foods you can make from scratch that will save you a TON of money.
You can start by making your alfredo sauce from scratch. All you need is butter, flour, and milk. Seriously, just three basic ingredients and you are making delicious alfredo.
Other foods you can make from scratch include waffles and pancakes. The best part is you can freeze them to eat on those hectic mornings.
2. Buy What’s On Sale
To take advantage of this tip, you’ll definitely want to prepare and plan your family’s weekly menu ahead of time.
You can easily do this by purchasing food items that are on sale and making meals from them.
For example, if peppers are on sale then plan for a fajita night or you can also buy some rice and plan on making cooked stuff peppers.
You might need to flex your creative muscles a bit, and if you do, have some fun with this opportunity. This is one of the few times you’re going to be cooking on this tightly extreme budget.
And if you feel a little lost and not the creative type, involve your family in the meal preparations as well, especially your older kids. Invite them to plan a healthy meal for your family using as few ingredients as possible.
(This will be perfect for when they leave home to work or go to college).
3. Be Mindful Of How Much You’re Using Around The Home
Be willing to turn off the lights, use less hot water, wash dishes by hand, and do all that you can to cut your electric, heater, and water bill.
I know some days might feel like you’re saving pennies, but I do promise that pennies add up.
If you’re still struggling with your energy bill and you feel like you can use some extra help, there are energy assistant programs in each state. Benefits are decided based on your household size and income.
I know government benefits is a very taboo subject to talk about, and there are people with very strong opinions in regards to them.
I’m not here to debate this topic as the Home Faith Family community is here to love, support, and encourage everyone to strengthen their family and faith.
But, I will say, that if you know you’ll only be using the benefits for a short time and especially if you have small children at home, do it for them.
No couple ever has children in hopes of one day becoming poor. You marry and have children in the hopes of a better future. And you do everything you can with furthering your education, finding honorable employment, but sometimes life throws a curveball at you.
As long as you do everything you can to save money when you have none and look for better future opportunities, then there is no reason you should be where you’re at currently in the future.
4. What’s Your Talent?
Do you have a sewing machine, a food handlers card, or do you have a ton of stuff laying around that you don’t use? Are you really good at writing, editing, excel, or any other computer program?
If so, you might be able to hire yourself out and earn some extra money.
You can easily take advantage of the resources you currently have by making and selling crafts (this one is perfect for the lady who has a ton of fabric laying around), become a virtual assistant or freelancer, or hire yourself on Upwork.
There are websites such as CraigsList, eBay, and specific Facebook groups that you can sell your crafts, random items, and baked goods. (You’ll want to check each site and read their policy about baked goods. I would disclose the fact that you have a food handler’s card as well).
5. Serve Others
The last thing you can do is to serve others and maintain a positive outlook.
When you’re able to maintain an attitude of gratitude, you’ll be able to see the blessings you have in your life a lot clearer.
And by serving others, you’ll be putting your trials towards the back of your mind by helping to ease the burdens of others.
The one thing I love about service is that it seems to come back around again. When we are serving those around us, such as our neighbors and friends, it seems like we are blessed far more than by what we give.
As you learn to save your money by making certain foods from scratch, buying food that’s on sale, cutting your electric bill by turning off lights and using less water, selling items on the side, and serving others, you will begin to save money when you feel like you have nothing to spare.
Remember, the situation you’re in today won’t last forever.
I don’t know how long you will feel like you’re pinching pennies. But what I do know is that you can take control of those things in your life that you have an influence over.
You’re not as helpless as you feel or may think.
There are events in your life that you can learn how to act upon, or react to. And you want to do everything you can within your influence to make your life that much better.
Above all, I hope you learn this lesson. Money is a good thing to have, but if you’re looking at money as a catalyst towards your happiness, you’ll sadly be disappointed.
So while today you may feel helpless and in the dark, be of good cheer.
Take control of those things in your life that will help you save money, and do your best to maintain an attitude of gratitude because a beautiful sunrise always comes after it’s darkest at night.
How do you save money when you feel like you have none? Leave a comment below and let us know!