1. Pay Cash for Your Car:
Avoid monthly car payments by paying cash for a used vehicle. While it may be older, it’s reliable enough to get the kids where they need to go without adding financial stress.

2. DIY Personal Care:
Save money on personal care by staying home and doing it yourself. For example, you can buy a pack of four lashes for just $10 and nails for $5. I also cut my husband and son’s hair, which saves us a significant amount. When it comes to beauty products, I stick to affordable drugstore brands for items I use regularly, like foundation, concealer, and lip products. I do splurge on quality eyeshadow palettes since they last a long time.

3. Smart Dining Out:
When we eat out, we make it a habit to look for deals, menu hack, and share dishes family-style. This approach allows us to enjoy dining out without overspending.

4. Shop at Thrift Stores:
Thrift stores aren’t just for clothes! They offer a wide variety of items at unbeatable prices. My best thrift store find was a pair of aged denim jeans that cost me just $17—yet they’re worth $250. Always check out thrift stores for hidden treasures.

5. Monthly Budgeting:
Using a monthly budget is key to managing your finances. I recommend using a template from JoshuaMileham.com to track your income, savings, debt, and spending. This tool helps you stay on top of your finances and make informed decisions about how to spend your money.

By following these five money-saving tips, we’ve been able to maintain our lifestyle while navigating the ups and downs of the current economy. I hope these strategies help your family too!