Are you looking for ways to save money, but you don’t want to get another job? Well, I’m about to tell you a little story and the 10 ways I found to save money in 90 days that were easy to implement.
Has this happened to you? You use your credit card to buy things online and your debit card to buy things like groceries. You think you’re not going over, but when you look at your debit account, there is $20 bucks left! And, when you get the notice from your credit card company….you owe $1220.00!!! Seriously? This just happened to me. I don’t even recall spending this money, but my accounts sure say different. Now, I need to find a way do to pay off that credit card.
This article is about how to find $1000 in the next 90 days.
* This post contains affiliate links. I will receive a small commission, at no extra cost to you, if you purchase through my links.
1. Open a new savings account and you get $50 bucks for free!
This is for real! Tangerine is what I would call a sister company of Scotiabank. If you are trying to save money, but having trouble finding ways, this is the easiest. If you sign up before October 31st, 2018 and you use my Orange Key is: 46012150S1, Tangerine will give you and me $50 each! All this just for opening a new account, which you would have already done because – you’re goal is to save $1,000 in the next 90 days right?
The only catch, which is really not a catch, you need to make an initial deposit of $100 or more before they will deposit the $50 Bonus. After 30 days, you can take your $100 back out and put it elsewhere, but why would you? Aren’t you trying to save for something i.e. a trip, pay off debt, start a retirement savings, sign up for online training, attend a conference, go to a concert, or down payment on something? Whatever it is, no other bank is giving money away! And, it’s legit because I have an account.
To get the $50, you must sign up before October 31st, 2018. Click this link: https://www.tangerine.ca/en/index.html and please use my Orange Key 46012150S1.
BONUS: I want you to succeed. If you use my Orange key 46012150S1, I will give you an extra $5 just for using my Orange Key. Email me your confirmation that you created an account and I will send you the eTransfer right away. You don’t have to wait the 30 days for my part. Email me at firstname.lastname@example.org.
To recap, you will get $50 from Tangerine and $5 from DreamBigSpendSmall.com for a total of $55 just for doing what you said you were going to do – find a way to save $1,000 in 90 days. Now, only $945.00 left to find.
2. Stop automatic withdrawals.
There may be automatic withdrawals that are coming out of your account that you forgot about. An example I have, I owed back taxes. Yes, it happened. I was working in Quebec and living in Ontario, but my employer hadn’t taken any QC taxes off my pay. So, I now owed money. They agreed to allow me to pay it monthly for 12 months, but when the final amount was paid after 12 months, they didn’t stop the payments. In fact, it took them 2 more months to stop. And they didn’t pay me interest like I had to pay them! Check your bank statements for the last 3 months to see if there are payments coming out that you may have forgot about and put a stop to them. Otherwise, you will be losing money. They will not call you…ever!
- Cell phone plan (If you purchased a 2 year plan, be sure to see when your cell phone purchase will be paid off. Mine is done August, so I will be paying $15 less, which means that money is going into my savings = $60)
- Gym membership (there are new gyms that are $10 a month versus $36 every 2 weeks! = $280)
- Car payments
- Online learning ( I use to pay $12 month, but they offered me a deal for $70 for a year! =$74
- Fabletics or Justfab (while they are great, you may be paying for things you are not using)
- Internet service (I just switched and saved $
- Credit Card (some people put their payments on auto pilot)
- Mortgage (your mortgage may be up for renewal. Check to see if you can renegotiate, but – put that money you were going to spend into the savings!)
- Insurance (car, home, life, medical)
SAVINGS = $60 cell + $280 gym + $74 learning = $414! And that is only 7 days into the 90 days!
3. Get paid to buy stuff online…and get paid for it!
Do you buy stuff online? What about Groupon deals? Well, Ebates has the places you shop already listed on their deal site and they will pay YOU just for shopping. Which means you could get your deal from the stores PLUS, eBates will pay you CASH for shopping. I bought a dinner date for my man and I and saved $17 – plus eBates gave me 6% cash back in my account.
I have already made $12.29 just for buying things I was already buying i.e. Groupon deals.
If you sign up for my Ebates.ca referral link, I will give you $5 again, just for signing up!
Check out Ebates.ca! It’s a great website that actually pays you Cash Back every time you shop online and it’s free to join! Ebates.ca works with over 750 stores that ship to Canada including Indigo.ca, Amazon.ca, eBay, Sears, Old Navy, Forever21 and Groupon.
Click here to sign up today: https://www.ebates.ca/referrer?referrerid=SNX%2FCeOVi5Y%3D
Happy shopping or should I say Happy saving!
SAVINGS = $12.29
4. Buy your prescription glasses or sunglasses for under $60 bucks!
IMAGE OF ME BEING FUNNY OR NICE PIC OF GLASSES.
I know that sounds crazy, but it’s not. In fact, I have bought 4 pairs of glasses for around $40 each, and my prescription is -4.25, and I got anti-reflective coating, and the glare, but I am not doing the coating for my next one because I hate the blue streak. I have to keep wiping my glasses, and I admit I touch my face a lot😉.
Glasses are expensive, but I found 2 places that I like for the value and style. Zenni & Walmart.
My sunglasses prescription cost me $60 through Zenni. They have amazing deals. I am not an affiliate for them. I just love their prices and styles.
Walmart has good deals too. They have 2 for 1 and people, they are the same glasses you find in other stores. They just don’t have some fancy name on it.
Oh, I almost forgot the most important part, Zenni allows me to customize a cute saying on the arm of your glasses.
I am going to order these babies after I get my eye exam and the price? $40 bucks! That includes taxes too and I think shipping is $10, but I can live with that. I did a comparison and even Walmart was higher i.e. $129 for their cheapest. I’m saving $89.
SAVINGS = $89 for glasses
What if I’m not happy or they don’t fit?
No problem. You can send the first pair back, and you’ll have to pay the $10.00 shipping. I only sent one pair back because I didn’t measure them correctly.
5. Getting your eyes checked could be a lot less than you think.
OMG, I don’t understand why the Optometrists have to charge so much. I would be good with paying $80 for an eye exam, but not $120. Especially if they are only spending 20 minutes with me!
I found a place that has done my prescriptions now for 3 years and I have no issues. That place, Walmart. They have an optometrist in store so I don’t have to go far, and they charge $60 compared to $120 for exam. After the exam, I can choose to buy from them, or take my prescription and shop online. I usually by my contact lenses from Walmart or Clearly Contacts because they have the best price I found for disposables.
SAVINGS eye exam = $60
NOTE: Hey, remember to check Ebates.ca to see if they have deals online before you go and buy elsewhere!
6. Dying your hair – do it yourself, except for highlights
Ladies, I know some of you feel that your hair is what defines your image, and I agree, but paying $120 to die it at a salon, and it will only last 4-6 weeks…isn’t’ that crazy? Some of you may be afraid of dying your hair because you love your hair and worried it might get ruined. I get it, especially if you have blond hair or highlights. Those people, I would suggest to still go to the salon, but for the rest of us, I would suggest you do it yourself. I have been doing it for 20 years and my hair hasn’t fallen out, but I did make a few bad hair colour choices that one of my besties would remember.
There are a few products I have tried and really like them. If you want the professional version, there are specialty stores you can buy them from either online or if you live in Ottawa, there’s a place is called Hair Essentials. You can even ask them for advice and they will gladly give it to you.
Here’s the price breakdown for dying at a salon versus DIY
Salon ( $120 +tax $15.60 + tip $20 ) = $155.60
DIY – ($20 and that is top of the line product) = $20
SAVINGS week 3 = $135.60
7. Alcohol – buy in bulk
One way for sure to save money is to drink less, but if you’re like me and a glass of wine or sparkling bubbly while cooking, just tastes so amazing, or having an ice cold beer in the summer after exercise, such as brisk walk, playing volleyball, or pickleball. Well, it might be best to choose one of these options.
Buy your beer in Quebec. It has the cheapest beer, especially Costco. However, only Costco in Quebec sells wine and beer, but there is another store in Aylmer that sells cheap beer too.
Another option for us wine drinkers is to make your own. I saved $112 by making my own wine. I tried both red and white, but I find the white is better for homemade, for me anyways.
4 litres of wine or 21 bottles at average $10 = $210
4 liters of DIY home made brew at 28 bottles = $148
Oh, and I just checked on Wine Stations website, and they are offering $10 off!
SAVINGS buy bulk wine = $62.00 + $10 off = $72
8. Set up weekly savings account with just $77!
When I read an article that said I could save $1,000 in 3 months, I thought they were nuts. It’s not possible to save $1,000 in 3 months, but it showed that if you put aside $77 a week, that by the end of the 3 months, you would have $924! And remember, there is interest in your savings account, so depending which bank you use, you might reach $1,000. I am going to test this and I will let you know how it turned out and how I felt doing it.
9. Sell your stuff online or consignment
I have lots of clothes and shoes that I sell through consignment stores. If you don’t know what that is, it’s a store that allows you to bring in your used items, they review it to see if they can sell it and they will share in the profit they make from selling it. The profit is usually 60% for them, after all, they are doing the work.
NOTE: Please don’t take it personally if they don’t want your items. It’s not that they don’t think your stuff is nice, it’s just that they know their clientel and know what will sell and what won’t.
Another way is to sell on used places like Kijiji.ca, or in my city usedottawa.com, or craigslist.com. I just sold my used monitor on Kijiji that I bought at a second hand store a year ago for $35 and sold it this year for $30! I lost $5, or did I? I used it for a year and made money selling it.
Oh, and I just sold my man’s mountain bike for $50 bucks! I know it’s worth more, but it wasn’t worth negotiating.
SAVINGS stuff sold online week 5 = $80
10. Credit cards – get one with money or points
I am not a huge fan of credit cards because that’s how I got into trouble in the first place, but if you are going to get one, I say find one that offers money so that you can put that money into savings. We get a check from Costco at the end of the year. We usually get about $150 just for shopping using the credit card. I admit that I make my man go to Costco because I know I will shop and come out with more than I needed.
11. Make coffee at home and you save at least $120
I know I said you didn’t have to give it up, and I am not telling you that you have to, but I wanted to show you just how much you could save if you decided to make your favorite coffee at home. You can still buy the best coffee from your favorite place, but without the price and, you would also be helping the environment by not using those Styrofoam cups. Oh and did I mention you wouldn’t have to get up earlier to drive to the coffee shop. Sleeping in for me is a game changer!
Here’s the difference, just in case you don’t believe me.
Medium Americano – $4.00 X 30 days = $120 x 3 months = $360
Homemade American – Espresso coffee – $20 + Cream – $3 = $23 x months = $69 (SAVINGS $291 dollars!)
So, to summarize, in 90 days, we managed to save $917.00 just buying things we would normally buy, but shopping differently. Here’s the breakdown.
$50 from Tangerine and $5 from DreamBigSpendSmall.com
$60cell + $280 gym + $74 learning = $414!
$12.29 from eBates for buying Groupon deals.
$89 for glasses online through Zenni
$60 for eye exam at Walmart
SAVINGS hair die = $135.60
SAVINGS buy bulk wine = $72.00
SAVINGS stuff sold online = $80
What other ways have you found to save? Please share in the comments below as we are in this together.