10 Ways to Save Money.

Who doesn't love to save money or be able to live off a smaller budget!?! Living in a household with only one income we must stay within budget. We strive to spend less than what we take in, so that we could build up a savings account, even if very slowly. Yea, sure, sometimes we fail at this, but we pick ourselves back up and try to do better the next time. 



God wants us to be good stewards of our money. Everything belongs to Him, He blesses us with what we have. He is the one who created us with our strengths and skills to be able to work and make a living. We, as Christians, are called to honor Him with our finances. 


Deuteronomy 8:17-18
"And thou say in thine heart, My power and the might of mine hand hath gotten me this wealth. But thou shalt remember the Lord thy God: For it is He that giveth thee power to get wealth, that He may establish His covenant which He sware unto they fathers, as it is this day."

In our attempt to honor God and be wise with our money, plus build up a little savings account, here are some changes we've done to our spending. This may not work for everyone, but it works for our little family. 

10 Ways to Save Money


#1 We cut cable! EEEKKK! Say it isn't so. Yes! We did. There are so many other options for our TV viewing pleasure that are free. For example YouTube has plenty of cartoons and movies, the network websites will sometimes offer free movies/videos to watch and our own collection of movies.  That is plenty to keep our TV needs met. 

#2 We don't eat out every week. We do most of our eating at home. We make sack lunches to bring with us to work. You can eat out so frequently that it doesn't become a treat any longer. So we decided to save the money and eat at home. We do enjoy a night out that would include eating out at a family restaurant from time to time, but it's rare, maybe once a month. 

#3 Meal planning! We set a bi-weekly grocery budget for our family of four. To stay within that budget, we plan out all our meals for those 2 weeks. We write down everything we need on our grocery list and only buy what is written down. We do include a treat or two. 

#4 No home - land line - phone. My husband and I both have cell phones so we didn't see the need to continue paying $65 per month for something we didn't really use. 

#5 We cut the credit card! That's right, no credit cards. It's just to tempting to buy things that you do not have the money for. If you do not have the cash to pay for it, than you cannot afford it. Let's be real. 

#6 We buy used cars instead of new. Both of our vehicles we bought used and paid cash for them. No debt. No monthly payments. **My car is better than his...just saying. LOL 

#7 We try to be aware of how much water and electricity we use in an effort to save on our utility bills. For example, turn off lights, try to use natural light as much as possible, don't let the water run while brushing your teeth, turn the heat down a couple of degrees, if you are cold, put a sweater on, if you have a fireplace use it to help offset the amount of energy needed for your heater. 

#8 Swap babysitting needs with another family. Instead of paying for a sitter, ask another family who also needs a sitter to swap babysitting duties for nights out. You babysit for them for free and in return they babysit for you on your night out. For free! We all need those nights out with our spouses. Don't neglect them in an effort to save money. You can find free and cheap things to do for a date night out with the spouse. Check out these posts for free and cheap date night ideas HERE and HERE

#9 We shop at thrift stores. I love a good thrift store find! A lot of our clothes, shoes and decorations for the house come from yard sales and thrift stores. You can find name brands at thrift stores, too. All my jeans I own right now are either Old Navy, Mosimo or Gap and they all came from different thrift stores. All our shoes are name brand like Nike, Sketchers and Reebok. Who knows kids could grow out of their clothes so quickly! Or who here has kids that wear thru their clothes quicker than they grow out of them? Our solution is to buy used at thrift stores. It is a hunt. Sometimes we go and do not find anything we like or we don't find anything that is in good enough condition for us. Other times we are able to find items in really good condition or even better we will find an item brand new still with tags on them. 

#10 We try to wait before buying an expensive item. Do not buy on impulse. Go home. Talk about it. Think it over. Really evaluate if you need it. Research for the best deal. You don't want to regret your purchase and feel like you wasted your hard earned money. 

Bonus tip...

#11 Pray! Pray over your finances. Ask God to give you wisdom and guidance in managing your finances in a way that honors Him. 


Are there other ways not listed that you and your family do to save money? Let me know in the comments below. 

Thank you for being here with me!

Beyond Blessed, 









30 comments:

  1. Awesome post! Since being a SAHM I'm getting better and better at saving!

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  2. Great tips! I never thought about the babysitting share.

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  3. Good for you! I just listened to this program today of a 91 year old man who has never paid one penny in interest! He believed you save up until you can afford something. He was quite an inspiration!

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  4. Great tips, Starla! It's amazing how you can trim a budget without much effort. We are about to cut cable too, and it's amazing how many other alternative sources there are for this! Sharing this today, my friend. :)

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  5. We cut cable, too. You are not alone!

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    1. It's great isn't it! We don't miss it.

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  6. I struggle with this. Especially trying to plan meals, it just gets very stressful for me at times.

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    1. It may be hard for some but keep at it and you'll be a pro in no time. :)

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  7. These tips are good. I think I have used almost everyone of these. With one exception: I have credit card, but it is used only in sort of emergency, f.e. washing machine breaks and we have not enough cash to buy a new one.

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  8. We cut cable too! We don't miss it either ... although we do indulge in Netflix. We buy our vehicles new, but when we first got married we agreed to have just one car until we had kids. Of course, we were only childless for a short time so that only saved us a little bit, but I'd definitely recommend it! And thanks for that verse! It is great. I have been looking for a verse like that.

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    1. You are very welcome! Thank you for taking the time to stop by. :)

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  9. Very very good practical reminders for all of us! Great tips!

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  10. We do many of these as well. I also make some thungs, saves in the long run! :)

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  11. The 24-hour buy rule is always a good one to live by. You have to wait at least that long before making a purchase. Tomorrow you may not need it as badly as you think today ;)

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  12. I'm glad you mentioned praying. I have prayed so many times about specific things I needed, and God provided them!

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  13. Great post. There are a lot of things we can do to cut down expenses if we take the time to work it out. Thanks for the ideas!

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  14. Oh how I wish to do the babysitter swapping! How do you manage the kids bedtimes; however? There's no way my husband I would be home by 8... and if my kids don't stay on a routine. Well, let's just say it's close to a nuclear meltdown the next day.

    Jennifer @ The Jenny Evolution

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  15. Love these! And I like how you said under the not eating out how that once you do something often enough like that, it no longer becomes a treat. That's how we've found it with so many things. When you rarely do them, they become even more special and you appreciate and enjoy it more!

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  16. This is a great list! I love that you mention that we need to be good stewards of our money. It adds so much purpose to our attempts to save!

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  17. Great tips! My husband and I recently paid off over 6500 in credit card debt and learned a lot of valuable lessons. One thing we do a little differently is we still take loans out to build credit. We just bought a used car and took out a loan for it. We have all of the money to pay it off in cash, but we put it in a separate checking account and set up automatic payments so we don't need to worry about it! In my mind, it's technically paid off because we have all the money for it, but we are also building great credit!

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  18. Great list! We're doing a lot of these, but I definitely need to do better at meal planning. Thanks for the reminder.

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  19. I do all of the above, except I haven't cut the cable yet. I guess it's because I always get suckered in with the bundle with internet deal that sounds so reasonable lol.

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  20. Most people try everything except they forget to include praying over their finances. God is the God of everything, including our finances. :)
    Nice post!

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  21. These are great tips! We cut cable, too - ouch! However, it's cut out so much wasted time, and it's saved us so much money! The praying is the one that I need to be reminded of, oddly enough. We've done our part, but so often the finances are something I take back. When things are going well, I applaud our efforts. When things are going badly, I have long "conversations" (expressing of my frustrations) with God. I need to remember that the good is not just by our efforts, but by His grace! Thanks for sharing with us at Grace & Truth!

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  22. Love this post, Starla. Being good stewards of our money is very important to our family as well. We do all of these except #5. I wrote a post about why we still use credit cards but we do treat them just like cash and only when we have the cash in the bank to cover it.

    It is hard to sacrifice but the results are so worth it in the end. Giving up eating out was the hardest for me because I look forward to the break. Now we only do it a few times a year - maybe a birthday or an anniversary or while traveling.

    Love #11! Thanks for sharing. Blessings to you and yours.

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