We’re creating a comprehensive Money Saving Tips guide to help you save money in Minnesota.
Our aim is to cover as many areas as possible, from credit cards to clothes, technology to toys, and bills to birthdays to help you make the most of your money, and your life.
We’ll look at different areas of your life where you can save money, spend wisely and get more bang for your buck.
We obviously can’t guarantee that following these tips will definitely save you money, nor can we give you a monetary value on the money you could save, but we are confident that by following our tips, you’ll be better off.
Before we get into the money saving tips, we’re going to help you see if you’re already struggling financially.
1. Are you struggling financially?
If you don’t recognize some of the most-common warning signs that you’re struggling financially, then then how will you know?
- Relying on your credit cards?
- Paying bills late?
- Ignoring phone calls or letters?
Then you might be struggling financially, and could benefit from our help right away.
2. General Money Saving Tips
Do you find yourself:
- Buying things to cheer yourself up?
- Buying things just because they’re there or cheap?
- Buying things when you need them instead of in advance?
Then we could help you spend wiser and save money.
Read our General Money Saving Tips to discover how.
3. Managing Your Money
- Spending money unnecessarily?
- Making the most of sales?
- Afraid of asking for a discount?
Then we can help you.
Read our tips and get help with Managing your Money.
4. Bills, Credit Cards, and Credit Scores
- Pay all of your bills on time
- Check to see if you’re getting the best rates?
- Check your credit scores?
Then you should.
Read our guide to Bills, Credit Cards, and Credit Scores.
5. Practical Ways To Spend Less Money
- Change your hair salon?
- Only carry the cash you need for the day?
- Remember to check what you’ve already got before buying something new?
If so, you could save money.
Find out how else you could save money with our Practical Personal Ways to Spend Less Money.
6. Home and Garden Money Saving Tips
- Move to the city or suburbs?
- Reduce your heating bills?
- Live in a smaller home?
If so, our Home and Garden Money Saving Tips could help you.
7. Planning Ahead
- Write a shopping list and stick to it?
- Buy clothes things out of season?
- Save for your vacation?
If so, then you could save money by Planning Ahead.
8. Reducing the cost of what you use
- Paying for things you could get for free?
- Making the most of your memberships?
- Wasting money on things you don’t use?
If so, then read our guide to reducing the cost of what you use.
9. Reducing the cost of what you don’t use
- Spending more for unlimited internet access, just to download your emails?
- Paying for premium versions of apps you rarely use?
- Buying cheap food that goes off before you eat it?
If so, then why not see how you can reduce the cost of what you don’t use.
10. Time Of Day
- Wake up late and have to buy your breakfast and lunch?
- Spend more than you intend to when the kids come shopping with you?
- Buy major purchases without doing your research?
Read our Time of Day Money Saving Tips to see how changing the time of day you do things can save you money.
11. Going to Work
- Spend a lot of money on gas?
- Buy a coffee on the way to work?
- Eat out everyday?
Read our Going To Work Money Saving Tips to see how you could save money when going to work, and on your workday food and drinks.
12. Car Money Saving Tips
- Have an old unreliable car but can’t afford to change it?
- Think swapping your newer car for an older one makes financial sense?
- Really need an SUV?
Read our Car Money Saving Tips to see how you could save money by changing your car to something older, newer, bigger or smaller.
If you know that you’re already spending as little as possible on your essentials, or have already done everything you can to save money, then perhaps you don’t know what else you can do.
Maybe you need to ask yourself Should you file for bankruptcy in Minnesota?