Create a Budget
The first step to saving money on necessities is creating a budget that accounts for all of your expenses, including the ones for necessities. It's important to know how much money you have coming in and going out each month so that you can make sure there's enough left over for things like rent and groceries.
Once you've created this budget, it's time to stick with it! It may be tempting to spend more than what's allotted in certain categories (like eating out), but if this happens too often then it will be difficult for your savings account balance at the end of each month.
Shop Around for the Best Deals
- Shop around for the best deals.
- Look for coupons and discounts, which can be found on websites like CouponSherpa and RetailMeNot.
- Use cashback sites like Ebates, who will give you money back when you shop online at stores like Amazon, Target and Walmart (to name a few).
Take Advantage of Loyalty Programs
- Take Advantage of Loyalty Programs
Many stores offer loyalty programs that give you rewards and discounts on necessities, such as grocery stores, pharmacies, department stores and even gas stations. Some examples include:
Kroger's Fuel Rewards Program - Sign up for this program to earn points every time you shop at Kroger. You can redeem these points for discounts on gas at participating stations or get even more savings with their Double Fuel Points Days.*
Rite Aid Wellness+ Card - Get 5% off all purchases when you sign up for this card and use it every time you shop at Rite Aid.*
There are also many other ways to save money when buying necessities by taking advantage of loyalty programs offered by various retailers across the country!
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