5 Creative Ways to Save More Money This Year

Whether you’re looking to pay off debts, save for a vacation or deal with a tax or insurance increase, money always seems to get a little tighter in January. I’d like to start saving money for fun stuff — family days, vacation, date nights — but it’s tough to find room in the budget alongside our other obligations.

It’s time to start getting a little more creative with the savings. Over Christmas I was paying cash for our gifts and letting the spare change pile up. I realized how quickly that can add up. We typically use our bank cards, but maybe debit cards aren’t the best idea. With a cash budget, I can better control our budget, keep spending to a set limit, and let the change add up.

Here are 5 fun was to save more money this year:


  • Compete 1 of 5
    A little friendly competition never hurt anyone — this bank keeps track of who is saving more with physics! I'm thinking of setting up a little penny war with the hubby — winner chooses the next date night.
    Buy it for $47 at Sleek Identity
  • Break Bad Habits 2 of 5
    Break Bad Habits
    I am totally at peace with my potty mouth, but the swear jar concept can also be expanded to other bad habits. Maybe we could try out a New Girl-inspired Douchebag jar!
    Read more at Kindness Girl
  • Keep the Change 3 of 5
    Keep the Change
    I usually pocket the change I find in the laundry room, but I love the idea of using a tip jar to let it add up for awhile.
    Read more at Life with Both Hands Full
  • Set a Goal 4 of 5
    Set a Goal
    Attaching — literally! — a goal to your savings can help keep you motivated. These DIY jar lids are so much more fun than a photo!
    Read more at Something Turqoise
  • Increase Your Savings 5 of 5
    Increase Your Savings
    This is a clever idea for saving nearly $1400 in one year! Start with $1, then increase your deposit by another $1 each week. It may get harder towards the end of the year, but once you've learned to live without a set amount, it's not that difficult to add a little more to it.
    Read more at Stuck at Home Mom

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More from Heather:
How to Set SMART Financial Goals
Begin at the Beginning

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Article Posted 4 years Ago
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