Are you spending too much money on groceries and other basics? Do you often run out of cash before payday, or get surprised at how little is left in your bank account?

Seal the leaks in your budget. Here are some tips to help you spend less money, increase your savings, and get more value out of every dollar.

8 Ways To Spend Less Money

1. Write Down All Of Your Expenses

Small expenses add up! The cups of coffee, last-minute trips to convenience stores, and midnight take-out may not seem like a lot until you actually start to keep track of them.

Write down every expense in a small notebook or an app. If you and your partner share a household budget, make sure he or she does that too.

At the end of each week, tally everything and then organize it into categories like groceries, transportation, personal allowance, etc. At the end of the month, synch this with bills like utilities, credit cards, etc.

This information can help you figure out where you need to spend less money, or even what kind of expenses you should cut out completely.

2. Subtract Your Savings First

Typically, we save what’s left over from our expenses. However, it should be the other way around. Deduct your savings first by automatically transferring it to another account, and then force yourself to live on what’s left. It’s an easy way to spend less money because you can’t access it anymore.

3. Use Cash As Much As Possible

Debit and credit cards allow you to dip into all of your available funds, or even spend more than what you have. But if you only use cash, and carry only enough, then you will learn how to plan your expenses and avoid impulse buys. Try using that tactic when you go to the supermarket or any shopping errand.

4. Buy Products That Have Multiple Uses

With the prices of goods going up by 10% to 15%, the only way to spend less money is to buy fewer things.

Get more value for your money by buying products that have multiple uses or purposes. For example, baking soda, bleach, and lemon can do the work of several commercial cleansers. Clothes in neutral colors can be mixed and matched into different outfits.

5. Sign Up For Coupon Aggregation Apps

Apps like Ibotta, Honey, Rakuten, Dosh, and Capital One Shopping can help you spend less money on groceries, pet supplies, plane tickets, and more. They alert you of sales and coupons, give cash back that you can collect every few months, and even compare prices and the cost of shopping.

The apps are accepted by thousands of retailers, including big stores like Walmart and online stores. You can save hundreds of dollars without any effort at all.

6. Buy Only What You Use And Need

This seems like a no-brainer, but you’d be surprised at how much money you’re wasting on subscriptions you don’t use, food that ends up rotting in the back of the fridge, or clothes you rarely wear.

So, it’s time to get the money back. Cancel subscriptions that you don’t use often, make a grocery list and meal plan before you buy anything at the store, and sell the clothes you don’t use before buying any new outfits.

7. Don’t Fall In Love With Brands

Brands spend a lot of money on building their image, and often hire influencers or launch massive campaigns just to get noticed. That doesn’t necessarily mean that the product is actually better.

Try looking for cheaper brands that still have good quality. Check forums and reviews—very often, you’ll find recommendations from people who’ve tried and tested them and can vouch that they’re just as good as their trendier counterparts.

8. Use The 30-Day Rule

Ads make you want to buy something right now, but most of the time you don’t really need what they’re selling. Let the initial excitement pass. You can add it to your shopping cart but sit on the purchase for at least 30 days.

If you still want it a month later, then go ahead—but most of the time, you’ll realize that it’s not as appealing as you thought it was and spend less money.

Plan For Emergency Expenses

If you spend less money, you can save for a Rainy-Day Fund that can help cover urgent, unexpected expenses. But sometimes, your savings aren’t enough. You may suddenly need to deal with a big hospital bill, car or house repair, or other personal expense that you simply can’t put off.

If you need money right now, you can apply for a title pawn. You can borrow up to $15,000 even if you have bad credit. And with Georgia Auto Pawn, Inc., you can complete the application quickly and conveniently.

What’s The Quickest Way To Get A Title Pawn?

Georgia Auto Pawn, Inc. has the fastest and simple loan application process. Just fill out the form, and one of our representatives from the nearest branch will call you to explain everything you need.

Then, you can then either meet up or go to the branch for the vehicle inspection and verification of documents. Processing takes as little as 30 minutes, and if you’re approved you get the money the same day or the following business day.

Secure Your Financial Situation Today

Having a handle on your spending is key for financial success no matter what your income is. It’s important to know exactly what you are spending your money on and to assess whether it’s going to an appropriate place. And if you need an influx of cash quickly, we have you covered with a Georgia title pawn. Contact us and we’ll be happy to help you start your application right now.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.