If you want to stop living from paycheck to paycheck, pay off your debts, and make savings a priority then, you need to learn these budget and money hacks. They will help take control of your finances and reach your money goals.

Order your groceries online.

If you are struggling with impulsive buying, this will be one of the great money hacks for you. You will have the opportunity to budget your purchase, and still be able to remove something from the cart if it exceeds your budget. This also saves you time and energy.

Bring a list to the market

The tendency to buy things that are not on the list is slim when you go to the market with a list. You will not be caught walking up and down the mall too. You will know firsthand what you need to grab, do so, and get out. You may buy what you do not truly need if you don’t have a list, and this means overspending. So, always go to the market with a list.

Read also: Budget brings you closer to your financial dreams

Make a meal plan

Most of us are guilty about not having a meal plan, this makes us go out and grab a meal every time we are hungry. You have to start making meal plans at the end of the week concerning the next week. This way, you will cook the food you enjoy, and you will save a lot of money in the process. Truly, this is a wonderful budget and money hack.

Separate your savings account from your checking account

Another great money hacks you should stick to is separating your savings account from your checking account. It will help you avoid the temptation of digging into your savings account anytime you need funds. Your savings account should be difficult to access so you don’t touch it no matter what.

Write mini-budgets

Every time something goes wrong, don’t throw your budgeting plans off the window, hoping to start the next month, no. Instead, write a mini-budget, it’s one of the money hacks you will be thankful for having. A mini-budget helps you stay on track during emergencies.

Read also: How to create a profit and loss statement

Create a sinking fund for unexpected expenses

Unexpected things happen, you need to be prepared for this by creating a sinking fund. This helps you prepare for unexpected house repairs, car breakdowns, fires, etc.

Do not go to stores that tempt you

If you are on a no sugar diet, or no soda diet, you should not go to stores that tempt you to spend money on the things you are planning to stay away from. It may not be easy but it is undoubtedly worth it.

Track your progress

It’s no fun to see numbers on spreadsheets every day, you should track your progress by using ink or other visuals. Track how much you have saved, how much of your debts have been paid off, it will be fun to see your progress.


There are lots of money hacks you can learn and act upon to help better spending and saving habit. You can check in with a trusted partner about your spending, so they can help you stay on track. Online stores and websites can be tempting as well, it will be great to remove your credit and debit card information from them

This will help you reduce impulsive spending, online. Most of the time, you should allow your items to sit on the cart for a few days, you might realize they are not important afterward.

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