Fall Bucket List for Frugal People

The best fall bucket list

Create the BEST Fall Bucket List with these ideas. These ideas are perfect for frugal people, who are looking for free or low cost activities to do this fall.

Fall is nearly here! One of my favorite seasons (besides Christmas time) is Fall! I love the comfort food, the way the light changes in the evening, the crisp fall air, and warm, cozy sweaters. Along with those things, Fall is a great time to do fun, frugal activities specific to the season.

Here is a Fall Bucket List for Frugal People that you are going to love! There are plenty of ideas to fill up your fall calendar with frugal fun.

fall bucket list for frugal people
  1. Go to a Pumpkin Patch.
  2. Have a pumpkin carving contest with friends/family.
  3. Find fall festivals and harvest events happening in your area.
  4. Go to a local apple orchard to pick delicious apples.
  5. Go for a hike. The temperature will be much more bearable than in the summer time!
  6. Try Halloween themed cookies. Like Oreos. You can only get them this time of year.
  7. Try using fallen leaves in one of these ways.
  8. Go to a thrift store to find your Halloween costumes.
  9. Make apple crisp! This recipe is amazing!
  10. Throw a football watching party. To save money, make it a potluck and have everyone bring something.
  11. Make your own fall wreath.
  12. Make a pot of chili.
  13. Enjoy a pumpkin spice latte or apple cider.
  14. Make a Frugal Fall bracelet.
  15. Go through a corn maze.
  16. Take your own fall pictures.
  17. Rake up the leaves into big piles, then jump in them!
  18. Make a scarf out of an old sweater.
  19. Have a Halloween (or Fall) movie night at home.
  20. Bake pumpkin cookies.
  21. Visit your local library and check out some fall themed books.
  22. Check the kids’ school calendars to see what free family-friendly events are coming up.
  23. Attend a high school football game.
  24. Volunteer.
  25. Go geocaching
  26. Take a scenic drive around your city.
  27. Visit your local farmer’s market.
  28. Try a new soup recipe.
  29. Host a fall brunch, pot-luck style.
  30. Light fall candles around the house.
  31. Decorate your home with a few Fall decor items from the dollar store.
  32. Help a neighbor rake their leaves.
  33. Make a batch of these Fall M&M Monster Cookies.
  34. Create your own haunted house.
  35. Make your own Halloween costumes.
  36. Check your city’s website, you will find a ton of free events and activities happening around you.
  37. Knit a fall scarf.
  38. Write little happy fall notes to your friends.
  39. Decorate your porch with fall foliage from the neighborhood.
  40. Toast pumpkin seeds.
  41. Have a fall canning party.
  42. Go on a hayride at a local farm.
  43. Eat dinner by candle light.
  44. Have a nap!
  45. Make Pumpkin Butter

21 Smart Purchases that Save Money in the Long Run

purchases that save money

Clever Purchases That Save Money In The Long Run

(Note: The links in this post may be affiliate links. Read the disclosure policy here.)

Sometimes, the secret to saving money is actually spending a little money in the first place.

As long as you spend it on the right things, that is.

That might sound illogical, but in reality, it can make a lot of sense when you start thinking about long-term savings.

This is where thoughtful, intentional spending comes in to play.

In this article, I’m not going to be talking about gadgets that you will only use once, like a Cake Pop Maker for example. I am going to list out products that you will use time and time again, allowing you to see financial savings in the long run. Smart purchases that will save money in the long run!

On that note, to help you save cash and satisfy your gadget purchasing desire, I’ve rounded up 21 smart purchases from Amazon that will end up saving you tons of cash in the long run. The best part? They don’t require you to change any of your everyday habits.

Smart purchases that save money:

Low flow shower head – Why not have a great shower and save water at the same time? A low flow shower head doesn’t cost a lot to replace, but the savings on your water bill will really pay off in the long run!

LED light bulbs – While they cost more upfront, LED lightbulbs are a smart choice in your home. they save money on your energy bill and last way longer than incandescent light bulbs. There are many different options to get just the right color warmth that you like.

Solar powered outdoor lights – Light up your yard to add safety and ambiance by using solar powered outdoor lights. Once purchased, these won’t cost a cent on your energy bill!

Drying rack – Do we always need to use the dryer? You can save a lot of electricity by using a drying rack instead! You will also find your clothes last longer too. If you have yard space outside to have a drying line, this is a fantastic way to dry stuff

Smart thermostat – Monitor your energy usage easily with a smart thermostat in your home! This ecobee model works with Amazon Alexa and will adjust heating/cooling according to your schedule. You can even control it from anywhere using your Android or iOS device. No more heating and cooling an empty house when you’re gone!

Reusable food storage bags – Stop throwing plastic bags (and money) in the trash. These reusable storage bags are easy to clean and ready to use for a long, long time. I especially like that these ones are self-standing…makes it easy to fill!

Brita water jug – Very, very rarely will we buy bottled water. We do, however, use our Brita every single day. We fill up glasses at home or fill our reusable water bottles for adventure days.

Reusable water bottle – Speaking of reusable water bottles, never buy bottled water again! If we ever need new ones, I’m really going to consider this one! I like that there are different lid options. With or without a straw.

Air fryer – Hear me out on this one. It might seem like a gadget, but our air fryer has really made my life better. It has made lunch making and heating up leftovers a breeze. Let’s not forget to mention that it saves so much money because I’m not getting takeout as often!

Wool Dryer balls – These don’t seem like anything special, but this is one of those purchases that save money like crazy. They save money on fabric softeners and dryer sheets because they soften naturally. They also lessen the drying time needed so they will save you money on your energy bill.

Rechargeable batteries – If you find yourself going through batteries often, investing in rechargeable batteries is a smart idea!

Roku streaming stick or Fire TV Stick has been a TOTAL game changer for us! We bought one when we decided to eliminate cable tv. It plugs into the back of your tv and has a homepage for all your streaming services. Save a TON of money with the free tv apps it offers.

Hair clipper kit – This one might not be for everyone, but we have saved a lot of money by cutting my husband’s hair at home. I give him a very basic hair cut every 6 weeks or so and he’s always pleased as punch.

Vacuum Sealer – How many times have you thrown away foods that are so badly freezer burned? Well, say goodbye to freezer burnt food by investing in a vacuum sealer. Once you’ve sealed your food, toss it in the freezer and you’ll find it stays fresher for so much longer.

Reusable K Cup Coffee Filter – Those little K-Cups can really add up after awhile! If you own a Keurig machine, think about buying a reusable k-cup coffee filter so you can buy your favourite grounds to use in the filter. You’ll have delicious coffee and save money!

TubShroom – I don’t even remember how I came across this in the first place, but I purchased a TubShroom and LOVE it! It’s been years since we’ve been using one and I will never go back to an ordinary drain protector. It catches so much hair. I’m convinced that this is one of those purchases that save money in the long run.

Makeup remover cloths – I really like those disposable, pre-moistened face towels so I really think these makeup remover cloths would be just as convenient. Plus, they’re reusable of course!

Personal finance books – I’ve got a list of highly rated personal finance books right here. First though, why don’t you see if your library has any copies available?

Drain snake – Having a drain snake on hand will without a doubt save you money on expensive drain cleaners that don’t necessarily work. Not to mention, a drain snake could save you having to hire a plumber too!

Bamboo towels – These bamboo towels are such a great idea. Especially if you think it will be hard to get away from using regular paper towels. These bamboo towels are washable and can be used just like how you use regular paper towels.

Fabric Defuzzer – Before you discard of any pilled sweaters or even furniture, try a fabric defuzzer! For less than $15, you can save your favorite things and make them look brand new again with this simple tool!

Before you consider making a purchase for something, take a look these purchases that save money in the long run! Perhaps something from the list would be more suitable for your needs.

You might also enjoy these money saving tips:

5 Steps for a Successful No Spend Challenge

successful no spend challenge

5 Steps for a Successful No Spend Challenge

Many years ago I embarked on my very first no spend challenge. This is when I spent zero dollars for a whole 30 days. That’s right…zero spending for an entire month! (except for bills and a few groceries.)

When I embarked on my first no spend challenge, I just jumped right in without a plan. I will tell you that I was successful in completing the challenge, however, it could have been so much smoother if I had a plan in place!

“If you fail to plan, you are planning to fail,” quoted by Benjamin Franklin, is excellent advice to put in place when you are embarking on a challenge of not spending a dime for 30 days.

The thought of no spending for a month is downright daunting… but then to face the challenge without any plan in place?! We all know that we can pretty much expect defeat.

That is not what we want.

So, today, I’m going to outline several ways to plan for a successful no spend challenge.

But first…

Why do a No Spend Challenge?

Not spending any extra money for 30 days can sound crazy, I know. However, a No Spend Challenge is a great way to reset our spending habits.

The end goal for me personally, is not to deprive myself, but to reframe how I spend money.

Completing a No Spend Challenge helps me to make more intentional purchases that align more with my true financial goals.

Speaking of goals, a no spend challenge is also a great way to kickstart your financial goals.

Once you reset or reframe your spending habits to serve you, you will be well on your way to completing those goals you never thought possible!

Let’s plan shall we?

Step 1: Determine the length

The first step is to determine the length that your no spend challenge will last. If this is your first no spend challenge, I suggest starting small. Maybe a weekend, a work week or 7 days. Starting small will pretty much ensure a successful no spend challenge.

As you start to see the fruits of your no spend challenge, you can increase the frequency of your weekend/work week/7 day challenges. Or you can jump into a 30 day challenge to see the greatest increase in your savings account.

Step 2: Look ahead to what’s coming

Grab your calendar and take note of any events, birthdays or vacations you have coming up. You can either pick a period of time that avoids those events, or work around them.

I personally like to work around any events, birthdays, anniversaries, or family vacations we already have planned. This is so we don’t become paralyzed waiting for a perfect month. After all, any month or day is a great day to save money!

I should note that it’s possible to use creativity with planned events. In the past, I have gone on a quick vacation to Vancouver during a no spend month (already planned) and used only gift cards that I had accumulated!

Step 3: Take Inventory

This is a crucial step to having a successful no spend challenge.

Before I embark on a no spend challenge, I take inventory of my fridge, pantry, freezer and anywhere I keep household supplies.

I mark down everything I find. I’m often surprised at what I do find. Lol. Sometimes I have no idea that there are two pork tenderloins frozen in the freezer, for example.

During a typical month, food can be a huge area of the budget. By taking inventory for a no spend challenge, you will greatly reduce the amount of money you need to spend on food because you can use what you already have on hand.

This is a great time to quickly jot down some meals that you can make with the ingredients that you find.

Step 4: Use creativity

One of the hardest parts of a no spend challenge can be figuring out how to use what you have or learning to go without. This is where a bit of creativity can really pay off!

Here are some ideas to get your creativity flowing:

  • Trade your abundance with friends (have a lot of zucchini but need toiletries?).
  • Take to Pinterest to be inspired with meal ideas or simple DIY projects to create things with stuff you already have.
  • Save money by buying just one of something instead of 10.
  • Shop only where you have gift cards.
  • Order any groceries you need online so you aren’t tempted to impulse buy.
  • Borrow a book, audiobook or video from your library.
  • Take advantage of free community events .
  • Carpool to work.
  • Declutter and sell items to make some cash.
  • Go on a walk with a friends instead of going for coffee.
  • Earn Swagbucks to earn free gift cards so you can treat yourself to little things like coffee.
  • Host a potluck at your house instead of dinner out.

Here are some other money saving tips to help get your creative juices flowing!

Step 5: Reassess your wants and needs

A no spend challenge can be a real eye opener on how you really spend your money on a normal basis.

During a challenge, this is a great time to assess where you really value spending money. On the other hand, you can also assess what you are wasting money on without even realizing it.

Instead of spending money all the time as a solution, a no spend challenge will help you to work with what you already have. So needs may become wants as you work through creative solutions.

I have no doubt that a successful no spend challenge will teach you lessons that will last a lifetime.

How to do life after your challenge

Immediately after a no spend challenge is an important period.

You don’t want to fall back into any bad spending habits or go on a shopping spree to make up for days without spending anything.

This is a good time to look at how much money you saved during your no spend period as well.

What do you plan to do with your savings? Are you going to transfer it to your savings account or use the extra money to pay some bills or debt?

After you decide what you’re going to do, take action immediately. Put the money to use right away, or you might be tempted to use it for the wrong thing.

One last thing. Remind yourself constantly of what you really want your money to do for you. Do you want to pay off your mortgage as quickly as possible? Do you want to spend a month traveling Europe? What ever your true financial goals are, write them down and keep them in a visible spot so you’re constantly reminded. Don’t shortchange yourself. You are worth it.

No Spend Challenge Planner

If you’re really looking for an in-depth system for a successful no spend challenge, I recommend my No Spend Challenge Planner! It’s 45 pages of instructions, no spend activity ideas, pantry meal ideas, before and after challenge questions, food inventory sheets, gratitude sheets and so much more! Take a look here!

28+ School Backpacks for $50 or Less!

Find the best School Backpacks for less. This selection will take the stress out of shopping while saving money too.

the best school backpacks

The best school backpacks

Can you believe it? Back to school is just around the corner. Save money on back to school shopping by purchasing your school backpacks at a price that feels right.

It can be overwhelming in-store so shopping online is a great option.

Browse this list and save time while getting the best deals. No need to spend a ton of time or money when the deal hunting has been done for you!

This list truly has something for everyone to start the school year off right. There are even some backpacks listed that include lunch kits and more. Go ahead and start shopping today for the best selection.

From solid color options to school backpacks with patterns, the options are endless for the school year. This list has it all.

(Note: The links in this post may be affiliate links. Read the disclosure policy here.)

1. Adidas Kids’ Disney School Backpack $44.99

If your child loves Buzz Lightyear, this one is the perfect size for preschoolers or those heading to kindergarten.

2. Adidas Kids’ Creator School/Gym Backpack $49.99

This Adidas backpack has great reviews and seems suitable for kids that are a little bit older. It holds more than the one listed above. Here is one in a different colour too.

3. Ripzone Kids’ Newton School Backpack $29.99

Do you have a preschooler that loves fries? Then this Ripzone backpack might just be the best thing ever! On the smaller side, so perfect for a preschooler or kindergartener.

4. Ripzone Girls’ Leila School Backpack $39.99

This Ripzone backpack is a larger version of the one listed above. So perfect for older kids that need to carry more books.

5. Ripzone Girls’ Mona School Backpack $49.99

This is the backpack my 10 year old daughter has and she loves it! It’s a big bag that will grow with her for many years. The backpack is made of pretty heavyweight material so it’s very durable too.

6. Puma Challenger Backpack $39.99

This Puma one is from Costco Canada and is currently on sale for $33.99! It looks great for high schoolers and has a lot of pockets!

7. Kids Recycled Floral Senior Backpack $69.95

I realize that this one is more than $50, however, it’s from Gap Canada and they always seem to have some sales or coupon codes happening. For example, this backpack is currently only $27!

8. Kids Recycled Dino Junior Backpack $59.95

Again, more than $50 but it’s on sale for $35! This is a smaller backpack than the one listed above and perfect for the dinosaur lover.

9. Hilroy Animal Print Kids’ Multi-Pocket Backpack $16.99

Great price for a highly rated backpack! This crocodile print backpack is perfect for daycare or preschool.

10. Outbound Kids’ Multi-Pocket Backpack $19.99

This Outbound backpack has a deeper pocket for a water bottle and would be great for preschool or kindergarten.

11. Skip Hop Zoo Big Kid Backpack $36

Oh man these are cute and perfect for younger kids! This is a bigger version of the classic Skip Hop backpack that I’m sure you have seen.

12. Skip Hop Zoo Little Kid Backpack $30

Here’s the smaller classic version of the Skip Hop backpack. Perfect for daycare or preschool.

13. Patterned Backpacks from The Children’s Place $49.95 or less

The Children’s Place has a great selection of backpacks! You’ll see Mario, Avengers, unicorns, Minnie Mouse and more! They are currently on sale too!

14. Roots Student Backpack $31.47

This Roots backpack boasts of a lot of pockets and a comfortable padded back I’d think this would be perfect for older elementary aged kids.

15. Parkland 13″ Recycled Polyester Vintage Backpack $34.97

This Parkland backpack is a simple backpack perfect for preschool or kindergarten.

16. Jansport Crosstown Backpack $44.99

This Jansport backpack is perfect for the kid that just wants a plain black, functional backpack.

17. Impact 3-Piece Backpack Set $16.98

You can’t beat the price on this one! This is a backpack set that includes a lunch kit and a pencil case.

18. Dickies Varsity Backpack $24.97

This Dickies backpack is everything you need in a backpack. Has a front zipper pocket, side mesh water bottle pocket and interior padded laptop sleeve.

19. All Canadian Backpack $29.97

Another black backpack with lots of pockets, perfect for carrying everything that’s needed at school!

20. Reebok Backpack $34.97

This Reebok backpack has storage for a laptop, sunglasses, water bottles and so much more!

21. Jetstream Marble Print Backpack $29.97

So much storage! This Jetstream backpack has pockets everywhere. Includes my favorite water bottle holders and more.

22. Dog Paw Prints Backpack $35.80

Perfect for the girl (or boy) who loves dogs! This Paw Prints backpack is another with lots of pockets. Also waterproof! A great feature to any backpack.

23. Foldable Backpack $35.99

So this backpack is different than the others because it has a separate section on the bottom for shoes and a pocket on the front for holding wet items.

24. Lightweight Water Resistant Backpack $47.99

This one looks like a really durable backpack perfect for preschool or kindergarten. Lots of different patterns to choose from!

25. Casual Style Lightweight Bag $38

This backpack comes with a lunch kit and a pencil case! There are a ton of different designs to choose from too. Perfect for the high schooler.

26. Water Resistant Backpack $46.99

Sometimes, a solid colour backpack is just the thing that kids want. This water resistant backpack with high ratings is perfect for teens.

27. Jansport SuperBreak Backpack $44.99

This Jansport SuperBreak backpack is another solid colour option. Great for teens.

28. Pastel Ombre Backpack $26.98

This pretty Ombre school backpack is a great price and perfect for elementary aged kids.

There you have it! A great selection of school backpacks found in Canada for under $50! Which ones do you think your kids will like the most?

You might also enjoy:

school backpacks

How to Save Between $2,000 and $5,000 a Year

how to save

How to Save Between $2,000 and $5,000 a Year

Spending money is fun, but saving money can be fun too! It’s fun to pay cash for the things you saved for!

Who doesn’t love going on vacations? Or buying a new TV? Or whatever is on your wish list? It’s even more fun when you can enjoy those things without a guilty conscious because they’ve already been paid for.

We all know how tough it is to pinch a penny these days. Saving money isn’t easy, but with a little creativity and some willpower, you can save between $2,000 and $5,000 a year with a few simple tips and hacks. So here’s how to save $2,000 – $5,000 (or more!) a year.

Start Off by Setting a Goal

In order to save $5,000 a year, you’re going to have to set aside about $417 a month. But if this amount is making your heart race, (don’t worry, it sounds scary to me too) then try saving $2,000 a year. You’d only have to set aside about $167 a month to reach your goal.

Cut down on takeout

No, you don’t have to let go of your takeout cravings completely. But consider cutting down 80% on takeout food. If you’re not tracking your expenses, you probably don’t realize just how much money you’re throwing away at on takeout.

But for example, if you order the Big Mac meal for $10 once a week, (just once!) that’s $40 a month. If you cut down this vice out of your annual expenses, you would’ve managed to save $480 a year.

Don’t Pay for Netflix

Say goodbye to your Netflix subscription. Or Disney+. Or Spotify.

Think about any monthly subscriptions that you have and consider cancelling one or two for a little while.

The cost for Netflix’s standard plan is about $15.49 a month. That’s $185.88 a year you could save if you forego this popular streaming service.

Think about the savings you will see if you cancel more than one service.

This can also become a fun exercise in creativity when you need to fill your downtime with something entertaining.

Start a $5 jar

Have you heard of the $5 jar hack before? How it works is, every time you find yourself with a $5 bill, you put it in a jar. Simple, right?

You’ll find that all those $5 bills really add up quickly and painlessly!

Save Your Raise

Say you got yourself a raise that will give you $2,000 a year after taxes. The simplest way to save is to pretend like you never got the raise in the first place. (Only if you can manage it with the cost of living these days!)

So, every month, transfer $167 into your savings account and in a year you’ll have $2,000 to play with!

Cut Down on Starbucks

how to save money

The average price of a Starbucks tall latte in Canada is $3.85. If you go to your local Starbucks five days a week, you’re spending $19.25 a week, $77 a month, and $924 a year on average.

But if you cut down on Starbucks or drive-thru coffee in general and settle for the coffee in the break room or from home, you could save yourself nearly $1,000 a year.

Try your hand at DIY oil changes

If you are an ambitious type and enjoy a challenge, doing your own oil changes at home can save you a lot.

Learning how to drain and replace the oil and other fluids is easy. There are tons of online tutorials on YouTube that can teach you how to do it.

Same with changing your tires from summer to winter tires and vice versa. Save yourself a good chunk of change by learning how to do these yourself.

Reduce your carbon footprint

The average person spends about $386 per month on gas for their car. That’s $4,632 a year.

You can reduce your monthly gas expenses by carpooling, using public transportation like the subway or a bus.

If all else fails, try walking or riding a bike. It’s healthy and 100% free.

Sign up for PC Optimum

PC Optimum is a points program that is available at Real Canadian Superstore, Shoppers Drug Mart, or other Loblaw banner stores.

You collect points on your purchases, which can then be redeemed in $10 increments off any purchase you make at these stores.

Here is an in-depth article about the PC Optimum Program.

Cancel your gym membership

The average cost of a gym membership is about $50 a month. That’s $600 a year, and if you add the initiation fee, it will probably be more like $800.

Consider canceling your membership and go for a nice jog around the block or do some push-ups at home. There are tons of YouTube channels with 40, 50, and 60-minute workouts that are just as good.

Reduce Your Cell Phone Plan

All those Smartphone data plans you got suckered into getting could run you at least $80 a month. That’s $960 a year on average.

But you can find carriers that offer prepaid data plans. If you run out of credit, just use Wi-Fi and let people know they can only reach you when you find free Wi-Fi. This will help you save about $480 a year.

All in all, just shop around to find something that will suit your needs at the lowest price.

Get a Part Time Job

Sometimes, the best way to save $2,000 to $5,000 is to earn it.

The average minimum wage in Canada is $15.55 per hour. So, if you work 15 hours a week, you’ll earn about $233.25. That’s $933 a month and $11,196 a year, minus the taxes.

As you can see, eliminating little things here and there can really add up! Try adopting a few of these ‘how to save’ techniques, even for a short time and see how much you can save!

I’d love to hear all your ideas for how to save $2,000 – $5,000 a year. Drop a comment below!

8 Reasons Why You Can’t Save Money

why you can't save money

8 Reasons Why You Can’t Save Money

“Why can’t I save money? I should be able to do it…”

Do you find yourself asking that question a lot?

You make a decent salary, many others would be happy getting paid as much as you. Maybe you have a few debts, but nothing that’s not manageable.

So why can’t you seem to put any amount into savings? You know something needs to change.

But don’t be discouraged! Many people are in your situation. Whatever your salary, you can save some of it.

Let’s take a look at some reasons why you can’t save money along with solutions:

1. You were never taught how to save money

We’re not generally born with good money sense. This is something that has to be taught and practiced. If you were never taught how to save money beginning at a young age, it’s quite possible you still don’t know how to save money as an adult.

Solution: The good news is that you can still learn how to save money! You can do this by reading helpful articles, tracking your spending, and implementing smart money habits with the tips you learn.

2. You are an impulse spender

Spending money is fun. I get that, I really get that. There are studies out there that prove that shopping can be therapeutic. But did you know that dopamine (the feel-good hormone), is actually released before you make a purchase? It begins before the purchase happens. You don’t even have to make a purchase to get that good feeling. If you find yourself making impulse purchases to make yourself feel better, this could be a reason why you can’t save money.

Solution: Just browsing or window shopping can positively impact your mood and release dopamine. If you find yourself making many impulse purchases, take 48 hours, a week or even 30 days to think about a non-essential purchase. You might be surprised to discover that you don’t actually need that item and feel content leaving it at the store.

3. You don’t track your spending

A big reason why you can’t save money might be because you aren’t tracking what you spend. When you track your spending, you can track overspending and you can eliminate wasteful spending habits. This is also a great way to discover you are paying for a subscription that you no longer use.

Solution: Use a notebook or a simple app to write down your expenditures. You might also find the idea of a Spending Journal perfect.

why you can't save money

4. You don’t use cash

One possible reason why you can’t save money might be because you aren’t using enough cash. You mostly swipe that credit or debit card. I know when I have cash in my wallet, I think harder about any purchases I want to make. I often decide I don’t need something when I think of the bills leaving my wallet.

Solution: Start using cash. This doesn’t mean you need to use cash for every single thing. (there can be benefits to using credit cards.) But perhaps you can try using cash for your clothing or entertainment budget. I have a set of printable cash envelopes and spending trackers that might be useful too.

5. You are dealing with lifestyle inflation

Lifestyle inflation or lifestyle creep is when your expenses increase along with any increase to your income. Maybe you think every time you get a raise or receive a promotion, you deserve to treat yourself with something new. For example, with your increase in income, you might think a new car is a good idea. But really, this just means the more you earn, the more you spend.

Solution: Take the time to learn contentment. If all of your basic necessities and bills are taken care of, with any increase to your income set up automatic deposits to your savings account with the difference. You should start seeing a healthy savings account grow!

6. You think you need something you want

A house is something you need and a car is something you need to get to work. (Although, we often overspend on this necessity because we want a certain vehicle, when we can simply focus on one that we need. Which is any reliable vehicle, really.) A fridge is something you need but a 65′ TV is something you want. Not knowing the difference between and need and a want can be the reason why you can’t save money.

Solution: Take a hard look at your thought process when it comes to purchases. Is it something you need or is it something that you want? If it’s something you want, start saving your dollars so you can purchase it guilt free.

7. Everyday expenses are rising (inflation)

As I’m sure you are aware, we are seeing big price inflations on pretty much everything these days. Housing, groceries, gas… While you can’t stop it, there are things you can do to alleviate the pressure on our wallets. (I like this article on the causes of inflation, if you’re interested to read more.)

Solution: Think of this as an opportunity to be creative. Think about ways you can create more income. Or trade your garden vegetables for fresh eggs from your neighbor. Go through your expenses with a fine tooth comb to weed out the expenses that are not 100% necessary in this season. Consider eating more vegetarian meals. Brainstorm to get your creative ideas going.

8. You don’t have a savings goal

Having a savings goal in place for something specific can be a great motivator. When you are just putting money into the bank for the sake of putting money into the bank on a regular basis, it can be easier to withdraw for unimportant reasons. When you implement a savings goal, you are more likely to save more money. It helps to create healthy and productive money habits.

Solution: Implement a savings goal. An emergency fund is a common, but great savings goal to start with. Once you’ve established your emergency fund, you can move onto paying off a debt. Then you can keep going with something else. Like a vacation fund, or new appliance fund, or a new to you car fund. With a goal in place, you’ll start to see how every money decision impacts your greater financial health.

One thing is for sure though, if you’re struggling to save money, you’re not alone. With the help of these 8 solutions, you’ll be well on your way to reaching your savings goals. Which of the 8 reasons do you resonate most with?