Mom tips

How to save money

How to save money.

how to save money

Are you looking for ways to save money? I’m always looking for ways to save money so I compiled a list of 15 of my best tips to save money.

This post contains affiliate links. Upon purchase, I do earn a small commission at no extra cost to you. My disclosure is here.

I’m a work from home mom who also homeschools. What helps me save our money the most is using my personal planner that helps me with everything, every single day.

Planning ahead will always help you save money. It’s always super helpful to have a budget planner, separate for just your finances.

Saving money is my jam and I’m always trying to save cash. We’ve lived on a budget for MANY years so we save money on the regular and it’s simple to us now.

If you’re looking for tips on how to save money, you’ve definitely come to the right place. Let’s go ahead and get started.

FREE PLANNER PRINTABLES to help organize your life.  

Part of the reason I’m good at saving money and living on a budget is by having an organized planner. I use a personal size moterm planner for my everyday use. 

For work, I use a personal size Finsbury. I like to keep both planners separated.

A ring planner is so easy for me to manage as s super busy mom. I’m constantly working so having a ring planner makes things simple for me and it can make yours simple too. 

Here are 4 free printables to help organize your life. They are a free undated daily, to-buy list, notes page, and also a brain dump list.

I truly hope you enjoy it! 

how to save money

How to save money. 

Here are 15 ways how I save money and what’s worked for us for years. I truly hope they help you save your coins.


  • The first step I take to save money is I plan ahead. I am SERIOUS. 

I’m constantly trying to pre-plan everything. I’ll get a little deeper into that later on. 

Anything I order online is pre-planned. Do yourself a huge favor and pre-plan everything you need to order online.

Try to plan out months in advance, if you like to plan ahead. Otherwise, even a month or two in advance will help you save money.

Create your wishlists, to-but lists, everything ahead of time. You’ll save money by not impulse buying.

Helpful lists to have in your planner.

The to-buy lists I have in my planner include gift lists, wishlists for my family members and I, home to-buy lists, and a running to-buy list for anything in general. These lists help me to have everything written down so that when it’s time to shop, it’s all ready.

I even have my own wishlist in my planner and I only order one item a month in order to save myself money to not overspend. Ordering one item per month has helped me stop impulse shop and gives me something to look forward to monthly. 

My kids can only have one toy a month and that seriously cuts us back on spending. Before, they were getting so many toys monthly whenever we would take them with us to grocery shop.

Now, we save money by ordering a great toy online once a month. They take better care of the toys they wait for! Get creative with it!! 

The point is to save money you need to be disciplined with how you spend the money you earn.

Plan out your meals ahead of time.

Pre-plan your meals for you and your family a month ahead. 

I KNOW! Trust me, I never wanted to do this either. 

It’s pretty tedious but there’s a reason for this tedious step. It really does help you save money and helps you stick to a budget. 

I’ve been pre-planning my meals weekly for many years. Only recently did I make the change to pre-plan my meals a month in advance.

It’s already made such an impact! We have many more dinner options on deck and it’s limited us from having to go grocery shop so much.

More tips on how to save money.

  • Only grocery shop once a week or once every two weeks in order to not spend extra money. 

If you go to the grocery store twice a week or even just grab a few ingredients you forgot to get from dinner, I guarantee you will want to spend more.

I used to with my oldest after school to grab food items I had forgotten previously. All of a sudden, a cute valentine’s day mug and a toy for my baby ended up in my cart.

They were unexpected expenses. That’s why it’s so important to not forget any items that may come up.

  • Don’t eat out so much!

Meal planning a month ahead will truly help you avoid doing this. Even having a month’s worth of dinners planned ahead will help you out tons.

Recently, I’ve started to pre-plan breakfast options and lunch. This has helped me save money with our snack budget.

Kids love to eat snacks! That’s why I started setting up their lunch plates with more of a meal than just little snacks.

Those little snacks add up into spending more money! Be careful what types of snacks you’re purchasing because you could be spending more than you even need to.  

Get creative on how to save your coins.

  • Invest in making your own favorite breakfast, lunch, and dinners. 

My husband and I actually have a favorite breakfast spot a town away and in order to save $15-20 a morning, we bought our own panini machine. Same with a waffle maker.

Invest in simple inexpensive help to make your favorite meals that imitate your favorite take out places. Think of your favorite take out dishes and look up the recipes for them.

Try to cook them yourself. Or do what we did, which was to buy machines that’ll help you make them.

Think outside of the box and get creative. It will help you save so much in the long run!

  • Save a small percentage of your check for savings. 

Sadly, emergencies always come up. It’s better to have money in your account instead of not. 

Whenever you get paid, put a little money off to the side. At least $40 a check in my opinion.

This will help you have a little extra cash when you’re out. Do it every single check.

More ways on how to save money.

  • Avoid getting into debt. 

Do not get into debt! Try to avoid it as much as possible. 

Avoid taking out loans and don’t buy stuff you can’t afford. Instead, make goals on what you want to get one day.

  • Use a spending tracker to keep track of what you spend daily. 

Spending trackers will really open your eyes! You don’t need a spending tracker just to “see” how much money you spend.

This is more of a real eye-opener to see whether you’re disciplined or not when it comes to spending your hard-earned money. Trust me, two months of that spending tracker will have you reducing how much you spend real fast!

  • Pre-plan your monthly budget and everything you may need to buy. Record the expenses.

It helps to plan ahead. Whenever I do that, I at least have a picture of what I’m going to need to buy.

This reminds me to not spend so much and wait to use it. Some months are pricier than others but it’s up to you to figure that out.

Avoid overspending on things you don’t need right away.

  • Do not buy so many clothes. Space out your purchases as part of your wish list. 

I’d love to grab everything off my wishlist the minute I get paid. However, it’s called a wishlist for a reason.

You need to work hard for it. Try saving your money by purchasing one item from your wishlist monthly.

Clothes are pretty but you don’t need new clothing all of the time. That’s not something you need right away and you’ve got to wait on that.

  • Take the time to learn how to DIY whatever you can.

For me, I do my nails from home. I invested in a nail dryer and gel polishes to do my nails from home once a month. 

There are much craftier people out there than me but that’s normally what I try to do is save money by not getting my nails done. You can brainstorm a list of 10 things you can do at home instead of buying to save money.

Spend your money on what matters most.

  • Don’t go out as much. Honestly, we invested in Hulu, Netflix, and Disney plus for a reason.

We can watch the latest movies without the expense of a family of 4 going to the movies. Also, you can rent movies on YouTube and watch from the comfort of your home.

You save money on snacks and tickets. Save money this way!! 

  • Save money on kid’s clothes by shopping at Target with the Cat & Jack brand.

Trust me, it’s worth it to make the switch financially! The clothes are super cute and trendy.

For the most part, I remember the price being $5 a shirt and $5 for pants. To me, that was a great deal especially because the clothes were so cute.

The last of my tips on how to save money.

  • Pack your lunches for school and work. Avoid eating out for lunch and make your own iced drinks and coffee from home.

I make my own tea from home. Invest in your own tea maker and coffee maker.

Also, invest in a YETI mug and YETI tumbler to keep your drink warm. 

  • Another tip I have is to work as much as you can.

Find a job you love and enjoy doing that way when you put in extra hours it’s not that terrible. There will be times where you’ll need to work more to make more money. 

  • Before you make a purchase online check other places first before you place the order.

I learned that the hard way! Before you buy check target, Walmart, and Amazon.

I always pick the cheapest option! Make sure you’re double-checking around were to make the most affordable purchase. 


I hope my 15 tips on how to save money have helped you out a lot. Feel free to leave a comment down below if they have!

Honestly, I think it’s great for any mom to budget and it can only help your family. Hopefully, this has helped give you even more ideas on how to budget.

What’s coming up on mrsplanahead? More fall content and planner related content!

I’m so excited for the holidays and I hope you are too. God bless you and thanks for stopping by.

Until next time,



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