How to Get Better with your Money in 2019

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When you want to improve your cash flow and overall money situation, you may need to make some small and big changes in your life. Financial advisors often recommend that you pay yourself first, which means putting money into savings. If you have any debt, it’s also important to consider a physician refinance and keep up with payments. Consider trying some of these surprising tips on how to save on your monthly expenses and put the difference into your savings account or toward your existing debt. 

Downsize Your House 
Think about whether you need all the space that your house or apartment has to offer. If there are two people in a 2,000 square foot space, you could downsize to a home or apartment half of the size and save money. Bigger living spaces have higher utility bills. They also have higher property taxes, maintenance,and upkeep needs. You could save both time and money by downsizing. If you need a big space because you have a lot of stuff, consider selling the items you don’t use regularly. Be ruthless in getting rid of clutter. Even if you don’t sell the items, a donation could be worthwhile for your taxes. 

Enter Legitimate Contests 
You probably follow different companies, television and radio stations on social media. These entities often have contests to win free things. Keep in mind that you should never pay a fee to enter a contest or collect your prize. Some common contests include free tickets for a movie or concert or a free dinner at a newly opened restaurant. Watch for seasonal contests, too. You might win a $100 shopping spree for school supplies or holiday gifts simply by entering your name. 

Eat More Soup 
Many people spend a lot of money going out to eat. You may also go grocery shopping, filling up your refrigerator, freezer,and cabinets with expensive prepared foods, convenience items,and ingredients that end up spoiling or otherwise going to waste. Try eating more soup. Making your own soup isn’t difficult and doesn’t take much time. You can customize it to your preferences, such as gluten-free or vegan. Something as simple as chicken noodle soup only takes 30 minutes to prepare. You can even cook it in a slow cooker. Set it up on a Saturday morning, run your errands and come home to a house that smells wonderful and a meal that’s ready to eat. 

Go Thrift Shopping 
Visiting thrift stores is like traveling back in time. There are the occasional strange things, but you will find diamonds in the rough. Keep a list of things you need, such as a few board games for winter entertainment or some replacement jogging pants. Thrift shops are also a great way to pick up things you’ll only need to use once or twice. Instead of spending $300 on a dress for a special occasion, wearing it once and letting it sit in your closet, go to the thrift store and spend $10 or $20. Wear it once, then donate it back to the thrift store. Thrift shops, consignment shops, rummage sales,and online garage sales are an excellent source to replace household items such as mixing bowls. They are also an affordable way to get gently-used kids’ clothes and inexpensive supplies for hobbies.