Finance life hacks Uncategorized

#4 How to save money when you have no money!

How to save money when you do not have money! Some hacks, tips and advice on making the most of the money you have!

How to save money when you have no money! These are tips that I use myself, plan to use and that my friends are already using!

How to save money on food as Uni Student (not recommended for those trying to lose weight or be healthy)  Have instant noodles for dinner or other instant foods or frozen meals. For those who find cooking two-minute noodles too hard, buying one take away meal a day and eating it over three meals ( or two if you skip breakfast). Save those discount food coupons on the backs of receipts or ask your friends for vouchers they don’t want. Also be the bold one that asks if anyone wants to take away the rest of the food, if no one else wants it, take it-it is basically free food for your next meal. Learn to cook yourself and meal plan! This is more healthy and also stops you from being tempted to eat out after a long day at work or Uni..

Do Volunteer at events… you don’t get paid.. but usually, some sort of food or free stuff is given! I got free Weetbix, banana and a pretty awesome shirt for volunteering once. ⁃ Help people out ( out of love), sometimes they might shout you, but don’t expect it though Also learn to grow your own vegetables and fruits, there are plenty of videos on Youtube that teach you to grow food from the groceries you buy ⁃ Grow your own meat!! Jokes.. but yeah chickens do lay eggs and goldfish die..

Save money on the non-essentials! Find free parks in the city no matter how far you have to walk! Its good exercise and saves $$$ and pressure from finding short parks nearby and decreases the risk of getting a parking ticket.

On the topic of exercise…If you like doing classes like Zumba then join a gym! It actually works out cheaper ( if you go regularly) and most gyms now offer 24/7 access to members. It is basically it is like a second house you can access anytime… My gym is conveniently located in the middle of the city and has showers, toilet, and a small kitchen area. So you can basically live there if u want! They also provide free breakfast.. if cereal is your thing… You can also fill your bottle and get free wifi!\  The gym is also a good place to practice dance moves because there are a lot of mirrors around  ..It is handy for checking yourself out if you don’t have a full-length mirror at home.

Bulk buy stuff and compare prices before buying stuff you know you will use! For example, toothbrushes, buy big bottles of conditioner and shampoo, toothpaste or contact solutions etc. If you have a Costco membership, or even better you piggyback someone else who is going there anyway and had membership.. buy heaps of things you know you will use eventually! If you don’t have a friend with Costco membership, before going groceries or shopping of any kind, gather all the latest catalogs and compare the prices of the stuff you need and write down where to get therefrom. ⁃

Always carry in your wallet cash, metro cards, plastic bags, student ID and loyalty cards! You don’t wanna be caught paying a surcharge for placed with a minimum on epftos. I tend to keep track of my money better when I see cash decrease in my wallet… more than in my bank account. It is always good to have your cards on you, in case you have memberships giving you discounts at particular shops and who wants to get caught out paying full price for a bus or movie tickets? Some places in Australia are charging for plastic bags when shopping, so unless you are really good at carrying 50 things with your hands to your car, bring reusable bags with you when shopping (or waste another 10 cents buying another one 😦 )

Don’t buy new stuff if you can help it.. i.e go online and see if people are selling used stuff you want online.. certain things don’t necessarily need to be new to be used.. i.e cars (better from a trusted dealer), books ( as long as they didn’t graffiti it) and I personally don’t mind good quality second-hand clothes! Always wash it before wear tho! Second-hand bags and furniture can also be a good buy.I wouldn’t buy used makeup, sanitary stuff, expired food or underwears tho .. or bedding. I will let you in on a secret, half my wardrobe are handed down to me from my older sister or bought from second- stores :O  It is not only good for the environment, but you get an awesome range of clothes!

Make use of the internet! Use apps or websites like Motor Mouth to find the cheapest places selling petrol around you. ⁃ If buying technology stuff and office works sell it, bring evidence of it being cheaper online and show them ( incl. shopping) and they will match it and even better give you 10% off on top! ⁃ Buy generics if it’s not something super important and risky. I bought a generic ink for my hp printer, works fine and is like half the price! I personally don’t use generics for my prescription medications, but if you aren’t picky like me, generics should work the same as the original.

Learn to DIY if possible! For example, learn to dye your own hair, cut your fringe or make your own clothes etc. This can help recycle things and think of new uses for things before tossing or donating them. For example, old t-shirts can be used as hair towels or be made into a pillow-case or a teddy bear etc.  Keep all your unused plastic bags and use them as rubbish bin liners instead of buying bin liners. Use cardboard boxes for storing stuff or as a small table…

Be stingy! Take cutlery and extra serviettes when eating out…I also take extra wasabi and ginger at sushi train (  I am bad asss) ⁃ Get as many free samples of stuff as u can! Not only do u get to try cool stuff… it saves u money on actually gettinm to try before u buy! ⁃ My friend told me this one.. apparently ASOS an online clothing store allows free returns of items at no cost before a certain period as long as the product is in good condition and price tag and everything is kept.. so what my friend did was buy a dress for her dental ball and then returned it the next day.. free of charge gg #lifehacks

⁃ Ask for free advice from shopkeepers and pharmacists...  It is free health and fashion advice! Say yes to free makeovers and perfume samples!!  Go to free expos, CPD training ( for health professionals) because there are free food and education!

Gaining some spare change: Recycle plastic bottles and get rewarded with 10 cents! If you got heaps of time… fill out surveys and stuff and win or get free stuff ⁃ Do paid experiments… I personally dont fo any medical ones.. coz I hate blood tests and risking my life.. but I take part in economic experiements, which are pretty fun and they reimburse you a small amount for your time in money!

Hacks that can save some money! Wait until “happy hour” or near closing time of a food court and go buy cheap food that is on sale (usually)! Go to grand openings and special events to get cheap or free food/stuff.  Become a foodblogger and get your food for freeeee! This happens when you are a bit more well-known in the industry, those food places value your honest feedback and it gives them free exposure and advertisement of their restaurant.  Remember to bring along your camera to take good photos of their food though! People eat with their eyes! *__*

Ask your friends for lifts carpool (helps save the environment and petrol $) make sure you return the favour too ⁃ See movies when its cheap tuesday! ⁃ If going overseas, dont buy tickets last minute.. buy early when there is a sale! This is not possible sometimes due to work commitments. Remember to utilise  what is free for all at workplaces, whether that is free coffee, milk or fruits! It is there for you to eat, so why not take some every day?

Get a rainwater tank and use it to water your plants! ⁃ Solar power is good too .. if u have money to invest ⁃ Health insurance is worth it..! Esp if you need glasses like me!! And i like to see a dentist every six months.. if u know the dentist, they might even bulk bill u! I.e no gap payment needed. ⁃ Prevention if health problems is better and less expensive than the cure.. i.e my ear and keloid ⁃ Look after yourstuff! Incase u need to sell it.. ⁃ Regift gifts that you will never use and that someone else might like! Only good quality and useful stuff ⁃ Share meals between friends

Grab free stuff from hotels, incl toiletries .. within reason ⁃ If it’s complimentary.. why not try free trials, but make sure you read the important parts of the terms and conditions and that you can easily unsubscribe at anytime.

Utilise the web: Do join Spotify families and net flix fams ⁃ Discount websites like Ozbargain,  Scoop on, Catch of the day, for a hotel .. booking.com.  Do research before buying something costly and do ask friends for their advice on where to find the cheapest of something!

 

I hope this helps you save a bit more money and stretches out your budget until payday!

 

I would love to hear of your own tips on saving money, as this list is not exhaustive, please leave a comment below!

On another note, I am editing my first video for my “How To Do With Joy” Channel! These videos will be on some of the same similar/same topics as those which are on this blog.

 

I will leave the link here and please like, subscribe and comment on my channel !

How to Do with Joy

See you soon!

 

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