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How to save money on a low income.

Find tips, suggestions and resources that will help you save money, even if you have a low income. The list below is divided into categories. It is possible for low to moderate income families, single moms and others who live paycheck to paycheck or on a fixed income to save money each month. Learn how to save money on all your bills.

Regardless of how much money you make, what your monthly income or weekly salary is, it is possible to cut back. Find the best ways to easily save money on groceries, utility bills, food, housing, shopping or living expenses and more. The monthly savings can be invested or put away for an emergency savings fund.  The bottom line is that every single dollar saved during your regular life can make a difference. As the fact is, a dollar saved is equal to even more than a dollar “earned” when factoring in taxes.

As noted, the free money saving tips below are broken up into categories. This will make it easier to find what you need. Just locate the expense below you are trying to reduce and there will be many suggestions on how to save money fast on a low income.

Easily save money on food, groceries and meals

Millions of people struggle to feed their family each month. Tens of millions of low-income families are on SNAP food stamps / EBT. It is possible to easily save money on your monthly grocery bill or food expenses. There are online or print at home coupons, free apps to help shoppers find deals, and ways to cut back on expenses such as bringing your lunch to work. Food banks can also be used to supplement your regular grocery shopping.

  • Saving money on food can also involve shopping “smarter”. This includes taking steps such as using unit pricing, understanding store brand vs. generic products and the pricing differentials and more. It is possible to still get healthy yet affordable food alternatives while easily saving money. Read how to save money on food and groceries.

 

 

 

Save money on monthly electric or utility bills

It is possible to save money on every single type of utility bill. Start to save money now on cable, phone, electric, light, gas, heating costs, internet, and more. There are many things a household can do on their own or they can get some help from government funded programs. Whether adjusting a thermostat, getting a free home energy audit or energy saving updates from your utility company, or other tips, the fact is there a number of resources are out there for low income families.

  • There are also emergency utility bill saving programs that a family can start doing today - in other words they allow people to save money right now. Some of the best programs also focus on senior citizens or disabled people on social security, as they often need help to cut back on their utility costs. Find how to save money on utility and energy bills.

Shopping - how to save money online or in physical stores

There are so many ways to save money on all the monthly shopping you do, whether it is online or in a store. Find how to save money on items you “need” for your family (food, clothes, etc.) as well as how to get deals or save on your “wants”, which may be electronics, toys, furniture and more.

  • Right or wrong, America tends to be a society of consumerism. Saving money is critical, especially for low income families, the elderly on a fixed income as well as single parents. There are free cash back programs, discounts for Amazon or other websites, rebate codes and so much more. Find free money saving resources for shopping.
     
  • Many people also use streaming services or the internet, both for watching TV and/or listening to music or the like. It is possible to get free service or consolidate them. Learn on how to save money on monthly recurring subscription services.

 

 

 

 

Save money on transportation, including gas, car repairs or work travel

It is possible to save money on your transportation needs. This involves everything from conserving gas or even getting discounts on your gasoline to easily saving money on car repairs, auto insurance as well as monthly auto loan payments. Whether it is to make your commute more affordable, or save a few dollars in your personal life, there are options.

  • The cost of transportation is often a barrier for low income families, single mothers as well as young people. But many resources are out there. Or find how some charities can offer some financial help to help fill some of your gas tank, or maybe offer money for repairing a car. Find steps to take for saving money saving on transportation expenses.How to save money fast

Get free stuff to help cut back on expenses

Of course the best way to save money is to supplement your income or lifestyle with free items or maybe even grant “money”. There are a number of things to do for free, grants to apply too, affordable family activities, and more available. You can find free coupons, discount code or learn how to go on activities or sightseeing adventures. Or low-income families can get free stuff from pantries, gyms, clothing centers and other charities.

  • Low income families, the disabled, seniors or people living in poverty can apply for these free items to help them save, ranging from clothes to computers to even grants. Using one of these services will obviously help an individual save a significant amount of money on their monthly bills as they will not need to purchase the stuff they need. Find a comprehensive list of free stuff.
     
  • Or some free stuff may be available in your everyday life. This can be effective for saving money on entertainment (such as free library cards) and similar needs. Save money on everyday events and bills.
     
  • Cell phone apps allow people to get free stuff or save money too. They can be installed on a smartphone in a matter of seconds and be used for both offline or online shopping. The services can help save money on everything, including food, shopping, clothes, medications, and more. They give out free samples, products, or cash back benefits. Find Android and iPhone apps for making/saving money.
     
  • There may also be free money, cash, gift cards and more. Learn how to make free money fast, which is the same as (if not better than) saving a dollar or two. There are many companies and programs to use. The free money programs are really more about saving money in addition to receiving financial benefits. There are tools to use such as rebates, coupons, online shopping, survey sites, and other sources. Get details on free money.

 

 

 

Financial literacy advice helps people find ways to save

Less than 30% of schools teach financial literacy. Financial literacy, budgeting, and “understanding” money are very important skills to have as you learn how to save money. Teens, and their parents, can improve their financial knowledge to learn how to save on their bills, and the money can be used to save for a college eduction or maybe a house in the future. Or invest the monthly savings into a stocks, bonds, a 401K, or investment account.

  • Learn how enhanced financial literacy will help you cut back and save. Most adults as well as children can’t answer basic financial questions. Those skills are so critical to saving money, budgeting, investing, and living within means. Our website provides free advice, tips, forums and support. Find help improving financial literacy skills.
     
  • Find how critical budgeting is to saving money and getting ahead in life. What good is saving some cash if you just blow the funds on something else? A budget, along with understanding and analyzing income, expenses, and general financial education is also very important for a low income family or anyone living paycheck to paycheck. Learn more about budgeting.
     
  • Knowledge and communication can help people save money each month. Even through a credit counseling agency. Be sure to talk to your creditors to ask for relief or use a non-profit. Try to lower a payment on say a cable bill or car payment, as this can help you save money and improve your monthly budget. Learn how to get free credit counseling.

Health and dental care money saving tips

An increasing number of families (whether low or high income) are struggling to keep up with their medical costs. We do have suggestions on how to save money on everything health care related. Save on insurance plans, prescription drugs, dental care, monthly premiums, and everything else that is becoming more expensive.

  • It is possible to save money on medical bills. There are prescription drug discount cards, healthcare apps, insurance marketplaces for affordable plans, tele-health and other programs. Many income based clinics also help low-income or uninsured families save on their medical or dental need. There are many free resources out there. Find how to save on medical and dental costs.

Save on housing, rent and home repairs

Repairing parts or all of a home can be expensive. This is even more true for low income families, the elderly, disabled, widows, and others. There are ways to both save money on any house work that needs to be done. Or learn how to apply for assistance today, including low cost loans or government grant money.

 

 

 

 

 

 

  • There are ways for low-income families to save money on monthly housing costs. The federal government, and some state or local municipalities, have income based homes, subsidies, vouchers and other resources. One of the primary benefactors of the government money are local non-profits and charities, which help lower income families save money on the cost of rent. More on housing assistance programs.
     
  • Other options are DIY projects, volunteer groups, charities, and non-profits which all can help with home repairs by maybe donating time or material. Whether it is fixing a roof or plumbing, or doing yard work, there are opportunities to cut back on home repair expenses and savings available. Find tips to save money on home repairs.
     
  • Save money as well while updating and remolding your home, apartment or even a room. Whether you own a house, or rent a home/apartment, there may be times when you want to remodel parts of it or maybe “freshen” up a room. There are ways to remodel a home or a room on a budget. Or also find home to save money on more “major” updates to your property. Find tips as well as information on government assistance, that may be available for updating a home or room on a budget.

Christmas, Thanksgiving, and school shopping season saving opportunities

Low to moderate income families often struggle to pay the bills during so called seasonal events. Households expenses normally increase during that time frame. It is possible to cut back and save money during the holidays. This may be gifts needed for Christmas or holiday food. Or it can be a challenge during Easter, fourth of July, or back to school shopping season.

    In addition to the tips on how to find deals and save money on everyday shopping (which will help during seasonal events), there are other programs in particular for single parents, the unemployed or families living in poverty. Find how to save money on seasonal events.

Low-income family vacation saving tips

It can be expensive to take a vacation while living on a low or fixed monthly income. Whether it is a day trip or multiple day vacation, money can be saved. Airfare, hotels or lodging, car rentals, meals, and all those other costs add up quickly. There are some things you can do to save money or maybe get cash back or reward points on a vacation.

 

 

 

Companies that help you save on your monthly bills

There are professionals, even companies, who will help you save money each month. They work on a contingency basis - meaning they only get paid if they are successful in saving you and your family money. Bill negotiation services will work with corporations ranging from cable service providers to cell phone companies, internet providers and others in an effort to help you save money by cutting your bills.

  • The professionals know all the tips and tricks to use and take to help you save money. Everything they provide is free of charge and can help the under employed and low income in an emergency. More on bill negotiation services.

Conclusion - Anyone can save money now

It is never to late to start to save money, and today is as good a day as any to start. As anyone who is looking for information on saving money knows, there are literally thousands of websites, blogs, publications, and people who are willing to give their advice. The amount of free information out there on how to save a little money each month is overwhelming. We have tried to compile some of these tips into our site.

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By Jon McNamara

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