She Strengthens

Mastering Your Finances: 16 Simple yet Effective Habits

Rethinking Your Transportation

Start by relegating the Uber app to a “last resort” folder on your phone. Calculate the cost of your ride before calling one, and aim to keep it under $10. If you need to go farther, consider limiting your drinks and driving instead.

Smart Drinking Habits

Set a two-drink maximum at the bar, and consider making your own fancy cocktails at home before heading out. Also, avoid saving your credit card information online, and enforce a “wait three days” policy before making any purchases.

Savvy Savings Strategies

Set up automatic transfers to your savings account as soon as your direct deposit hits. This way, you won’t feel like you’re missing out, and you’ll be growing your savings simultaneously.

Dining Out on a Budget

Factor in the cost of tax, tip, and drinks when deciding whether to go out to dinner. Don’t be fooled by the sticker price – calculate the total cost before making a decision.

Coffee on a Shoestring

Stick to tea or drip coffee at coffee shops to keep your total under $3. Avoid bougie coffee shops if you want to save even more.

Grocery Shopping Hacks

Buy generic versions of certain staples like canned goods, peanut butter, and milk. Plan your meals for the week and bring lunch ingredients to the office to avoid overspending.

Accountability Partner

Share your weekly budget with a trusted friend or family member who will hold you accountable. This can be a great motivator to stick to your financial resolutions.

Cutting Back on Luxuries

Avoid ordering in when you can pick up food yourself, and cut “treats” out of your grocery list. Think of nice meat, fancy pesto, and good bread as splurges, not necessities.

Frugal Beauty Tips

Skip blowouts when you get your hair cut to save $25, and try using homemade cleaning products instead of expensive alternatives.

Clothing Care 101

Learn to care for your clothes and fix small problems instead of getting rid of them. This can save you money and reduce waste.

Free Fun with Friends

Always have a suggestion for a free activity you can do with friends, like going for a walk or hosting a gathering at home.

Nail Care on a Budget

Invest in a few good-quality nail polishes to avoid the temptation of expensive manicures.

Stay on Top of Your Finances

Make checking your bank account a regular habit, like checking your email or social media. This can help you catch any errors or discrepancies quickly.