This is how I saved over $ 15,000 a year without feeling left behind

A man showing how he saved over $ 15,000 in a year (without feeling any disadvantage)

Image via SiC

Money can release or detain you.

I liked both. First it slammed me on the ground and then released me.

I remember the day when I was forced to face my financial reality. I had just finished studying and was unemployed. I had a pile of student loan debt. I worked part-time as an assistant to make ends meet.

Even if I had only a few hours a week, it was still enough to grow my budget. To make matters worse, my health problems have increased.

I had to find a way to make up for the difference. I started looking for a way to make money. I read articles, took free online courses, attended seminars, met financial professionals, and tried all the money-saving hacks I found.

In the end, I learned how to save over $ 15,000 a year without making a big sacrifice. To be confident that this article is not Clickbait, I'll show you an accurate $ 15,000 calculation.

The average American household saves about 6-8% of their income each year, so I feel forced to share the secrets of these money. These stats may look like a decent amount, but they aren't really enough to affect your overall wealth. Further savings are needed to achieve the financial goals of a comfortable retirement, buying a home, or having a dream vacation.

But that doesn't mean you have to give up what you enjoy. You also don't have to force yourself to live a simple life.

When you're ready, here are 18 smart ways to save over $ 15,000 each year without feeling any disadvantages or major lifestyle changes.

1. Cut the rope

If you're paying for a cable package even if you haven't seen it, it's time to downgrade.

You can save over $ 100 a month or over $ 1200 a year by switching to a basic cable bundle or disconnecting the cable completely.

If you're an OTT person, limiting your streaming subscription to one may also help.

2. Burn calories without paying

As a member of the gym, you can pierce your pockets rather than burn calories.

So it's time to rethink how to stay healthy.

Instead of lifting weights in the gym, choose free or cheap methods such as tire training, home exercise, outdoor walking and running, hiking, swimming, and using online exercise apps.

You probably pay about $ 50 a month or $ 600 a year for membership.

3. Brown tote lunch

Eating out for lunch can cost you $ 10 to $ 20 a day, which can be over $ 2000 a year.

Bringing lunch from home can save you over $ 1000 a year.

More importantly, a healthy diet prevents future health spending.

4. Reduce mobile data plans

If you're paying for a mobile phone data plan that you're not even using, it's time to cut.

You can save about $ 30 a month or $ 360 a year by switching to a cheaper cellular data plan.

If you have the internet at home, 5GB of data per month is sufficient. Free internet service is also available in cafes, restaurants, libraries and public buildings.

5. Clip coupons

Clipping coupons never go out of date. They can help you save a considerable amount of money on groceries and other household items.

For example, if you spend $ 100 a week on groceries, you can save about $ 20 a week, or more than $ 1000 a year, by cutting out coupons.

If you're shopping online, install Chrome extensions such as Honey and Karma that automatically search for coupons before you check out.

6. Downgrade your car insurance

If you`re paying for more car insurance than you need, it`s time to downgrade to a cheaper policy. In fact, many car insurance companies offer policies for as little as $25 per month.

So, by downgrading your car insurance, you can save $300 per year.

7. Love the homemade coffee

I know you love Starbucks. So instead of buying it, learn how to make it at home.

Buy a second-hand French press or single-serve coffee maker that produces the same flavor as your favorite coffee.

You will still get your caffeine boost, but you will save a lot of money.

If you spend $ 3 to $ 5 on coffee every day, it will be over $ 1000 a year.

8. Don't burn your lungs

Smoking is bad not only for your health but also for your wallet.

According to the National Cancer Institute, cigarettes average $ 6.28 per pack, $ 188 per month, or $ 2,292 per year (if you smoke one pack a day).

9. Shopping at a consignment store

Those who are not good at designer brand clothes!

Therefore, you need to consider a consignment store. We offer everything at up to 75% of the original price. You will be amazed at how much you can save without compromising quality or taste.

I can save an average of $ 200 a year.