5 Financial Tips To Save Money in 2022

How small changes make a big difference

Kimberly 01/18/22 (PDT)

Did you know that 65% of Americans aren't saving enough money to retire comfortably?  That's a staggering statistic, but one that you don't have to be a part of if you make small changes now. Saving money doesn't have to be difficult and it doesn't mean you have to forgo all the things you enjoy. If you're striving to get your finances in order this year, here are 5 easy ways to start saving now:

Record your expenses

The first step in saving money is evaluating your spending habits. When you know better, you do better. Create a log where you can input all your online purchases and start placing all your receipts from in-store purchases in an envelope. Once you have all the data from the month, organize the numbers by category (gas, groceries, mortgage, utilities, etc.) and total each amount. After evaluating the results, you can then determine which areas need to be adjusted & develop a personal budget that will help you achieve your financial goals.

Eat at home

Did you know the average household spends around $3500 on food outside the home each year? That's $290 per month! Buying lunch or going out for happy hour a couple times a week may seem harmless, but those expenses add up quickly. You can buy a solid week's worth of groceries for the same price as two dinners out. Try packing a lunch to take with you to the office and keep your eating out to a minimum – you'll be amazed as you see your savings pile up month after month!


Automate your savings

Like the old saying goes, “out of sight, out of mind”. Set up automatic transfers from your checking account to a savings or retirement fund.   You can also apply the same method to your debt. This is a simple way to ensure you never miss a payment and you won't have to worry about the money being moved.  

Use RebatesMe for Cash Back

By far, the easiest change to make is to start using RebatesMe for all your online shopping trips. Why not earn Cash Back on all the things you're planning to purchase anyway?! There are more than 4,000 stores and tens of thousands of products and services to choose from, so chances are that the item you're looking for is eligible for Cash Back. Just getting started? Download our Google Chrome extension, which does the work for you – you can activate Cash Back and apply any coupons with a single click. 

Manage your subscriptions

Chances are you're paying for multiple subscriptions like Netflix, Hulu, Spotify, gym memberships & subscription boxes…which means you may be paying hundreds of dollars a month on things you probably don't need. Take a look at your bank statements and identify everywhere your money is going. Then, pause or cancel any subscriptions or services you don't need. And for those subscriptions you do want to keep around, think about sharing memberships with some family or friends. A lot of streaming services, like Netflix and Hulu, let you watch your favorite shows from two or more screens (with an upgraded account). That way, everyone wins—and saves!


If you want to start earning Cash Back on all your purchases, including travel, food, entertainment & more, you can sign up for a new RebatesMe account for free. We'll even give you a $10 bonus to help kick-start your earnings . Sign up today!


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