Kiersti Torok

Top 5 Money Saving Tips for 2024

A new year brings with it the chance to embrace better habits and leave behind those that no longer serve us well. One of the easiest steps we can take is to ensure that we’re managing our finances right. Let me help you steer your finances in the right direction with these money saving tips for 2024 and beyond.

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Financial responsibility is one of the best ways we can improve our financial picture. It’s also the best step to take to protect against unexpected challenges, such as sudden bills or career shifts. It’s also the key to unlocking our dreams, whether that’s planning a trip to Disney World or saving for your family’s dream home.

Essentially, it’s about being smart with our finances, ensuring our family is safe and secure, even when life brings unexpected twists.

#1. Create and Stick to a Budget

Track your expenses and set a budget for different categories like food, entertainment, and utilities.

By understanding where your money goes, you can identify areas to cut back. budgeting allows us to match our spending in real life to our goals on paper

It’s tempting to just order takeout on those nights when cooking feels like a chore, but if our budget doesn’t stretch for dining out, then we know it’s off the table until next month.

#2. Cut Down on Recurring Expenses

Look for ways to cut or lower regular bills such as utilities, subscriptions, and insurance. This might involve negotiating with service providers, switching to more affordable options, or canceling services you don’t use often.

Streaming services and subscription services that you do not use, or use infrequently, are low-hanging fruit and you should cancel those right away!

A smart financial move is to opt for subscriptions that either give away products for free or at a low cost, or those that come with a complimentary service period. But let’s be real, sometimes we (yes, me too!) forget to cancel these subscriptions, and then we find ourselves paying for something we hardly use, or suddenly we’re charged the full price.

#3. Use Coupons and Cash Back Apps

Using coupons in 2024 is incredibly convenient. Say goodbye to the old days of hunting for coupons in newspapers, spending hours cutting them out, and causing headaches for unsuspecting cashiers.

First thing to do: Download the app of the stores you frequent the most. There are coupons for popular items that will come off right at the register!

Second thing to do: Download the cash back apps. You can often stack these offers with coupons and sales to get huge savings!

Cash back Icons

#4. Build an Emergency Fund

An emergency fund is a great idea when saving money. Essentially, it’s a financial safety net designed to cover unexpected expenses like medical emergencies, car repairs, or if you were to lose your job.

Experts say you should try to save enough to cover three to six months’ worth of living expenses. First thing to remember is to start small, if necessary, and gradually build it up. This fund can be a lifesaver in times of need and can prevent you from falling into debt.

Another bonus is that you can stash this money in a high-yield savings account or a money market account, which can earn you way more than what a regular bank would offer for a savings account. It’s worth shopping around for the best rates. This way, you’re actually making money on your money while building up an emergency fund.

#5. Save Automatically

Set up automatic transfers to a savings account. Even small amounts saved regularly can add up over time. This helps in building a savings habit without needing to remember to transfer money each month.

A key rule I always remember is to pay yourself first. If you wait and just save whatever’s left at the end of the month, chances are there won’t be much, if anything, to put away.

There are also some good apps that can save money for you automatically. Keeping your savings separate from your spending money is a smart move, as it adds extra steps and time to transfer funds back to your checking account.


If you’re on a mission to straighten out your finances this year, here are the steps to get you there. And hey, with the money-saving tips you’ve learned, you’re already off to a great start!

Want more saving money tips on your household essentials? Come follow me on TikTok and let me show you what I got!

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