I love saving a little money when I can. Of course, I usually end up spending it on my grandkids anyway—but that’s just part of the joy! I made a list of 28 ways to save money, and they’re great for us grandmas! Some tips are pretty common, but others are fun and different—you might not have heard of them before.
1. Borrow Instead of Buy
Before I buy something new, I ask around to see if I can borrow it. Need a power washer? A friend might have one. Want to try a new book? The library has plenty! Borrowing saves money and keeps my closet from getting too full.
2. Make a Budget
I like to know where my money goes, so I keep a simple budget. I write down what I spend and what I earn. It helps me see if I’m spending too much on something—like cookies! And it reminds me to save for the things I really want.
3. Avoid Late Fees
I always try to pay my bills on time. Late fees might seem small, but they add up fast! I keep a calendar or set reminders on my phone so I don’t forget. Staying on top of bills helps me keep more money in my pocket.
4. Host Potlucks Instead of Going Out
Instead of eating at restaurants, I invite friends over for a potluck. Everyone brings a dish to share, and we all save money. Plus, it’s more fun and cozy to eat at home with people you love!
5. Grow Your Own Food
I love growing vegetables in my backyard. Homegrown food tastes amazing and saves money. Gardening also gives me fresh air and a little exercise—plus, it’s fun to watch things grow!
6. Using Cashback Credit Cards
If I’m spending money anyway, I like to earn a little back. That’s why I use a cashback credit card. It’s like getting a discount without needing a coupon. Many banks offer these cards. I even use a special Amazon card that gives me 5% back on Amazon purchases. That adds up fast!
7. Taking the Bus
I don’t need to drive everywhere. Riding the bus saves me money on gas and parking. Plus, I get to sit back and watch people—it’s like a free show!
8. Trade Instead of Spend
Sometimes, I trade things instead of spending money. I’ve swapped my homemade jam for a haircut and my knitted scarves for fresh fruits and veggies. Bartering isn’t as common these days, but you’d be surprised how many people are open to it. Just ask!
9. Making Homemade Gifts
Homemade gifts are special. I like to make things like crocheted blankets or fresh-baked cookies. They cost less and show people how much I care.
Want ideas? Check out my article: 30 DIY Gifts To Make With Your Grandchildren.
10. Cutting Hair at Home
This one’s not for everyone, but I used to cut my kids’ hair to save money. I wouldn’t cut my own, but it really helped back then. If you’re good with scissors, give it a try!
11. Fix Things Yourself
If something breaks at home, I try to fix it myself before calling someone. It saves money and makes me feel proud.
But be careful—only do repairs you know how to handle. When I’m not sure, I watch YouTube videos for help. There are tutorials for almost everything!
12. Shopping at Discount Stores
I shop at places like Walmart and Dollar General. Their prices are usually lower than regular stores. But I still like to support small, local shops when I can. Big stores may be cheaper, but local stores need our help too.
13. Plan Your Meals
Planning meals ahead of time helps me save money. I only buy what I need, so I don’t waste food. It also makes grocery shopping quick and easy.
14. Waiting for Sales
I always wait for a sale before buying something big. Sales help me stay on budget and avoid buying things I don’t really need.
15. Using the Library
Why buy books when you can borrow them for free? I use my library card to check out books, movies, and audiobooks. It saves money and keeps my brain sharp. Some of my friends even skip Netflix and just rent movies from the library. The savings really add up!
16. Buying Store Brands
I often buy the store brand instead of the big-name products. They usually taste or work the same—and they’re cheaper. My grandkids can’t even tell the difference!
17. Buying In-Season Fruits and Veggies
I buy fruits and veggies that are in season. They cost less and taste better. It also gives me a chance to try new recipes in the kitchen.
18. Canceling Subscriptions
I realized I didn’t need all those subscriptions. I canceled my gym membership and magazines—now I have more time for my favorite soap operas!
There’s also a helpful app called Rocket Money. It finds and cancels things you don’t use. Just know it needs access to your bank account to work.
19. Making My Own Cleaning Products
I make my own cleaning supplies with vinegar, baking soda, and lemon juice. It’s easy, cheap, and better for the environment. Or so I’ve been told!
20. Using a Programmable Thermostat
I’m not great with gadgets, but this one was easy. I set my thermostat to turn off when I’m not home, and now my energy bill is lower. Brands like Nest even help you set it up. The savings can pay for the device over time!
21. Asking for Senior Discounts
I’m never shy about asking for a senior discount. Lots of stores and restaurants offer them. If they don’t, I give them my best grandma look—and that usually works!
22. Cooking at Home
I’m no fancy chef, but I can make a yummy pot of spaghetti. Eating at home saves money—and I get to spoil my cats with the savings!
Want easy meals to make with the grandkids? Check out my recipe article: Easy Recipes to Make With Your Grandchildren.
23. Using a Reusable Water Bottle
I use a reusable water bottle instead of buying bottled water. It saves money and helps the planet. Plus, it gives me something to hold when I’m feeling a little nervous—LOL!
24. Shopping at Thrift Stores
I love a good bargain! Thrift stores are great for clothes, furniture, and other treasures. I even found a beautiful tea set that’s now in my living room. Try places like Goodwill or any local thrift store near you.
25. Hanging Clothes to Dry
I like to do things the old-fashioned way. I hang my clothes on a clothesline outside. It’s free, easy, and makes my clothes smell like sunshine! It might take more time than using a dryer, but I save energy and even get a little exercise.
26. Using Coupons
I never say no to a good deal. I cut coupons from the newspaper and print them from websites. I’ve saved so much that I joke I have coupons for the next 20 years! Check your mail or visit websites like slickdeals.net or coupons.com to find coupons.
27. Buying a Used Car
I don’t need a fancy car. I bought a used one instead. It may not have all the new gadgets, but it gets me where I need to go. And I don’t have to make big monthly car payments. They say a brand-new car loses value as soon as you drive it off the lot. I don’t know if that’s 100% true, but used cars work best for me.
28. Buying in Bulk
I like to stock up, so buying in bulk is perfect for me. When you buy more at once, you often get a better price. That means extra money for things like a trip to Florida! Stores like Costco, Sam’s Club, and even Amazon are great for this.
I hope you had fun reading these money-saving tips—I sure had fun writing them! Saving money doesn’t have to be boring. With a little creativity, it can actually be fun and exciting.
And who knows? If you keep saving, you might finally take that dream trip to Florida with your grandkids.
Just don’t forget the sunscreen—and maybe a few coupons too! 🙂
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