Painless Ways to Save for a New Car

Need a new car? Check out these savings strategies to help you start saving for a new car. | Saving Our Money

Are you in the market for a new vehicle? Maybe you have had your old car so long that it’s time for an upgrade. If this is you, learn how you can start saving for that new car without having to take out a big car loan.

Saving is hard for most people without a strategy in place. It is easy to say that you want to save money each month, but it can be very hard to do. When it comes to big ticket items like cars, the challenge can seem like an overwhelming task you can’t pull off.

If you want a new car in your life, read on. Here are 7 savings strategies that anyone can take advantage of rather painlessly.

Painless Ways to Save for a New Car

Create a separate bank account

This is an important first step in getting started in saving for your new car. Now you have some place to put funds that are specifically for buying your new car, and you will be motivated to keep adding to the account when you can see the balance growing.

Bank your bonuses and raises

Many workplaces pay their employees a bonus around the holidays or throughout the year for performance appraisals. Instead of adding that money to your current income, place it in your separate savings account so that it can grow for you.

Pay yourself

Research how much it will cost to buy your dream car. And be realistic about what your dream car actually is – remember cars are a depreciating asset! Figure out a likely monthly payment and send that to yourself. You are the bank, so any money comes to you. Place it in your separate interest bearing account to accumulate.

Automatic debit

Set up an automatic transfer for each month, or even better, every payday. Instead of hoping you have money left over to put towards saving, have it automatically deducted from your account before you have a chance to spend it. Since you don’t see it each month, you are less likely to miss it, especially when you have a goal in mind.

Keep your car in mint condition

When it comes time to buy your new car, you can sell your existing car or use it for a trade-in. But, nobody will give you much money for it if the tires are bald, the seats are stained or the upholstery is torn. Regular maintenance is important. Taking care of your vehicle will not only help to ensure that your car runs properly, but help you maximize the amount you get from it to put towards your new vehicle.

Bag your lunch

Instead of spending five dollars here or ten dollars there on food at work, bring your lunch as often as possible. Lower your food budget while you build your car fund.

Save your change

Place any loose change that you have in your pockets in a jar at night. Also, be sure to check sofa cushions and your car for dropped coins. Before you know it you will have a jar full of coins that you can put towards your car fund.

Do you want a new car? Give yourself time, do lots of research and use these simple ways to begin paying for it now.

8 Simple Ways to Save Money on Travel Accommodations

8 simple ways to save on travel accommodations | Saving Our Money
8 simple ways to save on travel accommodations | Saving Our Money

If a family vacation or trip to another city is in your near future, chances are you’re looking for easy ways to save money on travel accommodations. I have great news. There are many ways to do just that. Keep reading to learn about a few simple tips that are sure to reduce the amount of money you pay for a room.

Book Mid-Week Reservations

You’ll typically save money on your hotel stay, if you are able to book mid-week. This is especially true if you’re traveling to specific locations like Las Vegas or Orlando. Believe it or not, some hotels almost triple their prices on the weekends. How do they get away with it? It’s a simple case of supply versus demand.

Reserve “Free Cancellation” Rooms

More and more online booking engines are offering travelers the chance to reserve “free cancellation” accommodations. is famous for this perk. The vast majority of accommodations offered on the site are “book now, pay later.” This allows you to choose your hotel room in advance, while keeping an eye on prices. If you happen to find something lower, simply cancel and rebook.

Book a Room in a Smaller Town

Are you vacationing in large city? If your answer is yes, consider staying in a smaller town nearby. It’s almost guaranteed that you’ll pay less for a room. The only exception to this is if you’re attending a super large event that people from all over will be attending. In this case, the more in advance you book, the better.

Inquire About Family Rates

Even if a hotel doesn’t publicly post an official “family rate,” that doesn’t mean you’re totally out of luck when requesting one. It never hurts to ask. In addition to actual discounted prices, family rates sometimes include free meals for kids, attraction tickets or other types of upgrades.

Subscribe to E-Newsletters

If you have a favorite booking engine or hotel brand, subscribing to their newsletter keeps you up-to-date on any specials offered. The same thing goes for social media accounts. Many times, hotels announce special deals for their followers only.

Check out Alternative Accomodations

Websites like Airbnb let you find suitable accommodations in people’s private homes. You can rent a room, a condo or a whole house, depending on your needs, at a variety of price points.

See also: 
Travel on a Budget: A Beginner's Guide to Airbnb

Delete Your Cookies

This is a trick that many people don’t know about. When you visit a website to get booking information, the site saves your search data. So, if you go back a second time without deleting your cookies you’re going to see the same price, even if the current price is lower… there’s even a chance you may be charged more!

Use Reward Programs

If you tend to stay at the same hotel chain, you’re leaving money on the table if you don’t sign up for their rewards program. To make the most of your membership, use the credit card attached to the program to pay the bill. Your points will rack up that much faster. (Just be sure to pay the credit card bill when it comes in!)

These are just a few ways to save money on travel accommodations. It seems pretty simple, doesn’t it? Probably the most important thing to remember is this: When you wait until the last minute to make reservations, chances are you will pay more.

How to Save Money on Travel with Free Festivals

How to Save Money on Travel with Free Festivals. Family travel.

Let’s be honest – planning an affordable family vacation can make any sane women trade in her cup of tea for a glass of wine. Thankfully, there is one trip planning secret that is often overlooked but can really add to the enjoyment of any trip: your ability to save money on travel costs with free festivals.

Depending on your travel destination, you are likely to find multiple events and attractions that are created to share cultural pastimes and traditions while educating people about things outside of their own back yard. The beauty of attending free festivals while travelling extends far past the chance it gives you to save money on entertainment. The truly infallible feature is that even with the diversity of each festival’s theme, each one is generally built on a foundation of good food, music, friendship and laughter – the ideal ingredients for a perfect day spent making memories!

Lessen the cost of entertainment while travelling

A family trip is a time to bond, be adventurous, spend quality time together, learn new things and create memories that will be treasured forever. It’s unfortunate that sometimes the expense of the trip itself gets in the way from some of the fun that we would like to have.

A lot of times the joy of travelling becomes a bit clouded by the cost of entertainment and sightseeing. However, by incorporating some free festivals into your family vacation plans, you can create memorable family moments without breaking the bank. Here are some ideas of types of free festivals to look for when planning your next trip:

Popular types of free festivals

  • Music Festivals
  • Art Fairs
  • Food Festivals
  • Cultural Celebrations
  • Community Events
  • Seasonal / Holiday Festivals
  • Renaissance Fairs
  • Film Festivals
  • Craft Fairs
  • Pet Shows

Save money while travelling by checking out free festivals in the area you're visiting

Tip: Check the community calendar of your destination

From art festivals to music venues, historical re-enactments to pet shows, it is not uncommon to find a destination offering you the ability to save money while travelling by attending a free festival or two during your trip. During the summer months many locales host festivals of some sort every weekend, if not all week long. Before deciding on a definite vacation week, check the community calendar of your destination to see what events are up and coming.

When you are making travel plans, remember that festivals are celebrated everywhere. So don’t limit yourself to only exploring your specific destination. Check festivals and events being held in nearby areas. With your family’s interests in mind, consider locations in the surrounding area that are easy to get to by car, and see what events are being held that could maximize your fun exposure while on vacation.

Free festivals are a great way to experience new things and save money while on a family vacation.

New experiences

Free festivals offer so much more than just a chance to save money travelling; they are a golden opportunity to experience something new and exciting while building a lifetime of memorable moments with your family.

There are so many festival types; you are bound to find one that everyone in the family will enjoy. But don’t be afraid to try something new. The ability to save money travelling with free festivals is a great way to expand your mind, and encourage your kids to appreciate the joy of the unknown. If the worse comes to worst and it’s not your cup of tea, no worries – it was free! So don’t think twice about hitting the road and moving on to the next adventure!

30 Fun and Frugal Date Ideas

Just because you’re on a tight budget or trying to save some money doesn’t mean you can’t have fun with your significant other. Here are 30 frugal date ideas for having fun together without spending much money.

Frugal Date Ideas with free printable


What’s your favourite cheap date idea? Mine’s a toss up between going hiking or visiting the farmer’s market. I’d love to hear yours!

Want a copy of this list of frugal date ideas? Download it for free here.

10 Ways to Make Money Online From Home

10 Ways to Make Money Online from Home

There are many great ways to make money online from home. Not only are the following options legitimate, many of them are quite fun too. So, whether you simply want a bit of extra spending money or you’re looking to make a few hundred dollars per month (or more), these suggestions are for you.

10 online money-making ideas:


You definitely won’t get rich from blogging overnight. But, if there is a subject you’re extremely interested in, blogging is a great way to learn more about it and to share the knowledge you already have and possibly earn some money in the process.

Direct Sales

Believe it or not, there are hundreds of direct sales companies to choose from. It’s not just Avon or Tupperware anymore. Many of these companies provide all the tools to make it entirely possible to build your business completely online.

Affiliate Marketing

Affiliate marketing is something you can do totally online with zero investment required to get started. Thousands of companies are in need of affiliates to sell their products. For every product you sell you get a commission.

Want to learn about Affiliate Marketing for your blog? I highly recommend Michelle Schroeder’s online course Making Sense of Affiliate Marketing.


Ebay has always been a popular way to make money online. Many sellers make thousands of dollars per year using this platform. If you’re not sure Ebay’s for you, start selling items from around your house. It’s the perfect way to clean out clutter and get your feet wet at the same time.

Sell Photos

If you enjoy taking pictures, there’s absolutely no reason why you can’t make money doing so. There is a lot of competition. However, it’s also a wonderful way to generate passive income. Once you license your photos to sell as stock photography, the only thing left do is collect your payments after each sale.

Produce Videos

Many people make money online producing videos for platforms such as YouTube. These videos can be monetized in several ways. If you’re an extrovert who loves interacting with people, producing videos could be for you.

Create Graphics

People like bloggers and affiliate marketers are always in need of great graphics. If you’re talented in this area, there’s definitely money to be made.

Write Content

Thousands of businesses, both big and small, need people to write content for them. In this case, all you need to get started are a few good writing samples and the wherewithal to contact businesses to see whether or not the owners are in need of fresh and frequent content.

Teach a Course

The popularity of platforms like Udemy make it super easy to teach a course on any number of topics. If you have a skill or hobby you can’t get enough of, don’t keep your knowledge to yourself. Generate income by teaching others what you know.

Be a Virtual Assistant 

When you choose to be a virtual assistant, the services you provide are up to you. You’ll probably be surprised by the number of people who need help with everything from writing to setting up a blog to social media promotion to almost anything in between.

These are just 10 ways to make money online from home. Better yet, many of these options don’t require a huge investment to get started. Why not choose one or two possibilities to research further? If those don’t work, simply go to the list until you find something you are interested in pursuing. You’ll be on your way to making money, before you know it.