We Saved a Lot of Money By Making 3 Simple Changes

Everyone talks about how to save money on groceries, but we found a few other places where we could make some simple changes and save money as well. In 2011 we began making changes to how we spent our money. There are 3 things in particular that we changed.

Dining Out

We use to go out for lunch at least 2 times a week. Most times it was because we were already out doing other errands or appointments, but sometimes it was just because we didn’t feel like making something at home.

dining outLunch typically cost $20 for the 2 of us. So we were spending $40 a week or $160 a month on lunches. Not only was that not good for our wallet but it wasn’t good for our health either. Our favourite meal back then was chicken fingers and fries at Dairy Queen. Full of carbs, which certainly wasn’t good for either one of us.

Last June we stopped going to Dairy Queen, and we stopped going out twice a week, both for health and money reasons.

We actually only eat at restaurants once a month, which costs us around $35.00.

When we made the decision to stop eating out so much I thought we would feel deprived, but we actually feel much happier and healthier.


Ahhhh... Starbucks. For a while there it seemed as if we owned shares in Starbucks. There was a time when we went to Starbucks everyday of the week, spending $8.72 a day between the 2 of us.

We were spending close to $3,182.80 a year at Starbucks.

Now we make our Starbucks drinks at home and maybe once a week, if we are out doing errands, we grab a drink at Starbucks.

Hair Salon

hair salonYou don’t realize how much you spend on getting your hair done several times a year until money gets really tight.

I use to get my hair coloured twice a year and cut 4 times a year. One day I came out of the hair salon and told my husband that my colour and cut cost $170. Neither of us could believe that I had just spent that much on my hair. But I was actually doing that twice a year. Just a cut was costing me between $50 and $60. That is approximately $440 a year just for my hair.

When I was in college my girl friends and I would colour each other’s hair. So I figured I better start doing that again.

Now instead of having my hair coloured at the hair salon I buy a box of Garnier Hair colour crème for $9.99 and my husband helps me colour my hair.

Although these are all simple changes we really have saved a lot of money by doing things differently.

What simple changes have you made to save yourself some money?



    • 20sfinances

      20sfinances 02/22/2012 3:43 p.m. #

      Nice work! I can hardly convince myself to eat out more than 1x per month because it is so expensive.

    • Tackling Our Debt

      Tackling Our Debt 02/22/2012 4:17 p.m. #

      Good that you already live that way. Put all that money towards better things.

    • Modest Money

      Modest Money 02/25/2012 11:48 a.m. #

      Yes we all have different ways that we can save money. I'm also guilty of dining out too much, but I'm going to make a conscious effort to avoid that next month. Good idea to dye your hair at home too. I can't believe women have to spend so much getting their hair done. As a guy I'm happy with a $15 buzz cut.

    • Tackling Our Debt

      Tackling Our Debt 02/25/2012 12:35 p.m. #

      You guys have it really lucky when it comes to cutting your hair. Easy and inexpensive. Dining out for us was\is more for convenience sake. Sometimes it is just nice not to have to make dinner, isn't it?

    • Lauar @ No More Spending

      Lauar @ No More Spending 02/26/2012 10:19 a.m. #

      I don't colour my hair, although I probably should! I go to a salon every 8 weeks. but I do shave hubby's hair to save us money :)

    • Tackling Our Debt

      Tackling Our Debt 02/26/2012 12:24 p.m. #

      Thanks for stopping by Lauar. I know a lot of women that get their hair coloured every 8 weeks. Sometimes it can be difficult to do it yourself especially if you like highlights and lowlights. I just do a solid colour so it works well (I hope).

    • Financial Knowledge

      Financial Knowledge 02/27/2012 12:29 p.m. #

      We used to spend a small fortune eating out every week. One of our major goals is to limit it to a few times a month now.

      Last week was my first fast-food-free week in as long as I can remember!

    • Tackling Our Debt

      Tackling Our Debt 02/27/2012 12:32 p.m. #

      That is a huge accomplishment! Good for you!

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