Six Easy Ways to Save Money

Are you willing to stop losing money?  The average American loses hundreds of dollars every month on meaningless expenses.

The good news?  This is an easy fix.  Check out these 6 easy (and I mean super easy) ways to stop losing money. 

What do you intend to do with the money you save?  Stash it away for a vacation?  Buy that item you've been dreaming about?  Finally pay off some of that old credit card debt?

1.  PACK YOUR LUNCH FOR WORK. If you’re buying lunch every day at work, there’s a good chance you’re spending at least $8 per workday ($160 per month) on food. Keep that money in your pocket by preparing a large dinner and taking the leftovers for lunch.

2.  DRINK MORE WATER Not only does drinking plenty of water have great health benefits – it has financial benefits too.  Replace expensive sodas, juices, and energy drinks with a big glass of water. Even better, use a refillable water bottle to save more money and reduce your carbon footprint.


Avoiding instant gratification is one of the most important rules of personal finance. Forcing yourself to wait 30 days to decide on a non-essential purchase is an excellent way to start saving money.

After a month has passed, you’ll often find that the urge to buy has passed and you’ll have saved yourself some money (and space in the house) by simply waiting.  30-days sound like it’s too long? Start with a 3-day rule!

4.  TURN OFF THE LIGHTS. Keeping the lights on in your home may not be expensive on a per-watt basis, but it sure does cost money over time. To save as much as you can, turn the lights off when you leave the room and use natural sunlight when possible.

While you're at it, consider turning off the air conditioning to save even more.

5. TURN OFF THE TELEVISION. Another big way to save money is to cut down on the amount of television you watch. There are a lot of financial benefits to this: less exposure to spending-inducing ads, a lower electric bill, and perhaps a lower cable bill (if you’re able to downgrade your subscription).

You can also consider switching to a streaming service for a drastically cheaper option. Check out Roku, Google Chromecast, and Amazon Firestick for some affordable alternatives (all less than $50!). 

6. GET THE UPPER-HAND, ON SECOND HAND. The internet is an amazing place and has made it extremely easy to find pre-owned items at great prices. Consider looking onOfferUp, eBay, or Letgo next time you need to make a major purchase.

You might also consider checking out your local yard sales. They can be a  great place to score deals on items you need – housewares, shoes, clothing, even sports equipment.

The key is to be careful to not use the low prices found at sales as an excuse to buy things you don’t need. Limit yourself to items that were already on your list of things to buy.

What are you saving for?

Olive Branch Financial LP

Contact: +1-657-900-5997

Hours of Operation:

7:00 am - 7:00 pm (PST)

Monday - Friday

8:00 am - 2:00 pm (PST)


Off hours available by appointment. 

Closed on Federal Holidays

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Olive Branch Financial is a debt settlement company that operates in some but not all states in the United States, Olive Branch Financial does not accept any clients who do not meet with a consultant for an in-person consultation. If you reside in a state that we do not accept clients in, we may be able to refer you to another company for assistance. 

Olive Branch Financial negotiates unsecured debts on behalf of its clients and does not assume its clients’ debts, make monthly payments to creditors on clients’ behalf, or give clients tax, bankruptcy, accounting, or legal advice. We do not provide credit repair services. Please contact a tax professional to discuss potential tax consequences associated with settling debts for less than the full balance. Please read and understand all of Olive Branch Financial’s Program requirements and Olive Branch Financial’s service agreement before enrolling into Olive Branch Financial’s Program.

The use of debt settlement services will likely adversely affect your creditworthiness, may result in the balances of your enrolled debts increasing due to the accrual of legal fees and interest on your accounts and you being subject to collections actions or lawsuits brought by your creditors. The settlements we negotiate on behalf of our clients resolve the entire account, including all accrued interest and fees. We cannot guarantee that we will resolve your debts and results will vary based on your individual circumstances.