34 Lazy Ways to Save Money When You're Too Lazy to Plan #16

Saving money doesn’t have to mean sacrificing your lifestyle or turning into a financial wizard. In fact, you can save big by being, well… lazy!

These hacks are designed for anyone who’d rather binge-watch a series than build a complicated budget but still wants to watch their savings grow.

Get ready to discover the ultimate guide to effortlessly keeping more cash in your pocket—without lifting more than a finger.

1. Automate Your Savings

• Treat your savings like a non-negotiable bill. Set up automatic transfers to your savings account the moment your paycheck hits.

• Apps like Plum and Acorns round up your purchases to the nearest dollar or pound and stash the difference. It’s painless saving at its best!

2. Create Emergency and Sinking Funds

• Emergency Fund: Start with at least $1,000 to cover unexpected expenses.

• Sinking Fund: For predictable annual expenses like car insurance or holiday shopping, calculate the total, divide by 12, and save monthly.

3. Use Cashback Websites

Before making any online purchase, visit platforms like TopCashback or Quidco to earn cashback. These small rewards can add up over time!

4. Delay Impulse Purchases

Add items to your cart, but wait 48 hours before checking out. Chances are, you’ll forget about half of them and save a bundle.

5. Browser Extensions for Discounts

Install tools like Honey or Rakuten to automatically find and apply coupon codes while you shop online.

6. Maximize Loyalty Programs

Always use loyalty cards when shopping. Store them in your phone's wallet to avoid forgetting. Loyalty prices can save you up to $20 per month on groceries!

7. Practice Gratitude Over Comparison

Social media shows off liabilities (stuff people bought), not assets (their actual wealth). Focus on your own financial goals instead of comparing yourself to others.

8. Optimize Compound Interest

• Move your savings into higher-yield accounts or investments like ETFs or index funds.

• Even a small amount invested monthly can snowball into significant wealth over time.

9. Review Annual Expenses

For recurring costs like insurance, use comparison sites like GoCompare or MoneySupermarket. Switch to better deals when available.

10. Have a No-Spend Weekend (or Month)

Designate a weekend or an entire month where you avoid spending on anything unnecessary. Focus on free activities and enjoy life without financial stress.

11. Make Do with Pantry Staples

Instead of running to the store, get creative with what’s already in your kitchen. It saves money and reduces food waste.

12. Delay Replacing Light Bulbs

Only replace bulbs in essential areas. Use natural light during the day to cut electricity costs by up to 20%.

13. Simplify Your Wardrobe

Stick to a minimalist wardrobe with versatile, favorite pieces. This reduces clothing expenses and decision fatigue.

14. Unsubscribe from Unnecessary Subscriptions

Limit streaming services or memberships to one at a time. Apps like Truebill or Rocket Money can cancel subscriptions for you.

15. Batch Cook Weekly Meals

Spend a few hours cooking for the week. It’s cheaper, healthier, and saves you the hassle of deciding what to eat daily.

16. Use Cashback Accounts for Everything

From groceries to travel bookings, look for cashback opportunities. Over time, these small wins add up to significant savings.

17. Embrace Natural Beauty

Save on makeup and grooming supplies by embracing your natural appearance. Less is more!

18. Shop for Groceries Online

Avoid in-store temptations by shopping online. Stick to your list and opt for curbside pickup to save time and money.

19. Pay for Shipping Instead of Overspending

Don’t fall for the “free shipping” trap. Paying the shipping fee is often cheaper than buying extra items you don’t need.

20. Set It and Forget It

Automate recurring payments for bills, savings, and investments. That way, you don’t have to remember anything!

21. The “One Swipe, One Think” Rule

Before swiping your card, ask yourself, “Do I really want this?” A simple pause can save you from countless unnecessary purchases.

22. Lazy Envelope System

Use a banking app to create budget categories (e.g., “Food,” “Fun”). Check your limits weekly—no physical envelopes needed.

23. No-Spend Hours

If a no-spend day feels impossible, start small. Pick an hour (like 2–3 PM) and commit to spending nothing during that time.

24. Round-Up Apps Are Your BFF

Let apps like Qapital round up your purchases and save the spare change. It’s effortless micro-saving!

25. Make a Gratitude List

Write down what you’re thankful for. Focusing on what you have curbs the urge to spend on things you don’t need.

26. Use Sinking Funds for Big Purchases

Instead of using credit, save small amounts monthly for larger expenses like vacations or tech gadgets.

27. Remove Saved Payment Information

Delete stored credit card details from shopping sites. This extra step gives you time to rethink purchases.

28. Invest for Compound Growth

Once debt-free, start investing consistently. Automating contributions to stocks or mutual funds ensures your money grows without added effort.

29. Say No to Social Obligations

Decline plans that don’t excite you. It saves money and lets you recharge at home.

30. Keep Your Shoe Collection Minimal

A few versatile pairs of shoes are all you need. This saves money and simplifies your life.

31. Use Comparison Sites for Bills

Regularly check for better deals on utilities and insurance. Sometimes, direct providers offer exclusive discounts.

32. Utilize Cashback on Big-Ticket Items

Earn cashback when purchasing expensive items like electronics or travel. Check multiple platforms for the best deal.

33. Invest in Learning About Money

Follow financial blogs, podcasts, or books like The Psychology of Money. Small mindset shifts can lead to big savings.

34. Enjoy Lazy Savings, Stress-Free

By incorporating these habits, you’ll save time, reduce stress, and build wealth without lifting a finger. Start small, stay consistent, and let your laziness work for you!

Saving money doesn’t have to feel like a chore.

By adopting even a few of these lazy-friendly tips, you can grow your savings, reduce financial stress, and still enjoy the little things in life.

So, which tip are you going to try first?

Let me know how it works for you!

And if you found these ideas helpful, don’t forget to share this with your fellow lazy savers.

Let’s all embrace smarter, lazier ways to save! 💸✨