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Amazon Prime Day is here – July 15 – 16th only! If you’re looking to save money on Instant Pot products, I’ve gathered the best deals for you!

Join Amazon Prime

These deals are for Amazon Prime members ONLY! Don’t worry if you’re not a member because you can sign up with a free trial.

Note: Click through to see the latest price as they aren’t reflected in the images below.

Milk Frother Instant Pot Deals Blenders Air Fryer

If you make a purchase through the Amazon links above, I will receive a small commission, at no extra cost to you. Thank you!

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Make Mocha at Home without a Machine! - YouTube

Do you love mocha but feel like it’s too hard to make? Or you need special equipment? What if I told you that you can make mocha at home, using tools you already have?

Mocha is one of my all time, favorite espresso drinks!

And once upon a time (before I had 2 kids), I made mocha by grinding gourmet espresso beans and brewing it in a moka pot. But now, as a busy and sleep deprived mom, I ain’t got no time for that!

So I came up with this super simple recipe that you can almost make in your sleep! And it uses common ingredients and needs no special tools.

Because we all know what waking up in the morning is like… you’re barely awake, much less barely alive (before coffee), stumbling into the kitchen, Walking Dead-style!

When you’re in this state, you’ll find yourself making this simple Double Chocolate Mocha recipe, time after time. Wait, did I just say double chocolate? Heck yeah!

This mocha is made with 2 kinds of chocolate because we all need to treat ourselves right! So take a moment and sip your mocha in the morning. Have that ME time! You deserve it!

And because you’re making this at home, you can have it every day, save money, and save a trip to the coffee shop.

Electric Frother: https://amzn.to/2JlcSPi

Print
Double Chocolate Mocha
Ingredients
  • 1 cup milk
  • 1 tablespoon cocoa powder
  • 1 square dark chocolate baking bar OR 1 tablespoon dark chocolate chips or bittersweet chocolate chips
  • 1 teaspoon instant espresso powder or instant coffee use a bold coffee for best results
  • 1 – 2 tablespoon sugar
Instructions
  • Heat 1 cup of milk in a pan over medium heat.
  • When the milk starts steaming, add cocoa powder and whisk until there are no lumps.
  • Add chocolate from baking bar or chocolate chips.
  • Then add the espresso powder and mix.
  • Pour into a mug and add sugar to taste.
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Matcha Green Tea Latte - YouTube
Jump to Recipe

Are you obsessed with matcha as much as I am? Matcha Green Tea Latte is one of my favorite, go-to drinks in the mornings!

I used to buy this at Peet’s Coffee but didn’t want to drive there all the time. So I learned how to make it at home and found out how easy it is!

Matcha green tea powder is originally made in Japan. It’s the actual tea leaves that are ground into a fine powder so it’s pretty potent.

Matcha is rich in antioxidants called polyphenols, which may protect against heart disease, cancer, blood sugar reduction, and aid in anti-aging.

The taste is slightly bitter but when balanced with milk and honey, it’s rich, smooth and dark.

Make sure your matcha comes from Japan as the ones made in China might contain lead! Yikes!

How to Mix Matcha

Matcha is a little tough to mix, especially if you try to mix it into milk. Matcha powder has a cocoa powder consistency so it tends to clump up.

So it’s best to mix the matcha first with a tablespoon of hot water to form a paste. Then it will mix better with steamed milk.

I use a bamboo whisk that’s specifically for mixing matcha. It definitely makes it easier! You can use a metal whisk but it’s a harder to mix with it.

Some people sift their matcha with a strainer. I don’t do this because it doesn’t make a difference to me.

Kinds of Matcha

There are 2 grade of matcha to pay attention to:

  • Ceremonial grade – good for drinking when mixed with hot water as a straight tea.
  • Culinary grade – great for baking, cooking, and lattes and smoothies.
Where to Buy Other Places to Buy Matcha
  • Costco
  • Trader Joe’s
  • Asian Grocery Store
  • Whole Foods or other health food store
  • Amazon

If you make a purchase through the Amazon links above, I will receive a small commission, at no extra cost to you. Thank you!

Print
Matcha Green Tea Latte
Are you obsessed with matcha? Matcha Green Tea Latte is one of my favorite, go-to drinks in the morning and it's so easy and quick to make at home!
Servings 1
Equipment
  • Small pot
Ingredients
  • 1 tablespoon hot water
  • 1 teaspoon matcha green tea powder
  • 1 cup milk
  • 1 – 2 teaspoon honey
  • Milk Foam optional
Instructions
  • In a mug, add matcha powder to hot water. Mix well with a bamboo brush or whisk until a paste forms.
  • Heat milk in a pan on medium heat until it starts to steam. Remove from heat and pour into mug with matcha paste.
  • Sweeten with honey to taste.
  • Add milk foam from a milk frother. (optional)
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Save Money without Coupons - YouTube

Everyone is super busy nowadays but we still want to save money. But how do you save money without wasting your time?

I want to share with you what works for me, as a busy wife and mom of 2, who also runs this blog and a YouTube channel. Some of my tips below will help you save money month after month after doing the work just once!

If I’ve gotten your attention, read on…

1. Compare Prices

Look at the things that you buy the most and spend the most money on each month. Then compare prices on those things.

Don’t waste time comparing prices on every single thing that you buy! The key here is to figure out where you can get the most savings on stuff that you spend the most money on.

For us, we spend a lot on diapers (until my son is fully potty trained, fingers crossed). So I compared prices on diapers, using the per unit price. I checked prices at stores near me like Target, Costco, Safeway, and of course, Amazon.com. Safeway and Target had low prices for regular diapers and Costco was the lowest for PULL-UPS.

I use a grocery price list, like the one pictured below, to figure this out.

Grocery Price List printable from the Living Richly on a Budget Shop How to use a Grocery Price List
  • Track the prices of 5 – 10 items you buy most often.
  • Use a calculator to figure out the unit price (price divided by unit). Example: $24.99 divided by 20 lbs = $1.25/lb.
  • Highlight which store has the lowest price.

You can make your own and snag a copy of my Grocery Price List below.

2. Buy in Bulk

We all know that Costco is a great place to get things in bulk. But you have to watch out for impulse buys that can make you go over budget!

Yes, it has a ton of cool new stuff every time you go. Sometimes the cool stuff sells out too. So strike a balance by allotting extra money for impulse buys and give yourself a time limit.

Great things to get in bulk are toilet paper, paper towels, laundry detergent, and other stuff your family uses the most.

3. Shop at Trader Joe’s

If you don’t live near a Trader Joe’s, move on to the next tip.

Trader Joe’s is a better priced Whole Foods with a curated selection of popular items.

What’s great about Trader Joe’s is that their prices are competitive, since they negotiate the best prices and deal directly with the food manufacturers. Everything also has a fixed price like for produce so you never have to weigh anything or guess prices.

They also have a variety of snacks, specialty items, frozen foods, etc. Trader Joe’s doesn’t sell a ton of different things like an average grocery store, but what they do carry, is really, really good!

I love that when I go there to buy something, I don’t have to decide among 5 different brands. They make it easy for me. Most of the stuff is from their own house label and they also have a few other brands for certain things.

They only sell things that people want to buy and they constantly add new items. And things that don’t sell well, get discontinued.

I love buying chicken here because their prices are low and the chicken is always fresh. They get daily deliveries and sell out of their chicken by the end of the day (at least at my Trader Joe’s) so the chicken never just sits there for days.

Other favorite things I love are their snacks, ice cream, desserts, breads, and more.

4. Cut Expenses that Don’t Matter to You

Know what you like and don’t like. This matters because when you focus your budget to spend more on things you care about and less money on things you don’t, that’s how you “live richly.”

Other blogs will tell you to cut spending on everything, even the things you care about. But if you do, you won’t be happy!

You have to be able to enjoy your money and things that make you happy. That totally matters!

Don’t compare yourself to what other people are doing. I know it’s hard with social media nowadays. But it’s about what YOU like, not what someone else tells you to like or what someone else is doing.

If you love coffee from Starbucks every morning, then budget for it. And then cut spending elsewhere on something that doesn’t matter to you like cable.

Seriously, don’t spend time worrying about what other people think of you! They aren’t paying your bills so why does their opinion matter? You are more mature and evolved than that.

Live your life for yourself and do what you want with YOUR money!!!

Get more money saving tips:

5. Meal Plan

Start a meal plan because guess what? Whether you have a written meal plan or not, you still are “meal planning” when you’re at the grocery store. Meal planning happens in your head at the grocery store, if you haven’t written it down and it makes it more stressful, especially if you’re shopping with kids!

Check out my posts about Meal Planning to get ideas and get started.

6. Buy Organic on a Budget

If you want to eat healthy but still save money, how do you buy organic on a budget? Focus on the buying organic for the Dirty Dozen (foods with the most pesticides) and buy conventional for the Clean Fifteen (foods that have the least pesticides). FYI: this is applies for the US only.

The Dirty Dozen and the Clean Fifteen comes from the Environmental Working Group at ewg.org.

Grab your free printable of the Organic Shopper’s Guide pictured above.

7. Budget and Partition Your Money

My last tip is to budget your money, of course! Budgeting is not for poor people but for people who want to manage their money well!

Every company and corporation has a budget and even feature films rely on a budget. Wealthy people use a budget too so that they can stay wealthy. So why not you too?

Also, it’s helpful to separate your money. Like have a separate account for the bills and another one for variable spending. Or use cash envelopes to keep things under control.

Learn more about budgeting below:

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7 Ways to Save Money Fast - YouTube

Everyone is super busy nowadays but we still want to save money. But how do you save money without wasting your time?

I want to share with you what works for me, as a busy wife and mom of 2, who also runs this blog and a YouTube channel. Some of my tips below will help you save money month after month after doing the work just once!

If you’ve gotten your attention, read on…

1. Compare Prices

Look at the things that you buy the most and spend the most money on each month. Then compare prices on those things.

Don’t waste time comparing prices on every single thing that you buy! The key here is to figure out where you can get the most savings on stuff that you spend the most money on.

For us, we spend a lot on diapers (until my son is fully potty trained, fingers crossed). So I compared prices on diapers, using the per unit price. I checked prices at stores near me like Target, Costco, Safeway, and of course, Amazon.com. Safeway and Target had low prices for regular diapers and Costco was the lowest for PULL-UPS.

I use a grocery price list, like the one pictured below, to figure this out.

Grocery Price List printable from the Living Richly on a Budget Shop How to use a Grocery Price List
  • Track the prices of 5 – 10 items you buy most often.
  • Use a calculator to figure out the unit price (price divided by unit). Example: $24.99 divided by 20 lbs = $1.25/lb.
  • Highlight which store has the lowest price.

You can make your own and snag a copy of my Grocery Price List below.

2. Buy in Bulk

We all know that Costco is a great place to get things in bulk. But you have to watch out for impulse buys that can make you go over budget!

Yes, it has a ton of cool new stuff every time you go. Sometimes the cool stuff sells out too. So strike a balance by allotting extra money for impulse buys and give yourself a time limit.

Great things to get in bulk are toilet paper, paper towels, laundry detergent, and other stuff your family uses the most.

3. Shop at Trader Joe’s

If you don’t live near a Trader Joe’s, move on to the next tip.

Trader Joe’s is a better priced Whole Foods with a curated selection of popular items.

What’s great about Trader Joe’s is that their prices are competitive, since they negotiate the best prices and deal directly with the food manufacturers. Everything also has a fixed price like for produce so you never have to weigh anything or guess prices.

They also have a variety of snacks, specialty items, frozen foods, etc. Trader Joe’s doesn’t sell a ton of different things like an average grocery store, but what they do carry, is really, really good!

I love that when I go there to buy something, I don’t have to decide among 5 different brands. They make it easy for me. Most of the stuff is from their own house label and they also have a few other brands for certain things.

They only sell things that people want to buy and they constantly add new items. And things that don’t sell well, get discontinued.

I love buying chicken here because their prices are low and the chicken is always fresh. They get daily deliveries and sell out of their chicken by the end of the day (at least at my Trader Joe’s) so the chicken never just sits there for days.

Other favorite things I love are their snacks, ice cream, desserts, breads, and more.

4. Cut Expenses that Don’t Matter to You

Know what you like and don’t like. This matters because when you focus your budget to spend more on things you care about and less money on things you don’t, that’s how you “live richly.”

Other blogs will tell you to cut spending on everything, even the things you care about. But if you do, you won’t be happy!

You have to be able to enjoy your money and things that make you happy. That totally matters!

Don’t compare yourself to what other people are doing. I know it’s hard with social media nowadays. But it’s about what YOU like, not what someone else tells you to like or what someone else is doing.

If you love coffee from Starbucks every morning, then budget for it. And then cut spending elsewhere on something that doesn’t matter to you like cable.

Seriously, don’t spend time worrying about what other people think of you! They aren’t paying your bills so why does their opinion matter? You are more mature and evolved than that.

Live your life for yourself and do what you want with YOUR money!!!

Get more money saving tips:

5. Meal Plan

Start a meal plan because guess what? Whether you have a written meal plan or not, you still are “meal planning” when you’re at the grocery store. Meal planning happens in your head at the grocery store, if you haven’t written it down and it makes it more stressful, especially if you’re shopping with kids!

Check out my posts about Meal Planning to get ideas and get started.

6. Buy Organic on a Budget

If you want to eat healthy but still save money, how do you buy organic on a budget? Focus on the buying organic for the Dirty Dozen (foods with the most pesticides) and buy conventional for the Clean Fifteen (foods that have the least pesticides). FYI: this is applies for the US only.

The Dirty Dozen and the Clean Fifteen comes from the Environmental Working Group at ewg.org.

Grab your free printable of the Organic Shopper’s Guide pictured above.

7. Budget and Partition Your Money

My last tip is to budget your money, of course! Budgeting is not for poor people but for people who want to manage their money well!

Every company and corporation has a budget and even feature films rely on a budget. Wealthy people use a budget too so that they can stay wealthy. So why not you too?

Also, it’s helpful to separate your money. Like have a separate account for the bills and another one for variable spending. Or use cash envelopes to keep things under control.

Learn more about budgeting below:

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Money management is notoriously challenging for couples but definitely easier to handle if you’re by yourself. Add your significant other and it can spell disaster.

When I was single, dealing with finances was simple. And I naively thought that they would stay that way when I got married.

But during the first year of marriage, I was in for an unpleasant surprise. My husband and I had different views about money and they clashed, of course.

Opposites attract. But when it came to money, our views didn’t clique. Whose does?

Most couples have a tightwad while the other is a spender. Without the tightwad, you’ll never save. Without the spender, you’ll never go on vacation.

So both balance each other out and that’s important. Also, some people have trust issues when it comes to money. Money is tied to different emotions – fear, love, guilt, comfort.

I had to learn how to communicate better about money without involving emotion or starting a fight. It’s still a struggle but I’m learning every day.

Suze Orman covered these secret money management tips for couples on her TV show. And she’s so on point.

1. Pay bills together.

In most situations, one person pays the bills, while the other is not involved and is more carefree about spending. Am I right?

If you’re reading this, you’re probably the one who pays the bills!

Paying bills together helps you stay on the same page. It’s a challenge to start but once you do, it’s worth it.

The data is in front of you and there’s nothing to hide. When you both see the bills, you’ll both be mindful of how much things cost and why you have to stay on budget.

2. Have a joint account for expenses and contribute equal percentages into it.

Everyone has their own view of individual accounts vs. joint accounts. Don’t get hung up on that.

At a minimum, have a joint account where you contribute equal percentages. Then use that account to pay the bills.

Equal percentages makes it feel more fair so that the person who makes less, doesn’t feel they’re at a disadvantage.

3. Don’t keep financial secrets.

Credit card bills and debt are easy to hide and can be a source of shame. It takes guts and courage for a person to reveal that they’re in debt.

If you suspect the other person is hiding something, be gentle and supportive. Create a positive environment so that they can trust you.

If you’re the one who’s keeping a secret, it’s time to be truthful. The longer you hold the secret, the worse it will be.

Make a plan on how you’re going to fix it.

4. Don’t make major purchases without consulting the other.

This is huge! Agree on the amount that you’ll consult each other for, like anything over $100.

5. The person who earns the most money doesn’t have more power in the relationship.

Money equals power in business but in relationships, that doesn’t work as well. Your relationship is an equal partnership.

Want to get started budgeting together? Check out Budgeting Made Easy.

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Want to remember this? Post this Grocery Sales Cycles -When Do Things Go on Sale to your favorite Pinterest board!

Ever wonder when things go on sale at the grocery store? It’s called a grocery sales cycle. Well, stop guessing.

Here’s your guide to grocery sale cycles for the entire year! Know when to stock up on certain grocery items and when to wait until things go on sale.

Get the best deals and plan for the whole year. See below on how to save on organic and gluten-free foods.

Get a FREE printable version of this list when you subscribe here. You can unsubscribe at any time.

January

National Oatmeal Month: Quaker
Diet Foods: Healthy Choice, South Beach, Lean Cuisine, Special K, Kashi, Smart Start, 100 Calorie Packs, Yogurt
Super Bowl Sunday: Pepsi, Coke, Chips, Dips, Cheese, Sandwich Items, Crackers, Snacks, Wings
Seasonal Produce: Oranges, Pears, Grapefruit, Tangerines, Broccoli, Carrots, Cauliflower, Celery, Chard, Collards, Kale, Kiwi, Avocado, Cabbage, Spinach
Clearance: Christmas Decorations, Toys, Wrapping Papers,
Winter Health: Cold Medicines and Vitamins

February

National Canned Food Month: Canned Fruit, Pie Fillings, Vegetables, Meats: Tuna, Chicken, Salmon
National Hot Breakfast Month:  Malt O Meal, Oatmeal, Eggo Waffles, Syrup
Valentines:  Chocolate, Hershey’s, KY Lubricant, etc
Chinese New Year: Soy Sauce, Teriyaki Sauce, Noodles, Canned Water Chestnuts
Seasonal Produce:  Artichoke, Asparagus, Raspberries, Potatoes, Strawberries, Broccoli, Carrots, Cauliflower, Celery, Chard, Collards, Kale, Kiwi, Avocado, Spinach

March

Frozen Food Month: Ice Cream, Frozen Vegetables (Boxed, Bag, or Steam), Frozen Meals, Foster Farms Chicken, Waffles, Pizza
Seasonal Produce: Artichoke, Asparagus, Haas Avocado, Broccoli, Cabbage, Carrots, Cauliflower, Celery, Chard, Collards, Fennel, Kale, Leek, Lemon, Lime, Mushrooms, Spring Onions, Orange, Peas, Radish, Rhubarb, Spinach, Strawberries, Tangerine

April

Easter:  Ham, Eggs, Spices, Baking Supplies: Sugar, Spices, Baking Mixes, Chocolate Chips, Butter, Coconut, Marshmallows, Brownie Mix, Cake Mix
Earth Day: Organic Foods, Energy Saver, Reusable Totes
Seasonal Produce: Artichokes, Asparagus, Beets, Broccoli, Cabbages, Carrots, Grapefruit, Haas Avocado, Mushrooms, Onions, Peas, Rhubarb
Clearance: After Easter sales

May

Print what’s on sale for May only here.

Celiac Disease Awareness Month
Memorial Day: BBQ Sauce, Condiments, Charcoal, Salad Dressing, Potato Chips, Dips, Grilling Meats, Hot Dogs, Hamburger Meat, Marinade, Salad Greens
Paper Products: Plates, Utensils, Insect Repellant, Sunscreen
Cinco De Mayo: Salsa, tortillas
Seasonal Produce: Artichokes, Asparagus, Avocado, Beans, Green, Beets, Blackberries, Carrots, Sweet Vidalia Onions, Peas, New Potatoes, Raspberries, Strawberries

June

Print what’s on sale for June only here.

National Dairy Month: Eggs, Milk, Ice Cream, Cheese, Cream Cheese, Butter, Yogurt, Whipping Cream, Whipped Cream, Cool Whip
End of June is Fourth or July Sales: Hot Dogs, Hamburgers, BBQ Sauce, Ketchup, Condiments, Charcoal, Salad Dressing, Potato Chips, Dips
Seasonal Produce: Apricots, Blackberries, Blueberries, Boysenberries, Cherries, Corn, Cucumber, Eggplant, Grapes, Honeydew, Nectarines, Peaches, Potatoes, Raspberries, Red Onions, Squash, Summer, Strawberries, Sweet Vidalia Onions, Tomatoes, Watermelon

July

National Ice Cream Month
More 4th of July BBQ Sales: Hot Dogs, Hamburgers, BBQ Sauce, Ketchup, Condiments, Charcoal, Salad Dressing, Potato Chips, Dips
End of July: Back to School Sales Begin: Crayons, Pencils, Folders, Binders
Seasonal Produce: Asian Pears, Bartlett Pears, Beans, Green, Blueberries, Corn, Cucumber, Eggplant, Figs, Garlic, Grapes, Nectarines, Onions, Red, Valencia Oranges, Peaches, Sweet/Bell Peppers, Plums, Potatoes, Summer Squash, Tomatoes, Watermelon

August

Back to School: Pudding cups, Lunch meat, Lunchables, Bread, Cold Cereal, Waffles, Lunchboxes
Disinfectant:  Clorox, Purell
Clearance:  Insect Repellant, Sunscreen, Charcoal
Seasonal Produce: Gravenstein Apple, Haas Avocado, Green Beans, Beans, Berries, Corn, Cucumber, Eggplant, Figs, Grapes, Melons, Onion, Peaches, Bartlett Pears, Bell Pepper, Plums, Raspberries, Summer Squash, Tomatillo, Tomato

September

Back to School Sales through Labor Day:  Crayons, Pencils, Folders, Binders
Diabetes: Bayer Glucose Meters, Glucerna Cereal
Seasonal Produce: Apples, Artichokes, Beans, Bell Peppers, Chili Peppers, Cucumber, Eggplant, Grapes, Onion, Valencia Orange, Asian Pears, Bartlett Pears, Pomegranate, Squash, Tomatillo, Tomatoes, Watermelon, Winter Squash
Baby Items: Major Baby Equipment, Baby Safety

October

Halloween: Candy, Fresh Pumpkin
Beginning of the Baking Sales: Canned pumpkin, Evaporated Milk, Baking Chips
Daylight Savings Time Ends Promotions: Alarm Clocks, Batteries, Safety Equipment, Smoke Detectors
National Seafood Month
Adopt a Shelter-Dog Month: Pedigree, Purina
Seasonal Produce: Almonds, Apples, Artichokes, Arugula, Beets, Broccoli, Brussels Sprouts, Cabbages, Chard, Chestnuts, Cranberries, Lemons, Parsnip, Pears, Pomegranate, Potatoes, Sweet Potatoes, Pumpkin, Spinach, Squash, Winter, Turnips, Yams

November

Hot Cocoa, Coffee, Tea
Baking Sales in Full Swing: Nuts, Chocolate Chips, Evaporated Milk, Sweetened Condensed Milk, Coconut, Cake Mixes
Canned foods: Soup, Broth, Vegetables, Fruits, Spaghetti Sauce
Thanksgiving Items: Turkey, Canned Pumpkin, Stovetop Stuffing, Betty Crocker Boxed Potatoes, Gravy Mixes, Frozen Pies, Cranberry Sauce, Jello, Marshmallows
Seasonal Produce: Anjou Pears, Beets, Broccoli, Brussels Sprouts, Cabbages, Carrots, Celery, Comice Pears, Cranberries, Kiwi, Lemons, Orange, Potato, Squash, Yams
Clearance: After Halloween Sales

December

Holiday Dinner: Egg Nog, Deli Platters, Instant Potatoes, Gravy Mixes, Frozen Pies, Cranberry Sauce, Jello, Marshmallows. Sour Cream Dips, Crackers, Chips, Soda, Ham
Baking: Flour, Sugar, Butter, Cream, Cake Mix, Brownie Mix, Muffin Mix, Breads, Pie Crust, Marshmallow, Whipped cream
Canned Foods: Soup, Broth, Condensed Milk, Vegetables, Fruits, Spaghetti Sauce
Seasonal Produce: Anjou Pears, Bok Choy, Bosc Pears, Broccoli, Brussels Sprouts, Carrots, Cauliflower, Celery, Dates, Grapefruit, Haas Avocados, Kale, Kiwi, Kumquat, Lemon, Napa Cabbage, Oranges, Sweet Potatoes, Red Cabbage, Rutabaga, Savoy Cabbage, Spinach, Winter Squash, Yams, Turnips, White Potato
Clearance: After Thanksgiving and After Christmas Sales

*Get a FREE printable version of this list when you subscribe >> I want it!

Check out my Amazon Best Sellers:

Eating Gluten-Free on a Budget

Eating Organic on a Budget

 

Beginning Couponing Articles:

Photo Credit: qmnonic

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If you had a way to make $100 in a day, would that help with bills?

What about building an emergency, retirement, or college fund?

Stay positive and open to different opportunities and you’ll find that it’s not hard to make extra money.

You have the power to earn more money than you think.

And you have inherent skills to get you there.

You have try different things to figure that out and know that you can do it.

It’s not impossible. It is possible!

Once you earn that first $100, the next $100 won’t be that hard, will it?

You’ll be shocked at how much these ordinary side jobs can earn real money. Here are 20 legitimate ways to make $100 in a day.

1. Take Surveys

Opinion Outpost offers cash or gift cards for filling out surveys. Note: it might take longer than a day to earn $100 through this method.

SELL STUFF 2. Sell Products on Amazon

This is a new way that people are making money, by reselling things on Amazon. There are two ways that people sell on Amazon – by retail arbitrage and private label.

Retail arbitrage is buying products for cheaper like on clearance and then reselling them at a marked up price. Private label is manufacturing your own items and then selling them.

There is so much to learn about the rules of selling on Amazon that I recommend you do research before starting. The con is that you have use your money to buy things first and if they don’t sell then you’re stuck with a loss.

Get started with this book, Making Money with Amazon FBA.

3. Trade in Your Used Cell Phones, Laptops, Tablets, and Books

Sell your old cell phones for gift cards on Amazon.com. I know it’s not cash, but you can use an Amazon gift card to get stuff you need.

It’s free, meaning no fees and free shipping is included! If your item isn’t accepted, you also get free shipping when Amazon returns your item.

4. Resell Unused Gift Cards

Do you have gift cards that you know you’ll never use? Check to see how much they’re worth at cardpool.com.

Earn up to 92% of the value without having to mail the cards. It’s done electronically.

SERVICES

5. Babysitting

Most people don’t think of babysitting as a viable way to earn money. Change the way you think about it and you can earn over $100 in a day.

In the San Francisco Bay Area, babysitters earn anywhere from $10 – $30 an hour. Two of my friends who work in childcare full-time, have babysat after hours or on weekends for the kids they take care of during the day at school or daycare. They have earned $30 an hour because the parents trust them over other babysitters, since their kids know them well.

If you decorate your house or apartment to look like a daycare, with lots of toys and child-friendly decor, and people know you are good with kids, you can charge $15-$20/hour. Babysit 2 kids for 3.5 hours and you will make over $100.

There is a real need for childcare. Even busy stay-at-home-moms need extra help.

Start with offering your services to friends on Facebook.

6. Pet Sitting

Pet owners treat their pets as their own kids. They need to find people they trust to take care of their pets when they are out of town.

If you love animals, this is for you. Check out sittercity.com.

7. House Cleaning

Believe it or not, cleaning houses can earn $100 a day. It’s not glamorous but it’s a service that people are willing to pay for.

When I was moving out of my apartment, I paid $250 for 2 people to clean our 2 bedrooms, 2 bathrooms, kitchen, and living room.

They cleaned the blinds and windows too. And it took them 4 hours.

I gladly paid this because I didn’t have time to clean as I was still moving stuff out. If I did this myself, it would have taken me over 8 hours!

It’s a lot of hard work but anyone can do this – you included! All you need is cleaning products, rags, broom, and a vaccuum cleaner.

8. Photography

Photography is a popular hobby nowadays. If you already own the equipment and can shoot professional photos, you can earn extra income.

Do one portrait session for 2 hours and you will earn $100.

You’ll have to create a portfolio with your own website and refine your style. Don’t forget that photography is shooting photos and also editing them.

Learn about the photography business with this book, The Photographer’s MBA: Everything You Need to Know for Your Photography Business.

9. Painting Rooms

Know how to paint rooms? There is a need for this service, especially for landlords who are changing tenants and new homeowners.

Earn $100 – $200 per room and charge for the cost of the paint.

10. Gardening or Yard Work

Gardening and yard work are much needed services. Do 2 to 3 jobs in a day and you’ll earn your $100.

11. Graphic Design

Businesses need logos, brochures, flyers, and other materials designed. You can charge by the hour or a flat rate. See here for tips on how to price your work.

12. Website Design/Set up

Many small businesses need help with setting up a simple website. If you are a WordPress pro, then this could be an option for you.

13. Driver

Have you heard of Lyft and Uber? As a part-time driver, you can earn up to $35/hr. Within 3-4 hours, you will earn $100.

Check to see if it’s available in your area.

14. Hair and Makeup Services

Are you talented with creating hairstyles and applying makeup? In our area, hair and makeup services for weddings cost $125 – $500.

15. Return Past Purchases

A quick way to get $100 is to return something you recently purchased. As long as you have the receipt, the products still have tags and are new, and you’re within the return period, you’re golden! Return the items and use the money for your bills.

16. Bartending

Bartenders for weddings and special events earn $100 per gig. If you are good at making drinks and love parties, this is for you.

17. Home Repairs

If you can do home repairs, you can easily earn $100 in a few hours.

18. Garbage Removal

Do you have a truck? Earn money by hauling junk to the dumpster.

19. Tutoring

Professional tutors make anywhere from $30 – $50 an hour. In a few hours, with a few clients, you can make $100.

20. Rent Out a Room

If you live in popular cities like San Francisco or New York and live near top tourist attractions, it won’t be hard to rent out a spare room or house to tourists. Check for restrictions from your landlord (if you’re a renter).

Airbnb has made this very popular. Check out potential guests carefully as some have used these spaces for seedy purposes.

Want more ideas? Check out these passive income ideas.

Finally, use these as ideas and think about your skill set. What have you done to earn extra cash?

This post contains affiliate links.

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We’re all looking for smart money saving tips without resorting to being an extreme cheapskate who dumpster dives for food.

We want to do more with less and live within our means without having to borrow money.

Saving money takes some adjustment – adjusting to new mind set and living a simpler life.

And it’s a process. Here are 30 money saving tips to help you get started.

GROCERIES AND SHOPPING 1. Pay attention at checkout.

This simple thing can save you money at checkout. I don’t know how many times I’ve caught a mistake by the cashier.

Once, the cashier scanned my coupons as items instead of discounts so I “lost” $6 instead of saving $6! So I rushed back to the store to get it corrected.

Another time, the cashier rang up an item that wasn’t even there! I don’t know if she was scamming me or what but a $5 item showed up on my receipt and I asked her where this item was, she had no answer.

Often, sale prices will not ring up on items. Either the product was mislabeled or the sale price wasn’t updated. So that deal you thought you were getting doesn’t actually turn out to be a good deal when you’re charged regular price for it… that is unless you were paying attention and caught the mistake in time to fix it.

My experience has been that if the price was labeled as a sale price but the sale expired and the store forgot to remove the shelf label, then they will honor the sale price.

2. Know prices.

Sale prices are not always the best deals. I’ve learned this the hard way by comparing prices at different stores.

I’ve compared CVS sale prices to Target regular prices was shocked to learned that my Target had the lower price.

3. Cook at home.

This tip is mentioned often online but it bears repeating. Cook at home and you’ll save money!

How much? On average, it costs $2 – $3 per person when you cook at home. When you eat out, however, it’s $10+ per person plus tax and tip.

4. Make espresso drinks at home.

I know everyone talks about this and usually they’re talking about regular coffee, not espresso drinks. But why not learn how to make mochas and lattes at home?

With the Keurig and other machines, it’s easy to make drinks at home but they might not taste the same. Get a moka pot (this is the one I use because it’s stainless steel), buy espresso beans and Torani syrup, a coffee grinder, and a milk foamer if you care about taste. Here’s how to make espresso drinks at home.

And if you love chai, here’s how a video on how I make a sugar-free chai.

5. Buy often used items in bulk.

Items we use a lot are toilet paper, paper towels, garbage bags, diapers and wipes (before my daughter was potty trained) and eggs. I tend to buy these at Costco, which has a consistently good price, rather than trying to find coupons for them.

6. Bring lunch to work more.

Bringing lunch to work will save you $5 – $15/day. Yes, in some places like downtown San Francisco, you can spend upwards of $15 (with tax and tip) for lunch out with a friend in a restaurant!

When I don’t make lunch for my husband, he has to buy lunch and that really cuts into our food budget. The reality is if we have a meeting or event to attend at night, then making lunch doesn’t happen and I let it go.

Be realistic in what you can do. It’s easiest to make a double portion of dinner and plan for leftovers to be used for lunch.

7. Transport your own bottled water.

I know this is not the frugal tip that you may see on other sites, but I’m all for bottled, filtered water. When we moved 45 minutes away from San Francisco, the tap water there was dirty and the chlorine taste was strong. We measured it to have 260+ particles in the water! Yuck!

Even after using a Brita filter, it didn’t remove that much. Fortunately, we found a bottle it yourself water filtration store that filtered the water 4 different ways. Plus, it was $ .60 a gallon. And of course, we measured their water. It had only 1 particle in it!

The bonus was that the water tasted good because they remove the salt. So, depending on where you live, it may be worth it to bottle your own water. It’s only $ .25 – $ .60 a gallon.

8. Compare prices.

Always compare prices when you can. The easiest way to do this is online.

For groceries, try jotting down prices for the items you buy the most often or compare receipts by keeping a grocery price book. I like to compare prices for specialty gluten-free items with the prices from sites like Vitacost and Amazon.

9. Look for coupon codes before buying online.

This is super easy to do. Do a quick search before buying an item and half the time you’ll find a discount code. It’s worth the extra couple of seconds to search.

KIDS AND CLOTHES 10. Buy gently used toys.

Some of my daughter’s favorite toys are from a children’s consignment shop and a consignment sale. My best buy was a Step 2 50’s diner that I bought for just $10 at a rummage sale. It sells for $199+ on Amazon!

11. Check out consignment shops and Facebook yard sales for baby and kids gear.

Kids outgrow things so fast! It’s a shame to buy things at full price when you will only use them for a short time.

12. Encourage hand-me-downs.

If you have a friends with kids who are older than yours, they might be more than happy to declutter baby gear and clothes. This is something where I didn’t ask. Instead, my friends generously offered to give us a their unwanted items like a crib, pack n play, changing table, and clothes. You can let friends know that you’re looking for baby gear on Facebook.

13. Buy clothes second hand.

I buy a lot of my clothes from ThredUP, an online consignment shop. I love that they have stylish clothes at a fraction of the cost! And the clothes are in excellent condition.

The best way to shop at ThredUP is to select the category of clothing you want (eg. dresses, tops, pants), then choose your size. I love that they have petite sizes and carry maternity clothing.

To find the right sizes, stick with brands that you are familiar with. Certain brands like Forever 21 and Bebe have sizes that run smaller. If your clothes don’t fit well, you can always return them.

You can also find handbag, shoes, designer items, and children’s clothes.

Get $20 credit to spend at ThredUP on your first purchase!

HOME 14. Fix things yourself.

Repair as many things as you can yourself. With YouTube videos and the Internet, it’s not hard to figure out how to repair things.

My hubby followed a YouTube video to repair his dad’s broken electric car seat, saving his dad hundreds of dollars.

I’ve done simple things like unclog sink drains with a mini-snake and repair clothes with sewing.

However, there are some things that you should call a professional for, like electrical repairs because of the risk of electrical shock or fire if the repair is done wrong.

15. Ditch dryer sheets.

I stopped using dryer sheets when I found out my daughter was allergic to them, even free and clear ones. Since then, we haven’t missed them.

If your clothes are all cotton, they will not cause static cling. Polyester, fleece, and other materials may come out a little staticky but it doesn’t bother us.

You can try using a ball of aluminum foil too.

ENTERTAINMENT 16. Downgrade or get rid of cable.

With so many options to watch TV shows nowadays, you may find that getting rid of cable may not be as difficult as you think. The only thing you’ll miss out on is news, live sports, and awards shows.

When we moved to a new city, we lived without TV for a good year and we lived. We even watched the SuperBowl online. I filled my time with work, spending time with family, and watching Netflix.

Now that we’ve moved back closer to San Francisco, our Internet/cable provider charges the same for Internet and basic cable. So if we remove cable, we’re still paying for it. Obviously, we opted to keep cable.

It’s about what is important to you. If watching sports is a must then by all means, keep cable. But if it doesn’t make a big difference, then cut the cord.

There are also TV antennas like Mohu Leaf that you can buy to watch local channels for free but the quality of reception and availability of channels vary depending on your area.

17. Take full advantage of the library.

Our local library has so many fun events for kids and adults. My daughter loves attending the events! We’ve made gingerbread houses, play with robots, learned to make lumpia, and more.

If I want to read a new book, I always check my library first. Most of the time, they have it and I place a hold for it. The most I’ve waited for a popular book was 3 months. Often, the wait time is shorter than that.

I only buy ebooks now or books that aren’t available at the library. It saves so much storage space too!

18. Check out free passes to local attractions from the library.

Free entertainment is always nice. Our local library offers 2 free passes at year to local attractions. A pass usually includes admission for an adult and child.

Some attractions are more popular than others, especially during the summer, so I look months ahead and reserve my passes early.

Our local aquarium costs $30 for adult admission! I finally got my husband to get a library card so that we both can take my daughter and save $60!

19. Socialize at home.

Instead of going out to a restaurant with friends, why not cook for them at home? I find this much easier when you have kids, as it’s hard for kids to sit still in a restaurant. The kids occupy themselves playing toys and the adults get to enjoy kid-free conversations.

We’ve been doing this for the past few years for my birthday. My awesome dad cooks a wonderful feast at home and the kids get to play with their cousins.

20. Watch movies at home.

With Redbox and Netflix, there’s little to reason to go out to the movies anymore. With the higher cost of movie tickets and popcorn, it’s an easy way to spend unnecessarily.

These days, I enjoy watching movies in the relaxed atmosphere of home. My husband and I went to the movies once last year and didn’t enjoy sitting near rowdy teens and the high cost of food.

I don’t feel the need to see the latest film in the theaters anymore. In 2-3 months, it’s already available on Redbox. You can often find free rental codes too.

BILLS 21. Cancel the gym membership, if you don’t go.

We all want to lose weight and stay healthy. A gym membership seems like a good idea, until you realize that you never go.

I had a gym membership for more than 5 years and managed to get a deal where after 3 years, I would only pay a smaller annual membership fee. However, ever since I was pregnant with my daughter, I never went.

3 years passed since she was born and I still never made it to the gym. Even though I would be losing out on the lower cost deal, I finally quit my membership. I ended up saving $200 since.

22. Find a lower cost cell phone plan.

Cell phone companies are super competitive now. Long gone are the contracts. In its place, you pay a monthly fee and can bring in your own phone, pay for a phone in full, or pay a monthly fee to pay off your phone.

There are also options to lease an iPhone, like the iPhone Forever plan through Sprint. It costs less than buying the phone, but you won’t own anything at the end. Also, you should invest in phone insurance if you lease because if you damage the phone during your lease period, you are still on the hook for the full cost of the phone.

Check out pay-as-you-go options if you don’t talk on the phone much. There are so many carriers to choose from like Straight Talk, Cricket Wireless, etc. With these plans, you pay full price for the phone upfront, then pay a monthly fee. If you sign up for autopay, you get a discount on your monthly fee.

23. Monitor your bank accounts and bills regularly.

The beginning of the year was so frustrating for me. My health insurance charged me twice the amount because of a computer error!

With the new health insurance exchange, it was not a simple process to correct mistakes. After several agonizing calls and long wait times on hold, I finally resolved the issue.

Billing errors happen all the time and you’ll only know if you pay attention to your bills and monitor your bank accounts.

24. Score free stuff.

Get free stuff when you can. Check out my list of 25+ Things You Can Get for Free.

25. Collect your loose change.

How much spare change do you have lying around the house or car? You’d be surprised how much those coins add up.

With Coinstar, you no longer have to “roll coins” and turn them into the bank. You can now cash in those coins at Coinstar and use that amount towards your purchase at the grocery store (where the Coinstar is), with a small percentage taken out… or you can choose to get gift card for Amazon and other retailers with no fee taken out.

26. Be creative with what you have.

Do you have to buy something new or can you use what you already have and repurpose it? Get out of the habit of always having to buy things. Sometimes you can get by without it.

27. Learn to be content.

We live in a culture where we’re constantly bombarded by ads – in magazines, Facebook, your phone, TV, movies, billboards, etc. We’re encouraged to consume, consume, consume. And we’re always looking for the next thing to buy.

I noticed this when I used to subscribe to a particular shopping magazine. After I looked through it, I suddenly felt the need to go out and buy new clothes, even though I didn’t need any.

You don’t need stuff to be happy. It’s a lie! And don’t use shopping as an excuse to release stress. Exercise, meditate, or talk to a friend instead!

28. Track your spending.

Tracking your spending may seem tedious, but the beauty of it is to be more aware of your spending. If you use a program to track your spending, it’s easy to ignore.

When you list each transaction, you feel it more and as a result, will spend less because you know where your money is going.

29. Pay your bills on time.

Pay your bills on time and you’ll avoid cruddy late fees. Often that’s easier said than done.

I use a system where I track all of my bills on a bill pay checklist (above). Bills are listed in order of due date of the month.

Each month, I look at my calendar and see which bills are coming up. I make sure that the autopays go through and pay the manual payments, then check off which bills were paid.

30. Stick to a budget.

Think of a budget as a spending plan rather than something that limits you. Knowing and planning where your money will go will help you feel more in control.

Without it, you’re just spending blindly which means you’re likely overspending and getting deeper into debt.

Want to start a budget? Check out my book Budgeting Made Easy which includes printable bill pay, budget worksheets, expense tracker, and more.

What are your favorite money saving tips?

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Bill Pay Checklist from Budgeting Made Easy

You’ve paid late fees more than once this past year.

Ahem! You could have gone out to dinner or gotten a nice top from Thredup instead!

Bills have a habit of sneaking up on you, even though the same ones come every month. What’s up with that?

You don’t have a good way of tracking those bills that happen a few times a year.

You run out of money and don’t have enough to pay the bills, even though you know you make enough money.

What do financial gurus know that you don’t? It’s simple, track your bills in one place.

Whether you do this on Excel, a sheet of paper, or using my Bill Pay Checklist (pictured below) from my ebook and printables, Budgeting Made Easy. It doesn’t matter what you use, as long as you do it.

1. List all of your bills.

Look at your credit card statements and checking account for bills that you pay on a regular basis.

2. Organize them by due date.

Starting from the 1st of the month, organize each bill by the due date so that you can track them easier.

3. Create columns for each month and check off when you’ve paid each bill.

You’re simply creating a checklist so that you can track which bills you’ve paid. Also, be sure to track auto-payments as sometimes they don’t go through as planned.

4. Create a separate sheet or section for bills that are due a few times a year.

Don’t forget to track those bills that come once or a few times a year, like your Amazon Prime subscription, car insurance, car registration, taxes, etc.

5. Place this bill pay checklist where you can see it every day.

It’s important to display the bill pay checklist where you can see it regularly so you can stay on top of bill paying and avoid late fees!

Bill Pay Checklist from Budgeting Made Easy 6. Mark which bills are on autopay.

Even with autopay, you still have to track and make sure the payment was completed.

7. When payday arrives, refer to the bill tracker to see which bills will come before the next pay period.

Allot enough money to pay those bills. Put this money into a separate bill paying account, if you want to make it even easier.

8. Put these bills into your monthly calendar and repeat them every month.

Use either your phone, calendar app, or planner to track monthly bills.

9. Communicate with your significant other (or anyone you’re splitting the bills with) about the upcoming bills.

When it comes to bills and money, communication is everything! If you can’t communicate about money, it’s hard to move towards one direction to meet financial goals.

If this is a difficult topic to discuss, work on it and be neutral when your partner talks about finances. Don’t get angry but be calm and listen. If it’s still difficult, then consider couple’s therapy.

Want a step-by-step guide on creating a budget that you’ll stick with? Check out my new book, Budgeting Made Easy:7 Steps to Shape Your Budget with a Money Management Toolkit.

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