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The easy way to save 100€ every month

The easy way to save 100€ every month

Are you struggling to save money? You are not alone.


Saving money can be a daunting task, especially when you don’t know how to get started. 


When it comes to saving money or starting any other habit, it’s easiest to start small and build traction step by step. And the more attainable your goals are, the easier it will be to stay motivated!


Check out our simple tricks for saving 100€ every month and start growing your savings!


Open a savings account today

Opening a savings account provides you with a new place to keep your money that comes with two clear advantages:


The money is out of your checking account, and you can’t spend it on bills or other expenses by accident.

A savings account offers higher interest rates than your standard checking account. 


It is crucial that you always transfer your savings rate to your savings account when you receive your salary. That way it is out of sight (and out of mind), and you won’t consider it when you budget for all other expenses. 


Create a standing order, so you don’t forget about it!


You can always start small. Try putting away 25€ with your next paycheck and see how it feels. Increase that amount each month until you reached your goal.


Start budgeting to discover savings opportunities

Budgeting is an excellent way to get a better overview of your income and expenses and keep your money under control. 


Budgeting apps like Zuper make it easy to stay on top of all expenses and get the complete overview of your spending.


Start by creating budgets for your spending categories and set new limits to help you curb your spending. 


Every cent you don’t spend can go towards your savings!


Discover more: How to set up the right budgets


Get a library card

The cost of a library card can be as low as 10€ per year, which is only 0.83 € per month!


If you spend an average of 10€ on books each month, you’re already saving 110€ per year.


The chances are that you’re only reading a book once anyway, or you might not even like it that much and stop reading halfway through. 


Share your subscriptions

Share your monthly subscriptions with friends and family. 


The family subscription for Spotify Premium is 14,99€ for six people, so 2,50€ per person. Netflix is now up to 15,99€ per month for four persons, which is still only 4€ per person.


Do you have a subscription for any magazines or newspapers? Ask your friends or neighbors if they are interested in splitting the costs here as well.


Write a shopping list

The best way to counter impulse purchases is to write a shopping list.


Make a list, go shopping, and don’t come back with anything else. It’s that simple.


And here’s a real pro-tip: never go shopping when you’re hungry!


Create a meal plan for the week

Combine your shopping list with a weekly meal plan to save even more! If you’re cooking your own meals (and you should!), you can pick recipes that share ingredients. 


It’s easier to save money when you can buy things in bulk.


Increase your savings even further by bringing your own lunch to work.


If you buy lunch at work every day, you pay at least 5€ per meal, per day, and can add up to 100€ per month real quick.


Cooking at home not only allows you to pick the right ingredients but will also save you money. At 2€ per meal, you can already save up to 15€ a week!



Rescue food

Use services like Mealsaver, toogoodtogo, or food sharing, to reduce food waste, do something good for the environment, and save money on food that might look a little different but tastes just as good.


Drink more tap water 

This is a seriously underrated trick. The water coming out of your tap is so cheap, it’s basically free. 


A bottle of mineral water costs about 0,60€, a box with 12 bottles of water costs 7,20€.


Assuming that a person drinks at least 1,5 liters of water per day, a box for a four-person household will last no longer than 2 ½ days. That’s 86,40€ a month! Tap water is so cheap; you can get 500 liters for less than 1€.


Invest in a reusable bottle and watch your savings flow!


Use a savings shower head or a flow restrictor. 

We consume a lot of water for showering, bathing, and our daily body care.


Hot water accounts for 14 percent of the energy consumption of an average household. 


With energy-saving heads or flow restrictors, you can save 50 percent on water and 25 percent on energy costs for hot water.


Pull the plug

Your toaster, coffee maker, TV or computer – all plugged in devices  – consume power even when you don’t use them.


In an average household, electricity accounts for around 16 percent of energy consumption. Use power strips or pull the plug to reduce your energy consumption and save money!

It’s easy to save a 100€ every month when you become more conscious of your spending and consumption. 

Save a little here and there and see how all the little things add up by the end of the month!


Are you looking for even more ideas, tips, and tricks to save more each month? Then this is the right article for you: 


Saving tips: 50 tricks to save money in 2019


Leitha Matz
FinTech COO. Startup Mentor. Woman in Tech. I spend a lot of time thinking about technology products and user experience, and I love stupid puns.
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