Avocado toast isn’t the only thing eating your cash. Here are some things to dump in 2018
We’ve all heard that defunding your coffee habit or laying off the avocado toast can help save money, but there are less obvious things you can remove from your budget, too.
Reach your money goals faster by paying close attention to these things in 2018:
Delivery apps
Think twice before downloading meal delivery apps and loading them with your credit card information, said Paul Bennett, a certified financial planner and author of “The Money Navigator.”
“What those things tend to do is they desensitize us to the actual physical construct of spending money — actually pulling money out of your wallet, actually having to count what you have to give to somebody to receive what you’re paying for and then subsequently receiving change,” Bennett said.
He recommended calling or physically reaching for your wallet to place an order because it’ll give you a chance to reconsider the purchase before you make it.
Store loyalty
Take a close look at where you shop and what you buy. The store where you usually shop — whether out of habit or convenience — could be costing you.
For instance, consider changing where you grocery shop, said certified financial planner Karen Lee of Karen Lee and Associates in Atlanta. She pointed out that one of her local stores offers downloadable coupons and fuel points shoppers can redeem for discounts on gas. Seek out added benefits that can make one store more appealing for your lifestyle than another.
Impulse buys
Things you never intended to buy in the first place also could be costing you. So avoid the online equivalent of window shopping, said certified financial planner Mark Durrenberger, author of “The Modern Day Millionaire.”
“Holding yourself to a rule that you only buy things online that you’ve planned to buy ahead of time is a great way to keep your spending under control,” Durrenberger said. “Most of our wasteful spending comes from impulse purchases, and e-commerce stores are excellent at getting us to spend.”
When you do buy something online, use coupon browser extensions such as Honey and websites such as Promocodes.com to ensure you’re not paying full price if you don’t have to.
Physical products
It’s no big surprise that technology has taken over nearly every aspect of life, so use it to your advantage. When you can, opt for a digital version of a product instead of a physical one. They’re often cheaper — and many times, free.
For instance, send a free birthday e-card instead of buying a greeting card. Or, invite friends and family to your wedding over email rather than purchasing traditional invitations.
Budgeting tools
A budget is designed to curb overspending, but some digital aids such as budgeting apps and software can cost you money.
These tools can be helpful, but if you’re looking for something simple, opt for a completely free online budgeting template instead. NerdWallet has a free budget worksheet that can get you started. Fill it out with your current income and expenses to get a clearer picture of where your monthly finances stand.
A ‘not-ever’ mindset
Before you mourn the loss of your doorstep deliveries and late-night online shopping binges, put your budgeting in perspective.
Just because you cut back on something now doesn’t mean you have to cut back on it forever, said certified financial planner Marcy Keckler, vice president of financial advice strategy at Ameriprise Financial. That’s especially true if you’re trying to recover from holiday shopping.
“One of the things that makes a difference helping people stick to a budget is to think about saying it’s not ‘not ever,’ it’s just ‘not now,’” Keckler said. “I think being able to decide what you can wait on is one of the key things that can help people … rein in their spending in January so they can recover from any overspending they might have done in the holiday season.”
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This article originally appeared on NerdWallet.com.
