Easy ways to save over $500 per month.

We write a lot about budgeting and gaining control over your finances. We know that a lot of this is easier said than done, especially when it comes to cutting back on your spending to make your budget work. Becoming financial stable can require a bit of sacrifice, so we’re here to help guide you in some decisions that might make cutting back a little easier for you.

Necessary or Unnecessary Expenses?

First, classify your expenses into one category:  Necessary or Unnecessary.

This involves a little honesty on your part.  We both know that you don’t need that subscription box full of trinkets, over priced clothing, and knick-knacks no matter how much joy it brings you. Food, insurance, mortgages, car payments, utilities, etc. are necessary expenses. While items like daily Starbucks coffees, Netflix subscriptions, eating out, season tickets to your favorite sports team, etc. all fall into the unnecessary category.

6 Ways to Save

Okay, so we’ve covered the basics. Now it’s time to dig deep to see how you can adjust your spending to start saving money each month. A large portion of the typical American budget goes to unnecessary costs, but without any of them them, life would be a little dull.


1. Subscriptions Boxes (Save $15-$50/ month)

  • We touched on this a little earlier in the blog, but while subscription boxes may seem like a fun and a convenient way to acquire new things, it also adds up. Ask yourself, “Would I be willing to pay just as much for these items if I was shopping at the store?” Chances are you’re saying “no” to a majority of the items.


2. Gym Memberships (Save $20-$150/ month)

  • First, if you have a gym membership that you aren’t using, stop kidding yourself and cancel it. While your intentions were good, an unused gym membership is throwing money away every month. On the flip side, exercise is a great investment in your health. If you do go to the gym, consider whether you need to spend that much to reach your fitness goals. Could you replace it by running with friends, biking around town, or using a cheaper exercise app to work out at home? If you’re only using a treadmill at the gym, you’d be much better off running outside and saving on that monthly expense. You should also try Groupon or new gyms in the area to take advantage of lower-priced intro options. Trying new exercises will also be great cross training for your body! Try yoga one month, bootcamp the next, barre, spin classes, boxing, swimming, and more!

3. Avoid Brand Names   (Save $30+ per month)

  • This one is pretty straightforward. Avoid brand name products if a comparable generic version is available. While packaging, marketing, and celebrity endorsements are flashy on brand name products, the the product may not be contributing its value than if there is a generic brand counterpart. Look at last month’s brand name purchases in your closet, pantry, and home. What could you have replaced and been just as happy, while saving a few extra bucks?  I’m guessing some of those cleaning supplies and paper goods could be swapped for something cheaper.


4. Eating Out & Drinks    (Save $100-$300/month)

  • Eating out is one of the biggest money pits to fall into. On average, Americans spend $250 a month on food outside the home. That’s over $3,000 per year! Although it’s fast, easy, and you don’t have to do the dishes, it is also much more expensive compared to eating at home. Set an eating out budget for the month and stick to it. Or try setting a rule for yourself, such as “I will only go out to eat with a friend” or “weekends only” or “max $10 per meal.” Can you cut your current eating out budget in half? It can be hard when a friend invites you to a birthday dinner. Instead, eat dinner at home before the event and attend by just ordering an appetizer, drink, or dessert and ask for a separate check, to help save on the expense. Ordering drinks is also an easy way to quickly exceed your meal budget. Instead, buy your favorite cocktail supplies, invite a few friends over, and start practicing your at-home bartender skills. If you want to get out and about, take full advantage of happy hour specials.

5. Decide on One Streaming Service (Save $10-50/month)

  • Cutting the cord is a great way to save money, but thanks to all of the new streaming services popping up, you may be spending more than regular cable these days! Take a look at what services you can live without. If you haven’t opened your Hulu app in a week, maybe you don’t need it. Since most subscriptions are month-to-month, we suggest canceling the subscription during the season your favorite show isn’t airing new episodes and reactive when it comes back. This goes for sports channels as well!

6. Pay Over Time with No Interest (Save hundreds!)

  • The great thing about Zebit is being able to purchase the items you want and pay over time. This allows you to pick up that new TV without blowing your monthly budget or grab an eCertificate to your favorite restaurant without going over your Eating Out allowance. Zebit is a great way to keep you within your budget while enjoying some of the costly expenses in life. Register and start shopping today!


While cutting back on these unnecessary expenses can be a sacrifice, always remember your financial goals. While skipping that delicious latte in the morning is rough in the moment, remembering that you just contributed to your savings goal helps ease the pain. There isn’t an easy road to financial stability; otherwise, everyone would be there. But there are ways to make the journey a bit more enjoyable along the way.

Have any more tips on cutting back unnecessary spending habits? Leave a comment below. We’d love to hear from you!


  1. DONNA HALL says:

    Thanks for the money-saving-tips Zebit! Basically, subscriptions mentions are on point for me, I have a lot and I am trying to prepare for retirement. I love ZEBIT. I plan on buying two TVs and a refrigerator before I retire, so I’ll definitely buy from ZEBIT. I love when you email to advise that a purchase is now PAID IN FULL! You are a best kept secret, and I have advised many about you. THANK YOU ZEBIT FOR ALL THAT YOU OFFER AND DO!

    • Zebit team says:

      Thanks Donna! We are happy to have you as a member and love hearing how Zebit makes a difference in people’s lives.

  2. Ruth Roman says:

    I love zebit and have been a spokes person at work for it..telling everyone how great zebit is and how its helped me so much to afford many things Ive needed. I have also helped them apply, so many workers are so happy to have learned about zebit..thanks to me. I am extremely grateful for zebit!

  3. Margie Morgan says:

    I agree with list know hardly. I am also on point. Howere; I see one area I can improve. I don’t go out for drinks or out to eat. My Grandchildren like Sonic and this will be last time we will go back. I awlways buy at thift stores. I only way I think I have a problem is not to elect bigger bottles of liquor and mixers. That will next for the coming month. Thanks so much Zebit you encouraged my budget theories.

  4. Cindy says:

    I bring my coffee from home in the morning and also breakfast. I bring my soda and water from home everyday to work, which cuts down tremendously on the stops at connivence stores. I only stop now for
    Gas. I bring all my snacks and lunches also from home. I save that money for a nice dinner out with my husband and kids on Sunday. Also almost every restaurant has a email club. Sign up and get discounts all year long.

    • Zebit team says:

      Cindy, restaurant email clubs are a great way to enjoy free or discounted items! Keep up the good work on avoiding quick convenience store purchases. Those items add up! Thanks for sharing.

  5. Robert R. says:

    The one tool that works well for me is one question, ” do I NEED it, or do I WANT it ?” Also, I feel if I cant pay for it in cash, then I dont need it right now, that helps keep my credit card balances low or at $0. This might work for someone else too. This site is priceless, get what you need…. or want, with NO interest, fantastic!!!

  6. Margaret hensley says:

    I have a hard time with Christmas and birthdays I want to spend a lot because they mean so much to me but I realize if you take a little thought and combine an item with something that means a lot to the person it is better than buying an item that just makes the retailer richer. Something personal. Like for next Christmas for my grandkids it will be a day out with gma doing something they enjoy. Takes more time to think about and talk to your grandchild but soo worth it in time spent together.

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