The Budgeting Hacks Every Woman Needs to Save More Money
Sick of wondering where your money goes? Does payday come and go before you know it? If you have been attempting to adhere to a budget but can't seem to stick to it, or if you're in the market for easier ways to save, you've come to the right place.
4/2/2025
Why Traditional Budgeting Often Fails
The typical budgeting strategy says to “track every dollar” and “stop buying lattes.” Checking your expenses is one thing, but creating such a rigid budget only makes you feel constrained instead of allowing your budget to be the freedom it should be.
The reality is that budgets are supposed to help you get ahead, not hold you back. Therefore, instead of a universal approach, let's take a look at more intelligent, more malleable ways to deal with finances—ways that work for you.
The 7 Genius Budgeting Hacks Every Woman Needs
Use the 50/30/20 Rule (But Adjust It!)
The 50/30/20 rule says that you should budget the following:
50% for essentials (rent, utilities, food)
30% for nonessentials (clothes, fun, self-pampering)
20% for savings and/or paying down debt
🔹HACK! Change the percentages if you have different goals. If you want to save quicker, reduce your potential wants and put 40% toward savings, giving yourself a 40/30/30 budget.
Automate Your Savings (So You Don't Have to Think About It!)
If you save at the end of the month, there won't be much left to save. Save yourself first.
✅ Automatically transfer a designated amount to your savings account with each paycheck. That's just $20 a week is over $1,000 in a year!
💡 Bonus Tip: Get a high-yield savings account to accrue more interest on your savings.
The “No-Spend Challenge” (That’s Actually Fun!) No-spending challenges don't have to be so bad. Give yourself one week a month where you don't spend. That means no takeout, no frivolous purchases—just making use of what you already have.
🔹 Hack It! Gamify it! Have a friend do the same and see who has the most saved in a week or take the money you would have spent and use it on something for yourself at the end (no guilt!)
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Get Paid to Shop (No, Seriously!) Cashback services like Rakuten, Ibotta, and Swagbucks will pay you back for everyday shopping. Don't shop on a whim—place items in your cart and hold off on buying until you get a cashback offer or a coupon.
🔗 Click here to register for Rakuten and get a free sign-up bonus!
Eliminate Unused Subscriptions (Without Giving Up Benefits!) Chances are you're paying for services you're not even using. Check out your subscriptions and services—gym memberships, streaming services, or even free trials you've forgotten about.
✅ Download a FREE app called Rocket Money to monitor and delete unused subscriptions.
🔹 Hack It! Obsessed with Netflix but want to save? Share the expense with family or friends and reduce your fee by 50%.
Transform Your Side Gig into a Savings Potential. Need extra money without taking on an additional job? Depending on Fiverr to freelance or utilizing passive income apps like Honeygain will generate revenue in your pocket with hardly any work needed.
💡 Tip! Allocate 100% of your side gig earnings towards savings or debt reduction—this will help you achieve your financial plans faster without dipping into your primary salary.
Get your Fiverr side gig today!
For Those Budget-Sucking Avenues, Try the "Cash Stuffing" Method. Are there categories where you always go over budget? Dining out? Beauty items? The cash envelope method keeps these expenditures in check.
💡Tip! If you don't want to carry cash, create a digital envelope by having a separate bank account just for discretionary spending.
✅ Professional Tip: Get a prepaid debit card and load that with your "discretionary dollars" for the month—then when that runs out, it's gone for good!
Want to Start Saving MORE Money NOW?
The secret to a budget isn't cutting back—it's spending wisely. Use these easy tricks to have more money in your pocket while still enjoying life.
Your next steps are: Choose one trick and implement it this week. Baby steps lead to HUGE outcomes! Use Rakuten and Ibotta to get free money to save NOW. Send this post to a friend who could use some budgeting assistance!
