We all love quick ways to save money and sometimes saving money it’s much easier than you might think. You just have to put a little effort into it. Below are my top 10 tips that can help you start saving more money today which you can use to jumpstart your savings or debt repayment.

1. Save money on grocery shopping

When you go grocery shopping, the key to success is to make sure you go with a full stomach and you have a specific list, this way you’ll be less likely to deviate from your shopping plans and can avoid blowing your budget.

You should also review everything you plan to buy on your list in advance and also consider generic or store brand for certain items, especially the ones where there really isn’t much difference between the brand name and generic item.

In addition, don’t buy to stock up instead just buy what you need for the week this way you’ll reduce waste and avoid ending up with food that you won’t eat.

2. Save money on your car insurance

If you have a good driving record, have never had an accident or gotten points on your license, it might be worthwhile to contact your car insurance provider to see if you can get a better rate. In general, it’s a good idea to compare car insurance rates with other companies as well to make sure you are getting the best deal out there.

3. Save money on your cell phone plan

There is always a cell phone deal going on, whether it’s for more minutes, more data or for an overall better phone service package. Give your cell phone service provider a call and ask. Worst case scenario, you can threaten to cancel.

There’s so much competition out there they might just have a special retention offer available so they can keep your business.

4. Avoid monthly bank fees

If you are paying monthly checking or savings account fees to your bank, you need to switch banks immediately.

5. Declutter and sell things you don’t use

De-cluttering is such a good feeling and if you can make money while you are at it why not? Some great places to start decluttering are your closet and your kitchen.

Find out where your local consignments shops are, ask your friends if they are interested in any of your items or set up an online account on a website like tradesy.com, etsy.com or ebay.com.

6. Take a break from shopping for non-essentials

Separate your wants from your needs and put your wants on the back burner. Hit pause on that handbag or shoe purchase for now. You’ll be surprised how much money you save by only purchasing the things you really need.

This exercise will also give you an opportunity to get aware of your spending and help you prioritize your finances.

7. Eat In

If you find yourself eating out several times a week make a conscious effort to cut it down to only once or twice a week. Eating out adds up fast and so as an alternative, why not try out one of your cookbooks that have been sitting neglected on your kitchen shelf? Don’t own a cookbook? Pinterest, Instagram, and Youtube have amazing visuals and recipes you can try out.

8. Do your own hair and nails to save money

Instead of going to your hairdressers or to the nail salon every week you can save money but going every two weeks or once a month and do your own hair and nails on your own during that time in between. Put those products you’ve stocked up on from the beauty supply store to work for you.

9. Stop using your credit cards / Cancel credit cards you no longer use

Save money on those expensive interest payments by not spending on your credit cards. Take them out of your wallet, put them in the freezer, delete them from your online accounts and instead, focus on paying down debt. Be sure to put those credit cards in a spot where you cannot access them easily i.e. in a ziplock bag filled with water that you stick in the freezer.

10. Cancel that gym subscription

Instead of going to the gym work out at home. There are loads of really great at home fitness programs that you can purchase at a fraction of the cost of a gym membership. YouTube is also a great resource for online workout videos.