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Ways to Save Money When Your Cost of Living is High

One of the first places you can cut back when living in an expensive city is eating out. It can be great to have so many restaurants in your area, but it can also be expensive. Instead, try making a delicious home-cooked meal for yourself or your friends and family. If you’re not sure how to cook a specific meal, look up an easy recipe online or ask someone you trust for help. If you plan on eating out with clients more than once a week, save restaurant gift cards from each establishment until that time comes around. Of course, you can allow yourself a cheat day every once in a while. But remember: You don’t have to eat out every day – doing so just adds unnecessary costs without any nutritional benefits!

Use Coupons

Coupons are another great way to save on everyday expenses. Before you go grocery shopping, look through flyers for discount coupons to local stores and compare prices between them. It’s a good idea to go in with the thought of only purchasing what’s on sale at that store. Also, it never hurts to ask cashiers if there are any additional coupons available that could help lower the prices even more. In addition, coupons often expire quickly so be sure to keep an eye out for items that you need—especially if they aren’t something you use daily—and plan to not miss out on huge potential savings.

Affordable Home Decor

A home is a reflection of you and your family. That’s why creating an aesthetically pleasing, functional space can be expensive. There are, however, ways to save on your living expenses without sacrificing style. One easy way? Think local! Find affordable options by shopping at discount retailers like Dollar Tree or Big Lots. They offer great deals on everyday items such as plates, towels, affordable rugs, and more for those who want their home decor on a budget. Some websites even sell low-priced personalized wall art so you can have pieces made specifically for you while still saving money. Also, check out local antique shops and swap meets for more unique finds that will make your house stand out from all the others in your neighborhood. Buying used furniture (especially antiques) can help you save even more money because most items are sold at rock-bottom prices compared to those found in stores today.

Lower Priced Beauty Products

Many beauty products, even those from well-known brands like Clinique and MAC, can be purchased off-brand for a much lower price. Do your research online and see what you can find. Sometimes it’s worth it to pay for a name brand if you like a product (especially if it’s new or you know it doesn’t irritate your skin), but there are plenty of cheaper beauty options out there as well. You can buy more frequently used beauty items in bulk (e.g., lotions, shampoos, skincare) and make them last longer by putting them into smaller bottles that can be used as needed. This can also be good for when you have guests over since smaller bottles are the perfect personal size.


The high cost of living in certain areas can be a significant obstacle for individuals who are trying to save money. But that doesn’t mean saving money has to be impossible. The key is knowing where your money goes and adjusting your lifestyle so you don’t waste as much, or spend on things you don’t need. With some effort, it’s possible to cut costs without sacrificing too much in quality.

Written By

Katie Tejada is a writer, editor, and former HR professional. She often covers developments in HR, business communication, recruiting, real estate, finance and law, but also enjoys writing about travel, interiors and events.

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