Champagne Taste on a Beer Budget | Money Saving Tips

Adulting is hard. That’s such a millennial thing to say, but it is! Life is crazy expensive! I always say, “I don’t know how people afford having kids. Ryan and I can just afford ourselves!” I know that once you have kids you find ways and make it work, but still… Y’all get what I mean?!

Life has been crazy (expensive) the last couple of years, from paying for things for our wedding to buying and managing our first home. And it’s only going to get crazier from here. Ryan is starting his own business in the next few months and the holidays are right around the corner. I can already hear our wallets and bank account crying. Trust me, you and me both! But it takes money to make money (and it takes buying gifts for other people to get gifts haha)! 

I am the queen of having champagne taste on a beer budget. I’m still at the age where I’m trying to get by financially, all while trying to save at the same time. I can be very frugal at times. VERY. But, ya girl likes to splurge every now and then. It’s all about balance, ya know?!  And I know I’m not the only one! So don’t worry! Thrifty Katelyn is here to save the day. I’ve learned a thing or two (or 20) since becoming an “adult,” working full-time, being a wife, and owning a home, but even if you don’t fit into any of those categories, these could apply to anyone TBH. 

Money-Saving Tips for the Person with Champagne Taste on a Beer Budget

  • Invest in what makes sense to you. Don’t buy a $500 coat when it only gets cold for a couple of weeks out of the year where you live. Don’t get a 65 inch TV when you normally just watch Netflix from your laptop. Prioritize and make smart decisions. It can be really easy to get caught in the hustle and bustle of what’s “cool” or “popular” and buy things you really don’t need or even want. Stay strong and don’t give in!
  • Don’t wait til the last minute. First off, this will help with your time management skills, but also with money saving skills. When you wait until the last minute and are in a time crunch, you may find what you are looking for or end up settling for something similar and you probably will spend more money. The little devil on your shoulder ends up saying “YOLO” and you buy it. Now, I’m all for treating yo’ self every once in a while, but you can’t live your life like that everyday. This is something I struggle with often, and I’m trying to get better at!
  • Buy in bulk. When I go grocery shopping, I normally go to Costco (or Sam’s Club sometimes) to stock up on certain food and house items. Typically I pick up my essentials in bulk, such as toilet paper, soap, paper towels, laundry detergent, and some food that I eat often too, like eggs, bananas, and meat I can freeze. I have a mini-freak out session when I see the steep total checking out, but the items will last you longer and you won’t have to buy them as often. Added tips about grocery shopping: #1 don’t shop hungry because you will buy more than you need, and #2, make a grocery list before you go to the store and do not steer from that list! 
  • Resell your old/unused stuff. I clean out my closet about once a year and would typically donate the items, which yes, is so kind, but if you’re looking to earn a few extra couple of bucks, try reselling your things. Ryan and I have plans to do a full closet purge in November before the holidays, and you better believe we are going to be selling it all! You can sell clothing, furniture, electronics, home decor, etc. via Instagram, Poshmark, Facebook Marketplace, or even have a good ole’ fashioned garage sale.
  • Eat at home. Yes, this is obvious, but it’s always nice to have a little reminder. This one is SO HARD to do sometimes. Ryan and I love eating out but when we are trying to cut costs, we know we have to limit eating out to 1-2 times a week (including weekends). And don’t think fast food is cheap because those things add up! An added bonus, making your own meals at home will probably be healthier, too! Win-win!! 
  • Buy used or discount when you can. I’m definitely not someone that buys the first item I see. In fact, if I’m shopping for something specific, I do extensive amounts of research beforehand. I look at multiple stores and websites before I start spending my hard earned money. I’ve got to make sure I’m getting the best bang for my buck, and I love a good deal. Ryan buys lost of items off of eBay. You can literally find anything used (or even new) on eBay. And I love to shop at discounted places like Marshalls, HomeGoods, and TJ Maxx for fun home decor, cheap furniture, and even clothes sometimes. And you already know I’m a coupon girl, too!
  • Stop buying bottled water. Everyone’s got to drink water. Duh! But that doesn’t mean you have to buy plastic water bottles from the grocery store every time you’re there. Get yourself a water filter in your fridge and use reusable water bottles to not only help save the planet, but also save your wallet. This is the one we have.
  • Break up with your coffee shop. Coffee is so dang expensive from Starbucks or any coffee shop for that matter. Not to mention how expensive if you’re going every day. That really adds up, yikes! Brew your coffee at home and skip that $5-$10 coffee everyday. You’ll be shocked at how much money you save. I don’t drink coffee so I don’t have to worry about this, but Ryan sure does love his coffee. He started going 6 days a week to our local PJs. Since we are cutting back he now goes 2 days a week. Much better! Get a Keurig, Nespresso, make your cold brew at home, etc. 

These are just some of my top ways I try to save that cold hard cash. I’m still learning and am always looking for more ways to save! Help a sista out and share your money-saving tips below!


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