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The Ultimate Money Saving Workbook: 200 Ways to Reduce Your Spending, Increase Your Savings, and Achieve Your Dreams!

By The Busy Budgeter | 68 Comments | This post may contain affiliate links

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The Ultimate Money Saving Workbook

 

You have a goal. We all do. Whether it be a family trip to Disney World, buying a house, reducing your spending enough to stay home with your kids, or going back to college. The question is… How much do you want it? What are you willing to give up to achieve your dreams?

There are hundreds of ways to reduce your spending. They range from easy with little sacrifice to incredibly difficult. Every day you make decisions that either bring you closer to your goals or further away.

In my entire career, I never thought I would want to stay home with children one day. Then we had our son and it was all I could think about. At the time, we were only about two years into our frugal adventures and weren’t in a position where that was possible. It would have been so easy to give up, and just accept life as it was.

I gave myself a one year deadline. By his first birthday, I would be home with him. We worked our butts off that year.

We figured out how to organize our time and plan ahead to make meal planning predictable. We reduced our spending in every category of the budget and then came up with ways to make money from home. It turned out that when we put our goal on paper with a sense of urgency, it was pretty easy.

My last day of work was our son’s first birthday.  I’m in my second year of staying home and we’re days away from having our second child. We’ve continued reducing our budget, and have increased the money I make from home.

I wanted to save you some of the work that I had to do, and give you a check-list that you can go through and decide which money saving habits to work on as well as a place to track your progress and list your goals. Most of these we’ve implemented, with some that we’re working on now.

This is a process. You won’t do all 200 this month and be done with it. Some of these take behavior modification and skill building. Start easy and build up to harder ideas. Set a date that you’ll reach this goal and then make it happen.

You can receive your FREE copy of the 14 page Ultimate Money Saving Workbook by subscribing to my newsletter below. As soon as you confirm your subscription, the checklist will be immediately mailed to you.  You can subscribe by entering your email in the box below.

*I’ll send you a confirmation email and as soon as you confirm, and your workbook will be mailed directly to you.

This post may contain affiliate links. If you click & make a purchase, I receive a small commission that helps keep the Busy Budgeter up and running. Read my full disclosure policy here.

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FTC Disclosure of Material Connection: In order for us to maintain this website, some of the links in the post above may be affiliate links. Regardless, we only recommend products or services we use personally and/or believe will add value to readers

Filed Under: Budget, Budget, Cutting Costs, Money Matters, Save Money, Substitutions Tagged With: Save Money, Substitutions

Comments

  1. Stephanie says

    December 25 at 7:17 pm

    I’m already subscribed!! 🙂 How do I get the list?

    Reply
    • The Busy Budgeter says

      December 26 at 3:01 am

      Got you covered Stephanie, I just emailed it to you. Enjoy!

      Reply
      • Amanda says

        May 27 at 4:25 pm

        I’m already subscribed as well, but would love the book!

        Reply
        • The Busy Budgeter says

          May 28 at 12:24 am

          Emailing you now Amanda! Enjoy!

          Reply
          • The Busy Budgeter says

            July 22 at 3:14 am

            Hey Jennifer!
            Did you get the confirmation email? Once you click to confirm, it’s automatically sent to you. Email me at busybudgeter@gmail.com if you still have problems! Thanks!

            Reply
      • Sylvia says

        June 1 at 8:46 am

        I’d love the workbook

        Reply
      • Jasmine says

        December 4 at 1:25 pm

        I’m already a subscriber! Would love the workbook!

        Reply
        • The Busy Budgeter says

          December 6 at 3:42 pm

          Hey Jasmine! Shoot me an email at Busybudgeter@gmail.com and we’ll get you set up!

          Reply
      • SAHM says

        October 18 at 5:16 pm

        Already subscribed but I would love the list.

        Reply
  2. Diona Culbertson says

    December 26 at 12:13 pm

    Thank you for your research on this

    Reply
    • The Busy Budgeter says

      December 26 at 5:53 pm

      Happily Diona! It helped us stay focused by giving us something to focus on one or two at a time. It made a huge difference when we started mastering them. It’s kind of a snowball effect.

      Reply
  3. maritza says

    December 26 at 6:33 pm

    how do I get the list?

    Reply
    • The Busy Budgeter says

      December 27 at 4:31 am

      Hey Maritza! As soon as you sign up, you’ll get a confirmation email, asking you to confirm your subscription. If you don’t immediately see an email- check your spam folder. Once you confirm, that triggers another email with the link to download. If your still having trouble, email me at busybudgeter@gmail.com
      Enjoy!

      Reply
  4. Julie Satterlie says

    December 26 at 8:50 pm

    I signed up! How do I get the Ultimate Money Saving Checklist? Thanks!

    Reply
    • The Busy Budgeter says

      December 27 at 4:31 am

      Hey Julie! As soon as you sign up, you’ll get a confirmation email, asking you to confirm your subscription. If you don’t immediately see an email- check your spam folder. Once you confirm, that triggers another email with the link to download. If your still having trouble, email me at busybudgeter@gmail.com
      Enjoy!

      Reply
  5. Jenny says

    January 5 at 3:22 am

    Thank you! Can’t wait to read it!!

    Reply
  6. Jalena Chaney says

    January 5 at 8:18 am

    Need to save on our spending. Love to have the ultimate money saving checklist.
    Thanks

    Reply
  7. The Busy Budgeter says

    January 21 at 2:57 am

    Hey May! Just enter your name and email in the “subscribe” box in the right side bar, the checklist will be automatically emailed to you.

    Reply
  8. Deanna says

    January 26 at 6:26 am

    Looking forward to reading this

    Reply
    • The Busy Budgeter says

      February 2 at 4:16 am

      I had fun making it, I’m glad it found it’s way to you!

      Reply
  9. ctg says

    February 2 at 1:06 am

    Great list! Thanks!

    Reply
    • The Busy Budgeter says

      February 2 at 4:15 am

      I’m glad you like it!

      Reply
  10. Karla says

    February 2 at 6:46 pm

    I need this can you please send me it.

    Reply
    • The Busy Budgeter says

      February 19 at 7:30 pm

      Karla, I put the subscription box directly into the post now so you can find it easier:)

      Reply
  11. jackie says

    March 4 at 7:41 am

    I subscribe to get my list in my email. And now I dont know where to get the list

    Reply
    • The Busy Budgeter says

      March 5 at 6:06 pm

      Hey Jackie! When you subscribe to the newsletter, it sends you a confirmation email. As soon as you confirm your subscription by clicking the link, it’s automatically emailed to you. If you confirmed and don’t see it, check your spam folder. If it’s not there, let me know and I’ll send it to you.

      Reply
  12. Tuchedda Chamberlain says

    April 15 at 2:29 pm

    I need this .

    Reply
    • The Busy Budgeter says

      April 15 at 3:34 pm

      Just enter your email above Tuchedda. It’s a great resource!

      Reply
  13. The Busy Budgeter says

    June 4 at 3:44 pm

    Hey Jessica, it goes straight to your inbox (you have to confirm your subscription by clicking the link I sent you), then the workbook is mailed to you right after. If you have problems, just email me at busybudgeter@gmail.com

    Reply
  14. Penny Johnson says

    June 12 at 1:43 am

    i am hoping this budget gets me on a no spending and a not road. I “want” too much and with credit cards so handy and you use them for whatever.

    Reply
    • The Busy Budgeter says

      June 17 at 8:34 pm

      You can do this Penny! Don;t go for huge changes, just start small and gain momentum.

      Reply
  15. Lorie M. says

    June 17 at 12:29 pm

    I’m already subscribed! How can I get a copy of the workbook?

    Reply
    • The Busy Budgeter says

      June 17 at 8:18 pm

      Got you covered Lori… I just emailed it to you. If you subscribed recently, it gets automatically sent to you. Either way, you’re good to go now!

      Reply
  16. Jennifer Carrell says

    June 18 at 10:57 pm

    Looking forward to this.

    Reply
    • The Busy Budgeter says

      June 22 at 6:02 pm

      Thanks Jennifer!

      Reply
  17. cami parks says

    July 1 at 4:58 am

    I would love this! Way to set a big goal and keep it!

    Reply
    • The Busy Budgeter says

      July 22 at 2:48 am

      Thanks Cami! It took hard work but the results were well worth it. Now I just need to figure out how to get these kids to nap! 🙂

      Reply
  18. Monica Jeffers says

    July 2 at 9:14 pm

    Hi, I am subscribed and would love the book. Can you send me a link? Thanks so much for your many ideas.

    Reply
    • The Busy Budgeter says

      July 22 at 2:55 am

      Hi Monica! Did you confirm your email? Once you confirm it will automatically send you the download. Email me at busybudgeter@gmail.com if it doesn’t. Thanks!

      Reply
  19. Remle says

    July 7 at 2:56 pm

    It won’t let me subscribe. I put in my info and click subscribe and nothing happens. How do I get this book?

    Reply
  20. Summer Hanks says

    July 10 at 1:41 pm

    Would love for you to send me a copy. Thanks in advance!

    Reply
  21. Cathy Slife says

    July 12 at 12:19 pm

    Looking forward to getting this info. Thank you.

    Reply
    • The Busy Budgeter says

      July 22 at 3:39 am

      You’re very welcome Cathy! I hope you enjoyed it!

      Reply
  22. Ivanna says

    July 12 at 6:02 pm

    I am having trouble subscribing to the email list. Should I send you an email?

    Reply
    • The Busy Budgeter says

      July 23 at 7:33 pm

      Yes Ivanna! If you check your email (occasionally it can get sent to your spam folder), you’ll have a link to confirm your subscription. As soon as you confirm, the workbook will be sent to you. Email me at busybudgeter@gmail.com if your still having trouble, I can manually do it and send you the workbook personally. Thanks for reaching out!

      Reply
  23. Tanya says

    July 14 at 6:41 pm

    Have subscribed and would love the book please? All the way I’m Cape Town South Africa! Thnx

    Reply
    • The Busy Budgeter says

      July 23 at 7:42 pm

      Woah! That’s so awesome! I’ve been to Canada… That’s my extensive world travels. 🙂 The ebook goes straight to your inbox once you confirm, if you still haven;t gotten it, email me at busybudgeter@gmail.com (or let me know here and I’ll take care of it). Thanks!

      Reply
  24. Nancy says

    July 20 at 5:12 pm

    Thanks so much for caring enough to share this with us! Cannot wait to implement your ideas in my family’s life. Thanks again!!!

    Reply
  25. Melanie says

    August 7 at 6:14 pm

    Can’t seem to subscribe 🙁

    Reply
    • The Busy Budgeter says

      August 10 at 6:23 pm

      Ack! Melanie, We seem to be having that problem a lot. I’m fixing it right now and starting over. Sorry for the frustration!

      Reply
  26. Megan says

    August 9 at 4:03 pm

    im trying to subscribe but it’s not sending! Help! Lol

    Reply
    • The Busy Budgeter says

      August 10 at 6:27 pm

      It’s fixed now Megan! You’re all set!

      Reply
  27. The Busy Budgeter says

    August 10 at 6:19 pm

    I’d love to give it Sherry! Email me at busybudgeter@gmail.com

    Reply
  28. Stephanie vanderscheer says

    September 27 at 4:37 pm

    Family of 8. Want despratly to be at home with my new born, 1 month and 1 week old.

    Reply
    • The Busy Budgeter says

      September 28 at 5:32 pm

      That was my goal as well Stephanie, though I definitely don’t have as many little ones as you! Hopefully some of these tips will help make that happen, good luck!

      Reply
  29. Stephanie vanderscheer says

    September 27 at 4:40 pm

    I posted my email but havent seen anyrhing as of yet.

    Reply
    • The Busy Budgeter says

      September 28 at 5:34 pm

      Did you receive a confirmation email Stephanie? Please check to make sure it didn’t land in a “spam” folder as well!

      Reply
  30. Kris boling says

    March 3 at 11:50 pm

    HI I’m new on here,(your blog) 🙂 but really would love the help! Please send all you can!

    Reply
  31. Jennifer Bratcher says

    April 1 at 5:57 pm

    Single mom looking for ways to save and would love this workbook.

    Reply
  32. Candice says

    November 20 at 2:11 pm

    I have subscribed twice and did not receive the workbook link or the email confirmation that links to another printable you were giving out for the 90 day boot camp. Could you please send both I am very excited and want to try them. Thanks

    Reply
    • The Busy Budgeter says

      November 22 at 9:52 am

      Hi Candice! I am so sorry you were unable to sign up, but if you can send an email to busybudgeter@gmail.com, Jennifer will get you everything you need.

      Happy Turkey Day 🙂
      The Busy Budgeter recently posted…Cheap DIY Christmas Gifts That Don’t SuckMy Profile

      Reply
  33. The Busy Budgeter says

    November 22 at 9:50 am

    Hi Vicky! If you send an email to busybudgeter@gmail.com Jennifer will get you all set up. Have a great holiday 🙂
    The Busy Budgeter recently posted…Cheap DIY Christmas Gifts That Don’t SuckMy Profile

    Reply
  34. Chastty Murphy says

    January 1 at 11:28 pm

    I am subscribed already and would love this book.

    Reply
    • The Busy Budgeter says

      January 6 at 9:48 am

      Hi! If you email us at busybudgeter@gmail.com, Jennifer will send you the workbook 🙂
      The Busy Budgeter recently posted…15 Minute Easy Beef StroganoffMy Profile

      Reply
  35. Christy says

    January 7 at 12:05 am

    Signed up already! Would really like to add this workbook to my others?! TIA

    Reply
  36. Tess Yates says

    February 3 at 4:41 am

    Hi Rosemarie – thanks for this information, it’s very helpful. My husband and I are taking the sessions for the Dave Ramsey’s Financial Peace University. We’re 4 weeks into the 9 week program and have already had to complete a budget, spending plan and a snowball worksheet to pay off debt. I think the program has a lot of useful insight and information (we get a workbook as well as his book “Dave Ramsey’s A Complete Guide to Money”), but my husband and I find the video portion of the sessions to be a little ‘intense’. I like to look at things (research) and find resources that allow me to take things at my pace. I’ve already signed up and confirmed my subscription, so could you please add me to your list for “The Ultimate Money Saving Workbook”? I’ve already started the Transform Your Finances 6-step challenge- great post! Thanks so much!

    Reply
  37. Ashley says

    June 4 at 11:45 pm

    I would love a copy of this workbook and am enrolled in the hot mess to home success class. What do I need to do next? I don’t see a spot to sign up for this particular work book. Thanks!

    Reply
    • The Busy Budgeter says

      June 7 at 12:47 pm

      Hey Ashley!

      You can email us a busybudgeter@gmail.com and I can get it over to you!

      Reply

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    • Set Up A Budget
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    • Budget Printables
  • Easy Meals
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    • Home Management Binder
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