Creative, entrepreneur, mother, speaker. I thrive on learning, growing and sharing my journey in the hopes to inspire others to live independently, confidently and courageously.
Here are some simple and quick money hacks that I use to help keep me on top of spending (or overspending) especially as a forgetful ADHD girl. I have implemented things like this that are just a habit now. And literally every time I always find something or see where I can make a change, and it honestly saves me so much and all adds up!!
The modern internet world has made it far too easy to spend your money, forget what you are paying for, and do not get me started on subscriptions – WHY IS EVERYTHING SUBSCRIPTION!!!
So anyway I can cheat the system and not get sucked in – I like it!!
Here are some key hacks that I swear by, as well as a little quick cheat sheet at the end!!
A quick check-in that keeps your subscriptions and spending in check. Check these 3 key places for sneaky charges you might be missing:
1. Apple Subscriptions
Go to: Settings > [Your Name] > Subscriptions
Cancel any unused apps like Apple TV, Arcade, or forgotten free trials.
2. PayPal Pre-approved Payments
Go to: PayPal > Settings (Gear Icon) > Payments > Manage Automatic Payments
Cancel anything still billing you unexpectedly (e.g. Klarna, DoorDash, Canva).
3. App Store / Google Play
Open your app store to check recurring charges for fitness, photo editing, or game apps.
You could be overpaying by hundreds as deals offer and promotions change often and are usually only offered to new customer. Once they have you, they don’t bother, so don’t be afraid to change around or at least see what your current providers can to do keep your business.
Use services like unroll.me or search “unsubscribe” in your inbox. Helps reduce any temptation and emotional spending.
I’m finding very often these days, I am getting marketing emails from businesses I swear I mever even signed up to as sadly data leaks or even other people you have shopped with sell your data!
Moving on from that, start using a dedicated email for online shopping and freebies going forward. Especially if you are using one email for personal and work – it just gets SO messy!!
You know everytime you accept those “cookies”, you make it easier to taget you with ads!! I do this often for a number of reasons, but retailers use tracking to inflate prices or bombard you with ads as well as impliment dynamic pricing based on demand.
Back to me hating subscriptions. Why are there so many streaming services now? I hate it, so I decided I have my core (Netflix/Disney+) but a lot I only watch when a particular series comes on so I plan and rotate.
Instead of paying for 10+ platforms all year round, rotate them monthly or quarterly. This means you’re only paying for what you’re actually watching and you’ll probably appreciate the content more too!
Often, when you go to cancel with a swervice, they offer a period of time discounted, so you could also take this up!!
I have shared heaps on this and much more indepth which you can read here. But making cash back or earning reward points can literally save you hundreds if not thousands down the track!
I have a full guide here, with all the reward and cash back programs you can join. But here are the top ones you should be using:
It’s not just the cashback or reward points, but stacking the deals to really make it worthwhile. Look for discount codes. Deals on gift cards or using a points earning card to double dip on reward points.
Lots of Cashback programs now have extra cashback with particular banks!
I only started this a few years ago, but use apps like Raiz or Spaceship to have a little rainy day fund!! I have one for us and individual ones for the kids, which we manage together!!
Avoid panic buying by buying or poor planning (so me coded LOL) I have been doing this for years!!
I have some details on what I keep in my gift cupboard here.
Make saving and budgeting a regular conversation in your household. THis is something I am so passionate about and financial literacy is key!! My girls will sometimes even question me “Mum, do we really need that” because I’ve instilled it in them.
Girl, I know you cannot be bothered! It is so annoying, so much effort and energy – but you don’t need stuff lying around you do not need!! Or to waste that money!!
Always pay your balance in full – that’s the RULE!!
This advice is general and of my own experiences, always speak to your financial advisor or accountant for advice on your personal circumstances.
Pause before purchases to avoid regrets, which is MUCH easier said than done when you have ADHD. Do we all remember the inflatable nightclub? Not that I regret it. I did actually think about that one for weeks HAHA
Here’s a quick summary and cheat sheet for you to find some money habits that might work for you!! Let me know if you’d like me to share more on these!!
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