Crafts to Make and Sell for Profit: 200+ Craft Ideas!

by Savings Lifestyle: Andrea

If you are looking for creative ways to make money, this huge list of crafts to make and sell is one full of inspirational and easy crafts to make! With over 200 items – and growing as we find new cool tutorials for you to add – this is the best list of crafts to make and sell for profit!

As I was curating this list, I started to remember past farmer's markets and craft shows that I've attended. So many of the items on this list are items that those vendors were selling! I even did the math in my head as I looked at each item (as I always do) calculating the raw materials and manpower required and they are making a very generous profit!

Every crafter started somewhere for different reasons. Whether it was from a true passion in creating treats and toys for their pets, or the love to make their own friends and family members non-toxic personal care items. They each took the opportunity to take their own DIY's and sell the crafts to make a profit!

Crafts to Sell

There are truly so many great craft ideas to consider making. You will surely find something on this list to see what you are most interested in and what would fit within your startup budget.

Arm Crochet Blanket
Binky Clips
Button Crocheted Boot Cuffs
Chapstick Key Chain Holder
DIY Plant Markers
DIY Twist and Scrub Polish Remover
Easy Elastic Headband
Easy Sucker Bouquet
Fabric Chapstick Holder
Hand Sanitizer Jacket
How to Print Shirts at Home with an Iron and Printer
Monogram Clay Keychain
Rainbow Cup Cozy
Stenciled Tote Bag
Triangle Pouch
Upcycled Jewelry Holder
Wristlet Key Fob

Crafts That Make Money

Before you even begin, give lots of thought to what you want your margins and profit to be. If you are spending $10 for materials, consider how much your time is worth and price your items accordingly. Also, think back to when you saw something similar at a craft sale so you have an idea what you can price the item(s). You deserve to be paid a decent wage for these DIY crafts to make money!

American Flag Wall Decor
Blanket Ladder DIY

Clay Leaf Bowls
Concrete Vase
Distressed Painted Signs
DIY Sign
Family Math Sign
Farmhouse Tray
Faux Metal Farmhouse Sign
Flannel Blankets
Growth Chart Ruler
Hanging Mason Jar Vase
Home Sweet Home Wall Art
Letter Art
Lost Sock Plaque
Metal and Wood Anniversary Sign
Metal Letter Signs
Pallet Clock
Pallet Plaque
Palo Santo Bundles
Personalized Photo Clock
Pressed Lavender Art and French Wall Art
Repurposed Tennis Racket Photo Holder

Rustic American Flag Sign
Rustic Blessed Sign
Rustic Wooden Arrow
Song Lyric Plate
String Art
Succulent Frame
Thankful List Decor
USA Pallet Sign
Welcome Sign
Wine Rack
Winter Woodland Sign
Wood Letter Decor
Wood Pallet Sign
Custom Wood Signs DIY
Wooden Journal

Things to Make and Sell from Home

One of the benefits to making crafts from home is that you get to be *at home* working! If the margins aren't exactly what you were hoping for you also have to consider that you getting to make your own hours to run a business. That is one of those priceless benefits.

You can also get your process streamlined well while being at home and start to make items in bulk. This is an area that my husband is a HUGE support since his day job is to optimize operational output. I've had to ask him to settle down with all of his suggestions a few times as he's watched me work less than efficient, apparently. :)

Bath Bomb Fizzy Bath Powder
Bath Bomb Recipe

Body Wash
Coconut Bubble Bath Salts
Coffee Sugar Scrub
DIY Lip Scrub
Gemstone Soap
Grapefruit and Lime Lip Balm
Homemade Bath Bombs
Homemade Bath Bombs
Homemade Gardener's Soap
Homemade Shower Melts
Homemade Soap Recipe

Homemade Toilet Cleansing Discs
Lavender Shower Melts
Lemon Poppy Seed Soap
Lemon Sugar Scrub
Lemongrass Bath Salts
Lotion Bars
Makeup Bags
Mica Powder Lip Stain
Orange Bath Salts
Orange Flaxseed Soap
Orange Vanilla Bath Salts
Peppermint Sugar Scrub
Rainbow Soap
Scarlet Mica Powder Soap
Shower Melts
Spray Deodorant
Sugar Scrub Bars
Unicorn Bath Bombs
Vanilla Orange Bath Salts
Whipped Body Butter
Yellow Sun Bursts Bath Bombs

Hot Craft Ideas to Sell

Different seasons create higher trends or “hot” crafts that will sell well. There is a different season for Christmas crafts to sell, since those most likely won't sell well with any Halloween crafts. Craft ideas to use during the Summer months will most likely sell better during that timeframe. Don't spend your time and money creating crafts that may not be in season for whatever craft sale you may be attending.

Citronella Candle
DIY Wax Warmer Cubes
Happy Camper Pot Holder
Headband

Homemade Fabric Softener
Homemade Laundry Detergent
Homemade Toilet Bowl Cleaning Discs
Homemade Vanilla Extract
Hot Handle Holder
Hot Handle Pot Holder
Lemon Beeswax Candle
Pour and Melt LEGO Soaps
Stamped Wooden Utensils
Autumn Wreath
Baseball Wreath
Carpenter Bee Trap
Come Back with Tacos Welcome Mat
DIY Mailbox
Easy DIY Planters
Easy Faux DIY Boxwood Wreath
Farmhouse Wall Planter
Garden Art
Garden Hose Hiding Outdoor Planter
Garden Hose Holder
Hanging Fence Garden Boxes
HELLO Welcome Mat
HOME Welcome Mat
Modern Minimal Wreath
Monogram Planter
Succulent Turtle
Table Top Fire Bowls
Tall Garden Planter
Tapered Cedar Planters
Versailles Planter
Wood Flag Wreath

Crafts to Make and Sell from Home

The sky is truly the limit with crafts you can make and sell from home. Find a need out there that you yourself have had in the past. That's where some of my best ideas have come from through the years! I guarantee you someone will buy it! If you have a need, most likely someone else does also.

Backyard Four-in-a-Row (Connect 4) Game
Backyard Plinko Party Game
Backyard Scrabble
Cornhole Bean Bags
Cornhole Boards
Giant Jenga
Giant Kerplunk Outdoor Game
Giant Lawn Dominos
Ladder Golf Game
Oversized Tic Tac Toe
Scrabble Tiles
Wooden Yard Dice

DIY Crafts

Truly all of these ideas are a DIY, which makes them that much better! You are creating something for yourself and by doubling or quintupling the supplies and materials, you can have some to sell! Your time will most likely be around the same to create multiples or additional batches. When you work more efficiently, you really begin to realize even more profit!

3-Ingredient Salmon Cat Treats
Adjustable Dog Collar
Anti-Flea Dog Shampoo
Blueberry, Banana and Flax Frosty Paws Dog Treats
Breath Freshening Dog Treats
Burrow Dog Bed
Carrot And Banana Natural Dog Treat
Cat Bow Tie
Chicken Sweet Potato Dog Treats Recipe
Crunchy Tuna Cat Treats
DIY Dog Bandana
DIY Dog Bed

DIY Doggie Breath Mints
Dog Collar
Dog Leash
Dog Treat Holder
Dog Waste Bag Holder
Doggie Peanut Butter and Tummy Soothing Pumpkin Balls
Drawer Dog Bed
Easy Homemade Cat Treats
Elevated Dog Bed
Felt Bow
Flea Prevention Dog Treats
Grain Free Sweet Potato Dog Treats
Healthy Homemade Dehydrated Dog Treats
Homemade Dog Shampoo
Homemade Flea Prevention Dog Treats
Homemade Salmon Oat Cat Treats
Mud Puppy Cleaning Mitten
No Flea Dog Biscuits
No-Sew Dog Bow Tie Collar Slide
No-Sew Pet Bed
No-Sew Wedding Bow Tie
Paracord Dog Leash
Paw Balm for Dogs and Cats
Pet Bed
Pet Bowl Stand
Pet Coat
Rope Ball Surprise DIY Dog Toy
Snuffle Activity Mat
Spinach, Carrot And Zucchini Dog Treats
Tug-of-War Dog Toy

Sell Things Online

Some of these items would do very well if you wanted to sell them online. Especially the items that are smaller as it makes shipping cheaper and much easier to send. In my other post, Best Ways to Make Money with Crafts, I touched on the different ways you can market and sell your crafts. Definitely check out that post as there are lots of tried and true ways to sell your things online!

Bridesmaid Gift Box
Candied Pecans

Chunky Chocolate Cookie Mix
Chocolate Chip Cookie Cake

Country Six Bean Soup Mix
Cranberry Pecan Muffin Mix
Deluxe Oatmeal Cookies
Easy Gift: Not Your Average Wine Basket
Easy Playdough Recipe
Football Cookie Pops

Fruited Rice Mix
Glittery Gem Chocolates

Italian Tomato + Pasta Soup Mix
Oatmeal Raisin Spice Cookie Mix
Peppermint Hot Chocolate Mix
Pork Rub Mix
Raisin Oat Scone Mix
Rosemary Infused Olive Oil
Salted Caramel
Tea Bouquet
Hand Stamped Necklace
Stamped Brass Keychain
Stamped Jewelry
Stamped Keychain
Stamped Leather Bracelet
Stamped Washer Necklace
Activity Bags
Baby Blanket
Coloring Book Crayong Bag
DIY Car Seat Cover
DIY Farmhouse Doll Bed
Homemade Moon Dough
Homemade Play Dough
Homemade Slime Recipe
Liquid Chalk Paint
Rol-Up Organizer

How to Make Money

Don't forget that you can also make great money from home by offering services and goods. Check out the many comprehensive posts we have done through the years on How to Make Money. There are so many legitimate opportunities you can start with very little to no money required up front!

As for Crafts to Make and Sell for Profit, as I find other cool DIY crafts that I think would do well as a home-based business, I will update this list. Helping my friends – and you – find ways to add income to their family is truly a passion of mine. I always go the extra mile to support these businesses myself because I know it can literally mean a family can have a movie-night out once in a while. This type of income has also been a blessing for our family as well!

Check out other Ways to Make Money from Home!

Disclosure: This post contains a link to an affiliate and support this site. See my Disclaimer Policy for additional information.

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Copycat Honey Baked Ham in the Slow Cooker

by Savings Lifestyle: Andrea

This copycat honey baked ham recipe tastes just like the store-bought version – the glaze is an exact flavor duplicate! It's a slow cooker friendly recipe too!

We aren't near a Honey Baked Ham anymore to even considering making a purchase for the holidays. We never did anyway since our families always prepared the main proteins during our big dinners.

If you want to recreate the same flavor that Honey Baked Ham has, try this copycat recipe. It's simple and can be made in the slow cooker – BONUS! This will make you wondering why you ever purchased a ham to begin with!

Copycat Honey Baked Ham Ingredients

  • 7-8 lb Spiral Sliced Ham
  • 1 cup, Brown Sugar
  • 1/2 cup, Pure Maple Syrup
  • 12 oz, Pineapple Juice

Ingredients for Honey Baked Hame

How to Make Honey Baked Ham

  1. Unwrap ham and place flat side down in a large slow cooker. Throw away glaze packet and any plastic pieces that cover the bone.
  2. Rub brown sugar over the sides.
  3. Pour on maple syrup and pineapple juice.
  4. Cook on low for 4 hours.
  5. Baste ham with the juices from the bottom of the slow cooker.

Can I cook the Honey Baked Ham in my Instant Pot?

Yes, you can cook your ham in the Instant Pot! Seal the ham well in aluminum foil to preserve all the delicious honey baked juices! Cook the ham for 2 minutes per pound on high pressure.

Be sure to Pin this on Pinterest and save for later!

Find MORE Recipes HERE

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Copycat Honey Baked Ham in the Slow Cooker

Try this copycat recipe to make a Honey Baked Ham in the slow cooker. So easy and so good!

  • Author: Savings Lifestyle: Andrea
Scale

Ingredients

  • 78 lb Spiral Sliced Ham
  • 1 cup, Brown Sugar
  • 1/2 cup, Pure Maple Syrup
  • 12 oz, Pineapple Juice

Instructions

  1. Unwrap ham and place flat side down in a large slow cooker. Throw away glaze packet and any plastic pieces that cover the bone.
  2. Rub brown sugar over the sides.
  3. Pour on maple syrup and pineapple juice.
  4. Cook on low for 4 hours.
  5. Baste ham with the juices from the bottom of the slow cooker.

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Creamy Cheesy Instant Pot Chicken – Keto Friendly!

by Savings Lifestyle: Andrea

Are you in the Instant Pot cult? :) You either love them or are terrified of cooking with one! I'm honestly not a spokesperson for all things Instant Pot because I work from home and don't need to quickly prepare dishes from frozen to mealtime in minutes. But, I know there are advantages to use them beyond that!

One of them is with this recipe. You can add everything to your Instant Pot and it will be done in less than 15 minutes. And it's good. Like REALLY good!

Another name I've seen used for this recipe is “Crack Chicken” when you add bacon to it. Because, well, anything with this much cheese (and cream cheese) and bacon is sort of addictive.

We didn't add the bacon to this recipe, but you certainly can. Trust me, it will be DELISH! But, more than cheese and bacon addictiveness, the ease of the recipe makes you want to keep it in your repertoire because it's super simple and fast. This working momma needs SIMPLE FAST RECIPES!

The other nice thing about this Instant Pot chicken recipe is that it is a Keto approved recipe. Just make sure you're using a homemade base for your ranch seasoning to ensure there aren't any extra ingredients that aren't Keto compliant.

You can substitute chicken thighs to increase your fats as well. I have always felt that chicken thighs were more flavorful anyway.

Creamy Cheesy Instant Pot Chicken Ingredients

  • 1-2 lb, Boneless Skinless Chicken Breast
  • (2) 1 oz packets, Ranch Seasoning
  • 8 oz block, Cream Cheese
  • 1/2 cup, Cheddar Cheese (shredded)
  • 1 cup, Chicken Broth
  • Salt & Pepper (to taste)

Creamy Cheesy Instant Pot Chicken Directions

  1. Place the chicken breast in the bottom of the instant pot and season with salt and pepper.
  2. Place the cream cheese, ranch seasoning and chicken broth over the top of the chicken breasts.
  3. Place the lid on the instant pot and press the manual setting.
  4. Set the timer to 10 minutes making sure the quick release valve is closed. Once the timer has gone off after cooking then do a quick release.
  5. Carefully open the lid. Remove the chicken and shred using a fork and knife.
  6. Place the chicken back into the instant pot and stir in the shredded cheese.

You can add more shredded cheese (and bacon) if desired to your dish. This goes great with noodles, or if you are following a Keto lifestyle, serve on top of a bed of (prepared) Cauliflower Rice.

The recipe makes 4-6 servings, and is great for leftovers!

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Creamy Cheesy Instant Pot Chicken – Keto Friendly!

This Instant Pot chicken recipe is Keto approved! You can substitute chicken thighs to increase your fats as well.

  • Author: Savings Lifestyle: Andrea
Scale

Ingredients

  • 12 lb, Boneless Skinless Chicken Breast
  • (2) 1 oz packets, Ranch Seasoning
  • 8 oz block, Cream Cheese
  • 1/2 cup, Cheddar Cheese (shredded)
  • 1 cup, Chicken Broth
  • Salt & Pepper (to taste)

Instructions

  1. Place the chicken breast in the bottom of the instant pot and season with salt and pepper.
  2. Place the cream cheese, ranch seasoning and chicken broth over the top of the chicken breasts.
  3. Place the lid on the instant pot and press the manual setting.
  4. Set the timer to 10 minutes making sure the quick release valve is closed. Once the timer has gone off after cooking then do a quick release.
  5. Carefully open the lid. Remove the chicken and shred using a fork and knife.
  6. Place the chicken back into the instant pot and stir in the shredded cheese.

Notes

You can add more shredded cheese (and bacon) if desired to your dish. This goes great with noodles, or if you are following a Keto lifestyle, serve on top of a bed of (prepared) Cauliflower Rice.

 

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Taco Dip Recipe – Simple and Delicious!

by Savings Lifestyle: Andrea

This hot taco dip recipe is super simple to make! It is a staple at our home and for when we need a quick dish to take for an appetizer potluck.

Our family is a fan of refried beans, so I include this ingredient in our recipe. However, you could easily substitute ground beef or sausage if you are wanting some spice.

I'm also a fan of quick prep, so this taco dip recipe is hot and mixed together to bake in the oven. If you want to make it “prettier”, you can layer the ingredients and also add additions of tomatoes and lettuce. Or even put those on the top when the taco dip is done baking.

The other awesome thing about this taco dip recipe is that we almost *always* have all of the ingredients to make in the fridge and pantry. Like always. So, it's an easy go-to for those short notice invites!

Either way, it's gonna be good so I hope you enjoy it as much as our family does!

Taco Dip Ingredients

  • 8 oz, Cream Cheese (softened)
  • 1 1/4 cup, Sour Cream
  • 1 packet, Taco Seasoning
  • 1 16 oz can, Refried Beans
  • 2 cups, Mexican Cheese (shredded)
  • 1 cup, Salsa (optional)

How to Make Taco Dip

  1. Preheat your oven to 350 degrees.
  2. In a large mixing bowl, combine your cream cheese, sour cream and refried beans and mix use a hand or stand mixer.
  3. Mix in your taco seasoning, 1 cup of Mexican cheese and 1 cup of salsa.
  4. Scoop into a oven safe bowl, top with 1 cup of cheese and bake for 25 minutes.
  5. Serve with tortilla chips and enjoy!

The other awesome thing about this taco dip is that you can make it ahead of time! Just prepare all of the ingredients as stated above and stick it in the fridge. When you're ready to make it, just pop it into the oven or even scoop it into a crock, and enjoy in 30 minutes!

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Taco Dip Recipe – Simple and Delicious!

This hot taco dip recipe is super simple to make! It is a staple at our home and for when we need a quick dish to take for an appetizer potluck.

  • Author: Savings Lifestyle: Andrea
Scale

Ingredients

  • 8 oz, Cream Cheese (softened)
  • 1 1/4 cup, Sour Cream
  • 1 packet, Taco Seasoning
  • 1 16 oz can, Refried Beans
  • 2 cups, Mexican Cheese (shredded)
  • 1 cup, Salsa (optional)

Instructions

  1. Preheat your oven to 350 degrees.
  2. In a large mixing bowl, combine your cream cheese, sour cream and refried beans and mix use a hand or stand mixer.
  3. Mix in your taco seasoning, 1 cup of Mexican cheese and 1 cup of salsa.
  4. Scoop into a oven safe bowl, top with 1 cup of cheese and bake for 25 minutes.
  5. Serve with tortilla chips and enjoy!

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Stuffed Chicken Cheesy Keto Lasagna Bake

by Savings Lifestyle: Andrea

Our family has been following a keto diet on and off for over a year now. My hubby has had the most success with it (because he has higher willpower than me, on most days…) and has lost around 40 pounds!

The thing I love the most about this way of eating is that you're never hungry – like ever! And, you get to eat all of this amazing food like these stuffed chicken breasts! While this recipe is focused on a lasagna bake, you can really mix it up to your taste bud's content!

One of my favorite sites for all things Keto and yummy recipes (including low-carb recipes) is my friend Jennifer's site, Low Carb Inspirations! She has so many delicious recipes and great information for starting this way of eating. In fact, it was her hubby that really inspired my hubby to start on this meal plan. Be sure to check it out!

Stuffed Chicken Cheesy Keto Lasagna Bake Ingredients

  • 2 Chicken Breasts
  • 1 cup, Shredded Mozzarella Cheese (divided)
  • ¾ cup, Ricotta Cheese
  • ½ cup, Marinara Sauce (we like the Rao's brand)
  • 1 TBS, Olive Oil
  • ½ tsp, Dried Basil
  • ½ tsp, Dried Parsley
  • ¼ tsp, Garlic Powder
  • ¼ tsp, Salt
  • Salt and Pepper (for sprinkling)
  • Fresh Parsley  Garnish (optional)

Stuffed Chicken Cheesy Keto Lasagna Bake Directions

  1. Preheat the oven to 450 degrees F.
  2. In a medium-sized bowl, combine ½ cup of the mozzarella cheese, the ricotta cheese, basil, parsley and salt. Stir until incorporated and set aside.
  3. Place the chicken breasts on a cutting board. Use a large, flat spatula to press down on the top of the chicken breast and use your other hand to insert a knife into the thickest side of the chicken. Cut a pocket, being careful not to cut all the way through the other side and stopping before you get to the end of the chicken (creating a pocket, not a flap).
  4. Season the chicken breasts with garlic powder, and salt and pepper.
  5. Divide the mixture to stuff half into each chicken pocket.
  6. Heat 1 tablespoon of olive oil in an oven-safe skillet on medium-high heat. After the skillet is heated through, add the chicken breasts – top side down. Allow to cook for 5 minutes without touching. Turn off the heat and flip the chicken breasts over.
  7. Spoon on a layer of marinara sauce, followed by remaining shredded mozzarella cheese.
  8. Place in the oven for 12-15 minutes until chicken has cooked through. If not using an oven-safe pan, simply transfer the chicken breasts to an oven-safe dish and bake. If your chicken breasts are quite large – they will need the full 15 minutes.

Once you're finished baking, sprinkle on fresh parsley if desired and allow the chicken to rest for 5 minutes before serving. The great thing about this recipe is that is truly doesn't take much time to make – 10 minutes to prep and about 20 total minutes to cook!

Also, this recipe calls for 2 chicken breasts and depending on the size, it may serve 2 or up to 4 people. We tend to get larger chicken breasts (yes, even the organic free range birds can have large breasts) so usually 2 will feed our family of 4 with two adults and two hungry kids (our third hungry kid is eating in the college cafeteria :D).

Find MORE Recipes HERE

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Stuffed Chicken Cheesy Keto Lasagna Bake

The thing I love the most about this way of eating is that you're never hungry – like ever! And, you get to eat all of this amazing food like these stuffed chicken breasts! While this recipe is focused on a lasagna bake, you can really mix it up to your taste bud's content.

  • Author: Savings Lifestyle: Andrea
Scale

Ingredients

  • 2 Chicken Breasts
  • 1 cup, Shredded Mozzarella Cheese (divided)
  • ¾ cup, Ricotta Cheese
  • ½ cup, Marinara Sauce (we like the Rao's brand)
  • 1 TBS, Olive Oil
  • ½ tsp, Dried Basil
  • ½ tsp, Dried Parsley
  • ¼ tsp, Garlic Powder
  • ¼ tsp, Salt
  • Salt and Pepper (for sprinkling)
  • Fresh Parsley  Garnish (optional)

Instructions

  1. Preheat the oven to 450 degrees F.
  2. In a medium-sized bowl, combine ½ cup of the mozzarella cheese, the ricotta cheese, basil, parsley and salt. Stir until incorporated and set aside.
  3. Place the chicken breasts on a cutting board. Use a large, flat spatula to press down on the top of the chicken breast and use your other hand to insert a knife into the thickest side of the chicken. Cut a pocket, being careful not to cut all the way through the other side and stopping before you get to the end of the chicken (creating a pocket, not a flap).
  4. Season the chicken breasts with garlic powder, and salt and pepper.
  5. Divide the mixture to stuff half into each chicken pocket.
  6. Heat 1 tablespoon of olive oil in an oven-safe skillet on medium-high heat. After the skillet is heated through, add the chicken breasts – top side down. Allow to cook for 5 minutes without touching. Turn off the heat and flip the chicken breasts over.
  7. Spoon on a layer of marinara sauce, followed by remaining shredded mozzarella cheese.
  8. Place in the oven for 12-15 minutes until chicken has cooked through. If not using an oven-safe pan, simply transfer the chicken breasts to an oven-safe dish and bake. If your chicken breasts are quite large – they will need the full 15 minutes.

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Money Saving Challenges – Easy Ways to Save Money!

by Savings Lifestyle: Andrea

The beginning of a new year is a great time to jump in on a money saving challenge. With the fresh start, you can gain a positive outlook that helps your mind and your bank account.

Where do you begin with a challenge that saves you money? There are a few different kinds you can participate in, and we will discuss some of the most popular below!

52-Week Savings Challenge

With this kind of money saving challenge, you commit to saving a certain amount of money each week. You can place the weekly deposit in a bank account or keep it in a piggy bank at home.

You can choose to add in the same amount of money each week or scale it as the year goes. This is a great idea because most of our budgets will be hit hard by the recent holiday season. Though most people only contribute a small amount each week, by the end of 2019, you’ll have a nice little savings built up!

Interested in getting started with a 52-week savings challenge? You can download helpful charts all over the internet, like the 52-Week Saving Plan here , which helps you save over $1300 in a single year!

Cash Only Challenge

Your challenges don’t have to be all about saving money for a rainy day. They can also work to help control your spending so your budget isn’t destroyed and you aren’t living paycheck to paycheck.

With this kind of challenge, you vow to carry cash for expenses throughout the entire year. Cut up your credit cards at the beginning so you won’t be tempted to use them.

Bills can still be paid online or by check, but everything else (groceries, clothing, gas, etc) should be bought with cash. The idea is that you determine how much cash each category needs…and you don’t go over. Nor do you pull from another category’s budget.

To get started with a cash only system, you may want to consider learning more about Dave Ramsey’s envelope method. It’s a great way to curb your spending and use cash for the purchases you need to make.

No Spend Month

Another fun way to challenge yourself to save more money in 2019 is a no-spend month. Just as the name implies, you commit to spending no extra money in a given month. Of course, you will still want to pay your normal expenses, and maybe even set aside a little money for the unexpected.

However, this is the month to see just how well you can eliminate temptation and keep your money in your wallet. Forego last-minute coffee runs or pedicures with the girls when you are trying to complete a no-spend month.

These money saving challenges are a great way to boost your efforts to get out of debt, start an emergency fund, or pay for a fun vacation or new car. Just stay dedicated to the challenge you choose and you’ll see the rewards in your wallet soon!

Monthly Budgeting Ideas

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Monthly Budget Ideas: Template and Strategies to Stay on Track

by Savings Lifestyle: Andrea

Within the past few months, I've had a conversation with multiple people about budgeting. I don't think I'm an expert by any means, but we've been through a big debt payoff, a job loss, and other financial circumstances, and have managed by having a monthly budget in place.

Budgeting Spreadsheet - Monthly Expenses

Keep it Simple (KISS)

The advice I give to everyone starts with simplicity. Keep all your bills on a spreadsheet or in a notebook. List the name, due date and amount; you can add other information if you need it. Pay attention to the due dates so you never miss a payment and incur late fees.

I will be honest and say that I've paid more than my fair share of late fees. Not because we had insufficient funds, but because I was busy with so many other things. Consider adding items to a calendar so this doesn't happen to you.

Free Budget Worksheet

Create a Bill Paying Process

Pay all your monthly bills that have a fixed amount like your rent or mortgage first and then go in and pay your other monthly bills. Fixed bills are usually the most expensive and are always due on the same day every month. We have the fixed bills set to auto-pay which is super convenient if your online bill pay/bank offers this.

Pay your other monthly bills by the due date and in the order of importance. For instance, pay the electric bill before paying the cable bill. If something should go wrong, you at least have heat and lights. And if you're in debt payoff mode, just cancel the cable all together. There are lots of ways  you can watch TV for free.

6-simple-ways-to-save-money

6 Simple Ways to Save Money

Arrange any Overdue Payments

If for some reason you cannot pay a bill when it is due, don’t throw it aside and pretend it’s not there. Call the company and make arrangements to get it paid as soon as you can. The last thing you need is to have a bill turned over to collections, especially if you can make payment arrangements.

Create a Filing System

File your receipts as you go. Make files for all your categories like medical, donations and the like. After you pay the bill, put the receipts into the appropriate file folder. This only takes a few minutes and saves quite a bit of time come tax time.

While you are paying bills, it is a good time to sort receipts for items you may have purchased that month. File receipts alphabetically so you have instant access to them incase you need to use a warranty or return an item to the store.

Setting up your filing system and your account log whether it is on your computer or hard copy, takes time so definitely download the budgeting spreadsheet above to help in that department. Start now to get those files ready so you can make paying your next round of bills a little easier.

What budgeting tips do you have?

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