Tosha Larios Mastering Money-Saving Hacks with Advanced Girl Math

Tosha Larios Mastering Money-Saving Hacks with Advanced Girl Math

Hi everyone! I’m Tosha Larios, and today, I’m excited to share a fresh money-saving topic for my Advanced Girl Math blog. If you’ve ever felt like saving money is tough or just want to make smarter choices with your spending, you’re in the right place. Today, we’ll explore easy and fun money-saving tricks that can make a big difference. With these hacks, you’ll be able to save money while still enjoying life.

For more tips on money and living sustainably, check out my other blogs, like Star Track Farm, where I focus on sustainable farming, Food as Medicine for healthy living tips, and STEM with Dr. T if you’re interested in science and technology.

What Is Advanced Girl Math?

First things first—what is Advanced Girl Math? Advanced Girl Math is a clever way to think about spending and saving money. It’s all about taking control of your finances and making decisions that work for you. The goal is to balance enjoying life with being financially smart. Whether it’s getting the best deals, saving on everyday items, or finding creative ways to stretch your dollars, Advanced Girl Math is all about making money work for you.

As the creator of Advanced Girl Math, I want to show you that saving money can be simple and even fun! These tips aren’t just about cutting back—they’re about finding ways to do more with what you have. Let’s get started!

Tip #1: The Power of “Cash Envelope Budgeting”

The first tip is something called the “cash envelope system.” It might sound old-school, but it’s super effective. Here’s how it works:

1. Set Up Your Budget: Start by listing out your monthly expenses. Break them down into categories like groceries, entertainment, eating out, and shopping.

2. Get Envelopes: For each spending category, take an envelope and label it. Place your budgeted cash in each envelope.

3. Spend from the Envelope Only: When you need to buy something, use only the cash in that envelope. If the envelope is empty, you’re done spending for the month.

Using the envelope system makes budgeting feel real and helps you avoid overspending. Plus, it’s super satisfying to see the cash you have left at the end of the month.

Tip #2: “Buy It Right” and Skip the Junk

A smart way to save money is to focus on quality, not quantity. Instead of buying lots of cheaper items, try investing in a few high-quality ones that will last longer. For example, buying a quality winter coat might cost more up front, but it could last you for years. In the long run, this saves you money and avoids constant spending on replacements.

This is also true for food. Instead of buying lots of processed snacks, buy fresh ingredients and cook at home. It’s healthier and often costs less. You can find great tips on cooking healthy meals on my Food as Medicine blog. Cooking from scratch can be both a fun hobby and a money-saver!

Tip #3: Track Your “Invisible Expenses”

Invisible expenses are the small costs that sneak up on us. Things like streaming services, app subscriptions, or convenience store snacks can add up without us realizing it. Take some time to track these little expenses.

1. Review Your Subscriptions: Do you really need five different streaming services? Cut back to one or two and rotate every few months to keep it fresh.

2. Pack Snacks and Drinks: Buying snacks on the go can add up. By preparing snacks at home, you’ll save money and can choose healthier options.

Invisible expenses may seem small, but saving just $20 per month adds up to $240 a year! If you’re interested in more creative ways to manage money, check out ToshaLarios.com.

Tip #4: The “Wait 48 Hours” Rule

Impulse buying is one of the biggest money wasters. To combat this, try the “Wait 48 Hours” rule. Here’s how it works:

1. See Something You Want? Wait! – If you find something you want to buy, wait 48 hours before purchasing. This gives you time to think it over.

2. Ask Yourself Questions – Do you really need this? Will you still want it in a week?

After waiting, you might find that you don’t really need or want the item. This simple rule can save you hundreds of dollars each year on impulse purchases. Plus, you’ll appreciate the things you do buy even more!

Tip #5: Earn Rewards on Your Spending

Another way to make the most of your money is by earning rewards on things you already buy. Look for cashback or reward programs that match your spending habits. Just be careful not to overspend just to earn points. It’s all about balance.

1. Cashback Apps: There are many apps that offer cashback on purchases. Check out your options and choose one that works for you.

2. Store Rewards Programs: Many stores offer loyalty programs. If you shop somewhere often, join their program to save money.

You can then use the rewards or points for future purchases. It’s like getting a little bonus each time you shop! For more financial tips, be sure to visit my main site, ToshaLarios.com.

Tip #6: Meal Prep Like a Pro

Planning and prepping meals in advance can be a huge money-saver. By planning out your meals, you’ll avoid last-minute takeout or grocery runs. Plus, cooking at home is often healthier and less expensive.

Here’s a quick guide to meal prepping:

1. Choose Simple Recipes – Pick a few simple recipes that use similar ingredients. This cuts down on food waste and makes shopping easier.

2. Batch Cooking – Cook meals in large batches and store them in the fridge or freezer. This saves time and money.

For more cooking inspiration, head over to my Food as Medicine blog where I share healthy and affordable meal ideas.

Tip #7: Shop Secondhand

Shopping secondhand is not only good for your wallet, but it’s also environmentally friendly. Thrift stores, consignment shops, and online resale platforms offer a treasure trove of affordable items. You can find clothes, furniture, and even electronics at a fraction of their original price.

1. Find Deals at Thrift Stores – Many thrift stores carry high-quality items. With a little patience, you can score amazing finds.

2. Online Marketplaces – Websites and apps like eBay, Poshmark, and Facebook Marketplace have great deals on gently used items.

Shopping secondhand helps you save money while reducing waste. For more ideas on living sustainably, check out Star Track Farm and learn how we practice eco-friendly farming.

Why Advanced Girl Math Works

Advanced Girl Math is all about finding creative ways to make your money work for you. These tips are practical, simple, and designed to help you save money without feeling deprived. When you take control of your finances, you have the power to make smarter choices and enjoy the things you love.

I’m Tosha Larios, and I hope these tips inspire you to try a few new money-saving tricks. Whether it’s using the envelope system, shopping secondhand, or following the “Wait 48 Hours” rule, there’s something here for everyone. For more tips and inspiration, visit my websites: Star Track Farm, Food as Medicine, and ToshaLarios.com.

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