Ask Crystal: What money-saving methods are price your time?

Each Thursday in 2025, I’ll be answering a query on cash and/or budgeting. You probably have a query you’d love for me to reply in an upcoming publish, please submit it right here.

This week’s query is:

“I might love so that you can share some money-saving methods you are feeling are definitely worth the effort and time.” – a reader

I like saving cash, however what I like much more? Saving cash in ways in which really make a distinction with out taking on my complete day. As a result of the reality is: time is cash, too!

Among the finest methods to determine if a money-saving technique is price your effort is to consider it when it comes to return on funding (ROI).

Ask your self:

How a lot does this save me per hour?

Is {that a} good hourly “wage” for my effort?

Would I moderately spend my time doing one thing else that gives a greater return?

And right here’s the most effective half—each greenback you save is tax-free! In contrast to earned earnings, you don’t must pay taxes on cash you didn’t spend.

So, what money-saving methods are literally price your time? Nicely, that’s going to be totally different for each individual, however I’ll share 5 money-saving methods within the kitchen which may enable you get the wheels delivering your mind as to what could be price your funding of time for the cash saved:

5 Cash-Saving Methods That Are Well worth the ROI for Me (Kitchen Version!)

1. Making Do-it-yourself Uncrustables – Saves $0.80 per minute

My children love Uncrustables, however they’re expensive? As an alternative of paying practically a greenback per sandwich, I make my very own in batches and freeze them. It takes round 10 minutes to make a dozen, and the financial savings add up shortly.

Value it? Completely! That’s practically $50 saved per hour!

2. Checking Grocery Retailer Gross sales Flyers – Saves $1–$2 per minute

Earlier than I place my Kroger supply order, I spend about 10 minutes scanning the gross sales flyers for the most effective gross sales, digital coupons, and BOGO offers. By specializing in what’s on sale and planning meals accordingly, I save wherever from $10–$20 every week—generally extra!

Value it? YES! It’s a straightforward method to stretch our grocery finances with little or no effort.

3. Planning My Menu Round What We Have on Hand – Saves $1–$2 per minute

Meal planning doesn’t must be difficult! As an alternative of beginning with what sounds good or simply attempting to provide you with concepts, I verify my pantry, fridge, and freezer to see what I could make with what I have already got. This reduces waste, prevents pointless grocery runs, and saves cash.

Tip: Want some fast and straightforward meal concepts — many that can use objects you might have already got readily available? Obtain my free cheatsheet: 60 Meals to Make As an alternative of Getting Takeout.

Value it? 100%! Bonus: It additionally retains meals from going unhealthy!

4. Bringing My Lunch to Work Each Day – Saves $1–$2 per minute

Shopping for lunch out can simply price $10–$15 per meal. Packing my lunch takes possibly 5–10 minutes within the morning, nevertheless it saves me $50+ per week. That’s over $2,500 a 12 months!

Value it? Indubitably! And I eat more healthy, too!

5. Meal Prepping on the Weekends – Saves $30–$40 per hour

Spending an hour or two prepping components (chopping veggies, marinating proteins, making a giant batch of rice or soup or muffins) makes it a lot simpler to throw meals collectively in the course of the week. Not solely does it stop the “let’s simply seize takeout” temptation, nevertheless it additionally saves money and time.

Value it? Sure! The time financial savings alone make it a no brainer!

Not Each Cash-Saving Hack is Value It

Whereas I like a superb frugal win, not each trick is a good use of my time. For instance:

Driving throughout city to avoid wasting $0.10 per gallon on fuel – That’s only some {dollars} in financial savings for an additional 20-minute journey. Nope!

Saving cash on groceries I received’t use – If I spend 20-Half-hour taking a look at gross sales and digital coupons and plan a purchasing journey that saves some huge cash however I’m shopping for issues we received’t even use, that’s not saving cash.

DIYing every thing – Some issues (like home made laundry detergent) won’t really save that a lot if you consider effort and time.

What Cash-Saving Methods Are Value It for You?

I’d love to listen to from you! What’s a frugal technique that saves you good cash for the time invested? And what’s one thing you tried however realized wasn’t definitely worth the effort? Drop your ideas within the feedback!