How to be $10,000 richer this year!

Published on April 4, 2016 By Lauren

Looking for ways to make or save extra cash? This will show you how to be $10,000 richer next year! For Real.

We could ALL use a raise this year, am I right? And maybe you didn't get one… or worse yet, maybe you did, but it was completely negated by the increase in your health insurance premiums!

That's why I want to share with you some strategies so that exactly one year from now, you can be $10,000 richer than you are right now!

Some of these will be saving money, and some of these will be ways to earn extra money… because, at the end of the day, it's still money in your pocket!

How to be $10,000 richer this year!

1. Cut the cord!

You don't need cable anymore. You have the internet, you already have Netflix, so just be done with cable. Your husband can't live without ESPN? Well… he doesn't have to! Check out these 10 alternatives to cable!

But I'll just cut to the chase and tell you my 2 favorites – Sling TV, and DirecTV Now. With Sling, I get all the cable channels, and it's only $20 a month!

Monthly Saving: $50

Annual Savings: $600

Running Total: $600

2. Sign up for Opinion Outpost.

Opinion Outpost is BY FAR my favorite online survey company. By just taking a few surveys a month (which don't take long and are actually interesting), you earn $15 a month EASILY.

Monthly Earnings: $15

Annual Earnings: $180

Running Total: $780

3. Use Republic Wireless.

If you use one of the major carriers for your cell phone service, you are easily paying $60+ per line! It is crazy that we have come to accept this as the norm. And you probably have 2+ lines in your home.

You can SAVE big time with Republic Wireless! For a 1GB plan, you will pay $20, and then they give you a refund for any data that you didn't use. The average refund is $8, so on average, you will only pay $17 a month for your smartphone plan! Oh, and if you go over, they don't rip you off.

Check out my full review of Republic Wireless here.

Monthly Savings: $72

Annual Savings: $864

Running Total: $1,644

4. Shop at Aldi.

Basically, it's my favorite grocery store. Maybe my favorite store period. All I know is that when I shop at the local supermarket, I spend about $30 more per trip. Making this one change will easily save you $120 a month.

Just getting started at ALDI? Here are my 30 favorite things to buy there, and here are my top 13 shopping tips for ALDI!

Monthly Savings: $120

Annual Savings: $1,440

Running Total: $3,084

5. Use Swagbucks.

Every little bit helps, and it's REALLY easy to make some extra cash using Swagbucks. I've got a whole post dedicated to showing you how to use it in the easiest ways possible. With just a minute or two a day, you can easily earn $15 a month just sitting in front of the TV in the evening.

PLUS – when you shop online, buy through Swagbucks and earn extra

You can sign up HERE.

Monthly Earnings: $15

Annual Earnings: $180

Running Total: $3,264

6. Meal Plan

This might be the easiest and most significant way for you to be richer in 2016. Personally, I save HUNDREDS per month by planning and preparing my dinners ahead of time. And money isn't the only thing I'm saving… how about tons of time and my sanity!

Why does this work so well? For a couple reasons – first, there is literally zero food waste. Secondly, while the meals can be fantastic, they focus on using less expensive ingredients.

That's why I've carefully crafted a bunch of meal plans that you can use; I've made it as easy as possible. And these meal plans are created with ALDI shopping lists, so you can save both because you're meal planning, and because you are shopping at ALDI!

Here are my Aldi meal plans – or you can start with the free one below!

Monthly Savings: $200

Annual Savings: $2,400

Running Total: $5,664


I know that the word “budget” isn't something you like to read. But learning how to budget will save you thousands. Trust me.

This is one that I can't just put a hard number on. All I know is that from experience, in any month where I do budget, I spend considerably LESS money than those months where I neglect my budget. Like, hundreds of dollars.

To a spender like me, a budget is invaluable. Even if you feel like you can't figure out how to budget when you don't make enough money, you've got to start. And let me help.

For free – pick up this budgeting pack. It's got everything you will need to get you started.

Download Budgeting Pack

Monthly Savings: $100 (VERY conservative estimate)

Annual Savings: $1,200

Running Total: $6,864

8. Sell Stuff!

Here is your challenge: spend a couple hours going through your basement, garage, attic and closets and find stuff that you don't use. Then sell it using Craigslist, Facebook, eBay or a bunch of other apps that make selling stuff easier than ever.

But sometimes, nothing beats a good old fashioned garage sale – here's how to have a super successful garage sale.

I can almost guarantee that you find AT LEAST $1,000 worth of stuff. I personally do this every few years and consistently fetch $1,000. That's a nice emergency fund right there!

Annual Earnings: $1,000

Running Total: $7,864

9. Don't go out to eat.

I love going to restaurants… but with a family, boy it can get expensive. Did you know that the average family spends $225 a month going out to eat? How about this, keep $25 a month for getting pizza or takeout, but for the rest of the month – don't go out to eat!

Not that restaurants are bad, I love them – but if you use them as a special treat and not something you do weekly, you will save a TON. But make sure to use a coupon when you go! Here's comprehensive list of 72 restaurant freebies!

Monthly Savings: $200

Annual Savings: $2,400

Running Total: $10,146

10. Get $500 in Free Cash-Back rewards with Chime Bank

That's right! The online-only Chime Bank has a “keep the change” type program that gives you a weekly 10% bonus on what you saved that week, up to $500 each year.

Running Total: $10,646

Now I realize that you might already do some of these things, in which case you might not actually be able to be $10,000 richer using the ideas specific to this post. But here's the thing – I didn't list everything!

Do you have some awesome ideas on becoming richer in 2016 by doing some really simple things? I'd love to hear about it in the comments!

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