How to Save $2600 in 12 months! $50 a week!

How to Save $2600 in 12 months! $50 a week!

Trying to build up your savings can be one of the hardest things to do when your money is tight. So many people are living paycheck to paycheck and can barely find the money for their next meal, not to even mention building their savings.

When you think about having $2600 in your savings account in one short year, how does that make you feel? Pretty darn good, eh? (wow, there’s the proof that I’m Canadian!).

It really isn’t as hard as it sounds, making just these 10 small changes you can easily save $50 a week and make this goal a reality! 

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SWITCH expensive nights out for free entertainment 

As a 20-something most of my social invitations include nights out at a bar or expensive dinners with friends. Since we are social creatures and our need for interaction is real, we just need to find different ways to satisfy it with less of an impact on our wallets.

Some of the most fun nights I’ve had with my friends were game nights, we sit around for hours playing silly games and just laughing our butts off. Another option for a less-expensive evening is having a potluck dinner instead of going out. If everybody comes over with a different dish you’re able to sit around and have a good time without spending tons of money.

My absolute favourite thing to do with my boyfriend is to go for a nice walk down by some water! Lucky for me, I live near a river that’s a major border crossing between the US and Canada, and the walk is nice (for most of the year). It’s a great way to have uninterrupted conversations for an hour without distractions like phones, a great way to get closer to people. 

DROP unnecessary subscriptions 

We live in a time of subscription boxes and online streaming services but how many of these services do you really need to survive? Unfortunately, the answer is zero. I’ll admit to having a Netflix subscription because we don’t have regular cable and you need to watch stuff sometimes you know?

If you currently have cable you should really decide if it’s worth the 100+ dollars a month that you’re probably spending. It is probably cheaper to get smaller online subscriptions than a $100+ cable package.

If you have any other online subscription services (i.e., JustFab, Audible, etc.) it is usually possible to either pause the subscription or skip the month. I have a JustFab membership because I love shoes, but I skip anywhere from 7-10 months a year. I use it for a pair of boots and a nice pair of sandals each year. 

PLAN your meals ahead of time 

Meal planning is the key to keep your grocery bills down and also spending less money eating out. Failure to plan is planning to fail! Going to the grocery store with a list that is specific and easy to execute will stop you from impulse buying lots of junk food. Meal planning will also help you to bring meals to work for lunches which can save you anywhere from $5-20 a day! 

MAKE your savings a bill


A super popular finance quote is “do not save what is left after spending, but spend what is left after saving.” This is a really great thing to live by. So many of us go through our lives thinking that we don’t have the money to be able to build up a savings account because we have too many expenses, but let’s be real, we could make it work.

In order to keep yourself consistent with your savings efforts, you’re going to want to throw an automatic payment to a separate bank account into the mix. If you’re paid every other Friday, you can set up an automatic payment for $100 every time you get paid and you won’t even get to see this money which will cause you to save without really noticing that you’re doing it. 

SHOP at dollar & discount stores first

When you’re young so many people are focused on brand names and don’t think that shopping at dollar/discount stores is “cool”. Saving money isn’t cool, and to be honest it never will be. I’m here to make it cool, kids!

Dollar stores have a lot of decent brands of cheap stuff that you can get for half the price you’d pay at a regular store. You can get cleaning supplies, kitchen stuff, and so many other things for a dollar instead of $5 at a grocery store. 

MAKE your morning coffee at home 

I totally understand a person’s need to caffeinate in the morning. There are some days I swear I wouldn’t be able to get out of bed without having some caffeine to look forward to. However, I’m not the type to go to Starbucks and spend 5+ dollars every single morning for a single cup. You can buy a decent thermal mug, and a french press and make some really great coffee at home! In the long run, it’ll save you hundreds of dollars. 

CUT out junk food 

Ahhhhh, the dreaded cutting out of things that make us feel good. This is one of the tips that will also help your wallet and your waistline. More bang for your buck. Junk food is one of the more expensive foods you can buy for what you get nutritionally when eating it.

Cutting out junk food is going to both make you feel better physically as well as increase your savings. I’m guilty of often using junk food as a way of rewarding myself when I do good, or forgiving myself when something goes wrong. It’s a crutch for so many people and it’s a great thing to do. 

EARN cash back when online shopping 

Have you ever heard of the website Ebates? It’s this incredible online rebate website that gives you actual money back when you buy things online on your favourite websites! Sometimes online shopping is unavoidable, we need things, we want things, and you may as well make some money back when you buy things! If you click my referral link below, you can sign up for Ebates and start earning cash back today!

BUY generic whenever possible

Anything that isn’t possible to buy cheaper at a dollar store will probably have some kind of generic brand at a grocery store. You can get the same quality butter, cheese, bread, etc. without ever having to pay that brand name market up and can add up to tons of money in no time. 

SAVE on heating costs

Utilities are a pretty big chunk of most people’s expenses for the month. Putting on more clothes and waiting longer to turn up the heat is a great way to save some good money in the winter. Also, it’s super important to winterize your windows and doors to keep the cold air out and keep the kind-of warm air in!

Growing up we live in a horribly insulated house so the heating costs were insane, my mom always encouraged us to put on extra clothes and blankets before we were able to turn up the heat. 



I really hope these 10 tips will help you to save at least $50 a week so you can have a cool $2600 in your savings account by the end of the year. As always, be sure to leave any comments down below.

Thanks for reading, 

save money


Hey! My name is Taylor O’Halloran and I’m a huge fan of saving money any way I can.I’m obsessed with dogs and I love all kinds of cheese even though my stomach hates it.  I’m a recent university graduate who just wanted to do her own thing and see what happens! Follow me on the journey!

25 thoughts on “How to Save $2600 in 12 months! $50 a week!”

  • The coffee tip and the uneccessary expense tip are right in line with recent changes I’ve made at home! Brewed coffee is our new alarm 😉 It’s amazing how much the subscriptions can add up (Netflix, Blog apps etc). I recently trimmed down that list and am saving almost $40 a month!

  • This is a really great list!! I have really found that planning meals ahead of time, making coffee at home, and cutting out unnecessary junk / fast food has been the hugest savings for us these past few months. It sure adds up fast!

    • It’s so so hard to not go out and buy food every other day but it saves everyone sooooo much money

  • Thanks for the tips. For me eating out comes up to ALOT and it is a hard habit to break. I means that we need to cook more. So I’m trying my best at that. What I do as well is cut out buying fast fashion. Clothes that are of little quality but cheaper, which means I’d buy more often.Which means I tend to spend more. So I buy better quality clothes that last me a LONG time so that I don’t need to spend excess money. Last but not least, I am skipping out on christmas this year. I just don’t want to spend that money.

    • Christmas is my favourite holiday so I don’t think I could ever just skip it haha. But the fashion thing is definitely a good plan, I always find myself buying like $5-10 tshirts and being upset when they fall apart after a month.

  • All amazing tips – and really useful. Free entertainment is the best – hiking outside, playing board games, a team sport… so much better than trips to the cinema!

    • Exactly! I’d much rather watch a Netflix movie on my couch than go spend $50 to see a movie! Crazy stuff

  • I think it’s so important to drop unnecessary expenses. Most don’t realize how much is being wasted on things like cable or satellite until they really look at their budget with a discerning eye.

  • I love the idea of making your savings a bill. I see so many people struggle during times of economic downturn and it is mail because they never knew how to save, a constant life style of hand to mouth, carried down from generation to generation.

    • Everyone knows they HAVE to pay their bills so it’s so important that they treat their savings like a bill as well! Thanks for reading

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