We’re all looking for ways to live our values and have our spending align with our priorities. The only question is: how?

It seems that every day something else is vying for our attention. Many families have been delaying expensive purchases because of uncertainty and turbulence. If you’ve been thinking about how to spend according to what matters most, consider 3 key ideas.

There are so many ways to identify your priorities and achieve savings…here are my top 3 favorites.

Eat Less Meat

If you’re looking for a big solution, eat less meat.

It may seem like an unusual place to start. However, if you shift from eating meat, you will save money on your grocery bill. How much is entirely up to you?

Please don’t take my word for it. Instead, run a personal experiment. Make a move in the direction of eating less meat by initiating a Meatless Monday. Use this day to experiment with eating more vegetables, grains, and whole foods. No meat. All-day.

Then, check your grocery bill. Do you notice a difference?

One friend told me she saw an immediate drop in her bill of 30%.

When you’re eating less meat, you’re not just saving money. You’re also supporting the health of your family. You’re introducing vegetables and whole foods that your children and spouse may come to prefer.

Besides, you’re supporting the earth. It takes a lot more acres to feed a cow than it does to grow enough vegetables to feed people.

And that’s not all. You’re also contributing to not killing innocent animals. Many cows are raised and slaughtered in inhumane conditions. By opting for vegetables, you are helping guide the direction towards the compassionate treatment of animals.

So, let’s say you go for a Meatless Monday and see the benefits.

Why stop there? You can easily expand the zone of no or less meat to two, three, or seven days a week. The choice is yours. My bet is you’ll feel lighter, support your family’s health, help the planet, and spend less. That’s a win-in in every direction.

Use Vinegar

I bet you have noticed that household items can be problematic for the environment. As a conscientious person, you may have looked into buying organic products to reduce potential pollutants.

This is a smart move, but it’s very likely expensive. That’s why our moms and grandmothers often turned to a simple substance: vinegar.

Vinegar is a remarkable product. It can be used to replace so many cleaners and household products. I didn’t believe it at first, but it has the strength to remove scum from the bathroom and mold from the hard-to-get places in the shower.

You can even use it to clean the toilet and bathtub. This is an awesome way to create a healthy household and save money on an ongoing basis.

Protect Your Family

No one likes to think about unexpected events. But sometimes, often in the middle of the night, you may find yourself searching for ways to prepare for unexpected events.

I just got off the phone with a friend who was up all night. Here’s what Sara told me, “I couldn’t stop myself. I was turned into some kind of threat channel in my psyche and I kept thinking about what could help me prepare my family should something happen to me.

I was randomly typing in topics like, buy term life online, build a retirement plan, and start an emergency fund. Before I knew it…the sun was coming up and I still hadn’t gotten any sleep.”

If you find yourself worried and concerned about protecting your family, it is entirely understandable. What can you do? Take specific action. Yes, you can buy insurance. Yes, you can start a retirement plan. Yes, you can take steps to save up for a rainy day emergency fund.

When you do take specific actions, you’ll worry less—and most likely you’ll also have higher quality sleep. With more sleep, you’ll be in a better state of body and mind to deal with whatever is up for today.

Sum Up

There are so many ways to align your values and your spending. What are you going to do today?

Over the past year, there has been so much uncertainty that thinking about the future can be anxiety-riddled. From local stay-at-home-orders to disruptions in how we work, shop, and play, the situation seems to always change from one thing to another.

And if you want to end up broke, comfort spending is one of the more convenient ways to do it.

During the pandemic, specific industries like cosmetics and sun care reported a sharp decline in products purchased. Several other consumer goods saw a massive uptick in sales.

The leading cause of these changes has been that more and more people are shopping from home with delivery services.

The ease that shopping from home has can also be an issue for overspending. And as we know, overspending can be one of the simplest ways we go broke and ruin our budget.

Regardless of your needs, shopping smartly and not overpaying for food is crucial in today’s environment of economic uncertainty.

It’s The Little Things That Add Up

To save money on food, you should consider alternatives to processed, high-fat, high-sugar items and think about shopping for food in their natural forms.

Foods in their natural state can be versatile ingredients for many different recipes, and combining other things is a great way to make delicious, healthy meals while saving some money along the way.

When grocery shopping, consider buying for a more plant-based diet versus meats, buying bulk grains like rice instead of packaged meals, and most of all, remember that you can shop cheaply and still eat healthily.

In addition to being expensive, processed and junk foods don’t offer much in the way of nutrition.

They are often loaded with fat, sugar, and salt as well.

It’s Just One Cup Of Coffee

One of the most significant luxury items that we spend money on is coffee. In fact, it’s thought that you could save $1,200 or more a year by making coffee at home and not purchasing it from a local coffee shop.

That little one cup of coffee can cost between $3-4 dollars a day, spread out over 30 days is almost $100 a month. $100 a month times 12-months, and you can see how that adds up.

If saving money on your coffee is one thing you want her thing to consider, make small batches such as a single cup of coffee at a time. No, not a Keurig cup. Those are costly, and they create a ton of debris as well. Instead, consider making a small batch of coffee, such as with a pour over coffee technique.

With this technique, you make one or two cups at a time by filling a filter or french press and pouring hot water over the grounds into one mug, wasting little additional coffee grounds in the process.

Making coffee at home doesn’t mean that you need never buy another cup in a coffee shop again. Just be reasonable and budget for it as you would any other expense. An occasional cup from your favorite spot is fine.

But it needs to fit in as a luxury item or reward for some other task you have to perform first.

There are numerous ways to save money, from making food and coffee at home to cutting back on purchases you don’t need.

Whimsical Purchases

Buying something on a whim can lead to other costly purchases that can disrupt the delicate balancing act you’ve created with your budget, so be sure that the purchase is something you need.

If it’s crucial, shop around and see if you can find a lower price online as well as in person.

One final way to overspend with comfort purchases is by buying too many things for our children.

Look, I get it; it’s easy to want to make your kids happy and comfortable in all that’s taken place over the past year.

But buying every little toy, device, or thing just because they say they’re bored or disinterested doesn’t help them develop coping mechanisms. It reinforces quick fixes for something that may take time to correct.

Spending outside of your budget is one of the easiest ways for you to go broke and is also one of the easiest ways to control unnecessary spending.

Creating a budget is an excellent first step, but what you choose to spend money on is also just as crucial in keeping above water with your finances.

You’re ready to get car insurance but don’t want to pay more than you need to. To get a good deal, you need to know a few things. The more you know, the better your arrangement is going to be. The following are five things you need to consider as you shop for car insurance.

1. The Claim Frequency

Some insurance companies look back three years to see if you’ve had a claim. Other companies look back five years. If you haven’t had an accident, this shouldn’t worry you too much. If you’ve had an accident in the last four or five years, you might find this information quite helpful. If you don’t want your insurance company to go back that far, then opt for one that looks back three years, and you should end up with a better deal than you would have otherwise. As a side note, if you’ve never had an accident, then ask about a safe driver discount. Some companies offer them.

2. Have a List

You should consider writing a list of questions as you shop for your auto insurance policy. You need to ask questions like do you need insurance on a car that doesn’t run or if the coverage will cover you in certain lines of work. Most policies will not cover you if you’re a delivery person or use your car for freelancing jobs. You’ll need to get additional coverage to take care of yourself during those times. If a vehicle doesn’t run, it needs to be insured unless the car isn’t registered. Include any other questions you can think of on this list.

3. Look for Discounts

It’s essential to find out about potential driver discounts offered by auto insurance companies. Each insurance company offers specific discounts to their drivers, so find out what those are. Some of them offer discounts to warehouse shopping clubs, while others offer discounts to folks who’ve taken defensive driving classes. Some insurance companies offer discounts if you don’t drive your car as much. Each of these discounts could make it easier to pay for your policy. Find out what deals are offered by many companies until you find one that gives you the most.

4. Ask About Optimal Coverage

Insurance companies offer optimal coverage options, and you need to know what those are. Some offer things like roadside assistance, but you can add additional coverage to your policy, like having rental reimbursement. You know how much a car rental can cost. Imagine using a rented car for days. It could end up costing you a lot more than you want to pay. If you get this coverage, you won’t have to worry about it. Remember to find out how these additional coverages are going to affect the entire price tag.

5. Consider Deductibles

Deductibles are important. If you’re willing to accept a high deductible, then you might be able to lower the amount of money you have to pay each month to be covered. If you can’t pay a high monthly installment, you could raise your deductible. It’s crucial to find out more about this before you make a decision. Work your budget out and find out how much you can handle a month. If you are going to have a high deductible, make sure you have this cash saved somewhere, just in case you ever need it.

These five things should help you get pretty good car insurance. Don’t rush this journey. Talk to as many companies as possible so that you get the best deal you can.