A few months ago I started posting discussion-based photos on my Instagram. One that really got the conversation going was when I asked all of you about your money-saving tips because let’s get real—we could all use the advice. Since we all can’t meet with financial advisors or work with a brokerage firm, I figured we might as well talk with our peers! Ahead, I’m listing some of my biggest takeaways from our discussion and that I thought would be really helpful to turn into a blog post.

Use Cash

I’ve personally found that I can hold myself accountable when I use cash, and I have that in common with a lot of you as well. It’s so easy for us to swipe a card and forget about a transaction as if it were nothing at all, but having cash in front of our eyes allows us to see how much we’re spending better. You can also set a budget for yourself for how much cash you’re allowed to spend every week with this method. Again, it’s all about accountability.

Utilize Financial Apps

Since we’re in the digital age, there are so many financial apps available for us to use now. We can use financial apps for investing money, tracking spending habits, transferring money to others, and help with self-employment. Some of my personal favorites include Mint, Acorn, and Quickbooks.

Automatic Money Transfers

This might sound a little scary, but hear me out. One of my followers said she transfers $10 from her checking account to her savings and the total slowly begins to add up without her noticing much. If you can start with a small amount such as $10 a day, this can eventually make a difference. I know others who always transfer at least half of their paychecks into a savings account. While that’s not realistic for everyone, try setting up an automatic payment to transfer funds into a savings account, even if you have to start small.

Cancel Subscriptions

When was the last time you actually looked at what you’re subscribed to? I think everyone I’ve met is guilty of being signed up for things that they don’t even use anymore, or they forgot they had a membership for! Even a subscription service with a charge as small as $2.99 a month can add up unnecessary charges to your account. Take the time to look through your bank account charges, manage your subscriptions, and get rid of anything you don’t use.

Dine In and Eat Out Less

I know this is the last thing you probably want to hear, and I’m so guilty of this myself. I go out to dinner a lot and I often find myself ordering Postmates for several of my meals throughout the week, but it’s killing our savings! A recent study actually found that millennials aren’t able to save as much money because we tend to eat out more and use food delivery services more than any other generation. About 54% of us eat out at least three times a week, and the cost adds up. It’s time to start buying some more groceries!