💰 How to Save $100 Per Month – Even If You’re Broke
Do you feel like your money disappears by the 10th of every month?
You’re not alone. In 2025, as the cost of living keeps going up in the USA, Europe, and the Middle East, even saving $100 a month can feel out of reach.
But here’s the truth: saving $100 a month isn’t about earning more – it’s about managing better.
In this guide, I’ll show you simple, proven strategies to save $100 (or more) every single month, even on a low income – with zero budgeting experience.
💡 Why $100 a Month Matters
$100/month = $1,200/year
With 5% interest, it grows to ~$1,260
In 3 years: ~$3,900
In 10 years: $15,500+ (with compound interest or investing)
Now imagine doing this without stress or sacrifice.
Let’s get into how.
🧾 1. Track Where Your Money Actually Goes
Most people believe they know how they spend their money. But in reality, small expenses eat away your income.
Use free apps like:
Mint (USA/Canada)
YNAB (You Need A Budget)
GoodBudget (Global)
Emma (UK/EU)
Baraka or Sarwa (UAE & MENA)
👉 Action Step: Log your last month’s spending. Highlight “non-essential” expenses like eating out, delivery, random subscriptions.
Just this step can reveal $50-$150/month in waste.
🍔 2. Cut Back on Food Delivery & Coffee
Let’s be real:
$6 coffee × 20 days = $120/month
Food delivery (avg. $15/order) × 5 times = $75+
No, I’m not saying cut it all out – but cutting it by 50% can save you $80-100/month instantly.
Hack:
Prep meals 2–3x/week
Use apps like Too Good To Go (EU/UK) or Flashfood (USA/Canada) for cheap grocery deals
Carry a reusable coffee cup & make your own iced coffee at home
📱 3. Cancel or Switch Subscriptions
Most people pay for things they forgot they even subscribed to:
Examples:
Streaming (Netflix, Hulu, Shahid, etc.)
Premium apps or games
Gym memberships never used
👉 Use tools like Truebill or Revolut’s Subscription Tracker to find and cancel them.
✅ Goal: Cut $20-40/month minimum here.
🛍️ 4. Try the “24-Hour Rule” Before You Buy
Impulse purchases are the #1 savings killer.
Before buying anything non-essential:
Wait 24 hours. Ask yourself: “Do I really need this?”
You’ll be shocked how many things you skip.
This habit alone can save $30-50/month without effort.
🏦 5. Automate Your Savings
Set up a system where $25/week automatically moves to a savings account.
Use these apps:
Chime (USA): Auto-save every payday
Monzo (UK/EU): Round-up savings
Liv. (UAE): Goal-based savings jars
N26 or Revolut: Instant rules & automation
Set it and forget it – you’ll build savings without thinking.
🎯 6. Use the 50/30/20 Rule (Modified)
Here’s a proven money method:
50% Needs: Rent, groceries, transport
30% Wants: Subscriptions, fun
20% Savings: Emergency, goals
Modified version for beginners:
Save 10% → Grow to 20%
Wants → Cut from 30% to 20%
Move the extra 10% to savings
This helps you build savings even on small incomes.
🎁 7. Use Cashback & Rewards Tools
If you’re going to spend, earn something back.
Try:
Rakuten (USA/EU) → Up to 10% cashback
Swagbucks → Cash for shopping, surveys
Crypto.com Visa → Cashback in crypto
Payback (Germany, UAE) → Cashback rewards
Nectar (UK) → Points for groceries, fuel, more
This isn’t “savings” per se, but if you get $10–$30/month back on regular shopping, it counts.
🧠 8. Start a No-Spend Challenge
For 7, 14, or 30 days, don’t spend on non-essentials.
Only bills, rent, food. That’s it.
People save $100-$300/month just from this challenge.
You can document your progress on Quora or Reddit (and drop your blog there 😉).
💸 9. Sell Things You Don’t Use
Quick win:
Go through your room, closet, or storage
List old items on:
OfferUp, Craigslist (USA)
OLX (Middle East, Pakistan)
Gumtree, Facebook Marketplace (UK/EU)
Even 2-3 small sales = $100 in 1 week
And that goes straight into savings.
📊 Recap: Build Your $100/Month Plan
Method Potential Savings
Cut takeout & coffee $60-100/month
Cancel unused subscriptions $20-50/month
Automate savings $25-50/month
No-spend challenge $50-150/month
Cashback & selling items $20-100+ one-time
Total: $100–300+ monthly if combined smartly.
🌍 Works Anywhere: USA, Europe, Middle East
Whether you’re living in:
Texas or Toronto
Berlin or Birmingham
Dubai, Lahore, or Riyadh
These methods work because they are behavior-based, not income-based.
You don’t need a raise to start saving – just a plan.
✨ Bonus: Where to Put That $100?
Saving is step one – growing it is step two.
You can use that $100/month for:
Emergency fund
Crypto investments
High-yield savings account
Online business idea
Paying off debt (credit cards, student loans)
It’s not about the $100 – it’s about building the habit.
🔚 Final Words
Don’t overthink it. You don’t need fancy financial knowledge or a six-figure salary. Just start with one small change today, and watch how it compounds.
👉 Need more smart money tips?
Check out the latest tools, apps, and passive income hacks at MyEarnlytics.com
