The countdown to 2022 has begun. And new resolutions are already in order. What about financial resolutions to improve their money habits in 2022? 

There shouldn’t be any excuse to pull off better financial decisions next year. You still have plenty of time in 2021, so start making smart money decisions now so you can close the year on a high note and be ahead of the game by the time January 1 arrives.

Money can break or make it if you let it. In this article, we are giving you money hacks to keep your finances afloat for the coming new year. 

Here are money hacks you can try in 2022:


Have a Meal Plan and Eat at Home Often :

It’s difficult to cut your grocery expenses because we all love to eat, but with prices rising, your weekly food costs are sure to rise as well. As not to be tempted to eat out more, because cooking can seem like a lot of work when you’re already busy, you might prefer to eat out or purchase more expensive prepared meals to save time. 

Finding delicious and simple meal prep ideas, on the other hand, can help you keep your budget (and possibly your diet) in shape.

Always Shop with a List:

I am guilty of this walking up and down every aisle, shoving things into my shopping basket without a plan. When I now get to the counter, I find out I have exceeded my budget. I ended up spending way too much money since I didn’t have a plan in place.

To avoid this, make sure you have a shopping list with you whenever you go to the store. Even better, avoid the rest of the aisles and only go down the ones you need to go down. By avoiding the extra aisles, you will be able to stick to your list and only purchase what you require.

Sort Your Savings:

This is crucial in preventing you from becoming broke all year. You can use either the 50/50 or 60/40 rule. Let me show you how I organize my savings:

I have many savings groups, such as emergency, rent, personal savings, and so on. 

Whatever I want to acquire, whether it’s small or large, I always have a strategy. I have my constants (emergency fund, personal savings, and rent) that I have to save for every month till the end of the year, as well as the ones I saved for a specific month or months, such as a phone, laptop, and so on. 

After these deductions, the remaining funds are used to maintain my lifestyle and have fun.

Look For Free Activities To Enjoy:

Who says you have to go to the cinema to see a film, eat pricey popcorn, and drink pricey (and unhealthy) sodas?

There are numerous free activities to participate in, such as Netflix, playing a game at home, or taking a nature walk.

Going out to eat is romantic, but so is cooking a meal together.

Thrift Often:

You don’t even need to go to a thrift shop, flea market, or resale business to find a good deal these days — all you need is your smartphone!

Of course, if you want to thrift shop locally, you can do so, but don’t forget that internet thrift shops provide access to items from all over the world.

Aside from being an affordable option, it’s also sustainable. You save money while saving the environment.


If 2021 threw your finances in a loop then a financial resolution should be top on your list of ways to improve your finances in 2022.

Remember that simply writing a goal isn’t going to get you there. To get the benefits, you must put in the effort!