7 Ways to Make the Most of Your Time and Money

Make a point to follow these few easy tips. They will ensure you’re making the best use of both your time and money.These days, the pace of life has done anything but slow down. As a society that’s constantly connected, our lives seem to get more and more chaotic by the minute.

While there’s nothing wrong with being busy, have you ever stopped to evaluate whether or not the way you spend your time and money is beneficial to your life? All too often, you might find yourself accepting invitations, tasks, or simply running endless errands. These are all activities that might not be the best use of your time or money.

That being said, knowing how to utilize your time and money in ways that increase productivity and benefit finances isn’t always easy. So, how do you best utilize your life to make the most of your time and money? Consider these seven ways to benefit both.

1. Side Hustle

Although most people have a full-time, often salaried job, the consistent rise of the cost of living can sometimes mean that full-time position isn’t enough. Ergo, many working individuals have chosen to add a side hustle into the mix.

Whether they opt to use skills and abilities already associated with their role and freelance, or create a side business based off a passion or underutilized skill, many side hustles can be a great way to supplement your income.

Moreover, time spent with your side hustle is time you’re honing or developing skills that are sure to benefit you in the long run.

2. Automate Your Bills

When bills come each month, as much as you wish they didn’t, you likely don’t think twice about setting aside the time to pay them. Manually paying your bills probably doesn’t seem like a big deal or like it takes that much time. Nonetheless, there are always more efficient and beneficial ways to accomplish this.

Instead of receiving your bill each month, set up automated bill pay where you can. By doing so, your monthly bill will automatically come out of your account. You won’t have to take any extra time to ensure they’re paid. Plus, you might just save yourself money since you’ll never forget.

Make the most of your time and money with these simple tips. Click To Tweet

3. Hire a Little Help

We often have the mentality that we must to do everything ourselves. Or we might be under the impression that it simply costs less. Whatever the reason, sometimes doing it yourself not only costs more, but takes up valuable time that could be put to use in much better ways.

Weigh the cost, both financial and time-wise, and review whether or not a little help could benefit you time and money. Consider a house keeper, landscaper, and when it comes to certain projects professional painters or handymen; you might find that it’ll save you in the long run.

4. Use Your Time to Plan

As a society, everyone around you seems to be constantly on the go. So much so that you might find yourself lacking any real down or you time. Instead of filling up every minute of your day, set time aside to plan your day.

Make a list of every task you need to accomplish on a given day or week. Take that list and organize your day or week based on it. By doing so, you’ll ensure everything on your to-do list gets completed.

Moreover, by having a set schedule you’re less likely to get distracted by extraneous projects or tasks that could cost you valuable time and even money.

5. Prioritize & Say “No”

Between work, family, and your social life, you no doubt have an array of projects, activities, and events to attend to. While they might all sound like fun or something you should partake in, those events can often times take up all of our precious time and in many cases costs us extra.

Instead of going to every happy hour after work, weekly dinner with friends, and saying yes to every project at work, carefully consider and prioritize which activities or projects are most valuable to your time and money.

Furthermore, learn the value of saying no. After all, extra work and projects won’t benefit your job if you stretch yourself too thin, and the same goes for time and money spent on entertainment activities. Know what’s important to you and what’s truly worth your while.

6. Use Funds Wisely

In the land of instant gratification, not spending your funds on your every want and whim is easier said than done. Even so, using some of your time to manage your money by saving and investing it properly can be a huge step towards a better future.

By investing and saving wisely, you stand to build and grow your funds to put towards important life events like a home, kids’ college educations, and retirement.

7. Set a Budget

You’ve no doubt heard this a thousand times before, but taking the time to establish and plan out your budget is truly making the most of your time and money. Not only will you save time moving forward, since you won’t have to worry about having enough funds for various expenses in your life, but you’ll also save money.

A budget can help you continually evaluate all the areas of life you spend in. In turn, you’ll cut out what you don’t really need or use. This will allow you to reallocate funds to other important areas. Plus, it can ensure you stay within your means.


As busy, on-the-go people it can be difficult to feel as though you have a moment to spare. Nonetheless, if you truly evaluated just how you spend your time, you might realize that there are better, more efficient uses for it. The same goes for your money as well.

Make a point to follow a few easy tips. This will ensure you’re making the best use of your time and money. Not only will you take back control of your day-to-day, but could stand to benefit your finances in the end as well.

What are some ways you feel you waste time; how could you put it to better use? What are some great side hustles that could supplement your day-to-day job?