January is the month when a hard look at finances often prompts household budget discussions. Making changes a challenge rather than a chore is a good first step. Here are 11 ways to start saving today without losing momentum.

1.

Swap out a meal

Go beyond the brown bag lunch. Get creative with coffee from home, make a salad or purchase a heat-and-eat meal from your supermarket frozen section.

2.

Trade in your gym membership

With more than 300 days of sunshine according to the City of Bakersfield’s statistics, we live in the perfect area to exercise outdoors.

3.

Plan nights in

Trade a date night out for a night in with an indoor picnic or movie at home.

4.

Cook together

Enjoy time together in the kitchen and save by skipping dinner out.

5.

Try generic brands

Comparing brand name products versus generics can be a fun way to save; you might be surprised by the better finds and your wallet will thank you.

6.

Look for online coupons

Try RetailMeNot codes and other in-browser options. Finding the savings can be a rewarding challenge.

7.

Try receipt-scanning apps

Save with percentages off

and also scan receipts to make extra cash. Your household’s youngest members may find it particularly fun to use apps like Fetch and iBotta.

8.

Check your subscriptions

Cut any unnecessary services and use technology to make sure you’re not double-paying on duplicate accounts.

9.

Find free family fun

Our online calendar and website feature many free or low-cost community events each month for the whole family.

10.

Be intentional about spending

If you’re considering buying something new, wait a week. See if you still want or need it in seven days.

11.

Use time instead of money

When it comes to spending time with children, that’s another form of currency; kids spell love “t-i-m-e,” which doesn’t always require spending a significant amount to have a good time. Enjoy books, puzzles and games you already own. It’ll be more memorable to have the time together than anything you could have purchased.