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In a World of Rising Prices, Here’s How To Adapt and Overcome

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How To Save

How To Save Now

Stuff costs more.  Perhaps you’ve noticed.  It’s natural for some to complain and impulsively assign blame.  But when people move beyond that, it’s easier to notice that much is in our control.  We can immediately make simple changes today to soften the blow of higher prices.  Today, I’m sharing some easy methods on how to save now.  Of course, I can’t possibly cover every option, but that’s good news!  So many options exist, and I encourage you to share your tips in the comments.

Get Out of Your Car

Fuel costs are the leading concern for many.  As individuals, we can’t magically change those numbers outside the station.  But we can change our behavior to save.  Here are just a few options.

How To Save
This car was new when they entered the Chic Fil A drive-thru.

Skip the Drive-Thru:  Instead of sitting behind a dozen or so cars just to get your overpriced chicken item, don’t even enter the drive-thru.  If you must have that food crack (whatever it is), park and walk in.  Enjoy not wasting gas or staring at unsavory bumper stickers.

Walk or Ride:  Many daily errands can be accomplished by walking or riding a bike.  Take in fresh air, get a little exercise, and save gas en route.  Or use public transit to finish your to-do list.  Along the way, listen to music, a podcast (maybe one of MtM’s), or an audiobook, if it’s safe to do so.

Question Your Motives:  Why are you even driving?  Is your destination truly worth the effort?  Can you accomplish your goal without getting in a car?  Does it have to happen now, or can you combine the immediate need to drive with future errands?  A little extra thought can save you time and money.

But even if you choose not to change your behavior, plenty of other options exist for saving on gas.  And, of course, when you must fuel up, use a credit card that highly rewards gas station purchases.

How To Save

Stream Smartly

The number of available streaming services can be overwhelming.  Flip that to your advantage.  Streaming services are competing for your business.  Make simple changes to maximize them.

Streaming Stands Trial:  Take advantage of free streaming trials – over and over again.  You have more options here than they may think.

Monogamous Streaming:  Consider paying for only one streaming service at a time.  Don’t pay for a bunch of subscriptions and content you don’t substantially watch.  More fully consume that one service you’re paying for and save!

Cascades of Free Streaming:  Options to stream for free are everywhere.  PBS, the Roku Channel, and Pluto are just a few of my favorites.

You can check out more strategies for free or cheaper streaming here.

Overcome Ownership

“Why do I want to own this?”  I ask myself that question before I buy anything.  Periodically, I realize the item isn’t something I truly need or even want enough to buy.  Often, we can easily obtain fulfillment from certain items without buying our own copies.  For instance, my family and I enjoy our local libraries and primarily choose to check stuff out rather than buy more clutter.  In my view, obtaining a new phone every year shouldn’t be the norm.  Rent is rising, but buying a home isn’t the optimal move for everyone.

For some, it seems the act of shopping is more enjoyable than the actual item.  Similar to how I avoid buying groceries when I’m hungry, I try not to shop when I’m bored.  And speaking of grocery shopping…

How To Save

Rethink Your Grocery Trip

It seems like most all groceries are more expensive now.  But many strategies exist for saving at the supermarket.  Here are just a few tips:

  • Make a list, follow it, and don’t wander around the store.
  • Buy generic brands.
  • Skip the bottled water.
  • Shop at discounters like Aldi and Lidl (NOT Dollar General).
  • Use an optimal credit card for supermarkets.
  • Use coupons (apps and old school paper ones).

Check out more strategies here.

Wisely Use Those Card Benefits

Many credit card hobbyists already hold cards that offer plenty of benefits and freebies.  For instance, the Amex Platinum offers $20 monthly in digital entertainment credits to SiriusXM, Peacock, Audible, and The New York Times.  Use them to save by discounting or replacing your current subscriptions, rather than adding new bills.  Efficiently use Uber and other dining credits to spend less while dining out.  I just paid $9 for my next year of cell service thanks to the Amex Business Platinum’s wireless credit.

Beware – it’s easy to get swept up with these credits and spend more than you planned.  Don’t let your card benefits create unnecessary spending!


Relaxing, in and of itself, doesn’t need to involve spending.  Fortunately, we have plenty of options.  Go to a nearby park instead of a movie theater matinee.  Enjoy a neighborhood walk or workout rather than joining a gym.  Get together with a neighbor or, gasp, introduce yourself to one.  Call your family or friends and catch up.  Meditate – in whatever free form that is for you.


I’ve only scraped the surface here.  So many other options exist for how to save now.  Small changes can improve your situation.  Even better, you may catch yourself enjoying the process, and you’ll have fun finding new ways to save more.  The truth bears repeating.  So much is out of our control.  It’s integral that we control what we can.  How we spend is just one of those areas.  What are you favorite methods for saving more now?

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.

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Benjy Harmon
Benjy Harmon
Benjy focuses on the intersection of points, travel, and financial independence (FI). An experienced world traveler, husband, and father, he currently roams throughout the USA close to expense-free. Benjy enjoys helping others achieve their FI and travel goals.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


  1. How a post on strategies to save in an inflationary environment turned — immediately — into a political diatribe speaks volumes about where we are as a country! It’s easy to say, “It’s their fault!” (whoever “they” are) rather than accept personal responsibility and share constructive ideas as good neighbors. Yes, if you’re unhappy with the current administration, the previous administration, or your local school board, that’s what elections are for. Benjy’s question was, “What are you favorite methods for saving more now?” Let’s answer his question, folks! Mine is, “Make sure you’re not leaving any money on the table.” Use AmEx offers, Citi merchant offers, Chase offers, Amazon promotions, etc., etc., etc. They are there for the taking…just use them ONLY to buy things you would have purchased anyway. Don’t let them tempt you to do extra spending!

      • I’ve found AmEx offers post more quickly, so when I have a good one (I just saved $120 on a Dell desktop — the hard drive on my 6-year-old computer was failing), I’m happy! The recent Citi offers for 50% or 25% off the price of gas have been pretty sweet, too, but I’ve had to chat with Citi to get some of the credits to post.

        • Jim F,
          Nice! I’ve enjoyed the general reliability of Amex offers posting. I’ve lucked out and not had any posting issues with Citi yet. I’ll take the wins wherever I can get them!

  2. Best way to beat rising prices is to put on your boots and start kicking politicians of a certain party to the curb come November. Then lobby to impeach and convict the ones of a certain party you could not vote out.

    • Yep, all that free Covid money handed out during the trump administration (most of which went to businesses that didn’t need it) is causing this inflation. We should punish republicans for causing this.


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