21 best ways to reduce family expenses in 2025

It’s been a challenging year for family budgets. Between stubbornly high prices at the grocery store (including eggs again!) and rising costs on everyday goods thanks to new tariffs, it’s no wonder families are looking for ways to cut costs in 2025.

But cutting costs doesn’t mean cutting out the things that make life good. A few small changes can go a long way. “The reality is that a little extra effort in cooking and planning can free up hundreds per month,” Angelo Crocco, CPA and owner of AC Accounting, points out.

This guide breaks down some of the best ways to reduce family expenses. We’ll also share some ideas to keep the cost-cutting momentum going. 

Grocery shopping: Elevate your market game

1. Smart cart maps. Use grocery apps for in-store navigation to snag the best deals. It's like having a personal assistant right in your pocket.

2. Double up your discounts. Many grocery stores offer digital coupons you can combine with paper coupons. “Clip” them virtually online or through the store’s app. 

3. Flexitarian flair. Ever thought about embracing more plant-based meals? They’re often less expensive and a win for both your health and budget.

4. Zero-waste goals. Help minimize food waste by planning meals around what you already have and storing food properly to extend its life. Good for your budget and the planet.

Be a financially smart family!

Be a financially smart family!

From saving for the future to understanding credit, see how families are thriving with Greenlight.

Try Greenlight today

5. Loyalty loot. Max out on loyalty programs and cash-back offers. Your regular shopping could turn into real savings.

Home maintenance: Upgrade and save

6. Energy efficiency audit. Consider investing in an energy audit and follow through with suggestions to lower bills. Simple (and cheap) fixes like weather-stripping doors can add up to big money savings. 

7. Upcycle elegance. Refresh your space with upcycled furniture or decor. It’s eco-friendly, creative, and cost-effective.

8. Group buys for big purchases. Why not coordinate with neighbors for bulk buys on tools or landscaping services? It's all about community.

9. Smart home savings. Gradually integrate smart home devices like thermostats and LED bulbs to cut down on utility costs.

Childcare: Innovative and affordable solutions

10. Tax savvy smarts. Make sure you're using all available child and dependent care tax credits and flexible spending account dollars. You could be leaving literal money on the table. 

11. Skill swap. How about exchanging babysitting with a friend who has kids — your expertise for their time and vice versa? It's win-win.

12. Off-peak perks. Look for childcare centers offering discounts for non-peak hours if your schedule allows.

13. Local gems. Explore community centers or churches for affordable programs and playgroups.

Transportation: Travel smart, spend less

14. Bike or walk. For shorter distances, save on gas and get some exercise. Fresh air's always a bonus.

15. Carpool karma. Join a carpool group at work or use carpool apps to split fuel costs and tolls. It's friendly for both your pocket and the environment.

16. Public transit passes. If available, use monthly passes for savings over single-ride tickets.

17. Maintenance rituals. Regular vehicle maintenance helps prevent costly repairs and often improves fuel efficiency. 

Entertainment: Fun without the fortune

18. Freebie festivities. Hunt down free local events like concerts, art exhibitions, and festivals. Many museums offer free days and events, too. 

19. Subscription swap. Do any of your streaming, gaming, or subscription services allow multiple users? Share with friends or family so they don’t go to waste! Just be sure to follow any official sharing restrictions or rules. 

20. DIY date nights. Create your own romantic or family fun nights at home with themed dinners, movie marathons, or game nights.

21. Library love. Did you know? Beyond books, many libraries offer free access to movies, classes, museums, and even equipment. Check out the services at your local library - you might be surprised! 

Keeping up the momentum

Wrangling your family's expenses wisely takes effort, but it can literally pay off in dollars. Every small change can contribute to a larger impact on your household’s financial well-being. Try some of these ideas to keep going.

Dream board design

Once you set your family’s financial goals, create a visual representation of them for daily inspiration. Dream big, be specific, and post it in plain view for the whole family to see. 

Accountability allies

Partner with a friend or family member to share progress and keep each other motivated. Teamwork makes the dream work.

Financial fitness apps

Leverage apps to track spending, savings, and investments in real-time. Staying informed can help you seize earning and saving opportunities. You can even get kids in on the game. 

Monthly money meetings

Dedicate time each month to review progress, adjust budgets, and celebrate successes. It’s also the perfect time to talk about how your kids can help, whether it’s with household chores or expanding their own financial literacy. 

This year, the best ways to reduce family expenses start with awareness, creativity, and a little teamwork. Crocco offers up one more smart insight to round out our advice: “Brand loyalty drains bank accounts.” So simple changes like switching to store brands or buying in bulk can really move the needle on your monthly spending. With these modern, fresh strategies, you can navigate financial challenges with confidence and creativity. Remember, small changes can lead to big savings over time!

Want to budget as a family? Teach your kids essential budgeting skills with Greenlight’s award-winning educational money app. Try Greenlight, one month, risk-free.† 

This blog post is provided "as is" and should not be relied upon as a substitute for professional advice. Some content in this post may have been created using artificial intelligence; however, every blog post is reviewed by at least two human editors.

†Valid for new customers only. Subject to identity verification and minimum load requirements. Your first monthly fee will be billed to your parent wallet seven days after successful registration. To receive a refund of your first monthly fee, you must request to close your account on or before the day immediately preceding your first Monthly Billing Date. See the ‘Account’ tab of Settings by tapping the gear icon on the Greenlight app home page to confirm when your risk-free trial ends. See Terms for details.