{"id":14896,"date":"2025-11-13T19:03:28","date_gmt":"2025-11-13T19:03:28","guid":{"rendered":"https:\/\/jboitnott.com\/?p=14896"},"modified":"2025-11-13T19:06:12","modified_gmt":"2025-11-13T19:06:12","slug":"8-smart-ways-to-beat-inflation-this-year","status":"publish","type":"post","link":"https:\/\/jboitnott.com\/zh\/8-smart-ways-to-beat-inflation-this-year\/","title":{"rendered":"8 Smart Ways to Beat Inflation This Year"},"content":{"rendered":"<p>Inflation feels as intimidating as ever in American life. Prices keep rising, squeezing household budgets in the U.S. According to the\u00a0<a href=\"https:\/\/www.bls.gov\/opub\/ted\/2025\/consumer-prices-up-2-9-percent-from-august-2024-to-august-2025.htm?utm_source=chatgpt.com\">Bureau of Labor Statistics<\/a>, consumer prices rose 2.9% in the 12 months leading up to August 2025.\u00a0 From health insurance to grocery prices, many people feel like their money just doesn\u2019t stretch as far as it used to. But even though your purchasing power is being eroded steadily, you can still take small, practical steps that will protect your money. Here are eight ways to beat\u00a0<a href=\"https:\/\/due.com\/trump-and-powell-clash-over-inflation-strategy\/\" data-google-interstitial=\"false\">inflation<\/a> this year and keep your finances on solid ground.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_71 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\"><\/div>\n<h2><span id=\"1_Track_where_prices_hit_hardest\" class=\"ez-toc-section\"><\/span>1. Track where prices hit hardest<\/h2>\n<p>It\u2019s important to track the prices of all your expenses no matter what inflation looks like. When you know where your money goes, you can manage your finances better and prevent emotions from affecting your buying decisions. Ask yourself:<\/p>\n<ul>\n<li>What unnecessary items are you buying?<\/li>\n<li>What costs are putting the most financial pressure?<\/li>\n<\/ul>\n<p>Get answers to these questions as you evaluate your expenses. Whether it\u2019s utilities, groceries, or the coffee you treat yourself to every day, tracking every detail helps you remain aware of your spending. Every penny adds up, so identify problem areas that quietly increase your expenses.<\/p>\n<p>Check your receipts and bank statements, and note the items that are making your monthly expenses higher than they should be. Note the impulse buys and subscriptions. Do you\u00a0<a href=\"https:\/\/due.com\/retirement-savings-how-much-do-you-really-need-in-each-state-in-the-u-s\/\" data-wpil-monitor-id=\"9136\" data-google-interstitial=\"false\">really need<\/a>\u00a0them? Do you need to buy the brand name version? Is there a generic version?<\/p>\n<p>Here are four ideas to make wise shopping choices:<\/p>\n<ul>\n<li>Don\u2019t get a shopping cart if you\u2019re just at the store for only one or two items. It prevents you from subconsciously filling it with unnecessary things.<\/li>\n<li>Try to avoid adding items you don\u2019t need. Create a shopping list and stick to it to resist the urge to buy more.<\/li>\n<li>Plan meals with cheaper ingredients. Also try meal-prepping to\u00a0<a href=\"https:\/\/due.com\/fed-rate-cut-set-to-lower-small-business-borrowing-costs\/\" data-wpil-monitor-id=\"9138\" data-google-interstitial=\"false\">cut costs<\/a>.<\/li>\n<li>Seek alternative brands with lower prices to\u00a0<a href=\"https:\/\/due.com\/84-satisfying-ways-to-save-money-you-wouldnt-expect-to-save-this-much-in-one-week\/\" data-wpil-monitor-id=\"9133\" data-google-interstitial=\"false\">save money<\/a>\u00a0on groceries and essentials.<\/li>\n<li>Look for BOGO deals and shop near the end of the day for additional discounts.<\/li>\n<\/ul>\n<h2><span id=\"2_Use_higher_savings_rates\" class=\"ez-toc-section\"><\/span>2. Use higher savings rates<\/h2>\n<p>We all know how money can lose its value during inflation. What cost $5 in the past could cost you $10 as prices rise.<\/p>\n<p>This is why you should look for a higher savings rate when inflation rises so your savings can grow faster than prices. Here\u2019s what needs to be done to beat inflation with a higher savings rate:<\/p>\n<ul>\n<li>Consider opening a\u00a0<a href=\"https:\/\/due.com\/hidden-bank-fees-that-are-draining-your-account-and-how-to-avoid-them\/\" data-wpil-monitor-id=\"9134\" data-google-interstitial=\"false\">bank account<\/a>\u00a0that offers strong returns to protect the value of your money.<\/li>\n<li>Consider investing in Certificates of Deposit (CDs) that offer fixed interest rates. With this option, you need to deposit your money for a fixed period, and you receive a guaranteed return at the end of that term. Look for CDs that offer high interest rates.<\/li>\n<li>Invest in Treasury Bills (T-bills), which are short-term government bonds. Unlike CDs, you can convert T-bills into cash at any time without missing out on competitive returns.<\/li>\n<\/ul>\n<h2><span id=\"3_Pay_down_high-interest_debt\" class=\"ez-toc-section\"><\/span>3. Pay down high-interest debt<\/h2>\n<p>It\u2019s always wise to pay off your credit cards and variable-rate loans to save during inflation. As prices increase over time, such\u00a0<a href=\"https:\/\/due.com\/job-market-frustration-and-debt-worries-rise-among-workers-2\/\" data-google-interstitial=\"false\">debt becomes more costly<\/a>. The more time passes, the more interest you need to pay.<\/p>\n<p>Pay off your credit card bills monthly to stop debt from piling up. You can also opt for fixed-rate loans, where the interest rate does not change over time.<\/p>\n<p>Consider debt consolidation to manage your loan payments better. Consolidation lets you combine debts into one account, secure a lower interest rate, and make repayment easier.<\/p>\n<h2><span id=\"4_Invest_in_inflation-resistant_assets\" class=\"ez-toc-section\"><\/span>4. Invest in inflation-resistant assets<\/h2>\n<p>Certain assets can help you get high returns without losing money during inflation. It\u2019s best to diversify your portfolio with a mix of inflation-resistant assets like these:<\/p>\n<p>Dividend Stocks: These\u00a0<a href=\"https:\/\/due.com\/top-ways-to-get-free-stocks\/\" data-google-interstitial=\"false\">stocks<\/a>\u00a0let you earn profits without selling shares. Dividend stocks are shares from companies that also distribute profits to shareholders. Companies tend to pay higher dividends during periods of inflation.<\/p>\n<p>TIPS: Treasury Inflation-Protected Securities (TIPS) are U.S. Treasury-backed investments that are inflation-resistant and potentially safer. The amount you initially invest (principal value) in\u00a0<a href=\"https:\/\/due.com\/market-volatility-response-defensive-positioning-and-tips-investment-strategy\/\" data-google-interstitial=\"false\">TIPS<\/a>\u00a0increases with inflation. Interest rates are also calculated based on the increased principal amount. During inflation, investors can enjoy a higher principal amount and interest.<\/p>\n<p>REITs: Real Estate Investment Trusts (REITs) are companies that own and operate income-generating real estate, such as apartment complexes and warehouses. Typically, during price hikes, the real estate industry booms, generating a higher income, which is why investing in REITs is often a good option to beat inflation. REIT investments are helpful for small investors who want to preserve the value of their money without facing the hassles of property management.<\/p>\n<p>Real Assets: Invest in tangible assets such as gold, real estate, and commodities to preserve your money\u2019s value. Commodities include grains, metals, energy, and currency.\u00a0<a href=\"https:\/\/due.com\/gold-prices-signal-inflation-protection-potential-2\/\" data-google-interstitial=\"false\">Gold<\/a>, a physical asset, retains its value during periods of inflation, unlike many traditional currencies.<\/p>\n<h2><span id=\"5_Automate_savingsinvesting\" class=\"ez-toc-section\"><\/span>5. Automate savings\/investing<\/h2>\n<p>If you\u2019re waiting for your salary to come and manually saving up a portion of it, it could tempt you to spend more than you save. Consider automating your transfers. You might create an automatic savings plan to transfer a specific amount each month from your main account to a separate savings or investment account. Here are the best practices to automate your savings:<\/p>\n<ul>\n<li>Make sure you have a clear goal ahead.\u00a0<a href=\"https:\/\/due.com\/how-to-decide-whether-to-keep-rent-or-sell-your-inherited-property\/\" data-wpil-monitor-id=\"9137\" data-google-interstitial=\"false\">Decide whether<\/a>\u00a0you want to save for a home, a vacation, or something else.<\/li>\n<li>It\u2019s crucial to think rationally when deciding how much money to save. Make sure to review your income and expenses carefully.<\/li>\n<li>Transfer your\u00a0<a href=\"https:\/\/due.com\/how-to-maximize-your-savings-rate-in-todays-economy\/\" data-google-interstitial=\"false\">savings<\/a>\u00a0to a separate account to avoid spending them.<\/li>\n<li>Many banks provide services that let you set up recurring transfers. Such options help you automatically transfer money into your savings or investment accounts.<\/li>\n<li>If you schedule the money to be transferred as soon as you receive your salary, you don\u2019t get the chance to spend it carelessly.<\/li>\n<li>Review your earnings, expenses, and progress each month. Adjust your savings amount as needed to align with your goals and financial circumstances.<\/li>\n<\/ul>\n<h2><span id=\"6_Cut_stealth_inflation\" class=\"ez-toc-section\"><\/span>6. Cut stealth inflation<\/h2>\n<p>Some costs seem so minor that you might not even notice them, but they add up over time with inflation. Have you checked how much you\u2019ve spent on delivery fees over a year? The amount could be surprisingly high. Some\u00a0<a href=\"https:\/\/due.com\/the-hidden-cost-of-convenience-credit-card-processing-fees-and-their-impact-on-consumers\/\" data-wpil-monitor-id=\"9139\" data-google-interstitial=\"false\">costs stay hidden<\/a>, like subscription fees and energy bills.<\/p>\n<p>Here\u2019s how you can cut down these hidden costs to beat inflation:<\/p>\n<ul>\n<li>Review your weekly and monthly expenses to find out the services and products you don\u2019t actually need. For example, music streaming or a monthly beauty box subscription service.<\/li>\n<li>If you\u2019re eating out regularly, consider packing a lunch from home for school or work.<\/li>\n<li>While shopping for groceries, look for store brands or more affordable versions of the same products you wish to buy to\u00a0<a href=\"https:\/\/due.com\/save-money\/\" data-google-interstitial=\"false\">save money<\/a>. Frozen foods are often less expensive and easier to store than fresh fruits, vegetables, and meats, making them an excellent option for saving money.<\/li>\n<li>A few simple steps could significantly reduce your home\u2019s energy consumption. Simply fixing dripping faucets, replacing old appliances with energy-saving alternatives, taking shorter showers, and fixing faulty doors and windows could save you hundreds of dollars per month on your bills.<\/li>\n<\/ul>\n<h2><span id=\"7_Protect_your_health_to_protect_wealth\" class=\"ez-toc-section\"><\/span>7. Protect your health to protect wealth<\/h2>\n<p>Inflation can impact all areas of your life, but it could make medical costs impossible to bear. Protecting your health now is not only about well-being; it is also about\u00a0<a href=\"https:\/\/due.com\/unlocking-your-social-security-wealth-a-guide-to-maximizing-your-benefits\/\" data-wpil-monitor-id=\"9141\" data-google-interstitial=\"false\">securing your wealth<\/a>. When you\u2019re unwell, you don\u2019t have time to worry about costs. Your health is your number one priority. The best possible route is to stay prepared.<\/p>\n<ol>\n<li>Consider leveraging Health Savings Accounts (HSAs), which allow one to save for medical expenses in advance. The best part is that you don\u2019t need to pay taxes on this money. Contributing to an HSA lets you reduce your taxable income and save enough for out-of-pocket medical costs.<\/li>\n<li>Try to prevent health issues rather than just save money for health expenses. Spending a few hundred dollars for screenings, check-ups, vaccinations, and healthy habits could save you thousands.<\/li>\n<li>Consider using co-pay cards or rebates to\u00a0<a href=\"https:\/\/due.com\/stretching-a-dollar-retiree-friendly-countries-with-lower-cost-of-living\/\" data-wpil-monitor-id=\"9140\" data-google-interstitial=\"false\">lower your medication costs<\/a>. Sometimes, these options can cover your immediate expenses entirely. However, such options aren\u2019t available for Medicare or Medicaid. Check with your pharmacy or the drug manufacturer\u2019s website for\u00a0<a href=\"https:\/\/due.com\/top-cd-rates-reach-4-50-with-multiple-term-options-available\/\" data-wpil-monitor-id=\"9135\" data-google-interstitial=\"false\">available options<\/a>.<\/li>\n<li>Paying in cash instead of using an insurance card is often way cheaper than you think. Paying out of pocket for minor medical expenses, such as blood tests, can help you save a significant amount. Check the amount you need to pay in cash vs. what you pay through insurance to see which is more cost-effective.<\/li>\n<li>Know exactly what your insurance plan covers, including its deductible and co-pays, before paying out a major medical expense. If your insurance plan doesn\u2019t seem beneficial, don\u2019t hesitate to switch over to something more affordable.<\/li>\n<\/ol>\n<h2><span id=\"8_Revisit_the_plan_yearly\" class=\"ez-toc-section\"><\/span>8. Revisit the plan yearly<\/h2>\n<p>Even your perfect plan needs a revisit at least once a year to keep\u00a0<a href=\"https:\/\/due.com\/wage-growth-outpaces-inflation-but-economic-challenges-remain\/\" data-google-interstitial=\"false\">beating inflation<\/a>\u00a0without fail. See if you\u2019re making progress or your plan needs adjustments. Make sure you carefully examine your goals, budget, and investments.<\/p>\n<p>Priorities can change. You may have been saving up for a down payment last year, but now you might want to save for a vacation. This is why updating your goals and adjusting your plan accordingly should take priority.<\/p>\n<ul>\n<li>Do a budget review once a year and look for unnecessary expenses to save money. For example, you might have unknowingly increased your overall expenses after a salary increase. But a careful review of your income and spending could help you spot such a thing and spend more wisely.<\/li>\n<li>Find out how much risk you\u2019re willing to take, and adjust your investments accordingly. People often wish to take more\/fewer risks based on their circumstances and goals.<\/li>\n<li>Life events can change your goals. For example, after having children or buying a new house, your priorities may shift significantly. Adjust your plan to beat inflation and align with your new priorities.<\/li>\n<\/ul>\n<h2><span id=\"Beat_Inflation_with_Resilient_Finances\" class=\"ez-toc-section\"><\/span>Beat Inflation with Resilient Finances<\/h2>\n<p>Inflation shouldn\u2019t scare you; it just means you need to be smarter with your spending. The world has faced periods of severe inflation and financial hardship before and overcome them. You can too. Create a plan to cope with an inflationary economy rather than panicking unnecessarily.<\/p>\n<p>An inflation-combating plan becomes successful with steady action and adaptation. Take small steps before big ones to make good habits. Keeping track of your expenses and income should give you a good head start in beating inflation.<\/p>\n<p>Once you know what\u2019s keeping you down, you can start preparing your list of strategies and begin implementing them. The eight strategies covered above will lower your financial struggles during inflation, and they will also help you strengthen your future with healthy spending and saving habits.<\/p>\n<p><strong class=\"markup--strong markup--p-strong\"><em class=\"markup--em markup--p-em\">Thanks for reading! Do you want to create thought leadership articles like the one above? If you struggle to translate your ideas into content that will help build credibility and influence others, sign up to get John\u2019s latest online course \u201c<\/em><\/strong><a class=\"markup--anchor markup--p-anchor\" href=\"https:\/\/jboitnott.com\/zh\/writing-from-your-voice-course\/\" target=\"_blank\" rel=\"noopener\" data-href=\"https:\/\/jboitnott.com\/writing-from-your-voice-course\/\"><strong class=\"markup--strong markup--p-strong\"><em class=\"markup--em markup--p-em\">Writing From Your Voice<\/em><\/strong><\/a><strong class=\"markup--strong markup--p-strong\"><em class=\"markup--em markup--p-em\">\u201d here.<\/em><\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>Inflation feels as intimidating as ever in American life. Prices keep rising, squeezing household budgets in the U.S. According to the\u00a0Bureau of Labor Statistics, consumer prices rose 2.9% in the 12 months leading up to August 2025.\u00a0 From health insurance to grocery prices, many people feel like their money just doesn\u2019t stretch as far as [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14900,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[1520,1038,273,1559,1118],"class_list":["post-14896","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-high-interest-debt","tag-inflation","tag-personal-finance","tag-personal-finance-tips","tag-savings"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>8 Smart Ways to Beat Inflation This Year - John Boitnott<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/due.com\/smart-ways-to-beat-inflation-this-year\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"8 Smart Ways to Beat Inflation This Year - John Boitnott\" \/>\n<meta property=\"og:description\" content=\"Inflation feels as intimidating as ever in American life. 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