Can Setting a Night Time Routine Help You Save Money?

By Sarah Li Cain
June 14, 2017

Imagine waking up every morning refreshed and at peak productivity. Getting regular exercise and taking time to recharge certainly will help you achieve this goal. But did you know that a good nighttime routine will also help you reach optimal productivity during the day?

According to experts at Harvard Medical School, establishing a good nighttime routine is essential. Why? Because it helps keep your internal body clock in check and you therefore wake up more readily. Now that you know how important a nighttime routine is to your daytime success, here’s another fun fact: A consistent nighttime routine can also save you money. Read on to learn more about how to shift your nighttime habits to boost your cash flow.

Prep Food and Drinks

If you’re the type that needs a caffeine boost in the morning, you can save money by brewing coffee at home. Yes, getting a $4 latte once a week isn’t going to break your budget, but if you order more than one (some of us are serious caffeine addicts), this will add up fast. On the other hand, if you make coffee at home, you’re looking at less than $2 a cup

To avoid buying coffee on your way to work, use a programmable coffee maker. You can set the coffee maker to start brewing automatically before you wake up and then your coffee will be waiting for you as soon as you open your eyes.

Here’s another tip: Prepare a lunch to take to work the night before and avoid going out to eat during your lunch break. Maybe you can even get your food costs down to $2 per lunch. Going out to lunch at the local taqueria will cost you more like $10. Between coffee and lunch, you’d spend about $70 a week going out to eat and drink, while preparing coffee and lunch at home will run you $20 – a savings of $50 a week or $200 a month. Think about what you could do with that extra money.

Read at Night

Reading can be a great way to help you unwind after a long and stressful day. It can also be a great way to educate yourself on ways to save money. For example, you could take some time every evening to read about budgeting and how to lower your expenses. While you’re learning how to slash your expenses, the exercise of reading will also help calm your mind. Just remember to read an actual book and not to use an electronic reader, iPad or your phone as electronic devices tend to stimulate your mind and not relax you. The key here is to sleep better, not stay up all night.

Adjust The Temperature In Your House

Is it really that vital to be super warm in bed? According to, the ideal temperature for a good night’s sleep is between 60 and 67 degrees. That means that you don’t need to keep your thermostat any higher than that while you’re sleeping. You’ll actually sleep better when your body is cooler at night.

Better yet, turning the heat down will save you money. The average amount of energy an electric furnace emits is around 15 thousand watts in a typical home. That means you’re spending around $2 every time it kicks on. If it’s a cool night, and it turns on four times, for example, that’s $8 dollars a night you’re spending – unnecessarily.

To make it easier to remember to keep your thermostat set lower at night, try programming it ahead of time so that it automatically sets to your preferred temperature. If you still feel a bit cold, a few extra snuggly blankets and warm socks may do the trick.

Do a Brain Dump

Ever find it hard to go to sleep because your brain is constantly on overdrive? Doing a brain dump not only helps you sleep better, but could help you brainstorm ways to help your money situation.

Here’s a simple exercise you can try:

  1. Write down everything that is stressing you out about money right now.
  2. Grab another piece of paper and draw a line vertically down the middle.
  3. Put your list and the new piece of paper side by side. Now, rewrite everything onto the new divided paper but place your stressors onto appropriate sides. Everything that you can control goes on the left side and the rest goes onto the right.

Take a look at your new divided list and vow to let go of the items on the right. By learning to let go of an outcome you can’t control, you may sleep better at night and your stress level will likely diminish during the day. With the items on the left, take a few minutes at the end of each day to brainstorm quick ideas to change the outcomes. For example, if you’re stressed about how much you spend on transportation each month, perhaps you can bike a few times a week to work or carpool with a co-worker instead.

Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.

Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank and Stride Bank N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).

© 2013-2021 Chime. All Rights Reserved.