---
title: 3 Smartest Ways to Spend $30 And Save Lots More This Month
description: Let’s face it, these days $30 is not a lot of money. If used properly, though, $30 can make a substantial difference. Here are 3…
published: '2022-02-09T21:18:00.000Z'
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section: Personal Finance
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![3-Smartest-Ways-to-Spend-30-This-Month](https://img.money.com/2022/02/3-Smartest-Ways-to-Spend-30-This-Month-1.jpg)
*Young brunette woman holding 20 dollars banknote pointing thumb up to the side smiling happy with open mouth*

Let’s face it, these days $30 is not a lot of money.

If used properly, though, $30 can make a substantial difference.

Here are 3 ways to spend $30 the smart way that may help you reach the milestones that will solidify your financial future:

## **1\. Invest to protect against inflation for as little as $12 a month**

Investing in gold will protect you against inflation because as the dollar goes down, gold has a tendency to increase in value. This increase happens because gold's value is demand-driven.

A Gold IRA is an individual retirement account that allows you to invest in gold and other precious metals such as silver and palladium.

With [Oxford Gold Group](https://money.com/pr/j7ec3307ef37?ap_referrer=https%253A%252F%252Fmoney.com%252F3-smartest-ways-to-spend-30-and-save-lots-more-this-month%252F), you can roll over your current IRA without paying taxes or fees.

Simply [click here](https://money.com/pr/j7ec3307ef37?ap_referrer=https%253A%252F%252Fmoney.com%252F3-smartest-ways-to-spend-30-and-save-lots-more-this-month%252F) and enter your information to receive a Free Investment Guide.

## Make sure your hard-earned money is protected with a Gold IRA

### Gold IRAs help you protect your investments by providing the asset diversification and stability you need. Click on your state to get started.

[Invest in Gold](https://money.com/pr/ued87e7966ca?ap_referrer=%2F3-smartest-ways-to-spend-30-and-save-lots-more-this-month%2F)

## **2\. Protect yourself from unexpected and costly repairs for $30 a month**

If you have major appliances in your home, the last thing you want is to get hit with big repair expenses. If any of those appliances are over 6 years old and still working, now is the time to buy a home warranty.

[America’s 1st Choice](https://money.com/pr/u9f59af6e005?ap_referrer=https%253A%252F%252Fmoney.com%252F3-smartest-ways-to-spend-30-and-save-lots-more-this-month%252F) offers warranties that pay to repair HVAC systems, refrigerators, washer/dryers, and other big-ticket appliances that have broken down or malfunctioned due to regular wear and tear.

And in case you didn’t know, home insurance does not cover these items.

Get a quote from America’s 1st Choice in just 30 seconds. Simply [enter your home address here](https://money.com/pr/u9f59af6e005?ap_referrer=https%253A%252F%252Fmoney.com%252F3-smartest-ways-to-spend-30-and-save-lots-more-this-month%252F).

## The best time to protect your home is today

[Get a Free Home Warranty Quote](https://money.com/pr/o0edc409e775?ap_referrer=%2F3-smartest-ways-to-spend-30-and-save-lots-more-this-month%2F)

## **3\. Spend $20 a month to avoid high veterinarian bills**

If you’re a pet parent, you know that vet bills can add up quickly.

Common procedures can total upwards of $5,000. Good thing the right pet insurance may reimburse you up to 90% of the cost of going to the vet.

[Pumpkin](https://money.com/pr/odeaecb6c245?ap_referrer=https%253A%252F%252Fmoney.com%252F3-smartest-ways-to-spend-30-and-save-lots-more-this-month%252F) offers easy-to-use insurance plans without add-on fees or breed/age restrictions.

To get started, visit Pumpkin and [enter your pet’s name and breed](https://money.com/pr/odeaecb6c245?ap_referrer=https%253A%252F%252Fmoney.com%252F3-smartest-ways-to-spend-30-and-save-lots-more-this-month%252F) to get a free quote today.

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