A tattoo that was saved for.

Saving Money For Tattoos

Once you get that first tattoo, you realize two things. Tattoos are addictive and they are also very expensive, for good work at least. If you are struggling with how to pay for your ink, we can help. Take a look at both a quick and long term approach to get the money that you need to pay for some tattoos or perhaps an entire sleeve.

Tattoo Money

When it comes to paying for your tattoos, you can either save the money slowly or simply get a loan and pay it off. If you want to go the quick route, we can help with a fast and free quote. Have a quote in a matter of minutes and then choose which route to take.

An infograph on getting a tattoo loan.

Money For TattoosSaving For Ink

Saving For Your Ink

If slow and steady works for you, no problem. We can also help you save the money that you need. It might take you a little more time to complete your work of art, but at least it will let you spread out the pain a bit. Here are some tips that you can use to accelerate your tattoo savings and get your ink a bit faster.

Start A Dedicated Savings

You need to have a savings account set aside from the rest of your money.

For best results, it should be at another bank and not with the same place that you have a checking account. Having this separation will keep the money accessible to you but will delay withdrawals a bit. With a separate account, it can take a day or maybe even two to transfer the money to your regular account. This can keep you from making impulse buys with your tattoo money.

When choosing a savings account, consider an online account with a high APR. A high yield savings account will not make you a fortune but every dollar counts. An account with a well known bank can yield you a 2 percent return on your savings when the average local bank might only give you a quarter of a percent. Big difference.

Look into the ratings of the bank you choose, do not simply choose the highest interest rate. Many banks try to lure you in with a super high rate only to negate the interest with fees. They also tend to lower your return slowly over time. Be careful and stick with well reviewed big brands.

Sacrifice For Your Art

You have two ways to accelerate your tattoo savings. You can make more money or cut your expenses. Cutting your expenses is the easiest route, so let’s take a look at some ways to cut those expenses.

  1. Lunches
    Most people tend to just pick up some fast food during the work week for lunch. This is not only destructive to your waist line but also to your bank account.
    Save about 7 dollars a day by taking your lunch to work. The brown bag is not glamorous but it can save you almost 150 dollars towards tattoos over the course of the month. Dress up your sandwiches with artisan bread and a variety of toppings and you might even enjoy your lunch more.
  2. Entertainment
    You need to enjoy yourself a bit but there are ways to do so and still save.
    If you still have cable, get rid of it in favor of a streaming service like Netflix. Still get your TV in but save almost 100 dollars a month.
    If you are a move person, check out the dollar theater instead. It is not really a dollar anymore but you can usually catch a movie for about $3 instead of the $10 plus that it will cost you at the big theater.
    Whatever you do to entertain yourself, look for a cheaper way to do it. If you like sports, catch a minor league game instead of the pros. If you want to have a beer, do so at home instead of the bar. There are a lot of opportunities to save.
  3. Housing Expenses
    The biggest way to save is by switching to cheaper housing but this is not the only way. You can also cut your utility bills by eliminating waste. Put the thermostat higher in the summer and lower in the winter. Unplug appliances when they are not in use and use cold water cycles in your washing machine. The list goes on and on, but you get the point.
  4. Other Expenses
    If you really want to save for those tattoos, take a close look at every part of your budget and make some cuts. Look for cheaper auto insurance. Shop for a cheaper electricity provider, etc, etc.

Work For Your Ink

You can only make so many cuts to a budget. If you have reached your limit but still want to increase your tattoo savings rate, you need to add some more work into your schedule. Thankfully, it is incredibly easy. Here are some ideas.

  1. Start A Side Hustle
    Everyone is talking about side hustles and they have been for years but they work. Look into making some money by doing something out of the ordinary. Collect scrap metal and take it in for recycling, donate plasma or cut lawns on the side. There are a ot of out of the box things that can help you with saving money.
  2. Driving For Tattoos
    Uber and Lyft make it easy to earn about $25 an hour and work whenever you want. Work just four hours a week and make 400 dollars a month. That can go a long way towards paying for some tattoos. In just 6 months, you could almost have the money for a half sleeve.
  3. Deliver Some Food
    Uber Eats, Grub Hub or even that local pizza shop need drivers. Make ten to fifteen dollars an hour in tips and jam to your music all night.
  4. Pick Up Extra Shifts
    If you work an hourly job, make it known that you are willing to take on extra shifts. Not only will you make extra money, you will also probably do it at time and a half.
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James Car is a finance, loan and budget expert based in the United States. After attending Brookhaven college, he went on to become a successful entrepreneur. He now enjoys writing articles that help people save and make the most of their money.