Raise your hand if you don’t want to save money.
Nobody? That’s what I thought.
I think I’d be pretty safe in saying that we could all use some extra cash here and there. It seems that cost of living increases more and more every year, yet those so-called “cost of living” adjustments that we’re supposed to be making seem few and far between.
Food, gas, housing — it’s all creeping up slowly, yet our salaries don’t seem to keep up.
That’s where I come in. I’ve compiled a list of 100 kickass ways to save money today.
Not tomorrow, not next week, but today.
Whether you make $20,000 or $200,000 per year, it never seems to be enough. We all spend more than we should, but that doesn’t mean we can’t give it our best shot, right? Being frugal takes practice.
Not every tip on this list will be applicable to everyone, but you should be able to take at least 10-20 (if not more) and crush the money gremlins that keep stealing from you.
My top 100 ways to save money
1. Meat free meals 2-3x per week
It’s no secret that meat is easily the most expensive part of anyone’s shopping list. In America, we’ve been programmed to think that we need meat for something to be considered a “meal”. That’s absolutely not true. You can create a perfectly hearty, healthy, and filling meal that doesn’t involve using any meat whatsoever.
These 17 meat-free meals are packed with vegetables and protein that will wow your taste-buds, but not hurt your wallet.
2. Replace your air filter regularly
When your HVAC system is clogged with dirt and dust, it has to work harder to cycle the air throughout your home. Not only are you not breathing the cleanest air possible, but you’re also using more energy as your system struggles to heat or cool your home. Replacing air filters regularly ensure that you don’t run up those utility bills unnecessarily.
There are services, such as FilterEasy, which take care of this for you. They’ll send you a new filter in the mail whenever it’s time to replace it, so you don’t have to think about it.
3. Use Ibotta for everyday purchases
My wife actually showed me the Ibotta app for the first time the other day. She whipped it out and said, “Look! We can save money on groceries we’re already buying!” I took a closer look, and she wasn’t joking. I thought it was too good to be true.
It’s really simple, actually. You scan your receipts once you’re done shopping, and the app credits you back cash that you can redeem. It’s really as simple as that.
The best part? Brands don’t matter. You don’t have to buy any specific brand whatsoever. Whether you’re buying milk, eggs, bread, or orange juice, you just scan the receipt and call it good. Easy peasy.
4. Earn free gift cards using Swagbucks
Did you know you can save money by watching videos online? For real. I didn’t think it was possible, but Swagbucks offers free gift cards to familiar retail establishments including Walmart.com, American Eagle, The Home Depot, Advance Auto Parts, Best Buy, and tons more.
My 15-year-old sister-in-law is always on her phone watching videos in some form or another. I need to mention Swagbucks to her as a way that she can make a little extra income on the side for things that she’s already doing.
5. Use a low-flow shower head
Some of my favorite money-saving tips are the ones that you can set and forget. Swapping out your shower head to one that features low-flow water usage is one of those. You switch it out once, and then continue to reap the benefits day after day.
It’s incredible easy to do (takes less than 5 minutes) with just a simple unscrew and re-screw. Then you’ll start saving money on your water bill instantly. Also, an added perk is additional water pressure. Who doesn’t want a great-feeling shower that saves money too?
6. Add insulation to your attic
Many homes provide easy access to the attic through a trap door somewhere in the home. Crawling up there and adding a little extra insulation is a great way to save money. When adding insulation to the attic, you want to make sure that you purchase the correctly-rated insulation, like this stuff.
If you have an older home especially, modern-day insulation is significantly better than what they used in the past. It’s worth the one-time investment to upgrade it.
I have a close friend who purchased a home that was built in the 60’s. It didn’t have central air, only radiant heat, and he once told me that his electric bill in the middle of February cost them $250! I couldn’t believe it. I spent a weekend helping him add some additional insulation to his attic, and his bill immediately dropped $125 the next month.
That easily pays for itself in a month or two.
7. Shop around for home and auto insurance
My wife and I have saved hundreds of dollars per month by bundling all our insurance with the same company. Our personal home, cars, ATVs, rental properties, and umbrella policy are all with the same company to give us a multi-policy discount.
As time goes on, insurance companies will slowly start to raise your monthly premiums to squeeze every dollar they can out of you. Too often, we just accept “Oh, this is what I have to pay now.” Don’t take that!
Use a company, such as Esurance, to get quotes for all your belongings. It’s fast and free, and could save you hundreds. What do you have to lose?
8. See if you’re wasting money on 401k fees
I’d be a liar if I told you I knew all of the costs and fees associated with my employer-sponsored 401k plan.
With social security all but drying up and pensions practically nonexistent, employers are shifting the burden of retirement saving onto you, the employee. Naturally, the 401k is the first place most people start. Over the 40-year span of a normal working life, compounding interest can help you save millions of dollars.
But what about management fees? Whether your 401k is managed by Vanguard, Fidelity, or some other brokerage, how can you be certain they’re not pulling the wool over your eyes?
Personal Capital is here to help. Personal Capital has a free tool designed to uncover the hidden fees you’re being charged. Simply link your retirement account, and let them do the rest of the work for you.
9. Save money on your favorite clothes brands
Growing up, come back-to-school season, we’d head out to go clothes shopping. My Mom would always make us stop at Goodwill/second-hand stores first, before we hit up any other stores. As teenagers, with picky tastes in style, we always groaned and complained. I can still hear my mother’s voice in my head saying, “You don’t have to get anything here if you don’t like. But just look.”
And you know what? More often than not, we found something we liked. We still ended up going to other name-brand stores later on, but stopping at a thrift store first generally got us 1/3 to 1/2 of the clothes that we needed for significantly less.
So I’m passing on that advice to you. “Just look.” If you don’t like what you see, no harm, no foul and you can move onto another store. But start there first.
10. Transfer debt to a 0% interest card
If you have credit card debt, consider transferring your balance to a credit card with a 0% APR.
Here’s how this works, if you’re not familiar with the process: Say you have $4,000 in credit card debt at 17% APR. Each year, you’re paying $680 in interest. By rolling over your balance to a card with 0% interest, you can pay off that debt faster than you could otherwise, because you’re not paying interest. The catch is that you have to do so within a 12-month time frame (generally).
11. Invest money without thinking
For the most part, I disagree with Dave Ramsey and the principles he teaches, but I do agree with him when he says that money is “20% head knowledge and 80% behavior.” And for that reason, I believe you need to put your investing and savings on autopilot. It’s when you start physically handling the money that emotion gets involved and you’re tempted to spend money on other things.
By doing this, you take out the emotion of everything. It’s better when you don’t see the money at all, it gets taken out of your paycheck automatically, and grows without you having to do anything.
That’s where Acorns comes in.
Say you purchase something at the grocery store, and the total comes to $5.20. Acorns rounds that amount up to a dollar for you, and invests the other $0.80 — automatically, without you having to do anything. I’m surprised every time I open up my app and find how much money I have just sitting in there, growing automatically for me.
12. Set goals for where you want to be financially
“A goal without action is just a wish.”
Picture where you want you see yourself 1 year from now. Then 5 years from now. Then 10 years from now. Write them down, and play them on a whiteboard in your office, or print them out and stick them on your bathroom mirror.
If you truly want to change where you are going, and what you’re going to achieve, you have to see your goals on a daily basis. Review them often and adjust as needed, but always be pushing for something more.
13. Don’t skimp out on preventative healthcare
Routine dental checkups, for example, help prevent fillings, root canals, and dental crowns, which are expensive and no fun. A dental cleaning, is typically less than $100 per visit, but can save you hundreds, if not thousands, if ignored.
Even if you don’t have an employer-sponsored dental plan, dental insurance is relatively inexpensive purchased on your own and can save money in that alone.
14. Plan your entertainment around free activities
Parks, museums, and zoos have days specifically planned throughout the year where you can attend for free. Having fun doesn’t have to cost any money. Call up various locations in your area to see where and when you can attend.
15. Cut the cable and switch to Netflix/Hulu
My wife and I cut cable out of our lives years ago, and we couldn’t be happier. You’re likely already using Netflix or Hulu, but if you’re not, there’s never been a better time to switch.
Both have great shows on them, they’re always on-demand, and you can pay for subscriptions that exclude commercials. I used to spend $70+ per month on cable. Now, I spend $7.99/month for a Hulu subscription. I also like the ability to download shows to my phone for offline streaming so I can watch when I’m on the go or traveling.
16. Earn cash back on every online purchase you make
Let’s face it — in this day and age, you’re shopping online. If that’s the case, you shouldn’t be purchasing ANYTHING before you check Ebates first. It’s simple, fast, and free to join, and you can make up to 20% cash back on things you’re already buying anyway.
There are lots of cash-back websites, similar to Ebates, but I keep coming back to these guys for some reason.
You can start making money back in three easy steps:
- Sign up with Ebates.
- When you’re about to purchase something online, start you search through Ebates first.
- Click through to Amazon, Target, Walmart, and more and you’ll make up to 20% cash back.
It’s that easy!
17. Refinance your student loans
This is a no-brainer. When I was paying off my student loans, I think I had somewhere between a 6-7% interest rate. There are lots of companies offering to refinance your student loans to help you save money.
SoFi is one such company. By lowering your student loan interest rate to 3-4% (or even lower), you’ll be saving thousands of dollars in interest over the course of your repayment period. You can use the additional money that you’ll be saving to put towards investing.
18. Pay off high-interest date with your savings
I know it’s comforting knowing you have a big cushion sitting there in your savings account, but one of the easiest way to ensure a guaranteed return on your investment is by paying off debt. Whether that’s an auto loan or a credit card, you’ll save money immediately by taking that nestegg and paying off any debt you may currently owe.
Make sure you don’t completely deplete your savings account, though. If you’re single with no dependents, $1,000 should be a sufficient emergency fund for the short term. If you’re the sole provider for a family, you may want to consider leaving slightly more ($3,000-5,000).
Being debt free is one of the most liberating feelings I’ve ever experienced. Plus, as soon as I wasn’t paying down debts each month, I felt that my investments and net worth began to grow at an exponential rate.
19. Increase your auto insurance deductible
The standard auto insurance deductible is generally $500. You may even be set as low as $250. By raising your deductible to $500 or even $1,000, your monthly premiums will drop saving you $20-30/month.
Before you do this, though, you may want to gauge how safe of a driver you are. Make sure you’ve got your deductible set aside in a checking or savings account should anything happen.
20. Don’t give banks your hard-earned cash
Banks love fees. They’re there to make money, and they’re not afraid to nickel and dime you. Overdraft fees are some of the most common fees that they charge. Be diligent to make sure that you always have enough money in your account, so you never overdraft.
The other thing you can do is set up an automated tool, such as Mint or Personal Capital, which will send you alerts when it detects your account balance is getting low. Personally, I prefer Personal Capital, just because it seems a little more…professional I suppose? It has a lot of features, and I use it almost daily to track my net worth.
If you’re with a National Bank, you may consider switching to a credit union as well. Since credit unions are member-owned, they typically offer better interest rates on loans and lower fees.
21. Earn gift cards by sharing your opinion
Similar to Swagbucks, you can earn money and gift cards simply by sharing your opinion in a survey. Remember my 15-year-old sister-in-law that I mentioned earlier? I think I’m going to mention this one to her, because she is always on her phone. She might be able to make a couple bucks with this one, and you can too!
22. Review necessary insurance limits
Have your life circumstances changed? Maybe you used to have 2 kids at home, but now they’ve both grown up and don’t live with you anymore. If there aren’t any dependents left in the house, you may not need as big of a life insurance policy.
Or maybe you had a child who just moved off to college and isn’t on your auto policy anymore.
By downgrading the necessary coverages that you have on insurance, you can save hundreds over the course of the year on unneeded insurance.
23. Subscribe to $5 meal plan
If you ask my wife, she’ll admit to you that coming up with meals each and every week is really tough and stressful. All too often, it’s a huge headache for her, and we’ll usually resort to going out, or just ordering something in.
And in the rare event that we do have dinner made, it’s usually something that involves a lot of meat or fancy spices that add up quickly. Subscribing to $5 meal plan has been a GAME CHANGER in our family. We can feed our family for $5. I’m sure you realize how big of a deal that is. Not only does it save money, but it also saves us the day to day headache of figuring out what we’re going to eat. That alone is worth it.
Also Read: 12 Ways to Save Money on Groceries
24. Check out Personal Capital’s Fee Analyzer Tool to see where you can save money
I mentioned Personal Capital already, but I love this tool so much that I’m going to mention it again.
They have a free fee analyzer, that will analyze your accounts and see where money is leaking from your budget and investments. It’s free to join, and they’ll give you a $20 bonus if you sign up using our link.
25. Open a high-interest savings account
As of this writing, the current inflation rate is sitting right around 1.6%. That’s low, though. On average, inflation is about 2.5-3.0%. That means that if you have $100 sitting in a checking account, next year, it’ll only be worth about $97.
That’s why simply holding cash is a baaaddddd idea. You don’t want to leave it sitting in a bank account or hide it underneath your mattress, because with each and every passing year, it loses value.
To keep up with inflation, the best thing you can do is invest it. That’s a long-term solution, though. If you need to hold money for the short term (12 months or less), you’ll want to place your money in a high-interest savings account. The one I typically recommend is Ally Savings. Currently, they’re offering 2.2% guaranteed returns with no minimum balances. They’re such a good company, I’d recommend them even without an affiliate link!
Stick your money there to ensure you money continues to grow with absolutely zero risk.
26. Use a hands-off roboadvisor like Betterment
Betterment is an online financial adviser. They help you make good financial decisions, starting with good financial goals. They have different levels of involvement, too.
You can opt to have a real-live person look into your portfolio to see where you could be making more money. Or, if you don’t want the human involvement, they have a “hands off” adviser which can automatically recommend suggested changes you should change.
27. Purchase term life insurance (as opposed to whole-life)
If you speak with an insurance broker, they’ll try to sell you on a “whole life” insurance policy. At first glance, this sounds like a good idea. “It’ll cover me from young until old. That’s great! Simple and easy.” Right? Wrong.
Insurance brokers like to sell you on these policies, because they rake in massive commissions on them. Insurance is fluid and should change as you do. Your family dynamics change, your needs change over time as you get older, and you may need more or less coverage as time goes on.
Purchase only the insurance you need and change it accordingly. I recommend purchasing a 15 to 20-year policy, with 10x your annual salary for coverages.
Term life insurance is cheap. No joke, it’s less than the price of a pizza per month. I recommend Liberty Mutual for Life Insurance. You can get a quote in less than 5 minutes.
28. Drink at home/pre-game
Alcohol is expensive.
I remember one night that I came home from the bar $125 lighter. While I’ll admit that I had a pretty great time, I could have spent significantly less by having an equally good time at home instead.
With 5-6 drinks, some food, a tip, and an Uber ride home, I couldn’t believe how quickly that money left my wallet.
The biggest problem was it wasn’t limited to just that weekend. My entire social circle revolved around going out for drinks. It was once during the week, and then again on the weekend, and then someone else inevitably wanting to hit up Happy Hour three days later. $50 here, and $35 there soon added up to a couple hundred a month.
Try cutting back just a little bit. Go out every other weekend, instead of every weekend. It’s okay to turn down an invite every now and then, and no, your social circle won’t shun you for the rest of forever.
Alternatively, offer to host a get-together at your place. Have people pitch in and bring something. Or order pizza. Neither of these options is free, but it’ll be significantly cheaper with everyone else splitting the cost.
Entertainment also doesn’t necessarily need to revolve around food and drinks. It seems that meeting up for dinner is the go-to option, but there’s nothing wrong with hanging out at the park, visiting a local museum, or checking out a free music event downtown.
If you absolutely must go out for drinks, try pre-gaming at home first. You can get alcohol for 1/10th the cost of what the bar charges. Then, at the bar, you can drink water instead so you don’t feel excluded.
29. Use cloth diapers
This sounds gross, but I promise you, it’s not as bad as you think.
Normally, I would be totally against this idea until I saw my aunt and uncle use them for all of their kids. After only two kids, they estimated they saved over $6,000 in disposable diapers.
These aren’t diapers from the olden days with two fat clothes pins on either side. They’re velcro, and they have replaceable liners. My aunt and uncle attached a sprayer nozzle to their toilet. They would spray off the diaper into the toilet, and then throw the liner in the washing machine. That’s it. With little ones, you’re already doing three loads of laundry per day anyway. Just throw the diapers in with it.
30. Visit your local library for books, games, and movies
I’ve been truly astounded at the things I’ve been able to find at my local library.
Rather than buying books on Amazon, purchasing video games on Steam, or renting movies from Redbox (let’s be honest — who even does this anymore), check out your library. They have SO many things that you can check out for free.
You might not get the newest releases of course, or you may have to wait until someone else returns it first, but if you’re patient and/or not picky, this is a great way to save money on entertainment costs.
31. Purchase travel through Ebates
I know I’ve already mentioned Ebates previously, but they’re great for so much more beyond just retail stores like Target or Walmart. Travel can get expensive, but it doesn’t have to be if you can snag a good discount on flights or hotels through these guys.
32. Get cashback you didn’t even know about using Paribus
Paribus works hard so you don’t have to.
It’s a service that monitors your e-mail and checks your order confirmations whenever you buy something. It then goes out and searches the internet to find you the best deal. If it can find something that beats it, it’ll refund you the difference.
Most, if not all, of the stuff I buy online is from Amazon. This is where I feel Paribus truly shines.
Paribus is owned and backed by Capital One, so you know it’s designed with security in mind.
33. Plan meals accordingly and stick to a shopping list
Raise your hand if you’ve ever gone to the store to buy groceries for the week, and come out with $75+ more than you had anticipated.
*guiltily raises hand*
It’s so easy to do. I’m guilty of it on multiple occasions.
Rather than perusing the isles and throwing random things into the cart, stick to a shopping list that you’ve prepared beforehand. This ensures that you’ll have all the ingredients necessary for what you’re cooking that week so you don’t miss anything, and also makes sure that you don’t deviate from your list.
Pro Tip: My wife and I absolutely love Walmart Pickup. We don’t do any traditional grocery shopping anymore. It’s fast, easy, and makes sure we don’t buy anything as we pass through the isles, because we don’t walk the isles anymore! It’s saved us tons of money.
34. Invest in index funds, rather than individual stocks
Unless you take a long-term approach (which you should with the stock market), it’s hard to beat the average returns of an index fund (generally 7-8%). Rather than investing in individual stocks, save money on expense ratios and make more money by following an index fund.
9 times out of 10, you’ll do better by purchasing an index fund, such as the S&P 500.
35. Skip the movies and go for a walk
Have you seen the average price of a movie ticket lately? Even a matinee ticket starts right around $10 (or more) nowadays.
Ditch the movie theater and get outside to go for a walk. Not only is it better for your health, but you’ll be able to spend quality time with your husband/wife/significant other.
36. Save money on eyeglasses through Warby Parker
Do you wear glasses? Are you looking for some new styles, whether they’re prescription or not?
Warby Parker offers huge discounts on eyeglasses, and even offers a ship-to-home or try-at-home program at no cost to you.
37. Plan gift giving in advance
A week before Christmas may not be the best time to purchase a Christmas tree.
Similarly, a planned gift may be cheaper if you can buy it before (or after) a given time frame. Try to think ahead and see when the best time to purchase something can be cheaper due to seasonality.
38. Shop a maximum of 1x per week
When you plan your meals accordingly, you’ll go to the store with a shopping list in hand, and know exactly what you need to purchase.
For a long time, my wife and I would go to the store 2-3x per week, just to pick up things as-needed. The problem is that we would go to the store to purchase some steak and a bag of cheese, and come out with a shopping cart full of food, because we went to the store with an empty stomach.
Shopping no more than 1x per week ensures that you’ll have enough food to last through the week, but will cut down on the frivolous spending too.
You can also save money by shopping with Ebates to save on groceries.
39. Cut and color your own hair
Rather than hitting the salon, purchase the box dye from the store. My wife loves these, and has found great results.
40. Cancel your gym membership (and workout from home)
One day while my wife and I were in the early stages of dating, I remember walking into her house, going downstairs, and saw her doing pull-ups from the rafters in the basement.
Talk about intimidating.
I thought to myself, “Uhhh. Wow. This girl is a BEAST.” But it did teach me an important lesson that day.
You don’t have to have a gym membership to work out. My wife continues to work out from home every day, and she does everything she can with the equipment that she has. We don’t have anything fancy, and she still comes upstairs dripping in sweat. Save money and workout from home instead.
41. Price match
Most of the time, I shop at Walmart.
Before checking out, I’ll quickly Google whatever I’m buying, to see if somewhere online has it cheaper. 90% of the time, I can find it for cheaper. I’ll show it to the cashier, and they’ll instantly lower the price, no questions asked.
It takes 15 seconds, and has saved me tons of money over the years. It never hurts to ask. The worst they can say is, “No”, and in that case, you were already planning on buying it anyway.
42. Go generic on medications
I used to exclusively buy Claritin for allergy medication. I then learned that over-the-counter medications literally have the exact same ingredients for less than half the price.
I now almost always opt for the generic brand. Sometimes, I actually even prefer it.
43. Use Amazon Prime to save time and money
I do want to start off by saying that Amazon is not always the cheapest around, but it’s definitely convenient. If you’re short on time, using Prime to ship something directly to your house is a great way to save money on gas, or simply convenient if you’ve got a busy schedule you need to work around
44. Buy an instapot
My wife and I use our instapot ALL THE TIME. Rather than grabbing something on the way home from work, we know that we can have chicken and rice or a bunch of other meals ready within only a few minutes. This saves us tons of time, but mostly money instead of picking up fast food on the daily.
45. Skip the drive-through coffee, and get these pods instead
I personally don’t drink coffee, but I have a co-worker who is quite the connoisseur, and he swears by these things. Not only are the cheap ($29 for nearly 100 of them!), they’re fast too. He’ll brew a cup in his personal mug and roll up to work, without stopping at Starbucks.
46. Purchase a programmable/smart thermostat
I personally went with the EcoBee, and I’ve loved it. By using a smart thermostat, it’ll automatically learn when you are and aren’t home. It’ll set a schedule for you so it’ll keep the house cool (or warm) depending on when it knows you’ll be home or not. This has helped us to save loads of money in utility bills, and it’s easily paid for itself.
On top of that, many electric/gas companies will offer a rebate when you switch to a smart thermostat. Check with your local utility company to see what they offer.
47. Use apps to find cheap gas
Oftentimes, cheaper gas is just around the corner from where you’re filling up. I use an app like GasBuddy to find the cheapest gas in my area.
It may not seem that a couple cents matters, but over time, it can make a big difference. Especially if you’ve got a big tank to fill up.
48. Don’t be afraid to buy off brand
Q-Tips, Toothpaste, Pasta, Batteries — all these can be found at the dollar store for significantly less.
49. Limit driving as much as you can
Do all of your shopping on a single day. Plan meals using a list so you’re not needing to run to the store for that “one thing you forgot”. Sign up for a carpool service at work so you only have to drive 1-2x per week.
50. Use Priceline to find the lowest hotel and airfare
I’ve had really great success finding cheap hotel and airline tickets using Priceline. They offer a wide selection of options, and also offer tips to finding the cheapest dates.
51. Replace your incandescent light bulbs with LEDs.
52. Rollover old 401ks to your current employer. Orphaned plans have higher expense ratios.
53. Buy insurance for things you can’t cover yourself. For example, life insurance is good, but cell phone insurance not so much.
54. Become the event planner for your group of friends, so you can choose affordable fun.
55. Carpool to work.
56. Pack your lunch.
57. Ask your boss if you can work from home part-time.
58. Double up business travel with personal travel.
59. Plan vacations where friends and family live to save on hotel.
60. Book an AirBnb instead of a hotel.
61. Add additional weather stripping to doors and windows. Even a slight draft can add up to a huge amount on utility bills.
62. Lower the temperature on your water heater ever-so-slightly. (My wife would shoot me if I did this!)
63. When meat is on sale, buy it in bulk and then freeze it.
64. Purchase entertainment with repeat value (i.e. board games instead of a movie ticket).
65. If you’re wanting to try a new restaurant, go during lunch or happy hour. Dinner is typically more expensive.
66. Master the stay-cation instead of an annual Disneyland trip.
67. Shop at second-hand stores FIRST.
68. Commute during non-peak times, if your hours are flexible.
69. Always use credit cards to maximize point earning (assuming you’re responsible with debt).
70. Turn off/down the heat at night.
71. Don’t buy bottled water, buy a Britta dispenser instead.
72. Skip soda, both at home and at restaurants. Drink water instead.
73. Ladies, use a menstrual cup instead of tampons/pads.
74. Buy a good quality electric razor to save cost on razor blades.
75. Switch cell phone providers or join a family plan.
76. Sell things you don’t need anymore.
77. Invest your promotion/save the difference.
78. Skip the convenience of the ATM, and withdraw cash directly from your bank to avoid the fees.
79. Bring your own snacks on road trips and avoid gas station junk food hauls.
80. Negotiate your bills. Just because there’s a price doesn’t mean you have to pay that!
81. Enroll kids in school sports rather than private sport programs.
82. Stop buying paper towels, use wash rags instead.
83. Buy everything used if possible.
84. Stop trying to keep up with the Joneses.
85. Stop buying magazines/kill your subscriptions.
86. Pay bills on time to avoid late fees/cancel bills if you can.
87. Look for restaurants where “kids eat free”.
88. Have movie nights at home.
89. Cut your own grass. It’s healthy too!
90. Buy smart plugs. Even through an electronic is off, it still draws electricity. Use a smart plug to schedule on/off hours.
91. Wait 14 days before making an impulse purchase.
92. Don’t buy lottery tickets.
93. Always negotiate.
94. See if someone will consider a work trade. I trade graphic design work for manual labor quite frequently.
95. Save and reuse plastic bags. They’re not bad after one use!
96. Buy Tupperware instead of saran wrap.
97. Check to see what benefits your employer will pay for. My employer will reimburse college tuition, has adoption assistance, as well as free legal counsel. It never hurts to ask!
98. Ditch your expensive car and your high car payment. A 8-10k car is just as reliable as a new one, but won’t depreciate nearly as fast.
99. Quit using fabric softener. I’ve stopped using it entirely and my clothes feel plenty soft.
100. Switch from a big bank to a credit union. Interest rates and fees are generally significantly lower.
Phew! That was a long list!
Did you catch all that?
This is by no means an exhaustive list, but I think it helps give you a great idea of all the different ways you can improve your spending habits and the many areas that we can all save money.
Did I miss any? What are some of your best money saving tips?