ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

31 Tips for How to Save Money

Updated on June 1, 2017

Money Saving Ideas to Live Within Your Budget

Many parents are finding ways to cut back on expenses so that they can live within their means and balance their budget. With only so much income coming in, and money going out for higher costs of utilities, gasoline, food, etc, there is a need to trim wherever possible. Here are 31 tips to get started--enough for one a day for the next month!

Photo by jitheshvv,
Photo by jitheshvv,

Save on Food, Consumables, and Necessities

1) Base your meals around your local grocery store sales using the ad of the week.

2) Stock up on non-perishable foods when they are on sale.

3) Use manufacturer's coupons and combine them with sales and store coupons.

4) Make a "best price" list of products frequently bought and buy when they are at the lowest price.

5) Shop online and buy items with free shipping.

6) Buy a large bottle of liquid hand soap and refill smaller pump dispensers.

7) Make your own window cleaner. Mix 2 gallons of water and 1 teaspoon of dishwashing soap, and half a cup of vinegar. Scrub with a sponge and squeegee dry.

8) Use cloth instead of paper napkins and rags instead of paper towels.

Photo by Michael Lorenzo,
Photo by Michael Lorenzo,

Minimize Bank Fees and Use Less Gasoline

Be Smart With Credit Cards

9) Avoid bank penalties by having a bank that has overdraft protection -- covering checks by transferring money from your savings if needed.

10) Find a bank with a small or no monthly fee.

11) Save on gasoline by grouping errands together and by shopping for groceries only once a week.

12) Also decrease expenses on gasoline by carpooling to work or school.

13) Pay off your highest interest credit cards first.

14) Get a credit card that earns flight miles to save on airline fares. Pay off the card each month to avoid interest.

15) Find a credit card with no annual fee.

Never spend your money before you have earned it.

Thomas Jefferson

Photo by Aleksandra P.,
Photo by Aleksandra P.,

Be Frugal and Save on Utilities, Prescriptions, and Insurance

16) Save on energy costs by using weather stripping around doors, buying newer energy efficient appliances with rebates, using LED lights, or adding insulation to your attic.

17) Instead of buying a brand name prescription, find out if a generic is available.

18) Save the computer paper from printing mistakes, and use the other side for printing (if it doesn't matter what is on the back) or use for scratch paper.

19) To save on water bills, use low flow toilets and shower heads.

20) To save on phone bills, consider using only a cell phone and cancel the landline, get a phone with prepaid minutes (no monthly fees), or use MagicJack through your computer.

21) Raise your deductible on your homeowner's and auto insurance to lower your premium costs.

Photo by Peter Szustka,
Photo by Peter Szustka,

Ideas for Cheaper Movies, TV, Books, Music, Recreation and More

22) Go to matinee movies, early bird movies before 6:00, get student or senior discounts, or buy discounted movie tickets at Costco.

23) Join to save on DVD rentals. Pay a small fee per month for unlimited movies.

24) Read library books rather than buy them.

25) Sell no longer used clothes or items in a garage sale.

26) Listen to radio shows online through live streaming.

27) Get your hair done at a local beauty (cosmetology) college for less cost.

28) Listen to free songs on Spotify or YouTube.

29) Watch TV shows on for free.

30) Cut back on cable TV to just basic. You will still get the reception, basic channels, and a few additional channels.

31) Try free recreation: bike or hike along a trail, picnic in a park, visit the beach or a lake, tour a college botanical garden, or watch airplanes land and take off at a small local airport.

Take a Poll

What Expense Do You Need To Decrease?

See results

This website uses cookies

As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

Show Details
HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
LoginThis is necessary to sign in to the HubPages Service.
Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
AkismetThis is used to detect comment spam. (Privacy Policy)
HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
MavenThis supports the Maven widget and search functionality. (Privacy Policy)
Google AdSenseThis is an ad network. (Privacy Policy)
Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
Index ExchangeThis is an ad network. (Privacy Policy)
SovrnThis is an ad network. (Privacy Policy)
Facebook AdsThis is an ad network. (Privacy Policy)
Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
AppNexusThis is an ad network. (Privacy Policy)
OpenxThis is an ad network. (Privacy Policy)
Rubicon ProjectThis is an ad network. (Privacy Policy)
TripleLiftThis is an ad network. (Privacy Policy)
Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)
ClickscoThis is a data management platform studying reader behavior (Privacy Policy)