- Personal Finance
100 Ways to Save Money
How to Save Money
1. Have your bank automatically transfer money from your regular account to your savings account every time you get paid. You won't miss the money if you never even see it!
2. Find coupons for items you need at retailmenot.com (Make sure to research each store's coupon policy).
3. Get deals on gift cards at raise.com. These can be used to help you stay on a budget or to be used as gifts.
4. Buy off brands if they are cheaper and still effective or tasty.
5. Earn rewards at bing.com/rewards, such as Amazon and Starbucks gift cards. Make bing.com your homepage and your credits will quickly add up.
6. Cut down on service costs by having a family member or friend cut your hair and do your nails. Also, you can mow your own lawn and paint your house instead of hiring people to do it for you.
7. Choose a credit card that gives you cash back for using it. Make sure it has a low interest rate and that you are able to pay it off regularly.
8. Save your loose change and put them in rolls to deposit into your account later.
9. Eat and drink at home rather than spending weekly amounts at restaurants and coffee shops.
10. Use generic prescription drugs when it's possible. Compare prices at different pharmacies by researching at goodrx.com.
11. Buy clothing out of season. Shopping on clearance racks can save you a ton!
12. Set up an emergency fund (such as a savings account) with extra money instead of relying on credit cards for unexpected expenses. This will keep you out of debt in the future and will allow you to hold onto more of your incoming cash.
13. Sell unwanted, unneeded, and unused items on ebay.com, offerupnow.com, or threadup.com.
14. Write down a list of wants. Instead of giving into impulse buying, wait until you have saved enough extra money for one particular want. It will give you time to find out if you really want that item or if you are just experiencing a passing desire for it.
15. Save on your vacation by traveling during the off season, such as going to a theme park in the fall instead of summer.
16. Choose a car that has great gas mileage and is a used but reliable vehicle.
17. Get rid of your landline if you have a cell phone. One less bill will put money in your pocket!
18. Choose a basic cable plan or get rid of cable and only use Netflix and Hulu.
19. Find free or low priced entertainment nearby when it's available, such as hanging out at the local park, heading to the library, and going to inexpensive museums.
20. Exercise or run at home instead of signing up for a gym membership that you might never use.
21. Use cash instead of debit and credit cards. It will make it easier to understand how much money you actually have and how much you are willing to hand over.
22. Work overtime or extra hours if your job allows it. If not, find a side gig that you can earn some extra cash with.
23. Stop bad habits like smoking and over drinking. These are expensive and unhealthy. You will save a lot of money from not buying tobacco and alcohol products. Also, you could save on medical bills in the future.
24. Create your own heartfelt gifts for holidays and birthdays instead of purchasing them from a store. They will be more meaningful and will save you a lot of money in the long run.
25. Children can be easily entertained even if they aren't given expensive toys. Throw around a ball in the backyard, play tag or hide and seek. Keep a large box for them to make a fort out of. It doesn't cost much to get their imagination going.
26. To keep yourself healthy, wash your hands regularly. This might keep you from getting the latest bug that's being passed around your town. This could prevent you from accumulating more medical bills.
27. Drink more water. It's healthy and cheaper than pricey soda drinks.
28. Rent out a room or your garage to others needing a place to stay or to bands and artists for practicing or creating.
29. Cancel all subscriptions that aren't needed, such as magazine, monthly subscription boxes, or monthly Amazon subscriptions.
30. Eat leftovers instead of throwing them out.
31. Buy classic pieces for your wardrobe that easily mix and match.
33. Fix things around the house by researching them online and trying to repair them yourself.
34. Plant a vegetable garden, so you can grow and eat your own fresh produce.
35. Downsize by moving into a smaller home that is located in a less expensive area.
36. When you're stressed, don't try make yourself feel better by shopping. Talk with a loved one about your problems or exercise to get help you release some anxiety.
37. Keep track of your expenses by saving your receipts or viewing your online bank statement daily. This will help you stay on target with your saving goals.
38. Turn off the lights when you aren't using them or you're not home.
39. Walk or use public transportation when possible to save on gas.
40. Use hand me down furniture and other items, such as a vacuum cleaner from relatives.
41. Don't speed. This might prevent an accident from happening and will definitely help you to avoid speeding tickets.
42. Don't spend money on lottery tickets. Instead, invest the money you would use on retirement.
43. Brush your teeth and floss regularly. Avoid sugary drinks and foods. This will help you prevent expensive dental bills.
44. Write down your numerical saving goal or what you want to buy, such as an expensive item or vacation. This will help you stay motivated.
45. Carpool with coworkers if they live nearby.
46. Share your saving goal with friends and family so they will understand why you don't want to go to restaurants or spend money on going to the movies. They will support you and help you stay on track.
47. Download the free Shopkick app on your phone to help you earn free gift cards. Go to shopkick.com for more details.
48. Shop your own closet. Before buying more clothing, look at what pieces you already own. Get rid of those you don't use and discover what you actually have instead of buying new items.
49. Write down your shopping list and bring it with you before even stepping inside of any store. This will help reduce impulse buying.
50. Make sure you eat before going grocery shopping. This will cut down on your desire to buy every kind of food in the building.
More Saving Tips
51. Have a garage sale or bake sale to earn extra cash.
52. Earn money by writing a post for these websites: thepennyhoarder.com
53. Sell your photos online to be used as stock photos.
54. Ask for a raise or find a new job that pays more.
55. Proofread and type papers for students. Charge per word or per page.
56. Rent out a parking space in your driveway. This will be especially profitable if you live near a sports stadium or near a theme park.
57. Babysit, house sit, or pet sit for extra income.
58. Give lessons in a skill that you have acquired, such as piano or art lessons.
59. Start a website or blog. Once it becomes popular, you can monetize it by featuring ads and affiliate links on your site.
60. Sign up for an account at slicethepie.com. Write reviews on music, fashion, and mobile devices. You get paid per review and are rewarded with a higher payment if your reviews are more detailed and helpful to companies.
61. Invite friends over to eat instead of buying your meal at a fancy, expensive restaurant.
62. Do odd jobs at fiverr.com. This is perfect for creative people. You can advertise your skills and expertise; then clients will come to you.
63. Tutor online or in your area. Teach reading and math skills or a foreign language if you are fluent in one.
64. Run errands for the elderly or home bound.
65. Drive others around after signing up at uber.com or lyft.com.
66. Always pay your bills on time to avoid interest and late fees.
67. Take advantage of free WiFi at restaurants and businesses to avoid going over your monthly data.
68. Set up a monthly budget, so you know how much money you can spend and how much you should save.
69. Sign up for customer reward programs to get more bang for your buck at your favorite stores.
70. Learn how to repair your own clothing. Sew a button or patch up some jeans to make them wearable again.
71. Bring your lunch to work instead of buying from the vending machines or a nearby restaurant.
72. Go to the movies during matinee hours or head to a dollar movie theater.
73. Clean your home with ingredients you already have on hand, such as water, vinegar, and baking soda.
74. Listen to music on Pandora or Spotify instead of purchasing it.
75. Buy eBooks instead of physical books. It's cheaper and saves more space in your home.
76. Refinance your home.
77. Comparison shop online or between big box stores. Take advantage of price match at stores that honor it.
78. Become more content by looking at and enjoying what you already own. Be grateful and you will find yourself wanting to buy less frequently.
79. Look at expiration dates when you're grocery shopping. Also, make sure to actually use perishable goods before they go bad.
80. Buy items in bulk for a good deal that you use often and will last, such as toilet paper and toothpaste.
81. Unplug appliances when they aren't in use to save on your electricity bill.
82. Choose friends that are savers and/or have the same level of income as you do. This will prevent you from being tempted to try to keep up with friends that have an expensive lifestyle.
83. Get regular maintenance checks for your vehicles to save on repair bills.
84. Reevaluate your insurance needs. Find a better company that charges less or drop types of insurance that you don't really need.
85. Don't upgrade to a new car or cell phone every few years. Use the one that you have until it is no longer working.
86. If you get paid vacation or leave at your job, use this time to work on a side gig instead of going on an expensive vacation.
87. Flip a car or property to make a large amount of money (if done right).
88. Lower your thermostat, especially if you're not in the house or you're heading to bed.
89. If you're single, find a roommate or two to help share the cost of rent.
90. Don't hang out at stores or malls if you know you'll be tempted to buy items you don't need.
91. Switch to prepaid minutes on your phone or another provider if you can get a cheaper monthly bill.
92. Save your tax refund instead of buying with it.
93. Don't take out loans that you won't be able to pay back. If you do get one, be sure to pay more than the minimum payment every month to avoid interest charges.
94. Think long term. Invest in quality items that will last and you will frequently use. It's the quality not that quantity that you will appreciate in the long run.
95. Grow your hair long. You can save money on not getting your haircut and then you can sell your long, healthy hair when you do get it cut.
96. Save any $5 dollar bills that you receive. They will add up quickly!
97. Use paper towels for cleaning and napkins instead of purchasing both paper goods.
98. Save money on gas by choosing to live near where you work. This will save you time and money!
99. Spend no money on the same day each week. This will help you get in the habit of actively saving instead of spending.
100. Work hard, be frugal, save in small amounts, and soon you will save a large amount of money!