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How To Cut Costs And Save Overnight

Updated on September 3, 2012


If you're looking for ways to save money and save now, there are many things that you can do to get ahead.

The ideas are simple and can be accomplished with little or no effort...well, maybe some effort, but for the most part, they're relatively painless.

1. Ditch your phone. Get rid of your land line and save yourself a bundle. Most people nowadays rely on their cell phone and if you can do that, get rid of your phone.

2. If you have a cell phone, get the best package you can possibly get. Make sure that you are getting the most service like free long distance, number of minutes, etc. and if not, seek out other carriers.....or talk with your current provider about a better plan. Maximization equals more money in your pocket.

3. Cancel all or part of your TV cable. Figure out exactly where your money's going. Are you paying for high definition and could you live without it? Are you paying for extra channels that you don't even use? Trim the fat off the cable bill or get rid of it completely. There are Internet sites where you can watch TV for free!

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4. Drop your Internet....unless you use it for business, is it truly a necessity? Can you get by checking emails or surfing the web at work or at the library? Figure out the cost for having Internet service and if it doesn't add up for how much you're using it, get rid of it!

5. Learn how to cook! Anyone can do's basically reading and putting something together in a few steps. Anything you make at home is going to cost at least HALF of what you pay to eat it out. I don't care if it's a sandwich, a cup of coffee, a piece of pie, or a hamburger. If you want to save money fast, quit eating out!

6. If you smoke or drink, you already know it's not good for you. It's also not good for your pocketbook. No whining about how hard it is to Nike says, just DO IT! You'll be happier and healthier and you will save money instantly.

7. Get a job! If you need extra income or you can't figure out a way to get out of debt, take on a part-time job or free lance doing something. The only way to make more money is to generate more income. Any amount that you do extra is going to be extra dough in your pocket.

8. Sell things. Whether it's at a garage sale, on Craigslist or eBay.....if you're not using it and it has value, sell it! More money in your pocket.

9. Change up your fitness. If you're paying money to go to a gym, even if you ARE working out there, you can cut costs by either working out yourself or using or purchasing exercise equipment to work out on at home. Even if you buy equipment (you can find phenomenal deals on used equipment), the money you will save over time will far outweigh the gym membership.

10. Cut back on driving. Plan trips that are not work related to accomplish the most in 1 trip to save on gas. If you do drive to work, carpool or ride your bike to work and save on gas. It's a great way to exercise, too. Check out public transportation and let them do the driving whenever possible.

11. Quit buying things! CD's, DVD's, books and more are available at your public library! Why pay money when you can rent them for free?

12. Entertain yourself. Going out to dinner or a movie can be an expense you can easily cut out. You can prepare a fantastic meal at home and save big bucks. You can rent a movie from RedBox for $1. That’s what I call a cheap date! Or you can go to a park for the day rather than spending all kinds of money going to a video arcade!

13. Less is more. Every time you think about buying anything ask yourself if you already have it......or will you REALLY use it? Do you really NEED it or do you just want it? Try and use the clothes you already have before purchasing more. Get rid of outdated or unused clothes and donate them. (Get a receipt) Then only add to your wardrobe, your household items when you TRULY, really, really need something new.


By applying these simple tips, you will save money instantly and be happier when you take a look at your budget. 

Saving money is easy if you think about is just about cutting the waste from your life and stashing that money where it the bank. 

Anyone can save money and there are a multitude of ways to do it.  It requires self-discipline, but it can be done.

Good luck in your quest to save money!

Remember these tips though in good financial times as well as bad and it will become a great you will be glad you picked up!


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    • akirchner profile image

      Audrey Kirchner 7 years ago from Washington

      Definitely - great tip Tiago!

    • profile image

      Tiago Marcelo 7 years ago

      Definitely cancel your Cable TV. What purpose can Cable TV possibly serve these days when you can easily watch any show you want on your computer with an Internet connection?

    • akirchner profile image

      Audrey Kirchner 7 years ago from Washington

      We've already cut our business land line out and now thinking really hard about dropping the house one too...I'm not sure why but that is harder for me to do but getting there!

    • katiem2 profile image

      katiem2 7 years ago from I'm outta here

      Very helpful and practical tips on saving money overnight. I've just cut my landline as I fax per computer and that's the only thing I was using my land line for. We have three cell phones and it just makes no sense to have three phone expenses. The rest of your list was very helpful. We must learn to live more simply so we can simply live! Well done! :) Katie

    • akirchner profile image

      Audrey Kirchner 7 years ago from Washington

      Thanks, all probably starts to sound the same after a while but there really are things we still can do so I guess they bear repeating?

    • Pamela99 profile image

      Pamela Oglesby 7 years ago from United States

      This is an excellent hub for cutting costs. I don't think you missed a thing.