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Saving money isn’t as hard as you may think.
Sometimes you just gotta think outside the box; but, I can bet that some of these saving tips you will wonder why you didn’t think of them yourself.
So, skim through the list and make note of ways that you can start saving.
Choose at least two to get you started. More if you can handle it, but two would be a good start.
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1. Create a small home inventory stock. This will keep you from making unnecessary purchases and gives you the opportunity buy things on sale that you need.
2. Turn off the lights. God only knows how badly I wished I could keep up with this one. My children and husband are the world’s worst about turning off the lights behind them but maybe you can be more successful than I am with this.
3. Replace regular light bulbs with CFLs or LEDs. Start with a couple of the most used light bulbs in the house and then replace the others as they need changing.
4. Use towels and rags to clean with instead of paper towels. This one would probably take a little deciding which you value more, time or money. Paper towels makes things easier and quicker, but good ole fashion hand towels and wash rags can save money. You decide.
5. Make your own products. You can do this for so many things like cleaning products, laundry detergent, fabric softener, body products, and even food mixes like seasonings. Use this Project printable to plan out your products.
6. Use reusable, snap lid food containers instead of resealable bags. Once again, this would be one of those things were you decide which is more valuable, time or money.
7. Change your thermostat by a few degrees. I had a really hard time with this one at first but if you do it slowly then you adapt pretty well. Just change it by a degree or two. If you feel froggy then add a little more if not then that two degree change will help. Even do this with your water temperature.
8. Unplug your appliances. My mom puts her small kitchen appliances on a power strip and then she just unplugs the power strip when she is done. She also does this for her entertainment stuff like her tv, dvd player, and converter box is on one power strip.
9. Do you have a cell phone and still use a house phone? Cancel your house phone or some services will let you keep it for free if you have internet service so that you can still receive calls but you can’t make calls.
10. Try to stop smoking. This one is tough and I know it! I smoked for 21 years before I quit in 2013. Best choice ever! I not only feel healthier but I also have since saved a ton of money. I quit using the electronic cigarettes. I smoke one for two weeks as I gradually weened myself off. There are so many options for assistance now-a-days. You just need to want it bad enough. Save thing can go for alcohol or drugs.
11. Reuse your grocery bags as trash can bags instead of buy them. I use my Save-a-Lot bags and Walmart bags in my small trash cans.
12. Use less of what you normally use in products such as laundry detergent (they say that less is better actually), fabric softener, dish detergent, shampoo, conditioner, body wash (you don’t need a whole hand full to make a nice lather), hairspray, perfume, toothpaste. Think about each item you use and see if you can use less.
13. Keep your tire inflated with the recommended amount of air. I am constantly battling this one. I don’t know what it is but I have the hardest time keeping my tires up!
14. Use apps that save you money before you shop like ibotta. With ibotta you pick your items you will purchase from the store and then scan your receipt to receive savings. Super easy and exciting to get deals which is why I am affiliate for them.
15. Use store apps for gathering coupons before shopping. Like the Dollar Store and Family Dollar Store have apps where you can choose your coupons and then put your phone number in at the checkout to get the savings.
16. Use savings apps like Acorn to help you save on autopilot. Acorn is free to use and you can start with a small amount that will be difficult to miss.
17. Use services like Walmart pickup to keep you from picking up extra stuff when you walk around the store. Walmart pickup is free to use and kinda cool.
18. Shop at a discount food store. I have heard of Aldi’s plenty of times from others and I have a store close to me called Save-A-Lot.
19. Track your store prices for items you purchase regularly. Check your sales ads and when they go on sale for a really good price then stock up. Also take note of when your store may have items cheaper. For instance, if Kroger’s doesn’t sale their French Bread in a certain amount of time then they really drop the price. Also, my Walmart will have a rack in the grocery area close to the milk where they will put bakery items they have sold for half price and even more sometimes.
20. Buys things out of season. This can be done for seasonal items and even clothes for next year. I wouldn’t suggest this for children’s clothes because they grow so fast but for the adult folks in your home this could be great way to save as long as you don’t mind being a little behind in trends. Do this for swimsuits, coats, décor, etc.
21. Sign up for Rakuten (formerly Ebates). Put the app on your phone and on your desktop browser. Anytime you go to order online check to see if the store participates and if they do then you save a percentage of your purchase. I love, love, love this app! That’s why I am an affiliate!
22. Do you really, really need it? We all get these tendency to “want” what we see advertised on TV and then run to our computer and look it up. Or we see these awesome Facebook ads and think “Oh that would be so useful!” BUT, do you REALLY need it?
23. Repair your clothes and your family’s clothes instead of throwing them away. My son is notorious for ripping his pants. Most times I can just sew them back up and send him on his way.
24. Compare prices. You can do this when shopping but don’t forget about those things that are not front and center in our minds like car insurance. Take a look at your bill list and ask yourself if there is anything that can be lowered. Also, do this with creditors. Call them for lower interest rates.
25. Do gift exchanges at Christmas. Make it fun by choosing themes. One side of my family does this and it is fun to see what each person gets. For instance, one year we gave our person a gift that we created; another year our gift had to come from a yard sale. The ideas could be endless.
26. Stock gift items. Print out your Gift printable and list all those you purchase gifts for. Keep your eye out for items on sale and then stock them for when the time is needed.
27. Try spending freezes. Only spend money on what you absolutely need. Try this for a couple days and then in a few weeks make it a little longer. Challenge yourself and see how long you can go on a spending freeze.
28. Name brand isn’t always better. Try the generic brand on some of your everyday stuff. If you like it then great, if not then switch batch. No biggie.
29. Shop around for cheaper auto repair parts and then let YouTube teach you how to do the labor yourself. I did this to change my mom’s ignition switch in her Toyota. It was super easy and pretty satisfying knowing this gal could get it done! You can even do this for any home or outside repairs and projects you may have. Make sure you keep safe and use your good noodle when doing these.
30. Buy used before new. Check sites like Facebook, Craigslist, Ebay, and Amazon. I did this when I was searching for a wheel for my Yukon. Ebay saved me more than half the cost purchasing it used.
31. After you get done shopping take a look in your buggy and ask yourself if you NEED every item there. Go through each one. If you don’t NEED it then put it back. Put that money you would have spent into a savings account.
32. Try free trials. Be sure to remember to cancel them. I always set alerts on my phone to remind me to cancel the trials two days before they end just to be sure I get it done in time. Call me paranoid.
33. Never go grocery shopping without a list or hungry. One of these is dangerous and both would be devastating. You are sure to overspend and buy lots of stuff you shouldn’t.
34. Stock up on frozen vegetables to have for those quick sides. You don’t have to worry about them going bad plus they are cheaper.
35. Use Groupon when you plan to go out. Groupon has some pretty awesome deals sometimes which is why I love using them and an affiliate for them. Another pretty cool app is Retail Me Not. Between the two you should not have to pay full price. Quick tip that is happening as of the time of writing this post. If you sign up for Rakuten you can get extra savings by visiting Groupon through Rakuten!
36. Use the Dollar Tree. You can get nice dishes, utensils, and many other items for just a $1. It would be good to be aware of what your regular store sells these as because there are some items in the Dollar Tree you could get a few cents less at your regular store. But many items are very good.
37. Compare gas prices. Where I live it could be four cents cheaper right down the road so I like using an app called GasBuddy that will list the gas stations close to me and it is updated by other users of the app to show what the current gas prices are.
38. Before paying vehicle tax go to the PVA office in your county and ask them to lower the value of your vehicle. We do this every year.
39. Sign up for “cents off gas” at gas stations that offer this. Where I live we have a gas station called Zippy. I have a card that I can scan each time I get gas to get four cents off each gallon up to 20 gallons.
40. Keep an eye on the free section of Craigslist for items you need or would like to buy. You could be surprised at what you may find.
41. Have a “stay-cation” instead of a vacation. I like to take vacations to Florida (I live in Kentucky), but my husband is perfectly happy spending every day of our vacation week at Cave Run Lake which is only about 30 minutes from where we live (insert eye roll). So, we compromise and every third year we go to Florida. For the other two years, one is a stay-cation where we go to Cave Run Lake and the other we will choose different places that are a little further off but not as expensive.
42. Instead of paying for music listen to Spotify, Pandora, or iHeartRadio.
43. Cancel Directv, Dish Network, or other cable. Instead use Hulu and Netflix. Even better use Roku for free channels.
44. Get the four sign-on option with Netflix then split the bill with three others in your family or friends. Make sure these are folks who will actually pay you for their part.
45. If you don’t buy costumes as they are going out of season then makes them. Have you ever seen how expensive those cheap-made Halloween costumes are?! Homemade ones are so much cooler and sturdier!
46. Have parties and celebrations at home or at your church or other community center where it won’t cost you. Create a themed and memorable birthday party or have a laid back, romantic movie night at home for your anniversary.
47. Save on photos by having your guests to take them. If you are having a celebration like getting married or any other event where you would normally hire a photographer just put disposable cameras on the tables which a note asking the guest to snap a few favorite shots.
48. Get out of debt. Well, this is a no-brainer, huh? This may be even why you are trying to save but the quicker you get out of debt the more you will be able to save later so put all your savings from the other tips toward getting out of debt and then have big chunks of savings.
49. Have trouble spending on your credit cards? Leave your credit cards at home and ask someone to hide them from you. Let them hold you accountable by having to ask them for it if you want to buy something. Make sure they are reliable and will question your purchases. The goal is to only use them for emergencies.
50. Take advantage of bill pay through your bank. One day each month right around the 26th I will sit down with all my bills and set them up to pay throughout the next month. Doing this keeps me from missing payments, getting late fees and I don’t even have to think about my bills for another whole month. You can take it a step further and setup auto bill pay for some of your bills. Oh, and don’t forget the stamp savings you have if you are not mailing the bills or the gas you are using if you are not taking it to the payment office.
51. When your paycheck hits the bank have an auto-recurring amount of money transferred to another account. For instance, my paycheck goes into the bank every Fridays so I have it setup so that $35 automatically gets transferred to an account to save for son’s school clothes every Monday. I don’t have to think about it, it just happens.
52. If it makes sense with your interest rates then try consolidating your debt. I did this with my credit cards. I used BestEgg to get a consolidation loan to lower my interest rate plus it gave me one payment a month that was less than what I was paying with all my credit cards. What I really likes was that there was an end in sight. I knew it would be paid off in a certain amount of time.
53. Declutter and sale. Go from room to room and sell anything you have not thought about for at least one year. You can sell these on Craigslist, Ebay, or even have an online yardsale on Facebook. This would help you keep your home in order and give you extra money. If you like it well enough you may decide to keep it going by creating crafts or learning how to buy cheap and then sell for more.
54. If you use USPS to ship those things that you decide to sell when you declutter your home then purchase your postage online and print it. This will give you a discount on the postage plus you save gas because the mailman(lady) will pick it up for you.
55. Save your change when you use cash. Want to build it faster then use cash more often. Once your little savings bank gets full then roll it and take it to the bank.
56. Create a budget and stick to it. Figure out what your goals are work your way through them.
57. Pick a day of the week to go meatless. If you are not a huge meat eater this could be a pretty easy way to save a little. Meat is going to be one of your biggest costs in your meals.
58. Start meal planning. This one tip can save you soooo much!
59. Make your own cookies and cakes instead of buying the Little Debbies. Only allow yourself to have them if you make them.
60. Batch cook crockpot meals and freeze them for quick meal ideas later. Take them out of the freezer the night before and put in the refrigerator and then pop it in a crockpot the next morning before heading out the door.
61. Freeze your leftovers and then have a variety later. Instead of throwing away all that cost put them in freezer bags and then once you have enough then you can have a little mini buffet. Everybody likes buffets, right?
62. Pack lunches and snacks for work. Packing is so much cheaper than go through the drive-thru
63. Stop drinking pop or soda as some calls it. Water is much healthier and cheaper. I’m still working on this one.
64. If you have to have your coffee every morning then make it at home or at the office instead of stopping by Starbucks. Now this one would a little iffy depending on how much you enjoy your Starbucks. I wouldn’t want you to give up on pleasure you truly love.
65. Plan snacks for your trips you take during the day. If you know you will be out for a while then pack some snacks and drinks to help keep you away from the drive-thru line.
66. Share a cow or pig. If you like to eat quite a bit of beef or pork then it would be really beneficial for you and someone else to go in together and have one worked up. We do this with my father-in-law and it really saves plus it’s more fresh.
67. Keep a list of easy pantry meals and keep these items in stock for those times when you are in a rush and don’t have time to cook. For instance, this could be a peanut butter sandwich and chips or ramen noodles and a can of corn.
This was a lot of stuff thrown at you!
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