No matter where you are on your financial journey, you need to know that it’s possible for anyone to turn their financial life around. Sometimes all it takes is that first step in the right direction to get things moving in your favor. But, as with most things, sometimes that very first step is the hardest part. (Need to start saving money )
That’s why we created this list of 100 ways to start saving money today. None of these tactics will be life-changing on their own, but they can make quite a difference over time if you’re able to implement more than one. Some of these suggestions take just a few minutes, while others require a bit of regular effort. Still, they’re all incredibly simple – anyone can do them.
Obviously, not all of these tips will apply to everyone. Just go through the list and find 10 or 15 that do apply to you and use them in your life. When you do, you may quickly find that you’re saving more money than you ever thought possible.
100 Ways to Save Money
1. Move bank accounts to take advantage of perks and earn more interest
2. Turn off the television.
3. Stop collecting, and start selling
4. Sign up for every free customer rewards program you can.
5. Make your own gifts instead of buying stuff from the store.
6. Master the 30-day rule.
7. Write a list before you go shopping – and stick to it.
8. Invite friends over instead of going out.
9. Repair clothing instead of tossing it.
10. Don’t spend big money entertaining your children.
11. Negotiate rates with your credit card company or complete a balance transfer.
12. Clean out those closets.
13. Buy video games that have a lot of replay value – and don’t acquire new ones until you’ve mastered what you have.
14. Drink more water.
15. Avoid convenience foods and fast food.
16. For heaven’s sake, quit smoking.
17. Make a quadruple batch of a casserole.
18. Turn off the lights.
19. Swap books, music, and DVDs on the Internet or at the library.
20. Maximize yard sales.
21. Install CFLs or LEDs wherever it makes sense.
22. Install a programmable thermostat.
23. Buy quality appliances that will last.
24. Clean or change out your car’s air filter.
25. Quit using credit cards.
26. Plan your meals around your grocery store’s flyer.
27. Do a price comparison – and find a cheaper grocery store.
28. Make your own when you can.
29. Avoid stress-spending.
30. Share your dreams with people you love.
31. Do a “maintenance run” on your appliances.
32. Cancel unused club memberships.
33. Buy used when you can.
34. Keep your hands clean.
35. Remove your credit card numbers from your online accounts.
36. Give the gift of labor.
37. Do holiday shopping right after the holidays.
38. Join up with a volunteer program.
39. Declutter to save your sanity and some cash.
40. Try generic brands of items you buy regularly.
41. Prepare some meals at home.
42. Switch to term life insurance.
43. Stick to reliable, fuel-efficient cars.
44. Avoid the mall.
45. Master the 10-second rule.
46. Rent out unused space in your home.
47. Create a visual reminder of your debt.
48. Cancel magazine subscriptions.
49. Eat breakfast.
50. Swap babysitting with neighbors.
51. Don’t fear leftovers: Jazz them up instead.
52. Go through your clothes – all of them.
53. Brown bag your lunch.
54. Learn how to dress minimally.
55. Ask for help and encouragement from your inner circle.
56. Try to fix things yourself.
57. Keep an idea notebook in your pocket.
58. Invest in a deep freezer.
59. Look for a cheaper place to live.
60. Check out free events in town.
61. Inflate your tires.
62. Start a garden.
63. Dig into your community calendar.
64. Take public transportation.
65. Cut your own hair.
67. Design your ‘debt snowball.’
68. Get a crock pot.
69. Do some basic home and auto maintenance on a regular schedule.
70. Buy staples in bulk.
71. Pack food for road trips.
72. Go through your cell phone bill, look for services you don’t use, and ditch them.
73. Consolidate your student loans.
74. When buying a car, look only at used models.
75. Hit the library – hard.
76. Use a simple razor to shave.
77. Find daily inspiration for making intelligent moves.
78. Learn about all of the benefits your company offers.
79. Make your own cleaning supplies instead of buying them.
80. Suggest cheap activities when meeting up with family and friends.
81. Don’t speed.
82. saving money : Read more.
83. Buy a smaller house.
84. Drive a different route to work.
85. Always ask for fees to be waived.
86. Don’t overspend on hygiene products.
87. Eat less meat.
88. Use a brutally effective coupon strategy.
89. Air seal your home.
90. Make your own beer or wine.
91. Make sure all your electrical devices are on a surge protector.
92. Get on the automatic repayment plan for any student loans you have.
93. Cut down on your vacation spending.
94. Cancel the cable or satellite channels you don’t watch.
95. saving money : Exercise more.
96. Utilize online bill pay with your bank.
97. Connect your entertainment center and/or computer setup to a true smart power strip.
98. Don’t beat yourself up when you make a mistake.
99. Always keep looking ahead.
100. Never give up.
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