126 Clever Ways To Save Money
Finding ways to save money in your budget can be so hard.
Especially when you feel like you have cut everything out of your budget possible.
So here are 126 clever ways to save even more money!
Of course the very first thing you should do is create a budget.This way you know how much money you have and where it is going. For the easiest way to budget EVER Click HERE!
1. Consolidate Your Debt
Bring all that debt together. By combining all your credit cards, student loans, and car payments into one payment you avoid all the different interest rates that drag down your progress to being debt free. Also by having only 1 payment to focus on you won’t have to worry if you paid them all on time, therefore avoiding late fees.
2. Cut Food Costs
Making a conscience effort to tighten up the money you spend on food will greatly save you in the long run. Learn how to meal plan and only spend $5 per meal! Meal Planning has never been easier than this!
3. Stop buying in-app purchases
4. Meal prep your lunches
5. Raise your health insurance deductible
6. Cut the cable cord. Streaming services are cheaper.
7. Minimize your closet
8. Do a no spend month challenge twice a year
Hard to remember but clever ways to save money:
9. Keep your thermostat 3 degrees lower and add layers
10. Shut off the lights when the sun is out
11. Unplug the unused appliances
12. Never do a ½ load of laundry
13. Air dry clothes (or big items)
14. Sign up for every deal and customer reward program you can think of for clever ways to save money
15. Sell your collections and minimize your life
16. Make your gifts homemade or create gift baskets
17. Practice the 30 Day purchase rule (decrease instant gratification) If you still want it in 30 days, than you can purchase it.
18. Invite friends for a game night and drinks instead of going out
19. Go green. Make your own cleaning products.
20. Make your own reusable napkins and “paper” towels is a great clever way to save money
21. Cut and color your own hair. eSalon is the BEST option!
22. Swap babysitting and pet sitting gigs with neighbors and family
23. Don’t spend big money entertaining kids (they enjoy your time more)
24. Negotiate. Credit cards, cell phones, internet packages
25. Refinance if it is worth it
26. Drink more water and less store-bought drinks
27. Never shop convenience stores
28. Triple or quadruple your homemade food batches (take for lunches)
29. Make your own soaps
30. Utilize libraries
31. Thrift Shop!
32. Know what’s on sale even when you thrift shop
33. Learn the secrets of grocery shopping (see how we did it!)
34. Shop clearance racks
35. Look into local food harvests or food drives open to everyone
36. Fix dripping faucets
37. Use unleaded instead of premium fuel
38. Unscrew unnecessary light bulbs
39. Clean or replace car air filter
40. Clean or replace furnace air filters
41. Clean or replace dehumidifiers air filters
42. Quit smoking
43. Quit using credit cards
44. Buy with cash only
45. File your annual taxes with a free online filer
46. Use a coin jar
47. Start a dollar jar
48. Start a garden
49. Stock a frugal pantry
50. Learn to can/preserve food
51. Find a local bakery and get day old bread
52. Use kids eat free offers
53. Use birthday freebies
54. Shop bulk stores like Costco or Sam’s Club for staples
55. Invest in a deep freeze for bulk sale items
56. Buy generic
57. Always shop the lower shelves at the grocery stores, these are lower marked and cheaper brands. Typically, same quality as top brands.
58. Cut the gym use the great outdoors
59. Use free weight loss websites to track calories or progress. Start a weight-loss journey that works, instead of yo-yo dieting
60. Ask your doctor about money saving prescription options for clever ways to save money
61. Ask your pharmacist for generic medication or use RX app
62. Ask your HR rep for health care incentives to lower health care cost
63. Find a local dentistry school for free dental exams
64. Find a local beauty school for free hair cuts
65. If you’re military or veteran (thank you for your service) utilize your discount every time
66. Stock up on discounted gift cards and use through the year 67. Don’t leave the coupon box empty. Always look for online coupons for your purchase by googling it
68. Use eBates for everything. A website that gets you cash back for EVERY PURCHASE you make by using their website to access your favorite name brand stores! So Easy!! Sign up for eBates HERE
69. Research the best times of the year to buy everything you will need in advance
More Clever Ways To Save Money You’ve Never Heard Of!
70. Use Groupon everything possible
71. Always buy clothes end of season
72. Be thankful for what you do have. Adopt a minimalist mind set
73. Go to local high school games for entertainment
74. Family Game night including Wii or Xbox Sports
75. Take out family photos for a fun free evening
A really clever way to save money as a family:
76. Drink lower priced wines like Trader Joe’s “2 buck chucks” (which are now 3 bucks). In some locations Aldi has started selling wine as well.
77. Enjoy the outdoors. Hiking, swimming at the lake, or local swimming pool, parks,
78. Go Geo-Caching
79. Don’t buy bottled water
80. Check craigslist for free items
81. Set up an automatic savings account.
82. Take advantage of employer match retirement plans
83. Calculate purchases of hours worked instead of cost
84. Insulate your basement
85. Use less laundry detergent and add baking soda and white vinegar instead this is an awesomely clever way to save money
86. Lower hot water temperature
87. Find cheapest local grocery stores (Aldi if you have one)
88. Read the weekly grocery store ads and meal plan around them
89. Cancel club memberships
Another clever way to save money
90. Cancel magazine memberships
91. Buy used whenever possible
92. Take vitamins to stay healthy and avoid the Doctor and co-pays and bills
93. Wash your face when you wash your hands to avoid germ intake
94. Gift plan a year in advance. Purchase gift for next year after the holiday
95. Avoid Malls
96. Never throw food away -Do a leftover night
97. Brown bag it
98. Learn to dress minimally and classy
99. Take public transportation
100. Keep your tank above the ½ way mark, your car uses more gas the lower it gets.
101. Create a debt snowball 102. Carpool
103. Buy and use your crock pot
104. Pack and prepare food for road trips
105. Contact local theater and ask for discounted movie tickets
106. Learn all about your companies benefits and perks
107. Learn about your communities perks and freebies
108. Use a regular boring razor to shave
109. Use conditioner for shaving cream
110. Use coconut oil for lotion
111. Don’t speed. Manage time to get their on time without rushing. Learn How To Prioritize Your Schedule so you don’t feel so rushed HERE
112. Read more
113. Purchase or rent a smaller home
114. Plastic wrap your windows
115. Consider doing a stay-cation instead of a vacation
116. Never give up. Each day is a new beginning, start again tomorrow!
117. Keep your goals in mind everyday envision your life when you conquer it. Create a vision board, to help you envision your goal.
118. Create a gratitude journal, this helps when we really want something we can afford or shouldn’t afford. Remembering how much we have to be grateful for refocuses our attention and helps us to re-center our vision for saving.
119. Use Caster Oil as a night cream and nail growth serum
120. Do your own manicures
121. Use YouTube to learn how to fix house projects
122. Ask friends and family to split plants in the spring and fall for your yard instead of paying full price.
123. Go berry picking and make your own frozen fruit for smoothies and jams.
124. Use farmers markets, tip* go at the end of the day and ask vendors how low they will go for cases of remaining produce. They don’t’ want to bring this stuff home. The is a great opportunity for bargaining.
125. Use local church garage sales for good thrift places
126. Look to your county for huge sales usually held at the county fair grounds for things like kid’s clothes or community garage sales