Need some money saving ideas? We’ve compiled a list of 100 ways to save money. For this list, we’ve started with the biggest ways to save money at the top of the list and then worked out way down to some small but still useful ways to save even more money. Not all tips will apply to everyone and some may seem really small, but every money saving idea helps change your mindset and improve your chances of saving real money. Ready, set, save…
- Refinancing your mortgage is perhaps the biggest way to save money
- Buy a used car
- Carpool or use park and rides
- Get a fuel efficient car
- Shop around for insurance
- Bundle insurance policies to save money
- Buy a condo instead of renting an apartment
- Get a roommate to share costs
Consolidate your debt if it makes sense- Eat out less
- Take public transportation
- Use coupons. Getting coupons by answers.com can help you start saving immediately.
- Shop online, you save money and aren’t as tempted to buy
- Negotiate for everything
- Save money by only buying things that you need
- Borrow instead of buy
- Rent instead of purchase
- Create a budget to help track your spending
- Consolidate all of your errands
- Shop at discount stores
- Pick up small items from dollar stores
- Get groceries at Aldi’s
- Shop weekly specials at your local market
- Use a mobile app to find the lowest gas prices
- Sign a monthly budget with your gas supplier that caps the annual rate
- Find a lower rate credit card if you carry debt
- Find a credit card with a good rewards program
- Purchase wholesale from a club like Sams or Costco
- Buy your computers and electronics refurbished from the retailers website
- Save money by borrowing software from a friend
- Use OpenOffice instead of Microsoft Office for word processing and spreadsheets
- Use an online discount brokerage
- Switch to a bank that has no fees and pays interest on your checking account
- Sell your unused stuff on craigslist or ebay
- Do your own landscaping and yard work
- Buy toys on clearance and save them in a bin for future gifts
- Switch to Vonage or get rid of your home phone and just use your mobile
- Bundle your phone, internet and television
- Find a hobby that keeps you busy and keeps you from spending money
- Go on a diet and save money on food
- Contribute money to your retirement account each year
- Make use of any match plan that your company’s 401k offers
- If your self employed, start your own 401k
- Become tax savvy and take advantage of deductions
- Do your own taxes online or with inexpensive software
- Save money by switching from cable to satellite
- Get rid of cable and use Hulu and Netflix for both tv shows and movies
- Become handy and do some of your own repairs
- Cancel your newspaper subscriptions and subscribe to their RSS feeds instead
- Borrow books, CDs and DVDs from your library instead of buying
- Keep up auto maintenance to lower long term repair costs
- Buy clothing that doesn’t require dry cleaning
- Take advantage of the prescription drug programs at discount stores like WalMart
- Buy generic or store brand items
- Use a programmable thermostat to turn off heat and AC while you are sleeping or at work
- Unplug unused electronic devices, they use energy even when not turned on
- Buy used clothing or non-name brand clothing
- Learn how to mend clothing to make it last longer, especially for children
- Mix more vegetables into your diet for main courses (beans are much cheaper than meat)
- Re-gift items that you can’t use or have duplicates (or return them for store credit)
- Buy fruits and vegetables in season and deep freeze for winter use
- Wait a few months and rent a movie instead of seeing it in the theater
- Save money by planting a garden or growing your own vegetables and herbs in planters
- Change the oil and filter in your car yourself
- Shop garage sales, especially for childrens clothes and toys
- Don’t buy bottled water, use a reusable environmentally friendly container
- Swap out all of your lightbulbs with CFL or LED bulbs
- Have your home checked for proper insulation
- Get an energy audit from your local utility (often free)
- Share magazines with friends and family
- Learn how to make your own bread, will save you trips to the store and can freeze it for much cheaper
- Take your own lunch to work
- Drink coffee from home in a reusable insulated mug instead of from the coffee shop
- Take advantage of all the money saving phone apps that let you compare prices and much more
- Save money by doing more activities at home
- Wait 6-12 months before buying a new electronics item
- Don’t buy any extended warranties
- Search for a coupon code or promo code before buying online
- Visit a dollar store and buy all the greetings cards you’ll need for a year
- Buy your mobile phone used from craigslist or ebay so you don’t have to sign up for 2 years
- Use loyalty programs to get discounts from grocery, department and sporting goods stores
- Buy your holiday decorations the day after the holiday is over (for next year)
- Buy handsoap from a wholesale club and refill all of the small containers throughout your house
- Do your research before buying any major item
- Swapping babysitting duties with neighbors or friends is a great way to save money
- Share a wireless internet connection with a neighbor
- Get rid of any memberships you don’t use (gym, tanning, netflix, etc.)
- Install low flow showerheads and toilets
- Wear certain clothing multiple times and reuse towels before washing
- Save on vacations by house swapping or renting from an owner instead of a service
- Save on flights by booking well in advance and traveling on weekdays
- Book your own travel online using all of the discount sites instead of a travel agent
- Vacation in beautiful but less expensive locations
- Use your online banking account to pay bills (can save $10 in stamps per month)
- Visit your city’s website to sign up for city sports and activities instead of privately sponsored
- Fill your freezer with everything you need to create a meal, so that you aren’t tempted to go out
- Keep your car tires properly inflated to maximize efficiency and tire wear
- Buying a deep freeze to store bulk and sale items is one of the best ways to save money
- Insulate your water heater
- Make sure your appliances are energy efficient
Okay, we made it to a hundred ways to save money. Maybe a little overlap but overall some good money saving tips that you can apply to your everyday life.
{ 27 comments… read them below or add one }
#33 Switch to a bank that has no fees and pays interest on your checking …
I agree with this one. I used to think my money grows with interest. Truth is, bank fees can eat into your savings.
Not sure though how
#98 Buy a deep freeze can save money.
Maly recently posted..Dog Dry Skin Remedy | Hot Spots And Itchy Dog Skin Relief
I like the homemade themes myself:
Grow your own food, fix things yourself, make homemade gifts for your friends and family. Everything you can do yourself is a way to save money.
Here we go! I was searching some real money saving tips over the internet and I have landed on the correct page. I would like to share my idea too. 🙂
I save money by switching off the engine of my car. It saves me a lot of money. Also, I am taking care of air pollution in this manner.
Thanks mate for sharing such a nice piece of information.
Aaron
Economic slowdown has spread its wings. All of the major economies of the world are under deep economic crisis. The governments and banks are making numerous efforts to revive economies but no one is concerned about the common man. This article has shown some fruitful ways to save money.
I believe that these ideas must be spread and taken into practice as they can improve savings and it can lead to revival of the economy further.
Thanks for such nice post.
Aaron
electronic components shop recently posted..We are proud to bring you Bouncy Spider
“Go on a diet and save money on food” Thats just another reason for me to go on another diet!
Now that’s a pretty big list of useful tips. I’ve checked for myself to see how many of them apply to me, and where I could improve. I do use some of the tips, but others I don’t and that’s about to change. Simple things really can make the difference. And they won’t hurt at all.
Hi a good way I have been saving electricity therefore saving me money. Is using our thermal cooker you heat your food put it in the flask and it cooks itself without using any power. An absolutely great bit of kit.
Great list thanks lee
Lee recently posted..Multi Pet Insurance
You really rock Chris. I never thought of these saving before.
#60. Re-gift items that you can’t use or have duplicates (or return them for store credit)
#79. Visit a dollar store and buy all the greetings cards you’ll need for a year
#82. Buy your holiday decorations the day after the holiday is over (for next year)
Thanks for posting these tips, they really helpful for all who are in to savings.
#10 and # 61 are my 2013 New Year’s Resolutions. Really nice list you have curated Chris. I’m sure many of you readers have found it useful.
Hi I have came back to this post a few times over the last few months as a reference and have used it several times for different things just thought I would share that with you.
So for great resource thanks lee
Lee recently posted..Bucket List Ideas
There are a lot of ways on how to save money but there are also things that need to prioritize. Well, I think that your list is very well manage and may be able to help with every instance depending on a certain situation.
I can relate to #84 “Do your research before buying any major item”
Before, I didn’t do that. I bought some items before that I just thought that it’s good in specifications but it’s not when you purchased it. I mean it’s better to make sure that a product is good by researching and reading some reviews. You can save money on that and you may find better products than your first choice.
Hello, Chris!
This 100 biggest ways to save money post is just what people need to trim their budgets!
One thing I would add is to buy more expensive items for your home furnishings. It may seem like a bad way to save money, but if you buy higher quality items such as furniture and decorations, they will last a lot longer and don’t need to be replaced.
Keep up the great blogging!
Greg Holbert recently posted..12 tax audit red flags
If you have a newer TV you can get rid of TV service altogether and just use the internet as your TV service provider :). Great way to save a bit each month.
marcin recently posted..Daygame Blueprint: A Review From Someone Who Has Purchased It
I like your post, because all the above informative points is so useful and so helpful to save money in different ways. I totally agreed with your post.
Jimmy Lings recently posted..Get Personalized Toiletry Bags for Your Next Advertising Campaign
Will go with Michael, 10 and 61 is surely a good method for this 2013. Learn how to make bread, its not that easy…that means i got the acquire that skill which means extra spending of money.
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Add water to everything you can to get the most out of it. Example…shampoos, hair rinse, any liquid food items. Chocolate syrup, Ketchup, Mustard, salad dressings. Dishwashing soaps, hand lotions, suntan lotions and so on. Use every bit of the product in the container by adding water to it. You can always get more out of squeeze bottle and tubes too. Add water to it at the end, shake up and finish off last of what ever was in it.
Hi,
Very useful information. Now a days saving money is very important factor and here you gave us such a 100 useful ways. I think everyone must apply above mention ways, so they can save money and can use for another reason or can make Financial Planning.
Once again Thanks a lot for sharing.
WOW!that really a great information and thanks to you for telling us a many ways to save money.
From this advice anybody save their money and use them at the right place.
What a big list. I’ll like to add this: Don’t be extravagant. I have seen many people spending a lot of money just to feel big. I see that as a big foolishness. I’ll also advice people to buy in bulk whenever they can. And don’t forget to haggle like a woman.
“Haggle like a woman”?! Wow! Sounds a little sexist. Maybe you are just surrounded by good women negotiators.
Chris S recently posted..Are Frequent Flier Miles and Credit Card Rewards Valuable?
Hey, your all ideas are really good for saving money. I tried these few ways and they really help me in saving money. From the long time, i was searching for a useful tips for saving money. After visiting your site, I found useful information here. Thanks for sharing such a great information with us.
Lisa recently posted..Glass Bowls for Smoking – ARY Wholesale
Your post is a lot of what my parents taught me.Believe me.I learned how to stretch a dollar.I come from a family of 14 kids,and my dad worked at CATERPILLAR,but the whole family learned survival alternatives.
BILL recently posted..LEARNING FOR PLEASURE
Geez, what a list, good ideas and I am definitely impressed that you could sit down and list 100 different things to do to save money. I imagine that took some time, so thank you for doing it.
This is so crazy, i never received this kind of unique high-end stuff…Really its very helpful to save our money in different ways, i hope every person should need to know this kind of valuable information especially for business person.
Wow, great list, usually when I’m looking for lists such as these it’s top ten or at most top 20, but great job on getting 100 things together. I was looking through your list and seeing that I do many of these things, but I could definitely implement more of them.
This is a GREAT article, my Husband and I found out that our house was NOT properly insulated, had some Foam insulation installed in a few walls that were lacking and are saving about 40% per MONTH just because of those changes
Hi Chris,
This is my tips for saving money. Before making your next purchase, determine if it is a necessity. If not, there is a strong possibility that you should refrain from purchasing. Unfortunately, there are many who do not understand the value of money and how small indulgences can lead to huge expenses. Although it is good to reward yourself, this should be done in moderation-if saving is your ultimate goal.
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