100 Biggest Ways to Save Money

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…

1. Refinancing your mortgage is perhaps the biggest way to save money
2. Buy a used car
3. Carpool or use park and rides
4. Get a fuel efficient car
5. Shop around for insurance
6. Bundle insurance policies to save money
7. Buy a condo instead of renting an apartment
8. Get a roommate to share costs
9. Consolidate your debt if it makes sense
10. Eat out less
11. Take public transportation
12. Use coupons
13. Shop online, you save money and aren’t as tempted to buy
14. Negotiate for everything
15. Save money by only buying things that you need
16. Borrow instead of buy
17. Rent instead of purchase
18. Create a budget to help track your spending
19. Consolidate all of your errands
20. Shop at discount stores
21. Pick up small items from dollar stores
22. Get groceries at Aldi’s
23. Shop weekly specials at your local market
24. Use a mobile app to find the lowest gas prices
25. Sign a monthly budget with your gas supplier that caps the annual rate
26. Find a lower rate credit card if you carry debt
27. Find a credit card with a good rewards program
28. Purchase wholesale from a club like Sams or Costco
29. Buy your computers and electronics refurbished from the retailers website
30. Save money by borrowing software from a friend
31. Use OpenOffice instead of Microsoft Office for word processing and spreadsheets
32. Use an online discount brokerage
33. Switch to a bank that has no fees and pays interest on your checking
34. Sell your unused stuff on craigslist or ebay
35. Do your own landscaping and yard work
36. Buy toys on clearance and save them in a bin for future gifts
37. Switch to Vonage or get rid of your home phone and just use your mobile
38. Bundle your phone, internet and television
39. Find a hobby that keeps you busy and keeps you from spending money
40. Go on a diet and save money on food
41. Contribute money to your retirement account each year
42. Make use of any match plan that your company’s 401k offers
43. If your self employed, start your own 401k
44. Become tax savvy and take advantage of deductions
45. Do your own taxes online or with inexpensive software
46. Save money by switching from cable to satellite
47. Get rid of cable and use Hulu and Netflix for both tv shows and movies
48. Become handy and do some of your own repairs
49. Cancel your newspaper subscriptions and subscribe to their RSS feeds instead
50. Borrow books, CDs and DVDs from your library instead of buying
51. Keep up auto maintenance to lower long term repair costs
52. Buy clothing that doesn’t require dry cleaning
53. Take advantage of the prescription drug programs at discount stores like WalMart
54. Buy generic or store brand items
55. Use a programmable thermostat to turn off heat and AC while you are sleeping or at work
56. Unplug unused electronic devices, they use energy even when not turned on
57. Buy used clothing or non-name brand clothing
58. Learn how to mend clothing to make it last longer, especially for children
59. Mix more vegetables into your diet for main courses (beans are much cheaper than meat)
60. Re-gift items that you can’t use or have duplicates (or return them for store credit)
61. Buy fruits and vegetables in season and deep freeze for winter use
62. Wait a few months and rent a movie instead of seeing it in the theater
63. Save money by planting a garden or growing your own vegetables and herbs in planters
64. Change the oil and filter in your car yourself
65. Shop garage sales, especially for childrens clothes and toys
66. Don’t buy bottled water, use a reusable environmentally friendly container
67. Swap out all of your lightbulbs with CFL or LED bulbs
68. Have your home checked for proper insulation
69. Get an energy audit from your local utility (often free)
70. Share magazines with friends and family
71. Learn how to make your own bread, will save you trips to the store and can freeze it for much cheaper
72. Take your own lunch to work
73. Drink coffee from home in a reusable insulated mug instead of from the coffee shop
74. Take advantage of all the money saving phone apps that let you compare prices and much more
75. Save money by doing more activities at home
76. Wait 6-12 months before buying a new electronics item
77. Don’t buy any extended warranties
78. Search for a coupon code or promo code before buying online
79. Visit a dollar store and buy all the greetings cards you’ll need for a year
80. Buy your mobile phone used from craigslist or ebay so you don’t have to sign up for 2 years
81. Use loyalty programs to get discounts from grocery, department and sporting goods stores
82. Buy your holiday decorations the day after the holiday is over (for next year)
83. Buy handsoap from a wholesale club and refill all of the small containers throughout your house
84. Do your research before buying any major item
85. Swapping babysitting duties with neighbors or friends is a great way to save money
86. Share a wireless internet connection with a neighbor
87. Get rid of any memberships you don’t use (gym, tanning, netflix, etc.)
88. Install low flow showerheads and toilets
89. Wear certain clothing multiple times and reuse towels before washing
90. Save on vacations by house swapping or renting from an owner instead of a service
91. Save on flights by booking well in advance and traveling on weekdays
92. Book your own travel online using all of the discount sites instead of a travel agent
93. Vacation in beautiful but less expensive locations
94. Use online banking and debit cards to pay bills (can save $10 in stamps per month)
95. Visit your city’s website to sign up for city sports and activities instead of privately sponsored
96. Fill your freezer with everything you need to create a meal, so that you aren’t tempted to go out
97. Keep your car tires properly inflated to maximize efficiency and tire wear
98. Buying a deep freeze to store bulk and sale items is one of the best ways to save money
99. Insulate your water heater
100. 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.

Related articles about money management:

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4. Ways to Save Money on Food
5. Monopolize These Ways to Save Money and Energy
6. 12 Ways To Save Money On College Textbooks
7. A Unique Way to Save Money
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10. How to Save Money When Building a House

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