How to Save Money - 181 Clever Ways to Save Money

Financer.com listed the best savings tips for you. This ultimate guide about saving money includes 181 clever ways to save money. Pick your favorite saving tips from the article below and start saving money today!

Saving categories - sort by 181 saving tips

Top rated saving tips

  1. Install LED bulbs in your home

    If you could switch all the 60 watts bulbs with 14 watts LED bulbs, this could save you up to $40 a year on electricity bill.

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  2. Don’t buy cheap clothes for the sake of cheap

    Quality matters over price. A cheap shirt that will wear out quickly is a poor bargain.

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  3. Designate a ‘no spend day’

    Have one day in a week to spend with family. There should be absolutely no buying on this day. Just a day of fun activities.

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  4. Use less water by installing low-flow shower heads

    Considering you could save hundreds, if not thousands, of gallons per year by using a low-flow shower head, this is a small change that you could incorporate which will save you a lot of money. The difference between old shower heads and low-flow ones is from 5 gallons of water per minute to 1.5 gallons of water per minute.

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  5. Air conditioner maintenance

    Regular service and maintenance of your air conditioner can save you up to $65 a year.

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  6. Downgrade on space

    Have your children share bedrooms. If you’re single, you may also consider being a roommate and share accommodation with someone.

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  7. Insulate your water heater

    This ensures a saving of anywhere from 4 to 9% of your water heating cost. Wrap up your water heating tank.

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  8. Install a cool roof

    This will reflect light and, thereby, cut your A/C needs.

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  9. Save nanny cost

    Share a nanny with a neighbor to cut on babysitting costs.

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  10. Buy items in bulk

    This will help reduce those trips to the grocery store, saving you money on transpiration costs. Some stores also offer extra savings when buying in bulk.

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  11. Fight your property tax assessment

    Compare your assessment with your neighbors’ if they have similar homes. Don’t just settle to paying more than them. You can always appeal to your local tax authority if you feel your assessment is too high.

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  12. Hand wash large dishes

    Large pots and pans take up a lot of space in the dishwasher. If you hand wash these, you will use the dishwasher less often.

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  13. Cook strategically

    Use your toaster instead of the oven if you are cooking something small. Use the microwave to heat food and save energy.

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  14. Insulate outlets and light switches

    When these are on the outside walls, they can be a source of air leaks. Go for inexpensive seals found at hardware stores.

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  15. Wash your clothes in cold water

    As long as there are no oily stains, cold water is just fine. Heating water takes up to 90% of the energy use at home.

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  16. Don’t buy pre-prepared foods

    Cooking your own freshly prepared meal is much cheaper (and healthier, too!).

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  17. Grow your own herbs

    Your kitchen garden saves you a lot plus it adds a beautiful touch of color to your home.

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  18. Avoid dry clean-only items

    You need to have the liberty to wash clothes at home. Dry cleaning bills can add up quickly.

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  19. Check for hidden water leaks

    Do not underestimate water leaks; these are often the cause of abnormally high water bills.

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  20. Shop Smart

    When purchasing large home appliances, such as refrigerators, dishwashers, and ovens, go for the most energy-efficient styles available. They might cost more initially but the long-term savings will pay it off for you, and then some.

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  21. Refinance your mortgage

    By changing the type of mortgage you have or finding a lower interest rate, you might be able to lower your monthly payments. Educate yourself about refinancing a loan.

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  22. Move away from the city

    Metropolitan areas have higher home prices than in suburban areas.

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  23. Negotiate the rent with your landlord

    If you always pay your rent on time, there could be room for negotiation with your landlord.

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  24. Rent out extra space on AirBnb.com

    This could be a basement, backyard or garage. If there’s demand for it, rent it.

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  25. Buy your home in cash

    You could save more than $150,000 in the interest rate that you could have paid in mortgage for many years if you buy your home in cash.

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  26. Compare your options on insurance

    Shop around and compare homeowners’ insurance policies. Ensure you do this before renewing your existing insurance policy.

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  27. Audit your home energy use

    You may find inexpensive ways on how to reduce your home and heating cooling costs and, eventually, save money.

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  28. Stop unwanted heat or cooling loss

    Seal any holes and cracks which allow warm air to escape in the winter or cold air during summer time. Such inefficiencies cost you money.

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  29. Air-dry your clothes, dishes, and hair

    If you need to use the dryer, ensure it has an auto sensor function to minimize longer, unnecessary drying episodes.

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  30. Unplug all unused electrical devices

    If these devices stay plugged in when not in use, they will be constantly using up electricity which can add up quickly.

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  31. Take all necessary precautions

    Be extra careful and remove any potential hazards before using power tools, ladders, and dangerous chemicals.

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  32. Consider buying generic drugs

    The FDA confirms they work the same way as brand-name drugs but are 30% to 80% cheaper.

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  33. Pick the right insurance policy

    A fair plan includes your doctors, medications, and care for any chronic conditions.

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  34. Check for errors

    Sometimes minor errors on bills and insurance company statements may cause a significant rise on bills. Go through the statements carefully.

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  35. Don’t miss free screenings

    Take advantage of free community health screenings for HIV, Diabetes, and high blood pressure. Save money while taking good care of your health.

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  36. Negotiate

    When facing huge hospital bill, do not be scared to negotiate a better deal. You may either receive a discount-on-cash reward or a payment plan making it more manageable for you to pay.

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  37. Get regular checkups

    These are mostly covered by insurance and can help a doctor detect health problems early.

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  38. Prevention is better than cure

    Be careful of injuries by wearing a helmet when riding a bike or a motorcycle.

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  39. Maintain cleanliness

    Encourage your kids and family members to properly and thoroughly wash hands with soap and water. Proper hygiene will save you money.

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  40. Save on supplements

    Most of them do not have enough data to support their effectiveness.

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  41. Avoid the ER

    Substituting the emergency room with your regular doctor will cost you more. If your doctor can help, go to him first.

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  42. Be upfront about finances with your doctor

    Don’t be embarrassed to tell him you are short on cash. He will suggest ways on how to save money.

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  43. Special Services

    Look for ways to save money through special services. These may be available to asthma or allergy patients, among others.

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  44. Compare costs for lab tests

    Shopping around and comparing costs for lab tests won’t cost you money. You may save money through this comparison process.

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  45. Coupon or Gift Cards

    Check manufacturers’ websites for Coupons or Gift Cards.

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  46. Stay healthy

    One of the saving tips on healthcare bills is to maintain a healthy lifestyle. Make healthy food choices, stay active and get enough rest.

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  47. Inquire about your group coverage insurance

    This might be a cheaper version than coverage for each individual.

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  48. Sign up for a health plan that covers travel insurance

    This gives you peace of mind as you travel abroad and you won’t require separate travel insurance every time you’re travelling.

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  49. Be prepared

    Set up a medical emergency fund to cater for unexpected emergencies.

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  50. Pay cash for medications

    This is a clever way to save money. Some medications are cheaper when you don’t go through insurance.

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  51. Sign up for a Health Savings Account

    This is a great money saving tip as it can lower medical care cost by one-third.

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  52. Use the internet carefully and thoroughly for self-diagnosis

    Just the flu or a simple stomach ache? Then, do your due diligence online, browse reliable sources and you can safely skip medical care.

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  53. Check out non-insurance options

    Be on the lookout for discount health plans on seasonal offers by banks to customers or employers to employees.  These may offer 20% to 60% savings on health services.

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  54. Go to a local dental school

    Such schools offer services at a fraction of what you would pay at a practice clinic. The tools and equipment used are still up to date and safe.

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  55. Keep good maintenance on your eyeglasses frame

    If you need to change eyeglasses, keep the same frame, as long as they are still in good condition.  Frames may account for almost half (if not more) of the total price of eyeglasses.  Also, skip the designer brands.

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  56. Join a discount club

    Plans like AmeriPlan allow participants to give members up to 60% discount.  The monthly membership fee for discount clubs ranges from $12-$30.

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  57. Have a safety net

    When switching jobs, ask whether you can extend your policy from an old employer.  These policies are usually quite inexpensive.

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  58. Don’t take ‘no’ for an answer

    If your insurance company declines to pay for a service, appeal the decision. If you win, you can save thousands of dollars. Do not just settle for a ‘no’. Try again.

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  59. Prevent tooth traumas

    Ensure your kids get two yearly checkups at the dentist instead of just one. Preventive care helps avoid costly treatments in the future.

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  60. Go for handmade stuff for your kids

    Giving your kids a birthday treat does not need to cost you an arm and a leg.  Craft little small presents and bake a personalized cake for them. There is a higher chance that they will appreciate and cherish it more, especially as they get older.

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  61. Go for breakfast instead of dinner

    Most restaurants have cheaper breakfast courses than dinner dates. It’s also a nice way to start off your day and do something different.

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  62. Opt for picnic lunches on your anniversary

    You can prepare your own packed lunch. Add your personal and intimate touch making the day even more special. This is a perfect time to enjoy the scenery at your favorite spot. It could be at the beach, mountain or at the park. Get creative!

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  63. Buy reusable Easter baskets

    These can be usually used for up to 6 years as they are pretty sturdy. Think about the savings: you won’t have to buy a different basket each year.

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  64. Get creative with birthday gifts

    Did you know that you don’t have to spend half your paycheck for a birthday gift? Think of surprising your loved one with the best thing you could give: quality time together! Go watch a movie, go for a picnic or hike up a mountain. Make memories that will last more than material things ever would!

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  65. Create your own party decorations

    You can find many free printable online templates for all kinds of parties. Save big and make your own!

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  66. Cut back on guests at weddings

    It is not necessary to invite every person you know in real life to your wedding. A small gathering of a few select people is much more intimate and you will be more likely to enjoy it more being surrounded by the people who really count. Do not worry if someone takes it personal that they weren’t invited. It’s not like they are paying for your wedding. It’s your day. Make it yours.

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  67. Eat at home

    Dinner dates at restaurants can be quite expensive, especially if you get tempted by the special appetizers of the day, desserts and alcoholic drinks/cocktails. These can easily add up. Have a romantic dinner at home instead and watch your favorite movie.

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  68. Make homemade Christmas gifts

    You don’t have to be a professional craftsman to prepare homemade Christmas gifts. You can get inspiration from old and unused clothes to craft gifts for loved ones. You can also find plenty of recipes online to bake small tarts to give to your family and friends. Nothing beats something homemade with love!

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  69. Set up a budget and stick to it

    Think of how many guests you plan to entertain and set a budget. No matter what, stick to it. If you start adding things here and there that weren’t part of your original plan, you will soon find out that you have long exceeded your budget.

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  70. Get a second-hand ring for your wedding

    Go for something vintage instead of spending hundreds, or thousands, of dollars on your wedding ring. You might also get a ring from a close relative of yours such as a parent or grand parent.

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  71. Pick an off-season day for your wedding

    The venue of your wedding can cause a dent on your finances, big time.  Most wedding venues charge a much lower fee for Friday and Sunday weddings. Shop around.

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  72. Keep your Easter dinner simple

    Focus on the main dish and, if you have friends and family coming over, share the expense. Most would be more than happy to prepare appetizers, side dishes, and dessert.

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  73. Don’t compete with other parents for birthdays

    Competing with other parents will make you spend beyond your means.  You do not need to throw an expensive party just to fit in. Your kid doesn’t need you to spend thousands of dollars for his/her birthday. As long as they can celebrate it with family and a few close friends, they will be happy. A sleep-over with  some planned games and favorite snacks will usually do the trick!

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  74. Refer to technological devices

    If you plan to drive long distances for a holiday trip, use apps for shorter route suggestions to help you save money on gas.

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  75. Recycle

    Find items you already have in your home to use in parties and cookouts. It’s amazing the things we sometimes store for years.

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  76. Go for dollar-store decorations

    There are so many gems you can find at discount stores. You can still decorate your venue without spending a fortune.

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  77. Sign up for cash back apps

    Websites that allow you to sign up for cash backs deals are worth checking out.  You get a certain percentage off the price just by spending money at these retailers.

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  78. Shop secondhand

    This frugal tip may not be everyone’s favorite, granted, but it will save you money. Shop from thrift stores or garage sales. You might be surprised to find unused items, some even still in their original package and box.

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  79. Throw your own party

    Host your own party at home. Do not hire a catering company. Guests are usually more than happy to help out and feel involved.

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  80. Buy party supplies in bulk

    This helps you cut costs on celebrations. You often get discounts by buying in bulk.

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  81. Avoid the bar

    This way you get to avoid admission fees as well as the drinks themselves. You may be surprised to realize you spend more than hundred dollars in one night on alcohol, especially if you meet people you know and you start buying rounds.

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  82. Do your research

    Find more about a certain restaurant before going to celebrate with friends.  Go for ones which offer a flat fee for desserts and drinks. You might want to check out “set menu” options, too.

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  83. Know your limits

    After you have shopped for everything for your celebration, know when to stop.  Don’t just enter the mall or a particular shop without a specific thing in mind to buy. If you do, you will be more likely to buy something you don’t really need.

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  84. Organize a neighborhood swap meeting

    You call neighbors with kids of the same age. Everyone comes with used toys, gifts and cards, and they can swap accordingly.

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  85. Stick to water

    Most restaurants mark up the cost of alcohol by three to five times. Stick to water and avoid the beverages.

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  86. Bundle up

    It will cost you about $100 a month to get cable TV, long distance telephone service, and high-speed internet service.  Bundling up all these services in one plan is cheaper than paying separately.

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  87. Skype calls VS using company’s phone

    Making calls using Skype instead of your company’s phone can save you a lot of money. Another low-cost internet phone service provider is Vonage.

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  88. Use a prepaid plan

    It would cost you an average of $60 a month as a wireless phone user. Prepaid plans may cost you as little as $20. Choose wisely!

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  89. Negotiate a lower rate

    You can save money by haggling a better deal with your internet or cable providers, especially if you’ve always paid on time and been a long-standing customer.

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  90. Subscribe to what you really need

    Skip the full package from a provider and purchase an indoor TV antenna for your own cable.  This way you only get to watch the main network television.   Major TV channels cost under $10 a month. If you only use 10 GB of data on your phone per month, do not pay for 50 GB a month. Ask your providers how much you actually use and update your subscriptions accordingly.

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  91. Cut TV altogether

    Why not opt for Roku, Apple TV, Hulu or Xbox instead of a cable package?

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  92. Go for Netflix

    Netflix is only $8-$12 a month. You get to watch the latest series plus thousands of movies.

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  93. Switch providers

    You might find a provider with low first-time-customer rates. Visit their website or simply ask. There’s nothing to lose and so much to gain.

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  94. Switch your TV to a tablet

    Stream TV using your tablet. This way you do not have to pay for a full cable package.

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  95. Ditch your landline

    You already have a cell phone plan. A landline is an extra bill to pay and, let’s face it, you rarely ever use it anyway.

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  96. Buy your own router

    Your own router will save you the cost of paying $10-$12 a month for a router that comes along with most internet plans. The only downside is that you may have to install it yourself.

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  97. Check for small business providers

    Look out for small companies which bring low-cost fiber internet to the public.  Small service providers usually have faster speeds, superior service and customer care.

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  98. Prepay your cell phone

    Prepaid plans charge 25 cents a minute or less.

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  99. Avoid peak calling times

    Check for those times when call charges are high. Avoid peak times.

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  100. Get a calling card

    Calling cards are cheaper when making long distance calls.  Especially if you have a roommate, a calling card will save you a good amount of money.

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  101. Get free phone call service

    Apps like TextNow offers free unlimited texting in North America.  You also get to enjoy low-cost long distance calling.

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  102. Share your Netflix account

    The standard plan allows watching two screens at the same time. A premium plan allows watching four screens at the same time. Share your account with others and divide the cost.

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  103. Connect your laptop to your TV

    A cool tip for saving money which allows you to watch online content on TV. Use an HDML cable which costs around $20.

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  104. Go for the cancellation department

    In a competitive market, no provider would want to see you go. Best deals come from the cancellation department.

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  105. Be nice

    Negotiating a deal might be a frustrating experience but be diplomatic and nice while making your point. If you are courteous, the reps will be more likely to offer a good deal. We are human beings after all!

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  106. Go to the library

    Your local library has free entertainment. All you need is a card and you get to enjoy movies, books, and magazines. All for free.

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  107. Get an unadvertised theater ticket discount

    Call your nearby theater to find more about discounts. There are last-minute discounts for unsold seats a couple of hours before a show begins. Take advantage!

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  108. Keep your pet fit

    A pet that is used to walks and general exercise is at a less risk of developing health complications resulting from obesity or wear and tear on joints.  Only feed your pet the right amount of food for his weight and breed.

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  109. Give your pet quality food

    You do not need to buy the most expensive brand. Give your pet quality food to avoid GI upset and other problems.

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  110. Shop around for medications

    Look for ways to save money by asking for written prescriptions from your vet. This will allow you to compare prices.  You might find a less expensive substitute.

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  111. Banish the bling

    Your pet will not care for or notice the expensive jewelry you put on his collar. Cut down on the expensive bracelet or vest during walks. Your pet only wants your love, care and attention.

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  112. Talk to your vet

    Do talk to your vet for suggestions on how to save money on your pet’s care without compromising his health.

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  113. Avoid a pet sitter

    You can talk to your friends or neighbors. You might be surprised how they might enjoy walking your pooch a few times a week.

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  114. Learn how to trim your pet’s nails

    Your vet may show you how to do it yourself.  You may also watch YouTube how-to videos. Do invest in good quality trimmers, though. Your pet might even prefer you trimming their nails over the vet. It’s a win-win situation!

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  115. Groom your pet less often

    Grooming a pet may cost you so much if done so often. Limit such occasions to the basic necessities.

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  116. Check for extras before buying kennels

    Kennel prices may vary greatly depending on boarding extras. These features may not be necessary to accommodate your pet. Look for a simple kennel for your needs.

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  117. Opt for three-year vaccinations

    This may be a cheaper vaccination option rather than the yearly vaccines. However, check with your vet first.

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  118. Don’t skimp on regular checkups

    Preventive care on your pet may save on medical bills in the long run.  Last minute or after-office-hours visits to the vet may result in higher bills.

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  119. Do not give human drugs to your pets

    Human drugs like ibuprofen may result in major complications. You will have to spend more to correct the situation.

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  120. Adopt a pet; do not buy

    Dog shelters are great places to adopt instead of buying. A bulldog puppy could be sold at $800. An adopted one costs a mere $45.

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  121. Buy pet’s food online

    Directly check the food company’s websites. They usually have various coupons and offers.

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  122. Compare vet prices

    Avoid the habit of just going to the nearest vet. Compare prices. Join online groups of pet owners in your areas and discuss with them. Prices can differ greatly.

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  123. Craft DIY toys

    Pet stores have ridiculously expensive toys. Look for things in your house that you can turn into toys while making sure they are safe enough for your pet.

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  124. Download Pet Care Services App

    There is an app called Pet Care Services. It shows you all the discounted vet stores nearby.

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  125. Think twice about pet insurance

    Most insurance policies require you to pay high premiums for pets at higher risk for health issues. Open a savings account for pets’ emergency needs instead.

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  126. Split the cost of pet food

    Buy food in bulk and split the cost with another pet owner, to make sure it doesn’t expire before you can use it.

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  127. Sign up for manufacturer’s newsletter

    This way you will be notified instantly when a special offer is on.

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  128. Ask the vet for free samples

    A vet may offer sample products or coupons.  Take advantage of these. The vets get them for free and they are usually more than happy to give them out and share with their clients.

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  129. Train your pet

    Learn to train you to own pet and save money on training costs if you were to send your pet to a “school for dogs”, for example.

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  130. Heartworm control

    The cost of heartworm prevention is $15 per month.   The cost of treating heartworms starts at $400.  Prevention is better than cure.

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  131. Take good dental care of your pet

    Brushing your pet’s teeth regularly can prevent tartar and plaque. Dental treatments can cost $1000 and upward. Train your dog from when he’s a puppy so he’s used to such procedures.

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  132. Check for state and federal programs

    There are various national programs that offer financial assistance to pet owners who are in need. You may get funds for treatment and spraying cost.

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  133. Choose a low maintenance breed

    Some breeds are more prone to disease and maintenance than others. Do your research before you choose a breed and pick one that matches your lifestyle and budget.

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  134. Use a credit card

    Credit cards for pet-related purchases enable you to receive cash back for some of your expenses.

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  135. Sign up for loyalty programs

    You may be rewarded for being a loyal customer.  Find about such programs at your regular pet food store.

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  136. Take your own photos

    If you fancy a great pet portrait, take your own photos instead of hiring a photographer. You will find many DIY ideas online.

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  137. Limit the number of pets you own

    The fewer pets you own, the less money you will spend.  Only buy or adopt pets you are comfortable taking care of.

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  138. Choose cheaper flights

    When you travel at off-peak hours, such as late at night or very early in the morning, you can save a lot of money on flights. Avoid the weekends.

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  139. Sign up for Skyscanner’s free price alerts

    The price of flight varies depending on the month.  The free price alerts will help you identify the cheapest days of the week to fly.

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  140. Travel in low season

    Don’t go for holiday trips during Christmas or school holidays.  Your flights will be more crowded, accommodation costs will be more expensive and even attraction sites might cost more to visit.

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  141. Fly indirect

    A direct flight will cost you much more than flying indirect. Consider a flight with a stop-over.

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  142. Find an alternative airport

    It may be cheaper to fly from an airport slightly farther away from your home. Do take into consideration your travel expenses to get to the airport and decide accordingly.

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  143. Bring your own food on board

    As long as the foods are not liquid, you can bring along your own snacks. Food on the plane is much more costly.

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  144. Beat baggage fees

    Don’t cram extra baggage in your suitcase. Carry a good hand luggage bag and take a portable luggage scale to check the weight before you check-in.

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  145. Home swaps

    This is a cool saving tip as you avoid hotel fees.  You will still get to enjoy home comforts away from home.

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  146. Try a private room

    Various sites like AirBnB allow people to rent out their apartments, basements, gardens, etc. Save money by looking for a private room nearby on similar websites.

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  147. Download travel apps

    There are various apps where you can find cheap travel guides. These apps can prove to be a real saving buddy, especially as most guides and tips are written by locals who would know the best deals!

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  148. Save on foreign currency exchange

    Get your currency before you reach the airport. This way you secure the best rate.

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  149. Get cheaper travel insurance

    Annual multi-trip insurance is cheaper than buying insurance for a single trip.

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  150. Go for countries who offer low-cost holidays

    There are low-cost destinations where you can enjoy sunny beaches and metropolitan cities. Two examples would be Cambodia and Greece.

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  151. Start up a travel savings account

    Keep a savings account where you get to save funds for travel purposes.

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  152. Be flexible with your plans

    Always be flexible about your travel plans. Don’t choose a single location and just focus on it. Plan two or three and then decide accordingly by weighing the pros and cons, including the expected cost for each trip.

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  153. Research museum pricing

    There are various museums which offer free or discounted student pricing.  You can also find ways to save money by taking advantage of cheaper tickets for young adults or family visits.

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  154. Use public transportation

    It is always wise to do as the Romans do when in a foreign town. Public transportation saves you money and also helps you get personal with the locals. Get to know and understand their lifestyle and culture better.

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  155. Have a picnic

    Pick up veggies and fruits from the city you are visiting. A picnic is much cheaper than eating out at a restaurant. This way, you wouldn’t have to dine out every single night and you will spend less on food.

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  156. Offer language services in non-English speaking countries

    You may have noticed badly misspelled menus in such places. Offer editing or proofreading help in exchange for a free meal.

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  157. Ask the locals for prices

    There is no need to feel uncomfortable asking about pricing of certain things. Most of the locals will be ready to provide such information.

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  158. Keep an eye on fares after you book

    You can still change or cancel your flights within 24 hours.  If you find a better deal, you can save money with no penalty. Do read the Terms and Conditions you have agreed to before making any changes.

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  159. Get a travel rewards card

    You can earn your $40,000 bonus miles after spending $3,000. A good card will have no transaction fees.

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  160. Book directly through a hotel’s website

    Most travel sites offer a discount for direct online booking. The lower rates are prepaid and non-refundable.

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  161. Seek all inclusive deals

    It is better to pay just once for your whole vacation, especially if you are travelling with children.

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  162. Use a traveling agent

    A reputable traveling agent will help you avoid costly bookings. If you are a first-timer and have never planned holidays before, this will save you money and potential mistakes.

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  163. Create a budget

    Create a written plan of how you intend to spend your money on vacation.  Include cash to be spent on emergencies.

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  164. Travel overnight

    If you love your sleep, travel overnight and save money on hotel costs.   Use a ferry or trains as these overnight tickets are usually sold at bargain prices.

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  165. Stay by the beach

    Book your villa near the beach. If you and the persons you’re traveling with enjoy swimming, you will enjoy the beach and save on traveling expenses.

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  166. Check Wi-Fi cost

    Stay in a hotel with free Wi-Fi coverage.  Switch hotels if your current one charges you as this will quickly add up.

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  167. Hire a diesel car

    Cars with diesel engines use less fuel.

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  168. Use Google flights

    You can book some cheap itineraries that are not available on the airline’s website. The Google map tool shows you countless fares around the world.

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  169. Carpool

    The best way to save on fuel cost is to carpool. If you are going to the same destination with other people, carpool and save money.

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  170. Refinance your car loan

    If the rates are better than the time you purchased your car, look for a better deal. Check auto loan rates.

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  171. Invest in car maintenance

    Keeping your car in good shape will save money in the long run. Keep the engines tuned and tires inflated.

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  172. Repair your clothes instead of throwing them away

    You may not have that extra money for a shopping spree but there are many ways to spruce up your wardrobe. Learn how to mend seams, replace zippers and other simple mending techniques.

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  173. Don’t spend so much to entertain children

    Sign up for memberships to local attractions such as a zoo, museum or water park. An annual pass may be a cheaper option especially if you live near the attraction and you plan to go there frequently. You can spend a few hours there without feeling like you wasted money because you didn’t go though every single exhibit.

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  174. Have a monthly budget and stick to it

    Preparing a monthly budget is one thing but sticking to it is quite another. A budget is an effective way to avoid impulse buying.

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  175. Stop smoking

    Money spent on cigarettes really adds up. According to the American Lung Association, the average cost per pack nationwide is $5.51. If you quit smoking, you can save more than $2,500 per year, depending on how much you smoke.

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  176. Record your expenses

    When you track down all your expenses, it’s easier to identify your major expenditures and where you can cut back on unnecessary expenses.

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  177. Prioritize

    The first step in saving money is to differentiate between wants and needs. Necessary expenses should be at the top of the list in your budget so that you don’t spend so much on non-priorities. Before you buy something, stop for a minute and ask yourself, “Do I really need this or can I do without?”

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  178. Delay spending

    Instant gratification when it comes to shopping can really mess up your budget. If you delay buying that thing for even just a day or two, you can make a more informed decision and might realize you don’t actually need that item after all.

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  179. Start saving for your retirement

    Decide how much money you would want to have after retirement and decide on ways to increase your contributions to your savings plan. If your company offers a health savings account (HSA), you can free up a portion of your income to save accordingly.

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  180. Cook at home

    Making your own meals rather than eating out can save you a significant amount of money every year. Buying lunch instead of packing your own can cost you $2000 a year.

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  181. Walk more

    If you are going on a trip that is less than two miles away, walk instead of using your car. Plan ahead on everything you want to accomplish in one trip to avoid repeated trips.

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