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24 Tips to Save More Money

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Saving more money is a great way to provide relief for your personal finances. It can help pay your credit card bill, keep more money in your bank account, and free up funds to be invested. Check out 24 of the best tips to help you save more money below.

Tips to Save More Money

Tips to Save Money - Cut the Utility Bill

1. Switch Cable Providers

There are a few ways to save on cable. The easiest is to change your plan and lower the amount of channels included in your subscription. This will save you both time and money.

Other options include switching to bare bones plans like Sling or just negotiating (aka, threatening to leave) and seeing if your current provider or a new provider can offer a better deal.

Also, another graet option is to use BillShark to save money with your existing providers. That way, there is no hassle of switching!

2. Bundle Your Internet

If you haven’t already, bundle your internet with your cable to save money. This is a no brainer.

Buying your modem will also help you save in the long run (instead of renting month after month). It’s a big up front cost, but it pays back over time.

3. Switch Cell Phone Providers

Consider pay as you go (data) providers like like Google Fi or lower cost providers like Sprint.

And, next time you are switching cell phones, sell your old cell phone rather than throwing it away!

4. Lower Your Electric Bill

Some easy ways to save on electric include buying energy efficient light bulbs, consistently turning off the lights in rooms you are not in, watching less TV, and unplugging your electronics when not in use.

5. Lower Your Gas Bill

Some easy ways to save on gas include taking quick showers (or cold showers!), dressing warm (and keeping your home/apartment at a colder temperature), and sealing windows/doors to insulate more efficiently.

Or, use Arcadia Power to get free, renewable energy (helping you and the environment!).

Tips to Save Money - Save on Weekend Expenses

6. Eat In More

One of the key tips to save more money is to eat in more. You can easily eat in for a week off $80, which is the cost of a night out for many people.

You can eat in more by packing a lunch, cooking fancy dinners (helps break up the boring routine), and cooking in bulk (so you don’t have to cook every night).

7. Drink In More

A beer at a bar costs anywhere from $2 – $6 depending on where you live. A 6-pack of beer cost $5 – $12 ($0.80 – $2.00 per beer).

A nice beer “in” is the same price as the cheapest of cheap beers “out”!

8. Eat Less Expensively

If you have to eat out, consider fast casual or even a less expensive sit down restaurant. It’s possible to get the convenience of eating out without the huge price tag.

High Earner, Not Rich Yet: Learn more about HENRYs and how to avoid becoming one.

9. Search for Deals

With food, drink, and activities, sites like Groupon and Living Social can help you make the most of your money (and night out). Don’t pay full price when you don’t have to!

Tips to Save Money - Pay Less for Groceries

10. Shop Sales

Be flexible at the grocery and deviate from your grocery list as needed to take advantage of sales.

11. Plant Herbs

Fresh herbs can be extremely expensive at the grocery store. Even if you don’t have a green thumb, you can likely still manage some potted, fresh herbs. It’s a great way to add flavor to at-home meals.

12. Don’t Waste Food

Plan your meals, eat your leftovers, and make sure you’re not throwing away any food (money).

13. Buy in Bulk

Buying non-perishable items in bulk, whether its food or other household items, is a great way to save in the long run.

14. Cook in Bulk

Cooking large batches of food can help you stay motivated to eat in for more meals. It helps alleviate the need (and work it takes) to cook every night. Just be sure to eat the leftovers and not let them go to waste.

15. Coupons

Apps and websites like Ibotta, Coupons.com and retailer platforms (like Cartwheel for Target) are always offering a variety of great deals and discounts. Check them out before you head to the grocery store!

Tips to Save Money - Spend Less and Earn More

16. Shop Less

This is easier for some than others. One thing that can help is following the 30 day rule. In it’s simplest terms, the 30 day rule involves waiting 30 days before purchasing an item so that you truly know if you want the item or if it would have been just another impulse buy.

It’s helps ensure you only buy things you value, and keeps you wealthy.

17. Don’t Buy Coffee

You can make coffee at home for one year for the same price as buying coffee out a Starbucks (or local coffee shop) for one week. The math is here.

This applies to more than just coffee though. If you love and value coffee, fine, buy it. Just make sure everything you are buying has a purpose!

18. Reexamine Subscriptions

Are all of your $5/month subscriptions adding up? Are they all truly worth it?

Probably not. Consider cancelling underused ones.

Trim can help you find your unwanted subscriptions quickly and easily.

19. Use Public Transportation

Uber is cheaper than taxies, but still not cheaper than public transportation (or walking or biking).

20. Find the Right Credit Card

Using the right credit card can help you maximize your earnings (cash back, miles or points) while spending. It’s like always buying something on sale, so make sure you have the best credit card for you!

Automate Saving

21. Set Up a 401(k)

If you are working, it pays to take advantage of tax advantaged accounts such as 401(k)s. Plus, since a 401(k) automatically deducts from your income, it makes saving money easy.

Check out 7 tips to maximize your 401(k) benefits here.

22. Automate Investments

Tools like Acorns can help you invest more by rounding up every purchase to the nearest dollar and investing the difference.

Taking a lazy approach to investing is sometimes the best approach.

Earn More with Your Savings

23. Invest

Investing is one of the easiest ways to maximize your money and one of the best tips to save more money. With an average historical return of +7%, investing in ETFs and Index Funds that match the S&P 500 can help you grow your savings.

24. High yield savings account

Some online savings accounts pay over 2% interest. Well above the typical 0.01% of most checking accounts.

Make sure you have the right banking strategy to maximize your savings!

Even More Money Saving Tips:

  • 101 Epic Ways to Save Money that You Haven’t Tried from Dr. Breath Easy Finance
  • The Ultimate Guide to Save Money from Arrest Your Debt
  • Lower Your Car’s Cost of Maintenance from Just Start Investing
  • 11 Tips on How to Budget Better from Just Start Investing
  • Save Money with Geoarbitrage from Just Start Investing
  • How to Make $200 in One Day from Just Start Investing
  • HCOL vs LCOL: Choosing the Right Place to Live from Just Start Invseting

Tools to Save More Money

Check out some of the best tools that will help you save more money.

Ibotta

Ibotta is an app that lists various deals and discounts across major retailers and brands, and gives you cash back when you take advantage of these deals.

Ebates

Earn cash back while shopping online through Ebates. They offer deals on popular sites such as Amazon, Walmart, and more.

Groupon

Groupon is a popular deal site offering discounts on everything from cooking classes to rocking climbing lessons.

Paribus

Paribus is an awesome tool from Capital One that monitors purchases and if something goes on sale or drops in price after you purchase it, they fight to get you that lower price and some money back (even though you’ve already made your purchase).

Credit Card Tool

This credit card tool will analyze your spending in various categories and recommend the credit cards that will provide the most value for you based on your spending.


Tips to Save Money - Pinterest

Now that you have some tips to save more money, you can learn how to build a budget that fits your personal needs.

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