51 Fun Ways to Save Money

Tips to save money that do not force you to live like a pauper. We are here, we talked a lot about getting into the habit of spending less than you earn. You may be looking at your budget and thinking, "That's impossible!" But the fact is that even those who spend more clever can often find unanticipated ways to save.

And here's the deal: this does not have to hurt. You do not have to go without television or eat beans and rice for every meal to save money. Instead, start with just a few of these tips and tricks easily. Include more of them in your spending plan every month. Could soon be saving hundreds or thousands even-! -Of dollars per month.

Do you have questions about these tips? Feel free to continue the discussion in the comments at the bottom of this post.

Discounts, coupons and more

Earn cash back on every purchase online: Ebates is free to join and easy to use. You can earn up to a cash refund of 10% or more on each purchase online. cashback is available in diverse stores like Amazon, JC Penney, Rite Aid, and even Walmart and Kohl.

Get cash every time you shop online: Swagbucks is a free site that allows you to win gift cards every time you shop online. It's like Ebates, but you can also earn money by watching videos, surfing the net, or taking surveys.

Track your money without effort: Most of us hate the budget. I know what I do. Now there are tools available online quote that can track everything from your monthly spending their retirement accounts.

You may be surprised how much you can save when you just maintain better control over their spending. Personal Capital has a free version and upgrade options and is your favorite for tracking your finances and investment platform.

Send tracking distance and rebates. After purchasing a product at a discount, send the form that day. If possible, submit online reimbursement for easier processing. Then set a reminder on your calendar to follow up with the company if you have not received your refund within a reasonable period of time.

Try haggling. It's amazing what you can get a discount if you just press the point. Sometimes if you can not get a lower price on a service or item, you may request additional benefits for the same price. Still you are saving money!

Save your changes. That adds up to an astonishing rate. And if you rarely spend cash, you can save the virtual exchange using an application like Qoins.

Checking price. If you're buying items selling tickets, price checking is natural. However, there are some great apps that let you do this in just a few seconds for items of daily use as well. That way you can be sure to always get the best price.

Save with good management

Improve your credit score. A good credit score can save you thousands of dollars in interest primarily a home loan a car loan credit card. If you've never focused on his credit score before, the place to start is to get your free FICO score. Once you improve your credit score, you can refinance their debts to save money.

Request a reduction in the interest rate for the equity credit line. I did, and my mortgage company agreed to reduce interest rates in excess of 0.50%. That does not sound like much, but on a big loan, which can make a big difference in your monthly payment. And if you're looking for a mortgage, Quicken Loans is a great place to see the available options.

Transfer your credit card balances to 0% APR cards. Even if your credit score is not high, you may qualify for one of these credit cards 0% interest. Transferring your balances can save you a lot of money as you pay off the debt. Another option is to ask your current card company credit for a reduction in the interest rate. As with a HELOC, it does not hurt to ask!

Refinance your mortgage. If you can reduce your interest rate by 1% or more, it is often advantageous to refinance. This is especially true if you have a high rate because your credit score is not great when you took the mortgage. If your score is improved, you may qualify for a better rate. Start by asking your current mortgage lender at lower rates. Here is a table of the refinancing rate that is updated daily.

Do not pay interest on credit cards. This is obvious, but when you are unable to pay the credit card in full, the high-interest payments begin to chip away at your monthly budget. If the temptation to spend more than you can pay on a credit card is too big, get rid of the credit card (and ignore the previous tip!).

Organize to avoid missed payments. I have missed a payment or two because the bill got buried under a pile of papers. Get organized and avoid late payment penalties. Visit our choices for the top 10 money management applications.

Some even have a function to pay your bills directly from the application! If you miss a payment, call your creditor and ask that the sentence removed. They regularly support the request, at least the first time.

Budget for regular maintenance of your vehicle, home, and appliances. When you are on a tight budget, it is easy to ignore the long-term expenses like car repair and maintenance of the unit. But it is much cheaper to pay for a system of your annual tune-up of HVAC for treating major problems on the road.

Also, keeping your car in good shape is much cheaper in the long run, than deal with major repairs that could have been avoided.

Learn some DIY skills. Do things you either vegetable growing in your garden, make cookies from scratch, or do home repairs to-base can save you tons of money over time. In addition, some DIY skills can become a fun hobby or even a concert aside money.

Pay your mortgage payment every two weeks instead of every month. This allows you to make an additional payment without pain each year, which can quickly add in the form of equity in the house!
Try to avoid ATM. Or, at least, avoid other banks ATMs, which can charge you hefty fees for access to cash.

Pay your bills online. Automatic payment allows you to avoid late fees and save you money on envelopes and postage!

Consider cash purchases. You can not take that money at the grocery store, or cash only for other specific purposes. Some people find sticking to a 100% cash budget is a good way to control all expenditures.

Limit your expenses with an allowance. It's nice to spend some money on indulgences to chance. But you can prevent it from getting out of hand with an allocation system where you get a certain amount of money to spend on a weekly or monthly basis.

Keep your home organized. Sometimes you have to pay a little in advance to keep your home organized. But keeping things inappropriate places prevents you from buying more than necessary.

Automate your finances. sometimes you spend money just because it happens to be in your account. Avoid this problem by automating your savings and put a certain percentage of your salary into savings each payday.

Save Health

Ponte is healthy. Your health will indirectly have an impact on the high and low costs of life insurance. The healthiest people are likely to spend less on current health, too. And in some cases, getting healthier can reduce their health insurance premiums.

Stop smoking. Check out the estimated costs of smoking with this calculator. Need I say more?

Buy generic drugs over the counter. They are exactly the same as their branded counterparts and cost less.

Shop around for health care procedures. It is surprising how much variance there is in the cost of basic procedures such as dental cleanings and optometric appointments. Even the cost of major surgery can vary depending on wherever you go. If possible, shop around before having these procedures performed.

Save Services

Slow down your Internet service. I went to choose a slower internet service option with my cable company and saved $ 15 a month. And I have not noticed a difference when browsing the Internet. Unless you are constantly streaming video or playing games in high definition, you probably will not.

Request a discount on the trash service. For some reason, this is a very competitive and high-risk business. If you get a better offer in the mail for trash service, call your current trash company and ask them to outbid. My rubbish service has reduced its costs twice over the past six months to match competitive offers.

Never pay to check account fees. I hate bank fees. With so many plans available checking account, there is no reason to pay a fee. And if the bank happens to charge a, ask them to reverse the rate or take your business to another bank.

Get a rewards card. Many reward cards that pay cash or points that can be redeemed for travel or products. Many of these cards have no annual fee. Lately I have been traveling to my campus reunion for free using only points obtained from credit cards.

My favorite card reward is Chase Freedom unlimited. It does not have an annual fee. You can also see my information about gift credit cards on several trips.

Get rid of your home phone. This is a great way to save money. Many do not by 911, and that's understandable. But if you feel comfortable is dependent on a cell phone, there is no reason to keep a fixed-line. If you do, consider reducing your service to the minimum, and only use the phone in case of emergency.

Consider the VoIP telephony service. We use the Internet phone service and have saved substantial money on Verizon. Telephone service has been very reliable, and you would not even know that the signal was being carried over the Internet. The power of the phone is a great choice for Internet phone service. costs as little as $ 8.33 a month.

Remove some cable services. Note that I'm not recommending Get rid of cable altogether, although that is certainly a way to save money. If you must have cable, take a look at all charges on your cable bill, and consider getting rid of some of the services. Try it for a month and see if you really miss the last 500 channels.

Cancel the gym membership. This seems to contradict previous advice, but assess how much you actually use its wellness center. Less expensive options can include a gym at work or a gym at your local parks and recreation center. Some offer payment options you-go instead of monthly fees, which may be useful. Or you can save completely by working at home.

Passes extended warranty. An extended warranty two years $ 129 on a $ 300 product is just not worth it. Guarantees are safe and rarely are needed to ensure something worth that little.

Buy term life insurance. In most cases, any other insurance product life is simply not worth the extra cost. MythTV PVR considers replacing the TiVo service type MythTV just met and I'm still looking into it.

I pay $ 15 a month to my cable company for a DVR box and I like to save money. If you've used MythTV, let us know how well it works.

Use open-source software whenever possible. I use GIMP instead of Photoshop. GIMP is free; Photoshop isn’t.

Save on insurance

Make sure your insurance policies. Do not pay more insurance than you need.

Take your insurance policies around, and consider combining them. Often you can automatically save by insuring your home and car with the same insurer. But every year at the time of renewal, you should call your agent to see if you can offer a lower price. If not, it's time to shop around.

Defer your insurance coverage when you are out of town. You will be leaving the car sitting in the garage for a couple of weeks while going on vacation? Check with your insurance company about your coverage degrade at that time. You can leave your liability coverage and reduce premiums for a short time.

Pay your life insurance annually. Insurance companies that charge more if paid monthly, quarterly or semiannually. Paid once a year, and will pay less in premiums.

Car insurance paid semiannually. At the least with my car insurance, offered by the company quarterly and semiannual payment options. It costs more to pay every three months and twice a year is all the more convenient ways.

Increase insurance deductibles. Most of us do not need to be insured for all losses of more than $ 100 in our car, for example. Although we do not want to pay a $ 250 or even $ 500 deductible, we could. If that's you, find out how much would be saved by increasing your deductible.

I raised my deductible on my auto insurance and homeowners' insurance and saved a considerable amount. Just make sure you always have enough money in savings to cover the deductible!

Think twice before filing an insurance claim. My rule of thumb is that I will not make a claim in a loss that is less than twice my deductible. So for a $ 250 deductible to a loss of self, I'll pay out of pocket any loss of up to $ 500.

Why? The $ 250 that gives me my insurance company is not worth the increased premiums I am willing to pay. You may want to call your insurance agent to find out how a claim will impact your premiums before filing the complaint.

Save home

Get rid of private mortgage insurance. If the down payment on your home was less than 20%, you are probably paying private mortgage insurance (PMI) as part of your monthly mortgage payment. Once you have 20% equity in your home, however, you should contact your lender to get your PMI removed. You can build up this capital, either by paying debt or if your Valora home. If you have an FHA mortgage newest, you may need to refinance to get rid of PMI.

Convert to a gas water heater. They are more efficient and save you money in the long run, especially if electricity rates are increasing in your area. In addition, gas water heaters still can operate during a power outage!

Replace incandescent bulbs with compact fluorescent bulbs (CFL). This light bulb uses 75% energy and lasts 10 times longer. They take some getting used to, and will not work on every lamp. But where it makes sense to use them, and save energy and money.

Have a check energy efficiency in your home. Many local utility companies will do this for free. They go check out the privacy of your home and let you know where improvements can be made in saving energy (and money!)

Add extra insulation. Even without a check energy efficiency, you can probably find out if your home needs more insulation. The most likely place you need is your attic. Additional insulation can pay for itself within a year or two, and then will save money every year thereafter.

Buy energy-efficient appliances. Search energy star appliances and consider the annual energy cost before buying. more efficient appliances are more expensive, but they make up the extra cost and moreover the life of the product. You can improve the impact of this advice with super-efficient options, including induction cooktops and high-efficiency washers, too.

Change furnace filters. Keeping filters clean the oven is important to maintain the quality of the air in your home. It also saves money by keeping your system running efficiently. If you always forget to update your filters, consider having them delivered automatically by a service like FilterEasy.

Wash clothes in cold. Today detergents usually do such a good job cleaning the cooling cycle as a cycle hotter. And indeed, this could make clothes last longer.

Get a solar water heater on the roof. These are not very expensive and can pay for themselves in energy savings fairly quickly.

Replace the paper towels. You can get super cheap white towels to almost nothing in kitchen stores. In fact, many industrial kitchens do not use paper products because they would spend a fortune on them. Replacing paper towels in the kitchen and cleaning can climb.

Save on food

Prepare easy meals for only $ 5. I would have thought that this was impossible until I met Erin. She is the genius behind $ 5 Meal Plans. She has been on the Today Show and Fox & Friends showing how families can eat good healthy meals for a fraction of the cost.

Take your lunch to work one day a week more than it does now. Eating out at lunch is fun, so do not eliminate altogether. But take lunch just one day a week will keep more money in your pocket.

Drink less alcohol. It costs money and adds calories. When you want a drink, learn to mix their own drinks at home to save big.

Limit how often the grocery store. Grocery shopping less frequently usually results in savings. Try to shop once a week. If you often purchase warehouse stores, you can hit those who go once a month and then just stop for fresh produce once a week.

Buy the brand was. Many items are almost exactly the same as the brand was the brand name. You can save a fortune by sticking marks off available at your local grocery store. You could save even more with options such as Costco Kirkland brand or brands outside Aldi.

Skip the bottled water. Instead of buying a bottle of water every time you go to work, the gym, or wherever, buy a water filter and take your own water. You can save even more on making your own coffee to take along with you on the road!

Use powders or concentrates for their favorite drinks. You can make tea or juice much cheaper at home.

Cooking from scratch. If you're really busy, consider using your crockpot to cook from scratch but saves a lot of time.

Use a food stamp application. Instead of printing and clipping coupons, use an application that does the work for you. This gives stamp benefits without all the time to organize them.

Check out stores in bulk for greater savings. Many foods can be purchased in bulk for much less. For example, you can buy very cheap frozen vegetables in large quantities. Or buy your paper products in a store bulk to save.

Shopping from your pantry and freezer. It is very easy to forget about the food stored in your pantry or freezer. So before going to the grocery store and end up buying more than you already have, dig around your kitchen and make a list of what you have.

Save on Shopping

Buy your next cell phone Amazon: It may seem strange to buy a cell phone from Amazon, but they offer some of the newer phones from AT & T, T-Mobile and Verizon Wireless. Amazon offers free shipping for 2 days and low prices without the hassle of mailing reimbursement forms. Reviewing offers, visit AmazonWireless.

Buy a refurbished Mac: I've written about this before because it's a great way to buy not only computers, iPods and iPhones but well. You can check out the details on how to buy a refurbished iPhone. Just make sure you are getting the product from a reputable company.

Get your books from the library. I love books and read every day. While buying some of the books I've read, most come from the library. In short, it's hard to beat free. Amazon makes it easy to get library ebooks directly on the reader.

Stream movies for cheap or free. Take advantage of the maximum subscriptions. Instead of paying for a movie ticket, transmit one of the Amazon, Netflix or Hulu accounts. You can also stream movies on demand with Redbox, some for as little as $ 1.99. Many libraries now have movies on DVD and Blu-ray customers can check out. If you the library provides this service, sure beats paying for a movie ticket.

Subscribe to magazines or read digital copies. If you must have a certain magazine every month, subscribe. Subscriptions offer substantial savings on the cost at the kiosk. Amazon also offers some good deals on personal finance magazines and Prime members get access to some magazines the month as part of the membership.

Buy online when it saves money. Services like Amazon Prime pantry and subscribe, and Save services that could save tons of money on everyday items. There are plenty of other new services available, too, including the box, where you can buy online in bulk. In addition, there are plenty of great websites to buy clothes, toys, gifts, and more online at a great discount.

Go thrifting. thrift store purchase does not have to look used but will be much cheaper. Stores like Goodwill stores and local savings are great for finding clothing, adult clothing, home decor, and household products such as dishes and cutlery.

Use the coupon look-ins. If you are a frequent online shopper, you can save a fortune with coupons research extensions for your browser. Extensions automatically treated as honey coupons until the biggest savings are possible before departure online.

Shop outlet stores. Rather than return to school or Christmas shopping in typical retail stores, shopping in their local outlets. You can get the same look for less.

Use the rule of 24 hours. Before making any impulsive purchase, you get to wait at least one day. You will probably find that at the end of that waiting period, you do not want the item anymore.

Save on gifts

According to limit gifts. At Christmas, we tend to go overboard when it comes to gift-giving. To cut back, we agreed in advance with the extended family on the limits gift, it really helps save money for everyone.

Staying ahead for the holidays. If you have to pay for Christmas gifts on a credit card, you are much more likely to overspend. Start saving early, and then commit to spending only what they have reserved.

Buy gifts throughout the year. You can often get good gifts for next Christmas right in the first part of the year. Buy throughout the year can help you feel less pressure during the holiday season and you can save a fortune.

Save on Transportation

Get tires or another wholesale club Costco. In short, they cost much less than buying them at the dealership or tire store chain.

Keep tires properly inflated. It keeps you safe and means your car is more fuel-efficient. Make a habit of checking the air in your tires on a weekly basis.
Drive your car longer. Buying a new debate among uses often overlooked factors the most important form of time to owning your car. Drive it as long as you can safely substantial savings.

Buy your car online. Search the Internet for information about the car you want, and then send email requests to dealers for the best price. Even if the dealer is in another state, the cost of having the car delivered may still be worthwhile. I paid $ 500 to have a Honda Odyssey sent 500 miles and save $ 1,000 on the best price available locally.

Biking when you can. If you live near your workplace or other places you frequent, consider investing in a bicycle. Riding, even some of the time you can save a lot of money on transportation.

Learn to drive a manual transmission car. They tend to have lower maintenance costs and use less gas.

Use cruise control. Cruise control helps reduce wear and tear on your car and can increase fuel efficiency.

Consider fuel efficiency with the purchase of a new car. This is especially true if you put a lot of miles on your car, or if you are inconsistent and go traffic stop. Storing a mile per gallon or more may go up!

Save on Investment

Learn about investing.
Another creative way to save money by investing. The more you know about investing, the better decisions you will make. This means you could make more investments and save money on fees.

Investment funds buy cost low.
This is easy to overlook because the money does not come out of your pocket every month. But keep an eye on the cost of the investment funds in your 401 (k) and other investments. My rule of thumb is that no funds should cost more than 1%. And the combined cost of all funds should be less than 0.50%.

Parties take advantage of 401 (k) of the employer. 
If your employer matches 401 (k), do everything possible to get the most out of that game. Otherwise, you're leaving free money on the table!

Use flexible spending accounts. 
FSA allows you to pay certain medical, dental and child care expenses using pre-tax dollars. If you are not taking advantage of these accounts, you're wasting money. Check with your human resources department about enrolling in an FSA during the open enrollment period of your employer.

Use a health savings account. 
If you have a health plan with a high deductible qualify, you can save even more with an HSA. These accounts aside pretax dollars for health-related expenses. Find more information here.

Bonus Tip: Start tracking your investments. It's easy to do with a financial dashboard free online offered by Personal Capital. I've used it for years, and it even comes with a free retirement calculator checkup recently added. 

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