The best way to achieve financial success is to develop good money habits. There are many different ways to save money and the following 200 tips provide a variety of helpful advice on how to live frugally.

1. Evaluate your expenses and make changes where necessary.

If you add up all of your monthly expenses, do they exceed your income? If so, then you need to make some changes. The first step is often the hardest one – acknowledging that you’re living beyond your means and making a conscious effort to reduce expenses is critical if you want to get out of debt and start saving money.

2. Create or join a budgeting group with friends or family members.

When it comes to budgeting, it can be helpful to have someone to encourage you and keep you accountable. Group budgeting also allows for friendly competition and camaraderie as everyone works together to save money.

3. Make a list of your regular expenses and track your spending patterns.

If you want to start saving money, you need to know where your money is going. Track your spending for at least a month so that you have a realistic picture of where your money is currently being spent.

4. Review your credit report and credit score.

Your credit score is one of the most important numbers when it comes to your finances. A high credit score can help you qualify for a mortgage or car loan at a lower interest rate, and it can also help you get approved for other types of credit. Review your credit report regularly to make sure there are no errors and that all of your information is up-to-date.

5. Pay off high-interest debt as quickly as possible.

When you’re carrying a lot of high-interest debt, it can be difficult to make any progress on saving money. Make it a priority to pay off as much debt as possible so that you can start saving money instead of paying interest.

6. Make a list of financial goals and create a plan to achieve them.

Saving money is much easier when you have specific goals in mind. Create a list of short-term and long-term goals, and then make a plan for how you can achieve them.

7. Automate your finances so that you’re automatically saving money each month.

If you find it difficult to save money, consider automating your finances so that you’re automatically transferring a set amount of money into your savings account or retirement fund each month. This takes the effort out of saving money, and over time it can really add up.

8. Evaluate your insurance coverage and make changes where necessary.

Are you paying for insurance coverage that you don’t need? If so, it might be a good idea to cancel the unnecessary items and switch to a lower-cost plan.

9. Shop around for better insurance rates or discounts.

You might have potential discounts available if you have a home or car that is less than five years old, you’ve been accident-free for six months or more, your credit score is high enough, etc. Be sure to shop around regularly so that you can find the best deals on your insurance coverage.

10. Invest in automated investment services such as Betterment or Wealthfront.

If you want to take advantage of compounding interest but aren’t able (or willing) to invest in individual stocks and bonds, then you should consider using an automated investment service. These services allow you to invest small amounts of money on a regular basis, and they do all of the hard work for you.

11. Pay your bills on time so that you can avoid late fees and penalties.

One of the easiest ways to save money is to simply pay your bills on time. Late fees and penalties can quickly add up, so it’s always best to be as organized as possible and make sure all of your payments are made on time.

12. Negotiate a lower interest rate on your credit cards.

If you have a high credit card balance, it might be worth negotiating for a lower interest. Call your credit card company and ask if they would be willing to lower your interest rate, and you might even consider asking for a 0% APR balance transfer card to help you save money on interest.

13. Avoid using credit cards unless absolutely necessary — plan ahead and pay cash instead.

If you want to start saving money, it’s important that you avoid using credit as much as possible. Only use a credit card when it’s absolutely necessary, such as when making big purchases or renting cars. Paying with cash is always best if your goal is to save money.

14. Keep an eye out for retail store sales and discounts before making large purchases.

Before buying anything expensive (such as a new TV), make sure you do research beforehand so that you can get the best deal possible. Retail store sales and discounts happen all of the time, so take advantage of them when you can.

15. Avoid impulse purchases — don’t shop if you’re feeling emotional.

If your goal is to start saving money, avoid shopping at all costs unless it’s a necessary purchase or a planned event (like a birthday). It’s too easy to think that “just this once” won’t hurt anything when you’re in the middle of an emotional shopping spree, but those types of purchases add up very quickly and can do serious harm to your budget.

16. Keep an eye out for coupons and discounted gift cards before making large online purchases such as electronics or home goods.

Most people don’t realize how much money they can save by using coupons and discounted gift cards when shopping online. For example, if you have a 20% off coupon you might be able to get an expensive TV for only $400 instead of the original $500.

17. Sell unwanted items in your home to make extra cash.

The average person has over $1,000 worth of unused items in their home at any given time (from clothing to electronics), so why not sell some of your unnecessary items in order to make some extra cash? You might even consider selling bigger ticket items like furniture or appliances if you think it will be easy enough to find buyers. Just remember that if you’re planning on selling something big, it’s usually best to take measurements beforehand so that you can list it accurately online.

18. Make a budget and stick to it!

The best way to start saving money is to make a budget and stick to it! This means planning out your expenses in advance and making sure that you’re always aware of where your money is going. It might be helpful to use a budgeting app or spreadsheet to help you stay organized.

19. Automate your finances so that you don’t have to worry about remembering to pay bills or transfer money from one account to another.

One of the best ways to ensure that you’re always on top of your finances is to automate everything as much as possible. This means setting up automatic bill payments, transferring money between accounts, and even investing in your retirement. You might even consider opening up a high-interest savings account in order to start saving for the future in case something unexpected happens.

20. Set up an emergency fund if you don’t already have one, and make sure that at least 6 months’ worth of your expenses is saved in it.

An emergency fund is basically just a fancy way of saying that you should save money just in case something unexpected happens (like losing your job or having to pay for car repairs). Most experts recommend setting aside at least six months’ worth of your regular monthly expenses, but if you can afford to save more than that then go for it! And don’t forget to keep this money separate from the rest of your so that you can access it quickly if needed.

21. Plan out your meals for the week in advance so that you’re not tempted to order takeout or eat out at restaurants.

If you’re trying to save money, one of the best things you can do is start planning out your meals for the week in advance. This way, you’ll know exactly what you’re going to cook and you won’t be tempted to order takeout or eat out at restaurants. Not only will this help you save money, but it will also help you stay healthy by cooking homemade meals instead of eating unhealthy fast food.

22. Make a list of all of your monthly expenses and review it regularly to make sure that you’re not overspending in any category.

One way to stay on top of your finances is to make a list of all of your monthly expenses and review it regularly. This way, you’ll be able to see where you’re overspending and you can work on reducing your expenses in certain categories. It’s also a good idea to keep track of your income so that you have a better idea of how much money you have to work with each month.

23. Compare prices before making any large purchases, even if you know the store you’re buying from is reputable.

It’s always a good idea to compare prices before making any large purchases, no matter what store you’re buying from. This is especially important when shopping online since it’s easy to find deals and discounts on items that you might not find in a physical store.

24. Avoid making unnecessary purchases just to take advantage of great deals, and never impulse buy.

If you’re going out shopping but don’t have a specific purpose for doing so, make sure to avoid making unnecessary purchases just to take advantage of any great deals that you come across. This will help prevent you from spending money on things that you don’t actually need. And finally, if you ever catch yourself impulse buying then try your best to stop! Impulse buys are an easy way to overspend without even realizing it.

25. Always comparison shop before agreeing to a repair or service job, especially when it comes to car repairs and home services like plumbing and electrical work.

Just like you should compare prices before making any large purchases, you should also always compare shop before agreeing to a repair or service job. This is especially important when it comes to car repairs and home services since the prices can vary a lot from one company to the next. By shopping around for the best deal, you’ll be able to save yourself a lot of money in the long run.

26. Make a budget and stick to it as closely as possible.

One of the best ways to get your finances under control is to make a budget and stick to it as closely as possible. This means knowing how much money you have coming in each month and then dividing that up between all of your expenses (including things like rent, groceries, and utilities). If you find that you’re constantly overspending in certain categories, then try to find ways to reduce those expenses.

27. Invest money wisely so that it can grow over time.

If you’re able to save up some extra money, one of the best things you can do is invest it wisely so that it can grow over time. This means looking for investment options that have a low risk but also offer a good return on investment. And don’t forget to consult with an expert before making any major investments!

28. Sell items you no longer need online or at a garage sale to make some extra cash.

One of the easiest ways to make some extra cash is by selling items you no longer need online or at a garage sale. This can be anything from clothes and furniture to electronics and appliances. Just make sure to price things fairly so that you can actually make some money off of them!

29. Have an emergency fund saved up in case of unexpected expenses.

One of the best ways to protect yourself against unexpected expenses is to have an emergency fund saved up. This means setting aside a certain amount of money each month that you can use in case of a financial emergency. This will help keep you from having to rack up debt or take out a loan in order to cover unexpected costs.

30. Live below your means so that you can save money each month.

If you want to get your finances under control, one of the best things you can do is live below your means. This means spending only the amount of money that you actually make while also setting some aside for savings. By doing this, you’ll be able to save a lot more money each month while putting yourself in a better position financially.

31. Always look for free activities to enjoy on the weekend.

If you’re looking for some fun things to do on the weekends, spend some time doing free activities like walking in a park or hiking up a mountain trail. You can also just go downtown and explore new areas that you haven’t been to before or check out the latest art exhibits at your local museum!

32. Never pay full price for anything if you can avoid it.

One of the best ways to save money each month is by never paying full price for anything if you can help it. This means learning various ways of saving money whenever possible, such as using coupons, shopping at thrift stores, taking advantage of loyalty programs , and more — all while keeping an eye out for sales and discounts.

33. Make your own meals at home instead of eating out.

One of the best ways to save money is by making your own meals at home instead of eating out. This can not only save you a lot of money in the long run, but it can also be a lot healthier since you’ll have more control over what goes into your food. Plus, it’s a great way to experiment with new recipes!

34. Compare prices online before buying anything.

If you’re looking to buy something new, make sure to compare prices online before making a purchase. This will help ensure that you’re getting the best deal possible, which can save you a lot of money in the long run. And if you see something that’s on sale, make sure to stock up!

35. Learn how to cook your own meals.

It can be a good idea to learn how to cook your own meals because it can save you a lot of money in the long run. This is because cooking at home allows you to control what goes into your food — which means no additives or preservatives that are commonly found in pre-made food products. And cooking with high-quality ingredients is often healthier than taking an additive-laden alternative route.

36. Start paying cash for everything instead of using plastic (credit cards).

One of the best ways to get better control over your money is by starting to pay cash for everything instead of using plastic (credit cards). Not only is this a good way to start saving money, but it can also help you avoid racking up debt as well as paying unnecessary interest fees.

37. Always use the library instead of buying books.

Another great way to save money is by always using the library instead of buying books. This will not only help you lower your expenses on a monthly basis, but it will also give you access to a wide variety of titles that you might have otherwise missed out on! Plus, it’s a great way to connect with your community and contribute back 🙂

38. Shop at consignment shops for better deals on used clothing and other items.

One of the easiest ways to save some cash on clothes and other items is by shopping at consignment shops. This is because these types of stores typically offer better deals than traditional retailers, and you can often find some really unique pieces that you wouldn’t be able to find elsewhere.

39. Try to negotiate a lower price for services before paying.

If you’re in need of a service that’s not too expensive, try negotiating a lower price before actually paying for the service. This can work especially well if you have a relationship with the service provider, and it might just save you some money in the long run!

40. Make a budget and stick to it.

One of the best ways to get your finances in order is by creating and sticking to it. This will help ensure that you’re making a plan for your money, and it can also help you see where your money is going.

41. Try to avoid credit card debt as much as possible.

One of the best ways to improve your financial situation is by trying to avoid credit cards as much as possible or at least not falling into the trap of carrying a balance from one month to the next — which can lead to racking up lots of unnecessary interest fees if you’re not careful!

42. Make a list before grocery shopping so you don’t forget anything.

Another great way to save money on groceries is by making a list before heading out the door so you don’t forget anything. This will help ensure that you stay focused on what’s most important (which is saving money, in this case), and you won’t end up buying things that aren’t necessarily on your list.

43. Always ask for a discount when grocery shopping at the supermarket.

Another good way to save some serious cash on groceries is by always asking for a discount when shopping at the supermarket — especially if you’re making multiple purchases! Even if they don’t budge initially, it never hurts to ask for more savings since these stores are all about customer satisfaction 😉

44. Keep track of what you spend your money on every day.

One of the most effective ways to manage your finances better is by keeping track of what you spend your money on every day. This will help give you more clarity over where your hard-earned dollars are going, and it might just shine a positive light on your financial situation!

45. Shop at consignment stores to find better deals on used items.

One of the most effective ways to manage your finances better is by keeping track of what you spend your money on every day. This will help give you more clarity over where your hard-earned dollars are going, and it might just shine a positive light on your financial situation!

Another great way to improve your finances is by shopping at consignment shops — since these types of stores offer some really good deals that you’re not likely to find elsewhere. Plus, they typically have a wide variety of different products that you might actually discover something for yourself or the kids!

46. Keep track of all the pennies you’ve saved in a jar or other container.

One of the best ways to save more money is by keeping track of all the pennies you’ve saved. This can help motivate you to keep up with your savings goals since 5, 10 or 20 cents a day can really add up over time, and it only takes a little effort to save something.

47. Make your own gifts instead of buying them.

Rather than going out and spending money on store-bought gifts, why not make your own this year? In fact, it’s easy enough to incorporate some personal touches into store-bought items that people will feel like you truly went the extra mile for them — which they’ll definitely appreciate!

48. Find free entertainment options in your city so you don’t spend money unnecessarily.

One of the best ways to improve your finances is to find free and/or affordable entertainment options in your city so you don’t have to spend money when you go out. This can include things like checking out the local library, going for a walk in the park, or attending free community events.

49. Compare prices before making a purchase to make sure you’re getting the best deal.

One of the smartest things you can do when shopping is to compare prices before making a purchase so you’re sure that you’re getting the best deal possible. Not only does this help you save money at the moment, but it might also prevent you from buying something that’s overpriced!

50. Create a financial plan and track your progress over time.

Last but not least, one of the best things you can do for your finances is to create a financial plan and track yours over time. This will give you more clarity over where your money is going, where you need to make changes, and how you’re progressing towards your overall financial goals.

51. Try to schedule your shopping so you have more time.

One of the best ways to prevent yourself from overspending is by scheduling your shopping so you have more time to really think about what you want and need rather than impulsively buying things that aren’t necessarily a priority for you or your family.

52. Know how much money is in your checking account at all times.

Another great way to manage your finances better is by knowing exactly how much money is in your checking account at all times — especially as the holidays approach! This will help make sure that, as far as cash goes, you always have enough on hand for last-minute gifts and other holiday expenses without dipping into savings too much which could be dangerous).

53. Pay off your debts as quickly as possible.

One of the smartest things you can do for your finances is to pay off your debts as quickly as possible. Not only does this help improve your credit score, but it also frees up more cash each month that you can use for other important financial goals or just general savings.

54. Try to live below your means so you can save more money in the long run.

One of the smartest things you can do when trying to improve your finances is to try and live below your means so you can save more money in the long run. This might require some changes on your part, but it’ll be worth it in the end since you’ll have a larger cushion to fall back on in case anything unexpected happens!

55. Buy a coffee maker and bring your own coffee to work every day.

One of the easiest ways to save money is by buying a coffee maker and bringing your own coffee to work instead of going out for it each morning. This can be less expensive than what you’d pay at a local café or fast food place, and over time, all those savings could really add up!    

56. Open up a savings account for your children.

A great way to prepare financially for the future is by opening up a savings account for your children, even if they’re still babies! You can start with small amounts of cash (like $1 every time you change their diapers), and work your way up as they get older so by the time they’re old enough to go to college or enter the workforce, there’s money waiting for them right away!

57. Try not shopping or spending money on anything unnecessary for an entire month.

Another quick/easy way to save money is by trying not shopping or spending on unnecessary things at all for an entire month — making it an “anti-spend fast”! This can be tough to do at first, but spending more time thinking about what you’re buying and how it aligns with your financial goals can really help cut back on impulse purchases and make saving much easier!

58. Remember that every penny counts; don’t throw away change!

One of the best ways to save money is by remembering that every penny counts and not tossing out your loose change like it’s nothing. Instead, keep a jar (or another container) near where you keep the rest of your cash and put all those extra little coins in there as they come rolling in so you can afford to splurge on something nice now and then without going too far over budget.

59. Cut out one hour-long TV show per day (and replace it with an activity that saves you money).

An easy way to save money is by cutting out one hour-long TV show per day and replacing it with an activity that either saves you money or helps you make more of it. For example, maybe instead of watching your favorite sitcom, you could spend that time learning how to cook inexpensive but delicious meals or researching the best deals on things you need for your home.

60. Refinance your mortgage if interest rates have gone down since you took out your loan.

One thing to consider if you’re looking to improve your finances is refinancing your mortgage if interest rates have gone down since you first got your loan. This could potentially help reduce your monthly payments, freeing up more cash that you can use to pay other bills or just help save for the future.

61. Develop a budget and stick to it!

One of the best ways to improve your finances is by developing a budget and sticking to it. This includes checking in on how much money you have, looking at where it all went, and figuring out how much more (or less) you want/need to spend each month moving forward so that you don’t end up overspending (and can continue saving for bigger goals like buying a home).

62. Find old things around your house that you no longer use or need; sell them on Craigslist or another site for extra cash!

Another way to save money quickly is by finding old things around your house that you no longer use or need and selling them on Craigslist or another similar site for extra cash. This can be a great way to have some money set aside for an upcoming purchase, fund an emergency savings account, or even just take a much-needed vacation!

63. Get rid of cable TV completely (and watch your favorite shows online instead).

Instead of paying for cable TV, consider getting rid of it completely and either replacing it with free channels over the air, watching your shows online instead (or through other streaming services), or subscribing to Netflix/Hulu/Amazon Prime, etc. The more you opt to spend on entertainment each month outside of what comes standard in your bill, the less you’ll have leftover to pay off debt or save for the future.

64. Invest money in a high yield savings account or CD.

One of the best ways to make your money work for you is by investing it in a high yield savings account or CD (certificate of deposit). Doing this will help you earn more interest on your deposited funds, which can really add up over time and help you reach your financial goals faster.

65. Find cheaper ways to do things you currently pay for regularly (like getting your haircut, car repairs, etc.).

One way to save money month after month is by finding cheaper ways to do things you currently pay for on a regular basis. For example, maybe you can get your haircut at a cheaper salon, take your car in for repairs at a different auto shop, or have your groceries delivered instead of going out to pick them up.

66. Quit smoking.

Quitting smoking can help you save a lot of money in the years ahead, especially if you’re able to avoid picking up another expensive habit when you do so!

67. Start using coupons and cashback apps.

One simple way to start saving more money is by using coupons and cash-back or savings apps that give you rebates on specific items when you go shopping. For example, maybe there’s a certain kind of shampoo at your local drugstore that’s always on sale; if you use the right coupon and make sure to buy it through one of these apps (or websites), then you can save a lot of money.

68. Only make purchases with cash or use the cashback credit cards to keep yourself accountable for every dollar you spend.

Another way that many people are able to cut down on their spending is by only making purchases with cash or using cash-back credit cards, which keeps them accountable for every dollar they spend. If you have trouble keeping track of how much you’re spending, then this can be a great method for keeping yourself in check!

69. Start your own side hustle!

If you have the time and willingness, one of the best ways to bring in extra money or save more over time is by starting your own side hustle. This could be done on top of another job if you have one, or by devoting a set number of hours each week to a project or hobby that you’re passionate about and can make money from.

70. Cook at home more often (and avoid eating out as much).

One of the best ways to save money each month is by cooking at home more often and avoiding eating out as much. Not only will this help you save money on your food budget, but it’s also a great way to get in the habit of making healthier meals for yourself!

71. Automate your finances so that you’re automatically transferring a fixed amount of money into savings or investment accounts each month.

One final way to help you save money each month is by automating your finances, which will help you to transfer a fixed amount of money into savings or investment accounts each month without having to think about it. This can be a great way to make sure that you’re always putting away at least a little bit of money for your future, without having to worry about it!

72. Sell items you no longer want or need on sites like Amazon or eBay.

Another great way to bring in some extra cash is by selling items that you no longer want or need on sites like Amazon, Craigslist, or eBay (or even in classified ads if you’d prefer). Depending on what kind of things you’re willing to sell, this can be a great way to make quick money in your spare time!

73. Use less energy at home (turn off lights when not in use, lower the temperature when you leave the house, etc.).

One easy change to help cut down on how much money you spend each month is by using less energy at home. You can do so by turning off lights when you’re not using them, by lowering the temperature on your thermostat when you leave home, and so on. This can help lower your electricity costs, which will have a big impact over time.

74. Don’t use paper towels to clean up messes around the house – just use cloth hand towels or washcloths instead!

Using cloth hand towels or washcloths instead of paper towels is a simple change that can save you a ton of money each month in the long run because you won’t need to keep buying more paper towels (or toilet paper, napkins, etc.). If you take good care of them and make sure to hang them by hooks where they’re easy to grab but also dry quickly after washing, then these kinds of clothes can be a great way to save some money on your cleaning supplies!

75. Avoid buying bottled water – drink tap water (or filtered tap water) instead.

A final way to help reduce your spending is by avoiding buying bottled water and instead of drinking tap water (or filtered tap water). This can not only save you a lot of money over time, but it’s also better for the environment since it eliminates the need for all those plastic bottles!

76. Live below your means.

One of the best ways to save money each month (and overtime) is by living below your means. This means that you should always be conscious of how much money you’re spending and avoid going into debt whenever possible. If you can stick to this philosophy, then you’ll be well on your way to a more financially secure future!

77. Get your car(s) regularly serviced at a trusted mechanic.

In addition to saving money each month, another great way to save is by getting your car or other vehicles regularly serviced by a trusted mechanic. While it might seem like a hassle to take your car in every few months for maintenance and repairs, this can actually help extend the life of your vehicle – which means you won’t have to buy a new one as often!

78. Shop around for better deals on insurance plans during open enrollment periods.

Another great way to make sure that you’re spending less without putting much effort into it is by shopping around for better prices on your insurance plans during open enrollment periods (which may be once per year). This can lead to significant savings, which you can then put into an investment or savings account – and if you do that throughout the year, you’ll be surprised at just how much extra money ends up in your account by the end of it!

79. Don’t shop hungry.

You’ve probably heard this one before, but another good way to save some extra cash each month is by not shopping while hungry! Shopping when we’re hungry often leads us to make impulse purchases we don’t actually need (or even want), and it can also lead us to buy larger quantities than we should… so next time you go food shopping, try eating a snack before heading out and see how much money you end up saving over time as a result!

80. Make a list before going food shopping and stick to it.

Another simple way to save a bit of money here and there is by making a list beforehand when you go food shopping, and then sticking to it! This can keep you from spending more than necessary on things that aren’t at the top of your list, which again will add up over time if you stick with this strategy.

81. Hold a garage sale once in a while.

If you have some items around your house that you no longer use or have extra supplies that you don’t need, then one thing that’s often worth considering is holding a garage sale. You might think that selling your belongings for pennies on the dollar sounds like a bad deal – but when you think about the fact that you’ll be reducing your clutter and freeing up space in your home as a result, it can actually end up being worth much more than you initially think!

82. Before buying something, ask yourself: “Do I really need this?”

Finally, one of the simplest ways to save money each month is by making sure that you’re only purchasing things that you truly need. For example, before going food shopping, make sure to ask yourself whether or not you already have enough of whatever groceries or other items are on your list – if not, then go ahead and buy them; but if so, wait until next time. You’ll be surprised at how much money this kind of strategy saves over time (and also frees up for other uses as well)!

83. Live within your means.

This is an important one that ties in with Tip #76 – by living within your means, you can ensure that you’re not spending more money than you have, which will help you avoid getting into debt. This doesn’t mean that you have to live a Spartan lifestyle or deprive yourself of things that make you happy; it just means being mindful and intentional about how much money you’re spending each month.

84. Purge your belongings occasionally.

Another way to free up some extra space (and get rid of some clutter) in your home is by purging your belongings every once in a while. This could mean going through your clothes and getting rid of anything that doesn’t fit, getting rid of any duplicates you may have, or getting rid of any other items that you don’t use or need. Not only will this help you save money on storage costs, but it’ll also make your home look and feel a lot cleaner and more organized!

85. Compare prices before buying anything.

Whenever you’re considering buying something, always take the time to compare prices between different retailers. This can help ensure that you’re getting the best possible deal for whatever it is that you’re buying, and can end up saving you quite a bit of money in the long run.

86. Get creative with your meals.

One great way to save money on groceries each month is by getting creative with your meals – this could mean coming up with new recipes, using leftovers, or just being intentional about how you’re combining different ingredients. Not only will this help save you money, but it’ll also make your meals more interesting and diverse!

87. Use cash instead of a debit or credit card.

When you use a debit or credit card to make purchases, it’s all too easy to spend more than you actually have in your bank account – and this can lead to some serious financial trouble down the road. To avoid this, try using cash for all of your purchases instead; this will help keep you from overspending, and will also force you to be more mindful about each and every purchase that you make.

88. Get a side hustle.

If you’re looking for a way to make some extra money each month, one option is to get a side hustle. This could mean doing freelance work, becoming a pet or house sitter, or taking on any other short-term jobs that can help bring in a little bit of extra cash. Not only will this help you cover any expenses that you may have, but it’ll also help you save money in the long run!

89. Invest in yourself.

One of the best things that you can do for your finances is to invest in yourself – this could mean taking courses or tutorials related to personal finance, learning how to cook and/or how to do basic repairs around the house or anything else that can help you improve your education or capabilities. By investing in yourself, you’ll increase your value to others and be able to make more money – and that’s a surefire way to benefit both your career and your wallet!

90. Ditch the convenience foods and cook from scratch instead.

If you’re trying to save money on groceries each month, another great tip is to ditch any convenience foods that you may be buying (eg. pre-cut fruits & veggies) and simply cook everything from scratch instead. Not only will this help you save money (just compare the price difference between a bag of pre-cut vegetables vs. the price of the same amount of veggies when bought whole), but it’ll also give your meals a lot more flavor as well!

91. Avoid buying in bulk (unless you really need to.)

One of the easiest ways to waste money is by purchasing items in bulk; because while it’s great in theory, most people end up buying these items and then letting them go to waste before they can actually be used. To avoid this, try thinking twice before making any large purchases (especially if you’re not confident that it’ll be worth it), or simply stick to purchasing smaller amounts of items at a time. This will help save you money without requiring too much effort on your part!  

92. Try a no-spend month.

If you’re looking for a way to really focus on your spending and save some money, consider trying a no-spend month. This could mean avoiding any and all unnecessary purchases (including groceries, dining out, and entertainment), or it could simply mean being more mindful about how you’re spending your money each day. Either way, it’ll be a great way to see where you can cut back and save some extra cash!

93. Cancel any unused subscriptions or memberships.

Another great way to save money each month is by canceling any unused subscriptions or memberships that you may have – this could include anything from cable TV to gym memberships to magazine subscriptions. Not only will this help you save money, but it’ll also help declutter your life and make it a little bit easier to keep track of your expenses.

94. Compare prices before making any purchases.

One of the best ways to save money on items that you need (or want) is by comparison shopping; this means taking the time to compare prices between different stores before making your purchase. By doing this, you’ll not only be able to find the best deal possible, but you’ll also be less likely to overspend on unnecessary items.

95. Cut back on drinking.

If one of your biggest expenses each month is alcohol, then cutting back on drinking could be great to save some money. This doesn’t mean that you need to stop drinking altogether, but it may mean that you simply need to cut back on how much alcohol you drink each week (especially if the majority of your drinks are alcoholic). By cutting back and spending less on alcohol each month, you’ll be able to save a lot more money.

96. Shop online for clothes and other items.

While shopping in-store is great, another tip for saving money is by checking out what’s available online instead – even better if this means buying secondhand or vintage clothing! Not only will this help you save money, but since most stores offer free shipping these days, it’s often just as cheap as buying something in person – so why not advantage of it?

97. Use cash-back websites and apps.

If you’re looking for a way to save money on your everyday purchases, then using cash-back websites or apps is a great way to do it. This means that for every purchase that you make, you’ll get a percentage of your money back (usually in the form of a rebate check or statement credit). By using these types of services, you can easily save money on everything from groceries to clothing to home goods.

98. Make your own beauty products.

Another great way to save money is by making your own beauty products instead of buying them from the store – this could include anything from face masks to hair treatments to shaving cream. Not only will this help you save money in the long run, but it’ll also allow you to customize your beauty products to better suit your needs.

99. Brown-bag your lunch instead of dining out.

If one of your biggest expenses each month is dining out, then try brown-bagging your lunch instead. This could mean packing a simple sandwich or leftovers from dinner, or it could mean bringing in a more elaborate meal from home. Either way, you’ll be saving money (and likely eating healthier too).

100. Use coupons and promo codes when shopping online.

Finally, another great way to save money when shopping online is by using coupons and promo codes. This could involve signing up for email newsletters from your favorite stores, or simply visiting websites like RetailMeNot to find the most recent printable coupons and promo codes. By doing this, you’ll be able to easily save money on purchases with little effort – plus it’s always fun!

101. Get a side job.

If you’re looking for an extra way to save money each month, then getting a side hustle could be a great option. This means finding a way to make some extra money on the side by doing something that you love or are good at. This could include anything from freelancing to dog walking to baby-sitting. By having a side hustle, you’ll be able to easily save more money each month and reach your financial goals faster.

102. Start a budget and stick to it.

Finally, the best way to save money is by creating and following a budget. This means knowing exactly how much money you have coming in each month and then dividing it up between necessary expenses, savings goals, and fun activities. By having a budget and sticking to it, you’ll be able to easily save money each month without having to try too hard.

103. Join a money-saving challenge.

If you’re looking for an extra push to help you save money each month, then joining a money-saving challenge could be a great option. This means signing up for a challenge where you and/or your friends or family pledge to save a certain amount of money over a certain period of time. Not only will this help you stay accountable, but it’ll also be fun to see how much money you can save in the end!

104. Set up automatic transfers to your savings account.

Another great way to save money is by setting up automatic transfers between your checking account and your savings account(s). This means having a certain amount of money automatically transferred each month (or biweekly or weekly) to make sure that it goes into the right place – especially since most people never look at their savings accounts! By doing this, you’ll be able to easily save more money without even trying.

105. Don’t swipe your rewards cards unless you’re saving big on an item.

Finally, another tip for saving money is by not swiping your rewards card on every purchase unless there’s actually something significant that you’re getting in return for it – otherwise, why even bother? This could mean waiting until you have a big purchase to make or saving up your rewards points until you have enough to get a bigger discount. Either way, it’s important to only use your rewards cards when they’ll actually save you money.

106. Consolidate your debt.

If you’re looking for a way to save money each month and get your finances in order, then consolidating your debt could be a great option. This means combining all of your outstanding debts into one loan with a lower interest rate. By doing this, you’ll be able to save money on interest payments and get out of debt faster.

107. Review your expenses regularly.

Finally, another great way to save money is by reviewing your expenses regularly. This means going through all of your monthly bills and statements to make sure that you’re only paying for what you need and nothing more. By doing this, you’ll be able to easily find ways to cut back on unnecessary expenses each month – and saving money will become a lot easier.

108. Live in a rural area.

If you’re looking for an easy way to save money each month, then living in a rural area could be the perfect option for you. This means moving away from all of the major shopping malls and city life so that you can pay less for housing and transportation while still being close enough to civilization to get what you need. Not only will this help you save more money, but it’ll also free up your schedule since there won’t always be things vying for your attention all around town. Plus, there’s even time to catch up on some much-needed relaxation when everything calms down!

109. Make one big purchase each year instead of several small ones.

Another great tip is by making one big purchase each year instead of several small ones. This could mean buying a new TV, furniture, or appliance once a year instead of every month. By doing this, you’ll be able to save more money in the long run since you’ll be spending less on individual items. Plus, it’s a lot less stressful than having to constantly worry about what you need to buy next!

110. Try price matching.

If you’re looking for a way to get the best deals on the items that you need, then trying price matching could be a great option for you. This means taking the time to compare prices between different stores in order to find the one that has the lowest price. Not only will this help you save money, but it’ll also save you a lot of time by having one place that has everything that you’re looking for.

111. Pay attention to the prices when grocery shopping.

Another great way to save money while grocery shopping is by paying attention to the prices of each item. This means going through all of the aisles so you know which items have good deals and which ones are overpriced. By doing this, you’ll be able to find better deals without wasting your time going down every aisle just in case there’s something good hiding there – instead, just stick to the essentials! Not only will this help you get out of the store faster, but it’ll also help you save more money since groceries add up quickly if you’re not careful.

112. Make your own cleaning supplies.

One of the best ways to save money on household expenses is by making your own cleaning supplies. This means combining everyday items like vinegar, baking soda, and lemon juice to create your own powerful cleaning solutions. Not only will this help you save money in the long run, but it’ll also help you avoid dangerous chemicals that can be found in many store-bought cleaners. Plus, it’s a lot less work than you might think! All you need to do is mix a few ingredients together and put them in a spray bottle – easy as that!

113. Plan your meals in advance.

If you’re looking for a way to save money on groceries each month, then planning your meals in advance is a great option. This means taking the time to plan out your meals for the week so you know exactly what you’ll be cooking each night. By doing this, you’ll avoid last-minute trips to the grocery store since you won’t need any additional ingredients, and it’s also a lot cheaper than ordering takeout every day!

114. Keep your appliances unplugged unless they’re needed.

Another great way to save electricity is by keeping all of your appliances unplugged whenever possible. This simply means finding ways around using certain appliances like lamps or television sets when they’re not necessary – instead of either turning them off or plugging them into a power strip that can be turned off completely with just the flip of a switch. Not only will this help you save money on your monthly electricity bill, but it’ll also help reduce your carbon footprint!

115. Join a warehouse club.

If you’re looking for a way to save money on groceries and household supplies, then joining a warehouse club could be the perfect solution for you. This means paying a membership fee in order to have access to discounted prices on items like food, clothing, toiletries, and more. By doing this, you’ll be able to save a lot of money each month without having to sacrifice quality or quantity. Plus, it’s a great way to stock up on items that you might need later on!

116. Use cash-back apps when shopping online.

If you’re looking for a way to save money every time you shop online, then using cash-back apps is a great option! All you need to do is search for your favorite stores in the app of your choice and click through each one until you get back to the store’s website – by doing this, you’ll receive an additional percentage of your purchase just by clicking through with that particular cash-back website. Not only will this help you save money on regular purchases, but it’ll also help when shopping for holiday presents!

117. Look into energy-saving light bulbs.

Another great way to reduce your energy consumption is by swapping out all of your old light bulbs with new ones that have an energy-saving label. Not only will this help you reduce energy usage, but it’ll also help you save money on your monthly electricity bill – which means more money in your pocket at the end of each month! Plus, these types of light bulbs are much better for the environment!

118. Patch updrafts in your home.

One of the easiest ways to save money when it comes to your heating and cooling costs is by looking for drafts around your home that are leaking cool air during the summer or warm air during the winter. This simply means using caulk or weather stripping around windows and doors in order to secure these areas shut so that no additional cold air can enter during the winter months or hot air can escape during the summer months. By doing this, you’ll be able to keep your home at a more consistent temperature and save money on your monthly energy bill!

119. Hang your clothes to dry.

If you’re looking for a way to save money on your monthly laundry costs, then hanging your clothes to dry is a great option. Not only will this help reduce the amount of electricity that you use each month, but it’ll also help your clothes last longer since they won’t be subjected to the high heat levels of a dryer. Plus, it’s a great way to get some fresh air and Vitamin D while you do your laundry!

120. Get creative with leftovers.

One of the best ways to save money on groceries is by being creative with your leftovers. This simply means taking a second look at what you have in your fridge and pantry each week, thinking of new ways to use up those ingredients, and cooking them into delicious meals – all without throwing away any food or buying more groceries! By doing this, you’ll be able to eliminate food waste, save money on groceries, and eat healthier.

121. Keep an eye out for deals on large appliances.

Another great way to save money when it comes to home essentials is by keeping an eye out for deals whenever big purchases come around. Whether that’s a washer & dryer combo deal or a refrigerator deal, as long as you know how much you should be paying based on the manufacturer’s suggested retail price (MSRP), you’ll be able to snag a great deal and save money in the long run. Just make sure you do your research ahead of time!

122. Wash your car at home.

If you’re looking for a way to save money on your monthly car wash expenses, then washing your car at home is a great option. Not only will this help reduce the amount of water that you use each month, but it’ll also help you save money on soap, sponges, and other related items. Plus, it’s a great way to get some exercise!

123. Bring your own lunch to work.

One of the best ways to save money on groceries is by packing your own lunch for work instead of buying food from the local deli or café. This simply means creating a weekly lunch plan that includes quick and easy recipes that you can make ahead of time, all without spending a lot of money. By doing this, you’ll not only save money on your monthly food expenses, but you’ll also be able to eat healthier!

124. Get a library card.

One of the best ways to save money on books, movies, and other forms of entertainment is by signing up for a library card. This simply means having access to all sorts of materials – from books to DVDs to music – all for free! Not only will this help you save money each month, but it’ll also help you reduce your environmental impact since you won’t be buying as many items that need to be produced and shipped.

125. Trade-in your old electronics.

Whenever you’re ready to upgrade your electronic devices, one of the best ways to save money is by trading in your old ones. This simply means taking your old devices into a local store – like Best Buy or Radio Shack – and receiving a discount on the new device in return. Not only will this help reduce the amount of waste that goes into landfills, but you’ll also get a new device at a fraction of the price!

126. Switch to LED light bulbs.

Another great way to save money on your monthly energy bill is by switching to LED light bulbs. LED bulbs to use up to 90% less energy than traditional incandescent light bulbs – plus, they last much longer! As long as you’re replacing your old light bulbs with LED light bulbs in fixtures that you use regularly (like your living room or bathroom), you won’t have to worry about spending money on replacement bulbs every few months.

127. Always comparison shop when making large purchases.

Another great way to save money when it comes to home essentials is by always comparison shopping before making a final purchase. This simply means taking the time to check out the local brick-and-mortar stores and websites of all retailers selling the same item at different prices, then choosing whichever retailer has the best price for that particular item. Just make sure you’d open an account with multiple retailers if you’re planning on making a purchase online to take advantage of free shipping!

128. Use a programmable thermostat.

One of the best ways to reduce your monthly energy bill is by using a programmable thermostat. This simply means programming your thermostat to automatically adjust the temperature in your home based on your schedule – for example, turning the heat down when you’re asleep or away from home. By doing this, you’ll not only save money on your monthly energy bill, but you’ll also be doing your part to help reduce your carbon footprint!

129. Buy in bulk.

Whenever possible, one of the best ways to save money on groceries is by buying items in bulk. This simply means buying items like toilet paper, shampoo, dish soap, etc. in the largest package possible at your local wholesale club – before checking online stores to see whether or not you can get even better prices that way! Not only will this help reduce the amount of plastic waste in landfills, but it’ll also cut down on the number of trips you make to the grocery store each month.

130. Unplug electronic devices when they’re not in use.

One of the best ways to reduce your monthly energy bill is by unplugging electronic devices when they’re not being used. This simply means utilizing a power strip and plugging all devices into the power socket; as soon as you finish using a, just flip off (or unplug) the power strip. By doing this, you’ll not only be saving energy, but you’ll also be reducing the amount of electronic waste that goes into landfills each year!

131. Have a home repair and improvement fund.

Whenever something needs to be fixed or improved around your home, it can be tempting to put it off until you have enough money saved up to pay for it in full. However, if you have a home repairs and improvement fund that’s automatically deducted from your checking account each month, you’ll never have to worry about paying for unexpected repairs or improvements in full! This simply means setting aside a certain amount of money each month (even as little as $10) to go towards future home repairs and improvements.

132. Cook a big pot of soup or chili and freeze leftovers for later use.

If you love cooking soup or chili, then one of the best ways to save money is by cooking a large batch and freezing leftovers for later use! This simply means doubling (or tripling, quadrupling, etc.) your favorite soup or chili recipe as well as any sauces that go along with it – after letting cool, be sure to pour everything into freezer-safe containers before putting them all in the freezer. Then, whenever you have a busy week ahead of you and don’t feel like spending much time in the kitchen, just pull out a container from the freezer and heat it up on the stovetop before serving alongside some crusty bread or crackers.

133. Plant a garden.

Not only is gardening a great way to get some exercise, but it’s also a great way to save money on groceries! This simply means planting a variety of fruits and vegetables in your backyard – before browsing the internet for recipes that call for the ingredients you’ve grown yourself. By doing this, you’ll not only save money on groceries, but you’ll also be reducing the amount of produce that goes to waste each year.

134. Make your own laundry detergent.

One of the best ways to save money on laundry detergent is by making your own! This simple means combining equal parts Borax, washing soda, and soap flakes; after pouring everything into an airtight container, be sure to shake well before using. Not only will this save you money in the long run, but it’ll also help reduce the number of chemicals that go into our waterways each year.

135. Hang clothes to dry instead of using a dryer.

One of the simplest ways to save energy and money is by hanging clothes to dry instead of using a dryer. This simply means finding a place inside or outside your home to hang a clothesline – before folding and placing clothes on hangers immediately after taking them out of the washing machine. By doing this, not only will you be saving energy, but you’ll also be extending the life of your clothes by avoiding unnecessary wear and tear!

136. Use your car’s dead weight to perform a jump start.

If you have a newer vehicle with a computerized engine, chances are that it has a built-in security system that prevents the battery from being tampered with – this is important because if the battery is drained or needs to be replaced, your vehicle won’t be able to power on. However, you can easily get out of this sticky situation by using jumper cables and another car (with either an older engine or manual to push start) in order to give your car’s “dead weight” just enough juice for it to turn back on! This simply means removing both cars’ negative terminals before attaching one end of each set of jumper cables (black clamps together and red clamps together) to the battery terminals; after sparks stop flying, start the car that’s been providing power and let it run for a few minutes before disconnecting the cables and repeating on the other car.

137. Get a programmable thermostat.

One of the best (and simplest) ways to save money on your energy bill is by getting a programmable thermostat! This simply means replacing your current thermostat with one that can be programmed to automatically lower or raise the temperature in your home depending on whether you’re home or not. Not only will this save you money each month, but it’ll also help reduce your carbon footprint by using less energy!

138. Take advantage of online banking and budgeting tools.

If you’re looking for an easy way to keep track of your spending and save money each month, then look no further than online banking and budgeting tools! These simple programs allow you to link your bank account(s) with the program in order to create a budget that’s tailored specifically to your needs. By doing this, not only will you be able to see where your money is going each month, but you’ll also be able to set goals and limits in order to stay on track.

139. Avoid eating out.

One of the best (and simplest) ways to save money is by avoiding eating out! This simply means cooking meals at home instead of spending money on food from restaurants or take-out places. Not only will this save you money in the long run, but it’ll also help you stay healthy by controlling what ingredients go into your food.

140. Compare prices before buying anything.

If you’re looking to save money on anything – from groceries to electronics – then be sure to compare prices before making a purchase! This simply means taking the time to research different brands and models in order to find the best deal possible. By doing this, not only will you be able to get the best price, but you’ll also be able to avoid getting ripped off by salespeople who are looking to make a quick buck.

141. Get creative with leftovers from lunch.

One of the easiest ways to reduce food waste is by getting creative with leftovers! This simply means learning how to make new meals out of the food you already have in order to avoid letting anything go bad. By doing this, not only will you be able to enjoy a variety of foods that would’ve otherwise been thrown away, but you’ll also be able to reduce your grocery bill each month!

142. Play board games with friends and family.

If you’re looking for an inexpensive way to spend time with your loved ones, then play board games together! This simple idea allows everyone to work together and strategize in order to solve puzzles and complete challenges so that everyone can win the game at the end. Not only does this save money on entertainment costs by avoiding expensive outings and activities, but it’s also a great way to strengthen family and friend bonds.

143. Charge your smartphone or another mobile device when you get home from work instead of waiting until the battery is dead to charge it for several hours overnight.

One of the easiest ways to save money on your energy bill is by lowering your electricity usage while you’re at home! This simply means charging all of your mobile devices – smartphones, tablets, etc. – when you get home from work instead of waiting until they’re completely dead to recharge them overnight. By doing this, not only will you be able to cut back on standby power (which can account for up to 10% of your monthly electricity costs), but you’ll also be able to avoid having a dead phone throughout the day; which would cost you more money than just charging it up when you get home!

144. Have a potluck dinner with friends and family.

If you want to save both time and money, then host a potluck dinner with your loved ones! Potluck dinners allow everyone to contribute what they can afford in order to help reduce the financial burden on others. Not only does this help simplify planning, but it’s also an inexpensive way for everyone involved to enjoy delicious food without having to spend too much money.

145. Avoid buying drinks at coffee shops or fast-food restaurants.

One of the biggest drains on most people’s wallets is buying beverages (especially coffee) while they’re out and about each day. To avoid unnecessary costs, simply bring your own drinks with you when you leave the house! This could mean filling up a water bottle or bringing a travel mug for coffee so that you won’t have to buy anything while you’re out. By doing this, not only will you save money, but you’ll also save time since you won’t have to wait in line at Starbucks or McDonald’s every day!

146. Make your own cleaning supplies.

One of the best ways to save money on household expenses is by making your own cleaning supplies! This simply means combining a few simple ingredients – like vinegar and baking soda – in order to create effective (and affordable) cleaners for every surface in your home. Not only will this help reduce your overall monthly budget, but it’ll also help reduce your exposure to harmful chemicals, which can cause long-term health problems!

147. Put away some money every paycheck.

If you want to save up money for an expensive purchase, then put some money aside after each payday so that you’ll have enough saved up by the time you need it. By simply setting aside a certain amount of cash after each paycheck (and then stashing it in a savings account), you’ll be able to accumulate enough funds to pay for everything that you need – like your next vacation!

148. Turn off the lights when leaving the house.

By turning off all of the lights in your home before leaving or going to bed at night, you’ll not only help reduce energy usage while saving money on your electricity bill, but you’ll also be doing your part to help save the environment! So make it a habit to flip off the switch every time you leave a room and you’ll be able to enjoy the peace of mind that comes with knowing you’re helping the planet.

149. Create a budget and stick to it.

If you want to start saving money but don’t know where to start, then create a budget and stick to it! This simply means figuring out how much money you have coming in each month and then dividing that amount by categories (like rent, groceries, utilities, etc.) so that you have a better understanding of how much you can afford to spend on each expense. By doing this, not only will you be able to cut back on excess spending, but you’ll also be able to find financial freedom and enjoy the security that comes with having a healthy bank account!

150. Keep an eye out for coupon codes/promotions when shopping online.

If you want to save money while buying things online, then keep an eye out for coupon codes and other promotions before making your purchase! This simply means doing some research ahead of time in order to find sites or apps that can help you get discounts when making purchases through certain websites. By only buying the things that we need – and finding ways to save money when we do so – we’ll be able to gain financial freedom without even realizing it!

151. Make a list before going grocery shopping.

One of the most important things that anyone can do in order to save money is to make a list before going grocery shopping. By simply drawing up a rough meal plan for the week ahead, you’ll not only be able to cut back on excess spending at the supermarket, but you’ll also save time by ensuring that you don’t leave with an overflowing cart when all you really needed was some milk and bread!

152. Maximize your health insurance benefits.

Another one of the best ways for people to save money each month is by maximizing their insurance benefits – this means looking into different policies or programs that can help reduce costs over time so that they aren’t paying out of pocket every single month. For instance, if there’s a program in place where you can get a certain percentage off your chiropractic bills, then do some research ahead of time and find out if that program is right for you. By taking a bit of time to review the different insurance plans, you’ll be able to save big on doctor’s visits and overall medical expenses!

153. Research good deals before buying anything expensive.

Before going out and making any major purchase – like an engagement ring or a new car – conduct thorough research in order to find the best deals possible. This simply means looking around at different retailers/locations in order to see which seller is offering the best price for this particular item so that you don’t end up overpaying by even one dollar! By doing your homework ahead of time, you’ll be able to save money on all sorts of purchases and enjoy the peace of mind that comes with knowing you got a great deal.

154. Plan your outfits ahead of time.

If you want to make sure that you’re only buying the clothes that are right for your style, then plan out your outfits ahead of time! This simply means taking some extra time during weekends or before heading out to work in order to decide what you’re going to wear each day so that there’s no need for any last-minute shopping trips where you end up buying something just because it was available at the store. By thinking about how different pieces will look together, layering them accordingly, and making wise decisions ahead of time, you’ll be able to save money on clothes and avoid impulse buys.

155. Compare prices before making a big purchase.

Similarly, always compare prices before making a big purchase – like a new couch or a set of patio furniture. This means taking the time to research different sellers in order to see who is offering the best deal for the product that you’re looking for. Not only will this help you get the best possible price, but it’ll also help you avoid any scams or schemes that may be out there! By being an informed consumer, you’ll be able to save money on all sorts of big-ticket items.

156. Make your own coffee instead of buying it every day.

If you’re someone who loves coffee but doesn’t want to spend a ton of money on buying it every day, then make your own at home! Most people don’t realize that they can make their own coffee without a fancy machine – simply heat up some water and add a bit of instant coffee until it’s the perfect taste/flavor. Not only will this help you save money in the long run, but you’ll also have access to all sorts of different flavors that aren’t available through your local coffee shop.

157. Use coupons when shopping for groceries.

One of the best ways to save money on groceries is by using coupons. By simply looking around for discount codes or promotions before making any major purchase, you’ll be able to cut down costs significantly so that you’re only paying for the products that you want to buy. By saving money on food, your grocery bills will drop immediately and you’ll be left with more cash in your pocket as a result!

158. Cut down on alcohol consumption as much as possible if you’re trying to save money.

For those who are seriously interested in cutting down their monthly costs, consider cutting out alcohol entirely or at least reducing consumption drastically – not only is this going to save you a ton of money over time, but it’s also going to put a lot less stress on your liver and overall health! Being smart about how much booze is consumed can go a long way towards getting finances back under control quickly.

159. Avoid expensive hobbies that cost too much money.

Finally, another good way to cut down on monthly costs is by avoiding hobbies that are going to cost a lot of money. Think about it – how much can a hobby like golfing really cost over the course of a year? A few hundred dollars, at most? However, something like skiing is going to be far more expensive… and will break your bank if done too often.

By finding cheap/free hobbies, you’ll be able to save money on activities while also enjoying yourself in the process without worrying about breaking your budget or dipping into savings unnecessarily!

160. Use cash-back credit cards to earn money on your regular purchases.

If you’re looking for an easy way to save money on all of your regular purchases, then start using a cash-back credit card! These cards offer a percentage of each purchase back as cash, which can add up over time if used correctly. By choosing a card that offers a high percentage back (like 5 or 6%), you’ll be able to save money on everything from groceries to clothes to gas – without having to do much extra work. Just be sure to always pay off your balance in full every month so that you’re not accruing any interest charges!

161. Start carpooling with coworkers or friends to save money on transportation costs.

If you live in a city or are driving long distances to work, then start carpooling with coworkers or friends. Not only will this help cut down on the cost of gas for everyone involved, but you’ll also be able to share rides and split costs evenly among yourselves – making your daily commute that much cheaper! This is one of the simplest ways to save money while still getting to work/school on time every day.

162. Set up an automatic transfer from checking to savings each paycheck to build up an emergency fund faster.

Another great way to build up your savings is by setting up an automatic transfer from checking into savings every month! By doing this, you’ll be able to meet several months’ worth of expenses quickly, even if you’re just making minimum wage. If your income varies, this is an especially good idea – just set up the transfer at a flat rate, so that it doesn’t change with your income levels.

163. Sell old books to clear out clutter and make some extra cash in the process!

Instead of letting old college textbooks gather dust on a shelf somewhere, why not try selling them? There are tons of websites out there that will let you list something for free, then pay you via PayPal after they receive payment from another customer. You’ll be able to earn some extra money while also clearing out space in your house – what could be better than that?

164. Take advantage of any loyalty programs offered by businesses where you frequently shop.

Finally, another thing that many people overlook is loyalty programs offered by businesses where you frequently shop! By taking advantage of these free perks and discounts, you’ll be able to save money on all sorts of things like food, gas, and other necessities without much extra effort or cost involved. These can easily add up over time if used correctly – so keep them in mind whenever shopping around!

165. Make your own sandwiches at home rather than buying lunch every day.

Another simple way to save a lot of money quickly is by making your own sandwiches rather than buying lunch every day as you head out the door to work. Even just saving $5 per day would allow for $150 saved per month it’s really not that much effort once you get into the swing of things. Plus, you’ll be able to customize your sandwiches however you like, which is a definite bonus!

166. Negotiate lower rates on bills and services by being a loyal customer.

Finally, another way to save money on monthly expenses is by negotiating lower rates with businesses/services that you’re already a loyal customer of. By simply asking if they can offer you a better deal in exchange for your continued patronage, you may be surprised at how much they’re willing to reduce your costs in order to keep you as a customer. It never hurts to ask, so give it a try the next time you’re speaking with someone from your cable company or cell phone provider!

167. Sell your old clothes to clear out clutter and make some extra cash in the process.

If you have a bunch of old clothes hanging around that you don’t have any use for anymore, then try selling them instead of just throwing them away! There are tons of websites out there that will let you list something for free, then pay you via PayPal after they receive payment from another customer. You’ll be able to earn some extra money while also clearing out space in your house – what could be better than that?

168. Don’t take advantage of credit card reward programs or special promotions.

One thing that many people do (myself included!) is taking advantage of credit card reward programs or special promotions without paying their balance off in full every single month. Doing this will not only rack up quite a bit of credit card debt but will also negate any perks you might have received. Remember, the best way to take advantage of rewards is by paying your balance off in full every month!

169. Use public transportation when possible, rather than owning/leasing a car.

Another great way to save money every month is by utilizing public transportation options instead of owning or leasing a personal vehicle. This can be especially beneficial if you live somewhere that has good bus access – look into exactly how far away the next bus stop is from your house, and make sure to check it before planning activities with friends on weekend nights! It’s an inexpensive way to get around town, plus you get to interact with people on your commute rather than being cooped up in a car by yourself.

170. Find coupons before shopping.

Of course, another great way to save money is by finding coupons for the things you already plan on buying before ever visiting the store! There are lots of websites out there that have coupon codes available for products across all kinds of different categories, so make sure to check them out whenever you’re ready to go grocery shopping or run some other kind of errand. The extra few bucks you might end up saving can certainly add up over time – plus it’s fun!

171. Never buy new when trying to save some cash- buy used instead!

If you want to save even more money every month, then try buying used items instead of new ones. Not only will you be able to find some great deals, but you’ll also be doing your part in helping the environment by reducing the amount of waste produced. There are tons of different places to buy used items, so do a quick search online or check out your local thrift store for some great finds!

172. Review your bank statements every month and dispute any charges that weren’t authorized.

Finally, another way to keep an eye on your spending and ensure that no money is slipping through the cracks is by reviewing your bank statements every month and disputing any charges that you didn’t authorize. This can be a painless process if you auto-payments for all of your bills and credit accounts, as most banks will automatically refund you within a few days. However, if you notice that an unauthorized charge has already been processed for something like a Netflix account or your phone bill, then it’s time to go into action! The fastest and easiest way to file a dispute is online through your bank’s website. All of the information and forms you need should be available immediately after logging in to their site, so click around until you find them!

173. Use payday loans sparingly and only when necessary because interest rates are high.

If you ever find yourself running out of cash before your next paycheck comes in, then one option that might be available to you is getting a payday loan. While this can certainly save your behind in a bind, it might not be the wisest decision in the long run. Payday loans typically have interest rates that are astoundingly high*, so you’ll want to use them sparingly and only when absolutely necessary.

174. Consume less food at home to save money.

One simple way to save money every month is by consuming less food during your regular meals. You don’t have to make major sacrifices or tighten your belt too much – simply shave off a few calories here and there, and you’ll notice the difference almost instantly! Your wallet will thank you later.

175. Eat at restaurants that are located within grocery stores.

Another way to cut back on how much you spend on food every month is by eating more of it at restaurants that are located directly inside grocery stores! There are quite a few examples out there of this concept succeeding, so take some time to do some research before heading out for dinner one night next week. Chances are good that you’ll find a few affordable places to eat that will still satisfy your cravings.

176. Avoid eating out for breakfast and lunch.

If you’re looking to save even more money on food, then try avoiding eating out for breakfast and lunch. This doesn’t mean that you have to starve yourself – there are plenty of delicious and affordable meals that you can cook up at home in no time! Not only will this help your bank account, but it’ll also give you the opportunity to experiment with new recipes and spices.

177. Make a grocery list before shopping and stick to it!

One of the best ways to save money on groceries is by making a list before heading to the store and sticking to it faithfully! This might require some practice at first, but eventually, you’ll find that having a list with you keeps your spending under control even when the most delicious of treats are staring back at you on the shelves.

178. Only buy what you need to reduce excess food waste and save money.

Lastly, the best way to save money on groceries is by only buying what you actually need! As counter-intuitive as it might seem, many people end up wasting their grocery budget (and throwing away perfectly good food) simply because they took home too much of something without fully realizing it. Try keeping yourself accountable by taking inventory before heading out for groceries or cooking dinner; then put anything extra into storage containers where it belongs! Follow these simple steps and start saving more money on groceries today.

179. Use a reusable water bottle to cut down on how much bottled water you drink and save money.

One of the most effective ways to reduce your spending is by buying fewer things altogether – especially items that are repeatedly consumed every month, such as food and drinks! For instance, if you’re a big fan of sipping on bottles of water all day long, then it’s time to put an end to this unnecessary expense once and for all. Simply invest in a reusable water bottle or travel mug, and fill it up with cold tap water whenever possible! Not only will this help the environment, but it’ll also save you some major cash over time.

180. Only buy what you need when shopping for clothes; avoid impulse purchases.

When it comes to finding ways to save money, you can’t do much better than shopping at thrift or consignment stores for clothes! These places are overflowing with inexpensive (and sometimes even brand-name) pieces that are practically begging to be bought. Of course, if you’re like most people, there’s also a good chance that you’ll decide to purchase something without fully thinking it through; after all, these types of items tend to sell fast and there’s nothing worse than coming home empty-handed! To avoid this fate, only buy what you need and avoid any temptation whatsoever when out on an impromptu shopping spree. As long as you follow this guideline religiously, then your wallet will certainly thank you down the line.

181. Sell your old clothes in exchange for cash or store credit when you no longer want them.

If you’re ever in the mood to make some extra money, then it’s time to clear out all of the clutter in your house and sell what you don’t need anymore instead! This can include anything from clothing, shoes, books, CDs/DVDs, etc.; if it doesn’t bring you joy anymore (even if it’s brand new!), then why not put it up for sale? It’ll definitely come in handy at some point when shopping for other people (and yourself) later on down the line! Just be sure to check online beforehand so that you have a good idea of how much things are worth beforehand.

182. Compare prices online before buying anything to get the best deal.

Whenever you’re in the market for a new purchase – especially big-ticket items – it’s always a good idea to compare prices online before buying anything. This is especially true now that almost everything imaginable can be found with just a few clicks of the mouse, and there’s no need to waste time (and money) by driving from store to store. By taking just a few minutes to do some online research, you’ll be able to save yourself a lot of money in the long run!

183. Use cash-back credit cards for all of your purchases to rack up rewards points.

If you’re looking for an easy way to save money on groceries, gas, or anything else that you buy every month, then a cash-back credit card is probably your best option. The easiest way to use them is by using them for everything you purchase; this way there’s no need to keep track of where and when you spent money since it’ll all add up in the end anyway! If you follow this method religiously, then you might even be able to pay off even more than what was originally charged on the card while saving hundreds (or thousands) of dollars at the same time.

184. Shop around for low-priced items before buying groceries each week; make a list and stay disciplined.

If you’re like most people, chances are good that your grocery budget is constantly getting eaten up by expensive items that you only buy once in a while. To break this habit, start by shopping around for low-priced items before buying groceries each week; this way you’ll be able to stick to a budget without depriving yourself of the essentials. In addition, it’s a good idea to make a list of what you need beforehand and stay disciplined while sticking to it! This will take some time and effort in the beginning, but it’ll be well worth it in the long run.

185. Use public transportation instead of renting or buying a car.

Unless you absolutely have to, there’s no need to rent or buy a car when there are so many other viable transportation options out there. By using public transportation instead – whether it’s a bus, train, or subway – you’ll help save money in addition to cutting down on pollution and helping the environment. Plus, this is an especially good idea if you don’t know how to drive in general since it’s much easier to take advantage of when living in a city.

186. Plan around your work hours when doing errands so that you can get everything done in just one trip.

If you’re like most people, then you probably have certain days when it’s best for you to go out and do all of your shopping; these are usually Saturdays or Sundays (depending on what day everyone else gets paid), but not during the workweek! The reason for this is because there are simply too many other people out and about doing the same thing, which means that you’ll spend more time in traffic and be less likely to find a good parking spot. By planning around your work hours when doing errands, you’ll be able to get everything done in just one trip and save yourself a lot of time (and aggravation) in the process.

187. Get creative with leftovers by turning them into new dishes.

If you’re not the best at saving money, then one way to start is by getting creative with leftovers instead of tossing them out. This can be as simple as turning them into new dishes – like a soup or casserole – that you can then freeze for later on in the week. Not only will this help reduce the amount of food that you waste each month, but it’ll also help save you money in the process. In addition, it’s a good idea to start cooking larger meals so that you have enough leftovers for the next day or two; this way you won’t have to resort to eating out or ordering in and spending even more money.

188. Compare prices between online and physical stores before making a purchase.

Just because something is available for sale online doesn’t mean that it’s the cheapest option out there. To make sure that you’re getting the best deal possible, always compare prices between online and physical stores before making a purchase. This can be done easily by using a price comparison tool or simply browsing through a few different websites; if nothing else, you should at least check out your local Walmart or Target since they usually have some of the lowest prices on a variety of goods and services.

189. Have a garage sale so that you can keep your house clean and make some money at the same time!

While this might not be an immediate money-saving idea, having a garage sale is definitely worth doing if there’s simply too much clutter in your home. Not only will it help you declutter – which is great for both reducing stress and getting rid of junk – but it’ll also save you from throwing everything away. But here’s the best part: because people are constantly looking for cheap items to buy, you might even be able to make a good amount of money by having a garage sale. Just make sure to price everything fairly and advertise it well!

190. Get in the habit of taking your own lunch to work instead of buying one.

Eating out can be expensive, especially if you’re doing it every day. By getting in the habit of taking your own lunch to work instead, you’ll not only save yourself a lot of money in the long run, but you’ll also be eating healthier food. This doesn’t have to be anything complicated – in fact, it can be as simple as packing a sandwich and some fruit or veggies – but it’ll still save you a good amount of cash each month. And if you’re really strapped for time, then try prepping your lunch the night before so that you don’t have to worry about it in the morning.

191. Make a smaller budget and stick to it!

One of the best ways to start saving money is by creating and sticking to a budget. This can be a bit difficult at first, but with a little bit of effort, you’ll be able to do it. The key is to make sure that your budget is realistic and that you’re not underestimating how much money you need each month for things like groceries, rent, transportation, and bills. Once you’ve got everything figured out, make sure to track your spending so that you can see where your money is going and where you might be able to cut back on expenses.

192. Use cash instead of your debit card for purchases under $5.

While using a debit card might be easier and more convenient, it’s also a lot more dangerous when you’re trying to save money. That’s why it’s a good idea to only use cash instead for small purchases (like vending machine items or snacks from the office kitchen). Since this can add up over time, you’ll soon find that you have enough money to start putting into savings instead!

193. Swap out expensive coffee drinks for home-brewed alternatives throughout the month.

A lot of people spend way too much money on overpriced coffee every month, but there are simple things that can be done so that you don’t have to do anymore. For example, if you make your coffee at home, you can save a good amount of money by simply brewing it yourself and using your own grounds. Another idea is to plan out your trip to the local coffee shop and only go on certain days of the month (and bring your own mug in order to get a discount). And lastly, if you’re really into hot drinks then consider getting a high-quality travel mug that’ll keep things warm for several hours; this way, when you get sick of driving around for drink runs all the time, you’ll still be able to drink great java without paying an arm and a leg!

194. Have people over instead of going out.

When it comes down to hanging out with friends or family, just about everyone would rather prefer to do it in the comfort of their own home. This is a great way to save money, especially if you’re the one hosting because you’ll be able to provide all of the food and drinks without having to worry about spending too much. Plus, it’s always more fun when everyone is relaxing in one place instead of scattered around town!

195. Bring your own snacks and drinks to the movie theater.

Movie theaters are notorious for being overpriced, so one way to combat this is by bringing your own snacks and drinks with you. Not only will this help you save money, but it’ll also mean that you can eat what you want without worrying about getting ripped off. Just make sure that any food or drink is in a secure container that won’t cause problems at the theater.

196. Don’t go out to eat on Mondays and Tuesdays.

If you’re trying to save money, then it’s important to avoid eating out for as many meals as possible – especially when you can just cook something at home instead! In fact, the best way to save money while dining out is by doing so on days when it’s typically slow, such as Mondays and Tuesdays. This will not only help you cut down on food costs but also give your favorite restaurants a much-needed break from getting slammed all of the time. You might even be able to strike up a deal where they’ll give you a discount if there aren’t many customers around.

197. Use Wikipedia before looking up other sites to get the facts on something for free.

People are always looking for websites that’ll give them all of the information that they need, but unfortunately, not every site is reputable so it’s important to take your time and do some research first. Instead of quickly finding another site to check out, why not start with Wikipedia instead since you can use it for free without having to worry about being scammed? Once you’ve got everything figured out, make sure to keep those findings in mind as you continue your journey; this way, you’ll be able to see if what you find elsewhere lines up or conflicts with them!

198. Only subscribe to magazines when absolutely necessary.

While there are some people who love getting magazines in the mail, it’s important to remember that they can be quite expensive – especially if you’re subscribed to a few of them. In order to save money, only subscribe to the ones that you really read and get rid of the ones that you don’t. This way, you won’t have to worry about spending too much on something that’s just going to end up sitting around collecting dust. You might even be able to find some at your local library if you’re in need of something new to read!

199. Compare prices online before buying anything.

One of the best ways to make sure that you’re getting a good deal is by price comparison before making any purchase. This means visiting different websites and checking out their prices so that you can find the best deal possible. Not only will this save you money in the long run, but it’ll also help teach you a thing or two about where to find the best deals when it comes to your favorite items. Just make sure that you’re comparing apples to apples when doing your comparisons; after all, not every store is created equal!

200. Try going meatless for at least one meal per day.

Meat is one of the most expensive items on grocery bills, so by trying to go meatless for at least one meal each day, you’ll be able to cut costs dramatically. There are plenty of delicious meatless dishes out there that’ll fill you up and keep you on budget; it’ll be easy to eat well without breaking the bank! Plus, you might start feeling better as a result of eating fewer animal products.

There are plenty of ways to save money when it comes to dining out, but they all start with you! By making smart decisions before you head out, during your meal, and after the check is brought over, you’ll be able to cut costs without compromising the experience. Stay tuned for part two of this series on how to save on meals while dining out.

Happy savings!