Save Money in Life, Checklist – Ultimate Guide To Save, X+ Tips

Are you living paycheck to paycheck? Constantly finding yourself in situations where you need to pinch pennies? Or are you just tired of wasting money on meaningless stuff – stuff you never use and you end up throwing away?

Don’t worry! In this article, I’m going to teach you how to change your ways! By the time you finish reading this guide, you’ll realize your life can be better – easier – just by changing some principles and rules. At the very least, you’ll have quite a few great tips for saving money.

No matter your reasons for wanting to save money, there are ways you can do it. In this guide you’ll learn how to:

• Save thousands of dollars every year
• Make food for you and your family … cheap!
• Commute and travel in inexpensive ways
• And much, much more!

Are you ready to start saving money and living better? Read on! Start taking steps right away, and soon they’ll become habit. Remember: changing your lifestyle is a gradual process. But before long, saving money will be second nature!

Saving Money in Life and Work

“Life and work” is a pretty broad topic, sure. But in this section, we’re going to cover some general ways you can start saving money. We’ll go more into the specifics later. Ready? Let’s begin!

1.  Record your expenses

You can’t begin to save money if you don’t know where your money goes. To do that, you need to keep track of expenses for at least a month. If you can swing it, track your expenses for several months.

You’ll need to keep track of, literally, every penny you spend. You should account for money you spend filling up your gas tank and that you spend on groceries. Did you buy a coffee every morning this week? That’s just a few dollars each day, but it adds up! Every time you rented an Amazon Prime video or even tossed a few cents in the charity cup, you need to make note.

Most people can easily track expenses simply by looking over their bank statement. If you usually deal in cash, though, you’ll need to carry a notebook with you. Write down every single thing you spend, then, at the end of the month, take a closer look at those expenses.

You don’t need to make any huge changes just yet. Just a simple mindfulness of where your paychecks go is enough to start.

• You can’t save money if you don’t know where you’re spending it
• There are many ways to track your expenses – do it online or just in a journal
• Don’t worry about making changes just yet – just know where your money is going

2. Stop spending like you’re Bill Gates.

Because you’re not Bill Gates. You’re you, and you don’t have unlimited resources.

Is it okay to splurge every now and then? Maybe. You might be able to get away with eating at the local pub a night or two each month. But the chances that you’re going to be able to afford that new luxury vehicle are slim – especially if you’re reading this guide to saving money.

As you look over your monthly expenses, think about which of those purchases you truly needed to make. Are you buying things because you need them, like groceries? Or are you just buying things because you want them?

3.  Think before you spend.

One of the most important steps you can take toward saving money is very simple. Before you make a purchase, especially a major one, sleep on it.

Think about the item you want to buy. Will your life be bettered by buying it? Will you actually use it? A good example of this would be a new television. Do you need a new TV or would you be just as happy streaming movies on the laptop you already own?

There are few things in life we actually need. Before you hit that “checkout” button or head to the store, think about whether this purchase is one of them.

4.     Turn off the television.

There are so many reasons to turn off the television. First, studies show that television makes you fat. That, of course, can lead to health problems and medical expenses. Secondly, watching television uses electricity. Just having the TV plugged in can cost you up to $110 per year (USD).

The cost of cable service is phenomenal. No matter where you live, the cost of premium channels and even what’s called “basic” cable is well above what should be considered reasonable entertainment expense. Do you truly need 131 channels? Probably not.

Finally, as you watch television you’re inundated with ads. Ads for luxury cars. Ads for alcoholic drinks. Ads for vacation packages and ads for what is, frankly, junk. Don’t fall into the advertising trap. Just turn off the television and save your money, your electricity and your health.

• Television is bad for your wallet – and your health!
• Turn off the television to save on electricity
• If you don’t see TV ads, you’re not as tempted to buy

5. Don’t go out – stay in.

When you go out with friends, you spend money. Whether it’s a round of $7 martinis at the local bar or an extra large drink at the cinema, going out with friends is expensive!

Don’t go out. Instead, invite your friends over! Take turns hosting the group and play poker (for fun, not money!) or try cooking new cuisines. Join a volunteer group and clean up community parks or visit a children’s hospital. Heck, just go for a run or a walk!

Be creative – you and your friends can find all kinds of inexpensive, worthwhile and fun hobbies. But be sure of one thing: that you stay in instead of hitting the pub or doing expensive activities.

6. Consider your diet.

We’re going to talk more in depth about food later. But there are a few things you should keep in mind when you buy and eat food.

• Cheap food is usually filled with empty calories, causing you to be hungry sooner – and gain weight! Opt for fresh foods when possible.
• Eating out for lunch every day when you break at work adds up considerably. Consider packing a lunch to bring with you.
• Same goes with supper! When you eat out, you’re paying huge markups for food as well as tips and gratuities. Eat in instead, saving the nights out for special occasions.
• Consider your portion size. For a few weeks, weigh and measure your food. A typical adult, for instance, should only eat around 3-4 ounces of chicken breast for a meal. You’d be surprised at what you’re actually eating!

7. Change your habits.

It should go without saying that bad habits cost money. In the US, a person who smokes a pack a day of cigarettes spends almost $2,200 each year on their habit. In the UK, that same smoker will spend £3,000.

Smoking isn’t the only money-sucking habit, though. A habit of snacking on candy throughout the day can add up considerably. Just consider how much one candy bar costs at the vending machine at work. Now multiply it by 300 – that’s what you’re spending each year. And that doesn’t include the weekends!

Alcohol is an expensive habit, too Whether you’re drinking at restaurants, bars or at home with your spouse, each drink costs you money.

Think about your habits, and consider how they not only destroy your bank account but your body, too! Where appropriate, take steps to change those habits.

• Bad habits cost money! Tobacco, alcohol and gambling are just a few examples
• Not only will these habits impact your finances, they’ll impact your health, too
• You don’t have to abstain from, say, the occasional drink, but think about how much you’re spending first.

8. Consider your home.

Alright, I’ll admit it. This one’s a big one. It’s not going to be possible for everyone to make this change. But if you can do it, here it is: consider downsizing your home!

Larger homes just cost more. Your mortgage or rent is typically higher. Your utility expenses are higher. Heck, even your property taxes are higher with a larger home than a smaller home in some areas.

If you can, think about moving to a smaller space. Sure, moving itself can be pricey. But once you move to a more manageable home, you’ll find that your monthly and annual expenses are much cheaper, allowing you to save thousands of dollars each year.

9. Share space.

In some cases, you may be able to share a space! You may have done this when you were in your 20s or in college, but it’s never too late to think about sharing rent or a mortgage with another person you trust.

Roommates take all shapes and forms. I once knew a young couple with a child who shared space with a single mother of one. The single mother and the husband in the couple worked full time while the wife in the couple provided childcare to the children. Overall, it worked out nicely!

If you’re okay with sharing a kitchen and a living room with another person, a roomie situation might work out for you. Your rent and utilities will be halved, and the two of you may even be able to share food costs.

• A roommate situation may not work for everyone, but it’s worth considering!
• There are many roommate situations. Consider a skills exchange.
• Living with someone you trust can cut your bills literally in half.

10.  Think green.

Many people think that “going green” means buying overpriced products and “organic” labels. But that’s just not true!

A good way to save money is to begin by going green. Turn off the lights when you leave the room. Take shorter showers and turn off the water while you brush your teeth. Buy reusable products. All these options protect the environment – and your bank account!

We’re going to talk more about specific ways you can go green later in this guide. Suffice to say for now that eco-conscious living can also mean good things for your finances.

• Going green isn’t always expensive.
• Small steps like turning off lights can save you hundreds of dollars each year.
• Reusable products are cheaper in the long run – and better for the planet!

Saving Money on Groceries

Grocery shopping is one of those things you just have to do. After all, you can’t survive without groceries … and toilet paper. However, there are ways you can save a significant amount of money, just by shopping in the right way. Let’s look at a few tips and tricks for saving money while you shop.

11.  Make a shopping list before you go.

You’ve probably heard it said: you should never go grocery shopping when you’re hungry. Folks, that’s so very true! Grocery stores and other merchants design their stores in a way that will attract you to make impulse buys. From candy bars in the checkout line to beautiful endcap displays of sodas and chips, it’s easy to give in to the merchandising efforts of these stores.

Before you head to the store, make a list of everything you need. We’re going to talk about meal planning in a bit – when you use meal planning tools you’ll know everything you need for the week. Write it all out, then follow that list strictly. It’s going to take a little bit of discipline to say “no” to the packet of crisps but you can do it, I know you can!

This tip doesn’t just apply to the grocery store, either. You should make a list before you do just about any kind of shopping. Set yourself a budget and only buy what you came for.

• Don’t go to the grocery store hungry!
• Make a list of everything you need before you go – and stick to it!
• Meal planning can help you write a grocery list.

12.  Send someone else to the store for you.

A very easy way to avoid impulse buys is to send someone to the store for you. Send your spouse or a neighbor to the grocery store or other retailer with a detailed list of the items you need. When they return, you can be assured that everything in those bags is just what you needed … and nothing extra!

13.  Use a shopping service.

This is a tip that could go either way. Some grocery stores and other retailers offer shopping services. What that means is that store staff will collect the items you’ve listed. You’ll check out online, and the store staff will meet you at your car or at a customer service desk with your order.

There’s a catch, though. Not all shopping services are free. Many retailers offer the service for free the first time, then charge you a fee for subsequent shopping experiences. Be sure to look into this before you use a service. Read the terms and conditions so that you’re not responsible for unexpected costs.

• Shopping services will ensure you don’t make any impulse buys.
• Some shopping services cost money – read the fine print!
• Many shopping services offer a free trial – try it out to see if it’s right for you!

14.  Cut coupons … in moderation.

A few years back, there was a woman in the United States who made headlines by getting free stuff at a national drugstore chain. She’d spend hours upon hours clipping coupons and finding online deals, then would go to the store and purchase hundreds of dollars’ worth of items for a total of a few dollars.

This woman is still in the coupon clipping business, and now has a website that lists daily and weekly deals for users to browse. The trouble with this strategy, though, is that this woman’s coupons didn’t always result in actual savings. People who followed her plan would end up with stockpiles of soap, toothpaste and laundry soap – items that would eventually expire before the consumer ever had the chance to use them.

Don’t be like that, but do use coupons. Look at your local store’s circular online, and see what’s on sale. List the items you actually need, then do a quick search of the internet for coupons on those items. Additionally, you can save the circulars you get in the mail and in your Sunday paper. Keep them on hand for a few weeks; if something comes up that you need to buy, check those fliers for coupons.

• Cutting coupons can save you a lot of money on groceries and household items.
• There is such thing as too many
• If you aren’t going to use the product, it’s wasted money. Not a deal.

15.  It’s not saving money if you didn’t need it in the first place.

Folks, please don’t buy something you don’t need just because it’s on sale. First of all, that’s not saving money. It’s getting an unnecessary item at a price you didn’t need to pay.

As in the case of the coupon clipper, you don’t need to buy 23 tubes of toothpaste just because you can get them for a penny each. You don’t need to spend hours clipping coupons just to find a good deal on something you’ll never use.

Be smart about your purchases and remember that it’s not saving money if you don’t need it. Think before you buy, and don’t fall prey to red sales tags and loud television ads.

16.  Join shopping clubs.

Do you want to save money on grocery purchases? Of course you do! The best way to do that is to join your local store’s shopping card.

My local grocery store is great. I have a tag that clips to my keychain, and it’s also linked to my phone number. As I’m checking out my purchases, I just swipe my card or enter my phone number and my savings are automatically applied.

I can also go online and clip “virtual” coupons – these coupons are loaded to my card and automatically applied at the register. Every month, the store offers additional incentives. For instance, I earn $5 grocery cash just for spending $30 in the store.

Most grocery stores have a shopping club available. In fact, it’s not limited to groceries. Gas stations, big box retailers and other stores also offer savings incentives for regular customers. Be sure to link your savings card with your phone number in case you carpooled with a friend!

• Shopping clubs offer great discounts to “members”
• Grocery stores, gas stations and even clothing stores offer these memberships.
• Shopping clubs allow you to clip virtual coupons, saving you time and frustration.

17.  Buy generic, or store brand.

There are things I’m very particular about when it comes to grocery shopping. For example, I have to have the “good” brand of tuna. The other stuff just seems like it’s watered down to me. I also have to buy large eggs. Extra large and jumbo just don’t work well in the recipes I make.

But overall, the items you buy that are the store brand are exactly the same as the name brand stuff. That goes for food, for most medications and even beauty care products. Don’t make the mistake of paying three times as much for the name brand aspirin – the cheap stuff is just as good.

18.  Price compare the generics.

Not all grocery stores are created equal. And while you may only have two or three chains in your area, you should still shop the generic prices.

I mentioned that I’ve got a great local grocer that offers discounts just for shopping. Well, some of the other local stores aren’t as generous. I’ve shopped the generics at other stores, and have been shocked at the price differences. A gallon of milk, for instance, costs up to two dollars more at the other stores than at my local grocer!

Check out the variety of pricing in your area and realize that food elitism is very real. People will pay more to shop at “high end” grocery stores … even though they’re paying for the same food.

• Some grocery stores offer generic products that are just as pricey as name brands.
• Check with local grocery and big box stores to make sure you’re getting the best deal.
• Even staples like milk and bread can cost twice as much at the “elite” grocery stores.

19.  Check the price per unit.

Most retailers will post, along with the price of the item, the price per unit of an item. For instance, at first glance you may be tempted to buy the pound of turkey breast for $3.99 instead of the pack for $5.99. But when you realize the six dollar pack contains two pounds of turkey, you realize you’re actually saving money.

I know, I know. Sometimes you just can’t stomach paying six dollars on turkey, period. Maybe you’ve only got a few bills in your pocket. But when possible, check to see that you’re paying the best price per unit, not just the lowest price per item.

20.  Buy fresh.

Processed, packaged foods can be inexpensive menu options when you’re on a tight budget. But everyone needs produce and protein. When you buy those items, buy them fresh.

Opt for in-season produce and unprocessed meat. Deli meat might be okay every now and then, but you’re going to be saving money by buying the whole chicken instead of the sliced, skinless chicken breast.

If you must buy canned products, be sure they’re packed “in their own juice” or “in water” rather than in corn syrup or oil. This is beneficial not just to the quality of the food for the price, but also to your health!

Saving Money on General Shopping

There are going to be times when you need to head to the store for batteries or other essentials. However, it’s important that you shop smart! Here are some says you can save money on everyday purchases.

21.  Cut up your credit card.

No, really. Credit cards are recipes for disaster. Between interest charges and the feeling that you have more money than you actually do, your credit card is better in the shredder than in your wallet.

Cut up your credit card and only pay for purchases with cash you have. Why pay extra for an item because of interest? And do you really want to go into debt because of that impulse buy? Your money is better spent elsewhere.

• Do you need a credit card? Think carefully.
• Credit cards are great tools, but they’re expensive.
• Use cash to pay for your purchases – it’s cheaper, and you’ll be debt free!

22.  If you must have a credit card…

In some ways, it can be handy to have a credit card. For instance, imagine your tire blows out on the interstate. You don’t have cash on hand to fix it … but you need to get to work!

Don’t carry your credit card in your wallet. Instead, keep it in a safe deposit bank at the bank. Have your mom hang on to it for you. Whatever you do, don’t keep that credit card accessible! If you must have a credit card for unexpected emergencies, be sure it’s in a place where you’ll really have to think before you access it.

• Credit cards may be okay to have in case of emergency.
• Don’t keep your credit card on you. Give it to your mom, or keep it in a bank deposit box.
• Be sure your credit card has no annual fee and a reasonable interest rate.

23.  You can save money by saving money.

Sound dumb? It’s not! Commit to yourself to put aside a portion of your paycheck each week and put it in a savings account. It doesn’t have to be much – say just 5% or so. Even if you only make $20,000 each year, that’s $1,000 you’ll have saved up by year’s end … plus interest you earn!

Shop around for the best interest rates. Check local banks which may have incentives for community members. Make sure there are no hidden fees associated with your account. As an example, some banks require a minimum balance to avoid a monthly charge.

Then, start saving! Cut up the debit card or access card associated with the account so that you’re not tempted to access the money. Better yet, have a family member you trust open the account jointly with you. Then, choose an account that requires two signatures to withdraw.

No matter how much money you put aside, that’s money you didn’t have before. Use it as an emergency fund, or commit to that money as a budget for a weekend getaway.

24.  Try cashback programs.

In some parts of the world, you can find really cool cashback programs. These might be apps for your phone or they may be online shopping programs. Regardless, they offer great opportunities for saving money and for earning back a portion of the money you do spend.

In my area, we’ve got an app for cell phones. You’ll shop through the app to earn anywhere from 1-10% back on purchases. Once you reach a threshold of $20, you can withdraw (with no penalty!) to your PayPal or bank account.

Find out what’s available in your area, then read the terms and conditions. Note any hidden fees and skip the ones that charge you to withdraw. Most importantly, don’t spend money for the sole purpose of earning cash back! That’s counterproductive, and not a good way to save money.

• Your local area may have cashback apps or websites that can be useful.
• Be sure to read the fine print before you sign up.
• Don’t spend money on purchases just to get cash back.

25.  Join birthday clubs.

You’re probably going to go out for your birthday. It just can’t be helped. But there are plenty of restaurants and other retailers that offer incentives to subscribers – you can earn free meals, free drinks and more just by getting a year older!

To join birthday clubs, first create a new email account. Many retailers send a lot of emails and you don’t want your inbox overwhelmed. Then, simply provide that email address and your date of birth on your favorite restaurant’s website. Enjoy your cake!

26.  Bring your phone to the store.

Okay, this one might make a few retailers irritated. But the next time you go shopping for an essential, bring your phone along with you.

Let’s say, for instance, that you need a stroller for your baby. You visit the local big box store and find an item you really like. Take out your phone and do a quick Google search for the product name. Then, under the “shopping” tab, scroll through the available buying options. Are there any of that model available for cheaper online? Don’t forget to include any shipping costs.

When you bring your phone with you, it’s a great opportunity to look at reviews of the product, too. After all, it may be inexpensive but if it’s going to break in a month it’s probably not worth the money.

• If you have a smartphone, it’s a great way to price compare while you’re at the store.
• Products can be searched online to be sure you’re getting the best deal.
• Don’t forget to consider shipping costs.

27.  Join a wholesale club.

All around the world, there are large warehouses called wholesale clubs. These clubs charge members an annual fee – say, $50 – but then offer goods in bulk at cost.

The membership fee is an upfront cost you’ll have to consider but generally speaking, these clubs save you a ton of money on things like food, toilet paper and even prescription medications. As in the case of the couponing diva mentioned above, make sure you’re only buying products you’re actually going to use. Money spent on wasted items isn’t a good deal, no matter how much you paid.

• Wholesale clubs do cost money, but the savings may be worth it.
• Consider how much of a particular item you use. Everyone needs toilet paper. Then shop accordingly.
• Remember that buying in bulk isn’t saving if you’re not going to use the product.

28.  Pay your bills online.

If you’re the type to mail in a check every time the electric or rent is due, stop! Instead, check to see if there’s an online bill pay option. Paying your bills online will save the cost of checks, postage and mailing supplies.

That said, don’t rely on calling customer service to pay your bills. Many companies charge an additional fee to pay with a customer service representative, and that $3 charge per payment adds up to a significant amount of money over the course of a year.

An even easier option is to pay via mobile app. Some credit cards, banks and even rental agencies have apps for your Android and iPhone that allow you to pay your bill via app – at no cost to you.

29.  Join a credit union.

Banks are expensive. There are ATM fees, overdraft fees and monthly maintenance charges. Avoid many of those fees and charges by joining a credit union!

Most credit unions allow customers to withdraw cash fee-free at select ATMs. They also, in case of an occasional accounting error on your part, offer “fee free” days, where there’s no overdraft charge assessed for going a few into overdraft. Overdraft protection is another service credit unions offer.

Some credit unions will charge a small fee for membership. This is usually about a dollar each month, which goes into a community fund. That’s $12 per year, sure. But it’s much more affordable than, say, if you were to withdraw cash at a $3 service fee ATM once per month!

• Credit unions offer tons of incentives for community members.
• These banks offer free ATM use, overdraft protection and low interest rates on loans.
• Some credit unions do charge a small fee, but it’s negligible.

30.  Join the library.

Do you think of the library of a stuffy place, one with librarians who hush you and old men who look down their nose at you?

Think again! Visit your local library – you’ll see! Libraries have begun to come into the 21^st century. They’ll loan you books, sure. But you can also check out movies, magazines and even electronic devices, like tablets!

In addition to loaning you materials, libraries offer social opportunities. You can take a free class, or join a reading group to chat about your favorite books. When you come home, visit your library’s website and link your card to an account. You can actually check out the digital versions of magazines or ebooks!

• We live in a digital age and it’s easy to overlook the library.
• Libraries aren’t just about books! You’ll find DVDs, music, magazines and even tablets available.
• Library membership is free, and many offer free ebooks as well.

Saving Money on Clothes

31.  Shop the thrift stores.

Shopping thrift stores doesn’t mean wearing rags. Just the opposite is true, in fact. Shopping Goodwill, Salvation Army and other thrift shops means you can wear name brand clothing at prices that are ridiculously low.

Visit the “higher end” neighborhoods where wealthy people have donated their items. You’ll find tons of barely used, upscale clothing for just a few dollars each! Look online, too. There are many sites where users can list clothing and other items for sale for a fraction of the price. From winter coats to car parts, you can find just about everything online!

• Shopping thrift stores is fun – and cheap!
• Know where to go. Check the thrift shops in the “upscale” neighborhoods for the best deals.
• Thrift stores aren’t just stores – they’re websites, too.

32.  Saving money on school uniforms.

Let’s face it: if you’ve got kids who require school uniforms, the cost of those clothes really adds up, and fast! Kids have this habit of growing like weeds, and can change clothing sizes two or three times in one school year.

Start a parents’ bulletin board, either online or at your kids’ school. Allow parents to post their children’s gently loved clothes for sale and offer them to other students.  The same goes for sports uniforms like baseball gloves or shin guards, and with club uniforms like scouts or other groups.

By pooling together with other parents, you can save a ton of money on kids’ essentials, even as fast as they grow!

33.  Repair your old jeans.

It happens to the best of us. You’ve got a favorite pair of jeans, and after years of wear and tear, they finally start to fall apart. Maybe a belt loop break because you’re constantly lifting them up. Or maybe you’ve started to get holes along the inseam.

Don’t buy a new pair – you can actually just repair your faves! Check out this YouTube video that shows you how.

It’s not just jeans, either. With a little bit of creativity (or a good Pinterest search) you can repair tops, jackets, skirts and even your work clothes with just a little bit of thread and a needle.

34.  Shop the clearance racks.

Most retailers will deeply discount clothing once a new season begins to arrive. So, what’s the best time to buy a swimsuit? In the fall!

Most adults can pretty accurately predict what their size will be the following year. If you’re a size 10 now, there’s a good chance you’ll be a size 10 next year, too. So once the season ends, it’s time to hit the clearance racks.

For kids it might be a little more difficult. But, generally speaking, you can guess the next size up for a younger child. If your toddler is a 2T this summer, she’s probably going to be a 3T next summer.

• Especially for young children and adults, clearance racks are a great place to find good deals.
• Shop in the off season for the best discounts – for example, find great swimsuits in October!
• Tweens and teens may be a little more difficult to buy for, as they grow differently.

35.  Shop the consignment stores.

This one might be pretty obvious, but it’s a good way of saving money on children’s and maternity clothes. Consignment stores offer very inexpensive clothing – it’s a fraction of the price of buying it new. Along with clothing, you’ll find baby accessories, books and toys.

But don’t forget to bring in your old clothes! Bring in clothing that’s too small for your kid and have the consignment store price them for you. Then, take the store credit. Consignment shops offer more in store credit than they’ll pay in cash. So, while that $5 for the pajamas is tempting, it’ll stretch further as $8 in store credit.

• Particularly for babies, consignment stores are a great place to find deals.
• Consignment stores sell maternity clothes, toys, strollers and more.
• If you can use it, opt for the store credit. You’ll earn more when selling your kids’ clothes.

36.  Buy discount gift cards.

Have you ever considered buying a gift card – for yourself? There are tons of sites online that offer gift cards at discounted prices. Let’s say you’re a frequent shopper at Walmart. Go online to one of the gift card resellers and check out your options. You’ll find cards for sale that cost less than their face value. For example, a $50 card for $40.

Only buy gift cards if you shop the stores anyway. Remember: it’s not saving if you shouldn’t have spent it in the first place.

37.  Generic is okay for basic items.

Even the most fashion-forward people will tell you: buying generic t-shirts, underwear and socks is quite fine. They’re definitely items you’ll want to buy new rather than used. But when you do buy new, look for the cheapest.

You’ll find inexpensive basics at sites like Amazon and in retail stores like your local wholesale club or big box stores. Even dollar stores and pound stores sell items like socks for a tiny fraction of what you’d pay for the big name brands.

38.  Start a swap group.

I understand that this option isn’t available for everyone. Maybe you don’t know a lot of people, or you’re an uncommon size, like petite or very tall. But if you can, why not host a clothing swap group?

You can do this online or in your local area; and your church or community center might already offer an option like this! Once every few months or once each season, gather everyone together for a drink or two and have them bring all the clothes they no longer want. Then, let the swapping begin.

I love this idea for kids. Get all your friends with kids similar in age to yours together. Let them go run around the playground while the parents swap clothing sizes around. You get to socialize and your kids get new clothes!

39.  Don’t forget garage sales.

It’s true that many people donate their clothes to thrift shops when they don’t want them anymore. But don’t overlook garage sales. Many people would rather make a quick buck off a few old pairs of jeans than donate them. And some people don’t have the time or patience for consignment stores.

Check your local Facebook groups, newspaper and community bulletin boards for upcoming yard sales. Most are held on Saturday mornings, so be sure you get up early! Then, get the family into the car and go shopping!

• Many people donate unwanted clothing to thrift stores, but don’t forget yard sales!
• There are penny pinchers like you who would like to make a few dollars from their unused stuff.
• For the best luck, go out early on Saturday mornings to find great deals.

40.  Please care for your clothes.

Don’t forget that the best way to save money is to not spend it at all. If you’re not properly caring for your clothing, you’ll be forced to replace it.

Wash your clothes inside out. Dry them to almost dry, then hang them on a clothesline or drying rack. (This saves energy, too.) And please be sure to follow the care instructions on the tag of your clothing.

Try to avoid buying clothes that aren’t machine washable. Dry cleaning services are pricey!

Saving Money on Entertainment

I’ve touched on entertainment a little bit in this guide to saving money. For example, the library is a great place to begin saving on entertainment. Let’s look at some other steps you can take to save a few dollars.

41.  Make your own alcohol and beer.

What?!

Yes, you heard that right. You can make your own alcohol and beer at home. And while the startup costs do take a little cash, the result is cheap, tasty and “custom” beer that your friends will want to share.

You can find free books at your library about the homebrew process, or you can check out videos on YouTube and other online video sites. There’s definitely a learning curve to the process, but once you get it down pat, you can drink for pennies on the dollar!

• There’s a learning curve, but you can learn to make your own beer and alcohol!
• Be sure you read up on the process before you begin.
• Making your own beer is a great activity for you and your friends! Create custom blends and have fun!

42.  Skip the coffee shop.

Just as you can make your own beer and alcohol at home, you can brew your own coffee… but you knew that. We talked for a bit about the cost of buying a cup of coffee at the local coffee shop each morning. But we didn’t really talk too much about actually visiting and spending time at the coffee shop.

Now, I understand that coffee shops are kind of a hang out place. But certainly you have other locations in your area that are great places to chill, study or chat with friends. Why not bring your own coffee?

Visit the park, or go mall walking. (Leave your credit cards at home!) Bring an insulated mug of coffee with you.

The same is true for work. Ask your boss if it’s okay to install a coffee pot in the break room. Each team member can pitch in for a container of your favorite brand of coffee. It’s much less expensive than driving to the coffee shop and buying that $3 cuppa every day. Just remember: You finish the Joe, you make some mo’!

• Coffee shops are super expensive – it’s cheaper to make your own.
• Skip the coffee shop and hang out with your friends in the park or other free location.
• Bring a coffee pot to work and split the cost with your fellow joe drinkers.

43.  Cancel your magazine subscriptions.

That stuff is fake news anyway. Instead of spending hundreds of dollars on magazine subscriptions, just search the web. Think about it. Let’s say you subscribe to a cooking magazine. You see this great recipe for fettucine alfredo, so you clip it out and put it in your recipe book. You make the recipe, and either love it or hate it.

Hate it? It goes in the trash. Love it? You make the recipe again and again until you know it by heart. Either way, that six dollar magazine gave you a recipe you could just as easily have found online by doing a simple Google search.

It’s not just recipes, either. Today, you can find just about anything you’re looking for online. Can’t live without your subscription to Popular Science? If there’s something you just can’t miss each month, check to see if the magazine offers a digital version of the subscription. Digital subscriptions are a fraction of the cost of paper ones, and much better for the environment!

• Magazines are expensive, and they’re bad for the planet, too.
• Most people can find what they’re looking for with a simple Google search.
• If you must subscribe to a magazine, get the digital version.

44.  Buy used kids’ toys.

When you think about it, most kids will revert to imagination anyway. They’d be happy with a box and a stick if that’s all they had!

But I know you want your kids to have proper toys. Don’t buy them new – go used. Consignment stores, thrift shops and even online retailers like eBay sell kids’ toys for much less than you’ll find them for in retail stores.

Share with friends, too! If you have friends with kids close in age to yours, swap toys around so the toybox is never the same. No more boredom!

45.  Check for free admission days.

Most museums, parks and other entertainment venues offer free admission days, where anyone can visit. Those days might be a bit more crowded than the norm, but that’s okay! It’s worth it to not have to pay ridiculous admission charges.

If you’re in the United States, check out your state’s “free fishing” days, too. Every state has one or two days each year where you and your family can fish for free – no license required. It’s usually catch and release, but it’s a great way to entertain your family. Borrow some tackle from a friend and hit the water!

• All around the world, museums, parks and other venues offer free admission days.
• Don’t stick with just museums! Check free fishing days and other events, too!
• Free days are often more crowded, but the savings is worth it!

46.  Volunteer.

Concert and theater costs can add up quickly. Instead of paying for tickets, why not volunteer at the event? Check your local venue and see what opportunities are available. You could pass out programs, sweep the floors after the performance or even hand out champagne to theater-goers. You’ll probably have to do something, but you’ll also get free admission.

Don’t forget about music festivals, too. Often these festivals require people to pick up the occasional stray cup or help direct parking. See what you can do, and enjoy free festival admission. Sometimes you’ll get free or discounted food and drinks, too!

47.  Pool babysitting resources.

Going out with friends costs money, and that cost is even higher when you factor in babysitting. Start a babysitting pool with your friends. For example, on the first Friday of each month, Jill will stay home with the kids. Then, on the second, Jack will watch the little ones while Jill joins the group.

You can look into having older children watch the younger ones, too. But make sure you don’t take advantage of them – paying them in pizza doesn’t count. You can offer them a lower rate per hour than you can with professional nannies but do be sure you offer them money.

• By pooling babysitting resources with friends, you’ll save a lot of money.
• Consider rotating babysitting responsibilities within your group of friends.
• You can hire older kids to look after the littles, but don’t skimp on paying them!

48.  Don’t overlook your affiliations.

Did you graduate from university? Do you belong to an auto club? Maybe you’re a military member or a senior. All these “memberships” can help you save money – but you have to ask!

When you eat out, visit a movie or even shop for clothes, be sure to ask customer service if there are discounts available. Remember to ask if these discounts are only available on a particular day. And don’t forget about other incentives, like “kids eat free” days.

49.  Don’t pay for music.

Yes, I know that piracy is a crime. That’s not what I’m talking about.

Think about it: when was the last time you loved a song on the radio. You went and bought the album, only to discover that about 88% of the music on the CD was music you hated? It happens a lot.

Rather than buying full albums, just sign up for a free account with a music streaming service. Sites like Pandora and Spotify offer music for free – and you can tailor your “radio station” to meet your specifications. For instance, if you search for Chopin, your station will play artists like Beethoven, Mozart and others, in a style you love. Don’t like a song, just give it a thumbs down and your app won’t play it again.

• Paying for music is so last year! Stream it instead!
• Don’t steal music. That’s definitely not legal.
• There are many free music services you can find on your iPhone or Android and you’ll even learn about new musicians by using them.

50.  Check out amateur sports.

You may be a huge college basketball fan, but those games can add up. Between parking, drinks, food and tickets, you’re going to pay a lot to go to a game.

Instead of dishing out your hard-earned cash to go to professional or college sporting events, check out your local amateur games or high school athletics. In some cases you’ll still have to pay a small admission fee, but it’s considerably less expensive than attending professional sporting events.

Alternatively, consider joining a league! What could be more fun than watching a game or match? Participating in one!

Saving Money on Cars and Transportation

For some people, car ownership is a must. In rural areas you may not have access to public transportation, or maybe you have to travel frequently for work. Here are a few ways you can save on the cost of owning and using a vehicle.

51.  Replace your air filter.

Did you know you can change your car’s air filter? It’s really easy to do – just open the hood, lift the compartment and switch the new for the old!

Replacing your air filter improves the longevity of your car, but it’s got other benefits as well. For instance, did you know it can improve your gas mileage? It can also improve your acceleration and reduce your emissions. (That’s great for the planet!)

Air filters are very inexpensive and you can find them in your local big box or auto supply store. Don’t pay a mechanic labor costs to do it for you – replace your own air filter. Don’t forget to replace the cabin filter, too! Check YouTube or your vehicle owner’s manual to find where each filter is located.

52.  Check your tires regularly for inflation.

Have you ever noticed those numbers on the side of your tire? You probably know that some of those numbers indicate your tire size. But what about the rest?

On every tire is another number: the appropriate tire pressure for your particular brand and size of tire. Keeping your tires properly inflated can save you money. First, it will reduce the wear and tear on your tires. Secondly, it will decrease the risk of accident and blowouts. Finally, keeping your tires inflated to the proper pressure will boost your fuel economy.

Your local gas station will have a tire pressure gauge right at the air pump. Alternatively, invest a few dollars at your auto supply store and keep a pressure gauge in your glove box for periodic checks.

• Improperly inflated tires can be very expensive in the long run.
• Keeping your tire pressure correct will reduce wear and tear on your vehicle.
• Proper tire pressure also increases your family’s safety!

53.  Don’t speed.

This one goes without saying. Don’t speed; it’s just not safe. But there are other reasons, too.

When you speed, you lower your vehicle’s fuel economy in some cases. Secondly, what about that ticket? That ticket will cost you money – fines and court costs, plus the cost of an attorney. Then, your insurance costs will go up after you get a speeding ticket!

Just don’t speed – it’s not economical.

54.  Buy a smaller car.

When your kids were smaller, maybe you felt you needed that minivan. But what now? Do you really need a big car?

That doesn’t just go for parents, either! Larger vehicles aren’t generally as fuel-efficient as the smaller models. That’s especially true for AWD and 4WD models. Consider downsizing to a smaller vehicle to save on fuel costs.

• Is the 4WD vehicle really necessary? When was the last time you went off-road?
• Consider downsizing your car to save on fuel and other expenses.
• Parents with children can usually get by with a mid-sized sedan or wagon.

55.  Carpool or share a car.

Assume for a moment that someone in your neighborhood works on the same street you do. Why on earth would you take two separate cars to work?

Consider sharing a car with someone, or setting up a carpool with a small group. Sharing a vehicle saves on fuel, but also on insurance, taxes and registration! If you can’t find anyone in your workplace who wants to share a ride, take to the internet. You can find locals on Facebook and other groups who may be interested.

56.  Use public transport.

This one kind of goes without saying. If you have a bus route, train or other means of public transportation in your area, use it! Many bus routes don’t cost a thing, and even subway and train tickets are cheaper than car ownership.

Love close to work? Walk! You’ll be doing your health a service, too. Save your car for days when it’s raining or blustery outside, and spend your commute in the great outdoors.

• Public transportation is free in many places!
• If you don’t have free transit in your area, why not walk?
• Even walking to the bus stop can improve your health and get you a bit of exercise.

57.  Change your own oil.

Just as you can change your own air filter, you can learn to change your own oil. I don’t recommend getting under your car if you have no idea what you’re doing. But if you have a friend or family member who can teach you, I highly recommend you change your own oil.

Oil changes at the mechanic aren’t necessarily very costly, but they do add up. Once you buy the initial supplies, your future oil changes will literally cost as much as the price of five to six quarts of oil. That’s about half the price of a mechanic’s oil change.

58.  Evaluate your car insurance.

Every six months or so, shop around for car insurance quotes. You can visit individual insurance agents’ sites, or you can use a price comparison tool online. The point is that you may be spending too much on your insurance.

There are companies that offer a discount for “safe driving” – that is to say if you remain accident-free, they’ll lower your rate. You can also find companies that will offer you a discount based on your military status, alumni association or motor club membership.

Shop around, and be sure to also check out your location’s minimum insurance requirements. If you’re not driving much, you probably don’t need the $500 deductible – you could likely get away with a $2,000 deductible. Buying the minimum insurance can save your hundreds each year.

• In many cases, the state or local minimum is just fine for insurance coverage.
• For people who don’t drive regularly, a higher deductible will save on monthly insurance costs.
• Shop around the insurance companies – many offer discounts based on your driving record, your affiliations or even your military experience.

59.  Buy used, and pay cash.

You’ve heard it said before – your new car will depreciate the moment it leaves the lot. In fact, once you sign on the dotted line your vehicle has already decreased in value.

Avoid that depreciation in value and buy used vehicles. Check Kelley Blue Book and other third party services to determine whether you’re getting a good deal, and always try to pay cash for your vehicle. Financing an auto will cost you thousands of dollars in interest. Furthermore, you don’t actually own your car until that last payment is made.

You don’t need a luxury car. You need something that will get you and your family from here to there. Shop around for affordable options that are used, then finance as little as possible.

60.  Buy a bike.

If you commute out of town, I can see how a car might be a necessity. But what about those local trips? Could you use a bike?

Visit your thrift shop and see if you can find a reliable bike for cheap. Then, use your bike for those shorter trips. Go to the park, the library… heck, you can even ride your bike to your dental exam. Keep the car parked and save money.

61.  Ask for mileage at work.

If you have a job that requires you to drive frequently, be sure to check whether your employer offers mileage reimbursement. The standard reimbursement offered by companies is more than enough to cover your fuel costs. It also covers wear and tear on your vehicle.

If your employer doesn’t offer this option, talk to a tax professional to see if you can deduct transportation expenses on your tax return. In most cases, if your transportation is directly related to work these costs are deductible and can save you money on your taxes.

• If car travel is necessary for your job, be sure to ask for mileage reimbursement.
• If your employer doesn’t offer this, you can usually deduct these expenses on your taxes.
• Save that reimbursement money to maintain your vehicle.

62.  Find the best gas prices.

Have you ever noticed that two adjacent gas stations may have two very different gas prices? Even more than that, two different geographical locations can vary even more greatly!

Shop around for the best gas prices! Use an app like GasBuddy or Waze to find user-submitted gas prices, and drive to the location that offers the lowest per gallon rates. And don’t forget those gas station loyalty cards. Many cards will offer discounts of as much to $.25 per gallon if you frequent a particular brand of service station.

Do skip the gas station credit cards, though. They may offer cash back for gas purchases, but you’ll end up spending that savings on interest charges. Pay cash for your gas, every time.

• Join your local gas station’s loyalty club to save money on fuel.
• Don’t apply for the credit card – the interest rates are high and you’ll spend more money.
• There are many apps that will point you to the lowest fuel prices in your area.

63.  Consolidate trips in the car.

How many times have you run to the grocery store, only to go back out later to pick up your kids from school? Don’t do that – instead, consolidate your trips. There’s nothing saying your kids can’t go to the grocery with you, or that you can’t spend a few minutes at the store before you get into the pickup line.

Consolidate with members of your household, too. Drop your husband off at work, then use the car to go to the library. Doing all your driving at once can help you save on unnecessary fuel costs.

64.  Turn your car into a home.

Okay, this one’s not for everyone. But there’s nothing saying it couldn’t work for you! Why not consider converting your large vehicle into a mobile “tiny house?”

It’s not as bad as it sounds! Check out this video of one woman who erased all her student loan debt by converting her van into a comfy home, complete with solar panels. Living in a car or a van doesn’t sound appealing to you? Why not downsize to an RV or a camper? You won’t believe the savings!

• Living in your vehicle isn’t always an option – but it’s a cheap one if you can swing it!
• Car living doesn’t mean homelessness – you can customize your vehicle to suit your needs.
• If a car or van doesn’t suit your needs, why not get a camper or RV? It’s cheaper than a new home or rent!

Feed Your Family on a Budget

I shared a few tips about saving money on groceries. But in this short section, I’ll talk a little bit about specific ways you can feed your family while saving money.

65.  Always, always pack your lunches.

I metioned this previously, but now I’m talking about the kids! Unless you live in an area where school breakfasts and lunches are free or subsidized, it’s always cheaper to pack your children’s lunches for school.

Assign your older kids to the task of preparing lunches the night before. That way there’s no rushing in the morning – everyone is efficient… and fed!

• Never buy lunches out during the work day. And don’t pay for school lunches, either,
• With a little planning, the whole family can share the responsibility of preparing lunches.
• Prepare lunches the night before to save hassle in the morning.

66.  Prepare your meals in advance.

This takes some planning and preparation, but before long it’s going to be second nature. One day each week, plan a menu for the week. Then, list all the ingredients you’ll need to shop for. Remember to double up! A whole roaster chicken is cheap, but can make chicken plates, chicken salad and chicken tacos. That’s three meals!

Once you’ve shopped, prepare what you can in advance. For instance, cook the chicken and portion it out into storage containers. Label the day of the week it’s intended for, then freeze.

You’ll need to gain a little familiarity with what can be made in advance, but a few good suggestions include:

• Most meats
• Beans
• Eggs (yes, these freeze!)
• Quinoa and rice
• Veggies
• Fruits

Even with just this list, you can make a killer chili on Saturday, then freeze it to serve later in the week.

So how does this save you money? Well, first it will eliminate that “I’m so tired I’ll just order a pizza” feeling. Secondly, you’re stretching your food dollars. That chicken, for instance, will make three meals instead of just one.

67.  Invest in tools.

To prepare your foods in advance, you’ll need a few basic tools. Consider buying (used):

• A Crock Pot or Instant Pot
• Tupperware in various sizes
• Plastic or reusable freezer bags
• A large stock pot and roasting pan
• Vacuum sealer

Having what you need when you need it will make advance food prep a breeze.

68.  Buy a bigger fridge, or a deep freeze.

(And remember – don’t ever buy new.)

Visit your neighborhood thrift store or check the classifieds to find a larger refrigerator or a deep freeze. The extra room will allow you to stock up on grocery essentials when you find them at a discount. You can now go to your warehouse club and buy 10 pounds of ground beef rather than just one or two.

Don’t stop there, though. Check with local farmers and hunters to see what they have to offer. Now that you’ve got that huge freezer you can literally buy a quarter of a cow or deer at a huge discount.

• Consider buying an inexpensive, used fridge or deep freeze.
• Buy in bulk – meats, veggies and more can be stored in your new freezer.
• Check with local farmers and hunters for great deals on game meat and livestock.

69.  Skip the takeout.

There are going to be nights when you’re just too darn tired to cook. Maybe something came up over the weekend and you didn’t get all your meals prepared. Should you head to your local pizza joint or McDonald’s?

No!

You’ve got options! For example, you could have breakfast for supper. Eggs and pancake mix are super cheap, and super filling. Or you could have tuna pasta salad. Cook some bowtie pasta, add a can of tuna, some chopped onion, some frozen peas and a bit of mayo or ranch and you’ve got a meal.

Always use what you have, and be sure you keep some staples around the house. Stock your pantry with cans of soup, tuna, pasta and rice so that you’ll always have something on hand.

• Quick meals don’t have to mean takeout or fast food.
• Keep staples like tuna and rice on hand for nights when you’re too tired to cook.
• Breakfast for supper is a very inexpensive option.

70.  Know what the “cheap staples” are.

There are a few very inexpensive items you should keep in your home at all times. Some of these include the following:

• Dried beans (they’re even cheaper than canned)
• Eggs
• Pancake mix
• Uncooked rice (minute rice is fine)
• Pasta
• Bread (even if it’s a little dried, it makes a great French toast!)

And don’t forget to stock up on spices! You can buy these at the dollar stores, and a little spice can make even the most boring foods brilliant!

71.  Drink water.

It’s free. Plus, it’s good for you. You should be doing this anyway.

72.  Create your own fast food burger.

Every now and then, you might crave a fast food burger. Don’t run to the restaurant – instead, make your own at home!

Do a Google search for your favorite burger. For example, “Wendy’s Burger Recipe.” Then, experiment with the results. You can create your own fast food burgers for a fraction of the price of eating out.

Saving Money on Your Home

Whether you own your home or are renting, there are ways you can cut the costs of basic living expenses. Here are a few things you can consider to save money on your home.

73.  Rent out free space.

If you own your home, you may have a little extra space to rent out. Are you not using that third bedroom? What about the finished space above the garage?

Think about renting the space out. Even if you offer accommodations for, say, a third of the utility expenses, you’ll be saving money on your home. If you’re not comfortable having a stranger in your home with you, you could think about renting out your space as daytime office space instead.

• If you own your home, consider renting out unused space.
• Don’t want strangers spending the night? Rent out office space instead.
• Offer space in exchange for a small amount of rent or a share of the utility costs.

74.  Change your light bulbs.

Changing your bulbs to energy efficient models does come with an initial investment. But energy-saving bulbs last a very long time, and they use 75% less energy than standard bulbs. The savings will depend upon the size of your home, but people have saved up to $20 per month, just by changing out the bulbs. Don’t forget your outdoor bulbs!

75.  Call the electric company.

Most electric companies offer a service to customers. They’ll send a contractor into your home who will do a brief inspection. After the inspection, the contractor will let you know if there are areas of concern in your home that may be bringing up your energy bill.

Maybe your attic’s insulation isn’t good enough. Perhaps the drafts from your doors and windows are costing you money. It’s possible that you’ve forgotten to change the air filters for your central air. Or, maybe your water heater could be turned down a few degrees.

These services are free, and can provide you with amazing tips for saving money on electrical costs.

• Your electric company offers very useful resources for saving money.
• Most electric companies offer a free consultation to tell you how to save on energy costs.
• Sometimes very simple fixes, like boosting your attic’s insulation, can save you hundreds of dollars.

76.  Unplug your stuff.

Did you know that, even when not in use, your electronics can draw power? That costs money! Consider unplugging phone chargers, televisions and computers when you’re not using them. Too much work? Hook them up to a surge protector to help conserve energy costs. All you’ll need to do is flick the switch to start saving money.

77.  Wash with cold water.

Obviously, I’m talking about laundry. You can’t wash your dishes very well in cold water.

Generally speaking, you should be washing your clothes in cold water anyway! This helps prevent shrinking and preserve the life of your clothing. That, of course, saves money.

But have you considered what that hot wash cycle actually costs? Skip running that water heater and run your laundry through cold cycles instead. You’ll save money and protect your clothes at the same time!

78.  Reconsider paper products.

We’ll look at this a little more in the “going green” section of this guide. Specifically, here, I’m talking about paper towels and toilet paper.

When you shop for these two essentials, buy in bulk! Look at the price label closely, and choose the brand that offers the highest number of sheets (or weight) per dollar. To put it another way, that one dollar roll of toilet paper is appealing – it’s cheap! But if it only offers 50 feet of tissue as compared to the 100 feet of the $1.50 roll, it’s not a bargain.

• Paper towels and toilet paper are things you’ll likely use up.
• Buy in bulk to save money over the long run.
• The initial costs are a bit more, but these items won’t go to waste!

79.  Research your cell phone plan.

That unlimited data plan may sound like a good deal. But how much data are you actually using? What about the provider you use? The big names in wireless generally cost much more than prepaid plans.

Did you know that most prepaid providers use the same network of cell towers as the bigger names? It’s true! So you’re going to get the same coverage with, say, Boost as you will with Sprint. Look into your service plan and figure out whether you really need what you’re paying for.

As for that data plan? If you have wireless internet at home, you don’t need it. Skip the extra charge and connect your phone to your home’s wireless network.

• Not everyone needs a smartphone. That’s particularly true for kids and teens.
• Prepaid wireless plans are usually cheaper than the “big names” in wireless.
• Prepaid plans use the same cell network as the bigger names – for less money.

80.  Sell a vehicle.

This one’s simple! If you have two cars, but could do with just one, why not sell the other? You’ll have a little extra cash in your pocket, and you’ll save money on insurance, registration and taxes. Plus, it’s better for the environment to carpool with family members!

81.  Consolidate and refinance your loans.

There’s a good chance that you’re reading this because you’re up to your ears in debt. Whether that debt comes from student loans, a mortgage or auto payments, you can start saving money by consolidating those loans.

Loan consolidation usually does require at least marginally good credit. But once you do, the principal amounts on your loans will be combined, and you’ll pay much less in interest.

In some cases, you can refinance. Your auto loan and your mortgage may be eligible for lower rates if you refinance them.

• If you have a mortgage, a car note or student loans, you can save money by refinancing.
• Consolidation is an option that will allow you to save on interest.
• Shop around for the best rates.

82.  Manage your subscriptions.

We talked about paying for cable and magazine subscriptions. But what about that other stuff? Do you need the audiobook subscription as well as the streaming video service (or three) and your gym membership? Pick just one or two that you feel you can’t do without. You could save as much as $50 per month by cutting down on your subscription media.

83.  Never pay for trash pickup.

If you live in a rural area, there may be services which offer the convenience of picking up your trash weekly. Skip that. Instead, run the trash by the landfill on your way to the grocery store. It doesn’t take but a minute, and you can control your recycling that way, too. Trash pickup is a luxury – an unnecessary expense that you can do yourself.

• Don’t pay someone to take your trash unless you have to.
• In cities, this is usually a necessary expense. In rural areas, you can do it yourself.
• Trash and recycling are expensive, unnecessary costs.

84.  Learn how to DIY.

Speaking of doing it yourself, there are many household jobs you can do yourself – you don’t need to hire a contractor. Some of these things include:

• Pool treatment and winterizing
• Gardening and landscaping
• Leaf composting
• Window washing
• Gutter cleaning

Of course, if you have health concerns that prevent you from doing these things, do call some outside help.

85.  Volunteer for Habitat for Humanity

Hear me out. If you have a Habitat for Humanity in your area, consider volunteering with the non-profit. First, you’ll get to meet people and it’s actually quite a social experience. Secondly, you’re going to learn some insanely valuable skills you can use to improve and maintain your home.

Some of the skills you’ll learn that you can use yourself are:

• Basic plumbing, such as how your drains and septic work
• Installing flooring
• Painting, both exterior and interior
• Installation of insulation
• Installing and repairing drywall
• Updating cabinetry

And that’s just a sampling! I don’t recommend you mess too much with electrical work or plumbing. Those are tasks you should outsource to a licensed professional. But there are many things you can do yourself to fix or improve your home and save a load of cash.

• Habitat for Humanity is a non-profit organization that allows volunteers to help build homes.
• You can learn valuable “construction” skills through volunteering.
• Some household tasks are better left to the pros, like electrical and plumbing.

Save Money by Going Green

I mentioned earlier in this guide that going green is usually associated with pricey organics and elite grocery stores. But that’s definitely not the case. Here are some ways you can start saving money by going green.

86.  Turn off the lights.

This one is very obvious. If you turn off the lights in your home when you leave the room, you’ll be saving energy… and money.

Consider installing timers on your lights, too. These can be purchased for around $4 online or at big box stores. You can set a lamp or even a whole surge protector to go on and off at a designated time. For instance, your computer will shut down at 11 pm, but power will be restored to it at 8 in the morning. Timers are available for both indoor and outdoor lights.

• To save money without thinking about it, put your lights and electronics on a timer.
• Surge protectors are another easy way to turn off appliances and lamps.
• Be sure to turn off the lights when you leave the room.

87.  Turn off the water.

You’ll need to constantly run water while you’re doing some tasks, like dishes for instance. But not while you’re brushing your teeth or when you’re washing your face before bed.

Turning off the water doesn’t make too much difference for your finances if you have a well. But if you pay your municipality for water, it can make a huge difference. Plus, it’s good for the planet.

88.  Take showers, not baths. And make them short.

Strive to take “military showers” – short showers that get you clean. This will conserve water to protect the earth, and will lessen the amount of work your water heater is doing, too.

Skip brushing your teeth in the shower. Men, don’t worry about shaving in the shower. These are both things that can be done – with the water off – at the bathroom sink.

• Showers are cheaper and more eco-friendly than baths.
• Even the shortest showers can get you squeaky clean!
• Save brushing your teeth and shaving for the sink. Women, why not turn off the water as you lather up?

89.  Use cloth diapers.

Disposable diapers are convenient, yes. But they’re super expensive! Cloth diapers require an initial investment but in the long run they’re going to save you thousands of dollars. Consider using reusable wipes, too, opting for the disposable ones only when diapers are particularly messy.

90.  Breastfeed.

If you’re a new mama and are able to breastfeed, do so! You can literally feed your baby for free.

91.  Learn to compost.

There are so many benefits to composting! First, you’re going to virtually eliminate those trips to the landfill. Secondly, it’s great for the planet.

Thirdly, though, your compost pile is great should you begin to grow your own veggies. Vegetables like lettuce and tomatoes are super easy to grow (and free to eat!), and they’re made that much more robust with a healthy dose of composted materials. Most food products can be composted, from corn cobs to eggshells.

• Composting is a great way to dispose of your trash in an eco friendly way.
• Most food items can be composted, as well as paper products and more.
• Once you get the hang of composting, you can grow gorgeous veggies!

92.  Rethink your paper towels.

There’s a good chance that you don’t need paper towels in your home. Unless you’re squeamish about, say, cleaning toilets with a rag, you can get by with some towels and dishrags. You can also repurpose those cloth diapers – they make great cleaning tools once baby’s outgrown them!

Paper towels are devastating to the environment, and they’re very expensive. Try, for a week or so, to go paper towel-less. I bet you can do it.

93.  Share with neighbors.

Do you absolutely need to buy a brand new jigsaw just for that one little project? Do you each need a storage shed in your backyard? How about pressure washers. Do you need two?

Make friends with your neighbors, and share resources. Go in together on tools and other items you need. Not only will you save money, you’ll prevent raw materials from being consumed. Win-win.

• Usually one neighborhood doesn’t really need four pressure washers. Chip in for a tool and share it with your neighbors.
• Forgoing the purchase of new tools and resources is healthy for the planet.
• Consider sharing a storage shed with a neighbor, and use it to stash your community resources.

94.  About that garden…

If you’ve got the space to do it, starting a garden can save you thousands of dollars on groceries. Nervous that you don’t have a green thumb? You can start small. Try an indoor windowsill herb garden and grow the essentials: chives, thyme and a few others. When you feel more confident, go big outdoors.

Be mindful of deer, bunnies and birds. Even squirrels love to eat your produce! Skip the expensive pesticides that are harmful to animals, though. Most animals can be deterred with a simple spray containing pepper sauce.

95.  Create DIY cleaning products

Retail cleaning products are expensive. But did you know you can make your own? Here’s an idea of what some super cheap ingredients can do for you.

• Vinegar is an awesome glass cleaner. Use old newspapers for a streak-free shine.
• Olive and vegetable oil, mixed with a bit of vinegar, is a great furniture polish.
• Lemon juice is a natural disinfectant.
• Mix baking soda and vinegar for a bubbly bathroom and floor scrub.
• Essential oils smell great and most can be added to your cleaning products. Some are antibacterial, like rosemary.
• Vinegar and table salt combine to make a glass cleaner.
• Baking soda and water kill odors when sprayed.
• Borax deters ants and is a great alternative to Comet and other scrubs.
• Non-gel toothpaste removes water rings from furniture and countertops.

Take a few hours and do a little research online. There are tons of resources to give you ideas for mixing your own cleaning products, saving you a lot of money. Plus, it’s safe for the planet and your family!

96.  Make your own beauty products.

Just as you can make your own cleaning products, you can clean yourself with homemade products, too. Try:

• Apple cider vinegar as a hair rinse
• Raw egg as a hair conditioner
• Oatmeal to cleanse and exfoliate your skin
• Coffee grounds to exfoliate your body
• Warm milk to hydrate rough hands

Again, a Google search will tell you all you need to know about saving money on beauty products.

97.  Use reusable products.

We throw a lot of things in the trash that we don’t need to. There are “reusable” versions of most products available out there, from drinking straws to chopsticks. Here are a few ideas:

• Buy a reusable lunchbag as an alternative to paper bags
• Try washable plastic baggies that can be used for years
• Invest in an insulated coffee mug instead of paper or Styrofoam cups
• Get a BPA-free water bottle and skip the store-bought bottled water
• Find reusable silicone or stainless steel drinking straws
• Opt for rechargeable batteries
• You can even find stainless steel chopsticks!

If you must buy disposable products, consider getting those made from compostable materials. Bamboo is a great example of this.

Saving Money While You Travel

If you’re trying to pinch pennies, you may not get to travel too much. But if you do, or if you travel for work, you should do it in the cheapest way you can! Here’s how to save money while you travel.

98.  Research the area.

Always know where you’re going before you go. Look at the local restaurant options, the hotels in the area and public transportation schedules and options.

If you’re traveling on vacation, you should price out hotels and bundle them with your car rental or flight. Better yet, find the best route to your destination via car and drive the whole family there. It’s much cheaper!

Consider joining a travel club to take advantage of discounts. Feel free, too, to check out “sister” museums and zoos to ones you belong to. Some locations offer free admission to members from out of town.

• Know what’s in an area before you travel there. You’ll save money on groceries, restaurants and even attractions.
• Bundle your hotel, car and airfare to save more money.
• Does your travel club, military affiliation or other group offer discounts? Use them!

99.  Get reimbursed.

If you’re traveling for work, find out what your employer is willing to reimburse. Generally your company will cover the cost of flight, hotel and rental car with some stipend for meals. Know this before you travel to avoid surprises. Then, don’t forget to fill out the paperwork to get your money back.

100.  Book the right hotel room.

You’re going to save a lot of money if you can get a hotel with a mini kitchen. You can run to the local grocery, grab a few fresh foods and cook them right there in your suite. Opt for a room with a refrigerator and a freezer, and don’t forget to request a room with a coffee pot!

• Shopping for groceries on your vacation will save you hundreds of dollars.
• Book a room with a mini fridge at the least, a mini kitchen for the most ideal situation.
• Find a hotel with in-room coffee pots or complimentary coffee in the lobby.

101.  Eat where the locals eat.

No matter where you live, there are people who live nearby. That said, many destinations include locations that will jack up prices, knowing they’re tourist hotspots.

Ask the clerk at the front desk where he or she eats with the family. I promise you – it won’t be one of those overpriced joints! Feel free to ask people you meet on the bus or on the street, either. They’ll give you the best tips for affordable places that won’t break your wallet.

• Local residents are your #1 best resource for money-saving tips.
• Ask your hotel clerk or concierge for the most affordable dining and entertainment options.
• Don’t be afraid to ask people as you sightsee!

102. Don’t check your bags.

Staying at a hotel with a laundry room will ensure you don’t incur the expense of checking bags on a plane. Yes, the laundry service might cost, but it’s generally cheaper than paying the airline. You’ll also ensure your luggage doesn’t get lost.

103. Don’t fall for the rewards trap.

Airline and hotel rewards can be enticing, and they can be useful! But sometimes they’re little more than a trap. For example, let’s say you’ve found a hotel that offers a free night after you stay a week. That hotel costs $100 per night. You’re investing $700 to get $100 in return.

Now, say there’s a neighboring hotel that offers rooms for $80 per night. Even if you were to stay eight nights at that second hotel, your final cost would be cheaper than the $700 you’re spending at the first.

Do the math before you book, and go with the overall cheapest option.

• Rewards programs on flights and hotels are great – in theory. But be sure you do the math.
• Sometimes the hotels with no rewards programs offer the best deals.
• Don’t book hotels or flights just to get rewards points you’ll likely never use.

104. Buy a city card.

Particularly if you’re traveling in Europe, a city card can save you hundreds of dollars. You’ll be able to visit popular destinations for free as well as take advantage of free public transportation. Some offer discounts on dining and other expenses, and most will provide you with a free map and guidebook.

City cards are most popular across Europe, but other destinations offer them as well. As I mentioned, always know before you go – researching city cards should be a part of that!

Saving Money on Kids

Kids are expensive. From diapers to college, they cost parents a ton of money, but there are ways to make parenthood cheaper while still giving your kids the things you want to give them. Here are just a few ways you can save money with children.

105. Got boys? Buy a set of clippers.

Heck, you could do this with some girls, too.

Boys’ haircuts are generally relatively inexpensive. But just as their bodies are growing fast, so is their hair! The best way to save money on kids’ haircuts is to invest in a good set of clippers. Choose a name brand like Wahl and make sure it’s got several blade guard options. Make sure your child’s hair is washed, dry and combed, then attach a blade guard and go to town. You literally can not mess this up.

Once you’ve been doing it for a while, you’ll be able to experiment with styles, like fading and even designs. You’ll save hundreds of dollars every year – more if you have more than one child!

• Cutting boys’ hair is super easy with a pair of clippers.
• You can not mess this up, parents.
• Be sure to invest in quality clippers to avoid replacement and frustration later.

106. Play outside together.

I mentioned that most kids are happy with a box and a stick. They’re also happy with a mom and a dad. Get outside and play with your little ones. It’s free! You can take a walk, swing at the park or try something a little more adventurous like hiking or geocaching. Your little ones will get exercise and fresh air, and you’ll get to spend time together.

107. Play board and card games.

Board games and card games are universal… and so much fun! You can find options like UNO, Set, Monopoly and others for just a few bucks at thrift stores. Even if you have to buy them new, they cost very little and will last a lifetime.

Choose games that are appropriate to your child’s age, but don’t be afraid to exercise their brains a little! You never know – your four year old may be advanced well beyond Candy Land. You don’t know unless you try!

• Even brand new board games are cheaper than video games and electronics.
• Playing games is a great way to spend time with your kids… and talk to them!
• Choose games that are appropriate for your child, but don’t be afraid to challenge them!

108. Teach them to save money, too.

Some kids are natural born spenders. Others are natural born savers. But a lot of their habits will come from watching you.

Teach your kids that, for every gift they receive, it’s best to put a few dollars aside. That way, when that video game gets a new update or they see a bike they can’t live without, they’ve got cash in hand to buy it. This saves you money because your kid is buying his own rewards. It also teaches your children valuable lessons that will stick with them for life.

109. Save for college early.

But view it as saving for your child’s future. After all, not all 18 year old men and women will choose to attend college.

The earlier you begin saving for your child’s education, the better off you’ll be in the end. You’ll have money set aside, and will earn interest on that money. Look into college savings plans sponsored by your government, too. For example, check out a 529 plan in the United States or a CTF in the UK.

• Look into your local college savings plans and start early.
• The sooner you begin to save, the better off your child will be.
• Different jurisdictions have different savings options; do your research.

110. Exercise their disappointment muscles now and then.

Just like you don’t need a luxury car or designer handbag, your child doesn’t need a state of the art gaming system or a smartphone. Your child will learn from exercising his disappointment muscles, and will likely come out all the better for it.

• Your kid doesn’t always need the latest and greatest.
• Most kids are just as happy with a used bike as with a new gaming system.
• “Disappointment muscles” are perfectly fine to exercise.

Saving Money on Your Health

Your health isn’t necessarily something you want to skimp on. And different nationalities incur different costs, too. For example, healthcare in the United States is almost twice that of average healthcare expenses in Australia, according to the World Health Organization.

Don’t skip the trip to the doctor. Instead, take a look at these ways to save money on your health.

111. Cancel your gym membership.

You don’t need it. You can stay just as active and fit at home or in the local park as you can at your gym.

Instead of going to the gym, take a walk or a jog. Go hiking. Go swimming. Buy a jump rope and learn a few tricks. If you feel like you need to spend money on exercise equipment, buy a basic piece for your home and see how much you use it before you install a home gym. Check out this video for a few ideas on how to get fit at home.

• How frequently do you actually go to the gym?
• You can get just as fit and healthy at home!
• Just a few basic tools can provide a full body workout for next to nothing.

112. Ask for generic prescriptions.

I talked earlier about how basics like bandages and aspirin were just as good in the generics as they were in the name brand. Did you know that applies to prescription drugs, too?

Most physicians will write you a prescription for a name brand drug. Sometimes it’s just what they do, other times it’s because they receive a kickback from the pharmaceutical company. When you get to the pharmacy, ask the pharmacist or pharm tech for the generic version of the drug.

Sometimes there’s no generic available. But usually, especially if the medication has been on the market for a while, there’s a much less expensive alternative available.

• Physicians sometimes are paid by pharmaceutical companies to write prescriptions for name brands.
• Many drugs which have been around for a while have a generic version.
• Always ask your pharmacist if there’s a generic available.

113. Check your drug manufacturer’s website.

Sometimes drug manufacturers offer “trials” or coupons off popularly prescribed drugs. Be sure to check their website, or to call the company directly. You can also check with your doctor to see if she has sample packs to give you.

114. Shop your farmer’s markets.

You know that organic and fresh produce can be expensive. But you can cut down on produce expenses by shopping your local farmer’s market. Farmer’s markets have become much more than just produce stands. In a way, they’re like small events.

Visit your local market and enjoy samples, live music and more while you stock up on fresh, healthy, vitamin-rich foods.

• Farmer’s markets aren’t just fruit stands – they’re social events!
• Support your local community and get fresh food for cheap at your farmer’s market.
• Many sellers offer organic produce for much cheaper than grocery store prices.

115. Drink water.

Yes, I already mentioned this. But it’s just that important. Water is free (for most) and it’s super good for you. Plus, those expensive sodas, juices and other beverages are loaded with sugars and calories your body just has no need for. Carry a BPA-free water bottle with you and be sure you’re drinking at least 64 ounces. Why? Well:

• Water will help clear your skin and improve your complexion
• Water helps with fluid retention, believe it or not!
• Water aids digestion and helps you lose weight
• Water helps to give your muscles energy

Short and sweet: it’s good for you! Drink water!

Bonus Tips for Saving Money

We’ve covered quite a few ways to save money on the things you normally do. There are several tips for saving money, though, that don’t fit into these categories so well. Consider these your “bonus tips” for saving money. Enjoy!

116. Make your own pet food.

Depending on what type of pet you have, you may be able to make your own food for your fuzzy friend. Dogs are the easiest, but you can make healthy, well-balanced meals for cats, rabbits and other animals as well.

Talk with your vet about what your animal needs as a part of his diet, then have fun! In some cases, you and your pet may end up sharing the same Crock Pot meal!

• Your pet eats many of the same foods you do!
• Talk to your vet about the nutritional needs of your pet.
• Have fun! You’ll find tons of pet food recipes online that are fresh and nutritious.

117. BYOB- to the bar.

This one’s kind of sneaky, and most bartenders won’t like this guide as a result. But we all know that bar drinks are overpriced and under-poured. Why not bring along a flask in your pocket or handbag? Want a nip? Slip off to the bathroom. It’s cheaper and you can moderate how much you drink.

118. Go small with your wedding.

Better yet, elope. Your wedding doesn’t need to be a huge affair. The last thing you want is to begin your new life thousands of dollars in debt. Stick with a small budget – whatever you’ve saved and your family is contributing – and keep the guest list small.

If you’re going to splurge on one thing, make it the photographer. You’re going to eat that cake, but the pictures will last a lifetime.

• Weddings are huge But is all that spending necessary?
• If you’re going to splurge, do so on something that will last – your wedding pictures.
• Set yourself a budget and stick to it!

119. Work on your budget together.

If you’re married or in a partnership, be sure to work on the budget together. There’s little more frustrating than saving, saving, saving when your partner is a big spender. Work together to decide what’s worth spending and what you can forgo.

120. Don’t rent things.

Now, there may come a time in your life when you need to rent a car or something similar. What I’m talking about is “renting to own.” Let’s say you’re in the market for a new mattress. You want a king, but they’re pretty pricey. Especially considering you prefer the memory foam type.

You’re shopping around online and see that there’s another option: rent to own. You can finance your new king mattress for as little as $50 per month!

Don’t do it. Whereas even a $100 twin mattress can be financed through some places, after interest and  “processing fees,” you’re going to end up paying hundreds of dollars more than the mattress was worth in the first place.

It’s not just mattresses, it’s just about everything. You can lease washers and dryers, laptops, televisions and even air conditioning units. Don’t fall for it – pay for your things in cash. If you don’t have the capital to buy a king mattress, fine. You’ll sleep just as soundly on a queen, twin or futon.

• Rent to own places are expensive, selling items for two to three times their actual cost.
• Financing a television or a bed is tempting… but should you?
• Buy used instead of renting – it’s cheaper!

121. Never buy new textbooks.

College bookstores sell textbooks for hundreds of dollars each. But you can buy these same books (yes, even the same editions) online for a tenth of the retail price. The only exception to this rule might be those books you need to write in, or if a used book says it’s missing a software code. For everything else, choose a used textbook store or an online retailer.

• Universities will supply a textbook list prior to the start of the semester.
• Shop by ISBN to find the best prices on used college textbooks.
• Never buy new unless you need a software code or a workbook.

122. Reconsider the extended warranty.

Whether you’re buying a car or a camcorder, most items come with some sort of warranty. Electronics warranties generally last about a year, while cars may vary. Appliances and such will vary too, so check with the company.

That said, many retailers will try to sell you an “optional extended warranty.” This is an additional cost on top of the free warranty you already get. What this extended warranty covers will vary depending on the product. For instance, a laptop extended warranty may cover missing keys or spills.

Before you say yes, think twice. Do you really think you’re going to damage the laptop beyond repair? How much would it cost to repair? To replace? How much is the warranty? Do the math and consider your lifestyle, then determine whether it’s worth it to get this optional warranty.

123. Shop refurbished.

Maybe you depend on your computer or your camera for work. Let’s say your kid takes a sledgehammer to it. What are you to do?

Shop refurbished products! Most companies offer refurbished versions of their product line. These items come with a warranty that’s generally anywhere from 90 days to a full year. And they work perfectly!

• Many name brands offer refurbished products, particularly electronics.
• These “refurbs” are like-new, with a warranty.
• Refurbished products cost a fraction of the price of new items.

124. Cut out gambling.

When you’re at the gas station and you have five dollars in your pocket, what do you do? Do you put five dollars in your tank, or do you put in four and buy a scratch ticket with the other dollar?

That’s a pretty specific example, and hasn’t probably applied to most people. But if you’ve been spending money on gambling, think about stopping and saving that money instead. That dollar is going to go further in your tank than it will on a losing lottery ticket.

125. Turn your hobbies into a side hustle.

Everyone has something they’re really good at. Whether they love to refinish old furniture or just create paper crafts, it’s possible to turn any craft into a hobby.

Go online and explore sites like Etsy and see what others are doing. There are some truly unique items out there. And while it seems everyone and their brother sells “handmade soap,” not everyone can turn a steamer trunk into a work of art.

Selling the things you create will not only justify the money you spend on hobbies, it’ll also bring in additional income.

• Do you have a hobby? Use it to make money!
• Whether you like to draw portraits or write stories, you can sell what you produce.
• Look around online for inspiration – many people are turning their hobbies into cash.

126. Talk to your boss about remote work.

Telecommuting is becoming more and more popular these days. Many people now, instead of driving to work in the morning and home at night, are setting up dedicated offices in their homes. Some just work from the couch.

Obviously this isn’t an option for everyone. After all, it’s hard to be a telecommuting dermatologist. But if you’ve got a job that doesn’t require you to be on-site, remote work is a great way to save money. You’ll save fuel and vehicle expenses, but you’ll also save on food, work clothes and more.

• Working from home will save you thousands of dollars each year.
• Your home office may even be tax deductible.
• Telecommuting is becoming very popular – don’t hesitate to talk to your employer about options.

127. Want to vacation? House swap!

If you and your family really want to travel to Belize but want to cut costs, why not find a family in Belize who wants to visit your location? Agree upon a week you’d like to travel, then just swap houses for the trip!

There are plenty of websites and online message boards dedicated to just this. Most offer identity checks on individuals, and many also offer background checks. House swaps will save you thousands of dollars in travel expenses.

If you do choose to go this route, be sure you clear your home of sensitive documents and the like – anything you wouldn’t want a stranger to get their hands on.

Living on a Budget

It doesn’t really make much difference why you’re pinching pennies. You could be saving for college or you could be broke because of college. The point is that you’re living on a budget and want to live the fullest life possible for the least amount of money.

First, find out how much money you have and where it’s going. Then, follow these tips and tricks to save money on just about everything in your life. Before you know it, you might even end up having to work less, giving you more time to enjoy the money you’ve saved! Have fun and happy saving!