35 Simple Ways To Save Money Every Month

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You can save money every month in many ways. Here are 35 ways to save money each month that will let you save thousands of dollars a year.

Financial struggles are an inevitable part of life. Finding ways to save money each month can help you get through times when cash is tight. Thankfully, there are relatively easy ways to save money that can add hundreds of dollars to your budget.

If you want to save money every month with minimal sacrifice, this guide will give you some ideas.

Proven Ways to Save Money Every Month


From modifying daily habits to reducing monthly bills, we’ve compiled 35 money-saving ideas to improve your finances.

Regardless of your situation, this list will help you find ways to help lower your monthly expenses.

1. Cut the Cord


Cutting the cord on cable is one of the best ways to save money every month. The average household spends over $200 per month on cable.

With the availability of cable alternatives, there’s no need to spend that much money. A streaming service can save you at least $125 per month. Streaming providers also have no contracts, allowing you to leave whenever you want.

ServiceCostStreamsLocalsDVROn DemandFree Trial
Philo$203NoUnlimitedYes Try Free
Sling TV$351YesYes Yes Try Free
Hulu Live$64.992YesYesYes Try Free
Vidgo$553NoNoNo Try Free
FuboTV$64.992YesYesYes Try Free
AT&T TV Now$50+10MaybeYesYes Try Free
YouTube TV$653YesYesYes Try Free


2. Get Rebates on Your Grocery Shopping


Couponing is usually on any list of money-saving tips. However, if you don’t want to spend time clipping coupons, you can save money at the grocery store by using your phone.

Ibotta is an app that lets you get cash back on purchases. After you shop, scan your receipt so the app can identify any items that have rebates. You can also pre-select items that have rebates before you shop.

The app gives new users $20 for signing up. You can redeem your balance once you reach $20.

3. Review Your Cell Phone Needs


Similar to cable, switching to a no-contract phone plan lets you save money every month. Analyzing your needs could help you save up to $100 per line per month.

If you’re commonly on Wi-Fi, you can switch to a smaller carrier without sacrificing reliability.

Ting Wireless is a perfect solution that offers coverage on Sprint, T-Mobile, and Verizon. The average bill is only $23 per month. Frugal Rules readers can receive a $50 credit.

Ting Wireless - click now for a $50 credit!
Cost: $10/mo - unlimited talk/text + $5/GB

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4. Automate Saving


A common problem when it comes to saving is that we often forget to do it. One of the best ways to save more money every month is to automate savings. This lets you save without having to think about it.

A money market with CIT Bank is a terrific solution. It requires a minimal $100 opening balance.

You can automate savings on a weekly or monthly basis. The CIT Bank Money Market Account has the same FDIC-protection as a savings account does, is fee-free, and pays 0.45 percent on your cash.

CIT Bank - start your emergency fund
$100 minimum deposit requirement

Open a high yield savings account or money market with $100!

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5. Find Coupon Codes When Shopping Online


If you’re like me, you do a lot of your shopping online. However, nothing is more frustrating than spending time searching for coupon codes only to find out they don’t work.

Capital One Shopping is an excellent resource to avoid that problem. The free browser extension works on your behalf to find discount codes or savings on items you purchase.

Capital One Shopping
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Snag better prices automatically on the things you buy with valid discount codes.

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6. Start A Side Hustle


If you want to save money fast, your best bet may be a side hustle. There are countless side jobs you can start to make money on the side.

Delivery driver jobs are among the best because you can earn $20+ per hour.

Postmates is our favorite app to deliver for since you can deliver meals from restaurants, food from the grocery store, or dozens of other possibilities. You can set your own schedule and receive payouts weekly.

Earn $18 - $25 per hour

Deliver anything with just a car or scooter!

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postmates logo


7. Negotiate Lower Bills


When was the last time you asked for a lower price on a service or analyzed subscriptions to see what you can cut? If it has been a while, you could be leaving money on the table.

Taking the time to negotiate may score you a one-time discount or monthly savings.

If you hate the idea of negotiating, Truebill is a free service that will do it for you. Trruebill keeps 33 percent of whatever savings they win for you.

8. Lower Debt Payments


Credit card debt (and other high-interest debt) restricts you from reaching financial goals. The interest alone can eat up a lot of your budget.

Refinancing or consolidating debt can help you lower your interest payments and even pay it off quicker. This can save you thousands of dollars over the life of your debt.

Check your rate at SoFi to see how much you can save. You can get a loan as small as $5,000 with rates as low as 5.99 percent.

Sofi - Fixed Personal Loans with Autopay
Cost: 5.99% to 18.83% APR

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9. Meal Plan


Food waste takes a big bite out of a budget. The average family wastes nearly $2,000 in food annually. That’s money going directly in the trash.

Meal planning helps you avoid this waste and save up to $150 each month since you buy only what you need. If you’re new to meal planning, $5 Meal Plan is a good resource.

This app helps you with meal ideas and maps out exactly what you need to buy.

The service provides a 14-day free trial.

10. Refinance Student Loan Payments


Similar to high-interest debt, student loan debt can restrict financial mobility. When you refinance student loans to an income-driven repayment plan, you could save hundreds of dollars each month.

Before you pursue this option, make sure you won’t sacrifice any protections offered in your original loan. If not, do some research to see what kind of rate you can receive.

Check your rate at SoFi to see how much you could save each month.

11. Find Cheaper Auto Insurance


Many insurers have lowered car insurance rates because people have not been driving as much during the pandemic. That aside, reports indicate 40 percent of drivers have not compared rates in at least three years.

If that’s you, you could be leaving hundreds of dollars on the table. The best way to find cheaper auto insurance is to compare rates.

Gabi is a helpful tool that lets you simultaneously compare up to 40 insurers. The average user saves $825 annually.

12. Consider Term Life Insurance


Life insurance is essential to protect your loved ones. However, many people often fall for whole life insurance.

Whole life is considerably more expensive than term life. The latter is adequate for most.

Savings depend on your situation, but term life is often five to 15 times cheaper than whole life insurance. You can even compare rates online instead of dealing with a salesperson.

Sproutt is a terrific resource. It lets you compare insurers to find the best fit for your needs and get an affordable policy.

13. Try the 52-Week Challenge


If saving money every month is challenging for you, it may be best to start small. This can give you the confidence to amplify future savings efforts.

This is where the 52-week challenge helps. You start by saving $1 in week one, then $2 in week two, and this continues until you save $52 in week 52. You will save $1,378 by the end of the year.

If you don’t have an emergency fund yet, you can use the savings from this challenge to open a money market at CIT Bank once you reach $100.

14. Skip the Gym Membership


This may not be as big of an issue during the pandemic, but gym memberships are expensive. The average person with a gym membership wastes $40 per month because they don’t use it.

Instead of a pricey gym membership, use free workout apps to save money by exercising at home.

If you want to lose weight, you can even make money shedding weight with a service like HealthyWage.

Read our review of the weight loss app here to learn more.

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15. Save Your Spare Change


Most lists of money-saving tips tell you to save your spare change. While this is an effortless way to save money, why not grow that change instead?

You can do that with Acorns. This micro-investing app rounds up all your purchases and invests the money in a low-cost portfolio of your choosing once you reach a $5 balance.

Think of it as using your spare change to grow your net worth.

Acorns - Invest Your Spare Change
Get a $5 Bonus

Acorns rounds up your purchases and invests your spare change!

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Acorns Invest for $1


16. Refinance Your Mortgage


Refinancing your mortgage can potentially save you several hundred dollars a month. Mortgage rates are at historic lows. You could be in for big savings if it has been several years since you looked at rates.

LendingTree is a helpful website that lets you compare up to five lenders. If you have a local mortgage broker, contact them to see how much you could save.

17. Track Your Spending


One of the best ways to save money each month is by tracking your spending. This allows you to identify where each dollar goes so you can find ways to improve your finances.

While you can track your spending manually, automation simplifies the process. Tiller is a service that does this for you. It connects to your bank account and puts all of your transactions in a Google sheet for you to analyze.

The service is free for 30 days, then costs $6 per month.

18. Monitor Your Electric Bill


Depending on where you live and how much energy you use, you can save hundreds annually by watching your usage. If your provider offers a level pay plan, keep that in mind to ensure you won’t have surprise swings in your bills.

Another way to save money on your energy bills is to buy a programmable thermostat. Reports indicate you can save up to 30 percent on energy bills this way.

19. Cut Your Own Hair


The pandemic made getting haircuts more of a luxury than ever before. Make it a habit to cut your own hair to save hundreds each year.

An affordable kit from Wahl is a perfect tool to cut your hair. Combining that with a pair of good scissors can save you a lot of money.

20. Cut Down on Youth Sports


Organized sports are a big cost for many families. Exercise and learning teamwork are important, but they can be done for less.

A report from USA Today indicates 60 percent of families spend $100 – $499 per child on youth sports. Another 20 percent spend $1,000 per month. If you’re struggling to save money each month, this is an easy area to reduce spending.

21. Join A Warehouse Club


A warehouse club may seem contradictory to those looking for money-saving ideas. However, Costco and Sam’s Club often offer significant savings for members.

Savings on groceries aside, both retailers offer discounts on anything from travel to home services to prescriptions and more. Read our guide on Costco and Sam’s Club to learn which is best for you.

22. Buy Used


Waste doesn’t just impact food costs. It also impacts how much we spend on items such as clothing. If you have a growing family, consignment stores offer savings of at least 50 percent on what an item would cost new.

You can even sell clothes you no longer need to defray costs.

23. Reduce Eating Out


Going out to eat is a fun activity, but it’s also costly. While the average family spends $225 per month dining out, it’s easy to spend more.

When it comes to how to save money, cutting down on eating out is an easy option to try. Reducing the number of times you dine out by just one meal could save $50 a month for other needs in your budget.

24. Lower Your Car Payment


Similar to other debts, a car payment can be a big chunk of your budget. The average car payment is over $500 a month.

If you have several years left on your payment, consider refinancing to lower your rate to save on interest.

25. Shop for Cheaper Internet Services


Having internet access at home is a necessity. However, it’s also costly. Rates can vary widely depending on where you live.

Call your current provider to negotiate a lower price. If that doesn’t work, switch to a competitor that has a lower rate.

Read our guide on internet alternatives if you’re trying to get internet without cable.

26. Stop Smoking


Reports indicate the average smoker spends nearly $2,300 per year on cigarettes. If you are a smoker, that’s roughly $190 per month you could save if you stopped smoking.

The recurring savings is just one part of the equation. You will also save significant money on medical bills by improving your health.

27. Switch to a No-Fee Bank


Banks love to charge fees, even to their most loyal customers. USA Today reports the average person spends $10-15 a month on bank fees. This can be higher if you pay ATM fees.

This may not seem like a lot of money, but reducing how much you pay in fees is important. Fee-free banks like Chime or CIT Bank are both good alternatives to slash this expense.

28. Earn Free Amazon Gift Cards


It’s easy to overspend on Amazon because convenience is their entire business model. You need to be careful to not have this spending impact your budget.

Gift cards are an awesome way to offset your spending. You can earn these with Pinecone Research. This paid survey site lets you earn money by taking surveys and testing products.

You won’t amass wealth this way, but it’s an easy way to monetize your free time.

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29.  Take Your Lunch to Work


Do you want to save more money each month? Taking your lunch to work is an effortless way to do that.

Instead of spending $20 or more a week on takeout, bring leftovers or a sandwich and pocket the savings.

30. Start a Garden


If you love vegetables but want to save money at the grocery store, starting a DIY garden is a great option.

Begin with several small garden beds in your backyard. You’ll start saving in no time.

31. Make Your Own Bottled Water


According to The Water Project, the average person spends $100 per year on bottled water. Although it may feel like a necessary expense, there are ways to save and still have purified water.

Buying a water filter can eliminate the need to purchase bottled water. You can even buy a Nalgene water bottle to take with you when you travel since you’ll recoup the savings quickly.

32. Save Your Raise


Have you been fortunate enough to receive a raise at work recently? Instead of looking for ways to spend the money, save it.

If you must spend it, use it towards things like eliminating debt so you can reduce how much you pay in interest.

33. Save on Gas


Spending on gas is necessary for most people. You can often find cheap gas by searching for lower prices on your phone.

Use an app like GasBuddy or FullTank to find the best prices in your area. This can help you save up to five percent on your gas costs.

34. Find Lower Prescription Prices


Medicine can be expensive. Fortunately, there are ways to save on prescription medication.

GoodRx is a free app that lets you find lower drug prices. According to their site, the app is accepted at over 70,000 pharmacies nationwide and can often save you significant money on your medication needs.

35. Use the Library


One of the best ways to save money is by using the library. Depending on where you live, your library will carry movies, music, and books.

If there’s a book or movie you want, check with your local library first before spending $20+ on it.




There are many ways to increase monthly savings. All you have to do is give some of these ideas a try. While they won’t all apply to you, you can combine multiple options and save several hundred dollars each month.

Don’t let the fear of missing out on things hold you back from saving money. Most of the items on our list let you reduce expenses without making substantial sacrifices.

*Capital One Shopping compensates us when you sign up for Capital One Shopping using the links provided.


What are some of your favorite ways to save money? Do you like to negotiate pricing?

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John is the founder of Frugal Rules, a dad, husband and veteran of the financial services industry whose writing has been featured in Forbes, CNBC, Yahoo Finance and more.

Passionate about helping people learn from his mistakes, John shares financial tools and tips to help you enjoy the freedom that comes from living frugally. One of his favorite tools is Personal Capital , which he used to plan for retirement and keep track of his finances in less than 15 minutes each month.

Another one of John's passions is helping people save $80 per month by axing their expensive cable subscriptions and replacing them with more affordable ones, like Hulu with Live TV.


  • Jaime says:

    In our case we cut back on eating out and learned how to cook healthy, delicious food at home. We also learned to replicate our favorites from restaurants. Now we save eating out for the weekends.

    Last year we also sold a paid off second car to CarMax and got an even $3,000 for it. Yea!

    Another thing I did was learn to not waste extra money: gifted money, raises, bonuses, etc. Now whenever I get extra money, I learn to diversify it so it doesn’t all go to spending. =)

    • John Schmoll says:

      Cutting down on eating out is a big one! It can be really easy to justify eating out when you’re busy but we try and prepare meals before hand to try and mitigate against it.

  • Natalie @ Financegirl says:

    I have a post like this and it does amazing! I think readers will love it. Sometimes you just need a new idea to spark some creativity.

  • Laurie @thefrugalfarmer says:

    We use lots of these tips and the money savings really do add up. We’re on a huge kick this year to cut eating out drastically. We didn’t do it that much anyway, but we’re cutting even more because the money savings are so huge.

    • John Schmoll says:

      I know, right Laurie? It gets even bigger when you have a large family – a basic dinner out can cost an arm and a leg.

  • Stefanie OConnell says:

    wow, I can’t believe smoking spending was still that high either! My big weakness is eating out, but now that I can afford it and still save money, I’m feeling better about it ๐Ÿ™‚

    • John Schmoll says:

      I know – talk about literally seeing your money go up in smoke. Yea, I hear ya – it does get a little easier to justify it. We just budget for it so we know we’re staying within what we want to spend.

  • Michelle says:

    Great post! There are so many great ways to save money.

  • Tonya@Budget and the Beach says:

    Great tips John! I think people forget you can still negotiate a lot of things like your bills. I even did it with rent once.

  • Brian@Luke1428 says:

    I’m a DIY when it comes to haircuts…haven’t stepped foot inside a hair salon in years. All I need is a good pair of trimmers and a wife to check for places I might miss. She doesn’t mind helping…her reward is getting all the hair cut money for herself instead of sharing it with me. ๐Ÿ™‚

  • Abigail @ipickuppennies says:

    I’m trying the 52-week challenge. I don’t think we can manage it throughout the year — we’ve got a couple other draws. But I want to see how far we can make it without feeling the pinch.

    Cable’s already cut, no gym membership, no cell phone. So I guess we’re doing okay on some of these goals.

    • John Schmoll says:

      That’s awesome you’re doing the 52 week challenge. Even if you don’t make it the whole year I think it’s a great challenge to try.

      Yep, sounds like y’all are doing good.

  • Kim says:

    There are so many ways to save that even if you can’t or don’t want to do all of them, you can always find a few things to make your bottom line better.

  • DC @ Young Adult Money says:

    Great list, John! I love these long lists of how to save money because even if you do just a handful you can increase your monthly cash flow.

  • Anita says:

    I write a book of household accounts (Libre Office Calc) and added up the expenses for sweets/chips/… for the last october, november, december. O.k. there was halloween, but: It was 300 Euros.
    Now I’m on a diet.
    It was shocking to see how much money I spend for food that isn’t necessary and only harms my body.
    I didn’t add up the alcohol, wasn’t that much, but I cancelled this, too.

  • Cheryl says:

    Good stuff!
    We ditched cable 3 1/2 years ago, Internet only and installed an antenna on roof. 24 local channels in high quality picture FREE!
    No bottled water, have a couple insulated Klean kanteens that I take coffee to work versus stop at donut shop and also fill with water faucet. Double savings.
    Bought an exercise video and use kettlebell weights versus gym membership, also free walks.
    Home haircuts, my husband cuts mine every other month and the two children monthly. Between haircuts, tip and transportation costs, it saves me over $1000 a year. My husband feels that a Woman’s hair is much easier to cut, but watched a few videos before doing the boys, there haircuts are more difficult to do as there is not as much to work with. Less forgiving if you make a mistake. Get my hair colored at home with henna, saves me over another $1000 over what they would charge at salon and he gives a great haircut, better than the salon and he does a very nice job with my color. Regular salons screwed up my hair, I wouldn’t think of letting a trainee touch mine, they always cut it too short.
    I do my own mani & pedicures as well.
    Did a garden last year, kale was the best producer, healthy greens for ten months, tomatoes, herbs and garlic were tasty fresh from garden as well.
    Get boys clothes at goodwill store, they out grow pants and coats so fast, can get some that are like new for only a couple dollars each. We do donate outgrown clothes to help keep the cycle going.
    Use credit card with cash back, and then pay it off in full each month. Did children’s birthday parties at home. Made pizza, and cakes, grilled hot dogs for picnic. No bouncy house or catered affair, just a few friends, great time @ a low cost.
    He changes oil, fluids and spark plugs in cars. Sharpens mower blades, scissors and knives at home. Tools work best when they are maintained. Most home repairs of plumbing, electric, carpentry, flooring are DIY, saves even more.

  • Jordan says:

    I’m am not a fan of negotiating. I know it works, and is a good idea to save money, but I just hate confrontation, and hate to beg people down. I wish I didn’t feel that way because I know I could save some money doing it.

    • Cheryl says:

      You need to not think of it as begging, you are offering to give them your business, if they will give you a fair deal, you are not begging. You are giving them a second chance to not be fired. That is what my husband did, never raised his voice, just told them the current rate was too high and we were firing them as they were charging too much and we could get the same service at a much lower rate, and we were offering them the opportunity to keep our business, that’s all.

    • Rich says:

      You’re not begging, you’re NEGOTATING! I do this all of the time. Business want dollars and YOU are the consumer. They need you more then you need them. They want money and so do you. You decide.

  • Tricia says:

    Have done most of these things and they really do make a difference. The top 3 for me:

    Cable. I purchased a Roku stick, basic monthly Hulu ($9) and basic Netflix ($9) and an HD antennae that gets all local channels crystal clear for free. After the one time purchase of the stick and antennae ($85+-), my TV bill is $60 mthly and that includes the high speed internet needed to stream from Hulu and Netflix. Basic cable in my area was $150 monthly. Savings of $90 for me.

    Cell Plans. I ended my contract and bought a basic flip phone for calling and texting. $30 mthly. With a home computer and iPad, don’t need a smartphone on top of that. Not one of those people who has to be plugged in to technology 24/7. My cell phone plan was $150 per month. Saving of $120 for me.

    Credit Cards. This one takes discipline. I have 3 cash back cards and use them to pay all my monthly bills (mortgage, utilities, car insurance, food, etc.) I pay them off each month completely according to my cash only budget mindset. The award points / money / giftcards are a really nice perk that I use for Christmas each year, and had $900 last year accumulated.

    I think that mindset is the most important factor of living within one’s means. Stay away from advertising and the must haves that get so many people in financially devastating places. Live small. Live free from burdens and worries. Most importantly, learn to control your money. Don’t let money control you.

  • cathy says:

    Instead of turning on our big screen t.v. we watch Netflix on our (given to us) smartphones. We stopped using the back porch light, and leaving the kitchen light on by using solar lights. We hang out our clothes on a line. Unplug everything, and sometimes leave it unplugged even when we are home. All those little things add up.

  • Steven McMillian says:

    I am doing many of your suggestions. Another one is that people can make extra money by getting an extra paycheck 4 times a year if they get paid weekly and 2 times a year if they get paid biweekly. They can use that money for a special sinking fund or savings account.

  • Centsai says:

    These were all such great ideas! There are so many ways to cut costs and save money but you have to be creative!

  • Nancy says:

    Hi John – love your blog and wondered have any of you heard of KODI? It is a free alternative to Netflix. My husband has set up our computer with it and we can now caste TV shows and movies directly to our screen. The system trolls for the downloads you request (TV shows, movies old and new, even movies currently in theatre; although you tend to get “purse shot” copies for those, but once in awhile we find a good film copy that might have been released in another Country with subtitles in another language, but you put up with that to save theatre costs. This is still legal in Canada as there are no advertising or membership fees related to this. I’m thinking of dropping Netflix now!

    • John Schmoll says:

      Thanks Nancy, happy to be of help. ๐Ÿ™‚ I have heard of KODI but unfortunately it’s software that lets you steal content so I wouldn’t be interested in it.

  • Grace D says:

    I’m not sure where you got your number for smoking cost. The average I have found and know of is $45 per week – not month – (my husband alone spends $48 to 50 per week and I have tried everything to help/get him to quit, it is not that easy at all because patch/pills don’t work for him). That is an average of a pack a day which can range from 5 to 8 dollars.

    • John Schmoll says:

      Just click on the link I used to reference the stat and you’ll see. ๐Ÿ™‚ It’s important to remember that it’s an average.

  • Robyn says:

    I’ve modified the 52 week challenge a little so it doesn’t get too extreme by the end of the year. I label all the weeks with their amounts and then I combine a high week amount with a low week amount and move that 2 week amount into savings. If I have extra money one month I’ll save extra weeks amounts and cross them off the calendar.

    • John Schmoll says:

      Sounds like a good alternative. Glad you’ve got something that works for you Robyn, that’s what counts. ๐Ÿ™‚

  • Donna Nardilli says:

    Less truly is more in this life. How much stuff do any of us really need before we realize, that happiness is introspective. Be brave. Be bold. Be different…, it truly is liberating & refreshing to see people take control of their own lives and define success on terms that are right for themselves. Embrace your distinction. It’s empowering when you do.

  • Mark says:

    Finding at least one person to share the daily commute with and alternate cars drastically reduces fuel bills and wear and tear. Another benefit is off-loading stress by talking it through with someone when there are no distractions and nowhere else to go. My car sharer has said he arrives home relaxed having unburdened himself of workplace woes.

  • Paul Lee says:

    Ditched the Cable tv, got Amazon FireStick & indoor/outdoor antenna. Saved 90.00 immediately. Working on my 5th 52 week savings experiment, trust me it works and easy to do. Unplugged all unnecessary things in the house, even turn off hot water heater when not needed. That in itself saves me 15.00-20.00 a month. Use the low dryer setting to go along with the high efficiency washer (uses much less water). Keeping the thermostat set low in the winter helps as well. All great ways to save.

    • John Schmoll says:

      Awesome work Paul! Just further proof it doesn’t take that much work to save some money around the house.

  • Anita K. says:

    Enjoyed this post, and the comments were inspiring too. I teach high school, and I am thinking of including this link as “required reading” for a section I am teaching on “Real Life after High school.” Thank you.

    • John Schmoll says:

      Thanks for the kind words Anita! Teaching fundamental money management is such a huge issue, so glad you found it helpful. ๐Ÿ™‚

  • Rene' says:

    I just have to tell you how much I appreciate your site! I recently went through a divorce after 25 years of marriage which ended up forcing me into bankruptcy, on TOP of losing that second income. It was EXTREMELY painful given I have always prided myself on paying my bills on time and having a credit score in the 700’s. BUT rather than beat myself up, I have decided to look at it as a fresh start on life, and part of that is getting a firm hold on my finances, building up a savings and investments towards retirement. Luckily, frugal is something I’ve always been, but I know there are always new ways or things I’ve never thought of. Thanks to your site, I “cut the cord” with DirecTV today! I already had a PS4 plus a Roku in my bedroom, so it was very easy to make the switch to Playstation Vue. Even with their most expensive package, Netflix and Hulu, I’m still saving nearly $150 a month!! WOWZA!

    Thought I’d share a couple of frugal tips that have worked for me – call it giving back. ๐Ÿ™‚

    If a store you shop at has a discount card or an app that offers coupons/discounts (Target Cartwheel is a good example) – GET IT – it’s free! I use one at my Ralph’s grocery store (Kroger is part of the same chain). Here are some ways I get amazing deals!

    **See a great price on something with your store discount card? Maybe you can get it even cheaper! Check the store’s app to see if there are additional discounts using their digital coupons. You can also combine with manufacturer’s coupons for even bigger savings. Using this method, I have even gotten items for free!

    **Many grocery stores will mail you coupons based on the purchases you make with your store card. Ralph’s mails me coupons at least a couple of times per month, sometimes for free items I buy often. I hold onto these coupons until the item has a great sale. You can combine these coupons with store sales, digital AND manufacturer coupons to get items for pennies – sometimes free!

    **My Ralph’s app has a “free Friday download” every week. Check your store’s Facebook page, website or app to see if they do something similar. For Ralph’s, the download to your store card must occur on that Friday, but you have up to two weeks to claim the freebie (I have gotten everything from rice to protein bars to juice. I often use these freebies in conjunction with other sale items when planning meals).

    **Check to see if your store has a clearance rack where I routinely find items up to 90% off. I normally find them in the back of the store, but if you aren’t sure, ask a manager. This is also a good place to use coupons! YES, most stores will allow coupons (digital or otherwise) on an item even if it’s marked down significantly. Also check the produce, meat and bakery departments for mark-down items. Also watch as you go down the aisles for clearance stickers on the sleves. I recently found cat food that usually sells for $12 a bag marked own to $2.37 because they were discontinuing the flavor – AND I had a $.50 off coupon!

    **Yes, it takes some time, but I highly recommend checking your store’s app for discounts/digital coupons (if offered) on every item you put in your cart, especially if there are several different brands for the item you need. Even if the shelf tag makes it seem like one brand is the best deal, another might be even cheaper if you check the store app. Some places, like Target, even have a bar code scanner built in so it’s easy to check for coupons. (Don’t forget those end caps of discount merchandise at Target!)

    **If someone in front of me in line says they don’t have a store card, I offer to let them use mine. They get a discount, but in return, I get more dollars in purchases applied to MY card. Ralph’s offers a discount on gas (from $.20 to $1.00!) at Shell stations based on the total of your purchases. Why not let someone else’s groceries get you there faster while also saving them money?

    I hope these tips might help someone else who perhaps is in the same boat I’m in. Living frugal is definitely something that should be shared, so THANKS once again, John, for offering this great site!

    • John Schmoll says:

      Thanks so much for the kind words Rene. Sorry to hear about that. Having gone through divorce myself (my parents got divorced when I was 15), I know it can be a challenge…to put it very lightly. That said, it sounds like you have a great attitude – which is what so much of it comes down to. Great work on cutting the cord, you’ll love the savings. ๐Ÿ™‚ Thanks as well for sharing your saving ideas – just proof there’s many ways to save!

  • Pat says:

    Bought an old DVD player Rent movies from library also books. Prep and freeze food when on sale. Unplug appliances when not in use. Bundle my errands for errand day. Saves gas. Drive slower. Eat out less . Stay home and work on hobbies. Make gifts for family. Have a dog. Exercise and entertainment! Grow a garden. Compost food waste in old kitty litter bucket. Saves on garden soil. Water down cleaners! Use baking soda and vinegar. Wear clothes two days unless dirty.Cut down on portion sizes. Read a good nutrition book! (I lost 20 lbs effortlessly!) Reduce meat. Check out spices beans and rice aren’t bad.

    • John Schmoll says:

      All great options to save money. Just goes to show you that it doesn’t take much effort if you want to cut back.

    • Pam says:

      Pat, THAT is the way to โ€œcut the cordโ€! Me, too with DVDs or read.

      Netflix, etc that others are espousing still cost in addition to internet. Cable companies got wind & have changed their pricing to bundling (just getting WiFi now not so cheap in CA anyway)

  • Barbara says:

    Alcohol and gambling are sometimes silent financial destroyers. There is help available for free if needed.

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