99 Ways To Save More Money Now

No matter what you’re saving money for—whether it’s to build up an emergency fund, pay off debt faster or plan ahead for a big vacation or first home—trimming expenses will help you get there faster.

The good news is even small efforts can add up to big savings over time. We’ve rounded up 101 simple ways you can get started today.

Simple Hacks

1. Stockpile money could be a particular coin or  bills. Take them out of your wallet as soon as you accrue them and put them right into savings.
2. Open a savings account at a bank that’s not easily accessible, deterring you from dipping into it unnecessarily.
3. Create sub-accounts for different savings goals. It’s an easy way to measure your progress and make quick adjustments.
4. Nickname those accounts. Research proves this creates an emotional connection that motivates you to save more.
5. Set up automatic transfers to savings and investment accounts after payday. You won’t have time to miss the money.
6. Get a cash-back credit card to earn money as you spend.
7. Treat yourself to a birthday freebie.

Home

1. Turn off the tap when you brush your teeth. This can save eight gallons per day, or 3,000 per year, cutting your water bill.
2. Take shorter showers. (Bonus: Collect water while you wash and use it to nourish your lawn.)
3. Don’t turn your thermostat so high when its cold or so low when it’s warm. You can save up to 3 percent off your bill per degree.
4. Unplug your laptop and other appliances when you aren’t using them. Leaving your computer on all day alone costs an estimated 41250 frs ($75) per year.
5. Convert to low-flush toilets and high efficiently appliances when your current ones need replacing.
6. DIY when it makes sense. (Doing major repairs on your own won’t save you money if you end up having to a pay a pro to fix your shoddy work.)

Shopping

1. Make a list before hitting the store, and stick to it
2. Buy last year’s model—especially when you’re shopping for electronics—and try to negotiate a discount.
3. Buy holiday candy, decorations and wrapping paper the day after a major holiday.
4. Borrow. A friend may own a black-tie outfit you can wear to an upcoming wedding, or a tree trimmer tool you need for your summer landscaping project.
5. Get books at the library instead of purchasing your own copies.
6. Mend clothing and shoes, or pay a small fee for a pro to do the job, instead of tossing them.
7. Give yourself some time to cool off before making a big purchase. Ask these questions to help you decide whether or not to spend.
8. Buy everyday items like batteries and bottled water in bulk

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