99 Ways To Save More Money Now

Food

1. Eat at a local restaurant, where you’ll typically find better deals and cheaper fare.
2. Plan out your home-cooked dinners in advance so you can use the same ingredients in more than one dish.
3. Save and eat leftovers—from food you make and when you go out to eat.
4. Invest in a slow cooker to make delicious meals while you’re away, with plenty of leftovers to go around.
5. Stock up on wine and liquor the day after a major holiday to score discounts. Those are among the quietest days for liquor stores.

Bills & Loans

1. Negotiate your paid TV or cable bill, using current deals and offers for new customers to help make your case.
2. Cut the cable cord altogether. This bill is likely costing you at least 50k a month. try Netflix or hulu
3. Negotiate your credit card interest rate by showing your record of making on-time payments and citing competitors’ balance-transfer offers.

Work & Career

1. Use your work phone as your personal phone (if permitted by your company).
2. Or, if you use your personal phone for work, ask your employer about reimbursements, subsidies or discounts.
3. Commute via bus or train—or carpool—instead of driving your own car, if possible. (You’ll save on gas, insurance and XM radio, for starters.)
4. Pick up a side gig—like freelance writing, Uber driving or dog walking—to help boost your savings.
5. Negotiate a pay raise or counter the offer your boss makes during your yearly review. (Do your research first to check market rates, and be ready to quantify the value you bring to the company.)
6. When you get that raise, direct most or all of the additional money automatically into retirement, investment and savings accounts.
7. Ask your boss about telecommuting options, which could help you save on gas and car expenses if you have a long commute, as well as cash spent on work attire and dry cleaning.

Keep reading.

Health & Fitness

1. Look up specialists in your healthcare portal before choosing a physician to ensure that he or she is in-network.
2. Buy vitamins and contact lenses in bulk.
3. Negotiate your gym membership fees or ask for a promotional deal you found online.
4. Cancel your gym membership and exercise outside or by watching personal trainers’ classes on YouTube for free.
5. Look for other freebies in your city, like yoga classes at Lululemon or one-day workouts in public parks.