76 Ways to Save Money

We save because we can’t forecast the future. Saving money can help you become economically secure and provide a safety net in case of an emergency. Saving money is extremely important. It gives you peace of mind, enlarges your options for decisions that have a major effect on your quality of life, and ultimately gives you the option to retire.

  1. Change bank accounts to take advantage of perks and earn more interest
  2. Turn off the television
  3. Stop collecting, and start selling
  4. Sign up for every free customer rewards program you can
  5. Make your gifts instead of buying stuff from the store
  6. Make a list before you go shopping — and stick to it
  7. Invite friends over instead of going out
  8. Repair clothing instead of tossing it
  9. Don’t spend big money entertaining your children
  10. Negotiate rates with your credit card company or complete a balance transfer
  11. Clean out those closets
  12. Drink more water and carry a water bottle
  13. Quit smoking
  14. Turn off the lights
  15. Swap books, music, and DVDs on the internet or at the library
  16. Install LEDs wherever possible
  17. Install a programmable thermostat
  18. Buy quality appliances that will last
  19. Clean or change out your car’s air filter
  20. Quit using credit cards
  21. Do a price comparison — find a cheaper grocery store
  22. Make your own when you can
  23. Avoid stress-spending
  24. Share your dreams with people you love
  25. Do a maintenance run on your appliances
  26. Cancel unused club memberships
  27. Buy used when you can
  28. Keep your hands clean
  29. Remove your credit card numbers from your online accounts
  30. Give the gift of labor
  31. Do holiday shopping right after the holidays
  32. Join up with a volunteer program
  33. Declutter to save your sanity and some cash
  34. Try generic brands of items you buy regularly
  35. Stick to reliable, fuel-efficient cars
  36. Avoid the mall
  37. Rent out unused space in your home
  38. Create a visual reminder of your debt
  39. Cancel magazine subscriptions
  40. Eat breakfast
  41. Swap babysitting with neighbors
  42. Don’t fear leftovers — use them up instead
  43. Go through your clothes — all of them
  44. Carry your lunch
  45. Learn how to dress minimally
  46. Ask for help and encouragement from your inner circle
  47. Try to fix things yourself
  48. Keep an idea notebook in your pocket
  49. Look for a cheaper place to live
  50. Check out free events in town
  51. Start a kitchen garden
  52. Take public transportation
  53. Carpool
  54. Do some basic home and auto maintenance on a regular schedule
  55. Buy staples in bulk
  56. Pack food for road trips
  57. Go through your cell phone bill, look for services you don’t use, and ditch them
  58. When buying a car, look only at used models
  59. Use a simple razor to shave
  60. Find daily inspiration for making intelligent moves
  61. Read books — a lot of them
  62. Make your cleaning supplies instead of buying them
  63. Suggest cheap activities when meeting up with family and friends
  64. Don’t speed
  65. Buy a smaller house
  66. Always ask for fees to be waived
  67. Don’t overspend on hygiene products
  68. Make your beer or wine
  69. Cut down on your vacation spending
  70. Cancel the cable or satellite channels you don’t watch
  71. Do more charity
  72. Exercise more
  73. Utilize online bill pay with your bank
  74. Don’t beat yourself up when you make a mistake
  75. Always keep looking ahead
  76. Never give up

 Most people who are wealthy got there through a combination of their hard work, smart savings, and investment decisions. You can become one of those people, too.

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