101 Ways to Save Money: Your Ultimate Guide to Saving Money

There are quite literally thousands of ways to save money scattered across the internet.  I’ve gathered 101 of the best here to save you a trip through endless pages of Google search results. Some are on nearly every list of money-saving ideas, while some are relatively unique.

These are in no particular order, so be sure to read through them all.  Whatever the case, this list will almost definitely give you a few new ideas to try to save money!

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  1. Cut back on the coffee shop (it really does add up!).
  2. Cook at home when you can, and pack as much as possible when you can’t.
  3. Batch cook whenever possible. A huge pot of soup will last you a while if you freeze the leftovers!
  4. Buy in bulk when you can.
  5. Organise what you have already. You’re less likely to buy a duplicate if you know what you have on hand! Check out our organisation archive to help you get started organising to save money.
  6. Avoid interest fees.
  7. Utilise accounts without excess finance charges and fees.
  8. Figure out if using a card or cash makes it easier for you to spend. . . then do the opposite.
  9. Budget! Even the most basic budget will help you save money.
  10. Search out discount entertainment.
  11. Always check for coupon codes (I love Honey for that!).
  12. Avoid impulse purchases. Try to wait at least a day to buy something, in case you change your mind.
  13. Buy used items whenever possible. Thrift shops, consignment shops, and apps like eBay, LetGo, and Poshmark are your friend!
  14. Always check the dollar (or pound, etc.) store. There are so many great deals to be had!
  15. Use the local library! From books to movies to ebooks, you’ll find quality entertainment for free.
  16. Before buying something, look into a DIY version. It’s often easier than you’d think! YouTube or Pinterest are great places to start.
  17. Compare costs for utilities, insurance, and other bills whenever possible.
  18. Walk to where you’re going whenever you can if you’re able.
  19. Check for and cancel recurring fees you don’t need, like that free trial subscription you forgot about.
  20. DIY your beauty procedures. Cut your hair, paint your nails, etc. at home! If you’re not that confident in your abilities, research local beauty schools to find one that may offer discounted rates for students’ services.
  21. Use vinegar to clean. You can get a huge bottle for incredible prices!
  22. Use free samples when you can.  Just remember that you don’t need every freebie you come across.
  23. Adjust the heat or AC by a few degrees.
  24. Use apps like Ibotta or Ebates to get money back where applicable.
  25. Use coupons! Sometimes you can even write to a company with your compliments and they’ll thank you with a coupon.
  26. Unplug electronics you aren’t using.
  27. Turn off the lights, water, etc. when they aren’t in use.
  28. Create your own seasoning mixes (buy your basic spices in bulk and have endless combinations!).
  29. Always check the clearance and sale sections for items you need.
  30. Play “Chopped” with dinner – find the ingredients that are close to expiring and find a creative, delicious way to combine them!
  31. Always use a shopping list. I love using Alexa* for this to make it even easier.
  32. Plan your meals. Even a vague outline is helpful!
  33. Use all the pieces of what you buy or make. Save the aquafaba from those chickpeas. Reuse the margarine container for leftovers. Eat the end piece of bread.
  34. If you aren’t already vegan or vegetarian, try Meatless Mondays (or whatever day of the week you prefer).
  35. When getting produce, buy what’s in season (or see if your local dollar store has a frozen version!).
  36. Try out some copycat recipes (like our vegan copycat McDonald’s burger!) to satisfy your takeaway cravings.
  37. Use reusable items whenever possible – save the planet and save money! Some stores will even take a few cents off your order if you bring your own bag.
  38. Eat before you go shopping. You’ll almost always buy more if you get groceries while hungry! Plus, you’ll be less likely to purchase a soft pretzel at the mall if you had lunch before heading out.
  39. Use a basket/bag or a smaller cart when shopping, unless you know you need a large order.
  40. If you’re able, try to garden a bit to grow your own produce. Even a few herbs on a windowsill will save you a couple dollars!
  41. Compare prices at more than one store, especially for big purchases.
  42. Compare prices in store, too! Consider the generic item (check out a wonderful guest post on buying generic vs. brand name here!) and compare unit prices of different sizes and brands.
  43. Research interest rates. Find a savings account that will grow the most and debt that will grow the least!
  44. Automate your savings. This is easiest if you have a regular income, but even a dollar set aside automatically will add up.
  45. Keep an eye on your accounts. Not only is it important to watch for suspicious charges, but it’s crucial to know where your money is going (especially to avoid overdraft fees!).
  46. Use your bank’s ATM when possible. Many accounts charge a fee when you use another company’s ATM. Even the tiniest fees add up!
  47. Compare prescription costs.  Try to get a generic version when you can, or see if getting a larger supply may be cheaper in the long run.
  48. Take free classes! If a local organisation doesn’t offer something (or if you’re a homebody like myself), check out sites like Coursera or FutureLearn. You’ll gain a new skill or lots of information and keep yourself busy! If you’re looking for something less structured, look for informational videos on YouTube.
  49. If you’re already using streaming sites like Netflix, Hulu, or Amazon Prime*, consider dropping your cable subscription and using these. Or, try a device like the Fire Stick* or see if you can drop the channels you don’t use for a discount.
  50. Make gifts for special occasions, or at least DIY your wrapping.
  51. Swap with or borrow from friends. Get some friends together to exchange books or movies, clothes, or other goodies for a few weeks. You’ll get to try something new without the price tag!
  52. Do a quick Google search for cheap or free things to do locally. You might find something in your backyard you’ve been missing out on!
  53. Avoid saving card numbers in shopping apps and websites. It may take a few extra seconds (and maybe even make you walk into the other room for your wallet), but it will help you to avoid impulse purchases.
  54. Scan adverts for what is on your list. Remember: it being on sale doesn’t mean you need to buy it.
  55. Drink more water!
  56. Compromise, either with yourself or those you share a budget with. Can’t bring yourself to give up that monthly night out? Consider having dessert at home. Can’t resist that new video game? Sell the old version you no longer play to add a couple of dollars to your fund.
  57. Maintain what you already have, whether it’s your car or your favourite jumper.
  58. Know when to upgrade. Especially when it comes to appliances, it can genuinely be more cost-effective to switch to a newer model.
  59. Combine errands. Especially if you’re driving, you can save gas, money, and time, by planning your shopping and other errands in one fell swoop.
  60. Travelling? Be sure to check multiple sites before you book anything, and be sure to clear your cookies between viewings to avoid being overcharged.
  61. Remember why you’re saving. Whether you want to make a big purchase or you’re hoping to improve your financial situation, reminding yourself of your end goal is the best motivator.
  62. Avoid late fees at all costs. Keep track of and pay your bills on time!
  63. If you live somewhere that offers payment for recyclables, take advantage! Your friends and family may even be willing to donate theirs to your cause.
  64. Hang clothes to dry whenever possible.
  65. Pay off your credit card(s) balances completely each month. Using them regularly will help your credit, but gaining interest is the opposite of helpful!
  66. Learn some new recipes. The more you can cook, the less you’ll have to/want to buy! Make your own sauce, for example, to avoid buying jars or cans of it at the store.
  67. Learn to can and preserve all sorts of foods.
  68. Solve any draft or insulation problems in your home.
  69. Make sure you’re using WiFi rather than data on your cell phone when possible.
  70. Exercise for free at home or outside, rather than paying for a gym membership.
  71. Find discount sources for items you want to buy. For example, ThriftBooks is a great spot for picking up those books you just have to own.
  72. Take advantage of the resources you already have. Maybe your company has employee discounts on certain services. If you have a service like Amazon Prime*, you may have dozens of features like free music, movies, or ebooks, that you’ve been overlooking.
  73. Start having free or low-cost date night. You don’t need to go out for dinner anda movie to have a great date with your partner! There are hundreds of ideas on sites like Pinterest, and you can likely come up with even more yourself – after all, you know yourself and your SO best.
  74. Similarly, find free activities for the whole family! Spending time with your loved ones is the most important part.
  75. Switch items like light bulbs to save money and energy.
  76. Know yourself. If you can’t check an advert or Groupon without deciding you need something that’s really a want, avoid it. It’s not worth the money you’ll save otherwise if you’re spending even more!
  77. Check local flea markets and yard sales. Online versions, like the many Facebook groups for buying and selling, are great options, too.
  78. Before turning up your heat or air conditioning, try alternative ideas, like pulling on another jumper or a glass of ice-cold water.
  79. Conversely to some of the suggestions above, if you really can’t give up cable, consider dropping your streaming services instead.
  80. Give yourself a barrier to spending. You don’t need to go so far as freezing your cards, but making it even a little more difficult to spend can help. Keep your cards or cash in the hard-to-open section of your wallet or even leave it at home, if you know you won’t actually need to spend money.
  81. Tell someone about your goal to save money. Having someone to keep you accountable can be super helpful in reaching any goal.
  82. If you can make more money by negotiating a raise or starting a side hustle, try to put most, if not all, of that extra money directly into savings.
  83. Try out a savings challenge. There are tons of variations online, so there’s bound to be something that can work for you.
  84. Try to fix things before replacing them. Sew a tear in your shirt, replace a missing button, or add a patch to your ripped jeans. Google a fix to a computer issue. It’s worth taking a few minutes in an attempt to find a fix.
  85. Give yourself a bit of wiggle room. If you cut yourself off completely, you’re more likely to fail. A long as you’re strict with your “fun money’ allowance, you could save yourself from impulsively spending far more money.
  86. Check out rewards cards. If you’re in the market for a credit card, try to find one with rewards that will truly benefit you.  Check if your favourite stores have rewards cards to get bonuses for what you’re already spending.
  87. Accept gifts or charity when it is offered. Pride is one thing, but if mom and dad offer to buy you a grocery order, there’s no shame in taking them up on it.
  88. Buy multi-use items. Choose grocery items that will work for multiple meals or an appliance that will do more than one task.
  89. Take advantage of applicable discounts. Whether you’re a student, a veteran, or a senior, it can’t hurt to ask or Google if a discount is available.
  90. Adjust recipes. You want to make sure you use any leftovers, and if you know you won’t eat them after two days of the same meal, don’t make that much initially, especially if it’s something that won’t freeze well for future use. It’s not hard to halve or even quarter a big recipe (you can even Google the conversion – we won’t judge!).
  91. Make sure you actually have a savings account. Don’t miss out on earning interest!
  92. Write down your spending, especially for payments that are automatically deducted from your accounts. It’s important to know where your funds are already going in order to save money!
  93. If you get unexpected or extra income, like a tax refund or a bonus at work, try to put it directly into savings.
  94. When you do purchase something with your “fun money,” try to add an equal amount to savings.
  95. If you tend to get overly enthusiastic about the sales and deals that your favourite store sends out via email, unsubscribe or use a tool like Unroll.me to keep it out of sight and out of mind.
  96. Consider a financial advisor or debt management program to revamp your finances and allow you more freedom to save money.
  97. Have a no spend day and save money you would have otherwise spent.
  98. Check in on your progress regularly. Even if it’s slow at first, watching your savings increase is a great way to get some motivation to keep going.
  99. Quit or cut back on costly habits like smoking or drinking in excess.
  100. Question your purchases. Take just a second to ask yourself why you’re buying an item. It might be the reminder you need to realise you don’t need it!
  101. Visualise your end goal. This sounds like a great opportunity for a bullet journal savings spread!

101 Ways to Save Money

Which of these are your favourite ways to save money? Are there any ideas you’d add?

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