Banking, Bills, and Payments■ Set up automatic transfer of money from every paycheck to a savings account.■ Avoid ATM withdrawals that will cost you fees.■ Pay your bills on time to avoid late fees.■ Stash away money from windfalls and refunds instead of spending it.■ Declutter subscriptions and memberships often.■ Cancel automatic subscriptions and memberships.■ Round up purchases to the nearest dollar and add the difference to your savings.■ Shop around for better deals on broadband, credit cards, insurance, phone plans, and streaming subscriptions.■ Refinance your mortgage and auto loan.■ Switch to a high-yield savings account.■ Pay your credit card dues in full every month to avoid paying interest.■ Switch from monthly to half-yearly or yearly insurance payments to avoid unncessary fees.■ Look for hidden fees on every purchase.■ Pay attention to incorrect charges on bills so you can dispute said bills.■ Get multiple quotes for services to get cheaper deals.■ Find ways to save tax on your earnings.■ Sign up for customer rewards programs.■ Get overdraft fees waived if possible.■ Opt out of overdraft protection (and keep a close eye on your account balance.)Home ■ Get an energy audit of your home.■ Switch to energy-efficient lighting and appliances.■ Develop energy-efficient habits, such as switching off the lights while leaving a room.■ Unplug inactive appliances or plug them into a power strip so you can turn everything on and off with the press of a button.■ Switch to solar-powered gadgets where feasible.■ Keep your automobiles and electronics in top shape.■ Avoid electronic and automobile upgrades for novelty value.■ While buying a phone, buy a model or two older than the latest one.■ Ditch your landline.■ Lower the temperature on your thermostat.■ Switch to a programmable thermostat.■ Don’t heat unused rooms.■ Insulate your home well.■ Use fans instead of air conditioning.■ Install faucet aerators to reduce water costs.■ Fix leaky faucets and other broken items around the house.■ Pick up housewares from yard sales.■ Move furniture around to give your home a simple makeover.■ Cook meals at home. (But skip recipes that require buying ingredients you probably won’t use again.)■ Carry water and coffee from home.■ Eat seasonal foods.■ Eat local foods.■ Buy staples in bulk and during sales.■ Cut down on one supermarket trip every month and shop from your pantry instead.■ Don’t shop when you’re hungry.■ Get creative with leftovers.■ When possible, choose potluck meals over catered ones for events.■ Make meal-planning a habit to avoid ordering takeout.■ Buy a crockpot for filling yet inexpensive meals.■ Make your own cleaning supplies.■ Declutter your stuff and stop paying for a storage unit.■ Switch to cold water for doing laundry.■ Switch from a dryer to a clothesline for drying clothes.■ Adopt a pet instead of shopping for one.■ Groom your pet yourself.■ Buy locally made pet food.■ Swap pet-watching duties with another pet owner.Entertainment and Lifestyle■ Cancel costly packages and add-ons from your cable TV subscription. OR
Switch from cable TV to streaming services.■ Lower your cell phone bill by getting rid of extras.■ Borrow books and DVDs from public libraries.■ Play board games instead of going to the mall.■ Swap clothes, books, games, music, sports equipment, and other supplies with friends and family.■ Make your next holiday a staycation.■ Choose AirBnbs over hotels when you travel.■ House swap with friends and family for a vacation.■ Time a vacation to coincide with the end of a work trip and in the same location.■ Travel hack.■ Build a minimalist wardrobe.■ Avoid buying clothes that need to be dry cleaned.■ Cut your own hair.■ Volunteer as a model at a beauty school for free/discounted haircuts and other beauty treatments.■ Use up toiletries and cosmetics before buying new products.■ Switch to inexpensive/drugstore brands for toiletries and cosmetics.■ Make your own shampoo.■ Shop from duty-free stores when you travel internationally.■ Pay in cash whenever possible.■ Pick free online tutorials over paid classes when you can.■ Find free/inexpensive hobbies and activities for yourself and for your kids.■ Keep an eye out for free local events, classes, and workshops.■ Create a shopping list and stick to it.■ Buy with reward points.■ Run the household on one person’s paycheck and save the rest.■ Walk where you can. It gives you a free workout and saves on transportation costs.■ Reduce the number of cars you own.■ Wash your car yourself.■ Stick to the speed limit to avoid fines as well as inefficient gas usage.■ Ride a bike instead of driving a car.■ Take public transport more often.■ Carpool more often.■ Work from home more often.■ Move closer to work.■ Move to a cheaper neighborhood.■ Move to a smaller home.■ Cut down on smoking and alcohol.■ Reduce meat consumption.■ Split restaurant meals.■ Ask for a doggy bag to take leftovers home.■ Empty coins into a piggy bank.■ Buy used, refurbished, or open-box electronics.■ Use free and open-source software.■ Watch free movies online instead of going to the theater.■ Buy thoughtful, yet inexpensive gifts.General■ Replace disposables with reusables.■ Sell items you don’t use.■ Rent instead of buying, when possible.■ Buy multipurpose items.■ To save money in the long run, don’t skimp on quality.■ Buy used items when you can.■ Choose generic brands over name brands.■ Shop around for deals, discounts, and coupons.■ Use cashback cards, apps, and sites.■ Clip coupons.■ Avoid impulse buys.■ Downgrade your subscriptions.■ Downsize your orders.■ Consider going without.■ Learn DIY skills using free online resources.■ Trade goods and services with friends and family.■ Join local freecycling groups to donate/request useful items.■ Look for free solutions (if feasible) to replace items and services you’re paying for.



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