🕷️ Crawler Inspector

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Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 192 (from laksa046)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa192.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://finance.yahoo.com/personal-finance/banking/article/clever-ways-to-save-money-195800508.html\')), getAhrefsUnparsedNoserviceFromURL(\'https://finance.yahoo.com/personal-finance/banking/article/clever-ways-to-save-money-195800508.html\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/clever-ways-to-save-money-195800508.html","crawl_time":1775702322,"first_indexed_time":1748548094,"http_code":200,"src_unparsed":"com,yahoo!finance,\/personal-finance\/banking\/article\/clever-ways-to-save-money-195800508.html s443","src_root_hash":"3401813433841292792","history_drop_reason":null,"meta_title":"10 clever ways to save money that really work","meta_descriptions":["If you struggle to set aside extra cash, try these clever ways to save money. With these strategies, you can save money without straining your budget."],"attrs_boilerpipe_text":"In light of stubborn inflation and rising living costs,\nsaving money\ncan be especially challenging. Even if you successfully cut back on spending, you may still have little leftover to save by the end of the month.\nIn this case, finding extra money to save may require some creativity. So, consider these clever strategies that can help.\nTypically, a shopping list involves listing out all of the items you’re missing at home that you plan to purchase. However, if you’re trying to save money, reduce waste, and generally get organized, you may want to consider creating a “reverse” shopping list instead.\nWith a reverse shopping list, you list out the things you already have to avoid duplicate purchases and make better use of existing ingredients. For example, if you already have pasta, canned tomatoes, and garlic, your reverse shopping list might show you that all you need to buy is parmesan and basil to make a full pasta dinner.\nYou might be familiar with the swear jar, which requires you to add money to the jar whenever you say a bad word. Why not turn that idea on its head and reward yourself when you do something good?\nHere’s how a savings jar works: When you\navoid an impulse purchase\n, reward yourself by setting aside a small amount (such as $5-$10). You can put your funds in a physical jar, or deposit your money in a dedicated savings account that serves as a symbolic savings jar — and also earns interest.\nRead more:\nHow to save cash: 7 ways to protect and grow your liquid savings\n7 effective strategies for saving money in college\nWhat’s more important: Saving money or paying off debt?\nMost Americans are dissatisfied with their savings, survey shows\nIf you’re a visual learner, creating a savings tracker to monitor your progress toward specific goals — whether you’re saving for a rainy day, retirement, or your next big vacation — could help accelerate your progress. For instance, you might have an X and Y graph with a line that visually shows your savings increasing over time. Or you could post a photo of the goal you are saving toward on your refrigerator to keep yourself motivated.\nOne way to grow your savings is in the literal sense — by growing things you would otherwise buy. For example, you can start a small herb or container garden to reduce your grocery spending. This won’t necessarily lead to substantial savings, but it can be a fun and rewarding experience regardless.\nRead more:\nHow to save money quickly: 6 tips to increase savings in a pinch\nHotel rooms can be expensive, so why not try a house swap for your next vacation? With a house swap, you exchange homes with another person or family for a set period, allowing both parties to stay in each other’s homes instead of booking hotels or rentals. You can house-swap with friends and family, or sign up for a service such as HomeExchange.\nYour local library is one of the most underrated sources of savings. In addition to books and audiobooks, you can often rent movies, access streaming subscriptions, join free classes and workshops, and take advantage of free wi-fi and computers. These items don’t have to be purely educational, and you can find plenty of things that are more for entertainment purposes.\nTo keep things interesting, challenge yourself to save a random amount of money daily. You can do this by rolling a die and transferring the matching amount to savings each day. So, you might transfer $1, $2, $3, etc.\nThis simple idea can help you stay motivated since you don’t know how much money you will save until you roll, but it will always be a manageable amount. See how long you can keep the challenge going.\nRead more:\nHow the 52-week savings challenge can help you save $1,300 in one year\nSome bills, such as gas and electricity, are\nvariable expenses\nthat change based on usage. If your bills vary monthly, try guessing how much they will be before receiving them. Once you receive the bill, save the difference between your guess and the actual amount, whether your guess was higher or lower. This can be a fun way to get better at estimating your\nmonthly expenses\nwhile building your cash reserves.\nBartering is the practice of trading goods and services instead of exchanging money. You may already have valuable items at home that you don’t necessarily need, which you can use to barter.\nFor example, if you started that home garden, you might be able to swap zucchinis and tomatoes with a neighbor who is willing to mow your lawn in exchange. Or give away the clothes your kids have outgrown to someone who can provide dog walking services.\nIf you live in a big city, joining your local Buy Nothing group is a great idea. These Facebook groups allow locals to list items they want to give away for free — no payment, trading, or bartering allowed. All you have to do is pick them up.\nTo find a Buy Nothing group, visit\nBuyNothingProject.org\nor search \"Buy Nothing [your town\/neighborhood]\" on Facebook. Once you’re in, you can either create a “give” post offering up anything you no longer need (like toys, clothes, and furniture), or create an “ask” post, where you request a specific item. Once you find someone, it’s up to you two to coordinate a pickup.","attrs_markdown":"SOMETHING\\_WENT\\_WRONG\n\n[SKIP\\_TO\\_NAVIGATION](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/clever-ways-to-save-money-195800508.html#navigation-container)  [SKIP\\_NAVIGATION](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/clever-ways-to-save-money-195800508.html#nimbus-app)\n\n# YAHOO\\_FINANCE\n- [News](https:\/\/www.yahoo.com\/)\n  - [Today's news](https:\/\/www.yahoo.com\/news\/)\n  - [US](https:\/\/www.yahoo.com\/news\/us\/)\n  - [Politics](https:\/\/www.yahoo.com\/news\/politics\/)\n  - [World](https:\/\/www.yahoo.com\/news\/world\/)\n  - [Weather](https:\/\/weather.yahoo.com\/)\n  - [Climate change](https:\/\/www.yahoo.com\/issues\/climate-change\/)\n  - [Health](https:\/\/health.yahoo.com\/)\n    - [Wellness](https:\/\/health.yahoo.com\/wellness\/)\n      - [Mental health](https:\/\/health.yahoo.com\/wellness\/mental-health\/)\n      - [Sexual health](https:\/\/health.yahoo.com\/wellness\/sexual-health\/)\n      - [Dermatology](https:\/\/health.yahoo.com\/wellness\/dermatology\/)\n      - [Oral health](https:\/\/health.yahoo.com\/wellness\/oral-health\/)\n      - [Hair loss](https:\/\/health.yahoo.com\/wellness\/hair-loss\/)\n      - [Foot health](https:\/\/health.yahoo.com\/wellness\/foot-health\/)\n    - [Nutrition](https:\/\/health.yahoo.com\/nutrition\/)\n      - [Healthy eating](https:\/\/health.yahoo.com\/nutrition\/healthy-eating\/)\n      - [Meal delivery](https:\/\/health.yahoo.com\/nutrition\/meal-delivery\/)\n      - [Weight loss](https:\/\/health.yahoo.com\/nutrition\/weight-loss\/)\n      - [Vitamins and supplements](https:\/\/health.yahoo.com\/nutrition\/vitamins-supplements\/)\n    - [Fitness](https:\/\/health.yahoo.com\/fitness\/)\n      - [Equipment](https:\/\/health.yahoo.com\/fitness\/equipment\/)\n      - [Exercise](https:\/\/health.yahoo.com\/fitness\/exercise\/)\n    - [Women's health](https:\/\/health.yahoo.com\/womens-health\/)\n    - [Sleep](https:\/\/health.yahoo.com\/sleep\/)\n      - [Best mattress](https:\/\/health.yahoo.com\/wellness\/sleep\/mattresses\/article\/best-mattresses-000155774.html)\n    - [Healthy aging](https:\/\/health.yahoo.com\/healthy-aging\/)\n      - [Hearing](https:\/\/health.yahoo.com\/healthy-aging\/hearing\/)\n      - [Mobility](https:\/\/health.yahoo.com\/healthy-aging\/mobility\/)\n  - [Science](https:\/\/www.yahoo.com\/news\/science\/)\n  - [Originals](https:\/\/www.yahoo.com\/guides\/originals\/)\n  - [Newsletters](https:\/\/news.yahoo.com\/newsletters\/)\n  - [Games](https:\/\/www.yahoo.com\/games)\n- [Life](https:\/\/www.yahoo.com\/lifestyle\/)\n  - [Health](https:\/\/health.yahoo.com\/)\n    - [Wellness](https:\/\/health.yahoo.com\/wellness\/)\n      - [Nutrition](https:\/\/health.yahoo.com\/wellness\/nutrition\/)\n      - [Fitness](https:\/\/health.yahoo.com\/wellness\/fitness\/)\n      - [Healthy aging](https:\/\/health.yahoo.com\/wellness\/healthy-aging\/)\n      - [Sleep](https:\/\/health.yahoo.com\/wellness\/sleep\/)\n    - [Your body](https:\/\/health.yahoo.com\/your-body\/)\n      - [Children's health](https:\/\/health.yahoo.com\/your-body\/childrens-health\/)\n      - [Dermatology](https:\/\/health.yahoo.com\/your-body\/dermatology\/)\n      - [Foot health](https:\/\/health.yahoo.com\/your-body\/foot-health\/)\n      - [Hair loss](https:\/\/health.yahoo.com\/your-body\/hair-loss\/)\n      - [Oral health](https:\/\/health.yahoo.com\/your-body\/oral-health\/)\n      - [Sexual health](https:\/\/health.yahoo.com\/your-body\/sexual-health\/)\n      - [Weight management](https:\/\/health.yahoo.com\/your-body\/weight-management\/)\n      - [Women's health](https:\/\/health.yahoo.com\/your-body\/womens-health\/)\n    - [Conditions](https:\/\/health.yahoo.com\/conditions\/)\n      - [Cardiovascular health](https:\/\/health.yahoo.com\/conditions\/cardiovascular-health\/)\n      - [Digestive health](https:\/\/health.yahoo.com\/conditions\/digestive-health\/)\n      - [Endocrine system](https:\/\/health.yahoo.com\/conditions\/endocrine-system\/)\n      - [Hearing](https:\/\/health.yahoo.com\/conditions\/hearing\/)\n      - [Mental health](https:\/\/health.yahoo.com\/conditions\/mental-health\/)\n  - [Parenting](https:\/\/www.yahoo.com\/lifestyle\/family-relationships\/)\n    - [Family health](https:\/\/www.yahoo.com\/lifestyle\/family-relationships\/)\n    - [So mini ways](https:\/\/www.yahoo.com\/guides\/so-mini-ways\/)\n  - [Style and beauty](https:\/\/www.yahoo.com\/lifestyle\/style-beauty\/)\n    - [It Figures](https:\/\/www.yahoo.com\/guides\/it-figures\/)\n    - [Unapologetically](https:\/\/www.yahoo.com\/guides\/unapologetically\/)\n  - [Horoscopes](https:\/\/www.yahoo.com\/lifestyle\/horoscope\/)\n  - [Shopping](https:\/\/shopping.yahoo.com\/)\n    - [Style](https:\/\/shopping.yahoo.com\/style\/)\n      - [Accessories](https:\/\/shopping.yahoo.com\/style\/accessories\/)\n      - [Clothing](https:\/\/shopping.yahoo.com\/style\/clothing\/)\n      - [Luggage](https:\/\/shopping.yahoo.com\/style\/luggage\/)\n      - [Shoes](https:\/\/shopping.yahoo.com\/style\/shoes\/)\n    - [Beauty](https:\/\/shopping.yahoo.com\/beauty\/)\n      - [Fragrance](https:\/\/shopping.yahoo.com\/beauty\/fragrance\/)\n      - [Hair](https:\/\/shopping.yahoo.com\/beauty\/hair\/)\n      - [Makeup](https:\/\/shopping.yahoo.com\/beauty\/makeup\/)\n      - [Nails](https:\/\/shopping.yahoo.com\/beauty\/nails\/)\n      - [Skincare](https:\/\/shopping.yahoo.com\/beauty\/skincare\/)\n      - [Sunscreen](https:\/\/shopping.yahoo.com\/beauty\/sunscreen\/)\n    - [Health](https:\/\/shopping.yahoo.com\/health\/)\n      - [Dental](https:\/\/shopping.yahoo.com\/health\/dental\/)\n      - [Fitness](https:\/\/shopping.yahoo.com\/health\/fitness\/)\n      - [Hair loss](https:\/\/shopping.yahoo.com\/health\/hair-loss\/)\n      - [Mental health](https:\/\/shopping.yahoo.com\/health\/mental-health\/)\n      - [Nutrition](https:\/\/shopping.yahoo.com\/health\/nutrition\/)\n      - [Personal care](https:\/\/shopping.yahoo.com\/health\/personal-care\/)\n      - [Sleep](https:\/\/shopping.yahoo.com\/health\/sleep\/)\n      - [Women's health](https:\/\/shopping.yahoo.com\/health\/womens-health\/)\n    - [Home and garden](https:\/\/shopping.yahoo.com\/home-garden\/)\n      - [Bath](https:\/\/shopping.yahoo.com\/home-garden\/bath\/)\n      - [Bedding](https:\/\/shopping.yahoo.com\/home-garden\/bedding\/)\n      - [Cleaning](https:\/\/shopping.yahoo.com\/home-garden\/cleaning\/)\n      - [Gardening](https:\/\/shopping.yahoo.com\/home-garden\/gardening\/)\n      - [Home decor](https:\/\/shopping.yahoo.com\/home-garden\/home-decor\/)\n      - [Home improvement](https:\/\/shopping.yahoo.com\/home-garden\/home-improvement\/)\n      - [Kitchen](https:\/\/shopping.yahoo.com\/home-garden\/kitchen\/)\n      - [Outdoor](https:\/\/shopping.yahoo.com\/home-garden\/outdoor\/)\n    - [Pets](https:\/\/shopping.yahoo.com\/pets\/)\n    - [Tech](https:\/\/shopping.yahoo.com\/tech\/)\n      - [Accessories](https:\/\/shopping.yahoo.com\/tech\/accessories\/)\n      - [Audio](https:\/\/shopping.yahoo.com\/tech\/audio\/)\n      - [Auto](https:\/\/shopping.yahoo.com\/tech\/auto\/)\n      - [Computers](https:\/\/shopping.yahoo.com\/tech\/computing\/)\n      - [Phones](https:\/\/shopping.yahoo.com\/tech\/phones\/)\n      - [Smart home](https:\/\/shopping.yahoo.com\/tech\/smart-home\/)\n      - [Streaming](https:\/\/shopping.yahoo.com\/tech\/streaming\/)\n      - [TVs](https:\/\/shopping.yahoo.com\/tech\/tvs\/)\n    - [Gift ideas](https:\/\/shopping.yahoo.com\/gift-ideas\/)\n      - [Best gifts for men](https:\/\/shopping.yahoo.com\/gift-ideas\/article\/best-gift-ideas-for-men-200430444.html)\n      - [Best gift cards](https:\/\/shopping.yahoo.com\/gift-ideas\/article\/best-gift-cards-184432258.html)\n      - [Best gifts for mom](https:\/\/shopping.yahoo.com\/gift-ideas\/article\/best-gifts-for-mom-172933189.html)\n      - [Best gifts for teens](https:\/\/shopping.yahoo.com\/gift-ideas\/article\/best-gifts-for-teens-185109070.html)\n      - [Best gifts for couples](https:\/\/shopping.yahoo.com\/gift-ideas\/article\/the-best-gifts-for-couples-that-theyll-both-enjoy-172612914.html)\n      - [Best gifts for sister-in-law](https:\/\/shopping.yahoo.com\/gift-ideas\/article\/best-gifts-for-sister-in-law-183727870.html)\n      - [Best gifts for girlfriends](https:\/\/www.yahoo.com\/lifestyle\/gift-ideas\/article\/best-gifts-for-girlfriend-181221554.html)\n      - [Best gifts for grandma](https:\/\/shopping.yahoo.com\/gift-ideas\/article\/best-gifts-for-grandma-161601644.html)\n      - [Best gifts for sisters](https:\/\/shopping.yahoo.com\/gift-ideas\/article\/best-gifts-for-sisters-201742159.html)\n      - [Best gifts for husbands](https:\/\/shopping.yahoo.com\/gift-ideas\/article\/best-gifts-for-husband-164048138.html)\n      - [Best birthday gifts for her](https:\/\/shopping.yahoo.com\/gift-ideas\/article\/birthday-gifts-for-her-214215513.html)\n      - [Best get well soon gifts](https:\/\/shopping.yahoo.com\/gift-ideas\/article\/best-get-well-soon-gifts-163733353.html)\n      - [Best travel gifts](https:\/\/shopping.yahoo.com\/gift-ideas\/article\/the-best-travel-gifts-for-the-jet-setters-in-your-life-according-to-frequent-fliers-173720063.html)\n      - [Best gifts for mother-in-law](https:\/\/shopping.yahoo.com\/gift-ideas\/article\/best-gifts-for-mother-in-law-170519303.html)\n      - [Best anniversary gifts for wife](https:\/\/shopping.yahoo.com\/gift-ideas\/article\/anniversary-gift-wife-180730480.html)\n    - [Stores](https:\/\/shopping.yahoo.com\/stores\/)\n      - [Amazon](https:\/\/shopping.yahoo.com\/stores\/amazon\/)\n      - [Best Buy](https:\/\/shopping.yahoo.com\/stores\/best-buy\/)\n      - [Coach Outlet](https:\/\/shopping.yahoo.com\/stores\/coach-outlet\/)\n      - [Home Depot](https:\/\/shopping.yahoo.com\/stores\/home-depot\/)\n      - [Kate Spade New York](https:\/\/shopping.yahoo.com\/stores\/kate-spade-new-york\/)\n      - [Lowes](https:\/\/shopping.yahoo.com\/stores\/lowes\/)\n      - [Macy's](https:\/\/shopping.yahoo.com\/stores\/macys\/)\n      - [Nordstrom](https:\/\/shopping.yahoo.com\/stores\/nordstrom\/)\n      - [Sephora](https:\/\/shopping.yahoo.com\/stores\/sephora\/)\n      - [Sur La Table](https:\/\/shopping.yahoo.com\/stores\/sur-la-table\/)\n      - [Target](https:\/\/shopping.yahoo.com\/stores\/target\/)\n      - [Ulta](https:\/\/shopping.yahoo.com\/stores\/ulta-beauty\/)\n      - 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[Best bras](https:\/\/shopping.yahoo.com\/style\/clothing\/article\/best-bras-152359298.html)\n      - [Best nontoxic nail polish](https:\/\/shopping.yahoo.com\/beauty\/nails\/article\/the-best-non-toxic-nail-polish-201830177.html)\n      - [Best under eye cream](https:\/\/shopping.yahoo.com\/beauty\/skincare\/article\/best-under-eye-creams-223255282.html)\n      - [Best skin tightening creams](https:\/\/shopping.yahoo.com\/beauty\/skincare\/article\/best-skin-tightening-creams-212112383.html)\n      - [Best coffee makers](https:\/\/shopping.yahoo.com\/home-garden\/kitchen\/article\/best-single-serve-coffee-maker-215624408.html)\n      - [Best comforters](https:\/\/shopping.yahoo.com\/home-garden\/bedding\/article\/best-comforters-182052430.html)\n      - [Best mops](https:\/\/shopping.yahoo.com\/home-garden\/cleaning\/article\/best-mops-191618379.html)\n      - [Best Hoka shoes for walking](https:\/\/shopping.yahoo.com\/style\/shoes\/article\/best-hoka-shoes-for-walking-153232234.html)\n      - 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[Best High-Yield Savings Accounts](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/10-best-high-yield-savings-accounts-for-april-2026-earn-up-to-410-apy-171334124.html)\n   3. [Best Money Market Accounts](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/4-percent-interest-money-market-accounts-160154289.html)\n   4. [Best Free Checking Accounts](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/best-free-checking-accounts-195709452.html)\n   5. [Best Online Banks](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/best-online-banks-225003422.html)\n3. [Best CD Rates](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/best-cd-rates-201308688.html)\n4. [Best High-Yield Savings Accounts](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/10-best-high-yield-savings-accounts-for-april-2026-earn-up-to-410-apy-171334124.html)\n5. [Best Money Market Accounts](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/4-percent-interest-money-market-accounts-160154289.html)\n6. [Best Free Checking Accounts](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/best-free-checking-accounts-195709452.html)\n7. [Best Online Banks](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/best-online-banks-225003422.html)\n\n...\n\nADVERTISEMENT\n\n1. [Personal Finance](https:\/\/finance.yahoo.com\/personal-finance\/)\n2. \/\n3. [Banking](https:\/\/finance.yahoo.com\/personal-finance\/banking\/)\n\nSome offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our [Advertiser Disclosure](https:\/\/finance.yahoo.com\/personal-finance\/guidelines-for-personal-finance-content-222326718.html).\n\n[![Yahoo Personal Finance](https:\/\/s.yimg.com\/ny\/api\/res\/1.2\/CG1fItRs06KVm5zJRlJavg--\/YXBwaWQ9aGlnaGxhbmRlcjt3PTIzMjtoPTQ4\/https:\/\/s.yimg.com\/os\/creatr-uploaded-images\/2020-12\/e70e9a00-35a2-11eb-bdfd-3f73c982ffa9)](https:\/\/finance.yahoo.com\/ \"Yahoo Personal Finance\")\n\n# 10 clever ways to save money that really work\nThink outside the box and build your savings with these money-saving tips.\n\n![](https:\/\/s.yimg.com\/ny\/api\/res\/1.2\/v9NlmpFIb.muHJ7coYh7jA--\/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTY0MA--\/https:\/\/s.yimg.com\/os\/creatr-uploaded-images\/2025-05\/e5b2e090-3bff-11f0-bff9-cc4c6bb3831a)\n\nYahoo Personal Finance · Getty Images\n\n[B](https:\/\/finance.yahoo.com\/author\/bob-haegele)\n\n[Bob Haegele](https:\/\/finance.yahoo.com\/author\/bob-haegele)\n\nMay 28, 2025\n\n5 MINUTES\\_READ\n\nIn light of stubborn inflation and rising living costs, [saving money](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/how-to-save-money-193015616.html) can be especially challenging. Even if you successfully cut back on spending, you may still have little leftover to save by the end of the month.\n\nIn this case, finding extra money to save may require some creativity. So, consider these clever strategies that can help.\n\nEU\\_CONSENT\\_BLOCKED\n\n## 1\\. Write a reverse shopping list\nTypically, a shopping list involves listing out all of the items you’re missing at home that you plan to purchase. However, if you’re trying to save money, reduce waste, and generally get organized, you may want to consider creating a “reverse” shopping list instead.\n\nWith a reverse shopping list, you list out the things you already have to avoid duplicate purchases and make better use of existing ingredients. For example, if you already have pasta, canned tomatoes, and garlic, your reverse shopping list might show you that all you need to buy is parmesan and basil to make a full pasta dinner.\n\n## 2\\. Start a savings jar\nYou might be familiar with the swear jar, which requires you to add money to the jar whenever you say a bad word. Why not turn that idea on its head and reward yourself when you do something good?\n\nHere’s how a savings jar works: When you [avoid an impulse purchase](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/30-day-savings-rule-210839516.html), reward yourself by setting aside a small amount (such as \\$5-\\$10). You can put your funds in a physical jar, or deposit your money in a dedicated savings account that serves as a symbolic savings jar — and also earns interest.\n\n*Read more:* [*How to save cash: 7 ways to protect and grow your liquid savings*](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/how-to-save-cash-215642060.html)\n\n### UP\\_NEXT\n- [7 effective strategies for saving money in college](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/how-to-save-money-in-college-223128507.html)\n  ***\n- [What’s more important: Saving money or paying off debt?](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/save-money-or-pay-off-debt-225315776.html)\n  ***\n- [Most Americans are dissatisfied with their savings, survey shows](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/state-of-savings-report-110009028.html)\n## 3\\. Create a visual savings tracker\nIf you’re a visual learner, creating a savings tracker to monitor your progress toward specific goals — whether you’re saving for a rainy day, retirement, or your next big vacation — could help accelerate your progress. For instance, you might have an X and Y graph with a line that visually shows your savings increasing over time. Or you could post a photo of the goal you are saving toward on your refrigerator to keep yourself motivated.\n\n## 4\\. “Grow” your savings\nOne way to grow your savings is in the literal sense — by growing things you would otherwise buy. For example, you can start a small herb or container garden to reduce your grocery spending. This won’t necessarily lead to substantial savings, but it can be a fun and rewarding experience regardless.\n\n*Read more:* [*How to save money quickly: 6 tips to increase savings in a pinch*](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/how-to-save-money-quickly-221353612.html)\n\n## 5\\. Try a house-swap vacation\nHotel rooms can be expensive, so why not try a house swap for your next vacation? With a house swap, you exchange homes with another person or family for a set period, allowing both parties to stay in each other’s homes instead of booking hotels or rentals. You can house-swap with friends and family, or sign up for a service such as HomeExchange.\n\n## 6\\. Take advantage of your local library\nYour local library is one of the most underrated sources of savings. In addition to books and audiobooks, you can often rent movies, access streaming subscriptions, join free classes and workshops, and take advantage of free wi-fi and computers. These items don’t have to be purely educational, and you can find plenty of things that are more for entertainment purposes.\n\n## 7\\. Randomize your savings\nTo keep things interesting, challenge yourself to save a random amount of money daily. You can do this by rolling a die and transferring the matching amount to savings each day. So, you might transfer \\$1, \\$2, \\$3, etc.\n\nThis simple idea can help you stay motivated since you don’t know how much money you will save until you roll, but it will always be a manageable amount. See how long you can keep the challenge going.\n\n*Read more:* [*How the 52-week savings challenge can help you save \\$1,300 in one year*](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/52-week-savings-challenge-195251397.html)\n\n## 8\\. Guess your bills\nSome bills, such as gas and electricity, are [variable expenses](https:\/\/finance.yahoo.com\/personal-finance\/banking\/comparison\/fixed-expenses-vs-variable-expenses-140051358.html) that change based on usage. If your bills vary monthly, try guessing how much they will be before receiving them. Once you receive the bill, save the difference between your guess and the actual amount, whether your guess was higher or lower. This can be a fun way to get better at estimating your [monthly expenses](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/monthly-expenses-list-170443769.html) while building your cash reserves.\n\n## 9\\. Barter with what you have\nBartering is the practice of trading goods and services instead of exchanging money. You may already have valuable items at home that you don’t necessarily need, which you can use to barter.\n\nFor example, if you started that home garden, you might be able to swap zucchinis and tomatoes with a neighbor who is willing to mow your lawn in exchange. Or give away the clothes your kids have outgrown to someone who can provide dog walking services.\n\n## 10\\. Buy nothing\nIf you live in a big city, joining your local Buy Nothing group is a great idea. These Facebook groups allow locals to list items they want to give away for free — no payment, trading, or bartering allowed. All you have to do is pick them up.\n\nTo find a Buy Nothing group, visit [BuyNothingProject.org](https:\/\/buynothingproject.org\/) or search \"Buy Nothing \\[your town\/neighborhood\\]\" on Facebook. Once you’re in, you can either create a “give” post offering up anything you no longer need (like toys, clothes, and furniture), or create an “ask” post, where you request a specific item. Once you find someone, it’s up to you two to coordinate a pickup.\n\n### READ\\_MORE\n[![How to save money in 2026: 54 tips to grow your wealth](https:\/\/s.yimg.com\/lo\/mysterio\/api\/607EE86232954AFC7421CD9817D799DB022D8DBB815BBFC98706012F959F01B1\/subgraphmysterio\/resizefill_w194_h109;quality_80;format_webp\/https:%2F%2Fs.yimg.com%2Fos%2Fcreatr-uploaded-images%2F2024-06%2Faa175970-2ce3-11ef-b7ee-91d3c92b1f41)](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/how-to-save-money-193015616.html \"How to save money in 2026: 54 tips to grow your wealth\")\n\n[How to save money in 2026: 54 tips to grow your wealth Saving money can be a challenge in today’s economy. Here are some tips for how to save money on groceries, utilities, education, and more.](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/how-to-save-money-193015616.html \"How to save money in 2026: 54 tips to grow your wealth\")\n\n[![7 ways to save money on a tight budget](https:\/\/s.yimg.com\/lo\/mysterio\/api\/DC5FB32FAB766EEB6E1FEE27D0B4489A057474D0E6B404611CE4C14993F1018B\/subgraphmysterio\/resizefill_w194_h109;quality_80;format_webp\/https:%2F%2Fs.yimg.com%2Fos%2Fcreatr-images%2F2020-04%2Fbfb616f0-74d1-11ea-bfa7-8583e73a9375)](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/ways-to-save-money-on-a-tight-budget-163342061.html \"7 ways to save money on a tight budget\")\n\n[7 ways to save money on a tight budget Finding ways to save money on a tight budget can be challenging, but these seven strategies can help you find extra savings to sock away.](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/ways-to-save-money-on-a-tight-budget-163342061.html \"7 ways to save money on a tight budget\")\n\n[![I'm a personal finance writer, and these are my 11 best money-saving tips](https:\/\/s.yimg.com\/lo\/mysterio\/api\/B25D187B4AA80686D69D78FC586052A00A5409D6B7EC695B71A70C23E2FD1370\/subgraphmysterio\/resizefill_w194_h109;quality_80;format_webp\/https:%2F%2Fs.yimg.com%2Fos%2Fcreatr-uploaded-images%2F2024-10%2F07be8760-81b7-11ef-bffe-cce5e3da6e6b)](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/personal-finance-writer-best-money-saving-tips-140013935.html \"I'm a personal finance writer, and these are my 11 best money-saving tips\")\n\n[I'm a personal finance writer, and these are my 11 best money-saving tips Looking for the best money-saving tips? As a personal finance writer, I’ve learned several effective strategies over the years. Consider giving one or more of them a try.](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/personal-finance-writer-best-money-saving-tips-140013935.html \"I'm a personal finance writer, and these are my 11 best money-saving tips\")\n\n[![How to save money quickly: 6 tips to increase savings in a pinch](https:\/\/s.yimg.com\/lo\/mysterio\/api\/231F070E4883CD1D2270BC13D444F5E8A85099BE466CADF81E3F90D126E586BA\/subgraphmysterio\/resizefill_w194_h109;quality_80;format_webp\/https:%2F%2Fs.yimg.com%2Fos%2Fcreatr-uploaded-images%2F2024-09%2Fe5074f90-8279-11ef-bc56-86c6f74eb559)](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/how-to-save-money-quickly-221353612.html \"How to save money quickly: 6 tips to increase savings in a pinch\")\n\n[How to save money quickly: 6 tips to increase savings in a pinch Saving money takes time and patience. But if your savings account needs a boost, consider these six tips for saving money quickly.](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/how-to-save-money-quickly-221353612.html \"How to save money quickly: 6 tips to increase savings in a pinch\")\n\n[![5 psychological money hacks to cut spending and increase savings](https:\/\/s.yimg.com\/lo\/mysterio\/api\/27A927BA97ED71B0713B6C00043E07BDB8F6C46976ACA4A83D9CAA24F000D988\/subgraphmysterio\/resizefill_w194_h109;quality_80;format_webp\/https:%2F%2Fs.yimg.com%2Fos%2Fcreatr-uploaded-images%2F2025-05%2F5c2c47c0-2d1e-11f0-bd7d-6bb6c0b2c3be)](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/psychological-money-hacks-204920892.html \"5 psychological money hacks to cut spending and increase savings\")\n\n[5 psychological money hacks to cut spending and increase savings These money hacks can help you rethink your spending and savings habits. Give them a try if you want to spend less and save more.](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/psychological-money-hacks-204920892.html \"5 psychological money hacks to cut spending and increase savings\")\n\n[![How to save money on a low income, according to Reddit](https:\/\/s.yimg.com\/lo\/mysterio\/api\/056E0D117AE540737B773BF607D3002E411C9249F9D367A45DBCDED4AC6DCA56\/subgraphmysterio\/resizefill_w194_h109;quality_80;format_webp\/https:%2F%2Fs.yimg.com%2Fos%2Fcreatr-uploaded-images%2F2025-02%2Fe28f95c0-e9e8-11ef-ba6f-3e2b9a74d9fd)](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/how-to-save-money-on-a-low-income-213322305.html \"How to save money on a low income, according to Reddit\")\n\n[How to save money on a low income, according to Reddit Saving money on a low income is no easy feat. That's why we dug through Reddit to find tips from real users that actually work.](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/how-to-save-money-on-a-low-income-213322305.html \"How to save money on a low income, according to Reddit\")\n\n### UP\\_NEXT\n- [7 effective strategies for saving money in college](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/how-to-save-money-in-college-223128507.html)\n  ***\n- [What’s more important: Saving money or paying off debt?](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/save-money-or-pay-off-debt-225315776.html)\n  ***\n- [Most Americans are dissatisfied with their savings, survey shows](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/state-of-savings-report-110009028.html)\n\nCOPYRIGHT\n\nWHATS\\_TRENDING\n\n[Dow Jones](https:\/\/finance.yahoo.com\/quote\/%5EDJI\/) [S\\&P 500](https:\/\/finance.yahoo.com\/quote\/SPY\/) [DAX Index](https:\/\/finance.yahoo.com\/quote\/%5EGDAXI\/) [Nvidia](https:\/\/finance.yahoo.com\/quote\/NVDA\/) [Tesla](https:\/\/finance.yahoo.com\/quote\/TSLA\/) [DJT](https:\/\/finance.yahoo.com\/quote\/DJT\/) [Tariffs](https:\/\/finance.yahoo.com\/topic\/tariffs\/)\n\nEXPLORE\\_MORE\n\n[Mortgages](https:\/\/finance.yahoo.com\/personal-finance\/mortgages\/) [Credit Cards](https:\/\/finance.yahoo.com\/personal-finance\/credit-cards\/) [Sectors](https:\/\/finance.yahoo.com\/sectors\/) [Crypto Heatmap](https:\/\/finance.yahoo.com\/crypto\/heatmap\/) [Financial News](https:\/\/finance.yahoo.com\/news\/)\n\nABOUT\n\n[Data Disclaimer](https:\/\/help.yahoo.com\/kb\/finance-for-web\/SLN2310.html?locale=en_US) [Help](https:\/\/help.yahoo.com\/kb\/finance-for-web) [Feedback](https:\/\/yahoo.uservoice.com\/forums\/952723-finance-b3) [Sitemap](https:\/\/finance.yahoo.com\/sitemap\/) [Licensing](https:\/\/info.wrightsmedia.com\/yahoo-finance-licensing) [What's New](https:\/\/finance.yahoo.com\/about\/whatsnew\/) [About Our Ads](https:\/\/policies.oath.com\/us\/en\/oath\/privacy\/adinfo\/index.html)\n\n[TERMS](https:\/\/guce.yahoo.com\/terms?locale=en-US)  AND [PRIVACY\\_POLICY](https:\/\/guce.yahoo.com\/privacy-policy?locale=en-US)\n\n[Privacy & Cookie Settings](https:\/\/guce.yahoo.com\/privacy-settings?locale=en-US)\n\n[More Info](https:\/\/finance.yahoo.com\/more-info)","attrs_readable_markdown":"In light of stubborn inflation and rising living costs, [saving money](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/how-to-save-money-193015616.html) can be especially challenging. Even if you successfully cut back on spending, you may still have little leftover to save by the end of the month.\n\nIn this case, finding extra money to save may require some creativity. So, consider these clever strategies that can help.\n\nTypically, a shopping list involves listing out all of the items you’re missing at home that you plan to purchase. However, if you’re trying to save money, reduce waste, and generally get organized, you may want to consider creating a “reverse” shopping list instead.\n\nWith a reverse shopping list, you list out the things you already have to avoid duplicate purchases and make better use of existing ingredients. For example, if you already have pasta, canned tomatoes, and garlic, your reverse shopping list might show you that all you need to buy is parmesan and basil to make a full pasta dinner.\n\nYou might be familiar with the swear jar, which requires you to add money to the jar whenever you say a bad word. Why not turn that idea on its head and reward yourself when you do something good?\n\nHere’s how a savings jar works: When you [avoid an impulse purchase](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/30-day-savings-rule-210839516.html), reward yourself by setting aside a small amount (such as \\$5-\\$10). You can put your funds in a physical jar, or deposit your money in a dedicated savings account that serves as a symbolic savings jar — and also earns interest.\n\n*Read more:* [*How to save cash: 7 ways to protect and grow your liquid savings*](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/how-to-save-cash-215642060.html)\n\n- [7 effective strategies for saving money in college](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/how-to-save-money-in-college-223128507.html)\n  ***\n- [What’s more important: Saving money or paying off debt?](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/save-money-or-pay-off-debt-225315776.html)\n  ***\n- [Most Americans are dissatisfied with their savings, survey shows](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/state-of-savings-report-110009028.html)\n\nIf you’re a visual learner, creating a savings tracker to monitor your progress toward specific goals — whether you’re saving for a rainy day, retirement, or your next big vacation — could help accelerate your progress. For instance, you might have an X and Y graph with a line that visually shows your savings increasing over time. Or you could post a photo of the goal you are saving toward on your refrigerator to keep yourself motivated.\n\nOne way to grow your savings is in the literal sense — by growing things you would otherwise buy. For example, you can start a small herb or container garden to reduce your grocery spending. This won’t necessarily lead to substantial savings, but it can be a fun and rewarding experience regardless.\n\n*Read more:* [*How to save money quickly: 6 tips to increase savings in a pinch*](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/how-to-save-money-quickly-221353612.html)\n\nHotel rooms can be expensive, so why not try a house swap for your next vacation? With a house swap, you exchange homes with another person or family for a set period, allowing both parties to stay in each other’s homes instead of booking hotels or rentals. You can house-swap with friends and family, or sign up for a service such as HomeExchange.\n\nYour local library is one of the most underrated sources of savings. In addition to books and audiobooks, you can often rent movies, access streaming subscriptions, join free classes and workshops, and take advantage of free wi-fi and computers. These items don’t have to be purely educational, and you can find plenty of things that are more for entertainment purposes.\n\nTo keep things interesting, challenge yourself to save a random amount of money daily. You can do this by rolling a die and transferring the matching amount to savings each day. So, you might transfer \\$1, \\$2, \\$3, etc.\n\nThis simple idea can help you stay motivated since you don’t know how much money you will save until you roll, but it will always be a manageable amount. See how long you can keep the challenge going.\n\n*Read more:* [*How the 52-week savings challenge can help you save \\$1,300 in one year*](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/52-week-savings-challenge-195251397.html)\n\nSome bills, such as gas and electricity, are [variable expenses](https:\/\/finance.yahoo.com\/personal-finance\/banking\/comparison\/fixed-expenses-vs-variable-expenses-140051358.html) that change based on usage. If your bills vary monthly, try guessing how much they will be before receiving them. Once you receive the bill, save the difference between your guess and the actual amount, whether your guess was higher or lower. This can be a fun way to get better at estimating your [monthly expenses](https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/monthly-expenses-list-170443769.html) while building your cash reserves.\n\nBartering is the practice of trading goods and services instead of exchanging money. You may already have valuable items at home that you don’t necessarily need, which you can use to barter.\n\nFor example, if you started that home garden, you might be able to swap zucchinis and tomatoes with a neighbor who is willing to mow your lawn in exchange. Or give away the clothes your kids have outgrown to someone who can provide dog walking services.\n\nIf you live in a big city, joining your local Buy Nothing group is a great idea. These Facebook groups allow locals to list items they want to give away for free — no payment, trading, or bartering allowed. All you have to do is pick them up.\n\nTo find a Buy Nothing group, visit [BuyNothingProject.org](https:\/\/buynothingproject.org\/) or search \"Buy Nothing \\[your town\/neighborhood\\]\" on Facebook. Once you’re in, you can either create a “give” post offering up anything you no longer need (like toys, clothes, and furniture), or create an “ask” post, where you request a specific item. Once you find someone, it’s up to you two to coordinate a pickup.","meta_canonical":null}

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Meta Title	10 clever ways to save money that really work
Meta Description	If you struggle to set aside extra cash, try these clever ways to save money. With these strategies, you can save money without straining your budget.
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Boilerpipe Text	In light of stubborn inflation and rising living costs, saving money can be especially challenging. Even if you successfully cut back on spending, you may still have little leftover to save by the end of the month. In this case, finding extra money to save may require some creativity. So, consider these clever strategies that can help. Typically, a shopping list involves listing out all of the items you’re missing at home that you plan to purchase. However, if you’re trying to save money, reduce waste, and generally get organized, you may want to consider creating a “reverse” shopping list instead. With a reverse shopping list, you list out the things you already have to avoid duplicate purchases and make better use of existing ingredients. For example, if you already have pasta, canned tomatoes, and garlic, your reverse shopping list might show you that all you need to buy is parmesan and basil to make a full pasta dinner. You might be familiar with the swear jar, which requires you to add money to the jar whenever you say a bad word. Why not turn that idea on its head and reward yourself when you do something good? Here’s how a savings jar works: When you avoid an impulse purchase , reward yourself by setting aside a small amount (such as $5-$10). You can put your funds in a physical jar, or deposit your money in a dedicated savings account that serves as a symbolic savings jar — and also earns interest. Read more: How to save cash: 7 ways to protect and grow your liquid savings 7 effective strategies for saving money in college What’s more important: Saving money or paying off debt? Most Americans are dissatisfied with their savings, survey shows If you’re a visual learner, creating a savings tracker to monitor your progress toward specific goals — whether you’re saving for a rainy day, retirement, or your next big vacation — could help accelerate your progress. For instance, you might have an X and Y graph with a line that visually shows your savings increasing over time. Or you could post a photo of the goal you are saving toward on your refrigerator to keep yourself motivated. One way to grow your savings is in the literal sense — by growing things you would otherwise buy. For example, you can start a small herb or container garden to reduce your grocery spending. This won’t necessarily lead to substantial savings, but it can be a fun and rewarding experience regardless. Read more: How to save money quickly: 6 tips to increase savings in a pinch Hotel rooms can be expensive, so why not try a house swap for your next vacation? With a house swap, you exchange homes with another person or family for a set period, allowing both parties to stay in each other’s homes instead of booking hotels or rentals. You can house-swap with friends and family, or sign up for a service such as HomeExchange. Your local library is one of the most underrated sources of savings. In addition to books and audiobooks, you can often rent movies, access streaming subscriptions, join free classes and workshops, and take advantage of free wi-fi and computers. These items don’t have to be purely educational, and you can find plenty of things that are more for entertainment purposes. To keep things interesting, challenge yourself to save a random amount of money daily. You can do this by rolling a die and transferring the matching amount to savings each day. So, you might transfer $1, $2, $3, etc. This simple idea can help you stay motivated since you don’t know how much money you will save until you roll, but it will always be a manageable amount. See how long you can keep the challenge going. Read more: How the 52-week savings challenge can help you save $1,300 in one year Some bills, such as gas and electricity, are variable expenses that change based on usage. If your bills vary monthly, try guessing how much they will be before receiving them. Once you receive the bill, save the difference between your guess and the actual amount, whether your guess was higher or lower. This can be a fun way to get better at estimating your monthly expenses while building your cash reserves. Bartering is the practice of trading goods and services instead of exchanging money. You may already have valuable items at home that you don’t necessarily need, which you can use to barter. For example, if you started that home garden, you might be able to swap zucchinis and tomatoes with a neighbor who is willing to mow your lawn in exchange. Or give away the clothes your kids have outgrown to someone who can provide dog walking services. If you live in a big city, joining your local Buy Nothing group is a great idea. These Facebook groups allow locals to list items they want to give away for free — no payment, trading, or bartering allowed. All you have to do is pick them up. To find a Buy Nothing group, visit BuyNothingProject.org or search "Buy Nothing [your town/neighborhood]" on Facebook. Once you’re in, you can either create a “give” post offering up anything you no longer need (like toys, clothes, and furniture), or create an “ask” post, where you request a specific item. Once you find someone, it’s up to you two to coordinate a pickup.
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[Best Online Banks](https://finance.yahoo.com/personal-finance/banking/article/best-online-banks-225003422.html) ... ADVERTISEMENT 1. [Personal Finance](https://finance.yahoo.com/personal-finance/) 2. / 3. [Banking](https://finance.yahoo.com/personal-finance/banking/) Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our [Advertiser Disclosure](https://finance.yahoo.com/personal-finance/guidelines-for-personal-finance-content-222326718.html). [![Yahoo Personal Finance](https://s.yimg.com/ny/api/res/1.2/CG1fItRs06KVm5zJRlJavg--/YXBwaWQ9aGlnaGxhbmRlcjt3PTIzMjtoPTQ4/https://s.yimg.com/os/creatr-uploaded-images/2020-12/e70e9a00-35a2-11eb-bdfd-3f73c982ffa9)](https://finance.yahoo.com/ "Yahoo Personal Finance") # 10 clever ways to save money that really work Think outside the box and build your savings with these money-saving tips. ![](https://s.yimg.com/ny/api/res/1.2/v9NlmpFIb.muHJ7coYh7jA--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTY0MA--/https://s.yimg.com/os/creatr-uploaded-images/2025-05/e5b2e090-3bff-11f0-bff9-cc4c6bb3831a) Yahoo Personal Finance · Getty Images [B](https://finance.yahoo.com/author/bob-haegele) [Bob Haegele](https://finance.yahoo.com/author/bob-haegele) May 28, 2025 5 MINUTES\_READ In light of stubborn inflation and rising living costs, [saving money](https://finance.yahoo.com/personal-finance/banking/article/how-to-save-money-193015616.html) can be especially challenging. Even if you successfully cut back on spending, you may still have little leftover to save by the end of the month. In this case, finding extra money to save may require some creativity. So, consider these clever strategies that can help. EU\_CONSENT\_BLOCKED ## 1\. Write a reverse shopping list Typically, a shopping list involves listing out all of the items you’re missing at home that you plan to purchase. However, if you’re trying to save money, reduce waste, and generally get organized, you may want to consider creating a “reverse” shopping list instead. With a reverse shopping list, you list out the things you already have to avoid duplicate purchases and make better use of existing ingredients. For example, if you already have pasta, canned tomatoes, and garlic, your reverse shopping list might show you that all you need to buy is parmesan and basil to make a full pasta dinner. ## 2\. Start a savings jar You might be familiar with the swear jar, which requires you to add money to the jar whenever you say a bad word. Why not turn that idea on its head and reward yourself when you do something good? Here’s how a savings jar works: When you [avoid an impulse purchase](https://finance.yahoo.com/personal-finance/banking/article/30-day-savings-rule-210839516.html), reward yourself by setting aside a small amount (such as \$5-\$10). You can put your funds in a physical jar, or deposit your money in a dedicated savings account that serves as a symbolic savings jar — and also earns interest. Read more: [How to save cash: 7 ways to protect and grow your liquid savings](https://finance.yahoo.com/personal-finance/banking/article/how-to-save-cash-215642060.html) ### UP\_NEXT - [7 effective strategies for saving money in college](https://finance.yahoo.com/personal-finance/banking/article/how-to-save-money-in-college-223128507.html) * - [What’s more important: Saving money or paying off debt?](https://finance.yahoo.com/personal-finance/banking/article/save-money-or-pay-off-debt-225315776.html) * - [Most Americans are dissatisfied with their savings, survey shows](https://finance.yahoo.com/personal-finance/banking/article/state-of-savings-report-110009028.html) ## 3\. Create a visual savings tracker If you’re a visual learner, creating a savings tracker to monitor your progress toward specific goals — whether you’re saving for a rainy day, retirement, or your next big vacation — could help accelerate your progress. For instance, you might have an X and Y graph with a line that visually shows your savings increasing over time. Or you could post a photo of the goal you are saving toward on your refrigerator to keep yourself motivated. ## 4\. “Grow” your savings One way to grow your savings is in the literal sense — by growing things you would otherwise buy. For example, you can start a small herb or container garden to reduce your grocery spending. This won’t necessarily lead to substantial savings, but it can be a fun and rewarding experience regardless. Read more: [How to save money quickly: 6 tips to increase savings in a pinch](https://finance.yahoo.com/personal-finance/banking/article/how-to-save-money-quickly-221353612.html) ## 5\. Try a house-swap vacation Hotel rooms can be expensive, so why not try a house swap for your next vacation? With a house swap, you exchange homes with another person or family for a set period, allowing both parties to stay in each other’s homes instead of booking hotels or rentals. You can house-swap with friends and family, or sign up for a service such as HomeExchange. ## 6\. Take advantage of your local library Your local library is one of the most underrated sources of savings. In addition to books and audiobooks, you can often rent movies, access streaming subscriptions, join free classes and workshops, and take advantage of free wi-fi and computers. These items don’t have to be purely educational, and you can find plenty of things that are more for entertainment purposes. ## 7\. Randomize your savings To keep things interesting, challenge yourself to save a random amount of money daily. You can do this by rolling a die and transferring the matching amount to savings each day. So, you might transfer \$1, \$2, \$3, etc. This simple idea can help you stay motivated since you don’t know how much money you will save until you roll, but it will always be a manageable amount. See how long you can keep the challenge going. Read more: [How the 52-week savings challenge can help you save \$1,300 in one year](https://finance.yahoo.com/personal-finance/banking/article/52-week-savings-challenge-195251397.html) ## 8\. Guess your bills Some bills, such as gas and electricity, are [variable expenses](https://finance.yahoo.com/personal-finance/banking/comparison/fixed-expenses-vs-variable-expenses-140051358.html) that change based on usage. If your bills vary monthly, try guessing how much they will be before receiving them. Once you receive the bill, save the difference between your guess and the actual amount, whether your guess was higher or lower. This can be a fun way to get better at estimating your [monthly expenses](https://finance.yahoo.com/personal-finance/banking/article/monthly-expenses-list-170443769.html) while building your cash reserves. ## 9\. Barter with what you have Bartering is the practice of trading goods and services instead of exchanging money. You may already have valuable items at home that you don’t necessarily need, which you can use to barter. For example, if you started that home garden, you might be able to swap zucchinis and tomatoes with a neighbor who is willing to mow your lawn in exchange. Or give away the clothes your kids have outgrown to someone who can provide dog walking services. ## 10\. Buy nothing If you live in a big city, joining your local Buy Nothing group is a great idea. These Facebook groups allow locals to list items they want to give away for free — no payment, trading, or bartering allowed. All you have to do is pick them up. To find a Buy Nothing group, visit [BuyNothingProject.org](https://buynothingproject.org/) or search "Buy Nothing \[your town/neighborhood\]" on Facebook. Once you’re in, you can either create a “give” post offering up anything you no longer need (like toys, clothes, and furniture), or create an “ask” post, where you request a specific item. Once you find someone, it’s up to you two to coordinate a pickup. ### READ\_MORE [![How to save money in 2026: 54 tips to grow your wealth](https://s.yimg.com/lo/mysterio/api/607EE86232954AFC7421CD9817D799DB022D8DBB815BBFC98706012F959F01B1/subgraphmysterio/resizefill_w194_h109;quality_80;format_webp/https:%2F%2Fs.yimg.com%2Fos%2Fcreatr-uploaded-images%2F2024-06%2Faa175970-2ce3-11ef-b7ee-91d3c92b1f41)](https://finance.yahoo.com/personal-finance/banking/article/how-to-save-money-193015616.html "How to save money in 2026: 54 tips to grow your wealth") [How to save money in 2026: 54 tips to grow your wealth Saving money can be a challenge in today’s economy. Here are some tips for how to save money on groceries, utilities, education, and more.](https://finance.yahoo.com/personal-finance/banking/article/how-to-save-money-193015616.html "How to save money in 2026: 54 tips to grow your wealth") [![7 ways to save money on a tight budget](https://s.yimg.com/lo/mysterio/api/DC5FB32FAB766EEB6E1FEE27D0B4489A057474D0E6B404611CE4C14993F1018B/subgraphmysterio/resizefill_w194_h109;quality_80;format_webp/https:%2F%2Fs.yimg.com%2Fos%2Fcreatr-images%2F2020-04%2Fbfb616f0-74d1-11ea-bfa7-8583e73a9375)](https://finance.yahoo.com/personal-finance/banking/article/ways-to-save-money-on-a-tight-budget-163342061.html "7 ways to save money on a tight budget") [7 ways to save money on a tight budget Finding ways to save money on a tight budget can be challenging, but these seven strategies can help you find extra savings to sock away.](https://finance.yahoo.com/personal-finance/banking/article/ways-to-save-money-on-a-tight-budget-163342061.html "7 ways to save money on a tight budget") [![I'm a personal finance writer, and these are my 11 best money-saving tips](https://s.yimg.com/lo/mysterio/api/B25D187B4AA80686D69D78FC586052A00A5409D6B7EC695B71A70C23E2FD1370/subgraphmysterio/resizefill_w194_h109;quality_80;format_webp/https:%2F%2Fs.yimg.com%2Fos%2Fcreatr-uploaded-images%2F2024-10%2F07be8760-81b7-11ef-bffe-cce5e3da6e6b)](https://finance.yahoo.com/personal-finance/banking/article/personal-finance-writer-best-money-saving-tips-140013935.html "I'm a personal finance writer, and these are my 11 best money-saving tips") [I'm a personal finance writer, and these are my 11 best money-saving tips Looking for the best money-saving tips? As a personal finance writer, I’ve learned several effective strategies over the years. Consider giving one or more of them a try.](https://finance.yahoo.com/personal-finance/banking/article/personal-finance-writer-best-money-saving-tips-140013935.html "I'm a personal finance writer, and these are my 11 best money-saving tips") [![How to save money quickly: 6 tips to increase savings in a pinch](https://s.yimg.com/lo/mysterio/api/231F070E4883CD1D2270BC13D444F5E8A85099BE466CADF81E3F90D126E586BA/subgraphmysterio/resizefill_w194_h109;quality_80;format_webp/https:%2F%2Fs.yimg.com%2Fos%2Fcreatr-uploaded-images%2F2024-09%2Fe5074f90-8279-11ef-bc56-86c6f74eb559)](https://finance.yahoo.com/personal-finance/banking/article/how-to-save-money-quickly-221353612.html "How to save money quickly: 6 tips to increase savings in a pinch") [How to save money quickly: 6 tips to increase savings in a pinch Saving money takes time and patience. But if your savings account needs a boost, consider these six tips for saving money quickly.](https://finance.yahoo.com/personal-finance/banking/article/how-to-save-money-quickly-221353612.html "How to save money quickly: 6 tips to increase savings in a pinch") [![5 psychological money hacks to cut spending and increase savings](https://s.yimg.com/lo/mysterio/api/27A927BA97ED71B0713B6C00043E07BDB8F6C46976ACA4A83D9CAA24F000D988/subgraphmysterio/resizefill_w194_h109;quality_80;format_webp/https:%2F%2Fs.yimg.com%2Fos%2Fcreatr-uploaded-images%2F2025-05%2F5c2c47c0-2d1e-11f0-bd7d-6bb6c0b2c3be)](https://finance.yahoo.com/personal-finance/banking/article/psychological-money-hacks-204920892.html "5 psychological money hacks to cut spending and increase savings") [5 psychological money hacks to cut spending and increase savings These money hacks can help you rethink your spending and savings habits. Give them a try if you want to spend less and save more.](https://finance.yahoo.com/personal-finance/banking/article/psychological-money-hacks-204920892.html "5 psychological money hacks to cut spending and increase savings") [![How to save money on a low income, according to Reddit](https://s.yimg.com/lo/mysterio/api/056E0D117AE540737B773BF607D3002E411C9249F9D367A45DBCDED4AC6DCA56/subgraphmysterio/resizefill_w194_h109;quality_80;format_webp/https:%2F%2Fs.yimg.com%2Fos%2Fcreatr-uploaded-images%2F2025-02%2Fe28f95c0-e9e8-11ef-ba6f-3e2b9a74d9fd)](https://finance.yahoo.com/personal-finance/banking/article/how-to-save-money-on-a-low-income-213322305.html "How to save money on a low income, according to Reddit") [How to save money on a low income, according to Reddit Saving money on a low income is no easy feat. That's why we dug through Reddit to find tips from real users that actually work.](https://finance.yahoo.com/personal-finance/banking/article/how-to-save-money-on-a-low-income-213322305.html "How to save money on a low income, according to Reddit") ### UP\_NEXT - [7 effective strategies for saving money in college](https://finance.yahoo.com/personal-finance/banking/article/how-to-save-money-in-college-223128507.html) * - [What’s more important: Saving money or paying off debt?](https://finance.yahoo.com/personal-finance/banking/article/save-money-or-pay-off-debt-225315776.html) * - [Most Americans are dissatisfied with their savings, survey shows](https://finance.yahoo.com/personal-finance/banking/article/state-of-savings-report-110009028.html) COPYRIGHT WHATS\_TRENDING [Dow Jones](https://finance.yahoo.com/quote/%5EDJI/) [S\&P 500](https://finance.yahoo.com/quote/SPY/) [DAX Index](https://finance.yahoo.com/quote/%5EGDAXI/) [Nvidia](https://finance.yahoo.com/quote/NVDA/) [Tesla](https://finance.yahoo.com/quote/TSLA/) [DJT](https://finance.yahoo.com/quote/DJT/) [Tariffs](https://finance.yahoo.com/topic/tariffs/) EXPLORE\_MORE [Mortgages](https://finance.yahoo.com/personal-finance/mortgages/) [Credit Cards](https://finance.yahoo.com/personal-finance/credit-cards/) [Sectors](https://finance.yahoo.com/sectors/) [Crypto Heatmap](https://finance.yahoo.com/crypto/heatmap/) [Financial News](https://finance.yahoo.com/news/) ABOUT [Data Disclaimer](https://help.yahoo.com/kb/finance-for-web/SLN2310.html?locale=en_US) [Help](https://help.yahoo.com/kb/finance-for-web) [Feedback](https://yahoo.uservoice.com/forums/952723-finance-b3) [Sitemap](https://finance.yahoo.com/sitemap/) [Licensing](https://info.wrightsmedia.com/yahoo-finance-licensing) [What's New](https://finance.yahoo.com/about/whatsnew/) [About Our Ads](https://policies.oath.com/us/en/oath/privacy/adinfo/index.html) [TERMS](https://guce.yahoo.com/terms?locale=en-US) AND [PRIVACY\_POLICY](https://guce.yahoo.com/privacy-policy?locale=en-US) [Privacy & Cookie Settings](https://guce.yahoo.com/privacy-settings?locale=en-US) [More Info](https://finance.yahoo.com/more-info)
Readable Markdown	In light of stubborn inflation and rising living costs, [saving money](https://finance.yahoo.com/personal-finance/banking/article/how-to-save-money-193015616.html) can be especially challenging. Even if you successfully cut back on spending, you may still have little leftover to save by the end of the month. In this case, finding extra money to save may require some creativity. So, consider these clever strategies that can help. Typically, a shopping list involves listing out all of the items you’re missing at home that you plan to purchase. However, if you’re trying to save money, reduce waste, and generally get organized, you may want to consider creating a “reverse” shopping list instead. With a reverse shopping list, you list out the things you already have to avoid duplicate purchases and make better use of existing ingredients. For example, if you already have pasta, canned tomatoes, and garlic, your reverse shopping list might show you that all you need to buy is parmesan and basil to make a full pasta dinner. You might be familiar with the swear jar, which requires you to add money to the jar whenever you say a bad word. Why not turn that idea on its head and reward yourself when you do something good? Here’s how a savings jar works: When you [avoid an impulse purchase](https://finance.yahoo.com/personal-finance/banking/article/30-day-savings-rule-210839516.html), reward yourself by setting aside a small amount (such as \$5-\$10). You can put your funds in a physical jar, or deposit your money in a dedicated savings account that serves as a symbolic savings jar — and also earns interest. Read more: [How to save cash: 7 ways to protect and grow your liquid savings](https://finance.yahoo.com/personal-finance/banking/article/how-to-save-cash-215642060.html) - [7 effective strategies for saving money in college](https://finance.yahoo.com/personal-finance/banking/article/how-to-save-money-in-college-223128507.html) * - [What’s more important: Saving money or paying off debt?](https://finance.yahoo.com/personal-finance/banking/article/save-money-or-pay-off-debt-225315776.html) * - [Most Americans are dissatisfied with their savings, survey shows](https://finance.yahoo.com/personal-finance/banking/article/state-of-savings-report-110009028.html) If you’re a visual learner, creating a savings tracker to monitor your progress toward specific goals — whether you’re saving for a rainy day, retirement, or your next big vacation — could help accelerate your progress. For instance, you might have an X and Y graph with a line that visually shows your savings increasing over time. Or you could post a photo of the goal you are saving toward on your refrigerator to keep yourself motivated. One way to grow your savings is in the literal sense — by growing things you would otherwise buy. For example, you can start a small herb or container garden to reduce your grocery spending. This won’t necessarily lead to substantial savings, but it can be a fun and rewarding experience regardless. Read more: [How to save money quickly: 6 tips to increase savings in a pinch](https://finance.yahoo.com/personal-finance/banking/article/how-to-save-money-quickly-221353612.html) Hotel rooms can be expensive, so why not try a house swap for your next vacation? With a house swap, you exchange homes with another person or family for a set period, allowing both parties to stay in each other’s homes instead of booking hotels or rentals. You can house-swap with friends and family, or sign up for a service such as HomeExchange. Your local library is one of the most underrated sources of savings. In addition to books and audiobooks, you can often rent movies, access streaming subscriptions, join free classes and workshops, and take advantage of free wi-fi and computers. These items don’t have to be purely educational, and you can find plenty of things that are more for entertainment purposes. To keep things interesting, challenge yourself to save a random amount of money daily. You can do this by rolling a die and transferring the matching amount to savings each day. So, you might transfer \$1, \$2, \$3, etc. This simple idea can help you stay motivated since you don’t know how much money you will save until you roll, but it will always be a manageable amount. See how long you can keep the challenge going. Read more: [How the 52-week savings challenge can help you save \$1,300 in one year](https://finance.yahoo.com/personal-finance/banking/article/52-week-savings-challenge-195251397.html) Some bills, such as gas and electricity, are [variable expenses](https://finance.yahoo.com/personal-finance/banking/comparison/fixed-expenses-vs-variable-expenses-140051358.html) that change based on usage. If your bills vary monthly, try guessing how much they will be before receiving them. Once you receive the bill, save the difference between your guess and the actual amount, whether your guess was higher or lower. This can be a fun way to get better at estimating your [monthly expenses](https://finance.yahoo.com/personal-finance/banking/article/monthly-expenses-list-170443769.html) while building your cash reserves. Bartering is the practice of trading goods and services instead of exchanging money. You may already have valuable items at home that you don’t necessarily need, which you can use to barter. For example, if you started that home garden, you might be able to swap zucchinis and tomatoes with a neighbor who is willing to mow your lawn in exchange. Or give away the clothes your kids have outgrown to someone who can provide dog walking services. If you live in a big city, joining your local Buy Nothing group is a great idea. These Facebook groups allow locals to list items they want to give away for free — no payment, trading, or bartering allowed. All you have to do is pick them up. To find a Buy Nothing group, visit [BuyNothingProject.org](https://buynothingproject.org/) or search "Buy Nothing \[your town/neighborhood\]" on Facebook. Once you’re in, you can either create a “give” post offering up anything you no longer need (like toys, clothes, and furniture), or create an “ask” post, where you request a specific item. Once you find someone, it’s up to you two to coordinate a pickup.
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