🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 82 (from laksa081)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa082.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://financebuzz.com/how-to-save-money\')), getAhrefsUnparsedNoserviceFromURL(\'https://financebuzz.com/how-to-save-money\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/financebuzz.com\/how-to-save-money","crawl_time":1776254748,"first_indexed_time":1597785998,"http_code":200,"src_unparsed":"com,financebuzz!\/how-to-save-money s443","src_root_hash":"9365352271157554882","history_drop_reason":null,"meta_title":"8 of the Best Ways to Save Money | FinanceBuzz","meta_descriptions":["Lower your bills without making major sacrifices. Small savings add up quickly. Explore clever money-saving habits and start reaching your goals today!"],"attrs_boilerpipe_text":"If you're looking for easy ways to lower your bills and pocket more of your income, you'll find a variety of clever ways to save money, establish healthy habits, and work toward your financial goals.\nSaving money doesn't mean sacrificing everything you enjoy, nor does it require you to spend hours clipping coupons. Small expenses add up fast, but the opposite is true as well. Finding areas to trim your budget, even by just a few dollars here and there, can lead to a lot of extra pocket change at the end of the month.\nThe 8 best ways to save money\n1. Lower your utility bills\nUtility bills are a fact of life — you've got to keep the lights on, after all. But recurring expenses like utility bills are a great place to look for savings opportunities. Here are a couple:\nGo paperless.\nMany utility companies offer you a discount for paying your bill online and receiving paperless statements.\nReduce your usage.\nAccording to the U.S. Department of Energy, you can save up to 10% on your energy bill each year if you turn back the thermostat seven to 10 degrees for at least eight hours each day. Be sure to adjust the temperature before you leave and wear appropriate clothing while indoors.\nKeep the shades down.\nConsider purchasing blackout curtains and keeping the shades drawn when the sun is up. The more you insulate your home, the more you'll save on heating and cooling costs.\nSchedule an energy audit.\nBefore you make any major changes to your home, get an energy audit done to identify opportunities for improving efficiency.\nMake energy efficiency improvements to your home\n. When your house is operating at peak energy efficiency, your utility bills will be lower. There are many energy-efficient home improvements that you could make without breaking the bank, including swapping out your lightbulbs for Energy Star bulbs, installing weatherstripping on your windows, and improving your home's insulation.\nCheck out more ways to\nsave on your utilities\n.\n2. Lower your cell phone bill\nCarrying a cell phone is yet another (arguably unfortunate) necessity of modern living. But that doesn't mean you need to be paying top dollar or always have the newest model.\nShop around.\nPrices for service vary so be sure to compare monthly rates across providers for the service you need.\nOpt for a group cell phone plan.\nSharing a plan with your family, friends, or roommates can help you save on your monthly cell phone bill.\nBe mindful of your data usage.\nUnderstand the data caps associated with your plan and be careful not to incur any\nadditional fees\n.\nAvoid upgrading.\nIt can be tempting to snag the newest cell phone as soon as it hits the market, but you'll save money by sticking with your old phone for a couple more years.\nHave a company negotiate for you.\nThere are some companies that will negotiate your bills for you and take a cut of your savings. For example, the\nRocket Money\napp saves users money by canceling unused subscriptions and negotiating rates with providers.\nCheck out more ways to\nlower your cell phone bill\n.\n3. Lower your insurance premiums\nOkay, at this point this is feeling like a list of necessary evils we really wish we didn't have to spend money on, but so it goes. You're better off having insurance than covering costs in full when catastrophe strikes, but insurance companies have a lot of incentive to attract and keep customers, so there are plenty of ways to save on premiums.\nCompare auto and home insurance quotes.\nWith so many options for insurance, it can be difficult to know whether you're getting the best deal. Use a marketplace, such as\nQuoteWizard\n, to see personalized insurance rates side-by-side and snag the lowest offer.\nAssess (and consider reducing) your coverage.\nDo you still need the amount of insurance coverage you originally signed up for? Maybe you paid off your mortgage and don't need as much life insurance coverage, or you're not driving currently and don't need comprehensive car insurance coverage. Reassess your insurance needs annually and cut back accordingly.\nAsk about special discounts.\nYou may be able to get\ndiscounts for safe driving\nor save by\nbundling your home and auto insurance\npolicies. Making a larger down payment or paying your premium in full could also qualify you for a discount. Always ask about all available discounts to see what you can get.\nPractice preventative healthcare.\nMost insurance plans cover an annual primary care visit. Be sure to get a checkup and also see a doctor right away if a problem arises. This can save money on healthcare costs in the long run.\nQuit smoking.\nNot only will you save a ton of money by not purchasing cigarettes, but you can also reduce your health insurance and life insurance premiums. Some insurers even\ncover smoking cessation programs\nif you need a little help kicking the habit.\n4. Save on your cable bill (or cut it completely)\nIn the age of cord-cutting and far too many streaming platforms, do you really even need a cable subscription anymore? Regardless, you've got options for lowering this elective expense.\nCut the cord altogether.\nEliminate expensive cable bills and take advantage of as many free or low-cost streaming services as possible.\nNegotiate with your provider.\nMost cable service providers would rather extend your introductory rate than lose your business to another company. Call when your contract is almost up, and again annually, to see whether you can secure a lower rate.\nDownsize.\nChoose a less expensive package with fewer channels or get rid of your DVR and use a streaming service instead.\nBundle.\nSome companies will let you bundle internet, cell phone service, and cable for one low price. Take advantage of these opportunities to save, but only if you'll use all of the services included.\nCheck out other ways to\nlower your cable bill\n.\n5. Cut down spending on groceries and essential items\nEverybody's got to eat, but with\ngrocery prices still rising\n on certain items, this necessary expense can really hit hard. But with a little discipline and planning, you can cut back on grocery spending.\nMake a shopping list and stick to it.\nIt's easy to get distracted by non-essential purchases and leave the store with a year's supply of cheese. Always make a list of the items you need based on the recipes you have planned and stick to it. Bring someone with you to keep you accountable so you don't fall for impulse buys.\nBuy in bulk.\nAssuming you have the storage space, always buy the larger package of dry goods and cleaning supplies, and buy bulk fresh food you know you'll use as well. Before you do, though, calculate the per ounce cost to ensure it's a good deal. Typically, bulk purchases are cheaper, but not always.\nGrow a garden.\nHerbs and spices can be expensive, but growing your own can be fun and save you money. If you have the space, consider starting a vegetable garden as well.\nDrink tap water\n. Stop buying bottled water and opt for tap water and a Brita filter instead. The filters are much less expensive than the cost of buying water bottles regularly.\nUse a rewards credit card.\nIf you do a lot of your shopping at grocery stores, consider applying for one of the\nbest credit cards for groceries\n. You can use your rewards for future travel, or redeem them for cash or gift cards.\nConsider these other ways to\nspend less on groceries\n.\n6. Avoid accruing or lower credit card interest\nIdeally, you'll pay off your credit card statement every month and not have to worry about interest. But it's not always possible to do so. If you're in the position where you occasionally have to carry a balance, consider taking these steps to lower the interest you pay.\nSet up automatic payments\n. Automatic payments help you avoid missed payments, late fees, and penalty APRs. Just make sure you have enough money in your account on the date you select for payment.\nNegotiate a lower rate.\nIf you make your payments on time and use your card responsibly, your credit card company may allow you to\nnegotiate for a lower interest rate\n.\nApply for a balance transfer card.\nThe\nbest balance transfer cards\noffer a 0% introductory APR for 12+ months, so you can put more of your money toward debt payments and save on interest.\nApply for a personal loan.\nIf you have good credit, you may be able to consolidate your credit card debt with a\npersonal loan\n. This works best when you can borrow enough to cover your credit card balances at a lower interest rate than what you're currently paying. Check out our picks for the\nbest personal loans\n.\nAgain, it's best to\navoid paying interest\non your credit card at all. But if you can't, make sure you're getting as low of a rate as you can.\n7. Search for low-effort or passive ways to save\nSometimes, doing a little goes a long way. Saving doesn't always have to be an exercise in self-denial. There are just a few easy ways you can cut down expenses and save money without having to think much about it.\nOpen a high-yield savings account.\nMost checking accounts don't pay interest, and if you have a large balance you're missing out on passive income you could be earning with a\nhigh-yield savings account\n.\nCancel unused subscriptions.\nAfter all those free trials you signed up for, you're likely paying recurring charges on your credit card for services you don't even use.\nTrim\nis an app that unsubscribes you from unused subscriptions (like Amazon Prime or other streaming services). It can also help you set up an automated savings plan.\nTake advantage of free offers on your birthday.\nGive yourself a treat or three on your birthday without breaking your budget by taking advantage of\nbirthday freebies\noffered by hundreds of restaurants, retail stores, and entertainment outlets.\n8. Use roundup apps\nRoundup apps automatically save or invest money for you as you spend, rounding up your purchases to the nearest dollar and depositing the difference into an account. Some options include:\nAcorns:\nWhen you link a debit or credit card,\nAcorns\nautomatically rounds up your purchase and deposits the spare change into a diversified investment portfolio.\nChime®:\nWith a\nChime\n1\nChime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC.&nbsp; <\/p>\naccount, you can elect to automatically deposit the roundup amount from your debit card purchases into a high-yield savings account.\n2\nRound Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.&nbsp; <\/p>\nQapital:\nWith\nQapital\n, you can set your own roundup rules for automatically depositing funds toward one of your savings goals.\nHow to save for the long haul\nEverything we've covered above will help you start whittling down your expenses little by little, freeing up money that you could squirrel away in a savings account. But setting yourself up for long-term savings success will require a little more foresight and planning. To put yourself in the best position for a financially secure future, consider the following steps:\nWork on your credit score.\nIf you don't have a\ngood credit score\n, it can cost you hundreds or thousands of dollars per year in interest,\ninsurance premiums\n, and more. Maintaining excellent credit will help you save.\nCreate an emergency fund.\nYou should have at least three to six months' worth of living expenditures saved in an\nemergency fund\n. This will help you weather financial setbacks and job loss.\nStart a retirement account and pay into it each month.\nFinancial experts recommend that you save 15% of your pre-tax salary per year, including employer contributions, in order to retire comfortably. Whether you have a 401(k) or an IRA,\nsaving for retirement\nand making regular contributions could help you meet your long-term goals.\nSeparate your savings.\nTo avoid borrowing from your emergency fund when you want to treat yourself, set up a\nseparate savings account\nfor large planned purchases like vacations.\nRefinance your mortgage.\nHomeowners\nrefinancing their current mortgage\nmight get a lower interest rate or reduce their monthly payment.\nBottom line\nDon't try to tackle all these savings strategies at once. Instead, use the tips for saving money that require the least effort and will have the greatest impact.\nMake a small change to your savings habits each week or a more significant change every month to work toward your financial goals. After a while, these\nnew savings habits\nwon't feel like extra work; they'll become a part of your lifestyle.\nBut saving all that cash won't do you much good if you don't have somewhere to put it. The\nbest savings accounts\noffer generous annual percentage yields of 4.0%+, earning you a little more on top of all that money you've put away.\nYou May Also Like\n$0 annual fee\nIntro APR on purchases and balance transfers\nApply Now\nINTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.\nEarn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.\nRedeem cash back for any amount. No annual fee.\nGet a 0% intro APR for 15 months on purchases. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.\nTerms and conditions apply.\n4.7\nFinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment.\n Our partners do not influence how we rate products.\nApply Now\non Capital One's secure website\nRead Card Review\nIntro Offer\nDiscover will match all the cash back you’ve earned at the end of your first year.\nAnnual Fee\n$0\nSubscribe Today\nUnlock the Best Banking Deals and Bonuses\nFrom high-yield savings accounts to cashback checking and sign-up bonuses, we bring you the best banking offers to grow your money smarter.","attrs_markdown":"![](https:\/\/www.facebook.com\/tr?id=1634940136793828&ev=PageView&noscript=1)\n\n![Menu](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/svg\/header_bar.svg) 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Review](https:\/\/financebuzz.com\/barclays-online-savings-review)\n- [Online Banks Like Chime](https:\/\/financebuzz.com\/best-online-banks-like-chime)\n- [GoHenry vs Greenlight for Kids](https:\/\/financebuzz.com\/gohenry-vs-greenlight)\n- Guides\n- [What is a High-Yield Savings Account?](https:\/\/financebuzz.com\/what-is-high-yield-savings-account)\n- [Banks With No International ATM Fees](https:\/\/financebuzz.com\/no-international-atm-fees)\n- [How Online Savings Accounts Work](https:\/\/financebuzz.com\/how-does-online-savings-account-work)\n- [Easy Bank Accounts to Open Online](https:\/\/financebuzz.com\/easiest-bank-accounts-to-open-online)\n- [More in Bank Accounts \\>](https:\/\/financebuzz.com\/banking)\n\n- ![](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/svg\/arrow-left_blue.svg) Back\n- Investing\n- Places to Invest\n- [Best Robo Advisors](https:\/\/financebuzz.com\/best-robo-advisors)\n- [Best Online 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Passive Income?](https:\/\/financebuzz.com\/what-is-passive-income)\n- [What Financial Advisors Do](https:\/\/financebuzz.com\/what-does-a-financial-advisor-do)\n- [How to Invest in Art](https:\/\/financebuzz.com\/beginner-art-investing-tips)\n- [More in Investing \\>](https:\/\/financebuzz.com\/investing)\n\n- ![](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/svg\/arrow-left_blue.svg) Back\n- Retirement\n- Retirement\n- [Legal Ways to Avoid Taxes on IRA Withdrawals](https:\/\/financebuzz.com\/avoid-ira-withdrawal-taxes-ss)\n- [Questions to Ask a Financial Advisor](https:\/\/financebuzz.com\/financial-advisor-questions-retirement)\n- [Early Retirement 101](https:\/\/financebuzz.com\/early-retirement)\n- [Average 70-Year-Old Has This Much Invested](https:\/\/financebuzz.com\/average-70-year-old-money-invested)\n- Social Security\n- [Social Security Changes Coming in 2026](https:\/\/financebuzz.com\/social-security-changes-coming-in-2026)\n- [Types of Income That Don’t Count Against Social Security](https:\/\/financebuzz.com\/income-doesnt-reduce-social-security-benefits)\n- [Facts About Social Security's Full Retirement Age](https:\/\/financebuzz.com\/social-security-new-full-retirement-age-facts)\n- [Things That Get Deducted From Social Security](https:\/\/financebuzz.com\/deducted-from-social-security-payment)\n- [Social Security Loopholes](https:\/\/financebuzz.com\/social-security-loopholes-to-boost-check)\n- Retired Life\n- [Countries Where You Can Buy Citizenship](https:\/\/financebuzz.com\/countries-selling-citizenship)\n- [Safest Places To Retire in Mexico](https:\/\/financebuzz.com\/mexico-retirement-guide)\n- [Best Cities if You Want All Four Seasons](https:\/\/financebuzz.com\/retirement-cities-with-four-seasons)\n- [Great U.S. Small Towns](https:\/\/financebuzz.com\/quiet-us-towns-to-retire)\n- [More in Retirement \\>](https:\/\/financebuzz.com\/retirement)\n\n- ![](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/svg\/arrow-left_blue.svg) Back\n- Debt & Credit Help\n- Balance Transfers\n- [How Balance Transfers Work](https:\/\/financebuzz.com\/balance-transfer-guide)\n- [Citi Simplicity vs Diamond Preferred](https:\/\/financebuzz.com\/citi-simplicity-vs-citi-diamond-preferred)\n- [Wells Fargo Reflect Review](https:\/\/financebuzz.com\/wells-fargo-reflect-card-review)\n- [High Limit Balance Transfer Cards](https:\/\/financebuzz.com\/best-balance-transfer-cards-high-limits)\n- [Longest Balance Transfer Cards](https:\/\/financebuzz.com\/longest-balance-transfer-credit-cards)\n- Debt Help\n- [Best Debt Consolidation Companies](https:\/\/financebuzz.com\/best-debt-consolidation-companies)\n- [National Debt Relief vs Freedom Debt Relief](https:\/\/financebuzz.com\/national-debt-relief-vs-freedom-debt-relief)\n- [Government Debt Relief Programs](https:\/\/financebuzz.com\/government-debt-relief-programs)\n- [Debt Settlement Guide](https:\/\/financebuzz.com\/debt-settlement)\n- [What is Debt Consolidation?](https:\/\/financebuzz.com\/debt-consolidation)\n- [Bankruptcy Guide](https:\/\/financebuzz.com\/bankruptcy-pros-and-cons)\n- Credit Score\n- [What's a Good Credit Score?](https:\/\/financebuzz.com\/what-is-a-good-credit-score)\n- [Improve Your Credit Score](https:\/\/financebuzz.com\/how-to-improve-credit-score-in-30-days)\n- [Best Secured Credit Cards](https:\/\/financebuzz.com\/secured-credit-cards)\n- [Best Credit Repair Companies](https:\/\/financebuzz.com\/best-credit-repair-companies)\n- [Credit Repair 101](https:\/\/financebuzz.com\/credit-repair-facts)\n- [DIY Credit Repair](https:\/\/financebuzz.com\/diy-credit-repair)\n- [More in Debt & Credit Help \\>](https:\/\/financebuzz.com\/debt-help)\n\n- ![](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/svg\/arrow-left_blue.svg) Back\n- More\n- Saving & Spending\n- [Budgeting 101](https:\/\/financebuzz.com\/budgeting)\n- [Best Budgeting Apps](https:\/\/financebuzz.com\/budgeting-apps)\n- [Best Tax Software](https:\/\/financebuzz.com\/best-tax-software)\n- [Rocket Money Review](https:\/\/financebuzz.com\/truebill-review)\n- [Rocket Money vs Quicken Simplifi](https:\/\/financebuzz.com\/rocket-money-vs-simplifi)\n- [Capital One Shopping Review](https:\/\/financebuzz.com\/capital-one-shopping-review)\n- [Capital One Shopping vs Honey](https:\/\/financebuzz.com\/capital-one-shopping-vs-honey)\n- [More in Saving & Spending](https:\/\/financebuzz.com\/manage-money)\n- Don't Miss\n- [Shopping and Deals](https:\/\/financebuzz.com\/news\/shopping-news)\n- [News & Trending](https:\/\/financebuzz.com\/news)\n- [Travel](https:\/\/financebuzz.com\/manage-money\/travel)\n- [Home & Auto](https:\/\/financebuzz.com\/manage-money\/home-and-auto)\n\nTrending Stories\n\n- [![](https:\/\/cdn.financebuzz.com\/fit-in\/200x80\/filters:quality\$100\$\/images\/2023\/09\/14\/woman_using_laptop.jpg) 7 Easiest Bank Accounts To Open Online + Get Approved Fast \\[2026\\] -\\> ![](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/svg\/trending-stories-corner.svg)](https:\/\/financebuzz.com\/easiest-bank-accounts-to-open-online)\n- [![](https:\/\/cdn.financebuzz.com\/fit-in\/200x80\/filters:quality\$100\$\/images\/2019\/12\/06\/smart_strategies_to_save_money_on_car_insurance.jpg) How To Save Money on Car Insurance: 12 Ways to Lower Rates -\\> ![](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/svg\/trending-stories-corner.svg)](https:\/\/financebuzz.com\/save-money-on-car-insurance)\n\n[Find the right credit card for you -\\> ![Monevo credit card with chip pattern behind it](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/images\/template_tags\/monevo\/monevo-sidenav-card.png) ![](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/svg\/trending-stories-corner.svg)](https:\/\/r.financebuzz.com\/aff_c?source=%2Fhow-to-save-money&offer_id=24545&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=5065,contentblockversionid=42253,offerid=24545,adcampaignid=,contentblockposition=0,mlsortid=,sorteditemid=,ailistingid=,widgettype=monevo_nav_card,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=\/how-to-save-money&contentblockid=5065&contentblockversionid=42253&ml_sort_id=&sorted_item_id=&widget_type=monevo_nav_card&cms_offer_id=1879&keywords=&ai_listing_id=&ai_listing_section_id=&la_os_version=&la_device_model=DESKTOP&url_id=)\n\n[Advertiser and Editorial Disclosures](https:\/\/financebuzz.com\/how-to-save-money)\n\n[Saving & Spending](https:\/\/financebuzz.com\/manage-money)\n\n[Budgeting & Expenses](https:\/\/financebuzz.com\/manage-money\/budgeting)\n\n# 8 of the Best Ways to Save Money\nThere are hundreds of ways to save money, but these eight will help set you up to save over time without having to forego spending on things you enjoy.\n\n![woman keeping savings](https:\/\/cdn.financebuzz.com\/fit-in\/480x0\/filters:quality\$100\$:format\$webp\$\/images\/2020\/08\/18\/smiling-woman-with-piggy-bank.jpeg)\n\n![Lindsay Frankel](https:\/\/cdn.financebuzz.com\/33x33\/filters:quality\$100\$\/authors\/lindsay-frankel-headshot_J335QlQ.jpg)\n\n![Samantha Hawrylack](https:\/\/cdn.financebuzz.com\/34x34\/filters:quality\$100\$\/authors\/samantha-hawrylack-headshot.jpg)\n\n![Michael Kurko](https:\/\/cdn.financebuzz.com\/33x33\/filters:quality\$100\$\/authors\/michael-kurko-financebuzz_b2TuPBa.jpg)\n\nBy [Lindsay Frankel](https:\/\/financebuzz.com\/authors\/lindsay-frankel) and [Samantha Hawrylack](https:\/\/financebuzz.com\/authors\/samantha-hawrylack) , Edited by [Michael Kurko](https:\/\/financebuzz.com\/authors\/michael-kurko)\n\nUpdated March 3, 2026\n\n![Fact check checkmark icon](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/images\/icons\/fact-check-checkmark.svg) Fact checked\n\nThis article was subjected to a comprehensive fact-checking process. Our professional fact-checkers verify article information against primary sources, reputable publishers, and experts in the field.\n\n![close](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/images\/icons\/close.svg)\n\n[![Google Logo](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/images\/google-logo.png) Add Us On Google](https:\/\/www.google.com\/preferences\/source?q=financebuzz.com) ![info](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/images\/icons\/info.svg) Google Preferred Sources lets you customize your search results. By choosing to follow FinanceBuzz, you’re telling Google to prioritize content from a source you trust. ![close](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/images\/icons\/close.svg)\n\nIf you're looking for easy ways to lower your bills and pocket more of your income, you'll find a variety of clever ways to save money, establish healthy habits, and work toward your financial goals.\n\nSaving money doesn't mean sacrificing everything you enjoy, nor does it require you to spend hours clipping coupons. Small expenses add up fast, but the opposite is true as well. Finding areas to trim your budget, even by just a few dollars here and there, can lead to a lot of extra pocket change at the end of the month.\n\n## The 8 best ways to save money\n### 1\\. Lower your utility bills\nUtility bills are a fact of life — you've got to keep the lights on, after all. But recurring expenses like utility bills are a great place to look for savings opportunities. Here are a couple:\n\n- **Go paperless.** Many utility companies offer you a discount for paying your bill online and receiving paperless statements.\n- **Reduce your usage.** According to the U.S. Department of Energy, you can save up to 10% on your energy bill each year if you turn back the thermostat seven to 10 degrees for at least eight hours each day. Be sure to adjust the temperature before you leave and wear appropriate clothing while indoors.\n- **Keep the shades down.** Consider purchasing blackout curtains and keeping the shades drawn when the sun is up. The more you insulate your home, the more you'll save on heating and cooling costs.\n- **Schedule an energy audit.** Before you make any major changes to your home, get an energy audit done to identify opportunities for improving efficiency.\n- **Make energy efficiency improvements to your home**. When your house is operating at peak energy efficiency, your utility bills will be lower. There are many energy-efficient home improvements that you could make without breaking the bank, including swapping out your lightbulbs for Energy Star bulbs, installing weatherstripping on your windows, and improving your home's insulation.\n\nCheck out more ways to [save on your utilities](https:\/\/financebuzz.com\/save-money-on-utilities).\n\n### 2\\. Lower your cell phone bill\nCarrying a cell phone is yet another (arguably unfortunate) necessity of modern living. But that doesn't mean you need to be paying top dollar or always have the newest model.\n\n- **Shop around.** Prices for service vary so be sure to compare monthly rates across providers for the service you need.\n- **Opt for a group cell phone plan.** Sharing a plan with your family, friends, or roommates can help you save on your monthly cell phone bill.\n- **Be mindful of your data usage.** Understand the data caps associated with your plan and be careful not to incur any [additional fees](https:\/\/financebuzz.com\/sneaky-cell-phone-bill-fees).\n- **Avoid upgrading.** It can be tempting to snag the newest cell phone as soon as it hits the market, but you'll save money by sticking with your old phone for a couple more years.\n- **Have a company negotiate for you.** There are some companies that will negotiate your bills for you and take a cut of your savings. For example, the [Rocket Money](https:\/\/financebuzz.com\/truebill-review) app saves users money by canceling unused subscriptions and negotiating rates with providers.\n\nCheck out more ways to [lower your cell phone bill](https:\/\/financebuzz.com\/lower-cell-phone-bill).\n\n### 3\\. Lower your insurance premiums\nOkay, at this point this is feeling like a list of necessary evils we really wish we didn't have to spend money on, but so it goes. You're better off having insurance than covering costs in full when catastrophe strikes, but insurance companies have a lot of incentive to attract and keep customers, so there are plenty of ways to save on premiums.\n\n- **Compare auto and home insurance quotes.** With so many options for insurance, it can be difficult to know whether you're getting the best deal. Use a marketplace, such as [QuoteWizard](https:\/\/financebuzz.com\/quotewizard-review), to see personalized insurance rates side-by-side and snag the lowest offer.\n\nSmart Drivers, Smarter Savings\n\nCompare car insurance rates in your area\n\nSee if lower rates are available\n\n![Map zip icon](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/svg\/pin_black.svg)\n\n[Check Rates ![Arrow right icon](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/svg\/auto-insurance-funnel\/white_arrow.svg)](https:\/\/r.financebuzz.com\/aff_c?source=%2Fhow-to-save-money&offer_id=14873&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=585,contentblockversionid=,offerid=14873,adcampaignid=,contentblockposition=1,mlsortid=,sorteditemid=,ailistingid=,widgettype=zipcode-auto-funnel-entry,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=\/how-to-save-money&contentblockid=585&contentblockversionid=&ml_sort_id=&sorted_item_id=&widget_type=zipcode-auto-funnel-entry&cms_offer_id=488&keywords=&ai_listing_id=&ai_listing_section_id=&la_os_version=&la_device_model=DESKTOP&url_id=)\n\nBy clicking the button above, I understand and agree that this site uses site visit recording technology (provided by Trusted Form, Jornaya, and Microsoft Clarity) [Privacy Policy](https:\/\/financebuzz.com\/privacy)\n\n- **Assess (and consider reducing) your coverage.** Do you still need the amount of insurance coverage you originally signed up for? Maybe you paid off your mortgage and don't need as much life insurance coverage, or you're not driving currently and don't need comprehensive car insurance coverage. Reassess your insurance needs annually and cut back accordingly.\n- **Ask about special discounts.** You may be able to get [discounts for safe driving](https:\/\/financebuzz.com\/defensive-driving-discount) or save by [bundling your home and auto insurance](https:\/\/financebuzz.com\/home-and-car-insurance-bundle) policies. Making a larger down payment or paying your premium in full could also qualify you for a discount. Always ask about all available discounts to see what you can get.\n- **Practice preventative healthcare.** Most insurance plans cover an annual primary care visit. Be sure to get a checkup and also see a doctor right away if a problem arises. This can save money on healthcare costs in the long run.\n- **Quit smoking.** Not only will you save a ton of money by not purchasing cigarettes, but you can also reduce your health insurance and life insurance premiums. Some insurers even [cover smoking cessation programs](https:\/\/www.lung.org\/policy-advocacy\/tobacco\/cessation\/tobacco-cessation-treatment-what-is-covered) if you need a little help kicking the habit.\n### 4\\. Save on your cable bill (or cut it completely)\nIn the age of cord-cutting and far too many streaming platforms, do you really even need a cable subscription anymore? Regardless, you've got options for lowering this elective expense.\n\n- **Cut the cord altogether.** Eliminate expensive cable bills and take advantage of as many free or low-cost streaming services as possible.\n- **Negotiate with your provider.** Most cable service providers would rather extend your introductory rate than lose your business to another company. Call when your contract is almost up, and again annually, to see whether you can secure a lower rate.\n- **Downsize.** Choose a less expensive package with fewer channels or get rid of your DVR and use a streaming service instead.\n- **Bundle.** Some companies will let you bundle internet, cell phone service, and cable for one low price. Take advantage of these opportunities to save, but only if you'll use all of the services included.\n\nCheck out other ways to [lower your cable bill](https:\/\/financebuzz.com\/how-to-save-on-cable-bill).\n\n### 5\\. Cut down spending on groceries and essential items\nEverybody's got to eat, but with [grocery prices still rising](https:\/\/financebuzz.com\/inflation-food-prices) on certain items, this necessary expense can really hit hard. But with a little discipline and planning, you can cut back on grocery spending.\n\n- **Make a shopping list and stick to it.** It's easy to get distracted by non-essential purchases and leave the store with a year's supply of cheese. Always make a list of the items you need based on the recipes you have planned and stick to it. Bring someone with you to keep you accountable so you don't fall for impulse buys.\n- **Buy in bulk.** Assuming you have the storage space, always buy the larger package of dry goods and cleaning supplies, and buy bulk fresh food you know you'll use as well. Before you do, though, calculate the per ounce cost to ensure it's a good deal. Typically, bulk purchases are cheaper, but not always.\n- **Grow a garden.** Herbs and spices can be expensive, but growing your own can be fun and save you money. If you have the space, consider starting a vegetable garden as well.\n- **Drink tap water**. Stop buying bottled water and opt for tap water and a Brita filter instead. The filters are much less expensive than the cost of buying water bottles regularly.\n- **Use a rewards credit card.** If you do a lot of your shopping at grocery stores, consider applying for one of the [best credit cards for groceries](https:\/\/financebuzz.com\/best-credit-cards-for-buying-groceries). You can use your rewards for future travel, or redeem them for cash or gift cards.\n\nConsider these other ways to [spend less on groceries](https:\/\/financebuzz.com\/spend-less-on-groceries).\n\n[Stop Overpaying When You Shop Online](https:\/\/r.financebuzz.com\/aff_c?source=%2Fhow-to-save-money&offer_id=12911&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=,contentblockversionid=,offerid=12911,adcampaignid=,contentblockposition=,mlsortid=,sorteditemid=,ailistingid=,widgettype=offer_widget_review,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=\/how-to-save-money&contentblockid=&contentblockversionid=&ml_sort_id=&sorted_item_id=&widget_type=offer_widget_review&cms_offer_id=302&keywords=&ai_listing_id=&ai_listing_section_id=&la_os_version=&la_device_model=DESKTOP&url_id=)\n\n[![Capital One Shopping](https:\/\/cdn.financebuzz.com\/0x0\/filters:quality\$100\$\/images\/2020\/10\/20\/capital-one-shopping.png)](https:\/\/r.financebuzz.com\/aff_c?source=%2Fhow-to-save-money&offer_id=12911&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=,contentblockversionid=,offerid=12911,adcampaignid=,contentblockposition=,mlsortid=,sorteditemid=,ailistingid=,widgettype=offer_widget_review,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=\/how-to-save-money&contentblockid=&contentblockversionid=&ml_sort_id=&sorted_item_id=&widget_type=offer_widget_review&cms_offer_id=302&keywords=&ai_listing_id=&ai_listing_section_id=&la_os_version=&la_device_model=DESKTOP&url_id=)\n\nCapital One Shopping Benefits\n\n- Capital One Shopping searches thousands of merchants to see if you're getting a great deal\n- Don't miss out on a better price\n- Search and apply coupon codes automatically\n- Custom price drop alerts for products you've viewed or purchased\n\n[![Capital One Shopping](https:\/\/cdn.financebuzz.com\/0x0\/filters:quality\$100\$\/images\/2020\/10\/20\/capital-one-shopping.png)](https:\/\/r.financebuzz.com\/aff_c?source=%2Fhow-to-save-money&offer_id=12911&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=,contentblockversionid=,offerid=12911,adcampaignid=,contentblockposition=,mlsortid=,sorteditemid=,ailistingid=,widgettype=offer_widget_review,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=\/how-to-save-money&contentblockid=&contentblockversionid=&ml_sort_id=&sorted_item_id=&widget_type=offer_widget_review&cms_offer_id=302&keywords=&ai_listing_id=&ai_listing_section_id=&la_os_version=&la_device_model=DESKTOP&url_id=)\n\n[Visit Capital One Shopping](https:\/\/r.financebuzz.com\/aff_c?source=%2Fhow-to-save-money&offer_id=12911&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=,contentblockversionid=,offerid=12911,adcampaignid=,contentblockposition=,mlsortid=,sorteditemid=,ailistingid=,widgettype=offer_widget_review,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=\/how-to-save-money&contentblockid=&contentblockversionid=&ml_sort_id=&sorted_item_id=&widget_type=offer_widget_review&cms_offer_id=302&keywords=&ai_listing_id=&ai_listing_section_id=&la_os_version=&la_device_model=DESKTOP&url_id=)\n### 6\\. Avoid accruing or lower credit card interest\nIdeally, you'll pay off your credit card statement every month and not have to worry about interest. But it's not always possible to do so. If you're in the position where you occasionally have to carry a balance, consider taking these steps to lower the interest you pay.\n\n- **Set up automatic payments**. Automatic payments help you avoid missed payments, late fees, and penalty APRs. Just make sure you have enough money in your account on the date you select for payment.\n- **Negotiate a lower rate.** If you make your payments on time and use your card responsibly, your credit card company may allow you to [negotiate for a lower interest rate](https:\/\/financebuzz.com\/how-to-negotiate-lower-interest-rates).\n- **Apply for a balance transfer card.** The [best balance transfer cards](https:\/\/financebuzz.com\/best-balance-transfer-credit-cards) offer a 0% introductory APR for 12+ months, so you can put more of your money toward debt payments and save on interest.\n- **Apply for a personal loan.** If you have good credit, you may be able to consolidate your credit card debt with a [personal loan](https:\/\/financebuzz.com\/personal-loans-for-debt-consolidation). This works best when you can borrow enough to cover your credit card balances at a lower interest rate than what you're currently paying. Check out our picks for the [best personal loans](https:\/\/financebuzz.com\/best-personal-loans).\n\nAgain, it's best to [avoid paying interest](https:\/\/financebuzz.com\/how-to-avoid-credit-card-interest) on your credit card at all. But if you can't, make sure you're getting as low of a rate as you can.\n\n### 7\\. Search for low-effort or passive ways to save\nSometimes, doing a little goes a long way. Saving doesn't always have to be an exercise in self-denial. There are just a few easy ways you can cut down expenses and save money without having to think much about it.\n\n- **Open a high-yield savings account.** Most checking accounts don't pay interest, and if you have a large balance you're missing out on passive income you could be earning with a [high-yield savings account](https:\/\/financebuzz.com\/what-is-high-yield-savings-account).\n- **Cancel unused subscriptions.** After all those free trials you signed up for, you're likely paying recurring charges on your credit card for services you don't even use. [Trim](https:\/\/financebuzz.com\/save-money-with-trim) is an app that unsubscribes you from unused subscriptions (like Amazon Prime or other streaming services). It can also help you set up an automated savings plan.\n- **Take advantage of free offers on your birthday.** Give yourself a treat or three on your birthday without breaking your budget by taking advantage of [birthday freebies](https:\/\/financebuzz.com\/birthday-freebies-mega-list) offered by hundreds of restaurants, retail stores, and entertainment outlets.\n### 8\\. Use roundup apps\nRoundup apps automatically save or invest money for you as you spend, rounding up your purchases to the nearest dollar and depositing the difference into an account. Some options include:\n\n- **Acorns:** When you link a debit or credit card, [Acorns](https:\/\/financebuzz.com\/acorns-review) automatically rounds up your purchase and deposits the spare change into a diversified investment portfolio.\n- **Chime®:** With a [Chime](https:\/\/financebuzz.com\/chime-bank-account-review)1 \\Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC.\\&nbsp;\\<br\\>\\<\/p\\> account, you can elect to automatically deposit the roundup amount from your debit card purchases into a high-yield savings account.2 \\Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.\\&nbsp;\\<br\\>\\<\/p\\>\n- **Qapital:** With [Qapital](https:\/\/financebuzz.com\/qapital-review), you can set your own roundup rules for automatically depositing funds toward one of your savings goals.\n\n[Easily Invest With Your Spare Change](https:\/\/r.financebuzz.com\/aff_c?source=%2Fhow-to-save-money&offer_id=12126&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=,contentblockversionid=,offerid=12126,adcampaignid=,contentblockposition=,mlsortid=,sorteditemid=,ailistingid=,widgettype=offer_widget_review,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=\/how-to-save-money&contentblockid=&contentblockversionid=&ml_sort_id=&sorted_item_id=&widget_type=offer_widget_review&cms_offer_id=272&keywords=&ai_listing_id=&ai_listing_section_id=&la_os_version=&la_device_model=DESKTOP&url_id=)\n\n[![Acorns](https:\/\/cdn.financebuzz.com\/0x0\/filters:quality\$100\$\/images\/2024\/01\/25\/2024_acorns_logo_-_transparent.png)](https:\/\/r.financebuzz.com\/aff_c?source=%2Fhow-to-save-money&offer_id=12126&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=,contentblockversionid=,offerid=12126,adcampaignid=,contentblockposition=,mlsortid=,sorteditemid=,ailistingid=,widgettype=offer_widget_review,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=\/how-to-save-money&contentblockid=&contentblockversionid=&ml_sort_id=&sorted_item_id=&widget_type=offer_widget_review&cms_offer_id=272&keywords=&ai_listing_id=&ai_listing_section_id=&la_os_version=&la_device_model=DESKTOP&url_id=)\n\n4\\.6\n\n![info](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/images\/icons\/info.svg)\n\nFinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.\n\n![close](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/images\/icons\/close.svg)\n\nAcorns Benefits\n\n- Invest on autopilot in expert-recommended portfolios\n- No surprise fees; plans start at just \\$3\/mo\n- Ability to earn up to a 3.00% match on new contributions to your Acorns Later IRA\n- Bonus \\$20 after your first investment\n\n[![Acorns](https:\/\/cdn.financebuzz.com\/0x0\/filters:quality\$100\$\/images\/2024\/01\/25\/2024_acorns_logo_-_transparent.png)](https:\/\/r.financebuzz.com\/aff_c?source=%2Fhow-to-save-money&offer_id=12126&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=,contentblockversionid=,offerid=12126,adcampaignid=,contentblockposition=,mlsortid=,sorteditemid=,ailistingid=,widgettype=offer_widget_review,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=\/how-to-save-money&contentblockid=&contentblockversionid=&ml_sort_id=&sorted_item_id=&widget_type=offer_widget_review&cms_offer_id=272&keywords=&ai_listing_id=&ai_listing_section_id=&la_os_version=&la_device_model=DESKTOP&url_id=)\n\n4\\.6\n\n![info](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/images\/icons\/info.svg)\n\nFinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.\n\n![close](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/images\/icons\/close.svg)\n\n[Visit Acorns](https:\/\/r.financebuzz.com\/aff_c?source=%2Fhow-to-save-money&offer_id=12126&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=,contentblockversionid=,offerid=12126,adcampaignid=,contentblockposition=,mlsortid=,sorteditemid=,ailistingid=,widgettype=offer_widget_review,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=\/how-to-save-money&contentblockid=&contentblockversionid=&ml_sort_id=&sorted_item_id=&widget_type=offer_widget_review&cms_offer_id=272&keywords=&ai_listing_id=&ai_listing_section_id=&la_os_version=&la_device_model=DESKTOP&url_id=)\n\nPaid Non-Client Promotion\n\nFinanceBuzz doesn’t invest its money with this provider, but they are our referral partner. We get paid by them only if you click to them from our website and take a qualifying action (for example, opening an account.)\n\n![close](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/images\/icons\/close.svg)\n## How to save for the long haul\nEverything we've covered above will help you start whittling down your expenses little by little, freeing up money that you could squirrel away in a savings account. But setting yourself up for long-term savings success will require a little more foresight and planning. To put yourself in the best position for a financially secure future, consider the following steps:\n\n- **Work on your credit score.** If you don't have a [good credit score](https:\/\/financebuzz.com\/what-is-a-good-credit-score), it can cost you hundreds or thousands of dollars per year in interest, [insurance premiums](https:\/\/financebuzz.com\/insurance-credit-score), and more. Maintaining excellent credit will help you save.\n- **Create an emergency fund.** You should have at least three to six months' worth of living expenditures saved in an [emergency fund](https:\/\/financebuzz.com\/what-is-an-emergency-fund). This will help you weather financial setbacks and job loss.\n- **Start a retirement account and pay into it each month.** Financial experts recommend that you save 15% of your pre-tax salary per year, including employer contributions, in order to retire comfortably. Whether you have a 401(k) or an IRA, [saving for retirement](https:\/\/financebuzz.com\/how-to-save-for-retirement) and making regular contributions could help you meet your long-term goals.\n- **Separate your savings.** To avoid borrowing from your emergency fund when you want to treat yourself, set up a [separate savings account](https:\/\/financebuzz.com\/reasons-opening-more-than-one-savings-account) for large planned purchases like vacations.\n- **Refinance your mortgage.** Homeowners [refinancing their current mortgage](https:\/\/financebuzz.com\/how-does-refinancing-work) might get a lower interest rate or reduce their monthly payment.\n## Bottom line\nDon't try to tackle all these savings strategies at once. Instead, use the tips for saving money that require the least effort and will have the greatest impact.\n\nMake a small change to your savings habits each week or a more significant change every month to work toward your financial goals. After a while, these [new savings habits](https:\/\/financebuzz.com\/savings-habit) won't feel like extra work; they'll become a part of your lifestyle.\n\nBut saving all that cash won't do you much good if you don't have somewhere to put it. The [best savings accounts](https:\/\/financebuzz.com\/best-savings-accounts) offer generous annual percentage yields of 4.0%+, earning you a little more on top of all that money you've put away.\n\nYou May Also Like\n\n[![](https:\/\/cdn.financebuzz.com\/600x0\/filters:quality\$100\$\/images\/2021\/04\/21\/adobestock_192812280_1200x628.jpg)](https:\/\/financebuzz.com\/supplement-income)\n\n[7 Ways To Get Money Without Getting A Second Job ![arrow right](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/svg\/arrow-right_purple.svg)](https:\/\/financebuzz.com\/supplement-income)\n\n[Read More](https:\/\/financebuzz.com\/supplement-income)\n\n[![](https:\/\/cdn.financebuzz.com\/600x0\/filters:quality\$100\$\/images\/2019\/12\/06\/smart_strategies_to_save_money_on_car_insurance.jpg)](https:\/\/financebuzz.com\/save-money-on-car-insurance)\n\n[How To Save Money on Car Insurance: 12 Ways to Lower Rates ![arrow right](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/svg\/arrow-right_purple.svg)](https:\/\/financebuzz.com\/save-money-on-car-insurance)\n\n[Read More](https:\/\/financebuzz.com\/save-money-on-car-insurance)\n\n[![](https:\/\/cdn.financebuzz.com\/600x0\/filters:quality\$100\$\/images\/2025\/01\/28\/adobestock_628402894_1.jpeg)](https:\/\/financebuzz.com\/money-moves-senior-benefits)\n\n[10 Things Seniors Born Between 1941-1969 Could Take Advantage Of ![arrow right](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/svg\/arrow-right_purple.svg)](https:\/\/financebuzz.com\/money-moves-senior-benefits)\n\n[Read More](https:\/\/financebuzz.com\/money-moves-senior-benefits)\n\n[![](https:\/\/cdn.financebuzz.com\/600x0\/filters:quality\$100\$\/images\/2024\/09\/04\/adobestock_669069249_editorial_use_only_1.jpeg)](https:\/\/financebuzz.com\/dumb-money-moves)\n\n[19 Dumbest Things Smart People Waste Money On ![arrow right](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/svg\/arrow-right_purple.svg)](https:\/\/financebuzz.com\/dumb-money-moves)\n\n[Read More](https:\/\/financebuzz.com\/dumb-money-moves)\n\n[![](https:\/\/cdn.financebuzz.com\/600x0\/filters:quality\$100\$\/images\/2020\/03\/02\/tattoo-woman-bar.jpeg)](https:\/\/financebuzz.com\/paycheck-moves-55mp)\n\n[7 Moves If You Want to Stop Living Paycheck to Paycheck ![arrow right](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/svg\/arrow-right_purple.svg)](https:\/\/financebuzz.com\/paycheck-moves-55mp)\n\n[Read More](https:\/\/financebuzz.com\/paycheck-moves-55mp)\n\n[![](https:\/\/cdn.financebuzz.com\/600x0\/filters:quality\$100\$\/images\/2020\/12\/21\/smiling-couple-looking-at-laptop-screen.jpeg)](https:\/\/financebuzz.com\/clever-debt-payoff-55mp)\n\n[7 Clever Ways to Crush Your Debt ![arrow right](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/svg\/arrow-right_purple.svg)](https:\/\/financebuzz.com\/clever-debt-payoff-55mp)\n\n[Read More](https:\/\/financebuzz.com\/clever-debt-payoff-55mp)\n\nUp To 5% Cash Back\n\n[Discover it® Cash Back](https:\/\/r.financebuzz.com\/aff_c?source=%2Fhow-to-save-money&offer_id=24359&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=244,contentblockversionid=38970,offerid=24359,adcampaignid=,contentblockposition=2,mlsortid=,sorteditemid=,ailistingid=,widgettype=credit_card_our_pick_widget,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=\/how-to-save-money&capital_one_id=&chase_id=&ml_sort_id=&sorted_item_id=&widget_type=credit_card_our_pick_widget&cms_cc_id=7&ai_listing_id=&ai_listing_section_id=&capital_one_traffic_id=&la_os_version=&la_device_model=DESKTOP&contentblockid=244&contentblockversionid=38970)\n\nBenefits\n\nCard Details\n\n- \\$0 annual fee\n- Intro APR on purchases and balance transfers\n- [Apply Now](https:\/\/r.financebuzz.com\/aff_c?source=%2Fhow-to-save-money&offer_id=24359&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=244,contentblockversionid=38970,offerid=24359,adcampaignid=,contentblockposition=2,mlsortid=,sorteditemid=,ailistingid=,widgettype=credit_card_our_pick_widget,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=\/how-to-save-money&capital_one_id=&chase_id=&ml_sort_id=&sorted_item_id=&widget_type=credit_card_our_pick_widget&cms_cc_id=7&ai_listing_id=&ai_listing_section_id=&capital_one_traffic_id=&la_os_version=&la_device_model=DESKTOP&contentblockid=244&contentblockversionid=38970)\n\n- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. 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Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.\n- Terms and conditions apply.\n\n[![Discover \\it\\<sup\\>®\\<\/sup\\>\\<\/span\\> Cash Back](https:\/\/cdn.financebuzz.com\/0x0\/filters:quality\$100\$\/images\/2025\/01\/23\/discover_it_cash_back_card_art_gold.png)](https:\/\/r.financebuzz.com\/aff_c?source=%2Fhow-to-save-money&offer_id=24359&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=244,contentblockversionid=38970,offerid=24359,adcampaignid=,contentblockposition=2,mlsortid=,sorteditemid=,ailistingid=,widgettype=credit_card_our_pick_widget,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=\/how-to-save-money&capital_one_id=&chase_id=&ml_sort_id=&sorted_item_id=&widget_type=credit_card_our_pick_widget&cms_cc_id=7&ai_listing_id=&ai_listing_section_id=&capital_one_traffic_id=&la_os_version=&la_device_model=DESKTOP&contentblockid=244&contentblockversionid=38970)\n\n4\\.7\n\n![info](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/images\/icons\/info.svg) FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products. ![close](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/images\/icons\/close.svg)\n\n[Apply Now](https:\/\/r.financebuzz.com\/aff_c?source=%2Fhow-to-save-money&offer_id=24359&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=244,contentblockversionid=38970,offerid=24359,adcampaignid=,contentblockposition=2,mlsortid=,sorteditemid=,ailistingid=,widgettype=credit_card_our_pick_widget,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=\/how-to-save-money&capital_one_id=&chase_id=&ml_sort_id=&sorted_item_id=&widget_type=credit_card_our_pick_widget&cms_cc_id=7&ai_listing_id=&ai_listing_section_id=&capital_one_traffic_id=&la_os_version=&la_device_model=DESKTOP&contentblockid=244&contentblockversionid=38970)\n\non Capital One's secure website\n\n[Rates and fees](https:\/\/r.financebuzz.com\/aff_c?offer_id=24360&aff_id=1006)\n\n[Read Card Review](https:\/\/financebuzz.com\/discover-it-cash-back-review)\n\n**Intro Offer**\n\nDiscover will match all the cash back you’ve earned at the end of your first year.\n\n**Annual Fee**\n\n\\$0\n\n\\+ \\-\n\nWhy we like it\n\n- The Discover it® Cash Back is ideal for anyone who loves flexible rewards options.\n- Cardholders can redeem their cash back for any amount.\n- Earn 5% cash back on rotating bonus categories up to the quarterly maximum when you activate, along with 1% cash back on all purchases. Categories may include places like gas stations, grocery stores, restaurants, and more.\n- [Apply Now](https:\/\/r.financebuzz.com\/aff_c?source=%2Fhow-to-save-money&offer_id=24359&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=244,contentblockversionid=38970,offerid=24359,adcampaignid=,contentblockposition=2,mlsortid=,sorteditemid=,ailistingid=,widgettype=credit_card_our_pick_widget,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=\/how-to-save-money&capital_one_id=&chase_id=&ml_sort_id=&sorted_item_id=&widget_type=credit_card_our_pick_widget&cms_cc_id=7&ai_listing_id=&ai_listing_section_id=&capital_one_traffic_id=&la_os_version=&la_device_model=DESKTOP&contentblockid=244&contentblockversionid=38970)\n\n***\nSubscribe Today\n\n#### Unlock the Best Banking Deals and Bonuses\nFrom high-yield savings accounts to cashback checking and sign-up bonuses, we bring you the best banking offers to grow your money smarter.\n\nUnlock the Best Banking Deals and Bonuses\n\nFrom high-yield savings accounts to cashback checking and sign-up bonuses, we bring you the best banking offers to grow your money smarter.\n\nThanks for subscribing! Please check your email to confirm your subscription.\n\nBy submitting this form you agree to receive emails from FinanceBuzz and to the [privacy policy](https:\/\/financebuzz.com\/privacy) and [terms](https:\/\/financebuzz.com\/tou).\n\nWe can help boost your earning potential even further\\!\n\nLoading...\n\nConfirming Subscription\n\nLoading...\n\nThanks for Becoming an EXTRA Ultimate Subscriber\\!\n\nCheck your texts\n\nReminder: Check your inbox as well to confirm your EXTRA email subscription.\n\n### Must-Read *Buzz*\n[Saving & Spending 7 Best Budgeting Apps \\[2026\\]: Tools To Manage Your Everyday Finances -\\> ![](https:\/\/cdn.financebuzz.com\/filters:quality\$100\$\/images\/2025\/01\/15\/woman_uses_smartphone_on_bus.png)](https:\/\/financebuzz.com\/budgeting-apps)\n\n[![](https:\/\/cdn.financebuzz.com\/filters:quality\$100\$\/images\/2025\/01\/15\/a_man_smiles_while_using_cellphone_and_holding_credit_card.png) 9 Best Money-Saving Apps of \\[2026\\]: Budget, Shop, Earn, + More -\\>](https:\/\/financebuzz.com\/best-money-saving-apps)\n\n[![](https:\/\/cdn.financebuzz.com\/filters:quality\$100\$\/images\/2024\/06\/13\/early-morning-farmers-market-scene-adobe.jpg) 10 Entitlements All Seniors Should Be Claiming Because It's Easy Money -\\>](https:\/\/financebuzz.com\/entitlements-seniors-should-claim-2)\n\n[![](https:\/\/cdn.financebuzz.com\/filters:quality\$100\$\/images\/2026\/03\/23\/header_easter_candy_inflation_R3vKYlQ.png) Easter Inflation: Candy Prices Up 58% Since 2021 \\[Study\\] -\\>](https:\/\/financebuzz.com\/easter-candy-inflation-study)\n\n[![](https:\/\/cdn.financebuzz.com\/filters:quality\$100\$\/images\/2026\/03\/02\/pot_of_gold_with_coins.png) St. Patrick’s Day by the Numbers -\\>](https:\/\/financebuzz.com\/st-patricks-day-by-the-numbers)\n\n[![](https:\/\/cdn.financebuzz.com\/filters:quality\$100\$\/images\/2026\/03\/02\/smiling_family_on_porch.png) These States Have the Most (And Fewest) Multigenerational Households -\\>](https:\/\/financebuzz.com\/multigenerational-homes-data)\n\n[![](https:\/\/cdn.financebuzz.com\/filters:quality\$100\$\/images\/2022\/01\/28\/senior-couple-planning-finances-.png) Cutting Expenses in Retirement? 11 Home Items To Stop Buying -\\>](https:\/\/financebuzz.com\/retirement-home-items-stop-buying)\n\n[![](https:\/\/cdn.financebuzz.com\/filters:quality\$100\$\/images\/2024\/11\/20\/checking-online-bank-account-on-phone.png) Stop Using Auto-Pay for These 10 Bills (It’s Costing You Hundreds) -\\>](https:\/\/financebuzz.com\/bills-dont-use-auto-pay)\n\n[![](https:\/\/cdn.financebuzz.com\/filters:quality\$100\$\/images\/2026\/02\/02\/valentines_roses_chocolates_hearts_1.png) The Price of Romance: Sweet Statistics About Valentine’s Day -\\>](https:\/\/financebuzz.com\/price-statistics-valentines-day)\n\n[![](https:\/\/cdn.financebuzz.com\/filters:quality\$100\$\/images\/2026\/02\/03\/retired_couple_reviewing_financial_documents.jpg) 8 Best Money Moves Retirees Can Make in February 2026 -\\>](https:\/\/financebuzz.com\/best-money-moves-retirees-february-2026)\n\n[![](https:\/\/cdn.financebuzz.com\/filters:quality\$100\$\/images\/2025\/10\/21\/elderly-person-discussing-annuities-adobe.jpg) Retirees Should Cut These 8 Expenses To Save up to \\$25K a Year -\\>](https:\/\/financebuzz.com\/retirees-cut-these-expenses-save-25k)\n\nRead More\n\nAdvertiser and Editorial Disclosures\n\nAdvertiser Disclosure\n\nFinanceBuzz is an independent, advertising-supported website. 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you're looking for easy ways to lower your bills and pocket more of your income, you'll find a variety of clever ways to save money, establish healthy habits, and work toward your financial goals.\n\nSaving money doesn't mean sacrificing everything you enjoy, nor does it require you to spend hours clipping coupons. Small expenses add up fast, but the opposite is true as well. Finding areas to trim your budget, even by just a few dollars here and there, can lead to a lot of extra pocket change at the end of the month.\n\n## The 8 best ways to save money\n### 1\\. Lower your utility bills\nUtility bills are a fact of life — you've got to keep the lights on, after all. But recurring expenses like utility bills are a great place to look for savings opportunities. Here are a couple:\n\n- **Go paperless.** Many utility companies offer you a discount for paying your bill online and receiving paperless statements.\n- **Reduce your usage.** According to the U.S. Department of Energy, you can save up to 10% on your energy bill each year if you turn back the thermostat seven to 10 degrees for at least eight hours each day. Be sure to adjust the temperature before you leave and wear appropriate clothing while indoors.\n- **Keep the shades down.** Consider purchasing blackout curtains and keeping the shades drawn when the sun is up. The more you insulate your home, the more you'll save on heating and cooling costs.\n- **Schedule an energy audit.** Before you make any major changes to your home, get an energy audit done to identify opportunities for improving efficiency.\n- **Make energy efficiency improvements to your home**. When your house is operating at peak energy efficiency, your utility bills will be lower. There are many energy-efficient home improvements that you could make without breaking the bank, including swapping out your lightbulbs for Energy Star bulbs, installing weatherstripping on your windows, and improving your home's insulation.\n\nCheck out more ways to [save on your utilities](https:\/\/financebuzz.com\/save-money-on-utilities).\n\n### 2\\. Lower your cell phone bill\nCarrying a cell phone is yet another (arguably unfortunate) necessity of modern living. But that doesn't mean you need to be paying top dollar or always have the newest model.\n\n- **Shop around.** Prices for service vary so be sure to compare monthly rates across providers for the service you need.\n- **Opt for a group cell phone plan.** Sharing a plan with your family, friends, or roommates can help you save on your monthly cell phone bill.\n- **Be mindful of your data usage.** Understand the data caps associated with your plan and be careful not to incur any [additional fees](https:\/\/financebuzz.com\/sneaky-cell-phone-bill-fees).\n- **Avoid upgrading.** It can be tempting to snag the newest cell phone as soon as it hits the market, but you'll save money by sticking with your old phone for a couple more years.\n- **Have a company negotiate for you.** There are some companies that will negotiate your bills for you and take a cut of your savings. For example, the [Rocket Money](https:\/\/financebuzz.com\/truebill-review) app saves users money by canceling unused subscriptions and negotiating rates with providers.\n\nCheck out more ways to [lower your cell phone bill](https:\/\/financebuzz.com\/lower-cell-phone-bill).\n\n### 3\\. Lower your insurance premiums\nOkay, at this point this is feeling like a list of necessary evils we really wish we didn't have to spend money on, but so it goes. You're better off having insurance than covering costs in full when catastrophe strikes, but insurance companies have a lot of incentive to attract and keep customers, so there are plenty of ways to save on premiums.\n\n- **Compare auto and home insurance quotes.** With so many options for insurance, it can be difficult to know whether you're getting the best deal. Use a marketplace, such as [QuoteWizard](https:\/\/financebuzz.com\/quotewizard-review), to see personalized insurance rates side-by-side and snag the lowest offer.\n\n- **Assess (and consider reducing) your coverage.** Do you still need the amount of insurance coverage you originally signed up for? Maybe you paid off your mortgage and don't need as much life insurance coverage, or you're not driving currently and don't need comprehensive car insurance coverage. Reassess your insurance needs annually and cut back accordingly.\n- **Ask about special discounts.** You may be able to get [discounts for safe driving](https:\/\/financebuzz.com\/defensive-driving-discount) or save by [bundling your home and auto insurance](https:\/\/financebuzz.com\/home-and-car-insurance-bundle) policies. Making a larger down payment or paying your premium in full could also qualify you for a discount. Always ask about all available discounts to see what you can get.\n- **Practice preventative healthcare.** Most insurance plans cover an annual primary care visit. Be sure to get a checkup and also see a doctor right away if a problem arises. This can save money on healthcare costs in the long run.\n- **Quit smoking.** Not only will you save a ton of money by not purchasing cigarettes, but you can also reduce your health insurance and life insurance premiums. Some insurers even [cover smoking cessation programs](https:\/\/www.lung.org\/policy-advocacy\/tobacco\/cessation\/tobacco-cessation-treatment-what-is-covered) if you need a little help kicking the habit.\n### 4\\. Save on your cable bill (or cut it completely)\nIn the age of cord-cutting and far too many streaming platforms, do you really even need a cable subscription anymore? Regardless, you've got options for lowering this elective expense.\n\n- **Cut the cord altogether.** Eliminate expensive cable bills and take advantage of as many free or low-cost streaming services as possible.\n- **Negotiate with your provider.** Most cable service providers would rather extend your introductory rate than lose your business to another company. Call when your contract is almost up, and again annually, to see whether you can secure a lower rate.\n- **Downsize.** Choose a less expensive package with fewer channels or get rid of your DVR and use a streaming service instead.\n- **Bundle.** Some companies will let you bundle internet, cell phone service, and cable for one low price. Take advantage of these opportunities to save, but only if you'll use all of the services included.\n\nCheck out other ways to [lower your cable bill](https:\/\/financebuzz.com\/how-to-save-on-cable-bill).\n\n### 5\\. Cut down spending on groceries and essential items\nEverybody's got to eat, but with [grocery prices still rising](https:\/\/financebuzz.com\/inflation-food-prices) on certain items, this necessary expense can really hit hard. But with a little discipline and planning, you can cut back on grocery spending.\n\n- **Make a shopping list and stick to it.** It's easy to get distracted by non-essential purchases and leave the store with a year's supply of cheese. Always make a list of the items you need based on the recipes you have planned and stick to it. Bring someone with you to keep you accountable so you don't fall for impulse buys.\n- **Buy in bulk.** Assuming you have the storage space, always buy the larger package of dry goods and cleaning supplies, and buy bulk fresh food you know you'll use as well. Before you do, though, calculate the per ounce cost to ensure it's a good deal. Typically, bulk purchases are cheaper, but not always.\n- **Grow a garden.** Herbs and spices can be expensive, but growing your own can be fun and save you money. If you have the space, consider starting a vegetable garden as well.\n- **Drink tap water**. Stop buying bottled water and opt for tap water and a Brita filter instead. The filters are much less expensive than the cost of buying water bottles regularly.\n- **Use a rewards credit card.** If you do a lot of your shopping at grocery stores, consider applying for one of the [best credit cards for groceries](https:\/\/financebuzz.com\/best-credit-cards-for-buying-groceries). You can use your rewards for future travel, or redeem them for cash or gift cards.\n\nConsider these other ways to [spend less on groceries](https:\/\/financebuzz.com\/spend-less-on-groceries).\n\n### 6\\. Avoid accruing or lower credit card interest\nIdeally, you'll pay off your credit card statement every month and not have to worry about interest. But it's not always possible to do so. If you're in the position where you occasionally have to carry a balance, consider taking these steps to lower the interest you pay.\n\n- **Set up automatic payments**. Automatic payments help you avoid missed payments, late fees, and penalty APRs. Just make sure you have enough money in your account on the date you select for payment.\n- **Negotiate a lower rate.** If you make your payments on time and use your card responsibly, your credit card company may allow you to [negotiate for a lower interest rate](https:\/\/financebuzz.com\/how-to-negotiate-lower-interest-rates).\n- **Apply for a balance transfer card.** The [best balance transfer cards](https:\/\/financebuzz.com\/best-balance-transfer-credit-cards) offer a 0% introductory APR for 12+ months, so you can put more of your money toward debt payments and save on interest.\n- **Apply for a personal loan.** If you have good credit, you may be able to consolidate your credit card debt with a [personal loan](https:\/\/financebuzz.com\/personal-loans-for-debt-consolidation). This works best when you can borrow enough to cover your credit card balances at a lower interest rate than what you're currently paying. Check out our picks for the [best personal loans](https:\/\/financebuzz.com\/best-personal-loans).\n\nAgain, it's best to [avoid paying interest](https:\/\/financebuzz.com\/how-to-avoid-credit-card-interest) on your credit card at all. But if you can't, make sure you're getting as low of a rate as you can.\n\n### 7\\. Search for low-effort or passive ways to save\nSometimes, doing a little goes a long way. Saving doesn't always have to be an exercise in self-denial. There are just a few easy ways you can cut down expenses and save money without having to think much about it.\n\n- **Open a high-yield savings account.** Most checking accounts don't pay interest, and if you have a large balance you're missing out on passive income you could be earning with a [high-yield savings account](https:\/\/financebuzz.com\/what-is-high-yield-savings-account).\n- **Cancel unused subscriptions.** After all those free trials you signed up for, you're likely paying recurring charges on your credit card for services you don't even use. [Trim](https:\/\/financebuzz.com\/save-money-with-trim) is an app that unsubscribes you from unused subscriptions (like Amazon Prime or other streaming services). It can also help you set up an automated savings plan.\n- **Take advantage of free offers on your birthday.** Give yourself a treat or three on your birthday without breaking your budget by taking advantage of [birthday freebies](https:\/\/financebuzz.com\/birthday-freebies-mega-list) offered by hundreds of restaurants, retail stores, and entertainment outlets.\n### 8\\. Use roundup apps\nRoundup apps automatically save or invest money for you as you spend, rounding up your purchases to the nearest dollar and depositing the difference into an account. Some options include:\n\n- **Acorns:** When you link a debit or credit card, [Acorns](https:\/\/financebuzz.com\/acorns-review) automatically rounds up your purchase and deposits the spare change into a diversified investment portfolio.\n- **Chime®:** With a [Chime](https:\/\/financebuzz.com\/chime-bank-account-review)1 \\Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC.\\&nbsp;\\<br\\>\\<\/p\\> account, you can elect to automatically deposit the roundup amount from your debit card purchases into a high-yield savings account.2 \\Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.\\&nbsp;\\<br\\>\\<\/p\\>\n- **Qapital:** With [Qapital](https:\/\/financebuzz.com\/qapital-review), you can set your own roundup rules for automatically depositing funds toward one of your savings goals.\n## How to save for the long haul\nEverything we've covered above will help you start whittling down your expenses little by little, freeing up money that you could squirrel away in a savings account. But setting yourself up for long-term savings success will require a little more foresight and planning. To put yourself in the best position for a financially secure future, consider the following steps:\n\n- **Work on your credit score.** If you don't have a [good credit score](https:\/\/financebuzz.com\/what-is-a-good-credit-score), it can cost you hundreds or thousands of dollars per year in interest, [insurance premiums](https:\/\/financebuzz.com\/insurance-credit-score), and more. Maintaining excellent credit will help you save.\n- **Create an emergency fund.** You should have at least three to six months' worth of living expenditures saved in an [emergency fund](https:\/\/financebuzz.com\/what-is-an-emergency-fund). This will help you weather financial setbacks and job loss.\n- **Start a retirement account and pay into it each month.** Financial experts recommend that you save 15% of your pre-tax salary per year, including employer contributions, in order to retire comfortably. Whether you have a 401(k) or an IRA, [saving for retirement](https:\/\/financebuzz.com\/how-to-save-for-retirement) and making regular contributions could help you meet your long-term goals.\n- **Separate your savings.** To avoid borrowing from your emergency fund when you want to treat yourself, set up a [separate savings account](https:\/\/financebuzz.com\/reasons-opening-more-than-one-savings-account) for large planned purchases like vacations.\n- **Refinance your mortgage.** Homeowners [refinancing their current mortgage](https:\/\/financebuzz.com\/how-does-refinancing-work) might get a lower interest rate or reduce their monthly payment.\n## Bottom line\nDon't try to tackle all these savings strategies at once. Instead, use the tips for saving money that require the least effort and will have the greatest impact.\n\nMake a small change to your savings habits each week or a more significant change every month to work toward your financial goals. After a while, these [new savings habits](https:\/\/financebuzz.com\/savings-habit) won't feel like extra work; they'll become a part of your lifestyle.\n\nBut saving all that cash won't do you much good if you don't have somewhere to put it. The [best savings accounts](https:\/\/financebuzz.com\/best-savings-accounts) offer generous annual percentage yields of 4.0%+, earning you a little more on top of all that money you've put away.\n\nYou May Also Like\n\n[![](https:\/\/cdn.financebuzz.com\/600x0\/filters:quality\$100\$\/images\/2021\/04\/21\/adobestock_192812280_1200x628.jpg)](https:\/\/financebuzz.com\/supplement-income)\n\n[![](https:\/\/cdn.financebuzz.com\/600x0\/filters:quality\$100\$\/images\/2019\/12\/06\/smart_strategies_to_save_money_on_car_insurance.jpg)](https:\/\/financebuzz.com\/save-money-on-car-insurance)\n\n[![](https:\/\/cdn.financebuzz.com\/600x0\/filters:quality\$100\$\/images\/2025\/01\/28\/adobestock_628402894_1.jpeg)](https:\/\/financebuzz.com\/money-moves-senior-benefits)\n\n[![](https:\/\/cdn.financebuzz.com\/600x0\/filters:quality\$100\$\/images\/2024\/09\/04\/adobestock_669069249_editorial_use_only_1.jpeg)](https:\/\/financebuzz.com\/dumb-money-moves)\n\n[![](https:\/\/cdn.financebuzz.com\/600x0\/filters:quality\$100\$\/images\/2020\/03\/02\/tattoo-woman-bar.jpeg)](https:\/\/financebuzz.com\/paycheck-moves-55mp)\n\n[![](https:\/\/cdn.financebuzz.com\/600x0\/filters:quality\$100\$\/images\/2020\/12\/21\/smiling-couple-looking-at-laptop-screen.jpeg)](https:\/\/financebuzz.com\/clever-debt-payoff-55mp)\n\n- \\$0 annual fee\n- Intro APR on purchases and balance transfers\n- [Apply Now](https:\/\/r.financebuzz.com\/aff_c?source=%2Fhow-to-save-money&offer_id=24359&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=244,contentblockversionid=38970,offerid=24359,adcampaignid=,contentblockposition=2,mlsortid=,sorteditemid=,ailistingid=,widgettype=credit_card_our_pick_widget,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=\/how-to-save-money&capital_one_id=&chase_id=&ml_sort_id=&sorted_item_id=&widget_type=credit_card_our_pick_widget&cms_cc_id=7&ai_listing_id=&ai_listing_section_id=&capital_one_traffic_id=&la_os_version=&la_device_model=DESKTOP&contentblockid=244&contentblockversionid=38970)\n\n- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn \\$150 cash back into \\$300.\n- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.\n- Redeem cash back for any amount. No annual fee.\n- Get a 0% intro APR for 15 months on purchases. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.\n- Terms and conditions apply.\n\n[![Discover \\it\\<sup\\>®\\<\/sup\\>\\<\/span\\> Cash Back](https:\/\/cdn.financebuzz.com\/0x0\/filters:quality\$100\$\/images\/2025\/01\/23\/discover_it_cash_back_card_art_gold.png)](https:\/\/r.financebuzz.com\/aff_c?source=%2Fhow-to-save-money&offer_id=24359&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=244,contentblockversionid=38970,offerid=24359,adcampaignid=,contentblockposition=2,mlsortid=,sorteditemid=,ailistingid=,widgettype=credit_card_our_pick_widget,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=\/how-to-save-money&capital_one_id=&chase_id=&ml_sort_id=&sorted_item_id=&widget_type=credit_card_our_pick_widget&cms_cc_id=7&ai_listing_id=&ai_listing_section_id=&capital_one_traffic_id=&la_os_version=&la_device_model=DESKTOP&contentblockid=244&contentblockversionid=38970)\n\n4\\.7\n\n![info](https:\/\/cdn.financebuzz.com\/static-assets\/statics-27824\/images\/icons\/info.svg) FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. 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Meta Title	8 of the Best Ways to Save Money \| FinanceBuzz
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Boilerpipe Text	If you're looking for easy ways to lower your bills and pocket more of your income, you'll find a variety of clever ways to save money, establish healthy habits, and work toward your financial goals. Saving money doesn't mean sacrificing everything you enjoy, nor does it require you to spend hours clipping coupons. Small expenses add up fast, but the opposite is true as well. Finding areas to trim your budget, even by just a few dollars here and there, can lead to a lot of extra pocket change at the end of the month. The 8 best ways to save money 1. Lower your utility bills Utility bills are a fact of life — you've got to keep the lights on, after all. But recurring expenses like utility bills are a great place to look for savings opportunities. Here are a couple: Go paperless. Many utility companies offer you a discount for paying your bill online and receiving paperless statements. Reduce your usage. According to the U.S. Department of Energy, you can save up to 10% on your energy bill each year if you turn back the thermostat seven to 10 degrees for at least eight hours each day. Be sure to adjust the temperature before you leave and wear appropriate clothing while indoors. Keep the shades down. Consider purchasing blackout curtains and keeping the shades drawn when the sun is up. The more you insulate your home, the more you'll save on heating and cooling costs. Schedule an energy audit. Before you make any major changes to your home, get an energy audit done to identify opportunities for improving efficiency. Make energy efficiency improvements to your home . When your house is operating at peak energy efficiency, your utility bills will be lower. There are many energy-efficient home improvements that you could make without breaking the bank, including swapping out your lightbulbs for Energy Star bulbs, installing weatherstripping on your windows, and improving your home's insulation. Check out more ways to save on your utilities . 2. Lower your cell phone bill Carrying a cell phone is yet another (arguably unfortunate) necessity of modern living. But that doesn't mean you need to be paying top dollar or always have the newest model. Shop around. Prices for service vary so be sure to compare monthly rates across providers for the service you need. Opt for a group cell phone plan. Sharing a plan with your family, friends, or roommates can help you save on your monthly cell phone bill. Be mindful of your data usage. Understand the data caps associated with your plan and be careful not to incur any additional fees . Avoid upgrading. It can be tempting to snag the newest cell phone as soon as it hits the market, but you'll save money by sticking with your old phone for a couple more years. Have a company negotiate for you. There are some companies that will negotiate your bills for you and take a cut of your savings. For example, the Rocket Money app saves users money by canceling unused subscriptions and negotiating rates with providers. Check out more ways to lower your cell phone bill . 3. Lower your insurance premiums Okay, at this point this is feeling like a list of necessary evils we really wish we didn't have to spend money on, but so it goes. You're better off having insurance than covering costs in full when catastrophe strikes, but insurance companies have a lot of incentive to attract and keep customers, so there are plenty of ways to save on premiums. Compare auto and home insurance quotes. With so many options for insurance, it can be difficult to know whether you're getting the best deal. Use a marketplace, such as QuoteWizard , to see personalized insurance rates side-by-side and snag the lowest offer. Assess (and consider reducing) your coverage. Do you still need the amount of insurance coverage you originally signed up for? Maybe you paid off your mortgage and don't need as much life insurance coverage, or you're not driving currently and don't need comprehensive car insurance coverage. Reassess your insurance needs annually and cut back accordingly. Ask about special discounts. You may be able to get discounts for safe driving or save by bundling your home and auto insurance policies. Making a larger down payment or paying your premium in full could also qualify you for a discount. Always ask about all available discounts to see what you can get. Practice preventative healthcare. Most insurance plans cover an annual primary care visit. Be sure to get a checkup and also see a doctor right away if a problem arises. This can save money on healthcare costs in the long run. Quit smoking. Not only will you save a ton of money by not purchasing cigarettes, but you can also reduce your health insurance and life insurance premiums. Some insurers even cover smoking cessation programs if you need a little help kicking the habit. 4. Save on your cable bill (or cut it completely) In the age of cord-cutting and far too many streaming platforms, do you really even need a cable subscription anymore? Regardless, you've got options for lowering this elective expense. Cut the cord altogether. Eliminate expensive cable bills and take advantage of as many free or low-cost streaming services as possible. Negotiate with your provider. Most cable service providers would rather extend your introductory rate than lose your business to another company. Call when your contract is almost up, and again annually, to see whether you can secure a lower rate. Downsize. Choose a less expensive package with fewer channels or get rid of your DVR and use a streaming service instead. Bundle. Some companies will let you bundle internet, cell phone service, and cable for one low price. Take advantage of these opportunities to save, but only if you'll use all of the services included. Check out other ways to lower your cable bill . 5. Cut down spending on groceries and essential items Everybody's got to eat, but with grocery prices still rising on certain items, this necessary expense can really hit hard. But with a little discipline and planning, you can cut back on grocery spending. Make a shopping list and stick to it. It's easy to get distracted by non-essential purchases and leave the store with a year's supply of cheese. Always make a list of the items you need based on the recipes you have planned and stick to it. Bring someone with you to keep you accountable so you don't fall for impulse buys. Buy in bulk. Assuming you have the storage space, always buy the larger package of dry goods and cleaning supplies, and buy bulk fresh food you know you'll use as well. Before you do, though, calculate the per ounce cost to ensure it's a good deal. Typically, bulk purchases are cheaper, but not always. Grow a garden. Herbs and spices can be expensive, but growing your own can be fun and save you money. If you have the space, consider starting a vegetable garden as well. Drink tap water . Stop buying bottled water and opt for tap water and a Brita filter instead. The filters are much less expensive than the cost of buying water bottles regularly. Use a rewards credit card. If you do a lot of your shopping at grocery stores, consider applying for one of the best credit cards for groceries . You can use your rewards for future travel, or redeem them for cash or gift cards. Consider these other ways to spend less on groceries . 6. Avoid accruing or lower credit card interest Ideally, you'll pay off your credit card statement every month and not have to worry about interest. But it's not always possible to do so. If you're in the position where you occasionally have to carry a balance, consider taking these steps to lower the interest you pay. Set up automatic payments . Automatic payments help you avoid missed payments, late fees, and penalty APRs. Just make sure you have enough money in your account on the date you select for payment. Negotiate a lower rate. If you make your payments on time and use your card responsibly, your credit card company may allow you to negotiate for a lower interest rate . Apply for a balance transfer card. The best balance transfer cards offer a 0% introductory APR for 12+ months, so you can put more of your money toward debt payments and save on interest. Apply for a personal loan. If you have good credit, you may be able to consolidate your credit card debt with a personal loan . This works best when you can borrow enough to cover your credit card balances at a lower interest rate than what you're currently paying. Check out our picks for the best personal loans . Again, it's best to avoid paying interest on your credit card at all. But if you can't, make sure you're getting as low of a rate as you can. 7. Search for low-effort or passive ways to save Sometimes, doing a little goes a long way. Saving doesn't always have to be an exercise in self-denial. There are just a few easy ways you can cut down expenses and save money without having to think much about it. Open a high-yield savings account. Most checking accounts don't pay interest, and if you have a large balance you're missing out on passive income you could be earning with a high-yield savings account . Cancel unused subscriptions. After all those free trials you signed up for, you're likely paying recurring charges on your credit card for services you don't even use. Trim is an app that unsubscribes you from unused subscriptions (like Amazon Prime or other streaming services). It can also help you set up an automated savings plan. Take advantage of free offers on your birthday. Give yourself a treat or three on your birthday without breaking your budget by taking advantage of birthday freebies offered by hundreds of restaurants, retail stores, and entertainment outlets. 8. Use roundup apps Roundup apps automatically save or invest money for you as you spend, rounding up your purchases to the nearest dollar and depositing the difference into an account. Some options include: Acorns: When you link a debit or credit card, Acorns automatically rounds up your purchase and deposits the spare change into a diversified investment portfolio. Chime®: With a Chime 1 <p class="">Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC. <br></p> account, you can elect to automatically deposit the roundup amount from your debit card purchases into a high-yield savings account. 2 <p class="">Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account. <br></p> Qapital: With Qapital , you can set your own roundup rules for automatically depositing funds toward one of your savings goals. How to save for the long haul Everything we've covered above will help you start whittling down your expenses little by little, freeing up money that you could squirrel away in a savings account. But setting yourself up for long-term savings success will require a little more foresight and planning. To put yourself in the best position for a financially secure future, consider the following steps: Work on your credit score. If you don't have a good credit score , it can cost you hundreds or thousands of dollars per year in interest, insurance premiums , and more. Maintaining excellent credit will help you save. Create an emergency fund. You should have at least three to six months' worth of living expenditures saved in an emergency fund . This will help you weather financial setbacks and job loss. Start a retirement account and pay into it each month. Financial experts recommend that you save 15% of your pre-tax salary per year, including employer contributions, in order to retire comfortably. Whether you have a 401(k) or an IRA, saving for retirement and making regular contributions could help you meet your long-term goals. Separate your savings. To avoid borrowing from your emergency fund when you want to treat yourself, set up a separate savings account for large planned purchases like vacations. Refinance your mortgage. Homeowners refinancing their current mortgage might get a lower interest rate or reduce their monthly payment. Bottom line Don't try to tackle all these savings strategies at once. Instead, use the tips for saving money that require the least effort and will have the greatest impact. Make a small change to your savings habits each week or a more significant change every month to work toward your financial goals. After a while, these new savings habits won't feel like extra work; they'll become a part of your lifestyle. But saving all that cash won't do you much good if you don't have somewhere to put it. The best savings accounts offer generous annual percentage yields of 4.0%+, earning you a little more on top of all that money you've put away. You May Also Like $0 annual fee Intro APR on purchases and balance transfers Apply Now INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. Redeem cash back for any amount. No annual fee. Get a 0% intro APR for 15 months on purchases. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness. Terms and conditions apply. 4.7 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products. Apply Now on Capital One's secure website Read Card Review Intro Offer Discover will match all the cash back you’ve earned at the end of your first year. Annual Fee $0 Subscribe Today Unlock the Best Banking Deals and Bonuses From high-yield savings accounts to cashback checking and sign-up bonuses, we bring you the best banking offers to grow your money smarter.
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Our professional fact-checkers verify article information against primary sources, reputable publishers, and experts in the field. ![close](https://cdn.financebuzz.com/static-assets/statics-27824/images/icons/close.svg) [![Google Logo](https://cdn.financebuzz.com/static-assets/statics-27824/images/google-logo.png) Add Us On Google](https://www.google.com/preferences/source?q=financebuzz.com) ![info](https://cdn.financebuzz.com/static-assets/statics-27824/images/icons/info.svg) Google Preferred Sources lets you customize your search results. By choosing to follow FinanceBuzz, you’re telling Google to prioritize content from a source you trust. ![close](https://cdn.financebuzz.com/static-assets/statics-27824/images/icons/close.svg) If you're looking for easy ways to lower your bills and pocket more of your income, you'll find a variety of clever ways to save money, establish healthy habits, and work toward your financial goals. Saving money doesn't mean sacrificing everything you enjoy, nor does it require you to spend hours clipping coupons. Small expenses add up fast, but the opposite is true as well. Finding areas to trim your budget, even by just a few dollars here and there, can lead to a lot of extra pocket change at the end of the month. ## The 8 best ways to save money ### 1\. Lower your utility bills Utility bills are a fact of life — you've got to keep the lights on, after all. But recurring expenses like utility bills are a great place to look for savings opportunities. Here are a couple: - Go paperless. Many utility companies offer you a discount for paying your bill online and receiving paperless statements. - Reduce your usage. According to the U.S. Department of Energy, you can save up to 10% on your energy bill each year if you turn back the thermostat seven to 10 degrees for at least eight hours each day. Be sure to adjust the temperature before you leave and wear appropriate clothing while indoors. - Keep the shades down. Consider purchasing blackout curtains and keeping the shades drawn when the sun is up. The more you insulate your home, the more you'll save on heating and cooling costs. - Schedule an energy audit. Before you make any major changes to your home, get an energy audit done to identify opportunities for improving efficiency. - Make energy efficiency improvements to your home. When your house is operating at peak energy efficiency, your utility bills will be lower. There are many energy-efficient home improvements that you could make without breaking the bank, including swapping out your lightbulbs for Energy Star bulbs, installing weatherstripping on your windows, and improving your home's insulation. Check out more ways to [save on your utilities](https://financebuzz.com/save-money-on-utilities). ### 2\. Lower your cell phone bill Carrying a cell phone is yet another (arguably unfortunate) necessity of modern living. But that doesn't mean you need to be paying top dollar or always have the newest model. - Shop around. Prices for service vary so be sure to compare monthly rates across providers for the service you need. - Opt for a group cell phone plan. Sharing a plan with your family, friends, or roommates can help you save on your monthly cell phone bill. - Be mindful of your data usage. Understand the data caps associated with your plan and be careful not to incur any [additional fees](https://financebuzz.com/sneaky-cell-phone-bill-fees). - Avoid upgrading. It can be tempting to snag the newest cell phone as soon as it hits the market, but you'll save money by sticking with your old phone for a couple more years. - Have a company negotiate for you. There are some companies that will negotiate your bills for you and take a cut of your savings. For example, the [Rocket Money](https://financebuzz.com/truebill-review) app saves users money by canceling unused subscriptions and negotiating rates with providers. Check out more ways to [lower your cell phone bill](https://financebuzz.com/lower-cell-phone-bill). ### 3\. Lower your insurance premiums Okay, at this point this is feeling like a list of necessary evils we really wish we didn't have to spend money on, but so it goes. You're better off having insurance than covering costs in full when catastrophe strikes, but insurance companies have a lot of incentive to attract and keep customers, so there are plenty of ways to save on premiums. - Compare auto and home insurance quotes. With so many options for insurance, it can be difficult to know whether you're getting the best deal. Use a marketplace, such as [QuoteWizard](https://financebuzz.com/quotewizard-review), to see personalized insurance rates side-by-side and snag the lowest offer. Smart Drivers, Smarter Savings Compare car insurance rates in your area See if lower rates are available ![Map zip icon](https://cdn.financebuzz.com/static-assets/statics-27824/svg/pin_black.svg) [Check Rates ![Arrow right icon](https://cdn.financebuzz.com/static-assets/statics-27824/svg/auto-insurance-funnel/white_arrow.svg)](https://r.financebuzz.com/aff_c?source=%2Fhow-to-save-money&offer_id=14873&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=585,contentblockversionid=,offerid=14873,adcampaignid=,contentblockposition=1,mlsortid=,sorteditemid=,ailistingid=,widgettype=zipcode-auto-funnel-entry,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=/how-to-save-money&contentblockid=585&contentblockversionid=&ml_sort_id=&sorted_item_id=&widget_type=zipcode-auto-funnel-entry&cms_offer_id=488&keywords=&ai_listing_id=&ai_listing_section_id=&la_os_version=&la_device_model=DESKTOP&url_id=) By clicking the button above, I understand and agree that this site uses site visit recording technology (provided by Trusted Form, Jornaya, and Microsoft Clarity) [Privacy Policy](https://financebuzz.com/privacy) - Assess (and consider reducing) your coverage. Do you still need the amount of insurance coverage you originally signed up for? Maybe you paid off your mortgage and don't need as much life insurance coverage, or you're not driving currently and don't need comprehensive car insurance coverage. Reassess your insurance needs annually and cut back accordingly. - Ask about special discounts. You may be able to get [discounts for safe driving](https://financebuzz.com/defensive-driving-discount) or save by [bundling your home and auto insurance](https://financebuzz.com/home-and-car-insurance-bundle) policies. Making a larger down payment or paying your premium in full could also qualify you for a discount. Always ask about all available discounts to see what you can get. - Practice preventative healthcare. Most insurance plans cover an annual primary care visit. Be sure to get a checkup and also see a doctor right away if a problem arises. This can save money on healthcare costs in the long run. - Quit smoking. Not only will you save a ton of money by not purchasing cigarettes, but you can also reduce your health insurance and life insurance premiums. Some insurers even [cover smoking cessation programs](https://www.lung.org/policy-advocacy/tobacco/cessation/tobacco-cessation-treatment-what-is-covered) if you need a little help kicking the habit. ### 4\. Save on your cable bill (or cut it completely) In the age of cord-cutting and far too many streaming platforms, do you really even need a cable subscription anymore? Regardless, you've got options for lowering this elective expense. - Cut the cord altogether. Eliminate expensive cable bills and take advantage of as many free or low-cost streaming services as possible. - Negotiate with your provider. Most cable service providers would rather extend your introductory rate than lose your business to another company. Call when your contract is almost up, and again annually, to see whether you can secure a lower rate. - Downsize. Choose a less expensive package with fewer channels or get rid of your DVR and use a streaming service instead. - Bundle. Some companies will let you bundle internet, cell phone service, and cable for one low price. Take advantage of these opportunities to save, but only if you'll use all of the services included. Check out other ways to [lower your cable bill](https://financebuzz.com/how-to-save-on-cable-bill). ### 5\. Cut down spending on groceries and essential items Everybody's got to eat, but with [grocery prices still rising](https://financebuzz.com/inflation-food-prices) on certain items, this necessary expense can really hit hard. But with a little discipline and planning, you can cut back on grocery spending. - Make a shopping list and stick to it. It's easy to get distracted by non-essential purchases and leave the store with a year's supply of cheese. Always make a list of the items you need based on the recipes you have planned and stick to it. Bring someone with you to keep you accountable so you don't fall for impulse buys. - Buy in bulk. Assuming you have the storage space, always buy the larger package of dry goods and cleaning supplies, and buy bulk fresh food you know you'll use as well. Before you do, though, calculate the per ounce cost to ensure it's a good deal. Typically, bulk purchases are cheaper, but not always. - Grow a garden. Herbs and spices can be expensive, but growing your own can be fun and save you money. If you have the space, consider starting a vegetable garden as well. - Drink tap water. Stop buying bottled water and opt for tap water and a Brita filter instead. The filters are much less expensive than the cost of buying water bottles regularly. - Use a rewards credit card. If you do a lot of your shopping at grocery stores, consider applying for one of the [best credit cards for groceries](https://financebuzz.com/best-credit-cards-for-buying-groceries). You can use your rewards for future travel, or redeem them for cash or gift cards. Consider these other ways to [spend less on groceries](https://financebuzz.com/spend-less-on-groceries). [Stop Overpaying When You Shop Online](https://r.financebuzz.com/aff_c?source=%2Fhow-to-save-money&offer_id=12911&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=,contentblockversionid=,offerid=12911,adcampaignid=,contentblockposition=,mlsortid=,sorteditemid=,ailistingid=,widgettype=offer_widget_review,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=/how-to-save-money&contentblockid=&contentblockversionid=&ml_sort_id=&sorted_item_id=&widget_type=offer_widget_review&cms_offer_id=302&keywords=&ai_listing_id=&ai_listing_section_id=&la_os_version=&la_device_model=DESKTOP&url_id=) [![Capital One Shopping](https://cdn.financebuzz.com/0x0/filters:quality$100$/images/2020/10/20/capital-one-shopping.png)](https://r.financebuzz.com/aff_c?source=%2Fhow-to-save-money&offer_id=12911&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=,contentblockversionid=,offerid=12911,adcampaignid=,contentblockposition=,mlsortid=,sorteditemid=,ailistingid=,widgettype=offer_widget_review,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=/how-to-save-money&contentblockid=&contentblockversionid=&ml_sort_id=&sorted_item_id=&widget_type=offer_widget_review&cms_offer_id=302&keywords=&ai_listing_id=&ai_listing_section_id=&la_os_version=&la_device_model=DESKTOP&url_id=) Capital One Shopping Benefits - Capital One Shopping searches thousands of merchants to see if you're getting a great deal - Don't miss out on a better price - Search and apply coupon codes automatically - Custom price drop alerts for products you've viewed or purchased [![Capital One Shopping](https://cdn.financebuzz.com/0x0/filters:quality$100$/images/2020/10/20/capital-one-shopping.png)](https://r.financebuzz.com/aff_c?source=%2Fhow-to-save-money&offer_id=12911&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=,contentblockversionid=,offerid=12911,adcampaignid=,contentblockposition=,mlsortid=,sorteditemid=,ailistingid=,widgettype=offer_widget_review,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=/how-to-save-money&contentblockid=&contentblockversionid=&ml_sort_id=&sorted_item_id=&widget_type=offer_widget_review&cms_offer_id=302&keywords=&ai_listing_id=&ai_listing_section_id=&la_os_version=&la_device_model=DESKTOP&url_id=) [Visit Capital One Shopping](https://r.financebuzz.com/aff_c?source=%2Fhow-to-save-money&offer_id=12911&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=,contentblockversionid=,offerid=12911,adcampaignid=,contentblockposition=,mlsortid=,sorteditemid=,ailistingid=,widgettype=offer_widget_review,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=/how-to-save-money&contentblockid=&contentblockversionid=&ml_sort_id=&sorted_item_id=&widget_type=offer_widget_review&cms_offer_id=302&keywords=&ai_listing_id=&ai_listing_section_id=&la_os_version=&la_device_model=DESKTOP&url_id=) ### 6\. Avoid accruing or lower credit card interest Ideally, you'll pay off your credit card statement every month and not have to worry about interest. But it's not always possible to do so. If you're in the position where you occasionally have to carry a balance, consider taking these steps to lower the interest you pay. - Set up automatic payments. Automatic payments help you avoid missed payments, late fees, and penalty APRs. Just make sure you have enough money in your account on the date you select for payment. - Negotiate a lower rate. If you make your payments on time and use your card responsibly, your credit card company may allow you to [negotiate for a lower interest rate](https://financebuzz.com/how-to-negotiate-lower-interest-rates). - Apply for a balance transfer card. The [best balance transfer cards](https://financebuzz.com/best-balance-transfer-credit-cards) offer a 0% introductory APR for 12+ months, so you can put more of your money toward debt payments and save on interest. - Apply for a personal loan. If you have good credit, you may be able to consolidate your credit card debt with a [personal loan](https://financebuzz.com/personal-loans-for-debt-consolidation). This works best when you can borrow enough to cover your credit card balances at a lower interest rate than what you're currently paying. Check out our picks for the [best personal loans](https://financebuzz.com/best-personal-loans). Again, it's best to [avoid paying interest](https://financebuzz.com/how-to-avoid-credit-card-interest) on your credit card at all. But if you can't, make sure you're getting as low of a rate as you can. ### 7\. Search for low-effort or passive ways to save Sometimes, doing a little goes a long way. Saving doesn't always have to be an exercise in self-denial. There are just a few easy ways you can cut down expenses and save money without having to think much about it. - Open a high-yield savings account. Most checking accounts don't pay interest, and if you have a large balance you're missing out on passive income you could be earning with a [high-yield savings account](https://financebuzz.com/what-is-high-yield-savings-account). - Cancel unused subscriptions. After all those free trials you signed up for, you're likely paying recurring charges on your credit card for services you don't even use. [Trim](https://financebuzz.com/save-money-with-trim) is an app that unsubscribes you from unused subscriptions (like Amazon Prime or other streaming services). It can also help you set up an automated savings plan. - Take advantage of free offers on your birthday. Give yourself a treat or three on your birthday without breaking your budget by taking advantage of [birthday freebies](https://financebuzz.com/birthday-freebies-mega-list) offered by hundreds of restaurants, retail stores, and entertainment outlets. ### 8\. Use roundup apps Roundup apps automatically save or invest money for you as you spend, rounding up your purchases to the nearest dollar and depositing the difference into an account. Some options include: - Acorns: When you link a debit or credit card, [Acorns](https://financebuzz.com/acorns-review) automatically rounds up your purchase and deposits the spare change into a diversified investment portfolio. - Chime®: With a [Chime](https://financebuzz.com/chime-bank-account-review)1 \<p class=""\>Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC.\ \<br\>\</p\> account, you can elect to automatically deposit the roundup amount from your debit card purchases into a high-yield savings account.2 \<p class=""\>Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.\ \<br\>\</p\> - Qapital: With [Qapital](https://financebuzz.com/qapital-review), you can set your own roundup rules for automatically depositing funds toward one of your savings goals. [Easily Invest With Your Spare Change](https://r.financebuzz.com/aff_c?source=%2Fhow-to-save-money&offer_id=12126&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=,contentblockversionid=,offerid=12126,adcampaignid=,contentblockposition=,mlsortid=,sorteditemid=,ailistingid=,widgettype=offer_widget_review,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=/how-to-save-money&contentblockid=&contentblockversionid=&ml_sort_id=&sorted_item_id=&widget_type=offer_widget_review&cms_offer_id=272&keywords=&ai_listing_id=&ai_listing_section_id=&la_os_version=&la_device_model=DESKTOP&url_id=) [![Acorns](https://cdn.financebuzz.com/0x0/filters:quality$100$/images/2024/01/25/2024_acorns_logo_-_transparent.png)](https://r.financebuzz.com/aff_c?source=%2Fhow-to-save-money&offer_id=12126&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=,contentblockversionid=,offerid=12126,adcampaignid=,contentblockposition=,mlsortid=,sorteditemid=,ailistingid=,widgettype=offer_widget_review,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=/how-to-save-money&contentblockid=&contentblockversionid=&ml_sort_id=&sorted_item_id=&widget_type=offer_widget_review&cms_offer_id=272&keywords=&ai_listing_id=&ai_listing_section_id=&la_os_version=&la_device_model=DESKTOP&url_id=) 4\.6 ![info](https://cdn.financebuzz.com/static-assets/statics-27824/images/icons/info.svg) FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings. ![close](https://cdn.financebuzz.com/static-assets/statics-27824/images/icons/close.svg) Acorns Benefits - Invest on autopilot in expert-recommended portfolios - No surprise fees; plans start at just \$3/mo - Ability to earn up to a 3.00% match on new contributions to your Acorns Later IRA - Bonus \$20 after your first investment [![Acorns](https://cdn.financebuzz.com/0x0/filters:quality$100$/images/2024/01/25/2024_acorns_logo_-_transparent.png)](https://r.financebuzz.com/aff_c?source=%2Fhow-to-save-money&offer_id=12126&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=,contentblockversionid=,offerid=12126,adcampaignid=,contentblockposition=,mlsortid=,sorteditemid=,ailistingid=,widgettype=offer_widget_review,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=/how-to-save-money&contentblockid=&contentblockversionid=&ml_sort_id=&sorted_item_id=&widget_type=offer_widget_review&cms_offer_id=272&keywords=&ai_listing_id=&ai_listing_section_id=&la_os_version=&la_device_model=DESKTOP&url_id=) 4\.6 ![info](https://cdn.financebuzz.com/static-assets/statics-27824/images/icons/info.svg) FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings. ![close](https://cdn.financebuzz.com/static-assets/statics-27824/images/icons/close.svg) [Visit Acorns](https://r.financebuzz.com/aff_c?source=%2Fhow-to-save-money&offer_id=12126&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=,contentblockversionid=,offerid=12126,adcampaignid=,contentblockposition=,mlsortid=,sorteditemid=,ailistingid=,widgettype=offer_widget_review,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=/how-to-save-money&contentblockid=&contentblockversionid=&ml_sort_id=&sorted_item_id=&widget_type=offer_widget_review&cms_offer_id=272&keywords=&ai_listing_id=&ai_listing_section_id=&la_os_version=&la_device_model=DESKTOP&url_id=) Paid Non-Client Promotion FinanceBuzz doesn’t invest its money with this provider, but they are our referral partner. We get paid by them only if you click to them from our website and take a qualifying action (for example, opening an account.) ![close](https://cdn.financebuzz.com/static-assets/statics-27824/images/icons/close.svg) ## How to save for the long haul Everything we've covered above will help you start whittling down your expenses little by little, freeing up money that you could squirrel away in a savings account. But setting yourself up for long-term savings success will require a little more foresight and planning. To put yourself in the best position for a financially secure future, consider the following steps: - Work on your credit score. If you don't have a [good credit score](https://financebuzz.com/what-is-a-good-credit-score), it can cost you hundreds or thousands of dollars per year in interest, [insurance premiums](https://financebuzz.com/insurance-credit-score), and more. Maintaining excellent credit will help you save. - Create an emergency fund. You should have at least three to six months' worth of living expenditures saved in an [emergency fund](https://financebuzz.com/what-is-an-emergency-fund). This will help you weather financial setbacks and job loss. - Start a retirement account and pay into it each month. Financial experts recommend that you save 15% of your pre-tax salary per year, including employer contributions, in order to retire comfortably. Whether you have a 401(k) or an IRA, [saving for retirement](https://financebuzz.com/how-to-save-for-retirement) and making regular contributions could help you meet your long-term goals. - Separate your savings. To avoid borrowing from your emergency fund when you want to treat yourself, set up a [separate savings account](https://financebuzz.com/reasons-opening-more-than-one-savings-account) for large planned purchases like vacations. - Refinance your mortgage. Homeowners [refinancing their current mortgage](https://financebuzz.com/how-does-refinancing-work) might get a lower interest rate or reduce their monthly payment. ## Bottom line Don't try to tackle all these savings strategies at once. Instead, use the tips for saving money that require the least effort and will have the greatest impact. Make a small change to your savings habits each week or a more significant change every month to work toward your financial goals. After a while, these [new savings habits](https://financebuzz.com/savings-habit) won't feel like extra work; they'll become a part of your lifestyle. But saving all that cash won't do you much good if you don't have somewhere to put it. The [best savings accounts](https://financebuzz.com/best-savings-accounts) offer generous annual percentage yields of 4.0%+, earning you a little more on top of all that money you've put away. You May Also Like [![](https://cdn.financebuzz.com/600x0/filters:quality$100$/images/2021/04/21/adobestock_192812280_1200x628.jpg)](https://financebuzz.com/supplement-income) [7 Ways To Get Money Without Getting A Second Job ![arrow right](https://cdn.financebuzz.com/static-assets/statics-27824/svg/arrow-right_purple.svg)](https://financebuzz.com/supplement-income) [Read More](https://financebuzz.com/supplement-income) [![](https://cdn.financebuzz.com/600x0/filters:quality$100$/images/2019/12/06/smart_strategies_to_save_money_on_car_insurance.jpg)](https://financebuzz.com/save-money-on-car-insurance) [How To Save Money on Car Insurance: 12 Ways to Lower Rates ![arrow right](https://cdn.financebuzz.com/static-assets/statics-27824/svg/arrow-right_purple.svg)](https://financebuzz.com/save-money-on-car-insurance) [Read More](https://financebuzz.com/save-money-on-car-insurance) [![](https://cdn.financebuzz.com/600x0/filters:quality$100$/images/2025/01/28/adobestock_628402894_1.jpeg)](https://financebuzz.com/money-moves-senior-benefits) [10 Things Seniors Born Between 1941-1969 Could Take Advantage Of ![arrow right](https://cdn.financebuzz.com/static-assets/statics-27824/svg/arrow-right_purple.svg)](https://financebuzz.com/money-moves-senior-benefits) [Read More](https://financebuzz.com/money-moves-senior-benefits) [![](https://cdn.financebuzz.com/600x0/filters:quality$100$/images/2024/09/04/adobestock_669069249_editorial_use_only_1.jpeg)](https://financebuzz.com/dumb-money-moves) [19 Dumbest Things Smart People Waste Money On ![arrow right](https://cdn.financebuzz.com/static-assets/statics-27824/svg/arrow-right_purple.svg)](https://financebuzz.com/dumb-money-moves) [Read More](https://financebuzz.com/dumb-money-moves) [![](https://cdn.financebuzz.com/600x0/filters:quality$100$/images/2020/03/02/tattoo-woman-bar.jpeg)](https://financebuzz.com/paycheck-moves-55mp) [7 Moves If You Want to Stop Living Paycheck to Paycheck ![arrow right](https://cdn.financebuzz.com/static-assets/statics-27824/svg/arrow-right_purple.svg)](https://financebuzz.com/paycheck-moves-55mp) [Read More](https://financebuzz.com/paycheck-moves-55mp) [![](https://cdn.financebuzz.com/600x0/filters:quality$100$/images/2020/12/21/smiling-couple-looking-at-laptop-screen.jpeg)](https://financebuzz.com/clever-debt-payoff-55mp) [7 Clever Ways to Crush Your Debt ![arrow right](https://cdn.financebuzz.com/static-assets/statics-27824/svg/arrow-right_purple.svg)](https://financebuzz.com/clever-debt-payoff-55mp) [Read More](https://financebuzz.com/clever-debt-payoff-55mp) Up To 5% Cash Back [Discover it® Cash Back](https://r.financebuzz.com/aff_c?source=%2Fhow-to-save-money&offer_id=24359&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=244,contentblockversionid=38970,offerid=24359,adcampaignid=,contentblockposition=2,mlsortid=,sorteditemid=,ailistingid=,widgettype=credit_card_our_pick_widget,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=/how-to-save-money&capital_one_id=&chase_id=&ml_sort_id=&sorted_item_id=&widget_type=credit_card_our_pick_widget&cms_cc_id=7&ai_listing_id=&ai_listing_section_id=&capital_one_traffic_id=&la_os_version=&la_device_model=DESKTOP&contentblockid=244&contentblockversionid=38970) Benefits Card Details - \$0 annual fee - Intro APR on purchases and balance transfers - [Apply Now](https://r.financebuzz.com/aff_c?source=%2Fhow-to-save-money&offer_id=24359&aff_id=1006&aff_sub=&aff_sub2=&aff_sub3=&aff_sub4=&aff_sub5=pageviewid=,contentblockid=244,contentblockversionid=38970,offerid=24359,adcampaignid=,contentblockposition=2,mlsortid=,sorteditemid=,ailistingid=,widgettype=credit_card_our_pick_widget,urlid=&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=/how-to-save-money&capital_one_id=&chase_id=&ml_sort_id=&sorted_item_id=&widget_type=credit_card_our_pick_widget&cms_cc_id=7&ai_listing_id=&ai_listing_section_id=&capital_one_traffic_id=&la_os_version=&la_device_model=DESKTOP&contentblockid=244&contentblockversionid=38970) - INTRO OFFER: Unlimited Cashback Match for all new cardmembers. 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Readable Markdown	If you're looking for easy ways to lower your bills and pocket more of your income, you'll find a variety of clever ways to save money, establish healthy habits, and work toward your financial goals. Saving money doesn't mean sacrificing everything you enjoy, nor does it require you to spend hours clipping coupons. Small expenses add up fast, but the opposite is true as well. Finding areas to trim your budget, even by just a few dollars here and there, can lead to a lot of extra pocket change at the end of the month. ## The 8 best ways to save money ### 1\. Lower your utility bills Utility bills are a fact of life — you've got to keep the lights on, after all. But recurring expenses like utility bills are a great place to look for savings opportunities. Here are a couple: - Go paperless. Many utility companies offer you a discount for paying your bill online and receiving paperless statements. - Reduce your usage. According to the U.S. Department of Energy, you can save up to 10% on your energy bill each year if you turn back the thermostat seven to 10 degrees for at least eight hours each day. Be sure to adjust the temperature before you leave and wear appropriate clothing while indoors. - Keep the shades down. Consider purchasing blackout curtains and keeping the shades drawn when the sun is up. The more you insulate your home, the more you'll save on heating and cooling costs. - Schedule an energy audit. Before you make any major changes to your home, get an energy audit done to identify opportunities for improving efficiency. - Make energy efficiency improvements to your home. When your house is operating at peak energy efficiency, your utility bills will be lower. There are many energy-efficient home improvements that you could make without breaking the bank, including swapping out your lightbulbs for Energy Star bulbs, installing weatherstripping on your windows, and improving your home's insulation. Check out more ways to [save on your utilities](https://financebuzz.com/save-money-on-utilities). ### 2\. Lower your cell phone bill Carrying a cell phone is yet another (arguably unfortunate) necessity of modern living. But that doesn't mean you need to be paying top dollar or always have the newest model. - Shop around. Prices for service vary so be sure to compare monthly rates across providers for the service you need. - Opt for a group cell phone plan. Sharing a plan with your family, friends, or roommates can help you save on your monthly cell phone bill. - Be mindful of your data usage. Understand the data caps associated with your plan and be careful not to incur any [additional fees](https://financebuzz.com/sneaky-cell-phone-bill-fees). - Avoid upgrading. It can be tempting to snag the newest cell phone as soon as it hits the market, but you'll save money by sticking with your old phone for a couple more years. - Have a company negotiate for you. There are some companies that will negotiate your bills for you and take a cut of your savings. For example, the [Rocket Money](https://financebuzz.com/truebill-review) app saves users money by canceling unused subscriptions and negotiating rates with providers. Check out more ways to [lower your cell phone bill](https://financebuzz.com/lower-cell-phone-bill). ### 3\. Lower your insurance premiums Okay, at this point this is feeling like a list of necessary evils we really wish we didn't have to spend money on, but so it goes. You're better off having insurance than covering costs in full when catastrophe strikes, but insurance companies have a lot of incentive to attract and keep customers, so there are plenty of ways to save on premiums. - Compare auto and home insurance quotes. With so many options for insurance, it can be difficult to know whether you're getting the best deal. Use a marketplace, such as [QuoteWizard](https://financebuzz.com/quotewizard-review), to see personalized insurance rates side-by-side and snag the lowest offer. - Assess (and consider reducing) your coverage. Do you still need the amount of insurance coverage you originally signed up for? Maybe you paid off your mortgage and don't need as much life insurance coverage, or you're not driving currently and don't need comprehensive car insurance coverage. Reassess your insurance needs annually and cut back accordingly. - Ask about special discounts. You may be able to get [discounts for safe driving](https://financebuzz.com/defensive-driving-discount) or save by [bundling your home and auto insurance](https://financebuzz.com/home-and-car-insurance-bundle) policies. Making a larger down payment or paying your premium in full could also qualify you for a discount. Always ask about all available discounts to see what you can get. - Practice preventative healthcare. Most insurance plans cover an annual primary care visit. Be sure to get a checkup and also see a doctor right away if a problem arises. This can save money on healthcare costs in the long run. - Quit smoking. Not only will you save a ton of money by not purchasing cigarettes, but you can also reduce your health insurance and life insurance premiums. Some insurers even [cover smoking cessation programs](https://www.lung.org/policy-advocacy/tobacco/cessation/tobacco-cessation-treatment-what-is-covered) if you need a little help kicking the habit. ### 4\. Save on your cable bill (or cut it completely) In the age of cord-cutting and far too many streaming platforms, do you really even need a cable subscription anymore? Regardless, you've got options for lowering this elective expense. - Cut the cord altogether. Eliminate expensive cable bills and take advantage of as many free or low-cost streaming services as possible. - Negotiate with your provider. Most cable service providers would rather extend your introductory rate than lose your business to another company. Call when your contract is almost up, and again annually, to see whether you can secure a lower rate. - Downsize. Choose a less expensive package with fewer channels or get rid of your DVR and use a streaming service instead. - Bundle. Some companies will let you bundle internet, cell phone service, and cable for one low price. Take advantage of these opportunities to save, but only if you'll use all of the services included. Check out other ways to [lower your cable bill](https://financebuzz.com/how-to-save-on-cable-bill). ### 5\. Cut down spending on groceries and essential items Everybody's got to eat, but with [grocery prices still rising](https://financebuzz.com/inflation-food-prices) on certain items, this necessary expense can really hit hard. But with a little discipline and planning, you can cut back on grocery spending. - Make a shopping list and stick to it. It's easy to get distracted by non-essential purchases and leave the store with a year's supply of cheese. Always make a list of the items you need based on the recipes you have planned and stick to it. Bring someone with you to keep you accountable so you don't fall for impulse buys. - Buy in bulk. Assuming you have the storage space, always buy the larger package of dry goods and cleaning supplies, and buy bulk fresh food you know you'll use as well. Before you do, though, calculate the per ounce cost to ensure it's a good deal. Typically, bulk purchases are cheaper, but not always. - Grow a garden. Herbs and spices can be expensive, but growing your own can be fun and save you money. If you have the space, consider starting a vegetable garden as well. - Drink tap water. Stop buying bottled water and opt for tap water and a Brita filter instead. The filters are much less expensive than the cost of buying water bottles regularly. - Use a rewards credit card. If you do a lot of your shopping at grocery stores, consider applying for one of the [best credit cards for groceries](https://financebuzz.com/best-credit-cards-for-buying-groceries). You can use your rewards for future travel, or redeem them for cash or gift cards. Consider these other ways to [spend less on groceries](https://financebuzz.com/spend-less-on-groceries). ### 6\. Avoid accruing or lower credit card interest Ideally, you'll pay off your credit card statement every month and not have to worry about interest. But it's not always possible to do so. If you're in the position where you occasionally have to carry a balance, consider taking these steps to lower the interest you pay. - Set up automatic payments. Automatic payments help you avoid missed payments, late fees, and penalty APRs. Just make sure you have enough money in your account on the date you select for payment. - Negotiate a lower rate. If you make your payments on time and use your card responsibly, your credit card company may allow you to [negotiate for a lower interest rate](https://financebuzz.com/how-to-negotiate-lower-interest-rates). - Apply for a balance transfer card. The [best balance transfer cards](https://financebuzz.com/best-balance-transfer-credit-cards) offer a 0% introductory APR for 12+ months, so you can put more of your money toward debt payments and save on interest. - Apply for a personal loan. If you have good credit, you may be able to consolidate your credit card debt with a [personal loan](https://financebuzz.com/personal-loans-for-debt-consolidation). This works best when you can borrow enough to cover your credit card balances at a lower interest rate than what you're currently paying. Check out our picks for the [best personal loans](https://financebuzz.com/best-personal-loans). Again, it's best to [avoid paying interest](https://financebuzz.com/how-to-avoid-credit-card-interest) on your credit card at all. But if you can't, make sure you're getting as low of a rate as you can. ### 7\. Search for low-effort or passive ways to save Sometimes, doing a little goes a long way. Saving doesn't always have to be an exercise in self-denial. There are just a few easy ways you can cut down expenses and save money without having to think much about it. - Open a high-yield savings account. Most checking accounts don't pay interest, and if you have a large balance you're missing out on passive income you could be earning with a [high-yield savings account](https://financebuzz.com/what-is-high-yield-savings-account). - Cancel unused subscriptions. After all those free trials you signed up for, you're likely paying recurring charges on your credit card for services you don't even use. [Trim](https://financebuzz.com/save-money-with-trim) is an app that unsubscribes you from unused subscriptions (like Amazon Prime or other streaming services). It can also help you set up an automated savings plan. - Take advantage of free offers on your birthday. Give yourself a treat or three on your birthday without breaking your budget by taking advantage of [birthday freebies](https://financebuzz.com/birthday-freebies-mega-list) offered by hundreds of restaurants, retail stores, and entertainment outlets. ### 8\. Use roundup apps Roundup apps automatically save or invest money for you as you spend, rounding up your purchases to the nearest dollar and depositing the difference into an account. Some options include: - Acorns: When you link a debit or credit card, [Acorns](https://financebuzz.com/acorns-review) automatically rounds up your purchase and deposits the spare change into a diversified investment portfolio. - Chime®: With a [Chime](https://financebuzz.com/chime-bank-account-review)1 \<p class=""\>Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC.\ \<br\>\</p\> account, you can elect to automatically deposit the roundup amount from your debit card purchases into a high-yield savings account.2 \<p class=""\>Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.\ \<br\>\</p\> - Qapital: With [Qapital](https://financebuzz.com/qapital-review), you can set your own roundup rules for automatically depositing funds toward one of your savings goals. ## How to save for the long haul Everything we've covered above will help you start whittling down your expenses little by little, freeing up money that you could squirrel away in a savings account. But setting yourself up for long-term savings success will require a little more foresight and planning. To put yourself in the best position for a financially secure future, consider the following steps: - Work on your credit score. If you don't have a [good credit score](https://financebuzz.com/what-is-a-good-credit-score), it can cost you hundreds or thousands of dollars per year in interest, [insurance premiums](https://financebuzz.com/insurance-credit-score), and more. Maintaining excellent credit will help you save. - Create an emergency fund. You should have at least three to six months' worth of living expenditures saved in an [emergency fund](https://financebuzz.com/what-is-an-emergency-fund). This will help you weather financial setbacks and job loss. - Start a retirement account and pay into it each month. Financial experts recommend that you save 15% of your pre-tax salary per year, including employer contributions, in order to retire comfortably. Whether you have a 401(k) or an IRA, [saving for retirement](https://financebuzz.com/how-to-save-for-retirement) and making regular contributions could help you meet your long-term goals. - Separate your savings. To avoid borrowing from your emergency fund when you want to treat yourself, set up a [separate savings account](https://financebuzz.com/reasons-opening-more-than-one-savings-account) for large planned purchases like vacations. - Refinance your mortgage. Homeowners [refinancing their current mortgage](https://financebuzz.com/how-does-refinancing-work) might get a lower interest rate or reduce their monthly payment. ## Bottom line Don't try to tackle all these savings strategies at once. Instead, use the tips for saving money that require the least effort and will have the greatest impact. Make a small change to your savings habits each week or a more significant change every month to work toward your financial goals. After a while, these [new savings habits](https://financebuzz.com/savings-habit) won't feel like extra work; they'll become a part of your lifestyle. But saving all that cash won't do you much good if you don't have somewhere to put it. The [best savings accounts](https://financebuzz.com/best-savings-accounts) offer generous annual percentage yields of 4.0%+, earning you a little more on top of all that money you've put away. 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