🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 59 (from laksa079)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa059.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://www.cheapism.com/100-best-money-saving-tips/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.cheapism.com/100-best-money-saving-tips/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.cheapism.com\/100-best-money-saving-tips\/","crawl_time":1775839050,"first_indexed_time":1756427185,"http_code":200,"src_unparsed":"com,cheapism!www,\/100-best-money-saving-tips\/ s443","src_root_hash":"1204269218676439459","history_drop_reason":null,"meta_title":"100 Ways to Save More Money","meta_descriptions":["This ultimate roundup of money-saving, reward-earning, and frugal-living tips from Cheapism can help consumers save money any time of year."],"attrs_boilerpipe_text":"There are a lot of ways to waste money, and the pandemic hasn’t made anything any easier. But fortunately, there are also a lot of ways to save. From\nlowering your utility costs\n to coupon sites, this roundup of 100 money-saving, reward-earning, and frugal-living tips will help you stay ahead of the game financially. Keep it handy by bookmarking it in your favorite browser and on your smartphone.\nRelated:\nHousehold Products That Are a Complete Waste of Money\nCut the Cord\nKaspars Grinvalds\/shutterstock\nConsumers can save by joining the cord-cutting revolution and opting for a streaming stick from Roku, Google, or Amazon, or a set-top box such as Apple TV. Even subscribing to more than one streaming service, monthly entertainment\ncosts can dip dramatically\n without a cable subscription, and there is still plenty to watch.\nRelated:\nAwesome Gifts for Couch Potatoes and TV Lovers\nDress Up for Less\npixelfit\/istockphoto\nWant the outfit worn by a celebrity? It may be possible to find\na similar look for a lot less\nat a low-price apparel chain such as Old Navy — or get the very same look short term at a site such as Rent the Runway.\nInsist on No-Fee Banking\nViktoriiaNovokhatska\/istockphoto\nSwitch to a bank with fee-free checking and ATM use or fee reimbursement — often available from smaller local banks or\ncredit unions\n. These institutions also typically offer checking accounts with no minimums and\nlower fees than large banks\n. Explore online services from Charles Schwab, Ally Bank, or USAA Bank (for members and relatives of military members and veterans).\nSpend Less to See Movies\npatrickheagney\/istockphoto\nMovie-going is an iffy proposition these days, but when cinemas reopen in full you’ll want to think about saving money by buying tickets in bulk at warehouse clubs or straight from theater chains, attending matinees, going on discount days, and avoiding the overpriced snack bar. \nDine Where Kids Eat Free\nAlinute Silzeviciute\/shutterstock\nAt least five days of the week (generally not Friday and Saturday) there’s a restaurant chain that lets\nkids eat for free\nafter the purchase of an adult entree. Clearly the pandemic has wreaked havoc on the restaurant industry with\nmany chains closing locations\n, but many still have kids-eat-free offers and other\nfamily friendly deals\n.\nRelated:\nThe Best Value Meal Deals at Chains Across the Country\nDrop Unused Memberships\nSerghei Starus\/shutterstock\nCheck monthly bills and think twice about memberships that aren’t used often. Whether it’s a subscription box with products that aren’t often to your liking or an infrequently visited gym (which may still be a good place to avoid these days), if the service isn’t providing value, stop paying for it.\nFor more great money-saving tips,\nplease sign up for our free newsletters\n.\nFind Free Fun\nMaridav\/shutterstock\nCut your entertainment budget: Spend a day outdoors hiking along one of the many\nbeautiful trails this country has to offer\n. If it’s cold, check out\nbookstores so cool that visiting is worth it\neven without a purchase.\nPay Off Credit Cards\njason cox\/shutterstock\nIt’s a myth that keeping a small balance on a credit card\nimproves credit scores\n. On the contrary: Paying off balances can help cardholders boost their scores — and save money by avoiding interest payments.\nSign up for our newsletter\nSubscribe to Cheapism and get exclusive tips, top deals, and money-saving ideas sent directly to you.\nTake Advantage of Libraries\nkali9\/istockphoto\nLibraries do more than offer free books; they rent movies and ebooks inexpensively and host classes of all sorts, among other services.\nLibraries are also accommodating workspaces\n— they’re quiet and there’s no need to buy coffee or a snack every few hours.\nSeek Out Offbeat Attractions\nSeek Out Offbeat Attractions by\nRichie Diesterheft (\n(CC BY))\nLooking for an cheap or free vacation thrill? There’s something\nunexpected or off the beaten path in every state\n, from an inn shaped like a giant beagle to the famed Cadillac Ranch in Texas.\nRelated: \n50 Picturesque Road Trips for Safer Travel During the Pandemic\nAsk About Senior Discounts\nmonkeybusinessimages\/istockphoto\nThe age for senior discounts may be as young as 50\nat restaurants, grocery stores, and clothing retailers\n. With deals ranging from 5% to 50% off, make sure to ask.\nDon’t Write Off Boutique Hotels, Airbnb, or Vrbo\nvalentinrussanov\/istockphoto\nWhen travel hits full stride again post-pandemic, travelers looking for an alternative to a generic room in a large hotel chain property can opt for an inexpensive boutique hotel. There are options across the country worth considering, and rates can be as low as $50 a night. Airbnb and Vrbo sites can also provide unique experiences, whether you want an\nAirstream trailer\n, \nwinter cabin\n  or a\nHobbit hole\n. \nBook Slightly Outside of Town\nundefined undefined\/istockphoto\nHotels are often cheaper farther from the city center or from major attractions. This isn’t always true at holiday times, though. That’s when business travel is at a lull, and rates may fall in a city’s financial district. Also, be sure to keep an eye peeled for\nhotel freebies\n, such as snacks and entertainment.\nAvoid Baggage Fees\nSDI Productions\/istockphoto\nEven if flying isn’t on your immediate agenda, you’ll want to remember that many airlines charge for checked bags. But there are\nways to fit everything into a carry-on\nand otherwise\neliminate or reduce airline baggage fees\n. Watch out for budget airlines that collect fees even for carry-ons and fare classes, such as one one on\nUnited\n, that also limits free baggage to one personal item.\nTry a Home Juicer\nsimpson33\/istockphoto\nInstead of buying bottled juices or doing a pricey, prepackaged cleanse, use a home juicer. The time commitment and cleanup are not for everyone, so\nstart with a cheap juicer\nand upgrade if juicing turns into an ongoing thing.\nLearn Price Code Secrets\nAnan Kaewkhammul\/shutterstock\nMany retailers use price codes (for example, a price that ends in .97) on tags to indicate whether an item is a final markdown or may be discounted further.\nNegotiate\nSyda Productions\/shutterstock\nNegotiating makes sense more often than you might expect. With market information in hand, go straight to the manager at a rental car agency or hotel and try to wrangle a deal. No luck lowering the price? Try getting more value with an upgrade or fee waiver.\nInstall a Programmable Thermostat\nSteve Cukrov\/shutterstock\nSmart thermostats\ncan be real money savers\n— they learn residents’ preferences and can be controlled from afar — but even a\ncheap programmable thermostat\nset at a reasonable temperature can save $180 a year on average, according to the federal government’s Energy Star program.\nSell Clothes\nurbazon\/istockphoto\nEarn extra cash by\nselling unwanted clothing\non websites such as Poshmark, Vinted, ThredUp, or The RealReal.\nRent and Swap Toys\nSpeedKingz\/shutterstock\nDon’t waste money on toys that children will cast aside after a few months. Instead, consider toy swaps with local parents.\nRelated: \nWays Parents Waste Money on Kids\nDon’t Go Overboard for Savings\nCarolyn Franks\/shutterstock\nBeing\ntoo cheap\nmay not be financially wise. Don’t blindly choose the\nleast expensive item when it’s low-quality\n, for instance. And make sure extreme couponing or a long drive to find the cheapest gas isn’t wasting more time than it’s worth.\nBuy Generic Food and Drugs\nShane Maritch\/shutterstock\nDoctors tend to buy generic versions of\ncommon medications\n, and chefs buy store-brand baking supplies such as brown sugar. Private labels and generics usually\ncost less for the same quality\n.\nRelated:\nHow Seniors Can Save on Health Care\nShop for a Diamond Online\nsumire8\/shutterstock\nLooking for a diamond ring for a holiday engagement? Get a good price by shopping online and knowing the five C’s: clarity, color, cut, carat, and certification. Don’t compromise on cut, which makes a diamond sparkle, but a low clarity or color grade is harder to notice and can make a large stone more affordable. Also consider alternative synthetic diamonds or alternative gemstones.\nUse Veterans’ Discounts\nSDI Productions\/istockphoto\nVeterans can take advantage of a slew of\ndiscounts and benefits year-round\n. Lowe’s, for example, offers 10% off to active and retired military and those receiving Veterans Affairs benefits.\nSeek Alternative Phone Service\nmonkeybusinessimages\/istockphoto\nEscape the contract and switch to an ultra-cheap phone provider such as FreedomPop or Republic Wireless. They use the same towers as some of the big telecom companies but charge consumers just a fraction of the price.\nTest Out of College Classes\nsmolaw11\/istockphoto\nYes, it’s possible to earn a bachelor’s degree for less by testing out of required classes at an accredited college. This path requires a lot of self-discipline but can save tens of thousands of dollars.\nDo Disney on a Budget\nDisney World Magic Kingdom by\nRstoplabe14 (\n(CC BY-SA))\nA trip to see Mickey and the gang may be just a wish upon a star in the near term because of pandemic closures and restrictions, but a visit to the Disney theme parks can be a costly affair. Regular tickets to Disney World are\nmore than $100\nfor ages 10 and up, but there are ways to\nsave on a Disney trip\n. One of the best strategies: Bring food, drinks, and even Disney memorabilia bought somewhere besides the overpriced gift shops (tell the kids a favorite character stopped by the hotel to leave them a souvenir). Disney World now allows outside food, and Disney cruises permit up to two bottles of wine or six beers in a carry-on.\nMonitor Credit\ntolgart\/istockphoto\nDetect fraud early by monitoring credit reports and\nchecking credit scores for free\nusing a site such as Credit Sesame or Bankrate. Some credit cards now come with a free credit score.\nGet Cash Back\nkupicoo\/istockphoto\nCash-back shopping sites such as Rakuten and Mr. Rebates let consumers earn a percentage of their money back when shopping online. Many rewards credit cards offer a similar perk for online and offline purchases.\nMaintain Low Credit Card Balances\nChrisShirley\/istockphoto\nFor a high credit score, don’t spend a large part of each card’s available credit limit. The utilization rate — the percentage of a credit limit that’s being used — is an important credit-scoring factor, and lower is better in the eyes of credit scoring agencies.\nDon’t Let Credit Card Debt Linger\nvalentinrussanov\/istockphoto\nConsumers who have good credit scores but have trouble paying off credit card debt can move the debt to a card that charges zero interest on transferred balances during a promotional period. Some, but not all, such cards charge a one-time fee equal to a percentage of the amount transferred. Another option: Take out a personal loan with a lower interest rate than the credit cards and use it to pay down the debt.\nFind Promo Codes\nAndreyPopov\/istockphoto\nNetting a discount can be as easy as typing the retailer’s name and “coupon codes” into a search engine. Consumers can also check sites such as RetailMeNot, DealNews, and Brad’s Deals for coupon codes before checking out online.\nGo Gift Card Shopping\nScope Out Free Gift Card Deals In Store by\nMike Mozart (\n(CC BY))\nGift Card Granny\nshows where to buy gift cards online for less than face value — and who says a gift card has to be a gift? Shop at a discount by paying with gift cards at big-name retailers.\nTrack Price Drops\nBoriboon Chutikaseam\/shutterstock\nSavings need not stop after clicking “buy.” Several price-tracking services alert shoppers to after-the-fact price drops so shoppers can ask for a refund of the difference — or get one automatically (minus a cut for the service). Paribus and Rakuten monitor select retailers, including Amazon, through users’ email accounts. Several credit card issuers offer a similar service for free.\nInvest in Energy-Efficient Upgrades\nPornpak Khunatorn\/istockphoto\nUpgrade a home and reduce utility costs with energy-efficient light bulbs and appliances. The initial investment will pay for itself over time and the planet will benefit. It’s one of many ways to\nreduce utility costs\nduring the winter.\nSteer Clear of Hotel Minibars\nVereshchagin Dmitry\/shutterstock\nIt’s not as simple as refraining from eating or drinking anything. Some hotel minibars have a built-in sensor that may be triggered by merely moving items. Look over the bill before checking out to make sure there aren’t any accidental charges. \nReject Unnecessary Purchases\nkazoka\/shutterstock\nAvoid buying things that probably will not be used more than once, such as formalwear (rent instead), specialty kitchen appliances (which lose their novelty quickly), and power tools (rent from home improvement stores or borrow from local sources).\nPut Credit Card Perks to Work\nalice-photo\/shutterstock\nMany credit cards offer extended warranties, full refunds if items are damaged or stolen up to 90 days after purchase, zero liability for fraudulent charges, and\nrewards programs that earn the cardholder money back\non every purchase. Look at what’s included before buying additional coverage.\nBe a Cheap Date\nwavebreakmedia\/shutterstock\nLooking for\ninexpensive date ideas\n? Instead of dinner and a movie, try wine tasting, volunteering, going to an arcade, or checking out a local tourist attraction that’s often overlooked by residents.\nDon’t Rent a Modem or Router\nKostsov\/shutterstock\nBuy a wireless router or modem rather than renting one from an internet service provider. The purchase often pays for itself in less than a year.\nEscape Foreign Transaction Fees\ndean bertoncelj\/shutterstock\nGet a credit card that does not charge extra for foreign transactions. This can\ncome in handy when international travel returns to normal\nor when making purchases in a foreign currency while at home.\nMake Razors Last\nAsier Romero\/shutterstock\nSave money on razors by drying the blades after each use and storing them in a dry space. This simple step can prolong the life of a razor blade by months. For more savings, consider switching to a service that delivers inexpensive blades.\nBuy in Bulk for School Lunches\nmandritoiu\/shutterstock\nSave on school lunches by buying ingredients in bulk and packing in reusable containers, instead of buying single-serving packages.\nRelated:\nSuper Easy School Lunches\nEnjoy Free Samples\nAmazon\nInfluenster and BzzAgent\nsend free samples\n, and sometimes free full-size products, to consumers who write short reviews or tell friends about the products.\nAdopt the Right Pet\nhedgehog94\/istockphoto\nConsidering a new pet? Experts say purebred cats and dogs are most prone to illness — and the accompanying vet bills. In general, the\nleast expensive animals\nto care for are small, female mixed breeds that have been spayed.\nRelated:\nDogs That Don’t Shed\nClean With Microfiber Cloths\nhumonia\/istockphoto\nMicrofiber cleaning cloths generally cost more than standard cotton towels, but even the priciest options pay for themselves over time when factoring in durability and savings on cleaning products.\nHave a Taco (or Two)\nBen Wehrman\/istockphoto\nNo matter the day of the week, tacos are a delicious and inexpensive food. There are iconic taco shops (or trucks) across the country that are worth checking out.\nSave With Apps\nLDprod\/shutterstock\nUse mobile apps to help save money while shopping for groceries, clothing, and everything else. Try RetailMeNot, Ibotta, Checkout 51, Grocery Smarts, SmartSource, and the Coupons app.\nMake Clothes Last\nPeopleImages\/istockphoto\nTo prolong the life of clothing, wash clothes in cold water, don’t use wire hangers, set the dryer on low, or hang dry washables.\nRelated:\nHow to Go as Long as Possible Without Doing Laundry\nDIY Yardwork\nElenathewise\/istockphoto\nInstead of\nfarming out your yardwork\nto a lawn service, so to speak, dig in and take care of it yourself. Lawn services can charge $35 or more for an average size yard.\nPlant a Garden\nshapecharge\/istockphoto\nTake the DIY yardwork a step further by planting a garden that can provide cheap, homegrown fruits and vegetables.\nInitial expenses are minimal,\nand if you end up with more produce than you can use, you can\nfreeze it for later\n.\nUnplug\nslobo\/istockphoto\nUnplugging DVR cable boxes, computers, and other appliances when they’re not in use could knock $200 a year off the electric bill, according to the National Renewable Energy Laboratory, but ending “vampire drain” is only one of many ways to save on energy costs.\nKeep the Wedding Simple\nAndrii Oleksiienko\/shutterstock\nLarge floral centerpieces, paying for an open bar, and extravagant extras such as an ice sculpture can add up quickly. Consider a\nsimple wedding\nand put the savings toward a goal such as buying a home or paying down debts. \nRelated:\nThings You Won’t See at Weddings in the Coronavirus Era\nBook Travel Directly\nmartin-dm\/istockphoto\nBooking directly with travel providers can yield savings and extra perks, such as free Wi-Fi, fewer hidden fees, and more flexibility.\nSome Things Are Worth a Little More\nKzenon\/shutterstock\nDon’t go rock-bottom-cheap on these household items: skillets, knives, storage containers, furniture, and vacuums. Stepping up a bit in price is worthwhile to net\ngoods that will last\nand save money in the long run.\nTake Volunteer Vacations\nwavebreakmedia\/shutterstock\nHere’s another travel alternative to consider when pandemic restrictions ease. For a way to see the world and also give back, consider a\nvolunteer vacation\n. The experience can be personally rewarding and much less expensive than a resort.\nShop At Stores With Generous Return Policies\nMichael Gordon\/shutterstock\nTake the stress out of shopping and guarantee a purchase will be appreciated by going to stores with good,\nconsumer-friendly return policies\n. Nordstrom is a longtime favorite, and there are several other stores with similar approaches,\nincluding Costco\n.\nTake Alternative Transportation\nLucky Business\/shutterstock\nElectric bikes and scooters offer inexpensive and relatively sweat-free alternatives to a car for consumers eager to cut transportation costs.\nRelated:\nBest Cities for Living Without a Car\nSend Inexpensive Flowers\nHong Vo\/shutterstock\nChrysanthemums, carnations, and alstroemerias (Peruvian lilies) cost less than roses and last longer. No matter the type of flowers, call a local florist near the recipient instead of ordering online. The florist may offer savings or prepare a better bouquet for the same price.\nReject Weight-Loss Gimmicks\nVadym Petrochenko\/istockphoto\nSome weight-loss methods are too good to be true. Avoid paying for creams, seven-minute workouts, shakes, pills, and fad diets that do not address the needs of the body as a whole. Choose a plan that emphasizes healthy eating and exercise over a quick fix. The instilled habits are more valuable in the long run.\nTry Name-Your-Price Shopping\nUberImages\/istockphoto\nPriceline, Hotwire, and other travel sites aren’t the only ones that let consumers name the price they want to pay. Greentoe has a similar setup for photography equipment, home theater items, appliances, and more.\nBuy Secondhand\nMatej Kastelic\/shutterstock\nGarage sales, thrift stores, and\nflea markets\nare brimming with gently used items that may be your next big treasure.\nBooks, sporting goods, and kids’ clothes\ncan be had at rock-bottom prices.\nRefinance Private Student Loans\nProstock-Studio\/istockphoto\nBorrowers whose financial situation has improved since graduation may want to look into refinancing their private student loans to potentially lower interest rates. Lenders look beyond credit scores to the borrower’s income, job, education level, degree, and other financial obligations.\nReevaluate Federal Student Loans\ndesigner491\/shutterstock\nRefinancing federal student loans can lead to lower interest rates, which can save borrowers money. Be aware, though: After refinancing with a private lender, borrowers are not eligible for federal payment plans based on income or forgiveness programs.\nLower Auto Insurance Costs\nzimmytws\/istockphoto\nThere are many ways to get discounts on auto insurance policies: Take a defensive driving class, install an anti-theft device, or use the same company for several types of insurance, for instance.\nGet Teen Discounts on Auto Insurance\nMarioGuti\/istockphoto\nYoung drivers often must\npay more for auto insurance\n, but some providers offer discounts to teens who maintain good grades or take driving courses or online classes.\nBuy Renters Insurance\nMilaspage\/istockphoto\nRenters may benefit from an insurance policy even if they don’t have many possessions. Renters insurance could cover theft of personal property even if it occurs outside the home, and liability protection in the event someone is injured and sues. Buying a fire extinguisher or paying premiums for a full year all at once usually generates a discount.\nAsk About Student Discounts\nauremar\/shutterstock\nStudents are often on a shoestring budget, but there are plenty of savings opportunities. Some clothing stores, including Madewell, ASOS, and Topshop, offer a 10% to 15% student discount. Restaurants, grocery stores, movie theaters, gyms, and technology companies also offer discounts for students.\nPay Higher Deductibles\nKameleon007\/istockphoto\nTo decrease premiums on your insurance, raise the deductible (the amount the policyholder must pay before the insurance company starts to cover costs).\nThink Twice Before Filing Insurance Claims\nTidarat Tiemjai\/shutterstock\nWhen the cost to replace possessions or fix a vehicle is less than an insurance deductible, it may make sense not to make a claim. The policyholder has to pay for the damages out-of-pocket either way, and reporting the incident may result in higher premiums.\nTake Care With a Car\nPhotographee.eu\/shutterstock\nMost people know a new car’s value drops as soon as it’s driven off the lot. Help maintain the value by taking the car in for regular checkups, waxing the exterior, and avoiding eating or drinking inside.\nUse a Standing Desk for Less\nAmazon\nStanding desks can encourage workers to be less sedentary and offer a nice change from sitting in front of a computer all day. Retail prices can reach into the thousands, but there are cheaper alternatives, including a wall-mounted shelf or stacking books or boxes to raise the height of a laptop or monitor. Keep feet relaxed by standing on a folded yoga mat or anti-fatigue mat.\nAdapt to Age Well\nRawpixel\/istockphoto\nSome basic lifestyle changes can help maintain or improve health as you age. Work in 30 minutes of physical activity a day, get plenty of sleep, and try to minimize sugar intake.\nConsider Refinancing Your Mortgage\nalexskopje\/shutterstock\nRefinancing a mortgage could lead to significant savings. Shop around to\nget quotes from different lenders\nand consider different loan terms.\nGet Last-Minute Tax Savings\nSakarin Sawasdinaka\/shutterstock\nGet a\ntax deduction for the current year\nby contributing to an Individual Retirement Arrangement right up to the tax-filing deadline in the coming year. The IRA contribution limit for 2020 and 2021 is $6,000 ($7,000 for taxpayers 50 and older).\nPrice Match\nTwin Design\/shutterstock\nSome major retailers, including Walmart, Target, Staples, and Best Buy price match Amazon. There are many exclusions to watch out for, but checking prices with a smartphone before making an in-store impulse buy can yield savings.\nTouch Up a Bathroom Instead of Tearing It Out\nforestpath\/shutterstock\nSave on a DIY bathroom remodel by keeping the basic layout the same and making other improvements: installing a new vanity countertop, painting the walls, putting up a new mirror, and regrouting the floor and other tile.\nDeduct Mileage\nKekyalyaynen\/shutterstock\nThe IRS has yet to announce the rate for 2022, but small-business owners who record the miles they drive for work could take a deduction of 56 cents a mile in 2021 — a decrease of 1.5 cents from the year before. The rate stayed the same for taxpayers who don’t own a business but drove for charitable purposes, or to and from a volunteer event:  14 cents a mile. For moving or medical purposes, the rate is 16 cents per mile in 2021, down a penny from a year earlier.\nTrack Prices\nTecha Tungateja\/istockphoto\nSites such as CamelCamelCamel and PriceSpider monitor the price of goods at stores such as Amazon, Best Buy, and Newegg so shoppers can pounce when the price drops.\nBe Careful Hiring a Contractor\nskynesher\/istockphoto\nBefore hiring a contractor, figure out if someone with specialized training is needed and get recommendations from friends and family. Set a budget and ask contractors for an itemized task and quote list. To be safe, budget for cost overruns up to 20% of the initial quote.\nImprove Curb Appeal for Less\nljubaphoto\/istockphoto\nPreparing a home for\npotential buyers\nor visiting relatives doesn’t have to involve expensive improvements: Clearing the driveway and walkways, cleaning the windows to let in natural light, and decorating the front with all-season plants may be the most important steps.\nCompare Moving Expenses\nAndreyPopov\/istockphoto\nThe cost of shipping may be less than renting a truck for a long-haul move for people without large furniture.\nBefore packing up and moving\n, compare quotes from local moving companies against shipping costs.\nPractice Preventive Care\nBranislav Nenin\/shutterstock\nEmergency room visits can cost thousands — or tens of thousands of dollars. Taking \npreventive health measures\n such as getting regular checkups or screenings, and practicing safe sex could reduce the chances of running into health problems.\nIgnore Pricey Workout Clothes\nJuanmonino\/istockphoto\nLululemon and Athleta may be in vogue, but frugal fitness buffs can turn to plenty of places for deals on workout clothes. Check out websites such as The Clymb, ClothingUnder10, and Steep & Cheap, or inexpensive retailers such as Old Navy.\nTry Some Simple Kitchen Hacks\nHelen’s Photos\/shutterstock\nA few simple kitchen hackscan save money and time. To cite just a couple: Wrap banana stems in plastic to keep them fresh longer (keeping the plastic wrap chilled to make it easier to separate and tear) and put marshmallows in brown sugar to keep it soft.\nPeruse Blemished Produce\nTassii\/istockphoto\nGrocery stores often have a section where bruised and overripe produce is\nsold at clearance prices\n. These fruits and vegetables work just fine in sauces, pie fillings, stews, and smoothies. Consider signing up for an “ugly produce” delivery service such as \nImperfect Foods\n or\nMisfits Market \nif it’s cost effective and delivers in your area.  \nBe a Smart Souvenir Shopper\nBrent Hofacker\/shutterstock\nWhen taking a trip or traveling to a new state, look for representative souvenirs that are small, lightweight, and inexpensive. Macadamia nuts or Kona coffee from Hawaii, saltwater taffy from the New Jersey shore, or an album from one of Nashville’s well-known record shops are examples.\nGet Hotel Rewards\nKzenon\/shutterstock\nEven infrequent travelers can save money by enrolling in hotel loyalty programs. Basic membership comes with late checkout and complimentary newspapers at some chains.\nConsider a Credit Union\nsimonkr\/istockphoto\nCredit unions\nare nonprofits owned cooperatively by members (people with an account at the credit union). They offer many of the same services as banks but give more savings and profits to members. Fees and interest rates may be lower on credit cards and loans, and checking and savings accounts may pay higher interest compared with other financial services firms.\nShare and Save\nPhotographee.eu\/shutterstock\nFamilies, friends, and neighbors can share all sorts of things to save money. Power tools, lawn mowers, and luggage are just the start. Look for ongoing savings by sharing phone plans or streaming video subscriptions, too.\nDon’t Fall Victim to Nuisance Debt\nAndrey_Popov\/shutterstock\nSmall debts can have a large effect on a credit score if they go unpaid and get passed on to a collections agency. Newer credit scoring models ignore debts of less than $100, but not all lenders use the latest models.\nLeave the Kids Home When You Shop\ngilaxia\/istockphoto\nChildren are fountains of endless desires, and stores understand this, often positioning kid-targeted merchandise right where youngsters will see it. So outsmart the masters of marketing and keep the kids out of the equation. Maybe even offer to trade babysitting time with other parents to do so.   \nDo Your Own Car Maintenance\nWaranya Sawasdee\/istockphoto\nSome car repairs, such as an oil change or brake pad replacement, are relatively easy DIY chores. Other fixes generally require a trained mechanic and could be costly. If a problem arises after the warranty has expired, it may be possible to save money by contacting the manufacturer for “goodwill assistance.”\nFight the Temptation to Eat Out\nmatt6t6\/istockphoto\nKeep food costs down by buying in bulk, using a slow cooker,\neating at home\n, and saving leftovers for another meal. Keep small snacks in the car or at work to avoid the urge to go to restaurants.\nKeep the Grocery Budget Low\nwavebreakmedia\/shutterstock\nTo\nkeep from overspending at the grocery store\n, eat before going shopping, make a list, and use only a set amount of cash to buy food. (Splurge once in a while to keep things interesting.)\nBuy a Mattress Online\nHispanolistic\/istockphoto\nMany sound sleepers advocate\nbuying a mattress online\n. Shops such as Casper, Leesa, and Tuft & Needle sell high-quality foam mattresses starting around $500. Search for discounts and coupon codes for further savings. There are also inexpensive options on Amazon, but they don’t offer the same warranties or trial period.\nImprove Gas Mileage\ndusanpetkovic\/istockphoto\nStart tracking your vehicle’s gas mileage, and focus on ways to improve it. Some simple tips include maintaining proper tire pressure, checking the tire alignment, and accelerating slowly.\nShop Costco Without a Membership\na katz\/shutterstock\nCostco doesn’t require a membership for every purchase. Anyone can eat at the food court or get a flu shot. In some states, nonmembers can buy alcohol, as well.\nKeep Vet Bills Low\nVGstockstudio\/shutterstock\nTo save money on pet care, shop around before choosing a vet. Look for discount packages and focus on preventive care. Regular exercise and a proper diet of high-quality food are keys to keeping pets healthy.\nGet a Side Gig\ncomodigit\/shutterstock\nCutting back can help only so much, and there are lots of ways\nto make money on the side\n. Become a mystery shopper, tutor, organize or clean homes, babysit, or drive people using a ride-share app.","attrs_markdown":"- [Facebook](https:\/\/www.facebook.com\/Cheapism\/)\n- [X](https:\/\/www.x.com\/cheapism)\n- [Instagram](https:\/\/www.instagram.com\/cheapism)\n- [TikTok](https:\/\/www.tiktok.com\/@cheapism)\n- [YouTube](https:\/\/www.youtube.com\/@Cheapism99)\n\n[![Logo for \"Cheapism\" with the word in bold purple letters. 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[Taste Tests](https:\/\/www.cheapism.com\/category\/food-drink\/taste-tests\/)\n- [Lifestyle](https:\/\/www.cheapism.com\/category\/lifestyle\/)\n  - [At Home](https:\/\/www.cheapism.com\/category\/lifestyle\/at-home\/)\n  - [Entertainment](https:\/\/www.cheapism.com\/category\/lifestyle\/entertainment\/)\n  - [Family](https:\/\/www.cheapism.com\/category\/lifestyle\/family\/)\n  - [Health & Wellness](https:\/\/www.cheapism.com\/category\/lifestyle\/health-wellness\/)\n  - [Holidays](https:\/\/www.cheapism.com\/category\/lifestyle\/holidays\/)\n  - [Life After 50](https:\/\/www.cheapism.com\/category\/lifestyle\/life-after-50\/)\n  - [Pets](https:\/\/www.cheapism.com\/category\/lifestyle\/pets\/)\n  - [Tech](https:\/\/www.cheapism.com\/category\/lifestyle\/tech\/)\n- [Gift Ideas](https:\/\/www.cheapism.com\/category\/gift-ideas\/)\n  - [Gifts by Interest](https:\/\/www.cheapism.com\/category\/gift-ideas\/gifts-by-interest\/)\n  - [Gifts by Price](https:\/\/www.cheapism.com\/category\/gift-ideas\/gifts-by-price\/)\n  - [Gifts for All](https:\/\/www.cheapism.com\/category\/gift-ideas\/gifts-for-all\/)\n  - [Gifts for Her](https:\/\/www.cheapism.com\/category\/gift-ideas\/gifts-for-her\/)\n  - [Gifts for Him](https:\/\/www.cheapism.com\/category\/gift-ideas\/gifts-for-him\/)\n  - [Gifts for Kids](https:\/\/www.cheapism.com\/category\/gift-ideas\/gifts-for-kids\/)\n\n- Money\n  - [Business](https:\/\/www.cheapism.com\/category\/money\/business\/)\n  - [Careers](https:\/\/www.cheapism.com\/category\/money\/careers\/)\n  - [Housing & Real Estate](https:\/\/www.cheapism.com\/category\/money\/housing-real-estate\/)\n  - [Living on a Budget](https:\/\/www.cheapism.com\/category\/money\/living-on-a-budget\/)\n  - [News](https:\/\/www.cheapism.com\/category\/money\/news\/)\n  - [Personal Finance](https:\/\/www.cheapism.com\/category\/money\/personal-finance\/)\n  - [Retirement](https:\/\/www.cheapism.com\/category\/money\/retirement\/)\n  - [Taxes](https:\/\/www.cheapism.com\/category\/money\/taxes\/)\n- Travel\n  - [Camping & Outdoors](https:\/\/www.cheapism.com\/category\/travel\/camping-outdoors\/)\n  - [Cruises](https:\/\/www.cheapism.com\/category\/travel\/cruises\/)\n  - [Destinations](https:\/\/www.cheapism.com\/category\/travel\/destinations\/)\n  - [Road Trips](https:\/\/www.cheapism.com\/category\/travel\/road-trips\/)\n  - [RV Life](https:\/\/www.cheapism.com\/category\/travel\/rv-life\/)\n  - [Vacation Rentals & Hotels](https:\/\/www.cheapism.com\/category\/travel\/vacation-rentals-hotels\/)\n- Cars & RV\n  - [Maintenance](https:\/\/www.cheapism.com\/category\/cars-rvs\/maintenance\/)\n  - [Makes & Models](https:\/\/www.cheapism.com\/category\/cars-rvs\/makes-and-models\/)\n  - [RVs](https:\/\/www.cheapism.com\/category\/cars-rvs\/rvs\/)\n- Shopping\n  - [Auto](https:\/\/www.cheapism.com\/category\/shopping\/auto\/)\n  - [Beauty & Fashion](https:\/\/www.cheapism.com\/category\/shopping\/beauty-fashion\/)\n  - [Deals](https:\/\/www.cheapism.com\/category\/shopping\/deals\/)\n  - [Fitness](https:\/\/www.cheapism.com\/category\/shopping\/fitness\/)\n  - [Gear](https:\/\/www.cheapism.com\/category\/shopping\/gear\/)\n  - [Home & Garden](https:\/\/www.cheapism.com\/category\/shopping\/home-garden\/)\n  - [Kitchen & Groceries](https:\/\/www.cheapism.com\/category\/shopping\/kitchen-groceries\/)\n  - [Reviews](https:\/\/www.cheapism.com\/category\/shopping\/reviews\/)\n- Food & Drink\n  - [Beer, Wine, & Spirits](https:\/\/www.cheapism.com\/category\/food-drink\/beer-wine-and-spirits\/)\n  - [Fast Food](https:\/\/www.cheapism.com\/category\/food-drink\/fast-food\/)\n  - [Food Recalls](https:\/\/www.cheapism.com\/category\/food-drink\/food-recalls\/)\n  - [Food Trends & Trivia](https:\/\/www.cheapism.com\/category\/food-drink\/food-trends-and-trivia\/)\n  - [Recipes](https:\/\/www.cheapism.com\/category\/food-drink\/recipes\/)\n  - [Restaurants & Dining](https:\/\/www.cheapism.com\/category\/food-drink\/restaurants-and-dining\/)\n  - [Taste Tests](https:\/\/www.cheapism.com\/category\/food-drink\/taste-tests\/)\n- Lifestyle\n  - [At Home](https:\/\/www.cheapism.com\/category\/lifestyle\/at-home\/)\n  - [Entertainment](https:\/\/www.cheapism.com\/category\/lifestyle\/entertainment\/)\n  - [Family](https:\/\/www.cheapism.com\/category\/lifestyle\/family\/)\n  - [Health & Wellness](https:\/\/www.cheapism.com\/category\/lifestyle\/health-wellness\/)\n  - [Holidays](https:\/\/www.cheapism.com\/category\/lifestyle\/holidays\/)\n  - [Life After 50](https:\/\/www.cheapism.com\/category\/lifestyle\/life-after-50\/)\n  - [Pets](https:\/\/www.cheapism.com\/category\/lifestyle\/pets\/)\n  - [Tech](https:\/\/www.cheapism.com\/category\/lifestyle\/tech\/)\n- Gift Ideas\n  - [Gifts by Interest](https:\/\/www.cheapism.com\/category\/gift-ideas\/gifts-by-interest\/)\n  - [Gifts by Price](https:\/\/www.cheapism.com\/category\/gift-ideas\/gifts-by-price\/)\n  - [Gifts for All](https:\/\/www.cheapism.com\/category\/gift-ideas\/gifts-for-all\/)\n  - [Gifts for Her](https:\/\/www.cheapism.com\/category\/gift-ideas\/gifts-for-her\/)\n  - [Gifts for Him](https:\/\/www.cheapism.com\/category\/gift-ideas\/gifts-for-him\/)\n  - [Gifts for Kids](https:\/\/www.cheapism.com\/category\/gift-ideas\/gifts-for-kids\/)\n\n- [Facebook](https:\/\/www.facebook.com\/Cheapism\/)\n- [X](https:\/\/www.x.com\/cheapism)\n- [Instagram](https:\/\/www.instagram.com\/cheapism)\n- [TikTok](https:\/\/www.tiktok.com\/@cheapism)\n- [YouTube](https:\/\/www.youtube.com\/@Cheapism99)\n\n[![Logo for \"Cheapism\" with the word in bold purple letters. The letter \"C\" resembles a cent symbol, encircled by an orange outline.](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/cheapismLOGO_fullcolor.svg)](https:\/\/www.cheapism.com\/)\n\nCheapism is [editorially independent](https:\/\/www.cheapism.com\/about\/). We may earn a commission if you buy through links on our site.\n\n[Money](https:\/\/www.cheapism.com\/category\/money\/) \/ [Living on a Budget](https:\/\/www.cheapism.com\/category\/money\/living-on-a-budget\/)\n\n# 100 Top Money-Saving Tips\nPublished December 23, 2021•Updated October 28, 2025\n\n•\n\nBy\n\n[Louis DeNicola](https:\/\/www.cheapism.com\/louis-denicola\/ \"Posts by Louis DeNicola\")\n\n![save money](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/iStock-1216749543.original-4-570x380.jpg)\n\nProstock-Studio\/istockphoto\n\nThere are a lot of ways to waste money, and the pandemic hasn’t made anything any easier. But fortunately, there are also a lot of ways to save. From [lowering your utility costs](https:\/\/www.cheapism.com\/energy-conservation-myths\/) to coupon sites, this roundup of 100 money-saving, reward-earning, and frugal-living tips will help you stay ahead of the game financially. Keep it handy by bookmarking it in your favorite browser and on your smartphone.\n\n**Related:** [Household Products That Are a Complete Waste of Money](https:\/\/www.cheapism.com\/useless-products-17711\/)\n\n## Cut the Cord\n![Netflix Begins Streaming in 2007](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/081417_history_of_retail_slide_50_fs.original.jpg)\n\nKaspars Grinvalds\/shutterstock\n\nConsumers can save by joining the cord-cutting revolution and opting for a streaming stick from Roku, Google, or Amazon, or a set-top box such as Apple TV. Even subscribing to more than one streaming service, monthly entertainment [costs can dip dramatically](https:\/\/www.cheapism.com\/best-streaming-services\/) without a cable subscription, and there is still plenty to watch.\n\n**Related:** [Awesome Gifts for Couch Potatoes and TV Lovers](https:\/\/www.cheapism.com\/gift-ideas-couch-potato-14832\/)\n\n## Dress Up for Less\n![two young women choosing dresses in a luxury fashion store](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_2_fs.original.jpg)\n\npixelfit\/istockphoto\n\nWant the outfit worn by a celebrity? It may be possible to find [a similar look for a lot less](https:\/\/www.cheapism.com\/shoe-knockoffs-boot-lookalikes\/) at a low-price apparel chain such as Old Navy — or get the very same look short term at a site such as Rent the Runway.\n\n## Insist on No-Fee Banking\n![cash withdrawal in dollars from an ATM](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_3_fs.original.jpg)\n\nViktoriiaNovokhatska\/istockphoto\n\nSwitch to a bank with fee-free checking and ATM use or fee reimbursement — often available from smaller local banks or [credit unions](https:\/\/www.cheapism.com\/credit-union-18566\/). These institutions also typically offer checking accounts with no minimums and [lower fees than large banks](https:\/\/www.cheapism.com\/big-banks-disadvantages\/). Explore online services from Charles Schwab, Ally Bank, or USAA Bank (for members and relatives of military members and veterans).\n\n## Spend Less to See Movies\n![One Man in an Empty Theater stock photo](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/PSX_20200806_073235.original.jpg)\n\npatrickheagney\/istockphoto\n\nMovie-going is an iffy proposition these days, but when cinemas reopen in full you’ll want to think about saving money by buying tickets in bulk at warehouse clubs or straight from theater chains, attending matinees, going on discount days, and avoiding the overpriced snack bar.\n\n## Dine Where Kids Eat Free\n![child eating burger at fast food place](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/741-20160429-044240-4015-121615_best_money_savi.original.jpg)\n\nAlinute Silzeviciute\/shutterstock\n\nAt least five days of the week (generally not Friday and Saturday) there’s a restaurant chain that lets [kids eat for free](https:\/\/www.cheapism.com\/kids-eat-free-restaurant-deals-16154\/) after the purchase of an adult entree. Clearly the pandemic has wreaked havoc on the restaurant industry with [many chains closing locations](https:\/\/www.cheapism.com\/restaurant-chains-closing-locations-this-year\/), but many still have kids-eat-free offers and other [family friendly deals](https:\/\/www.cheapism.com\/family-fast-food-deals\/).\n\n**Related:** [The Best Value Meal Deals at Chains Across the Country](https:\/\/www.cheapism.com\/best-value-meal-deals-15294\/)\n\n### Trending on Cheapism\n- [![Sign of a Red Lobster seafood restaurant in Harrisburg, Pennsylvania against a clear, blue sky](https:\/\/www.cheapism.com\/wp-content\/uploads\/2022\/06\/Sign-of-a-Red-Lobster-Seafood-Restaurant-in-Har.original-570x380.jpg) ‘Red Lobster Strikes Again’: 200 Employees Laid Off Right Before the Holidays](https:\/\/www.cheapism.com\/red-lobster-layoffs-2025\/ \"‘Red Lobster Strikes Again’: 200 Employees Laid Off Right Before the Holidays\")\n- [![senior couple selecting fresh herbs at the grocery store](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/081718_things_teens_can_teach_seniors_slide_7_f.original-570x380.jpg) How Food Co-ops Save Shoppers Money and Support Local Communities](https:\/\/www.cheapism.com\/best-food-coops\/ \"How Food Co-ops Save Shoppers Money and Support Local Communities\")\n## Drop Unused Memberships\n![gym](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/801-20160429-044242-4015-121615_best_money_savi.original.jpg)\n\nSerghei Starus\/shutterstock\n\nCheck monthly bills and think twice about memberships that aren’t used often. Whether it’s a subscription box with products that aren’t often to your liking or an infrequently visited gym (which may still be a good place to avoid these days), if the service isn’t providing value, stop paying for it.\n\n**For more great money-saving tips,** [please sign up for our free newsletters](https:\/\/cheapism.us14.list-manage.com\/subscribe?u=de966e79b38e1d833d5781074&id=c14db36dd0).\n\n## Find Free Fun\n![couple hiking in the woods](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/857-20160422-022211-041116_cheap_hiking_gear_sl.original.jpg)\n\nMaridav\/shutterstock\n\nCut your entertainment budget: Spend a day outdoors hiking along one of the many [beautiful trails this country has to offer](https:\/\/www.cheapism.com\/best-hiking-trails-3536\/). If it’s cold, check out [bookstores so cool that visiting is worth it](https:\/\/www.cheapism.com\/best-bookstores\/) even without a purchase.\n\n## Pay Off Credit Cards\n![credit card and statement](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/417-20160429-044225-4015-121615_best_money_savi.original.jpg)\n\njason cox\/shutterstock\n\nIt’s a myth that keeping a small balance on a credit card [improves credit scores](https:\/\/www.cheapism.com\/credit-score-myths-3798\/). On the contrary: Paying off balances can help cardholders boost their scores — and save money by avoiding interest payments.\n\n### Sign up for our newsletter\nSubscribe to Cheapism and get exclusive tips, top deals, and money-saving ideas sent directly to you.\n## Take Advantage of Libraries\n![African American woman in library reading a book](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/020818_warning_signs_youre_50_slide_18_fs.original.jpg)\n\nkali9\/istockphoto\n\nLibraries do more than offer free books; they rent movies and ebooks inexpensively and host classes of all sorts, among other services. [Libraries are also accommodating workspaces](https:\/\/www.cheapism.com\/amazing-libraries-all-50-states-4230\/) — they’re quiet and there’s no need to buy coffee or a snack every few hours.\n\n## Seek Out Offbeat Attractions\n![Cadillac Ranch, Texas](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/802-20160429-045706-3715-072015_rdsd_attrctns_s.original.jpg)\n\nSeek Out Offbeat Attractions by [Richie Diesterheft (](https:\/\/www.flickr.com\/people\/10058483@N00)[(CC BY))](https:\/\/creativecommons.org\/licenses\/by\/4.0\/)\n\nLooking for an cheap or free vacation thrill? There’s something [unexpected or off the beaten path in every state](https:\/\/www.cheapism.com\/weird-roadside-attractions-17021\/), from an inn shaped like a giant beagle to the famed Cadillac Ranch in Texas.\n\n**Related:** [50 Picturesque Road Trips for Safer Travel During the Pandemic](https:\/\/www.cheapism.com\/safe-road-trips\/)\n\n## Ask About Senior Discounts\n![Seniors talking to waitress at restaurant](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/Senior_Discount.original.jpg)\n\nmonkeybusinessimages\/istockphoto\n\nThe age for senior discounts may be as young as 50 [at restaurants, grocery stores, and clothing retailers](https:\/\/www.cheapism.com\/senior-discounts-list\/). With deals ranging from 5% to 50% off, make sure to ask.\n\n## Don’t Write Off Boutique Hotels, Airbnb, or Vrbo\n![African woman pulling the curtains in hotel room, in the morning](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_12_fs.original.jpg)\n\nvalentinrussanov\/istockphoto\n\nWhen travel hits full stride again post-pandemic, travelers looking for an alternative to a generic room in a large hotel chain property can opt for an inexpensive boutique hotel. There are options across the country worth considering, and rates can be as low as \\$50 a night. Airbnb and Vrbo sites can also provide unique experiences, whether you want an [Airstream trailer](https:\/\/www.cheapism.com\/coolest-airstream-airbnbs\/), [winter cabin](https:\/\/www.cheapism.com\/best-winter-airbnb\/) or a [Hobbit hole](https:\/\/www.cheapism.com\/amazing-airbnbs\/).\n\n## Book Slightly Outside of Town\n![hotel doorway with open door in front of blur bedroom background](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_13_fs.original.jpg)\n\nundefined undefined\/istockphoto\n\nHotels are often cheaper farther from the city center or from major attractions. This isn’t always true at holiday times, though. That’s when business travel is at a lull, and rates may fall in a city’s financial district. Also, be sure to keep an eye peeled for [hotel freebies](https:\/\/www.cheapism.com\/secret-hotel-perks-17133\/), such as snacks and entertainment.\n\n## Avoid Baggage Fees\n![smiling young businesswoman stands in the aisle of a commercial airliner and places her carry on bag in the overhead bin](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_14_fs.original.jpg)\n\nSDI Productions\/istockphoto\n\nEven if flying isn’t on your immediate agenda, you’ll want to remember that many airlines charge for checked bags. But there are [ways to fit everything into a carry-on](https:\/\/www.cheapism.com\/carry-on-packing-tips-3705\/) and otherwise [eliminate or reduce airline baggage fees](https:\/\/www.cheapism.com\/us-domestic-airline-fees\/). Watch out for budget airlines that collect fees even for carry-ons and fare classes, such as one one on [United](https:\/\/www.united.com\/web\/en-US\/content\/travel\/inflight\/basic-economy.aspx), that also limits free baggage to one personal item.\n\n## Try a Home Juicer\n![fruits being juiced by juicer](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/iStock-507774793.original.jpg)\n\nsimpson33\/istockphoto\n\nInstead of buying bottled juices or doing a pricey, prepackaged cleanse, use a home juicer. The time commitment and cleanup are not for everyone, so [start with a cheap juicer](https:\/\/www.cheapism.com\/cheap-juicer-recommendations-18484\/) and upgrade if juicing turns into an ongoing thing.\n\n## Learn Price Code Secrets\n![jeans with price tag](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/902-20160429-044220-4015-121615_best_money_savi.original.jpg)\n\nAnan Kaewkhammul\/shutterstock\n\nMany retailers use price codes (for example, a price that ends in .97) on tags to indicate whether an item is a final markdown or may be discounted further.\n\n## Negotiate\n![couple buying car at dealership](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/548-20160429-044220-4015-121615_best_money_savi.original.jpg)\n\nSyda Productions\/shutterstock\n\nNegotiating makes sense more often than you might expect. With market information in hand, go straight to the manager at a rental car agency or hotel and try to wrangle a deal. No luck lowering the price? Try getting more value with an upgrade or fee waiver.\n\n## Install a Programmable Thermostat\n![woman's hand setting the room temperature on a modern programmable thermostat](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/thermostats_2500.original.jpg)\n\nSteve Cukrov\/shutterstock\n\nSmart thermostats [can be real money savers](https:\/\/www.cheapism.com\/will-smart-home-thermostat-pay-itself-15897\/) — they learn residents’ preferences and can be controlled from afar — but even a [cheap programmable thermostat](https:\/\/www.cheapism.com\/cheap-thermostats\/) set at a reasonable temperature can save \\$180 a year on average, according to the federal government’s Energy Star program.\n\n## Sell Clothes\n![young woman is sorting out wardrobe](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_19_fs.original.jpg)\n\nurbazon\/istockphoto\n\nEarn extra cash by [selling unwanted clothing](https:\/\/www.cheapism.com\/sell-your-clutter-online-16161\/) on websites such as Poshmark, Vinted, ThredUp, or The RealReal.\n\n## Rent and Swap Toys\n![woman donating unwanted items to charity shop](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/120916_tax_deductible_donations_2016_slide_7_fs.original.jpg)\n\nSpeedKingz\/shutterstock\n\nDon’t waste money on toys that children will cast aside after a few months. Instead, consider toy swaps with local parents.\n\n**Related:** [Ways Parents Waste Money on Kids](https:\/\/www.cheapism.com\/expensive-parenting\/)\n\n## Don’t Go Overboard for Savings\n![coupons and sissors](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/917-20160429-050657-3276-120314_online_shopping.original.jpg)\n\nCarolyn Franks\/shutterstock\n\nBeing [too cheap](https:\/\/www.cheapism.com\/frugal-money-saving-habits-17321\/) may not be financially wise. Don’t blindly choose the [least expensive item when it’s low-quality](https:\/\/www.cheapism.com\/dont-be-cheap\/), for instance. And make sure extreme couponing or a long drive to find the cheapest gas isn’t wasting more time than it’s worth.\n\n## Buy Generic Food and Drugs\n![aspirin pills](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/619-20160429-044232-4015-121615_best_money_savi.original.jpg)\n\nShane Maritch\/shutterstock\n\nDoctors tend to buy generic versions of [common medications](https:\/\/www.cheapism.com\/drug-costs\/), and chefs buy store-brand baking supplies such as brown sugar. Private labels and generics usually [cost less for the same quality](https:\/\/www.cheapism.com\/pharmacies\/).\n\n**Related:** How Seniors Can Save on Health Care\n\n## Shop for a Diamond Online\n![diamond](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/225-20160429-044232-4015-121615_best_money_savi.original.jpg)\n\nsumire8\/shutterstock\n\nLooking for a diamond ring for a holiday engagement? Get a good price by shopping online and knowing the five C’s: clarity, color, cut, carat, and certification. Don’t compromise on cut, which makes a diamond sparkle, but a low clarity or color grade is harder to notice and can make a large stone more affordable. Also consider alternative synthetic diamonds or alternative gemstones.\n\n## Use Veterans’ Discounts\n![relieved little girl hugs her mom after her mom's return home from military service](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_25_fs.original.jpg)\n\nSDI Productions\/istockphoto\n\nVeterans can take advantage of a slew of [discounts and benefits year-round](https:\/\/www.cheapism.com\/disabled-veterans-death-education-benefits-14849\/). Lowe’s, for example, offers 10% off to active and retired military and those receiving Veterans Affairs benefits.\n\n## Seek Alternative Phone Service\n![Closeup of young adults using smart phones](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/Phone_Plans.original.png)\n\nmonkeybusinessimages\/istockphoto\n\nEscape the contract and switch to an ultra-cheap phone provider such as FreedomPop or Republic Wireless. They use the same towers as some of the big telecom companies but charge consumers just a fraction of the price.\n\n## Test Out of College Classes\n![hand holding pencil for testing exams writing answer sheet for taking fill in admission exam](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_27_fs.original.jpg)\n\nsmolaw11\/istockphoto\n\nYes, it’s possible to earn a bachelor’s degree for less by testing out of required classes at an accredited college. This path requires a lot of self-discipline but can save tens of thousands of dollars.\n\n## Do Disney on a Budget\n![Disney World Magic Kingdom](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/961px-Cinderella_Castle__Magic_Kingdom.original.jpg)\n\nDisney World Magic Kingdom by [Rstoplabe14 (](https:\/\/en.wikipedia.org\/wiki\/User:Rstoplabe14)[(CC BY-SA))](https:\/\/creativecommons.org\/licenses\/by-sa\/4.0\/)\n\nA trip to see Mickey and the gang may be just a wish upon a star in the near term because of pandemic closures and restrictions, but a visit to the Disney theme parks can be a costly affair. Regular tickets to Disney World are\n\n[more than \\$100](https:\/\/www.cheapism.com\/disney-ticket-prices\/)\n\nfor ages 10 and up, but there are ways to\n\n[save on a Disney trip](https:\/\/www.cheapism.com\/disney-on-a-budget-2017-15101\/)\n\n. One of the best strategies: Bring food, drinks, and even Disney memorabilia bought somewhere besides the overpriced gift shops (tell the kids a favorite character stopped by the hotel to leave them a souvenir). Disney World now allows outside food, and Disney cruises permit up to two bottles of wine or six beers in a carry-on.\n\n## Monitor Credit\n![credit score](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/iStock-1089339790.original.jpg)\n\ntolgart\/istockphoto\n\nDetect fraud early by monitoring credit reports and [checking credit scores for free](https:\/\/www.cheapism.com\/biggest-credit-score-mistakes\/) using a site such as Credit Sesame or Bankrate. Some credit cards now come with a free credit score.\n\n## Get Cash Back\n![African American couple on laptop while sitting on couch](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/111717_hawaii_budget_vacation_slide_19_fs_u8sGs.original.jpg)\n\nkupicoo\/istockphoto\n\nCash-back shopping sites such as Rakuten and Mr. Rebates let consumers earn a percentage of their money back when shopping online. Many rewards credit cards offer a similar perk for online and offline purchases.\n\n## Maintain Low Credit Card Balances\n![things to do today notepad with pay off credit card! written in black pen](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_31_fs.original.jpg)\n\nChrisShirley\/istockphoto\n\nFor a high credit score, don’t spend a large part of each card’s available credit limit. The utilization rate — the percentage of a credit limit that’s being used — is an important credit-scoring factor, and lower is better in the eyes of credit scoring agencies.\n\n## Don’t Let Credit Card Debt Linger\n![Woman with credit card debt](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/Credit_Card_Debt.original.png)\n\nvalentinrussanov\/istockphoto\n\nConsumers who have good credit scores but have trouble paying off credit card debt can move the debt to a card that charges zero interest on transferred balances during a promotional period. Some, but not all, such cards charge a one-time fee equal to a percentage of the amount transferred. Another option: Take out a personal loan with a lower interest rate than the credit cards and use it to pay down the debt.\n\n## Find Promo Codes\n![Woman shopping online at home](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/11017_how_to_lower_monthly_bills_slide_9_fs.original.jpg)\n\nAndreyPopov\/istockphoto\n\nNetting a discount can be as easy as typing the retailer’s name and “coupon codes” into a search engine. Consumers can also check sites such as RetailMeNot, DealNews, and Brad’s Deals for coupon codes before checking out online.\n\n## Go Gift Card Shopping\n![Target gift card](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/Scope_Out_Free_Gift_Card_Deals_In_Store.original.jpg)\n\nScope Out Free Gift Card Deals In Store by [Mike Mozart (](https:\/\/www.flickr.com\/photos\/jeepersmedia\/)[(CC BY))](https:\/\/creativecommons.org\/licenses\/by\/4.0\/)\n\n[Gift Card Granny](https:\/\/www.giftcardgranny.com\/) shows where to buy gift cards online for less than face value — and who says a gift card has to be a gift? Shop at a discount by paying with gift cards at big-name retailers.\n\n## Track Price Drops\n![hand on smartphone comparing prices](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/909-20160429-044230-4015-121615_best_money_savi.original.jpg)\n\nBoriboon Chutikaseam\/shutterstock\n\nSavings need not stop after clicking “buy.” Several price-tracking services alert shoppers to after-the-fact price drops so shoppers can ask for a refund of the difference — or get one automatically (minus a cut for the service). Paribus and Rakuten monitor select retailers, including Amazon, through users’ email accounts. Several credit card issuers offer a similar service for free.\n\n## Invest in Energy-Efficient Upgrades\n![man changing compact-fluorescent (CFL) bulbs with new LED light bulb](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_36_fs.original.jpg)\n\nPornpak Khunatorn\/istockphoto\n\nUpgrade a home and reduce utility costs with energy-efficient light bulbs and appliances. The initial investment will pay for itself over time and the planet will benefit. It’s one of many ways to [reduce utility costs](https:\/\/www.cheapism.com\/how-to-reduce-heating-costs-3939\/) during the winter.\n\n## Steer Clear of Hotel Minibars\n![hotel minibar](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/513-20160429-044223-4015-121615_best_money_savi.original.jpg)\n\nVereshchagin Dmitry\/shutterstock\n\nIt’s not as simple as refraining from eating or drinking anything. Some hotel minibars have a built-in sensor that may be triggered by merely moving items. Look over the bill before checking out to make sure there aren’t any accidental charges.\n\n## Reject Unnecessary Purchases\n![row of kitchen appliances on countertop](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/771-20160429-044222-4015-121615_best_money_savi.original.jpg)\n\nkazoka\/shutterstock\n\nAvoid buying things that probably will not be used more than once, such as formalwear (rent instead), specialty kitchen appliances (which lose their novelty quickly), and power tools (rent from home improvement stores or borrow from local sources).\n\n## Put Credit Card Perks to Work\n![credit card in charger machine](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/592-20160429-044221-4015-121615_best_money_savi.original.jpg)\n\nalice-photo\/shutterstock\n\nMany credit cards offer extended warranties, full refunds if items are damaged or stolen up to 90 days after purchase, zero liability for fraudulent charges, and [rewards programs that earn the cardholder money back](https:\/\/www.cheapism.com\/credit-debit-card-perks-14670\/) on every purchase. Look at what’s included before buying additional coverage.\n\n## Be a Cheap Date\n![couple volunteering](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/598-20160429-044233-4015-121615_best_money_savi.original.jpg)\n\nwavebreakmedia\/shutterstock\n\nLooking for [inexpensive date ideas](https:\/\/www.cheapism.com\/cheap-summer-dates-16813\/)? Instead of dinner and a movie, try wine tasting, volunteering, going to an arcade, or checking out a local tourist attraction that’s often overlooked by residents.\n\n## Don’t Rent a Modem or Router\n![router](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/959-20160429-044221-4015-121615_best_money_savi.original.jpg)\n\nKostsov\/shutterstock\n\nBuy a wireless router or modem rather than renting one from an internet service provider. The purchase often pays for itself in less than a year.\n\n## Escape Foreign Transaction Fees\n![hand holding credit card in shop](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/313-20160429-044225-4015-121615_best_money_savi.original.jpg)\n\ndean bertoncelj\/shutterstock\n\nGet a credit card that does not charge extra for foreign transactions. This can\n\n[come in handy when international travel returns to normal](https:\/\/www.cheapism.com\/budget-international-travel-tips-3528\/)\n\nor when making purchases in a foreign currency while at home.\n\n## Make Razors Last\n![razor](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/437-20160429-044235-4015-121615_best_money_savi.original.jpg)\n\nAsier Romero\/shutterstock\n\nSave money on razors by drying the blades after each use and storing them in a dry space. This simple step can prolong the life of a razor blade by months. For more savings, consider switching to a service that delivers inexpensive blades.\n\n## Buy in Bulk for School Lunches\n![Costco](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/806-20160429-044219-4015-121615_best_money_savi.original.jpg)\n\nmandritoiu\/shutterstock\n\nSave on school lunches by buying ingredients in bulk and packing in reusable containers, instead of buying single-serving packages.\n\n**Related:** [Super Easy School Lunches](https:\/\/www.cheapism.com\/easy-school-lunches-14435\/)\n\n## Enjoy Free Samples\n![makeup samples](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/532-20160429-044240-4015-121615_best_money_savi.original.jpg)\n\nAmazon\n\nInfluenster and BzzAgent [send free samples](https:\/\/www.cheapism.com\/test-products-get-free-stuff\/), and sometimes free full-size products, to consumers who write short reviews or tell friends about the products.\n\n## Adopt the Right Pet\n![young and happy family adopting a dog in dog's shelter](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_47_fs.original.jpg)\n\nhedgehog94\/istockphoto\n\nConsidering a new pet? Experts say purebred cats and dogs are most prone to illness — and the accompanying vet bills. In general, the [least expensive animals](https:\/\/www.cheapism.com\/6-cheap-pets-offer-protection\/) to care for are small, female mixed breeds that have been spayed.\n\n**Related:** [Dogs That Don’t Shed](https:\/\/www.cheapism.com\/dogs-that-dont-shed\/)\n\n## Clean With Microfiber Cloths\n![hand cleaning desk with yellow cloth at home](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_48_fs.original.jpg)\n\nhumonia\/istockphoto\n\nMicrofiber cleaning cloths generally cost more than standard cotton towels, but even the priciest options pay for themselves over time when factoring in durability and savings on cleaning products.\n\n## Have a Taco (or Two)\n![tacos being served at a taco truck](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_49_fs.original.jpg)\n\nBen Wehrman\/istockphoto\n\nNo matter the day of the week, tacos are a delicious and inexpensive food. There are iconic taco shops (or trucks) across the country that are worth checking out.\n\n## Save With Apps\n![hand with mobile in grocery store](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/820-20160429-044238-4015-121615_best_money_savi.original.jpg)\n\nLDprod\/shutterstock\n\nUse mobile apps to help save money while shopping for groceries, clothing, and everything else. Try RetailMeNot, Ibotta, Checkout 51, Grocery Smarts, SmartSource, and the Coupons app.\n\n## Make Clothes Last\n![young woman doing her laundry at home](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_51_fs.original.jpg)\n\nPeopleImages\/istockphoto\n\nTo prolong the life of clothing, wash clothes in cold water, don’t use wire hangers, set the dryer on low, or hang dry washables.\n\n**Related:** [How to Go as Long as Possible Without Doing Laundry](https:\/\/www.cheapism.com\/how-to-do-less-laundry\/)\n\n## DIY Yardwork\n![rake with fall leaves](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/101518_fitness_slide12.original.jpg)\n\nElenathewise\/istockphoto\n\nInstead of [farming out your yardwork](https:\/\/www.cheapism.com\/cheap-gardening-ideas-16747\/) to a lawn service, so to speak, dig in and take care of it yourself. Lawn services can charge \\$35 or more for an average size yard.\n\n## Plant a Garden\n![male farmer working in a vegetable garden](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/26911-11.original.jpg)\n\nshapecharge\/istockphoto\n\nTake the DIY yardwork a step further by planting a garden that can provide cheap, homegrown fruits and vegetables. [Initial expenses are minimal,](https:\/\/www.cheapism.com\/home-gardening-tips-17060\/) and if you end up with more produce than you can use, you can [freeze it for later](https:\/\/www.cheapism.com\/how-to-freeze-vegetables-3767\/).\n\n## Unplug\n![electrical power cord on white background](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_53_fs.original.jpg)\n\nslobo\/istockphoto\n\nUnplugging DVR cable boxes, computers, and other appliances when they’re not in use could knock \\$200 a year off the electric bill, according to the National Renewable Energy Laboratory, but ending “vampire drain” is only one of many ways to save on energy costs.\n\n## Keep the Wedding Simple\n![flowers decoration in lanterns](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/shutterstock_218297722.original.jpg)\n\nAndrii Oleksiienko\/shutterstock\n\nLarge floral centerpieces, paying for an open bar, and extravagant extras such as an ice sculpture can add up quickly. Consider a [simple wedding](https:\/\/www.cheapism.com\/destination-wedding-alternatives\/) and put the savings toward a goal such as buying a home or paying down debts.\n\n**Related:** Things You Won’t See at Weddings in the Coronavirus Era\n\n## Book Travel Directly\n![tourist woman in hotel room making credit card reservation for flight](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_55_fs.original.jpg)\n\nmartin-dm\/istockphoto\n\nBooking directly with travel providers can yield savings and extra perks, such as free Wi-Fi, fewer hidden fees, and more flexibility.\n\n## Some Things Are Worth a Little More\n![cooking in kitchen with flame](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/230-20160429-044223-4015-121615_best_money_savi.original.jpg)\n\nKzenon\/shutterstock\n\nDon’t go rock-bottom-cheap on these household items: skillets, knives, storage containers, furniture, and vacuums. Stepping up a bit in price is worthwhile to net [goods that will last](https:\/\/www.cheapism.com\/items-to-splurge-on-18061\/) and save money in the long run.\n\n## Take Volunteer Vacations\n![woman volunteer cleaning on the beach](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/346-20160429-044223-4015-121615_best_money_savi.original.jpg)\n\nwavebreakmedia\/shutterstock\n\nHere’s another travel alternative to consider when pandemic restrictions ease. For a way to see the world and also give back, consider a [volunteer vacation](https:\/\/www.cheapism.com\/ecotourism-vacations\/). The experience can be personally rewarding and much less expensive than a resort.\n\n## Shop At Stores With Generous Return Policies\n![Nordstrom store](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/102816_retail_holiday_hiring_2015_vs_2016_slide.original_OvDzSqx.jpg)\n\nMichael Gordon\/shutterstock\n\nTake the stress out of shopping and guarantee a purchase will be appreciated by going to stores with good, [consumer-friendly return policies](https:\/\/www.cheapism.com\/store-return-policies\/). Nordstrom is a longtime favorite, and there are several other stores with similar approaches, [including Costco](https:\/\/www.cheapism.com\/costco-return-policy\/).\n\n## Take Alternative Transportation\n![business man walking down steps while carrying his bicycle](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121316_new_year_resolutions_that_save_money_sli.original_rnCsQRG.jpg)\n\nLucky Business\/shutterstock\n\nElectric bikes and scooters offer inexpensive and relatively sweat-free alternatives to a car for consumers eager to cut transportation costs.\n\n**Related:** [Best Cities for Living Without a Car](https:\/\/www.cheapism.com\/cities-to-live-without-a-car-4078\/)\n\n## Send Inexpensive Flowers\n![pink carnations](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/578-20160429-044234-4015-121615_best_money_savi.original.jpg)\n\nHong Vo\/shutterstock\n\nChrysanthemums, carnations, and alstroemerias (Peruvian lilies) cost less than roses and last longer. No matter the type of flowers, call a local florist near the recipient instead of ordering online. The florist may offer savings or prepare a better bouquet for the same price.\n\n## Reject Weight-Loss Gimmicks\n![overweight woman taking pills for weight loss](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_61_fs.original.jpg)\n\nVadym Petrochenko\/istockphoto\n\nSome weight-loss methods are too good to be true. Avoid paying for creams, seven-minute workouts, shakes, pills, and fad diets that do not address the needs of the body as a whole. Choose a plan that emphasizes healthy eating and exercise over a quick fix. The instilled habits are more valuable in the long run.\n\n## Try Name-Your-Price Shopping\n![African American woman photographing her food on a cafe counter](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/022118_ways_to_make_extra_money_slide_30_fs.original.jpg)\n\nUberImages\/istockphoto\n\nPriceline, Hotwire, and other travel sites aren’t the only ones that let consumers name the price they want to pay. Greentoe has a similar setup for photography equipment, home theater items, appliances, and more.\n\n## Buy Secondhand\n![thrift shop](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/538-20160429-050534-3474-032715_used_goods_slid.original.jpg)\n\nMatej Kastelic\/shutterstock\n\nGarage sales, thrift stores, and [flea markets](https:\/\/www.cheapism.com\/50-flea-markets-across-america-bargain-hunters-wont-want-miss-4248\/) are brimming with gently used items that may be your next big treasure. [Books, sporting goods, and kids’ clothes](https:\/\/www.cheapism.com\/buying-used-stuff-17327\/) can be had at rock-bottom prices.\n\n## Refinance Private Student Loans\n![students writing tasks on whiteboard in class, laughing with classmates](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_64_fs.original.jpg)\n\nProstock-Studio\/istockphoto\n\nBorrowers whose financial situation has improved since graduation may want to look into refinancing their private student loans to potentially lower interest rates. Lenders look beyond credit scores to the borrower’s income, job, education level, degree, and other financial obligations.\n\n## Reevaluate Federal Student Loans\n![student loan form with dollars and books](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/442-20160429-044229-4015-121615_best_money_savi.original.jpg)\n\ndesigner491\/shutterstock\n\nRefinancing federal student loans can lead to lower interest rates, which can save borrowers money. Be aware, though: After refinancing with a private lender, borrowers are not eligible for federal payment plans based on income or forgiveness programs.\n\n## Lower Auto Insurance Costs\n![Istock 639263298](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/iStock-639263298.original.jpg)\n\nzimmytws\/istockphoto\n\nThere are many ways to get discounts on auto insurance policies: Take a defensive driving class, install an anti-theft device, or use the same company for several types of insurance, for instance.\n\n## Get Teen Discounts on Auto Insurance\n![young woman showing the car keys through the car window](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_67_fs.original.jpg)\n\nMarioGuti\/istockphoto\n\nYoung drivers often must [pay more for auto insurance](https:\/\/www.cheapism.com\/how-to-buy-a-car-for-a-teen\/), but some providers offer discounts to teens who maintain good grades or take driving courses or online classes.\n\n## Buy Renters Insurance\n![note on desk keyboard to call about renters insurance](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_68_fs.original.jpg)\n\nMilaspage\/istockphoto\n\nRenters may benefit from an insurance policy even if they don’t have many possessions. Renters insurance could cover theft of personal property even if it occurs outside the home, and liability protection in the event someone is injured and sues. Buying a fire extinguisher or paying premiums for a full year all at once usually generates a discount.\n\n## Ask About Student Discounts\n![college girls shopping in store](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/463-20160429-044234-4015-121615_best_money_savi.original.jpg)\n\nauremar\/shutterstock\n\nStudents are often on a shoestring budget, but there are plenty of savings opportunities. Some clothing stores, including Madewell, ASOS, and Topshop, offer a 10% to 15% student discount. Restaurants, grocery stores, movie theaters, gyms, and technology companies also offer discounts for students.\n\n## Pay Higher Deductibles\n![close up shot of an insurance policy](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_71_fs.original.jpg)\n\nKameleon007\/istockphoto\n\nTo decrease premiums on your insurance, raise the deductible (the amount the policyholder must pay before the insurance company starts to cover costs).\n\n## Think Twice Before Filing Insurance Claims\n![car with wrecked bumper](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/550-20160429-044219-4015-121615_best_money_savi.original.jpg)\n\nTidarat Tiemjai\/shutterstock\n\nWhen the cost to replace possessions or fix a vehicle is less than an insurance deductible, it may make sense not to make a claim. The policyholder has to pay for the damages out-of-pocket either way, and reporting the incident may result in higher premiums.\n\n## Take Care With a Car\n![man cleaning his car](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/764-20160429-044226-4015-121615_best_money_savi.original.jpg)\n\nPhotographee.eu\/shutterstock\n\nMost people know a new car’s value drops as soon as it’s driven off the lot. Help maintain the value by taking the car in for regular checkups, waxing the exterior, and avoiding eating or drinking inside.\n\n## Use a Standing Desk for Less\n![standing desk](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/373-20160429-044220-4015-121615_best_money_savi.original.jpg)\n\nAmazon\n\nStanding desks can encourage workers to be less sedentary and offer a nice change from sitting in front of a computer all day. Retail prices can reach into the thousands, but there are cheaper alternatives, including a wall-mounted shelf or stacking books or boxes to raise the height of a laptop or monitor. Keep feet relaxed by standing on a folded yoga mat or anti-fatigue mat.\n\n## Adapt to Age Well\n![Seniors exercising outside](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/043018_finding_a_senior_living_community_slide_.original_Z5PNHYQ.png)\n\nRawpixel\/istockphoto\n\nSome basic lifestyle changes can help maintain or improve health as you age. Work in 30 minutes of physical activity a day, get plenty of sleep, and try to minimize sugar intake.\n\n## Consider Refinancing Your Mortgage\n![refinanced mortgage approved](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/286-20160429-044223-4015-121615_best_money_savi.original.jpg)\n\nalexskopje\/shutterstock\n\nRefinancing a mortgage could lead to significant savings. Shop around to [get quotes from different lenders](https:\/\/www.cheapism.com\/mortgage-shopping\/) and consider different loan terms.\n\n## Get Last-Minute Tax Savings\n![1040 tax forms](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/441-20160429-044220-4015-121615_best_money_savi.original.jpg)\n\nSakarin Sawasdinaka\/shutterstock\n\nGet a [tax deduction for the current year](https:\/\/www.cheapism.com\/tax-credits-deductions-write-offs) by contributing to an Individual Retirement Arrangement right up to the tax-filing deadline in the coming year. The IRA contribution limit for 2020 and 2021 is \\$6,000 (\\$7,000 for taxpayers 50 and older).\n\n## Price Match\n![hand with mobile on Amazon](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/312-20160429-044219-4015-121615_best_money_savi.original.jpg)\n\nTwin Design\/shutterstock\n\nSome major retailers, including Walmart, Target, Staples, and Best Buy price match Amazon. There are many exclusions to watch out for, but checking prices with a smartphone before making an in-store impulse buy can yield savings.\n\n## Touch Up a Bathroom Instead of Tearing It Out\n![man fixing up bathroom](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/789-20160429-044225-4015-121615_best_money_savi.original.jpg)\n\nforestpath\/shutterstock\n\nSave on a DIY bathroom remodel by keeping the basic layout the same and making other improvements: installing a new vanity countertop, painting the walls, putting up a new mirror, and regrouting the floor and other tile.\n\n## Deduct Mileage\n![woman in car with clipboard](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/418-20160429-044219-4015-121615_best_money_savi.original.jpg)\n\nKekyalyaynen\/shutterstock\n\nThe IRS has yet to announce the rate for 2022, but small-business owners who record the miles they drive for work could take a deduction of 56 cents a mile in 2021 — a decrease of 1.5 cents from the year before. The rate stayed the same for taxpayers who don’t own a business but drove for charitable purposes, or to and from a volunteer event: 14 cents a mile. For moving or medical purposes, the rate is 16 cents per mile in 2021, down a penny from a year earlier.\n\n## Track Prices\n![woman wearing blue jeans shirt and sunglasses using mobile phone to compare price and holding orange shopping basket in mini mart background](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_80_fs.original.jpg)\n\nTecha Tungateja\/istockphoto\n\nSites such as CamelCamelCamel and PriceSpider monitor the price of goods at stores such as Amazon, Best Buy, and Newegg so shoppers can pounce when the price drops.\n\n## Be Careful Hiring a Contractor\n![team of happy manual workers welcoming a couple to their apartment](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_81_fs.original.jpg)\n\nskynesher\/istockphoto\n\nBefore hiring a contractor, figure out if someone with specialized training is needed and get recommendations from friends and family. Set a budget and ask contractors for an itemized task and quote list. To be safe, budget for cost overruns up to 20% of the initial quote.\n\n## Improve Curb Appeal for Less\n![planting flowers in a garden](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/051618_homeowners_associations_slide_18_fs.original.jpg)\n\nljubaphoto\/istockphoto\n\nPreparing a home for [potential buyers](https:\/\/www.cheapism.com\/selling-your-home\/) or visiting relatives doesn’t have to involve expensive improvements: Clearing the driveway and walkways, cleaning the windows to let in natural light, and decorating the front with all-season plants may be the most important steps.\n\n## Compare Moving Expenses\n![close-up of two delivery men carrying cardboard box](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_83_fs.original.jpg)\n\nAndreyPopov\/istockphoto\n\nThe cost of shipping may be less than renting a truck for a long-haul move for people without large furniture. [Before packing up and moving](https:\/\/www.cheapism.com\/easy-move-17282\/), compare quotes from local moving companies against shipping costs.\n\n## Practice Preventive Care\n![female doctor and female patient discussing](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/030117_free_obamacare_services_slide_16_fs.original.jpg)\n\nBranislav Nenin\/shutterstock\n\nEmergency room visits can cost thousands — or tens of thousands of dollars. Taking [preventive health measures](https:\/\/www.cheapism.com\/preventive-care-to-avoid-financial-catastrophe-14710\/) such as getting regular checkups or screenings, and practicing safe sex could reduce the chances of running into health problems.\n\n## Ignore Pricey Workout Clothes\n![beautiful young black woman shopping for clothes with her caucasian boyfriend](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_85_fs.original.jpg)\n\nJuanmonino\/istockphoto\n\nLululemon and Athleta may be in vogue, but frugal fitness buffs can turn to plenty of places for deals on workout clothes. Check out websites such as The Clymb, ClothingUnder10, and Steep & Cheap, or inexpensive retailers such as Old Navy.\n\n## Try Some Simple Kitchen Hacks\n![banana stems](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/408-20160429-044220-4015-121615_best_money_savi.original.jpg)\n\nHelen’s Photos\/shutterstock\n\nA few simple kitchen hackscan save money and time. To cite just a couple: Wrap banana stems in plastic to keep them fresh longer (keeping the plastic wrap chilled to make it easier to separate and tear) and put marshmallows in brown sugar to keep it soft.\n\n## Peruse Blemished Produce\n![shopping for the freshest produce at the best price](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/030719_grocery_saving_tips_slide_25_fs.original.jpg)\n\nTassii\/istockphoto\n\nGrocery stores often have a section where bruised and overripe produce is [sold at clearance prices](https:\/\/www.cheapism.com\/grocery-stores-food-waste\/). These fruits and vegetables work just fine in sauces, pie fillings, stews, and smoothies. Consider signing up for an “ugly produce” delivery service such as [Imperfect Foods](https:\/\/www.imperfectfoods.com\/) or [Misfits Market](https:\/\/www.misfitsmarket.com\/) if it’s cost effective and delivers in your area.\n\n## Be a Smart Souvenir Shopper\n![salt water taffy](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/223-20160429-044241-4015-121615_best_money_savi.original.jpg)\n\nBrent Hofacker\/shutterstock\n\nWhen taking a trip or traveling to a new state, look for representative souvenirs that are small, lightweight, and inexpensive. Macadamia nuts or Kona coffee from Hawaii, saltwater taffy from the New Jersey shore, or an album from one of Nashville’s well-known record shops are examples.\n\n## Get Hotel Rewards\n![senior couple at hotel counter](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/745-20160429-044237-4015-121615_best_money_savi.original.jpg)\n\nKzenon\/shutterstock\n\nEven infrequent travelers can save money by enrolling in hotel loyalty programs. Basic membership comes with late checkout and complimentary newspapers at some chains.\n\n## Consider a Credit Union\n![African American woman shaking hands with bank worker](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/011718_credit_union_slide_0_fs.original.jpg)\n\nsimonkr\/istockphoto\n\n[Credit unions](https:\/\/www.cheapism.com\/credit-union-18566\/) are nonprofits owned cooperatively by members (people with an account at the credit union). They offer many of the same services as banks but give more savings and profits to members. Fees and interest rates may be lower on credit cards and loans, and checking and savings accounts may pay higher interest compared with other financial services firms.\n\n## Share and Save\n![man starting up lawn mower](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/072516_what_to_buy_in_august_2016_slide_7_fs.original.jpg)\n\nPhotographee.eu\/shutterstock\n\nFamilies, friends, and neighbors can share all sorts of things to save money. Power tools, lawn mowers, and luggage are just the start. Look for ongoing savings by sharing phone plans or streaming video subscriptions, too.\n\n## Don’t Fall Victim to Nuisance Debt\n![person holding past due notices](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/815-20160429-044227-4015-121615_best_money_savi.original.jpg)\n\nAndrey\\_Popov\/shutterstock\n\nSmall debts can have a large effect on a credit score if they go unpaid and get passed on to a collections agency. Newer credit scoring models ignore debts of less than \\$100, but not all lenders use the latest models.\n\n## Leave the Kids Home When You Shop\n![woman in a supermarket with list](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/120817_christmas_outsourcing_help_slide_10_fs.original.jpg)\n\ngilaxia\/istockphoto\n\nChildren are fountains of endless desires, and stores understand this, often positioning kid-targeted merchandise right where youngsters will see it. So outsmart the masters of marketing and keep the kids out of the equation. Maybe even offer to trade babysitting time with other parents to do so.\n\n## Do Your Own Car Maintenance\n![brake disc system without wheel in the vehicle for repair](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_93_fs.original.jpg)\n\nWaranya Sawasdee\/istockphoto\n\nSome car repairs, such as an oil change or brake pad replacement, are relatively easy DIY chores. Other fixes generally require a trained mechanic and could be costly. If a problem arises after the warranty has expired, it may be possible to save money by contacting the manufacturer for “goodwill assistance.”\n\n## Fight the Temptation to Eat Out\n![slow cooker on kitchen countertop](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/iStock-93529521.original.jpg)\n\nmatt6t6\/istockphoto\n\nKeep food costs down by buying in bulk, using a slow cooker, [eating at home](https:\/\/www.cheapism.com\/homemade-takeout-meals-4321\/), and saving leftovers for another meal. Keep small snacks in the car or at work to avoid the urge to go to restaurants.\n\n## Keep the Grocery Budget Low\n![woman writing list in grocery store](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/357-20160429-044217-4015-121615_best_money_savi.original.jpg)\n\nwavebreakmedia\/shutterstock\n\nTo [keep from overspending at the grocery store](https:\/\/www.cheapism.com\/grocery-saving-tips-14650\/), eat before going shopping, make a list, and use only a set amount of cash to buy food. (Splurge once in a while to keep things interesting.)\n\n## Buy a Mattress Online\n![playful woman with her partner while he is moving in a matress into their new place](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_96_fs.original.jpg)\n\nHispanolistic\/istockphoto\n\nMany sound sleepers advocate [buying a mattress online](https:\/\/www.cheapism.com\/cheap-mattresses\/). Shops such as Casper, Leesa, and Tuft & Needle sell high-quality foam mattresses starting around \\$500. Search for discounts and coupon codes for further savings. There are also inexpensive options on Amazon, but they don’t offer the same warranties or trial period.\n\n## Improve Gas Mileage\n![close up of man crouching on the gas station and inflating tire](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_97_fs.original.jpg)\n\ndusanpetkovic\/istockphoto\n\nStart tracking your vehicle’s gas mileage, and focus on ways to improve it. Some simple tips include maintaining proper tire pressure, checking the tire alignment, and accelerating slowly.\n\n## Shop Costco Without a Membership\n![Costco cart](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/493-20160429-044218-4015-121615_best_money_savi.original.jpg)\n\na katz\/shutterstock\n\nCostco doesn’t require a membership for every purchase. Anyone can eat at the food court or get a flu shot. In some states, nonmembers can buy alcohol, as well.\n\n## Keep Vet Bills Low\n![vet smiling and hugging dog](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/511-20160429-044218-4015-121615_best_money_savi.original.jpg)\n\nVGstockstudio\/shutterstock\n\nTo save money on pet care, shop around before choosing a vet. Look for discount packages and focus on preventive care. Regular exercise and a proper diet of high-quality food are keys to keeping pets healthy.\n\n## Get a Side Gig\n![tutor teaching teen](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/719-20160429-044227-4015-121615_best_money_savi.original.jpg)\n\ncomodigit\/shutterstock\n\nCutting back can help only so much, and there are lots of ways [to make money on the side](https:\/\/www.cheapism.com\/best-part-time-gigs\/). Become a mystery shopper, tutor, organize or clean homes, babysit, or drive people using a ride-share app.\n\n## Meet the Writer\n### [Louis DeNicola](https:\/\/www.cheapism.com\/louis-denicola\/)\nLouis DeNicola is a freelance personal finance writer who specializes in credit, debt, and practical money-saving tips. He loves stacking savings opportunities to get amazing deals, traveling for free using credit card rewards, and teaching others how to do the same.\n\nConnect with Louis by visiting louisdenicola.com.\n\n## More Topics in Money\n- [Business](https:\/\/www.cheapism.com\/category\/money\/business\/)\n- [Careers](https:\/\/www.cheapism.com\/category\/money\/careers\/)\n- [Housing & Real Estate](https:\/\/www.cheapism.com\/category\/money\/housing-real-estate\/)\n- [Living on a Budget](https:\/\/www.cheapism.com\/category\/money\/living-on-a-budget\/)\n- [News](https:\/\/www.cheapism.com\/category\/money\/news\/)\n- [Personal Finance](https:\/\/www.cheapism.com\/category\/money\/personal-finance\/)\n- [Retirement](https:\/\/www.cheapism.com\/category\/money\/retirement\/)\n- [Taxes](https:\/\/www.cheapism.com\/category\/money\/taxes\/)\n\n## More Posts From Money[View All](https:\/\/www.cheapism.com\/category\/money\/)\n- [![Exterior of Burger King restaurant on clear summer day](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/08\/Burger-King.original-570x380.jpg)](https:\/\/www.cheapism.com\/burger-king-hiring-spree\/)\n  \n  Jonathan Weiss \/ shutterstock\n  [Money](https:\/\/www.cheapism.com\/category\/money\/) \/ [Careers](https:\/\/www.cheapism.com\/category\/money\/careers\/)\n  \n  ### [Looking for a Job? Burger King to Hire 60,000 Workers Across the US](https:\/\/www.cheapism.com\/burger-king-hiring-spree\/)\n  April 6, 2026\n- [![Luggage on a baggage claim conveyor belt](https:\/\/www.cheapism.com\/wp-content\/uploads\/2022\/09\/Checked_Baggage.original-570x380.png)](https:\/\/www.cheapism.com\/united-and-jet-blue-just-raised-baggage-fees\/)\n  \n  BrianAJackson\/istockphoto\n  [Travel](https:\/\/www.cheapism.com\/category\/travel\/)\n  \n  ### [Another Hit for Travelers: United and JetBlue Just Raised Baggage Fees](https:\/\/www.cheapism.com\/united-and-jet-blue-just-raised-baggage-fees\/)\n  April 6, 2026\n- [![A barista hands a cup of coffee with latte art to a customer across a counter in a café; stacks of napkins and cups are visible in the background.](https:\/\/www.cheapism.com\/wp-content\/uploads\/2026\/04\/coffee-shop-570x380.jpg)](https:\/\/www.cheapism.com\/overpriced-items-people-still-pay-for\/)\n  \n  AsiaVision\/istockphoto\n  [Money](https:\/\/www.cheapism.com\/category\/money\/) \/ [Personal Finance](https:\/\/www.cheapism.com\/category\/money\/personal-finance\/)\n  \n  ### [‘Boggles My Brain:’ Why Are People Still Paying for These Ridiculously Overpriced Items?](https:\/\/www.cheapism.com\/overpriced-items-people-still-pay-for\/)\n  April 3, 2026\n- [![mcdonalds-best-fast-food](https:\/\/www.cheapism.com\/wp-content\/uploads\/2024\/10\/mcdonalds-best-fast-food.original-scaled.jpg)](https:\/\/www.cheapism.com\/mcdonalds-new-value-menu-under-3\/)\n  \n  McDonald’s\n  [Food & Drink](https:\/\/www.cheapism.com\/category\/food-drink\/) \/ [Fast Food](https:\/\/www.cheapism.com\/category\/food-drink\/fast-food\/)\n  \n  ### [10 Items Under \\$3: Is McDonald’s New Value Menu Finally Giving Our Wallets a Break?](https:\/\/www.cheapism.com\/mcdonalds-new-value-menu-under-3\/)\n  April 2, 2026\n\n## More Topics in Money\n- [Business](https:\/\/www.cheapism.com\/category\/money\/business\/)\n- [Careers](https:\/\/www.cheapism.com\/category\/money\/careers\/)\n- [Housing & Real Estate](https:\/\/www.cheapism.com\/category\/money\/housing-real-estate\/)\n- [Living on a Budget](https:\/\/www.cheapism.com\/category\/money\/living-on-a-budget\/)\n- [News](https:\/\/www.cheapism.com\/category\/money\/news\/)\n- [Personal Finance](https:\/\/www.cheapism.com\/category\/money\/personal-finance\/)\n- [Retirement](https:\/\/www.cheapism.com\/category\/money\/retirement\/)\n- [Taxes](https:\/\/www.cheapism.com\/category\/money\/taxes\/)\n\n[![Logo for \"Cheapism\" with the word in bold purple letters. The letter \"C\" resembles a cent symbol, encircled by an orange outline.](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/cheapismLOGO_fullcolor.svg)](https:\/\/www.cheapism.com\/)\n\nSign up for our newsletter\n\n- [Facebook](https:\/\/www.facebook.com\/Cheapism\/)\n- [X](https:\/\/www.x.com\/cheapism)\n- [Instagram](https:\/\/www.instagram.com\/cheapism)\n- [TikTok](https:\/\/www.tiktok.com\/@cheapism)\n- [YouTube](https:\/\/www.youtube.com\/@Cheapism99)\n\n- [Privacy Policy](https:\/\/www.cheapism.com\/privacy\/)\n- [Terms & Conditions](https:\/\/www.cheapism.com\/terms\/)\n\nCopyright 2026 Cheapism\n\n## Company\n- [About Us](https:\/\/www.cheapism.com\/about-us\/)\n- [Contact](https:\/\/www.cheapism.com\/contact\/)\n- [In the News](https:\/\/www.cheapism.com\/in-the-news\/)\n- [Jobs](https:\/\/www.cheapism.com\/jobs\/)\n\nCopyright 2026 Cheapism","attrs_readable_markdown":"There are a lot of ways to waste money, and the pandemic hasn’t made anything any easier. But fortunately, there are also a lot of ways to save. From [lowering your utility costs](https:\/\/www.cheapism.com\/energy-conservation-myths\/) to coupon sites, this roundup of 100 money-saving, reward-earning, and frugal-living tips will help you stay ahead of the game financially. Keep it handy by bookmarking it in your favorite browser and on your smartphone.\n\n**Related:** [Household Products That Are a Complete Waste of Money](https:\/\/www.cheapism.com\/useless-products-17711\/)\n\n## Cut the Cord\n![Netflix Begins Streaming in 2007](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/081417_history_of_retail_slide_50_fs.original.jpg)\n\nKaspars Grinvalds\/shutterstock\n\nConsumers can save by joining the cord-cutting revolution and opting for a streaming stick from Roku, Google, or Amazon, or a set-top box such as Apple TV. Even subscribing to more than one streaming service, monthly entertainment [costs can dip dramatically](https:\/\/www.cheapism.com\/best-streaming-services\/) without a cable subscription, and there is still plenty to watch.\n\n**Related:** [Awesome Gifts for Couch Potatoes and TV Lovers](https:\/\/www.cheapism.com\/gift-ideas-couch-potato-14832\/)\n\n## Dress Up for Less\n![two young women choosing dresses in a luxury fashion store](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_2_fs.original.jpg)\n\npixelfit\/istockphoto\n\nWant the outfit worn by a celebrity? It may be possible to find [a similar look for a lot less](https:\/\/www.cheapism.com\/shoe-knockoffs-boot-lookalikes\/) at a low-price apparel chain such as Old Navy — or get the very same look short term at a site such as Rent the Runway.\n\n## Insist on No-Fee Banking\n![cash withdrawal in dollars from an ATM](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_3_fs.original.jpg)\n\nViktoriiaNovokhatska\/istockphoto\n\nSwitch to a bank with fee-free checking and ATM use or fee reimbursement — often available from smaller local banks or [credit unions](https:\/\/www.cheapism.com\/credit-union-18566\/). These institutions also typically offer checking accounts with no minimums and [lower fees than large banks](https:\/\/www.cheapism.com\/big-banks-disadvantages\/). Explore online services from Charles Schwab, Ally Bank, or USAA Bank (for members and relatives of military members and veterans).\n\n## Spend Less to See Movies\n![One Man in an Empty Theater stock photo](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/PSX_20200806_073235.original.jpg)\n\npatrickheagney\/istockphoto\n\nMovie-going is an iffy proposition these days, but when cinemas reopen in full you’ll want to think about saving money by buying tickets in bulk at warehouse clubs or straight from theater chains, attending matinees, going on discount days, and avoiding the overpriced snack bar.\n\n## Dine Where Kids Eat Free\n![child eating burger at fast food place](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/741-20160429-044240-4015-121615_best_money_savi.original.jpg)\n\nAlinute Silzeviciute\/shutterstock\n\nAt least five days of the week (generally not Friday and Saturday) there’s a restaurant chain that lets [kids eat for free](https:\/\/www.cheapism.com\/kids-eat-free-restaurant-deals-16154\/) after the purchase of an adult entree. Clearly the pandemic has wreaked havoc on the restaurant industry with [many chains closing locations](https:\/\/www.cheapism.com\/restaurant-chains-closing-locations-this-year\/), but many still have kids-eat-free offers and other [family friendly deals](https:\/\/www.cheapism.com\/family-fast-food-deals\/).\n\n**Related:** [The Best Value Meal Deals at Chains Across the Country](https:\/\/www.cheapism.com\/best-value-meal-deals-15294\/)\n\n## Drop Unused Memberships\n![gym](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/801-20160429-044242-4015-121615_best_money_savi.original.jpg)\n\nSerghei Starus\/shutterstock\n\nCheck monthly bills and think twice about memberships that aren’t used often. Whether it’s a subscription box with products that aren’t often to your liking or an infrequently visited gym (which may still be a good place to avoid these days), if the service isn’t providing value, stop paying for it.\n\n**For more great money-saving tips,** [please sign up for our free newsletters](https:\/\/cheapism.us14.list-manage.com\/subscribe?u=de966e79b38e1d833d5781074&id=c14db36dd0).\n\n## Find Free Fun\n![couple hiking in the woods](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/857-20160422-022211-041116_cheap_hiking_gear_sl.original.jpg)\n\nMaridav\/shutterstock\n\nCut your entertainment budget: Spend a day outdoors hiking along one of the many [beautiful trails this country has to offer](https:\/\/www.cheapism.com\/best-hiking-trails-3536\/). If it’s cold, check out [bookstores so cool that visiting is worth it](https:\/\/www.cheapism.com\/best-bookstores\/) even without a purchase.\n\n## Pay Off Credit Cards\n![credit card and statement](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/417-20160429-044225-4015-121615_best_money_savi.original.jpg)\n\njason cox\/shutterstock\n\nIt’s a myth that keeping a small balance on a credit card [improves credit scores](https:\/\/www.cheapism.com\/credit-score-myths-3798\/). On the contrary: Paying off balances can help cardholders boost their scores — and save money by avoiding interest payments.\n\n### Sign up for our newsletter\nSubscribe to Cheapism and get exclusive tips, top deals, and money-saving ideas sent directly to you.\n## Take Advantage of Libraries\n![African American woman in library reading a book](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/020818_warning_signs_youre_50_slide_18_fs.original.jpg)\n\nkali9\/istockphoto\n\nLibraries do more than offer free books; they rent movies and ebooks inexpensively and host classes of all sorts, among other services. [Libraries are also accommodating workspaces](https:\/\/www.cheapism.com\/amazing-libraries-all-50-states-4230\/) — they’re quiet and there’s no need to buy coffee or a snack every few hours.\n\n## Seek Out Offbeat Attractions\n![Cadillac Ranch, Texas](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/802-20160429-045706-3715-072015_rdsd_attrctns_s.original.jpg)\n\nSeek Out Offbeat Attractions by [Richie Diesterheft (](https:\/\/www.flickr.com\/people\/10058483@N00)[(CC BY))](https:\/\/creativecommons.org\/licenses\/by\/4.0\/)\n\nLooking for an cheap or free vacation thrill? There’s something [unexpected or off the beaten path in every state](https:\/\/www.cheapism.com\/weird-roadside-attractions-17021\/), from an inn shaped like a giant beagle to the famed Cadillac Ranch in Texas.\n\n**Related:** [50 Picturesque Road Trips for Safer Travel During the Pandemic](https:\/\/www.cheapism.com\/safe-road-trips\/)\n\n## Ask About Senior Discounts\n![Seniors talking to waitress at restaurant](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/Senior_Discount.original.jpg)\n\nmonkeybusinessimages\/istockphoto\n\nThe age for senior discounts may be as young as 50 [at restaurants, grocery stores, and clothing retailers](https:\/\/www.cheapism.com\/senior-discounts-list\/). With deals ranging from 5% to 50% off, make sure to ask.\n\n## Don’t Write Off Boutique Hotels, Airbnb, or Vrbo\n![African woman pulling the curtains in hotel room, in the morning](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_12_fs.original.jpg)\n\nvalentinrussanov\/istockphoto\n\nWhen travel hits full stride again post-pandemic, travelers looking for an alternative to a generic room in a large hotel chain property can opt for an inexpensive boutique hotel. There are options across the country worth considering, and rates can be as low as \\$50 a night. Airbnb and Vrbo sites can also provide unique experiences, whether you want an [Airstream trailer](https:\/\/www.cheapism.com\/coolest-airstream-airbnbs\/), [winter cabin](https:\/\/www.cheapism.com\/best-winter-airbnb\/) or a [Hobbit hole](https:\/\/www.cheapism.com\/amazing-airbnbs\/).\n\n## Book Slightly Outside of Town\n![hotel doorway with open door in front of blur bedroom background](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_13_fs.original.jpg)\n\nundefined undefined\/istockphoto\n\nHotels are often cheaper farther from the city center or from major attractions. This isn’t always true at holiday times, though. That’s when business travel is at a lull, and rates may fall in a city’s financial district. Also, be sure to keep an eye peeled for [hotel freebies](https:\/\/www.cheapism.com\/secret-hotel-perks-17133\/), such as snacks and entertainment.\n\n## Avoid Baggage Fees\n![smiling young businesswoman stands in the aisle of a commercial airliner and places her carry on bag in the overhead bin](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_14_fs.original.jpg)\n\nSDI Productions\/istockphoto\n\nEven if flying isn’t on your immediate agenda, you’ll want to remember that many airlines charge for checked bags. But there are [ways to fit everything into a carry-on](https:\/\/www.cheapism.com\/carry-on-packing-tips-3705\/) and otherwise [eliminate or reduce airline baggage fees](https:\/\/www.cheapism.com\/us-domestic-airline-fees\/). Watch out for budget airlines that collect fees even for carry-ons and fare classes, such as one one on [United](https:\/\/www.united.com\/web\/en-US\/content\/travel\/inflight\/basic-economy.aspx), that also limits free baggage to one personal item.\n\n## Try a Home Juicer\n![fruits being juiced by juicer](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/iStock-507774793.original.jpg)\n\nsimpson33\/istockphoto\n\nInstead of buying bottled juices or doing a pricey, prepackaged cleanse, use a home juicer. The time commitment and cleanup are not for everyone, so [start with a cheap juicer](https:\/\/www.cheapism.com\/cheap-juicer-recommendations-18484\/) and upgrade if juicing turns into an ongoing thing.\n\n## Learn Price Code Secrets\n![jeans with price tag](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/902-20160429-044220-4015-121615_best_money_savi.original.jpg)\n\nAnan Kaewkhammul\/shutterstock\n\nMany retailers use price codes (for example, a price that ends in .97) on tags to indicate whether an item is a final markdown or may be discounted further.\n\n## Negotiate\n![couple buying car at dealership](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/548-20160429-044220-4015-121615_best_money_savi.original.jpg)\n\nSyda Productions\/shutterstock\n\nNegotiating makes sense more often than you might expect. With market information in hand, go straight to the manager at a rental car agency or hotel and try to wrangle a deal. No luck lowering the price? Try getting more value with an upgrade or fee waiver.\n\n## Install a Programmable Thermostat\n![woman's hand setting the room temperature on a modern programmable thermostat](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/thermostats_2500.original.jpg)\n\nSteve Cukrov\/shutterstock\n\nSmart thermostats [can be real money savers](https:\/\/www.cheapism.com\/will-smart-home-thermostat-pay-itself-15897\/) — they learn residents’ preferences and can be controlled from afar — but even a [cheap programmable thermostat](https:\/\/www.cheapism.com\/cheap-thermostats\/) set at a reasonable temperature can save \\$180 a year on average, according to the federal government’s Energy Star program.\n\n## Sell Clothes\n![young woman is sorting out wardrobe](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_19_fs.original.jpg)\n\nurbazon\/istockphoto\n\nEarn extra cash by [selling unwanted clothing](https:\/\/www.cheapism.com\/sell-your-clutter-online-16161\/) on websites such as Poshmark, Vinted, ThredUp, or The RealReal.\n\n## Rent and Swap Toys\n![woman donating unwanted items to charity shop](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/120916_tax_deductible_donations_2016_slide_7_fs.original.jpg)\n\nSpeedKingz\/shutterstock\n\nDon’t waste money on toys that children will cast aside after a few months. Instead, consider toy swaps with local parents.\n\n**Related:** [Ways Parents Waste Money on Kids](https:\/\/www.cheapism.com\/expensive-parenting\/)\n\n## Don’t Go Overboard for Savings\n![coupons and sissors](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/917-20160429-050657-3276-120314_online_shopping.original.jpg)\n\nCarolyn Franks\/shutterstock\n\nBeing [too cheap](https:\/\/www.cheapism.com\/frugal-money-saving-habits-17321\/) may not be financially wise. Don’t blindly choose the [least expensive item when it’s low-quality](https:\/\/www.cheapism.com\/dont-be-cheap\/), for instance. And make sure extreme couponing or a long drive to find the cheapest gas isn’t wasting more time than it’s worth.\n\n## Buy Generic Food and Drugs\n![aspirin pills](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/619-20160429-044232-4015-121615_best_money_savi.original.jpg)\n\nShane Maritch\/shutterstock\n\nDoctors tend to buy generic versions of [common medications](https:\/\/www.cheapism.com\/drug-costs\/), and chefs buy store-brand baking supplies such as brown sugar. Private labels and generics usually [cost less for the same quality](https:\/\/www.cheapism.com\/pharmacies\/).\n\n**Related:** How Seniors Can Save on Health Care\n\n## Shop for a Diamond Online\n![diamond](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/225-20160429-044232-4015-121615_best_money_savi.original.jpg)\n\nsumire8\/shutterstock\n\nLooking for a diamond ring for a holiday engagement? Get a good price by shopping online and knowing the five C’s: clarity, color, cut, carat, and certification. Don’t compromise on cut, which makes a diamond sparkle, but a low clarity or color grade is harder to notice and can make a large stone more affordable. Also consider alternative synthetic diamonds or alternative gemstones.\n\n## Use Veterans’ Discounts\n![relieved little girl hugs her mom after her mom's return home from military service](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_25_fs.original.jpg)\n\nSDI Productions\/istockphoto\n\nVeterans can take advantage of a slew of [discounts and benefits year-round](https:\/\/www.cheapism.com\/disabled-veterans-death-education-benefits-14849\/). Lowe’s, for example, offers 10% off to active and retired military and those receiving Veterans Affairs benefits.\n\n## Seek Alternative Phone Service\n![Closeup of young adults using smart phones](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/Phone_Plans.original.png)\n\nmonkeybusinessimages\/istockphoto\n\nEscape the contract and switch to an ultra-cheap phone provider such as FreedomPop or Republic Wireless. They use the same towers as some of the big telecom companies but charge consumers just a fraction of the price.\n\n## Test Out of College Classes\n![hand holding pencil for testing exams writing answer sheet for taking fill in admission exam](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_27_fs.original.jpg)\n\nsmolaw11\/istockphoto\n\nYes, it’s possible to earn a bachelor’s degree for less by testing out of required classes at an accredited college. This path requires a lot of self-discipline but can save tens of thousands of dollars.\n\n## Do Disney on a Budget\n![Disney World Magic Kingdom](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/961px-Cinderella_Castle__Magic_Kingdom.original.jpg)\n\nDisney World Magic Kingdom by [Rstoplabe14 (](https:\/\/en.wikipedia.org\/wiki\/User:Rstoplabe14)[(CC BY-SA))](https:\/\/creativecommons.org\/licenses\/by-sa\/4.0\/)\n\nA trip to see Mickey and the gang may be just a wish upon a star in the near term because of pandemic closures and restrictions, but a visit to the Disney theme parks can be a costly affair. Regular tickets to Disney World are\n\n[more than \\$100](https:\/\/www.cheapism.com\/disney-ticket-prices\/)\n\nfor ages 10 and up, but there are ways to\n\n[save on a Disney trip](https:\/\/www.cheapism.com\/disney-on-a-budget-2017-15101\/)\n\n. One of the best strategies: Bring food, drinks, and even Disney memorabilia bought somewhere besides the overpriced gift shops (tell the kids a favorite character stopped by the hotel to leave them a souvenir). Disney World now allows outside food, and Disney cruises permit up to two bottles of wine or six beers in a carry-on.\n\n## Monitor Credit\n![credit score](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/iStock-1089339790.original.jpg)\n\ntolgart\/istockphoto\n\nDetect fraud early by monitoring credit reports and [checking credit scores for free](https:\/\/www.cheapism.com\/biggest-credit-score-mistakes\/) using a site such as Credit Sesame or Bankrate. Some credit cards now come with a free credit score.\n\n## Get Cash Back\n![African American couple on laptop while sitting on couch](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/111717_hawaii_budget_vacation_slide_19_fs_u8sGs.original.jpg)\n\nkupicoo\/istockphoto\n\nCash-back shopping sites such as Rakuten and Mr. Rebates let consumers earn a percentage of their money back when shopping online. Many rewards credit cards offer a similar perk for online and offline purchases.\n\n## Maintain Low Credit Card Balances\n![things to do today notepad with pay off credit card! written in black pen](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_31_fs.original.jpg)\n\nChrisShirley\/istockphoto\n\nFor a high credit score, don’t spend a large part of each card’s available credit limit. The utilization rate — the percentage of a credit limit that’s being used — is an important credit-scoring factor, and lower is better in the eyes of credit scoring agencies.\n\n## Don’t Let Credit Card Debt Linger\n![Woman with credit card debt](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/Credit_Card_Debt.original.png)\n\nvalentinrussanov\/istockphoto\n\nConsumers who have good credit scores but have trouble paying off credit card debt can move the debt to a card that charges zero interest on transferred balances during a promotional period. Some, but not all, such cards charge a one-time fee equal to a percentage of the amount transferred. Another option: Take out a personal loan with a lower interest rate than the credit cards and use it to pay down the debt.\n\n## Find Promo Codes\n![Woman shopping online at home](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/11017_how_to_lower_monthly_bills_slide_9_fs.original.jpg)\n\nAndreyPopov\/istockphoto\n\nNetting a discount can be as easy as typing the retailer’s name and “coupon codes” into a search engine. Consumers can also check sites such as RetailMeNot, DealNews, and Brad’s Deals for coupon codes before checking out online.\n\n## Go Gift Card Shopping\n![Target gift card](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/Scope_Out_Free_Gift_Card_Deals_In_Store.original.jpg)\n\nScope Out Free Gift Card Deals In Store by [Mike Mozart (](https:\/\/www.flickr.com\/photos\/jeepersmedia\/)[(CC BY))](https:\/\/creativecommons.org\/licenses\/by\/4.0\/)\n\n[Gift Card Granny](https:\/\/www.giftcardgranny.com\/) shows where to buy gift cards online for less than face value — and who says a gift card has to be a gift? Shop at a discount by paying with gift cards at big-name retailers.\n\n## Track Price Drops\n![hand on smartphone comparing prices](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/909-20160429-044230-4015-121615_best_money_savi.original.jpg)\n\nBoriboon Chutikaseam\/shutterstock\n\nSavings need not stop after clicking “buy.” Several price-tracking services alert shoppers to after-the-fact price drops so shoppers can ask for a refund of the difference — or get one automatically (minus a cut for the service). Paribus and Rakuten monitor select retailers, including Amazon, through users’ email accounts. Several credit card issuers offer a similar service for free.\n\n## Invest in Energy-Efficient Upgrades\n![man changing compact-fluorescent (CFL) bulbs with new LED light bulb](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_36_fs.original.jpg)\n\nPornpak Khunatorn\/istockphoto\n\nUpgrade a home and reduce utility costs with energy-efficient light bulbs and appliances. The initial investment will pay for itself over time and the planet will benefit. It’s one of many ways to [reduce utility costs](https:\/\/www.cheapism.com\/how-to-reduce-heating-costs-3939\/) during the winter.\n\n## Steer Clear of Hotel Minibars\n![hotel minibar](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/513-20160429-044223-4015-121615_best_money_savi.original.jpg)\n\nVereshchagin Dmitry\/shutterstock\n\nIt’s not as simple as refraining from eating or drinking anything. Some hotel minibars have a built-in sensor that may be triggered by merely moving items. Look over the bill before checking out to make sure there aren’t any accidental charges.\n\n## Reject Unnecessary Purchases\n![row of kitchen appliances on countertop](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/771-20160429-044222-4015-121615_best_money_savi.original.jpg)\n\nkazoka\/shutterstock\n\nAvoid buying things that probably will not be used more than once, such as formalwear (rent instead), specialty kitchen appliances (which lose their novelty quickly), and power tools (rent from home improvement stores or borrow from local sources).\n\n## Put Credit Card Perks to Work\n![credit card in charger machine](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/592-20160429-044221-4015-121615_best_money_savi.original.jpg)\n\nalice-photo\/shutterstock\n\nMany credit cards offer extended warranties, full refunds if items are damaged or stolen up to 90 days after purchase, zero liability for fraudulent charges, and [rewards programs that earn the cardholder money back](https:\/\/www.cheapism.com\/credit-debit-card-perks-14670\/) on every purchase. Look at what’s included before buying additional coverage.\n\n## Be a Cheap Date\n![couple volunteering](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/598-20160429-044233-4015-121615_best_money_savi.original.jpg)\n\nwavebreakmedia\/shutterstock\n\nLooking for [inexpensive date ideas](https:\/\/www.cheapism.com\/cheap-summer-dates-16813\/)? Instead of dinner and a movie, try wine tasting, volunteering, going to an arcade, or checking out a local tourist attraction that’s often overlooked by residents.\n\n## Don’t Rent a Modem or Router\n![router](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/959-20160429-044221-4015-121615_best_money_savi.original.jpg)\n\nKostsov\/shutterstock\n\nBuy a wireless router or modem rather than renting one from an internet service provider. The purchase often pays for itself in less than a year.\n\n## Escape Foreign Transaction Fees\n![hand holding credit card in shop](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/313-20160429-044225-4015-121615_best_money_savi.original.jpg)\n\ndean bertoncelj\/shutterstock\n\nGet a credit card that does not charge extra for foreign transactions. This can\n\n[come in handy when international travel returns to normal](https:\/\/www.cheapism.com\/budget-international-travel-tips-3528\/)\n\nor when making purchases in a foreign currency while at home.\n\n## Make Razors Last\n![razor](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/437-20160429-044235-4015-121615_best_money_savi.original.jpg)\n\nAsier Romero\/shutterstock\n\nSave money on razors by drying the blades after each use and storing them in a dry space. This simple step can prolong the life of a razor blade by months. For more savings, consider switching to a service that delivers inexpensive blades.\n\n## Buy in Bulk for School Lunches\n![Costco](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/806-20160429-044219-4015-121615_best_money_savi.original.jpg)\n\nmandritoiu\/shutterstock\n\nSave on school lunches by buying ingredients in bulk and packing in reusable containers, instead of buying single-serving packages.\n\n**Related:** [Super Easy School Lunches](https:\/\/www.cheapism.com\/easy-school-lunches-14435\/)\n\n## Enjoy Free Samples\n![makeup samples](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/532-20160429-044240-4015-121615_best_money_savi.original.jpg)\n\nAmazon\n\nInfluenster and BzzAgent [send free samples](https:\/\/www.cheapism.com\/test-products-get-free-stuff\/), and sometimes free full-size products, to consumers who write short reviews or tell friends about the products.\n\n## Adopt the Right Pet\n![young and happy family adopting a dog in dog's shelter](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_47_fs.original.jpg)\n\nhedgehog94\/istockphoto\n\nConsidering a new pet? Experts say purebred cats and dogs are most prone to illness — and the accompanying vet bills. In general, the [least expensive animals](https:\/\/www.cheapism.com\/6-cheap-pets-offer-protection\/) to care for are small, female mixed breeds that have been spayed.\n\n**Related:** [Dogs That Don’t Shed](https:\/\/www.cheapism.com\/dogs-that-dont-shed\/)\n\n## Clean With Microfiber Cloths\n![hand cleaning desk with yellow cloth at home](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_48_fs.original.jpg)\n\nhumonia\/istockphoto\n\nMicrofiber cleaning cloths generally cost more than standard cotton towels, but even the priciest options pay for themselves over time when factoring in durability and savings on cleaning products.\n\n## Have a Taco (or Two)\n![tacos being served at a taco truck](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_49_fs.original.jpg)\n\nBen Wehrman\/istockphoto\n\nNo matter the day of the week, tacos are a delicious and inexpensive food. There are iconic taco shops (or trucks) across the country that are worth checking out.\n\n## Save With Apps\n![hand with mobile in grocery store](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/820-20160429-044238-4015-121615_best_money_savi.original.jpg)\n\nLDprod\/shutterstock\n\nUse mobile apps to help save money while shopping for groceries, clothing, and everything else. Try RetailMeNot, Ibotta, Checkout 51, Grocery Smarts, SmartSource, and the Coupons app.\n\n## Make Clothes Last\n![young woman doing her laundry at home](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_51_fs.original.jpg)\n\nPeopleImages\/istockphoto\n\nTo prolong the life of clothing, wash clothes in cold water, don’t use wire hangers, set the dryer on low, or hang dry washables.\n\n**Related:** [How to Go as Long as Possible Without Doing Laundry](https:\/\/www.cheapism.com\/how-to-do-less-laundry\/)\n\n## DIY Yardwork\n![rake with fall leaves](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/101518_fitness_slide12.original.jpg)\n\nElenathewise\/istockphoto\n\nInstead of [farming out your yardwork](https:\/\/www.cheapism.com\/cheap-gardening-ideas-16747\/) to a lawn service, so to speak, dig in and take care of it yourself. Lawn services can charge \\$35 or more for an average size yard.\n\n## Plant a Garden\n![male farmer working in a vegetable garden](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/26911-11.original.jpg)\n\nshapecharge\/istockphoto\n\nTake the DIY yardwork a step further by planting a garden that can provide cheap, homegrown fruits and vegetables. [Initial expenses are minimal,](https:\/\/www.cheapism.com\/home-gardening-tips-17060\/) and if you end up with more produce than you can use, you can [freeze it for later](https:\/\/www.cheapism.com\/how-to-freeze-vegetables-3767\/).\n\n## Unplug\n![electrical power cord on white background](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_53_fs.original.jpg)\n\nslobo\/istockphoto\n\nUnplugging DVR cable boxes, computers, and other appliances when they’re not in use could knock \\$200 a year off the electric bill, according to the National Renewable Energy Laboratory, but ending “vampire drain” is only one of many ways to save on energy costs.\n\n## Keep the Wedding Simple\n![flowers decoration in lanterns](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/shutterstock_218297722.original.jpg)\n\nAndrii Oleksiienko\/shutterstock\n\nLarge floral centerpieces, paying for an open bar, and extravagant extras such as an ice sculpture can add up quickly. Consider a [simple wedding](https:\/\/www.cheapism.com\/destination-wedding-alternatives\/) and put the savings toward a goal such as buying a home or paying down debts.\n\n**Related:** Things You Won’t See at Weddings in the Coronavirus Era\n\n## Book Travel Directly\n![tourist woman in hotel room making credit card reservation for flight](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_55_fs.original.jpg)\n\nmartin-dm\/istockphoto\n\nBooking directly with travel providers can yield savings and extra perks, such as free Wi-Fi, fewer hidden fees, and more flexibility.\n\n## Some Things Are Worth a Little More\n![cooking in kitchen with flame](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/230-20160429-044223-4015-121615_best_money_savi.original.jpg)\n\nKzenon\/shutterstock\n\nDon’t go rock-bottom-cheap on these household items: skillets, knives, storage containers, furniture, and vacuums. Stepping up a bit in price is worthwhile to net [goods that will last](https:\/\/www.cheapism.com\/items-to-splurge-on-18061\/) and save money in the long run.\n\n## Take Volunteer Vacations\n![woman volunteer cleaning on the beach](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/346-20160429-044223-4015-121615_best_money_savi.original.jpg)\n\nwavebreakmedia\/shutterstock\n\nHere’s another travel alternative to consider when pandemic restrictions ease. For a way to see the world and also give back, consider a [volunteer vacation](https:\/\/www.cheapism.com\/ecotourism-vacations\/). The experience can be personally rewarding and much less expensive than a resort.\n\n## Shop At Stores With Generous Return Policies\n![Nordstrom store](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/102816_retail_holiday_hiring_2015_vs_2016_slide.original_OvDzSqx.jpg)\n\nMichael Gordon\/shutterstock\n\nTake the stress out of shopping and guarantee a purchase will be appreciated by going to stores with good, [consumer-friendly return policies](https:\/\/www.cheapism.com\/store-return-policies\/). Nordstrom is a longtime favorite, and there are several other stores with similar approaches, [including Costco](https:\/\/www.cheapism.com\/costco-return-policy\/).\n\n## Take Alternative Transportation\n![business man walking down steps while carrying his bicycle](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121316_new_year_resolutions_that_save_money_sli.original_rnCsQRG.jpg)\n\nLucky Business\/shutterstock\n\nElectric bikes and scooters offer inexpensive and relatively sweat-free alternatives to a car for consumers eager to cut transportation costs.\n\n**Related:** [Best Cities for Living Without a Car](https:\/\/www.cheapism.com\/cities-to-live-without-a-car-4078\/)\n\n## Send Inexpensive Flowers\n![pink carnations](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/578-20160429-044234-4015-121615_best_money_savi.original.jpg)\n\nHong Vo\/shutterstock\n\nChrysanthemums, carnations, and alstroemerias (Peruvian lilies) cost less than roses and last longer. No matter the type of flowers, call a local florist near the recipient instead of ordering online. The florist may offer savings or prepare a better bouquet for the same price.\n\n## Reject Weight-Loss Gimmicks\n![overweight woman taking pills for weight loss](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_61_fs.original.jpg)\n\nVadym Petrochenko\/istockphoto\n\nSome weight-loss methods are too good to be true. Avoid paying for creams, seven-minute workouts, shakes, pills, and fad diets that do not address the needs of the body as a whole. Choose a plan that emphasizes healthy eating and exercise over a quick fix. The instilled habits are more valuable in the long run.\n\n## Try Name-Your-Price Shopping\n![African American woman photographing her food on a cafe counter](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/022118_ways_to_make_extra_money_slide_30_fs.original.jpg)\n\nUberImages\/istockphoto\n\nPriceline, Hotwire, and other travel sites aren’t the only ones that let consumers name the price they want to pay. Greentoe has a similar setup for photography equipment, home theater items, appliances, and more.\n\n## Buy Secondhand\n![thrift shop](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/538-20160429-050534-3474-032715_used_goods_slid.original.jpg)\n\nMatej Kastelic\/shutterstock\n\nGarage sales, thrift stores, and [flea markets](https:\/\/www.cheapism.com\/50-flea-markets-across-america-bargain-hunters-wont-want-miss-4248\/) are brimming with gently used items that may be your next big treasure. [Books, sporting goods, and kids’ clothes](https:\/\/www.cheapism.com\/buying-used-stuff-17327\/) can be had at rock-bottom prices.\n\n## Refinance Private Student Loans\n![students writing tasks on whiteboard in class, laughing with classmates](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_64_fs.original.jpg)\n\nProstock-Studio\/istockphoto\n\nBorrowers whose financial situation has improved since graduation may want to look into refinancing their private student loans to potentially lower interest rates. Lenders look beyond credit scores to the borrower’s income, job, education level, degree, and other financial obligations.\n\n## Reevaluate Federal Student Loans\n![student loan form with dollars and books](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/442-20160429-044229-4015-121615_best_money_savi.original.jpg)\n\ndesigner491\/shutterstock\n\nRefinancing federal student loans can lead to lower interest rates, which can save borrowers money. Be aware, though: After refinancing with a private lender, borrowers are not eligible for federal payment plans based on income or forgiveness programs.\n\n## Lower Auto Insurance Costs\n![Istock 639263298](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/iStock-639263298.original.jpg)\n\nzimmytws\/istockphoto\n\nThere are many ways to get discounts on auto insurance policies: Take a defensive driving class, install an anti-theft device, or use the same company for several types of insurance, for instance.\n\n## Get Teen Discounts on Auto Insurance\n![young woman showing the car keys through the car window](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_67_fs.original.jpg)\n\nMarioGuti\/istockphoto\n\nYoung drivers often must [pay more for auto insurance](https:\/\/www.cheapism.com\/how-to-buy-a-car-for-a-teen\/), but some providers offer discounts to teens who maintain good grades or take driving courses or online classes.\n\n## Buy Renters Insurance\n![note on desk keyboard to call about renters insurance](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_68_fs.original.jpg)\n\nMilaspage\/istockphoto\n\nRenters may benefit from an insurance policy even if they don’t have many possessions. Renters insurance could cover theft of personal property even if it occurs outside the home, and liability protection in the event someone is injured and sues. Buying a fire extinguisher or paying premiums for a full year all at once usually generates a discount.\n\n## Ask About Student Discounts\n![college girls shopping in store](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/463-20160429-044234-4015-121615_best_money_savi.original.jpg)\n\nauremar\/shutterstock\n\nStudents are often on a shoestring budget, but there are plenty of savings opportunities. Some clothing stores, including Madewell, ASOS, and Topshop, offer a 10% to 15% student discount. Restaurants, grocery stores, movie theaters, gyms, and technology companies also offer discounts for students.\n\n## Pay Higher Deductibles\n![close up shot of an insurance policy](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_71_fs.original.jpg)\n\nKameleon007\/istockphoto\n\nTo decrease premiums on your insurance, raise the deductible (the amount the policyholder must pay before the insurance company starts to cover costs).\n\n## Think Twice Before Filing Insurance Claims\n![car with wrecked bumper](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/550-20160429-044219-4015-121615_best_money_savi.original.jpg)\n\nTidarat Tiemjai\/shutterstock\n\nWhen the cost to replace possessions or fix a vehicle is less than an insurance deductible, it may make sense not to make a claim. The policyholder has to pay for the damages out-of-pocket either way, and reporting the incident may result in higher premiums.\n\n## Take Care With a Car\n![man cleaning his car](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/764-20160429-044226-4015-121615_best_money_savi.original.jpg)\n\nPhotographee.eu\/shutterstock\n\nMost people know a new car’s value drops as soon as it’s driven off the lot. Help maintain the value by taking the car in for regular checkups, waxing the exterior, and avoiding eating or drinking inside.\n\n## Use a Standing Desk for Less\n![standing desk](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/373-20160429-044220-4015-121615_best_money_savi.original.jpg)\n\nAmazon\n\nStanding desks can encourage workers to be less sedentary and offer a nice change from sitting in front of a computer all day. Retail prices can reach into the thousands, but there are cheaper alternatives, including a wall-mounted shelf or stacking books or boxes to raise the height of a laptop or monitor. Keep feet relaxed by standing on a folded yoga mat or anti-fatigue mat.\n\n## Adapt to Age Well\n![Seniors exercising outside](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/043018_finding_a_senior_living_community_slide_.original_Z5PNHYQ.png)\n\nRawpixel\/istockphoto\n\nSome basic lifestyle changes can help maintain or improve health as you age. Work in 30 minutes of physical activity a day, get plenty of sleep, and try to minimize sugar intake.\n\n## Consider Refinancing Your Mortgage\n![refinanced mortgage approved](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/286-20160429-044223-4015-121615_best_money_savi.original.jpg)\n\nalexskopje\/shutterstock\n\nRefinancing a mortgage could lead to significant savings. Shop around to [get quotes from different lenders](https:\/\/www.cheapism.com\/mortgage-shopping\/) and consider different loan terms.\n\n## Get Last-Minute Tax Savings\n![1040 tax forms](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/441-20160429-044220-4015-121615_best_money_savi.original.jpg)\n\nSakarin Sawasdinaka\/shutterstock\n\nGet a [tax deduction for the current year](https:\/\/www.cheapism.com\/tax-credits-deductions-write-offs) by contributing to an Individual Retirement Arrangement right up to the tax-filing deadline in the coming year. The IRA contribution limit for 2020 and 2021 is \\$6,000 (\\$7,000 for taxpayers 50 and older).\n\n## Price Match\n![hand with mobile on Amazon](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/312-20160429-044219-4015-121615_best_money_savi.original.jpg)\n\nTwin Design\/shutterstock\n\nSome major retailers, including Walmart, Target, Staples, and Best Buy price match Amazon. There are many exclusions to watch out for, but checking prices with a smartphone before making an in-store impulse buy can yield savings.\n\n## Touch Up a Bathroom Instead of Tearing It Out\n![man fixing up bathroom](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/789-20160429-044225-4015-121615_best_money_savi.original.jpg)\n\nforestpath\/shutterstock\n\nSave on a DIY bathroom remodel by keeping the basic layout the same and making other improvements: installing a new vanity countertop, painting the walls, putting up a new mirror, and regrouting the floor and other tile.\n\n## Deduct Mileage\n![woman in car with clipboard](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/418-20160429-044219-4015-121615_best_money_savi.original.jpg)\n\nKekyalyaynen\/shutterstock\n\nThe IRS has yet to announce the rate for 2022, but small-business owners who record the miles they drive for work could take a deduction of 56 cents a mile in 2021 — a decrease of 1.5 cents from the year before. The rate stayed the same for taxpayers who don’t own a business but drove for charitable purposes, or to and from a volunteer event: 14 cents a mile. For moving or medical purposes, the rate is 16 cents per mile in 2021, down a penny from a year earlier.\n\n## Track Prices\n![woman wearing blue jeans shirt and sunglasses using mobile phone to compare price and holding orange shopping basket in mini mart background](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_80_fs.original.jpg)\n\nTecha Tungateja\/istockphoto\n\nSites such as CamelCamelCamel and PriceSpider monitor the price of goods at stores such as Amazon, Best Buy, and Newegg so shoppers can pounce when the price drops.\n\n## Be Careful Hiring a Contractor\n![team of happy manual workers welcoming a couple to their apartment](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_81_fs.original.jpg)\n\nskynesher\/istockphoto\n\nBefore hiring a contractor, figure out if someone with specialized training is needed and get recommendations from friends and family. Set a budget and ask contractors for an itemized task and quote list. To be safe, budget for cost overruns up to 20% of the initial quote.\n\n## Improve Curb Appeal for Less\n![planting flowers in a garden](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/051618_homeowners_associations_slide_18_fs.original.jpg)\n\nljubaphoto\/istockphoto\n\nPreparing a home for [potential buyers](https:\/\/www.cheapism.com\/selling-your-home\/) or visiting relatives doesn’t have to involve expensive improvements: Clearing the driveway and walkways, cleaning the windows to let in natural light, and decorating the front with all-season plants may be the most important steps.\n\n## Compare Moving Expenses\n![close-up of two delivery men carrying cardboard box](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_83_fs.original.jpg)\n\nAndreyPopov\/istockphoto\n\nThe cost of shipping may be less than renting a truck for a long-haul move for people without large furniture. [Before packing up and moving](https:\/\/www.cheapism.com\/easy-move-17282\/), compare quotes from local moving companies against shipping costs.\n\n## Practice Preventive Care\n![female doctor and female patient discussing](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/030117_free_obamacare_services_slide_16_fs.original.jpg)\n\nBranislav Nenin\/shutterstock\n\nEmergency room visits can cost thousands — or tens of thousands of dollars. Taking [preventive health measures](https:\/\/www.cheapism.com\/preventive-care-to-avoid-financial-catastrophe-14710\/) such as getting regular checkups or screenings, and practicing safe sex could reduce the chances of running into health problems.\n\n## Ignore Pricey Workout Clothes\n![beautiful young black woman shopping for clothes with her caucasian boyfriend](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_85_fs.original.jpg)\n\nJuanmonino\/istockphoto\n\nLululemon and Athleta may be in vogue, but frugal fitness buffs can turn to plenty of places for deals on workout clothes. Check out websites such as The Clymb, ClothingUnder10, and Steep & Cheap, or inexpensive retailers such as Old Navy.\n\n## Try Some Simple Kitchen Hacks\n![banana stems](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/408-20160429-044220-4015-121615_best_money_savi.original.jpg)\n\nHelen’s Photos\/shutterstock\n\nA few simple kitchen hackscan save money and time. To cite just a couple: Wrap banana stems in plastic to keep them fresh longer (keeping the plastic wrap chilled to make it easier to separate and tear) and put marshmallows in brown sugar to keep it soft.\n\n## Peruse Blemished Produce\n![shopping for the freshest produce at the best price](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/030719_grocery_saving_tips_slide_25_fs.original.jpg)\n\nTassii\/istockphoto\n\nGrocery stores often have a section where bruised and overripe produce is [sold at clearance prices](https:\/\/www.cheapism.com\/grocery-stores-food-waste\/). These fruits and vegetables work just fine in sauces, pie fillings, stews, and smoothies. Consider signing up for an “ugly produce” delivery service such as [Imperfect Foods](https:\/\/www.imperfectfoods.com\/) or [Misfits Market](https:\/\/www.misfitsmarket.com\/) if it’s cost effective and delivers in your area.\n\n## Be a Smart Souvenir Shopper\n![salt water taffy](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/223-20160429-044241-4015-121615_best_money_savi.original.jpg)\n\nBrent Hofacker\/shutterstock\n\nWhen taking a trip or traveling to a new state, look for representative souvenirs that are small, lightweight, and inexpensive. Macadamia nuts or Kona coffee from Hawaii, saltwater taffy from the New Jersey shore, or an album from one of Nashville’s well-known record shops are examples.\n\n## Get Hotel Rewards\n![senior couple at hotel counter](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/745-20160429-044237-4015-121615_best_money_savi.original.jpg)\n\nKzenon\/shutterstock\n\nEven infrequent travelers can save money by enrolling in hotel loyalty programs. Basic membership comes with late checkout and complimentary newspapers at some chains.\n\n## Consider a Credit Union\n![African American woman shaking hands with bank worker](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/011718_credit_union_slide_0_fs.original.jpg)\n\nsimonkr\/istockphoto\n\n[Credit unions](https:\/\/www.cheapism.com\/credit-union-18566\/) are nonprofits owned cooperatively by members (people with an account at the credit union). They offer many of the same services as banks but give more savings and profits to members. Fees and interest rates may be lower on credit cards and loans, and checking and savings accounts may pay higher interest compared with other financial services firms.\n\n## Share and Save\n![man starting up lawn mower](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/072516_what_to_buy_in_august_2016_slide_7_fs.original.jpg)\n\nPhotographee.eu\/shutterstock\n\nFamilies, friends, and neighbors can share all sorts of things to save money. Power tools, lawn mowers, and luggage are just the start. Look for ongoing savings by sharing phone plans or streaming video subscriptions, too.\n\n## Don’t Fall Victim to Nuisance Debt\n![person holding past due notices](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/815-20160429-044227-4015-121615_best_money_savi.original.jpg)\n\nAndrey\\_Popov\/shutterstock\n\nSmall debts can have a large effect on a credit score if they go unpaid and get passed on to a collections agency. Newer credit scoring models ignore debts of less than \\$100, but not all lenders use the latest models.\n\n## Leave the Kids Home When You Shop\n![woman in a supermarket with list](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/120817_christmas_outsourcing_help_slide_10_fs.original.jpg)\n\ngilaxia\/istockphoto\n\nChildren are fountains of endless desires, and stores understand this, often positioning kid-targeted merchandise right where youngsters will see it. So outsmart the masters of marketing and keep the kids out of the equation. Maybe even offer to trade babysitting time with other parents to do so.\n\n## Do Your Own Car Maintenance\n![brake disc system without wheel in the vehicle for repair](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_93_fs.original.jpg)\n\nWaranya Sawasdee\/istockphoto\n\nSome car repairs, such as an oil change or brake pad replacement, are relatively easy DIY chores. Other fixes generally require a trained mechanic and could be costly. If a problem arises after the warranty has expired, it may be possible to save money by contacting the manufacturer for “goodwill assistance.”\n\n## Fight the Temptation to Eat Out\n![slow cooker on kitchen countertop](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/iStock-93529521.original.jpg)\n\nmatt6t6\/istockphoto\n\nKeep food costs down by buying in bulk, using a slow cooker, [eating at home](https:\/\/www.cheapism.com\/homemade-takeout-meals-4321\/), and saving leftovers for another meal. Keep small snacks in the car or at work to avoid the urge to go to restaurants.\n\n## Keep the Grocery Budget Low\n![woman writing list in grocery store](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/357-20160429-044217-4015-121615_best_money_savi.original.jpg)\n\nwavebreakmedia\/shutterstock\n\nTo [keep from overspending at the grocery store](https:\/\/www.cheapism.com\/grocery-saving-tips-14650\/), eat before going shopping, make a list, and use only a set amount of cash to buy food. (Splurge once in a while to keep things interesting.)\n\n## Buy a Mattress Online\n![playful woman with her partner while he is moving in a matress into their new place](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_96_fs.original.jpg)\n\nHispanolistic\/istockphoto\n\nMany sound sleepers advocate [buying a mattress online](https:\/\/www.cheapism.com\/cheap-mattresses\/). Shops such as Casper, Leesa, and Tuft & Needle sell high-quality foam mattresses starting around \\$500. Search for discounts and coupon codes for further savings. There are also inexpensive options on Amazon, but they don’t offer the same warranties or trial period.\n\n## Improve Gas Mileage\n![close up of man crouching on the gas station and inflating tire](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/121019_best_money_saving_slide_97_fs.original.jpg)\n\ndusanpetkovic\/istockphoto\n\nStart tracking your vehicle’s gas mileage, and focus on ways to improve it. Some simple tips include maintaining proper tire pressure, checking the tire alignment, and accelerating slowly.\n\n## Shop Costco Without a Membership\n![Costco cart](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/493-20160429-044218-4015-121615_best_money_savi.original.jpg)\n\na katz\/shutterstock\n\nCostco doesn’t require a membership for every purchase. Anyone can eat at the food court or get a flu shot. In some states, nonmembers can buy alcohol, as well.\n\n## Keep Vet Bills Low\n![vet smiling and hugging dog](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/511-20160429-044218-4015-121615_best_money_savi.original.jpg)\n\nVGstockstudio\/shutterstock\n\nTo save money on pet care, shop around before choosing a vet. Look for discount packages and focus on preventive care. Regular exercise and a proper diet of high-quality food are keys to keeping pets healthy.\n\n## Get a Side Gig\n![tutor teaching teen](https:\/\/www.cheapism.com\/wp-content\/uploads\/2025\/07\/719-20160429-044227-4015-121615_best_money_savi.original.jpg)\n\ncomodigit\/shutterstock\n\nCutting back can help only so much, and there are lots of ways [to make money on the side](https:\/\/www.cheapism.com\/best-part-time-gigs\/). Become a mystery shopper, tutor, organize or clean homes, babysit, or drive people using a ride-share app.","meta_canonical":null}

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URL	https://www.cheapism.com/100-best-money-saving-tips/
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Meta Title	100 Ways to Save More Money
Meta Description	This ultimate roundup of money-saving, reward-earning, and frugal-living tips from Cheapism can help consumers save money any time of year.
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Boilerpipe Text	There are a lot of ways to waste money, and the pandemic hasn’t made anything any easier. But fortunately, there are also a lot of ways to save. From lowering your utility costs to coupon sites, this roundup of 100 money-saving, reward-earning, and frugal-living tips will help you stay ahead of the game financially. Keep it handy by bookmarking it in your favorite browser and on your smartphone. Related: Household Products That Are a Complete Waste of Money Cut the Cord Kaspars Grinvalds/shutterstock Consumers can save by joining the cord-cutting revolution and opting for a streaming stick from Roku, Google, or Amazon, or a set-top box such as Apple TV. Even subscribing to more than one streaming service, monthly entertainment costs can dip dramatically without a cable subscription, and there is still plenty to watch. Related: Awesome Gifts for Couch Potatoes and TV Lovers Dress Up for Less pixelfit/istockphoto Want the outfit worn by a celebrity? It may be possible to find a similar look for a lot less at a low-price apparel chain such as Old Navy — or get the very same look short term at a site such as Rent the Runway. Insist on No-Fee Banking ViktoriiaNovokhatska/istockphoto Switch to a bank with fee-free checking and ATM use or fee reimbursement — often available from smaller local banks or credit unions . These institutions also typically offer checking accounts with no minimums and lower fees than large banks . Explore online services from Charles Schwab, Ally Bank, or USAA Bank (for members and relatives of military members and veterans). Spend Less to See Movies patrickheagney/istockphoto Movie-going is an iffy proposition these days, but when cinemas reopen in full you’ll want to think about saving money by buying tickets in bulk at warehouse clubs or straight from theater chains, attending matinees, going on discount days, and avoiding the overpriced snack bar. Dine Where Kids Eat Free Alinute Silzeviciute/shutterstock At least five days of the week (generally not Friday and Saturday) there’s a restaurant chain that lets kids eat for free after the purchase of an adult entree. Clearly the pandemic has wreaked havoc on the restaurant industry with many chains closing locations , but many still have kids-eat-free offers and other family friendly deals . Related: The Best Value Meal Deals at Chains Across the Country Drop Unused Memberships Serghei Starus/shutterstock Check monthly bills and think twice about memberships that aren’t used often. Whether it’s a subscription box with products that aren’t often to your liking or an infrequently visited gym (which may still be a good place to avoid these days), if the service isn’t providing value, stop paying for it. For more great money-saving tips, please sign up for our free newsletters . Find Free Fun Maridav/shutterstock Cut your entertainment budget: Spend a day outdoors hiking along one of the many beautiful trails this country has to offer . If it’s cold, check out bookstores so cool that visiting is worth it even without a purchase. Pay Off Credit Cards jason cox/shutterstock It’s a myth that keeping a small balance on a credit card improves credit scores . On the contrary: Paying off balances can help cardholders boost their scores — and save money by avoiding interest payments. Sign up for our newsletter Subscribe to Cheapism and get exclusive tips, top deals, and money-saving ideas sent directly to you. Take Advantage of Libraries kali9/istockphoto Libraries do more than offer free books; they rent movies and ebooks inexpensively and host classes of all sorts, among other services. Libraries are also accommodating workspaces — they’re quiet and there’s no need to buy coffee or a snack every few hours. Seek Out Offbeat Attractions Seek Out Offbeat Attractions by Richie Diesterheft ( (CC BY)) Looking for an cheap or free vacation thrill? There’s something unexpected or off the beaten path in every state , from an inn shaped like a giant beagle to the famed Cadillac Ranch in Texas. Related: 50 Picturesque Road Trips for Safer Travel During the Pandemic Ask About Senior Discounts monkeybusinessimages/istockphoto The age for senior discounts may be as young as 50 at restaurants, grocery stores, and clothing retailers . With deals ranging from 5% to 50% off, make sure to ask. Don’t Write Off Boutique Hotels, Airbnb, or Vrbo valentinrussanov/istockphoto When travel hits full stride again post-pandemic, travelers looking for an alternative to a generic room in a large hotel chain property can opt for an inexpensive boutique hotel. There are options across the country worth considering, and rates can be as low as $50 a night. Airbnb and Vrbo sites can also provide unique experiences, whether you want an Airstream trailer , winter cabin or a Hobbit hole . Book Slightly Outside of Town undefined undefined/istockphoto Hotels are often cheaper farther from the city center or from major attractions. This isn’t always true at holiday times, though. That’s when business travel is at a lull, and rates may fall in a city’s financial district. Also, be sure to keep an eye peeled for hotel freebies , such as snacks and entertainment. Avoid Baggage Fees SDI Productions/istockphoto Even if flying isn’t on your immediate agenda, you’ll want to remember that many airlines charge for checked bags. But there are ways to fit everything into a carry-on and otherwise eliminate or reduce airline baggage fees . Watch out for budget airlines that collect fees even for carry-ons and fare classes, such as one one on United , that also limits free baggage to one personal item. Try a Home Juicer simpson33/istockphoto Instead of buying bottled juices or doing a pricey, prepackaged cleanse, use a home juicer. The time commitment and cleanup are not for everyone, so start with a cheap juicer and upgrade if juicing turns into an ongoing thing. Learn Price Code Secrets Anan Kaewkhammul/shutterstock Many retailers use price codes (for example, a price that ends in .97) on tags to indicate whether an item is a final markdown or may be discounted further. Negotiate Syda Productions/shutterstock Negotiating makes sense more often than you might expect. With market information in hand, go straight to the manager at a rental car agency or hotel and try to wrangle a deal. No luck lowering the price? Try getting more value with an upgrade or fee waiver. Install a Programmable Thermostat Steve Cukrov/shutterstock Smart thermostats can be real money savers — they learn residents’ preferences and can be controlled from afar — but even a cheap programmable thermostat set at a reasonable temperature can save $180 a year on average, according to the federal government’s Energy Star program. Sell Clothes urbazon/istockphoto Earn extra cash by selling unwanted clothing on websites such as Poshmark, Vinted, ThredUp, or The RealReal. Rent and Swap Toys SpeedKingz/shutterstock Don’t waste money on toys that children will cast aside after a few months. Instead, consider toy swaps with local parents. Related: Ways Parents Waste Money on Kids Don’t Go Overboard for Savings Carolyn Franks/shutterstock Being too cheap may not be financially wise. Don’t blindly choose the least expensive item when it’s low-quality , for instance. And make sure extreme couponing or a long drive to find the cheapest gas isn’t wasting more time than it’s worth. Buy Generic Food and Drugs Shane Maritch/shutterstock Doctors tend to buy generic versions of common medications , and chefs buy store-brand baking supplies such as brown sugar. Private labels and generics usually cost less for the same quality . Related: How Seniors Can Save on Health Care Shop for a Diamond Online sumire8/shutterstock Looking for a diamond ring for a holiday engagement? Get a good price by shopping online and knowing the five C’s: clarity, color, cut, carat, and certification. Don’t compromise on cut, which makes a diamond sparkle, but a low clarity or color grade is harder to notice and can make a large stone more affordable. Also consider alternative synthetic diamonds or alternative gemstones. Use Veterans’ Discounts SDI Productions/istockphoto Veterans can take advantage of a slew of discounts and benefits year-round . Lowe’s, for example, offers 10% off to active and retired military and those receiving Veterans Affairs benefits. Seek Alternative Phone Service monkeybusinessimages/istockphoto Escape the contract and switch to an ultra-cheap phone provider such as FreedomPop or Republic Wireless. They use the same towers as some of the big telecom companies but charge consumers just a fraction of the price. Test Out of College Classes smolaw11/istockphoto Yes, it’s possible to earn a bachelor’s degree for less by testing out of required classes at an accredited college. This path requires a lot of self-discipline but can save tens of thousands of dollars. Do Disney on a Budget Disney World Magic Kingdom by Rstoplabe14 ( (CC BY-SA)) A trip to see Mickey and the gang may be just a wish upon a star in the near term because of pandemic closures and restrictions, but a visit to the Disney theme parks can be a costly affair. Regular tickets to Disney World are more than $100 for ages 10 and up, but there are ways to save on a Disney trip . One of the best strategies: Bring food, drinks, and even Disney memorabilia bought somewhere besides the overpriced gift shops (tell the kids a favorite character stopped by the hotel to leave them a souvenir). Disney World now allows outside food, and Disney cruises permit up to two bottles of wine or six beers in a carry-on. Monitor Credit tolgart/istockphoto Detect fraud early by monitoring credit reports and checking credit scores for free using a site such as Credit Sesame or Bankrate. Some credit cards now come with a free credit score. Get Cash Back kupicoo/istockphoto Cash-back shopping sites such as Rakuten and Mr. Rebates let consumers earn a percentage of their money back when shopping online. Many rewards credit cards offer a similar perk for online and offline purchases. Maintain Low Credit Card Balances ChrisShirley/istockphoto For a high credit score, don’t spend a large part of each card’s available credit limit. The utilization rate — the percentage of a credit limit that’s being used — is an important credit-scoring factor, and lower is better in the eyes of credit scoring agencies. Don’t Let Credit Card Debt Linger valentinrussanov/istockphoto Consumers who have good credit scores but have trouble paying off credit card debt can move the debt to a card that charges zero interest on transferred balances during a promotional period. Some, but not all, such cards charge a one-time fee equal to a percentage of the amount transferred. Another option: Take out a personal loan with a lower interest rate than the credit cards and use it to pay down the debt. Find Promo Codes AndreyPopov/istockphoto Netting a discount can be as easy as typing the retailer’s name and “coupon codes” into a search engine. Consumers can also check sites such as RetailMeNot, DealNews, and Brad’s Deals for coupon codes before checking out online. Go Gift Card Shopping Scope Out Free Gift Card Deals In Store by Mike Mozart ( (CC BY)) Gift Card Granny shows where to buy gift cards online for less than face value — and who says a gift card has to be a gift? Shop at a discount by paying with gift cards at big-name retailers. Track Price Drops Boriboon Chutikaseam/shutterstock Savings need not stop after clicking “buy.” Several price-tracking services alert shoppers to after-the-fact price drops so shoppers can ask for a refund of the difference — or get one automatically (minus a cut for the service). Paribus and Rakuten monitor select retailers, including Amazon, through users’ email accounts. Several credit card issuers offer a similar service for free. Invest in Energy-Efficient Upgrades Pornpak Khunatorn/istockphoto Upgrade a home and reduce utility costs with energy-efficient light bulbs and appliances. The initial investment will pay for itself over time and the planet will benefit. It’s one of many ways to reduce utility costs during the winter. Steer Clear of Hotel Minibars Vereshchagin Dmitry/shutterstock It’s not as simple as refraining from eating or drinking anything. Some hotel minibars have a built-in sensor that may be triggered by merely moving items. Look over the bill before checking out to make sure there aren’t any accidental charges. Reject Unnecessary Purchases kazoka/shutterstock Avoid buying things that probably will not be used more than once, such as formalwear (rent instead), specialty kitchen appliances (which lose their novelty quickly), and power tools (rent from home improvement stores or borrow from local sources). Put Credit Card Perks to Work alice-photo/shutterstock Many credit cards offer extended warranties, full refunds if items are damaged or stolen up to 90 days after purchase, zero liability for fraudulent charges, and rewards programs that earn the cardholder money back on every purchase. Look at what’s included before buying additional coverage. Be a Cheap Date wavebreakmedia/shutterstock Looking for inexpensive date ideas ? Instead of dinner and a movie, try wine tasting, volunteering, going to an arcade, or checking out a local tourist attraction that’s often overlooked by residents. Don’t Rent a Modem or Router Kostsov/shutterstock Buy a wireless router or modem rather than renting one from an internet service provider. The purchase often pays for itself in less than a year. Escape Foreign Transaction Fees dean bertoncelj/shutterstock Get a credit card that does not charge extra for foreign transactions. This can come in handy when international travel returns to normal or when making purchases in a foreign currency while at home. Make Razors Last Asier Romero/shutterstock Save money on razors by drying the blades after each use and storing them in a dry space. This simple step can prolong the life of a razor blade by months. For more savings, consider switching to a service that delivers inexpensive blades. Buy in Bulk for School Lunches mandritoiu/shutterstock Save on school lunches by buying ingredients in bulk and packing in reusable containers, instead of buying single-serving packages. Related: Super Easy School Lunches Enjoy Free Samples Amazon Influenster and BzzAgent send free samples , and sometimes free full-size products, to consumers who write short reviews or tell friends about the products. Adopt the Right Pet hedgehog94/istockphoto Considering a new pet? Experts say purebred cats and dogs are most prone to illness — and the accompanying vet bills. In general, the least expensive animals to care for are small, female mixed breeds that have been spayed. Related: Dogs That Don’t Shed Clean With Microfiber Cloths humonia/istockphoto Microfiber cleaning cloths generally cost more than standard cotton towels, but even the priciest options pay for themselves over time when factoring in durability and savings on cleaning products. Have a Taco (or Two) Ben Wehrman/istockphoto No matter the day of the week, tacos are a delicious and inexpensive food. There are iconic taco shops (or trucks) across the country that are worth checking out. Save With Apps LDprod/shutterstock Use mobile apps to help save money while shopping for groceries, clothing, and everything else. Try RetailMeNot, Ibotta, Checkout 51, Grocery Smarts, SmartSource, and the Coupons app. Make Clothes Last PeopleImages/istockphoto To prolong the life of clothing, wash clothes in cold water, don’t use wire hangers, set the dryer on low, or hang dry washables. Related: How to Go as Long as Possible Without Doing Laundry DIY Yardwork Elenathewise/istockphoto Instead of farming out your yardwork to a lawn service, so to speak, dig in and take care of it yourself. Lawn services can charge $35 or more for an average size yard. Plant a Garden shapecharge/istockphoto Take the DIY yardwork a step further by planting a garden that can provide cheap, homegrown fruits and vegetables. Initial expenses are minimal, and if you end up with more produce than you can use, you can freeze it for later . Unplug slobo/istockphoto Unplugging DVR cable boxes, computers, and other appliances when they’re not in use could knock $200 a year off the electric bill, according to the National Renewable Energy Laboratory, but ending “vampire drain” is only one of many ways to save on energy costs. Keep the Wedding Simple Andrii Oleksiienko/shutterstock Large floral centerpieces, paying for an open bar, and extravagant extras such as an ice sculpture can add up quickly. Consider a simple wedding and put the savings toward a goal such as buying a home or paying down debts. Related: Things You Won’t See at Weddings in the Coronavirus Era Book Travel Directly martin-dm/istockphoto Booking directly with travel providers can yield savings and extra perks, such as free Wi-Fi, fewer hidden fees, and more flexibility. Some Things Are Worth a Little More Kzenon/shutterstock Don’t go rock-bottom-cheap on these household items: skillets, knives, storage containers, furniture, and vacuums. Stepping up a bit in price is worthwhile to net goods that will last and save money in the long run. Take Volunteer Vacations wavebreakmedia/shutterstock Here’s another travel alternative to consider when pandemic restrictions ease. For a way to see the world and also give back, consider a volunteer vacation . The experience can be personally rewarding and much less expensive than a resort. Shop At Stores With Generous Return Policies Michael Gordon/shutterstock Take the stress out of shopping and guarantee a purchase will be appreciated by going to stores with good, consumer-friendly return policies . Nordstrom is a longtime favorite, and there are several other stores with similar approaches, including Costco . Take Alternative Transportation Lucky Business/shutterstock Electric bikes and scooters offer inexpensive and relatively sweat-free alternatives to a car for consumers eager to cut transportation costs. Related: Best Cities for Living Without a Car Send Inexpensive Flowers Hong Vo/shutterstock Chrysanthemums, carnations, and alstroemerias (Peruvian lilies) cost less than roses and last longer. No matter the type of flowers, call a local florist near the recipient instead of ordering online. The florist may offer savings or prepare a better bouquet for the same price. Reject Weight-Loss Gimmicks Vadym Petrochenko/istockphoto Some weight-loss methods are too good to be true. Avoid paying for creams, seven-minute workouts, shakes, pills, and fad diets that do not address the needs of the body as a whole. Choose a plan that emphasizes healthy eating and exercise over a quick fix. The instilled habits are more valuable in the long run. Try Name-Your-Price Shopping UberImages/istockphoto Priceline, Hotwire, and other travel sites aren’t the only ones that let consumers name the price they want to pay. Greentoe has a similar setup for photography equipment, home theater items, appliances, and more. Buy Secondhand Matej Kastelic/shutterstock Garage sales, thrift stores, and flea markets are brimming with gently used items that may be your next big treasure. Books, sporting goods, and kids’ clothes can be had at rock-bottom prices. Refinance Private Student Loans Prostock-Studio/istockphoto Borrowers whose financial situation has improved since graduation may want to look into refinancing their private student loans to potentially lower interest rates. Lenders look beyond credit scores to the borrower’s income, job, education level, degree, and other financial obligations. Reevaluate Federal Student Loans designer491/shutterstock Refinancing federal student loans can lead to lower interest rates, which can save borrowers money. Be aware, though: After refinancing with a private lender, borrowers are not eligible for federal payment plans based on income or forgiveness programs. Lower Auto Insurance Costs zimmytws/istockphoto There are many ways to get discounts on auto insurance policies: Take a defensive driving class, install an anti-theft device, or use the same company for several types of insurance, for instance. Get Teen Discounts on Auto Insurance MarioGuti/istockphoto Young drivers often must pay more for auto insurance , but some providers offer discounts to teens who maintain good grades or take driving courses or online classes. Buy Renters Insurance Milaspage/istockphoto Renters may benefit from an insurance policy even if they don’t have many possessions. Renters insurance could cover theft of personal property even if it occurs outside the home, and liability protection in the event someone is injured and sues. Buying a fire extinguisher or paying premiums for a full year all at once usually generates a discount. Ask About Student Discounts auremar/shutterstock Students are often on a shoestring budget, but there are plenty of savings opportunities. Some clothing stores, including Madewell, ASOS, and Topshop, offer a 10% to 15% student discount. Restaurants, grocery stores, movie theaters, gyms, and technology companies also offer discounts for students. Pay Higher Deductibles Kameleon007/istockphoto To decrease premiums on your insurance, raise the deductible (the amount the policyholder must pay before the insurance company starts to cover costs). Think Twice Before Filing Insurance Claims Tidarat Tiemjai/shutterstock When the cost to replace possessions or fix a vehicle is less than an insurance deductible, it may make sense not to make a claim. The policyholder has to pay for the damages out-of-pocket either way, and reporting the incident may result in higher premiums. Take Care With a Car Photographee.eu/shutterstock Most people know a new car’s value drops as soon as it’s driven off the lot. Help maintain the value by taking the car in for regular checkups, waxing the exterior, and avoiding eating or drinking inside. Use a Standing Desk for Less Amazon Standing desks can encourage workers to be less sedentary and offer a nice change from sitting in front of a computer all day. Retail prices can reach into the thousands, but there are cheaper alternatives, including a wall-mounted shelf or stacking books or boxes to raise the height of a laptop or monitor. Keep feet relaxed by standing on a folded yoga mat or anti-fatigue mat. Adapt to Age Well Rawpixel/istockphoto Some basic lifestyle changes can help maintain or improve health as you age. Work in 30 minutes of physical activity a day, get plenty of sleep, and try to minimize sugar intake. Consider Refinancing Your Mortgage alexskopje/shutterstock Refinancing a mortgage could lead to significant savings. Shop around to get quotes from different lenders and consider different loan terms. Get Last-Minute Tax Savings Sakarin Sawasdinaka/shutterstock Get a tax deduction for the current year by contributing to an Individual Retirement Arrangement right up to the tax-filing deadline in the coming year. The IRA contribution limit for 2020 and 2021 is $6,000 ($7,000 for taxpayers 50 and older). Price Match Twin Design/shutterstock Some major retailers, including Walmart, Target, Staples, and Best Buy price match Amazon. There are many exclusions to watch out for, but checking prices with a smartphone before making an in-store impulse buy can yield savings. Touch Up a Bathroom Instead of Tearing It Out forestpath/shutterstock Save on a DIY bathroom remodel by keeping the basic layout the same and making other improvements: installing a new vanity countertop, painting the walls, putting up a new mirror, and regrouting the floor and other tile. Deduct Mileage Kekyalyaynen/shutterstock The IRS has yet to announce the rate for 2022, but small-business owners who record the miles they drive for work could take a deduction of 56 cents a mile in 2021 — a decrease of 1.5 cents from the year before. The rate stayed the same for taxpayers who don’t own a business but drove for charitable purposes, or to and from a volunteer event: 14 cents a mile. For moving or medical purposes, the rate is 16 cents per mile in 2021, down a penny from a year earlier. Track Prices Techa Tungateja/istockphoto Sites such as CamelCamelCamel and PriceSpider monitor the price of goods at stores such as Amazon, Best Buy, and Newegg so shoppers can pounce when the price drops. Be Careful Hiring a Contractor skynesher/istockphoto Before hiring a contractor, figure out if someone with specialized training is needed and get recommendations from friends and family. Set a budget and ask contractors for an itemized task and quote list. To be safe, budget for cost overruns up to 20% of the initial quote. Improve Curb Appeal for Less ljubaphoto/istockphoto Preparing a home for potential buyers or visiting relatives doesn’t have to involve expensive improvements: Clearing the driveway and walkways, cleaning the windows to let in natural light, and decorating the front with all-season plants may be the most important steps. Compare Moving Expenses AndreyPopov/istockphoto The cost of shipping may be less than renting a truck for a long-haul move for people without large furniture. Before packing up and moving , compare quotes from local moving companies against shipping costs. Practice Preventive Care Branislav Nenin/shutterstock Emergency room visits can cost thousands — or tens of thousands of dollars. Taking preventive health measures such as getting regular checkups or screenings, and practicing safe sex could reduce the chances of running into health problems. Ignore Pricey Workout Clothes Juanmonino/istockphoto Lululemon and Athleta may be in vogue, but frugal fitness buffs can turn to plenty of places for deals on workout clothes. Check out websites such as The Clymb, ClothingUnder10, and Steep & Cheap, or inexpensive retailers such as Old Navy. Try Some Simple Kitchen Hacks Helen’s Photos/shutterstock A few simple kitchen hackscan save money and time. To cite just a couple: Wrap banana stems in plastic to keep them fresh longer (keeping the plastic wrap chilled to make it easier to separate and tear) and put marshmallows in brown sugar to keep it soft. Peruse Blemished Produce Tassii/istockphoto Grocery stores often have a section where bruised and overripe produce is sold at clearance prices . These fruits and vegetables work just fine in sauces, pie fillings, stews, and smoothies. Consider signing up for an “ugly produce” delivery service such as Imperfect Foods or Misfits Market if it’s cost effective and delivers in your area. Be a Smart Souvenir Shopper Brent Hofacker/shutterstock When taking a trip or traveling to a new state, look for representative souvenirs that are small, lightweight, and inexpensive. Macadamia nuts or Kona coffee from Hawaii, saltwater taffy from the New Jersey shore, or an album from one of Nashville’s well-known record shops are examples. Get Hotel Rewards Kzenon/shutterstock Even infrequent travelers can save money by enrolling in hotel loyalty programs. Basic membership comes with late checkout and complimentary newspapers at some chains. Consider a Credit Union simonkr/istockphoto Credit unions are nonprofits owned cooperatively by members (people with an account at the credit union). They offer many of the same services as banks but give more savings and profits to members. Fees and interest rates may be lower on credit cards and loans, and checking and savings accounts may pay higher interest compared with other financial services firms. Share and Save Photographee.eu/shutterstock Families, friends, and neighbors can share all sorts of things to save money. Power tools, lawn mowers, and luggage are just the start. Look for ongoing savings by sharing phone plans or streaming video subscriptions, too. Don’t Fall Victim to Nuisance Debt Andrey_Popov/shutterstock Small debts can have a large effect on a credit score if they go unpaid and get passed on to a collections agency. Newer credit scoring models ignore debts of less than $100, but not all lenders use the latest models. Leave the Kids Home When You Shop gilaxia/istockphoto Children are fountains of endless desires, and stores understand this, often positioning kid-targeted merchandise right where youngsters will see it. So outsmart the masters of marketing and keep the kids out of the equation. Maybe even offer to trade babysitting time with other parents to do so. Do Your Own Car Maintenance Waranya Sawasdee/istockphoto Some car repairs, such as an oil change or brake pad replacement, are relatively easy DIY chores. Other fixes generally require a trained mechanic and could be costly. If a problem arises after the warranty has expired, it may be possible to save money by contacting the manufacturer for “goodwill assistance.” Fight the Temptation to Eat Out matt6t6/istockphoto Keep food costs down by buying in bulk, using a slow cooker, eating at home , and saving leftovers for another meal. Keep small snacks in the car or at work to avoid the urge to go to restaurants. Keep the Grocery Budget Low wavebreakmedia/shutterstock To keep from overspending at the grocery store , eat before going shopping, make a list, and use only a set amount of cash to buy food. (Splurge once in a while to keep things interesting.) Buy a Mattress Online Hispanolistic/istockphoto Many sound sleepers advocate buying a mattress online . Shops such as Casper, Leesa, and Tuft & Needle sell high-quality foam mattresses starting around $500. Search for discounts and coupon codes for further savings. There are also inexpensive options on Amazon, but they don’t offer the same warranties or trial period. Improve Gas Mileage dusanpetkovic/istockphoto Start tracking your vehicle’s gas mileage, and focus on ways to improve it. Some simple tips include maintaining proper tire pressure, checking the tire alignment, and accelerating slowly. Shop Costco Without a Membership a katz/shutterstock Costco doesn’t require a membership for every purchase. Anyone can eat at the food court or get a flu shot. In some states, nonmembers can buy alcohol, as well. Keep Vet Bills Low VGstockstudio/shutterstock To save money on pet care, shop around before choosing a vet. Look for discount packages and focus on preventive care. Regular exercise and a proper diet of high-quality food are keys to keeping pets healthy. Get a Side Gig comodigit/shutterstock Cutting back can help only so much, and there are lots of ways to make money on the side . Become a mystery shopper, tutor, organize or clean homes, babysit, or drive people using a ride-share app.
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[Gifts for Kids](https://www.cheapism.com/category/gift-ideas/gifts-for-kids/) - [Facebook](https://www.facebook.com/Cheapism/) - [X](https://www.x.com/cheapism) - [Instagram](https://www.instagram.com/cheapism) - [TikTok](https://www.tiktok.com/@cheapism) - [YouTube](https://www.youtube.com/@Cheapism99) [![Logo for "Cheapism" with the word in bold purple letters. The letter "C" resembles a cent symbol, encircled by an orange outline.](https://www.cheapism.com/wp-content/uploads/2025/07/cheapismLOGO_fullcolor.svg)](https://www.cheapism.com/) Cheapism is [editorially independent](https://www.cheapism.com/about/). We may earn a commission if you buy through links on our site. [Money](https://www.cheapism.com/category/money/) / [Living on a Budget](https://www.cheapism.com/category/money/living-on-a-budget/) # 100 Top Money-Saving Tips Published December 23, 2021•Updated October 28, 2025 • By [Louis DeNicola](https://www.cheapism.com/louis-denicola/ "Posts by Louis DeNicola") ![save money](https://www.cheapism.com/wp-content/uploads/2025/07/iStock-1216749543.original-4-570x380.jpg) Prostock-Studio/istockphoto There are a lot of ways to waste money, and the pandemic hasn’t made anything any easier. But fortunately, there are also a lot of ways to save. From [lowering your utility costs](https://www.cheapism.com/energy-conservation-myths/) to coupon sites, this roundup of 100 money-saving, reward-earning, and frugal-living tips will help you stay ahead of the game financially. Keep it handy by bookmarking it in your favorite browser and on your smartphone. Related: [Household Products That Are a Complete Waste of Money](https://www.cheapism.com/useless-products-17711/) ## Cut the Cord ![Netflix Begins Streaming in 2007](https://www.cheapism.com/wp-content/uploads/2025/07/081417_history_of_retail_slide_50_fs.original.jpg) Kaspars Grinvalds/shutterstock Consumers can save by joining the cord-cutting revolution and opting for a streaming stick from Roku, Google, or Amazon, or a set-top box such as Apple TV. Even subscribing to more than one streaming service, monthly entertainment [costs can dip dramatically](https://www.cheapism.com/best-streaming-services/) without a cable subscription, and there is still plenty to watch. Related: [Awesome Gifts for Couch Potatoes and TV Lovers](https://www.cheapism.com/gift-ideas-couch-potato-14832/) ## Dress Up for Less ![two young women choosing dresses in a luxury fashion store](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_2_fs.original.jpg) pixelfit/istockphoto Want the outfit worn by a celebrity? It may be possible to find [a similar look for a lot less](https://www.cheapism.com/shoe-knockoffs-boot-lookalikes/) at a low-price apparel chain such as Old Navy — or get the very same look short term at a site such as Rent the Runway. ## Insist on No-Fee Banking ![cash withdrawal in dollars from an ATM](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_3_fs.original.jpg) ViktoriiaNovokhatska/istockphoto Switch to a bank with fee-free checking and ATM use or fee reimbursement — often available from smaller local banks or [credit unions](https://www.cheapism.com/credit-union-18566/). These institutions also typically offer checking accounts with no minimums and [lower fees than large banks](https://www.cheapism.com/big-banks-disadvantages/). Explore online services from Charles Schwab, Ally Bank, or USAA Bank (for members and relatives of military members and veterans). ## Spend Less to See Movies ![One Man in an Empty Theater stock photo](https://www.cheapism.com/wp-content/uploads/2025/07/PSX_20200806_073235.original.jpg) patrickheagney/istockphoto Movie-going is an iffy proposition these days, but when cinemas reopen in full you’ll want to think about saving money by buying tickets in bulk at warehouse clubs or straight from theater chains, attending matinees, going on discount days, and avoiding the overpriced snack bar. ## Dine Where Kids Eat Free ![child eating burger at fast food place](https://www.cheapism.com/wp-content/uploads/2025/07/741-20160429-044240-4015-121615_best_money_savi.original.jpg) Alinute Silzeviciute/shutterstock At least five days of the week (generally not Friday and Saturday) there’s a restaurant chain that lets [kids eat for free](https://www.cheapism.com/kids-eat-free-restaurant-deals-16154/) after the purchase of an adult entree. Clearly the pandemic has wreaked havoc on the restaurant industry with [many chains closing locations](https://www.cheapism.com/restaurant-chains-closing-locations-this-year/), but many still have kids-eat-free offers and other [family friendly deals](https://www.cheapism.com/family-fast-food-deals/). Related: [The Best Value Meal Deals at Chains Across the Country](https://www.cheapism.com/best-value-meal-deals-15294/) ### Trending on Cheapism - [![Sign of a Red Lobster seafood restaurant in Harrisburg, Pennsylvania against a clear, blue sky](https://www.cheapism.com/wp-content/uploads/2022/06/Sign-of-a-Red-Lobster-Seafood-Restaurant-in-Har.original-570x380.jpg) ‘Red Lobster Strikes Again’: 200 Employees Laid Off Right Before the Holidays](https://www.cheapism.com/red-lobster-layoffs-2025/ "‘Red Lobster Strikes Again’: 200 Employees Laid Off Right Before the Holidays") - [![senior couple selecting fresh herbs at the grocery store](https://www.cheapism.com/wp-content/uploads/2025/07/081718_things_teens_can_teach_seniors_slide_7_f.original-570x380.jpg) How Food Co-ops Save Shoppers Money and Support Local Communities](https://www.cheapism.com/best-food-coops/ "How Food Co-ops Save Shoppers Money and Support Local Communities") ## Drop Unused Memberships ![gym](https://www.cheapism.com/wp-content/uploads/2025/07/801-20160429-044242-4015-121615_best_money_savi.original.jpg) Serghei Starus/shutterstock Check monthly bills and think twice about memberships that aren’t used often. Whether it’s a subscription box with products that aren’t often to your liking or an infrequently visited gym (which may still be a good place to avoid these days), if the service isn’t providing value, stop paying for it. For more great money-saving tips, [please sign up for our free newsletters](https://cheapism.us14.list-manage.com/subscribe?u=de966e79b38e1d833d5781074&id=c14db36dd0). ## Find Free Fun ![couple hiking in the woods](https://www.cheapism.com/wp-content/uploads/2025/07/857-20160422-022211-041116_cheap_hiking_gear_sl.original.jpg) Maridav/shutterstock Cut your entertainment budget: Spend a day outdoors hiking along one of the many [beautiful trails this country has to offer](https://www.cheapism.com/best-hiking-trails-3536/). If it’s cold, check out [bookstores so cool that visiting is worth it](https://www.cheapism.com/best-bookstores/) even without a purchase. ## Pay Off Credit Cards ![credit card and statement](https://www.cheapism.com/wp-content/uploads/2025/07/417-20160429-044225-4015-121615_best_money_savi.original.jpg) jason cox/shutterstock It’s a myth that keeping a small balance on a credit card [improves credit scores](https://www.cheapism.com/credit-score-myths-3798/). On the contrary: Paying off balances can help cardholders boost their scores — and save money by avoiding interest payments. ### Sign up for our newsletter Subscribe to Cheapism and get exclusive tips, top deals, and money-saving ideas sent directly to you. ## Take Advantage of Libraries ![African American woman in library reading a book](https://www.cheapism.com/wp-content/uploads/2025/07/020818_warning_signs_youre_50_slide_18_fs.original.jpg) kali9/istockphoto Libraries do more than offer free books; they rent movies and ebooks inexpensively and host classes of all sorts, among other services. [Libraries are also accommodating workspaces](https://www.cheapism.com/amazing-libraries-all-50-states-4230/) — they’re quiet and there’s no need to buy coffee or a snack every few hours. ## Seek Out Offbeat Attractions ![Cadillac Ranch, Texas](https://www.cheapism.com/wp-content/uploads/2025/07/802-20160429-045706-3715-072015_rdsd_attrctns_s.original.jpg) Seek Out Offbeat Attractions by [Richie Diesterheft (](https://www.flickr.com/people/10058483@N00)[(CC BY))](https://creativecommons.org/licenses/by/4.0/) Looking for an cheap or free vacation thrill? There’s something [unexpected or off the beaten path in every state](https://www.cheapism.com/weird-roadside-attractions-17021/), from an inn shaped like a giant beagle to the famed Cadillac Ranch in Texas. Related: [50 Picturesque Road Trips for Safer Travel During the Pandemic](https://www.cheapism.com/safe-road-trips/) ## Ask About Senior Discounts ![Seniors talking to waitress at restaurant](https://www.cheapism.com/wp-content/uploads/2025/07/Senior_Discount.original.jpg) monkeybusinessimages/istockphoto The age for senior discounts may be as young as 50 [at restaurants, grocery stores, and clothing retailers](https://www.cheapism.com/senior-discounts-list/). With deals ranging from 5% to 50% off, make sure to ask. ## Don’t Write Off Boutique Hotels, Airbnb, or Vrbo ![African woman pulling the curtains in hotel room, in the morning](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_12_fs.original.jpg) valentinrussanov/istockphoto When travel hits full stride again post-pandemic, travelers looking for an alternative to a generic room in a large hotel chain property can opt for an inexpensive boutique hotel. There are options across the country worth considering, and rates can be as low as \$50 a night. Airbnb and Vrbo sites can also provide unique experiences, whether you want an [Airstream trailer](https://www.cheapism.com/coolest-airstream-airbnbs/), [winter cabin](https://www.cheapism.com/best-winter-airbnb/) or a [Hobbit hole](https://www.cheapism.com/amazing-airbnbs/). ## Book Slightly Outside of Town ![hotel doorway with open door in front of blur bedroom background](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_13_fs.original.jpg) undefined undefined/istockphoto Hotels are often cheaper farther from the city center or from major attractions. This isn’t always true at holiday times, though. That’s when business travel is at a lull, and rates may fall in a city’s financial district. Also, be sure to keep an eye peeled for [hotel freebies](https://www.cheapism.com/secret-hotel-perks-17133/), such as snacks and entertainment. ## Avoid Baggage Fees ![smiling young businesswoman stands in the aisle of a commercial airliner and places her carry on bag in the overhead bin](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_14_fs.original.jpg) SDI Productions/istockphoto Even if flying isn’t on your immediate agenda, you’ll want to remember that many airlines charge for checked bags. But there are [ways to fit everything into a carry-on](https://www.cheapism.com/carry-on-packing-tips-3705/) and otherwise [eliminate or reduce airline baggage fees](https://www.cheapism.com/us-domestic-airline-fees/). Watch out for budget airlines that collect fees even for carry-ons and fare classes, such as one one on [United](https://www.united.com/web/en-US/content/travel/inflight/basic-economy.aspx), that also limits free baggage to one personal item. ## Try a Home Juicer ![fruits being juiced by juicer](https://www.cheapism.com/wp-content/uploads/2025/07/iStock-507774793.original.jpg) simpson33/istockphoto Instead of buying bottled juices or doing a pricey, prepackaged cleanse, use a home juicer. The time commitment and cleanup are not for everyone, so [start with a cheap juicer](https://www.cheapism.com/cheap-juicer-recommendations-18484/) and upgrade if juicing turns into an ongoing thing. ## Learn Price Code Secrets ![jeans with price tag](https://www.cheapism.com/wp-content/uploads/2025/07/902-20160429-044220-4015-121615_best_money_savi.original.jpg) Anan Kaewkhammul/shutterstock Many retailers use price codes (for example, a price that ends in .97) on tags to indicate whether an item is a final markdown or may be discounted further. ## Negotiate ![couple buying car at dealership](https://www.cheapism.com/wp-content/uploads/2025/07/548-20160429-044220-4015-121615_best_money_savi.original.jpg) Syda Productions/shutterstock Negotiating makes sense more often than you might expect. With market information in hand, go straight to the manager at a rental car agency or hotel and try to wrangle a deal. No luck lowering the price? Try getting more value with an upgrade or fee waiver. ## Install a Programmable Thermostat ![woman's hand setting the room temperature on a modern programmable thermostat](https://www.cheapism.com/wp-content/uploads/2025/07/thermostats_2500.original.jpg) Steve Cukrov/shutterstock Smart thermostats [can be real money savers](https://www.cheapism.com/will-smart-home-thermostat-pay-itself-15897/) — they learn residents’ preferences and can be controlled from afar — but even a [cheap programmable thermostat](https://www.cheapism.com/cheap-thermostats/) set at a reasonable temperature can save \$180 a year on average, according to the federal government’s Energy Star program. ## Sell Clothes ![young woman is sorting out wardrobe](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_19_fs.original.jpg) urbazon/istockphoto Earn extra cash by [selling unwanted clothing](https://www.cheapism.com/sell-your-clutter-online-16161/) on websites such as Poshmark, Vinted, ThredUp, or The RealReal. ## Rent and Swap Toys ![woman donating unwanted items to charity shop](https://www.cheapism.com/wp-content/uploads/2025/07/120916_tax_deductible_donations_2016_slide_7_fs.original.jpg) SpeedKingz/shutterstock Don’t waste money on toys that children will cast aside after a few months. Instead, consider toy swaps with local parents. Related: [Ways Parents Waste Money on Kids](https://www.cheapism.com/expensive-parenting/) ## Don’t Go Overboard for Savings ![coupons and sissors](https://www.cheapism.com/wp-content/uploads/2025/07/917-20160429-050657-3276-120314_online_shopping.original.jpg) Carolyn Franks/shutterstock Being [too cheap](https://www.cheapism.com/frugal-money-saving-habits-17321/) may not be financially wise. Don’t blindly choose the [least expensive item when it’s low-quality](https://www.cheapism.com/dont-be-cheap/), for instance. And make sure extreme couponing or a long drive to find the cheapest gas isn’t wasting more time than it’s worth. ## Buy Generic Food and Drugs ![aspirin pills](https://www.cheapism.com/wp-content/uploads/2025/07/619-20160429-044232-4015-121615_best_money_savi.original.jpg) Shane Maritch/shutterstock Doctors tend to buy generic versions of [common medications](https://www.cheapism.com/drug-costs/), and chefs buy store-brand baking supplies such as brown sugar. Private labels and generics usually [cost less for the same quality](https://www.cheapism.com/pharmacies/). Related: How Seniors Can Save on Health Care ## Shop for a Diamond Online ![diamond](https://www.cheapism.com/wp-content/uploads/2025/07/225-20160429-044232-4015-121615_best_money_savi.original.jpg) sumire8/shutterstock Looking for a diamond ring for a holiday engagement? Get a good price by shopping online and knowing the five C’s: clarity, color, cut, carat, and certification. Don’t compromise on cut, which makes a diamond sparkle, but a low clarity or color grade is harder to notice and can make a large stone more affordable. Also consider alternative synthetic diamonds or alternative gemstones. ## Use Veterans’ Discounts ![relieved little girl hugs her mom after her mom's return home from military service](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_25_fs.original.jpg) SDI Productions/istockphoto Veterans can take advantage of a slew of [discounts and benefits year-round](https://www.cheapism.com/disabled-veterans-death-education-benefits-14849/). Lowe’s, for example, offers 10% off to active and retired military and those receiving Veterans Affairs benefits. ## Seek Alternative Phone Service ![Closeup of young adults using smart phones](https://www.cheapism.com/wp-content/uploads/2025/07/Phone_Plans.original.png) monkeybusinessimages/istockphoto Escape the contract and switch to an ultra-cheap phone provider such as FreedomPop or Republic Wireless. They use the same towers as some of the big telecom companies but charge consumers just a fraction of the price. ## Test Out of College Classes ![hand holding pencil for testing exams writing answer sheet for taking fill in admission exam](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_27_fs.original.jpg) smolaw11/istockphoto Yes, it’s possible to earn a bachelor’s degree for less by testing out of required classes at an accredited college. This path requires a lot of self-discipline but can save tens of thousands of dollars. ## Do Disney on a Budget ![Disney World Magic Kingdom](https://www.cheapism.com/wp-content/uploads/2025/07/961px-Cinderella_Castle__Magic_Kingdom.original.jpg) Disney World Magic Kingdom by [Rstoplabe14 (](https://en.wikipedia.org/wiki/User:Rstoplabe14)[(CC BY-SA))](https://creativecommons.org/licenses/by-sa/4.0/) A trip to see Mickey and the gang may be just a wish upon a star in the near term because of pandemic closures and restrictions, but a visit to the Disney theme parks can be a costly affair. Regular tickets to Disney World are [more than \$100](https://www.cheapism.com/disney-ticket-prices/) for ages 10 and up, but there are ways to [save on a Disney trip](https://www.cheapism.com/disney-on-a-budget-2017-15101/) . One of the best strategies: Bring food, drinks, and even Disney memorabilia bought somewhere besides the overpriced gift shops (tell the kids a favorite character stopped by the hotel to leave them a souvenir). Disney World now allows outside food, and Disney cruises permit up to two bottles of wine or six beers in a carry-on. ## Monitor Credit ![credit score](https://www.cheapism.com/wp-content/uploads/2025/07/iStock-1089339790.original.jpg) tolgart/istockphoto Detect fraud early by monitoring credit reports and [checking credit scores for free](https://www.cheapism.com/biggest-credit-score-mistakes/) using a site such as Credit Sesame or Bankrate. Some credit cards now come with a free credit score. ## Get Cash Back ![African American couple on laptop while sitting on couch](https://www.cheapism.com/wp-content/uploads/2025/07/111717_hawaii_budget_vacation_slide_19_fs_u8sGs.original.jpg) kupicoo/istockphoto Cash-back shopping sites such as Rakuten and Mr. Rebates let consumers earn a percentage of their money back when shopping online. Many rewards credit cards offer a similar perk for online and offline purchases. ## Maintain Low Credit Card Balances ![things to do today notepad with pay off credit card! written in black pen](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_31_fs.original.jpg) ChrisShirley/istockphoto For a high credit score, don’t spend a large part of each card’s available credit limit. The utilization rate — the percentage of a credit limit that’s being used — is an important credit-scoring factor, and lower is better in the eyes of credit scoring agencies. ## Don’t Let Credit Card Debt Linger ![Woman with credit card debt](https://www.cheapism.com/wp-content/uploads/2025/07/Credit_Card_Debt.original.png) valentinrussanov/istockphoto Consumers who have good credit scores but have trouble paying off credit card debt can move the debt to a card that charges zero interest on transferred balances during a promotional period. Some, but not all, such cards charge a one-time fee equal to a percentage of the amount transferred. Another option: Take out a personal loan with a lower interest rate than the credit cards and use it to pay down the debt. ## Find Promo Codes ![Woman shopping online at home](https://www.cheapism.com/wp-content/uploads/2025/07/11017_how_to_lower_monthly_bills_slide_9_fs.original.jpg) AndreyPopov/istockphoto Netting a discount can be as easy as typing the retailer’s name and “coupon codes” into a search engine. Consumers can also check sites such as RetailMeNot, DealNews, and Brad’s Deals for coupon codes before checking out online. ## Go Gift Card Shopping ![Target gift card](https://www.cheapism.com/wp-content/uploads/2025/07/Scope_Out_Free_Gift_Card_Deals_In_Store.original.jpg) Scope Out Free Gift Card Deals In Store by [Mike Mozart (](https://www.flickr.com/photos/jeepersmedia/)[(CC BY))](https://creativecommons.org/licenses/by/4.0/) [Gift Card Granny](https://www.giftcardgranny.com/) shows where to buy gift cards online for less than face value — and who says a gift card has to be a gift? Shop at a discount by paying with gift cards at big-name retailers. ## Track Price Drops ![hand on smartphone comparing prices](https://www.cheapism.com/wp-content/uploads/2025/07/909-20160429-044230-4015-121615_best_money_savi.original.jpg) Boriboon Chutikaseam/shutterstock Savings need not stop after clicking “buy.” Several price-tracking services alert shoppers to after-the-fact price drops so shoppers can ask for a refund of the difference — or get one automatically (minus a cut for the service). Paribus and Rakuten monitor select retailers, including Amazon, through users’ email accounts. Several credit card issuers offer a similar service for free. ## Invest in Energy-Efficient Upgrades ![man changing compact-fluorescent (CFL) bulbs with new LED light bulb](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_36_fs.original.jpg) Pornpak Khunatorn/istockphoto Upgrade a home and reduce utility costs with energy-efficient light bulbs and appliances. The initial investment will pay for itself over time and the planet will benefit. It’s one of many ways to [reduce utility costs](https://www.cheapism.com/how-to-reduce-heating-costs-3939/) during the winter. ## Steer Clear of Hotel Minibars ![hotel minibar](https://www.cheapism.com/wp-content/uploads/2025/07/513-20160429-044223-4015-121615_best_money_savi.original.jpg) Vereshchagin Dmitry/shutterstock It’s not as simple as refraining from eating or drinking anything. Some hotel minibars have a built-in sensor that may be triggered by merely moving items. Look over the bill before checking out to make sure there aren’t any accidental charges. ## Reject Unnecessary Purchases ![row of kitchen appliances on countertop](https://www.cheapism.com/wp-content/uploads/2025/07/771-20160429-044222-4015-121615_best_money_savi.original.jpg) kazoka/shutterstock Avoid buying things that probably will not be used more than once, such as formalwear (rent instead), specialty kitchen appliances (which lose their novelty quickly), and power tools (rent from home improvement stores or borrow from local sources). ## Put Credit Card Perks to Work ![credit card in charger machine](https://www.cheapism.com/wp-content/uploads/2025/07/592-20160429-044221-4015-121615_best_money_savi.original.jpg) alice-photo/shutterstock Many credit cards offer extended warranties, full refunds if items are damaged or stolen up to 90 days after purchase, zero liability for fraudulent charges, and [rewards programs that earn the cardholder money back](https://www.cheapism.com/credit-debit-card-perks-14670/) on every purchase. Look at what’s included before buying additional coverage. ## Be a Cheap Date ![couple volunteering](https://www.cheapism.com/wp-content/uploads/2025/07/598-20160429-044233-4015-121615_best_money_savi.original.jpg) wavebreakmedia/shutterstock Looking for [inexpensive date ideas](https://www.cheapism.com/cheap-summer-dates-16813/)? Instead of dinner and a movie, try wine tasting, volunteering, going to an arcade, or checking out a local tourist attraction that’s often overlooked by residents. ## Don’t Rent a Modem or Router ![router](https://www.cheapism.com/wp-content/uploads/2025/07/959-20160429-044221-4015-121615_best_money_savi.original.jpg) Kostsov/shutterstock Buy a wireless router or modem rather than renting one from an internet service provider. The purchase often pays for itself in less than a year. ## Escape Foreign Transaction Fees ![hand holding credit card in shop](https://www.cheapism.com/wp-content/uploads/2025/07/313-20160429-044225-4015-121615_best_money_savi.original.jpg) dean bertoncelj/shutterstock Get a credit card that does not charge extra for foreign transactions. This can [come in handy when international travel returns to normal](https://www.cheapism.com/budget-international-travel-tips-3528/) or when making purchases in a foreign currency while at home. ## Make Razors Last ![razor](https://www.cheapism.com/wp-content/uploads/2025/07/437-20160429-044235-4015-121615_best_money_savi.original.jpg) Asier Romero/shutterstock Save money on razors by drying the blades after each use and storing them in a dry space. This simple step can prolong the life of a razor blade by months. For more savings, consider switching to a service that delivers inexpensive blades. ## Buy in Bulk for School Lunches ![Costco](https://www.cheapism.com/wp-content/uploads/2025/07/806-20160429-044219-4015-121615_best_money_savi.original.jpg) mandritoiu/shutterstock Save on school lunches by buying ingredients in bulk and packing in reusable containers, instead of buying single-serving packages. Related: [Super Easy School Lunches](https://www.cheapism.com/easy-school-lunches-14435/) ## Enjoy Free Samples ![makeup samples](https://www.cheapism.com/wp-content/uploads/2025/07/532-20160429-044240-4015-121615_best_money_savi.original.jpg) Amazon Influenster and BzzAgent [send free samples](https://www.cheapism.com/test-products-get-free-stuff/), and sometimes free full-size products, to consumers who write short reviews or tell friends about the products. ## Adopt the Right Pet ![young and happy family adopting a dog in dog's shelter](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_47_fs.original.jpg) hedgehog94/istockphoto Considering a new pet? Experts say purebred cats and dogs are most prone to illness — and the accompanying vet bills. In general, the [least expensive animals](https://www.cheapism.com/6-cheap-pets-offer-protection/) to care for are small, female mixed breeds that have been spayed. Related: [Dogs That Don’t Shed](https://www.cheapism.com/dogs-that-dont-shed/) ## Clean With Microfiber Cloths ![hand cleaning desk with yellow cloth at home](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_48_fs.original.jpg) humonia/istockphoto Microfiber cleaning cloths generally cost more than standard cotton towels, but even the priciest options pay for themselves over time when factoring in durability and savings on cleaning products. ## Have a Taco (or Two) ![tacos being served at a taco truck](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_49_fs.original.jpg) Ben Wehrman/istockphoto No matter the day of the week, tacos are a delicious and inexpensive food. There are iconic taco shops (or trucks) across the country that are worth checking out. ## Save With Apps ![hand with mobile in grocery store](https://www.cheapism.com/wp-content/uploads/2025/07/820-20160429-044238-4015-121615_best_money_savi.original.jpg) LDprod/shutterstock Use mobile apps to help save money while shopping for groceries, clothing, and everything else. Try RetailMeNot, Ibotta, Checkout 51, Grocery Smarts, SmartSource, and the Coupons app. ## Make Clothes Last ![young woman doing her laundry at home](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_51_fs.original.jpg) PeopleImages/istockphoto To prolong the life of clothing, wash clothes in cold water, don’t use wire hangers, set the dryer on low, or hang dry washables. Related: [How to Go as Long as Possible Without Doing Laundry](https://www.cheapism.com/how-to-do-less-laundry/) ## DIY Yardwork ![rake with fall leaves](https://www.cheapism.com/wp-content/uploads/2025/07/101518_fitness_slide12.original.jpg) Elenathewise/istockphoto Instead of [farming out your yardwork](https://www.cheapism.com/cheap-gardening-ideas-16747/) to a lawn service, so to speak, dig in and take care of it yourself. Lawn services can charge \$35 or more for an average size yard. ## Plant a Garden ![male farmer working in a vegetable garden](https://www.cheapism.com/wp-content/uploads/2025/07/26911-11.original.jpg) shapecharge/istockphoto Take the DIY yardwork a step further by planting a garden that can provide cheap, homegrown fruits and vegetables. [Initial expenses are minimal,](https://www.cheapism.com/home-gardening-tips-17060/) and if you end up with more produce than you can use, you can [freeze it for later](https://www.cheapism.com/how-to-freeze-vegetables-3767/). ## Unplug ![electrical power cord on white background](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_53_fs.original.jpg) slobo/istockphoto Unplugging DVR cable boxes, computers, and other appliances when they’re not in use could knock \$200 a year off the electric bill, according to the National Renewable Energy Laboratory, but ending “vampire drain” is only one of many ways to save on energy costs. ## Keep the Wedding Simple ![flowers decoration in lanterns](https://www.cheapism.com/wp-content/uploads/2025/07/shutterstock_218297722.original.jpg) Andrii Oleksiienko/shutterstock Large floral centerpieces, paying for an open bar, and extravagant extras such as an ice sculpture can add up quickly. Consider a [simple wedding](https://www.cheapism.com/destination-wedding-alternatives/) and put the savings toward a goal such as buying a home or paying down debts. Related: Things You Won’t See at Weddings in the Coronavirus Era ## Book Travel Directly ![tourist woman in hotel room making credit card reservation for flight](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_55_fs.original.jpg) martin-dm/istockphoto Booking directly with travel providers can yield savings and extra perks, such as free Wi-Fi, fewer hidden fees, and more flexibility. ## Some Things Are Worth a Little More ![cooking in kitchen with flame](https://www.cheapism.com/wp-content/uploads/2025/07/230-20160429-044223-4015-121615_best_money_savi.original.jpg) Kzenon/shutterstock Don’t go rock-bottom-cheap on these household items: skillets, knives, storage containers, furniture, and vacuums. Stepping up a bit in price is worthwhile to net [goods that will last](https://www.cheapism.com/items-to-splurge-on-18061/) and save money in the long run. ## Take Volunteer Vacations ![woman volunteer cleaning on the beach](https://www.cheapism.com/wp-content/uploads/2025/07/346-20160429-044223-4015-121615_best_money_savi.original.jpg) wavebreakmedia/shutterstock Here’s another travel alternative to consider when pandemic restrictions ease. For a way to see the world and also give back, consider a [volunteer vacation](https://www.cheapism.com/ecotourism-vacations/). The experience can be personally rewarding and much less expensive than a resort. ## Shop At Stores With Generous Return Policies ![Nordstrom store](https://www.cheapism.com/wp-content/uploads/2025/07/102816_retail_holiday_hiring_2015_vs_2016_slide.original_OvDzSqx.jpg) Michael Gordon/shutterstock Take the stress out of shopping and guarantee a purchase will be appreciated by going to stores with good, [consumer-friendly return policies](https://www.cheapism.com/store-return-policies/). Nordstrom is a longtime favorite, and there are several other stores with similar approaches, [including Costco](https://www.cheapism.com/costco-return-policy/). ## Take Alternative Transportation ![business man walking down steps while carrying his bicycle](https://www.cheapism.com/wp-content/uploads/2025/07/121316_new_year_resolutions_that_save_money_sli.original_rnCsQRG.jpg) Lucky Business/shutterstock Electric bikes and scooters offer inexpensive and relatively sweat-free alternatives to a car for consumers eager to cut transportation costs. Related: [Best Cities for Living Without a Car](https://www.cheapism.com/cities-to-live-without-a-car-4078/) ## Send Inexpensive Flowers ![pink carnations](https://www.cheapism.com/wp-content/uploads/2025/07/578-20160429-044234-4015-121615_best_money_savi.original.jpg) Hong Vo/shutterstock Chrysanthemums, carnations, and alstroemerias (Peruvian lilies) cost less than roses and last longer. No matter the type of flowers, call a local florist near the recipient instead of ordering online. The florist may offer savings or prepare a better bouquet for the same price. ## Reject Weight-Loss Gimmicks ![overweight woman taking pills for weight loss](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_61_fs.original.jpg) Vadym Petrochenko/istockphoto Some weight-loss methods are too good to be true. Avoid paying for creams, seven-minute workouts, shakes, pills, and fad diets that do not address the needs of the body as a whole. Choose a plan that emphasizes healthy eating and exercise over a quick fix. The instilled habits are more valuable in the long run. ## Try Name-Your-Price Shopping ![African American woman photographing her food on a cafe counter](https://www.cheapism.com/wp-content/uploads/2025/07/022118_ways_to_make_extra_money_slide_30_fs.original.jpg) UberImages/istockphoto Priceline, Hotwire, and other travel sites aren’t the only ones that let consumers name the price they want to pay. Greentoe has a similar setup for photography equipment, home theater items, appliances, and more. ## Buy Secondhand ![thrift shop](https://www.cheapism.com/wp-content/uploads/2025/07/538-20160429-050534-3474-032715_used_goods_slid.original.jpg) Matej Kastelic/shutterstock Garage sales, thrift stores, and [flea markets](https://www.cheapism.com/50-flea-markets-across-america-bargain-hunters-wont-want-miss-4248/) are brimming with gently used items that may be your next big treasure. [Books, sporting goods, and kids’ clothes](https://www.cheapism.com/buying-used-stuff-17327/) can be had at rock-bottom prices. ## Refinance Private Student Loans ![students writing tasks on whiteboard in class, laughing with classmates](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_64_fs.original.jpg) Prostock-Studio/istockphoto Borrowers whose financial situation has improved since graduation may want to look into refinancing their private student loans to potentially lower interest rates. Lenders look beyond credit scores to the borrower’s income, job, education level, degree, and other financial obligations. ## Reevaluate Federal Student Loans ![student loan form with dollars and books](https://www.cheapism.com/wp-content/uploads/2025/07/442-20160429-044229-4015-121615_best_money_savi.original.jpg) designer491/shutterstock Refinancing federal student loans can lead to lower interest rates, which can save borrowers money. Be aware, though: After refinancing with a private lender, borrowers are not eligible for federal payment plans based on income or forgiveness programs. ## Lower Auto Insurance Costs ![Istock 639263298](https://www.cheapism.com/wp-content/uploads/2025/07/iStock-639263298.original.jpg) zimmytws/istockphoto There are many ways to get discounts on auto insurance policies: Take a defensive driving class, install an anti-theft device, or use the same company for several types of insurance, for instance. ## Get Teen Discounts on Auto Insurance ![young woman showing the car keys through the car window](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_67_fs.original.jpg) MarioGuti/istockphoto Young drivers often must [pay more for auto insurance](https://www.cheapism.com/how-to-buy-a-car-for-a-teen/), but some providers offer discounts to teens who maintain good grades or take driving courses or online classes. ## Buy Renters Insurance ![note on desk keyboard to call about renters insurance](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_68_fs.original.jpg) Milaspage/istockphoto Renters may benefit from an insurance policy even if they don’t have many possessions. Renters insurance could cover theft of personal property even if it occurs outside the home, and liability protection in the event someone is injured and sues. Buying a fire extinguisher or paying premiums for a full year all at once usually generates a discount. ## Ask About Student Discounts ![college girls shopping in store](https://www.cheapism.com/wp-content/uploads/2025/07/463-20160429-044234-4015-121615_best_money_savi.original.jpg) auremar/shutterstock Students are often on a shoestring budget, but there are plenty of savings opportunities. Some clothing stores, including Madewell, ASOS, and Topshop, offer a 10% to 15% student discount. Restaurants, grocery stores, movie theaters, gyms, and technology companies also offer discounts for students. ## Pay Higher Deductibles ![close up shot of an insurance policy](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_71_fs.original.jpg) Kameleon007/istockphoto To decrease premiums on your insurance, raise the deductible (the amount the policyholder must pay before the insurance company starts to cover costs). ## Think Twice Before Filing Insurance Claims ![car with wrecked bumper](https://www.cheapism.com/wp-content/uploads/2025/07/550-20160429-044219-4015-121615_best_money_savi.original.jpg) Tidarat Tiemjai/shutterstock When the cost to replace possessions or fix a vehicle is less than an insurance deductible, it may make sense not to make a claim. The policyholder has to pay for the damages out-of-pocket either way, and reporting the incident may result in higher premiums. ## Take Care With a Car ![man cleaning his car](https://www.cheapism.com/wp-content/uploads/2025/07/764-20160429-044226-4015-121615_best_money_savi.original.jpg) Photographee.eu/shutterstock Most people know a new car’s value drops as soon as it’s driven off the lot. Help maintain the value by taking the car in for regular checkups, waxing the exterior, and avoiding eating or drinking inside. ## Use a Standing Desk for Less ![standing desk](https://www.cheapism.com/wp-content/uploads/2025/07/373-20160429-044220-4015-121615_best_money_savi.original.jpg) Amazon Standing desks can encourage workers to be less sedentary and offer a nice change from sitting in front of a computer all day. Retail prices can reach into the thousands, but there are cheaper alternatives, including a wall-mounted shelf or stacking books or boxes to raise the height of a laptop or monitor. Keep feet relaxed by standing on a folded yoga mat or anti-fatigue mat. ## Adapt to Age Well ![Seniors exercising outside](https://www.cheapism.com/wp-content/uploads/2025/07/043018_finding_a_senior_living_community_slide_.original_Z5PNHYQ.png) Rawpixel/istockphoto Some basic lifestyle changes can help maintain or improve health as you age. Work in 30 minutes of physical activity a day, get plenty of sleep, and try to minimize sugar intake. ## Consider Refinancing Your Mortgage ![refinanced mortgage approved](https://www.cheapism.com/wp-content/uploads/2025/07/286-20160429-044223-4015-121615_best_money_savi.original.jpg) alexskopje/shutterstock Refinancing a mortgage could lead to significant savings. Shop around to [get quotes from different lenders](https://www.cheapism.com/mortgage-shopping/) and consider different loan terms. ## Get Last-Minute Tax Savings ![1040 tax forms](https://www.cheapism.com/wp-content/uploads/2025/07/441-20160429-044220-4015-121615_best_money_savi.original.jpg) Sakarin Sawasdinaka/shutterstock Get a [tax deduction for the current year](https://www.cheapism.com/tax-credits-deductions-write-offs) by contributing to an Individual Retirement Arrangement right up to the tax-filing deadline in the coming year. The IRA contribution limit for 2020 and 2021 is \$6,000 (\$7,000 for taxpayers 50 and older). ## Price Match ![hand with mobile on Amazon](https://www.cheapism.com/wp-content/uploads/2025/07/312-20160429-044219-4015-121615_best_money_savi.original.jpg) Twin Design/shutterstock Some major retailers, including Walmart, Target, Staples, and Best Buy price match Amazon. There are many exclusions to watch out for, but checking prices with a smartphone before making an in-store impulse buy can yield savings. ## Touch Up a Bathroom Instead of Tearing It Out ![man fixing up bathroom](https://www.cheapism.com/wp-content/uploads/2025/07/789-20160429-044225-4015-121615_best_money_savi.original.jpg) forestpath/shutterstock Save on a DIY bathroom remodel by keeping the basic layout the same and making other improvements: installing a new vanity countertop, painting the walls, putting up a new mirror, and regrouting the floor and other tile. ## Deduct Mileage ![woman in car with clipboard](https://www.cheapism.com/wp-content/uploads/2025/07/418-20160429-044219-4015-121615_best_money_savi.original.jpg) Kekyalyaynen/shutterstock The IRS has yet to announce the rate for 2022, but small-business owners who record the miles they drive for work could take a deduction of 56 cents a mile in 2021 — a decrease of 1.5 cents from the year before. The rate stayed the same for taxpayers who don’t own a business but drove for charitable purposes, or to and from a volunteer event: 14 cents a mile. For moving or medical purposes, the rate is 16 cents per mile in 2021, down a penny from a year earlier. ## Track Prices ![woman wearing blue jeans shirt and sunglasses using mobile phone to compare price and holding orange shopping basket in mini mart background](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_80_fs.original.jpg) Techa Tungateja/istockphoto Sites such as CamelCamelCamel and PriceSpider monitor the price of goods at stores such as Amazon, Best Buy, and Newegg so shoppers can pounce when the price drops. ## Be Careful Hiring a Contractor ![team of happy manual workers welcoming a couple to their apartment](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_81_fs.original.jpg) skynesher/istockphoto Before hiring a contractor, figure out if someone with specialized training is needed and get recommendations from friends and family. Set a budget and ask contractors for an itemized task and quote list. To be safe, budget for cost overruns up to 20% of the initial quote. ## Improve Curb Appeal for Less ![planting flowers in a garden](https://www.cheapism.com/wp-content/uploads/2025/07/051618_homeowners_associations_slide_18_fs.original.jpg) ljubaphoto/istockphoto Preparing a home for [potential buyers](https://www.cheapism.com/selling-your-home/) or visiting relatives doesn’t have to involve expensive improvements: Clearing the driveway and walkways, cleaning the windows to let in natural light, and decorating the front with all-season plants may be the most important steps. ## Compare Moving Expenses ![close-up of two delivery men carrying cardboard box](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_83_fs.original.jpg) AndreyPopov/istockphoto The cost of shipping may be less than renting a truck for a long-haul move for people without large furniture. [Before packing up and moving](https://www.cheapism.com/easy-move-17282/), compare quotes from local moving companies against shipping costs. ## Practice Preventive Care ![female doctor and female patient discussing](https://www.cheapism.com/wp-content/uploads/2025/07/030117_free_obamacare_services_slide_16_fs.original.jpg) Branislav Nenin/shutterstock Emergency room visits can cost thousands — or tens of thousands of dollars. Taking [preventive health measures](https://www.cheapism.com/preventive-care-to-avoid-financial-catastrophe-14710/) such as getting regular checkups or screenings, and practicing safe sex could reduce the chances of running into health problems. ## Ignore Pricey Workout Clothes ![beautiful young black woman shopping for clothes with her caucasian boyfriend](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_85_fs.original.jpg) Juanmonino/istockphoto Lululemon and Athleta may be in vogue, but frugal fitness buffs can turn to plenty of places for deals on workout clothes. Check out websites such as The Clymb, ClothingUnder10, and Steep & Cheap, or inexpensive retailers such as Old Navy. ## Try Some Simple Kitchen Hacks ![banana stems](https://www.cheapism.com/wp-content/uploads/2025/07/408-20160429-044220-4015-121615_best_money_savi.original.jpg) Helen’s Photos/shutterstock A few simple kitchen hackscan save money and time. To cite just a couple: Wrap banana stems in plastic to keep them fresh longer (keeping the plastic wrap chilled to make it easier to separate and tear) and put marshmallows in brown sugar to keep it soft. ## Peruse Blemished Produce ![shopping for the freshest produce at the best price](https://www.cheapism.com/wp-content/uploads/2025/07/030719_grocery_saving_tips_slide_25_fs.original.jpg) Tassii/istockphoto Grocery stores often have a section where bruised and overripe produce is [sold at clearance prices](https://www.cheapism.com/grocery-stores-food-waste/). These fruits and vegetables work just fine in sauces, pie fillings, stews, and smoothies. Consider signing up for an “ugly produce” delivery service such as [Imperfect Foods](https://www.imperfectfoods.com/) or [Misfits Market](https://www.misfitsmarket.com/) if it’s cost effective and delivers in your area. ## Be a Smart Souvenir Shopper ![salt water taffy](https://www.cheapism.com/wp-content/uploads/2025/07/223-20160429-044241-4015-121615_best_money_savi.original.jpg) Brent Hofacker/shutterstock When taking a trip or traveling to a new state, look for representative souvenirs that are small, lightweight, and inexpensive. Macadamia nuts or Kona coffee from Hawaii, saltwater taffy from the New Jersey shore, or an album from one of Nashville’s well-known record shops are examples. ## Get Hotel Rewards ![senior couple at hotel counter](https://www.cheapism.com/wp-content/uploads/2025/07/745-20160429-044237-4015-121615_best_money_savi.original.jpg) Kzenon/shutterstock Even infrequent travelers can save money by enrolling in hotel loyalty programs. Basic membership comes with late checkout and complimentary newspapers at some chains. ## Consider a Credit Union ![African American woman shaking hands with bank worker](https://www.cheapism.com/wp-content/uploads/2025/07/011718_credit_union_slide_0_fs.original.jpg) simonkr/istockphoto [Credit unions](https://www.cheapism.com/credit-union-18566/) are nonprofits owned cooperatively by members (people with an account at the credit union). They offer many of the same services as banks but give more savings and profits to members. Fees and interest rates may be lower on credit cards and loans, and checking and savings accounts may pay higher interest compared with other financial services firms. ## Share and Save ![man starting up lawn mower](https://www.cheapism.com/wp-content/uploads/2025/07/072516_what_to_buy_in_august_2016_slide_7_fs.original.jpg) Photographee.eu/shutterstock Families, friends, and neighbors can share all sorts of things to save money. Power tools, lawn mowers, and luggage are just the start. Look for ongoing savings by sharing phone plans or streaming video subscriptions, too. ## Don’t Fall Victim to Nuisance Debt ![person holding past due notices](https://www.cheapism.com/wp-content/uploads/2025/07/815-20160429-044227-4015-121615_best_money_savi.original.jpg) Andrey\_Popov/shutterstock Small debts can have a large effect on a credit score if they go unpaid and get passed on to a collections agency. Newer credit scoring models ignore debts of less than \$100, but not all lenders use the latest models. ## Leave the Kids Home When You Shop ![woman in a supermarket with list](https://www.cheapism.com/wp-content/uploads/2025/07/120817_christmas_outsourcing_help_slide_10_fs.original.jpg) gilaxia/istockphoto Children are fountains of endless desires, and stores understand this, often positioning kid-targeted merchandise right where youngsters will see it. So outsmart the masters of marketing and keep the kids out of the equation. Maybe even offer to trade babysitting time with other parents to do so. ## Do Your Own Car Maintenance ![brake disc system without wheel in the vehicle for repair](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_93_fs.original.jpg) Waranya Sawasdee/istockphoto Some car repairs, such as an oil change or brake pad replacement, are relatively easy DIY chores. Other fixes generally require a trained mechanic and could be costly. If a problem arises after the warranty has expired, it may be possible to save money by contacting the manufacturer for “goodwill assistance.” ## Fight the Temptation to Eat Out ![slow cooker on kitchen countertop](https://www.cheapism.com/wp-content/uploads/2025/07/iStock-93529521.original.jpg) matt6t6/istockphoto Keep food costs down by buying in bulk, using a slow cooker, [eating at home](https://www.cheapism.com/homemade-takeout-meals-4321/), and saving leftovers for another meal. Keep small snacks in the car or at work to avoid the urge to go to restaurants. ## Keep the Grocery Budget Low ![woman writing list in grocery store](https://www.cheapism.com/wp-content/uploads/2025/07/357-20160429-044217-4015-121615_best_money_savi.original.jpg) wavebreakmedia/shutterstock To [keep from overspending at the grocery store](https://www.cheapism.com/grocery-saving-tips-14650/), eat before going shopping, make a list, and use only a set amount of cash to buy food. (Splurge once in a while to keep things interesting.) ## Buy a Mattress Online ![playful woman with her partner while he is moving in a matress into their new place](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_96_fs.original.jpg) Hispanolistic/istockphoto Many sound sleepers advocate [buying a mattress online](https://www.cheapism.com/cheap-mattresses/). Shops such as Casper, Leesa, and Tuft & Needle sell high-quality foam mattresses starting around \$500. Search for discounts and coupon codes for further savings. There are also inexpensive options on Amazon, but they don’t offer the same warranties or trial period. ## Improve Gas Mileage ![close up of man crouching on the gas station and inflating tire](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_97_fs.original.jpg) dusanpetkovic/istockphoto Start tracking your vehicle’s gas mileage, and focus on ways to improve it. Some simple tips include maintaining proper tire pressure, checking the tire alignment, and accelerating slowly. ## Shop Costco Without a Membership ![Costco cart](https://www.cheapism.com/wp-content/uploads/2025/07/493-20160429-044218-4015-121615_best_money_savi.original.jpg) a katz/shutterstock Costco doesn’t require a membership for every purchase. Anyone can eat at the food court or get a flu shot. In some states, nonmembers can buy alcohol, as well. ## Keep Vet Bills Low ![vet smiling and hugging dog](https://www.cheapism.com/wp-content/uploads/2025/07/511-20160429-044218-4015-121615_best_money_savi.original.jpg) VGstockstudio/shutterstock To save money on pet care, shop around before choosing a vet. Look for discount packages and focus on preventive care. Regular exercise and a proper diet of high-quality food are keys to keeping pets healthy. ## Get a Side Gig ![tutor teaching teen](https://www.cheapism.com/wp-content/uploads/2025/07/719-20160429-044227-4015-121615_best_money_savi.original.jpg) comodigit/shutterstock Cutting back can help only so much, and there are lots of ways [to make money on the side](https://www.cheapism.com/best-part-time-gigs/). Become a mystery shopper, tutor, organize or clean homes, babysit, or drive people using a ride-share app. ## Meet the Writer ### [Louis DeNicola](https://www.cheapism.com/louis-denicola/) Louis DeNicola is a freelance personal finance writer who specializes in credit, debt, and practical money-saving tips. He loves stacking savings opportunities to get amazing deals, traveling for free using credit card rewards, and teaching others how to do the same. Connect with Louis by visiting louisdenicola.com. ## More Topics in Money - [Business](https://www.cheapism.com/category/money/business/) - [Careers](https://www.cheapism.com/category/money/careers/) - [Housing & Real Estate](https://www.cheapism.com/category/money/housing-real-estate/) - [Living on a Budget](https://www.cheapism.com/category/money/living-on-a-budget/) - [News](https://www.cheapism.com/category/money/news/) - [Personal Finance](https://www.cheapism.com/category/money/personal-finance/) - [Retirement](https://www.cheapism.com/category/money/retirement/) - [Taxes](https://www.cheapism.com/category/money/taxes/) ## More Posts From Money[View All](https://www.cheapism.com/category/money/) - [![Exterior of Burger King restaurant on clear summer day](https://www.cheapism.com/wp-content/uploads/2025/08/Burger-King.original-570x380.jpg)](https://www.cheapism.com/burger-king-hiring-spree/) Jonathan Weiss / shutterstock [Money](https://www.cheapism.com/category/money/) / [Careers](https://www.cheapism.com/category/money/careers/) ### [Looking for a Job? Burger King to Hire 60,000 Workers Across the US](https://www.cheapism.com/burger-king-hiring-spree/) April 6, 2026 - [![Luggage on a baggage claim conveyor belt](https://www.cheapism.com/wp-content/uploads/2022/09/Checked_Baggage.original-570x380.png)](https://www.cheapism.com/united-and-jet-blue-just-raised-baggage-fees/) BrianAJackson/istockphoto [Travel](https://www.cheapism.com/category/travel/) ### [Another Hit for Travelers: United and JetBlue Just Raised Baggage Fees](https://www.cheapism.com/united-and-jet-blue-just-raised-baggage-fees/) April 6, 2026 - [![A barista hands a cup of coffee with latte art to a customer across a counter in a café; stacks of napkins and cups are visible in the background.](https://www.cheapism.com/wp-content/uploads/2026/04/coffee-shop-570x380.jpg)](https://www.cheapism.com/overpriced-items-people-still-pay-for/) AsiaVision/istockphoto [Money](https://www.cheapism.com/category/money/) / [Personal Finance](https://www.cheapism.com/category/money/personal-finance/) ### [‘Boggles My Brain:’ Why Are People Still Paying for These Ridiculously Overpriced Items?](https://www.cheapism.com/overpriced-items-people-still-pay-for/) April 3, 2026 - [![mcdonalds-best-fast-food](https://www.cheapism.com/wp-content/uploads/2024/10/mcdonalds-best-fast-food.original-scaled.jpg)](https://www.cheapism.com/mcdonalds-new-value-menu-under-3/) McDonald’s [Food & Drink](https://www.cheapism.com/category/food-drink/) / [Fast Food](https://www.cheapism.com/category/food-drink/fast-food/) ### [10 Items Under \$3: Is McDonald’s New Value Menu Finally Giving Our Wallets a Break?](https://www.cheapism.com/mcdonalds-new-value-menu-under-3/) April 2, 2026 ## More Topics in Money - [Business](https://www.cheapism.com/category/money/business/) - [Careers](https://www.cheapism.com/category/money/careers/) - [Housing & Real Estate](https://www.cheapism.com/category/money/housing-real-estate/) - [Living on a Budget](https://www.cheapism.com/category/money/living-on-a-budget/) - [News](https://www.cheapism.com/category/money/news/) - [Personal Finance](https://www.cheapism.com/category/money/personal-finance/) - [Retirement](https://www.cheapism.com/category/money/retirement/) - [Taxes](https://www.cheapism.com/category/money/taxes/) [![Logo for "Cheapism" with the word in bold purple letters. 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Readable Markdown	There are a lot of ways to waste money, and the pandemic hasn’t made anything any easier. But fortunately, there are also a lot of ways to save. From [lowering your utility costs](https://www.cheapism.com/energy-conservation-myths/) to coupon sites, this roundup of 100 money-saving, reward-earning, and frugal-living tips will help you stay ahead of the game financially. Keep it handy by bookmarking it in your favorite browser and on your smartphone. Related: [Household Products That Are a Complete Waste of Money](https://www.cheapism.com/useless-products-17711/) ## Cut the Cord ![Netflix Begins Streaming in 2007](https://www.cheapism.com/wp-content/uploads/2025/07/081417_history_of_retail_slide_50_fs.original.jpg) Kaspars Grinvalds/shutterstock Consumers can save by joining the cord-cutting revolution and opting for a streaming stick from Roku, Google, or Amazon, or a set-top box such as Apple TV. Even subscribing to more than one streaming service, monthly entertainment [costs can dip dramatically](https://www.cheapism.com/best-streaming-services/) without a cable subscription, and there is still plenty to watch. Related: [Awesome Gifts for Couch Potatoes and TV Lovers](https://www.cheapism.com/gift-ideas-couch-potato-14832/) ## Dress Up for Less ![two young women choosing dresses in a luxury fashion store](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_2_fs.original.jpg) pixelfit/istockphoto Want the outfit worn by a celebrity? It may be possible to find [a similar look for a lot less](https://www.cheapism.com/shoe-knockoffs-boot-lookalikes/) at a low-price apparel chain such as Old Navy — or get the very same look short term at a site such as Rent the Runway. ## Insist on No-Fee Banking ![cash withdrawal in dollars from an ATM](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_3_fs.original.jpg) ViktoriiaNovokhatska/istockphoto Switch to a bank with fee-free checking and ATM use or fee reimbursement — often available from smaller local banks or [credit unions](https://www.cheapism.com/credit-union-18566/). These institutions also typically offer checking accounts with no minimums and [lower fees than large banks](https://www.cheapism.com/big-banks-disadvantages/). Explore online services from Charles Schwab, Ally Bank, or USAA Bank (for members and relatives of military members and veterans). ## Spend Less to See Movies ![One Man in an Empty Theater stock photo](https://www.cheapism.com/wp-content/uploads/2025/07/PSX_20200806_073235.original.jpg) patrickheagney/istockphoto Movie-going is an iffy proposition these days, but when cinemas reopen in full you’ll want to think about saving money by buying tickets in bulk at warehouse clubs or straight from theater chains, attending matinees, going on discount days, and avoiding the overpriced snack bar. ## Dine Where Kids Eat Free ![child eating burger at fast food place](https://www.cheapism.com/wp-content/uploads/2025/07/741-20160429-044240-4015-121615_best_money_savi.original.jpg) Alinute Silzeviciute/shutterstock At least five days of the week (generally not Friday and Saturday) there’s a restaurant chain that lets [kids eat for free](https://www.cheapism.com/kids-eat-free-restaurant-deals-16154/) after the purchase of an adult entree. Clearly the pandemic has wreaked havoc on the restaurant industry with [many chains closing locations](https://www.cheapism.com/restaurant-chains-closing-locations-this-year/), but many still have kids-eat-free offers and other [family friendly deals](https://www.cheapism.com/family-fast-food-deals/). Related: [The Best Value Meal Deals at Chains Across the Country](https://www.cheapism.com/best-value-meal-deals-15294/) ## Drop Unused Memberships ![gym](https://www.cheapism.com/wp-content/uploads/2025/07/801-20160429-044242-4015-121615_best_money_savi.original.jpg) Serghei Starus/shutterstock Check monthly bills and think twice about memberships that aren’t used often. Whether it’s a subscription box with products that aren’t often to your liking or an infrequently visited gym (which may still be a good place to avoid these days), if the service isn’t providing value, stop paying for it. For more great money-saving tips, [please sign up for our free newsletters](https://cheapism.us14.list-manage.com/subscribe?u=de966e79b38e1d833d5781074&id=c14db36dd0). ## Find Free Fun ![couple hiking in the woods](https://www.cheapism.com/wp-content/uploads/2025/07/857-20160422-022211-041116_cheap_hiking_gear_sl.original.jpg) Maridav/shutterstock Cut your entertainment budget: Spend a day outdoors hiking along one of the many [beautiful trails this country has to offer](https://www.cheapism.com/best-hiking-trails-3536/). If it’s cold, check out [bookstores so cool that visiting is worth it](https://www.cheapism.com/best-bookstores/) even without a purchase. ## Pay Off Credit Cards ![credit card and statement](https://www.cheapism.com/wp-content/uploads/2025/07/417-20160429-044225-4015-121615_best_money_savi.original.jpg) jason cox/shutterstock It’s a myth that keeping a small balance on a credit card [improves credit scores](https://www.cheapism.com/credit-score-myths-3798/). On the contrary: Paying off balances can help cardholders boost their scores — and save money by avoiding interest payments. ### Sign up for our newsletter Subscribe to Cheapism and get exclusive tips, top deals, and money-saving ideas sent directly to you. ## Take Advantage of Libraries ![African American woman in library reading a book](https://www.cheapism.com/wp-content/uploads/2025/07/020818_warning_signs_youre_50_slide_18_fs.original.jpg) kali9/istockphoto Libraries do more than offer free books; they rent movies and ebooks inexpensively and host classes of all sorts, among other services. [Libraries are also accommodating workspaces](https://www.cheapism.com/amazing-libraries-all-50-states-4230/) — they’re quiet and there’s no need to buy coffee or a snack every few hours. ## Seek Out Offbeat Attractions ![Cadillac Ranch, Texas](https://www.cheapism.com/wp-content/uploads/2025/07/802-20160429-045706-3715-072015_rdsd_attrctns_s.original.jpg) Seek Out Offbeat Attractions by [Richie Diesterheft (](https://www.flickr.com/people/10058483@N00)[(CC BY))](https://creativecommons.org/licenses/by/4.0/) Looking for an cheap or free vacation thrill? There’s something [unexpected or off the beaten path in every state](https://www.cheapism.com/weird-roadside-attractions-17021/), from an inn shaped like a giant beagle to the famed Cadillac Ranch in Texas. Related: [50 Picturesque Road Trips for Safer Travel During the Pandemic](https://www.cheapism.com/safe-road-trips/) ## Ask About Senior Discounts ![Seniors talking to waitress at restaurant](https://www.cheapism.com/wp-content/uploads/2025/07/Senior_Discount.original.jpg) monkeybusinessimages/istockphoto The age for senior discounts may be as young as 50 [at restaurants, grocery stores, and clothing retailers](https://www.cheapism.com/senior-discounts-list/). With deals ranging from 5% to 50% off, make sure to ask. ## Don’t Write Off Boutique Hotels, Airbnb, or Vrbo ![African woman pulling the curtains in hotel room, in the morning](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_12_fs.original.jpg) valentinrussanov/istockphoto When travel hits full stride again post-pandemic, travelers looking for an alternative to a generic room in a large hotel chain property can opt for an inexpensive boutique hotel. There are options across the country worth considering, and rates can be as low as \$50 a night. Airbnb and Vrbo sites can also provide unique experiences, whether you want an [Airstream trailer](https://www.cheapism.com/coolest-airstream-airbnbs/), [winter cabin](https://www.cheapism.com/best-winter-airbnb/) or a [Hobbit hole](https://www.cheapism.com/amazing-airbnbs/). ## Book Slightly Outside of Town ![hotel doorway with open door in front of blur bedroom background](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_13_fs.original.jpg) undefined undefined/istockphoto Hotels are often cheaper farther from the city center or from major attractions. This isn’t always true at holiday times, though. That’s when business travel is at a lull, and rates may fall in a city’s financial district. Also, be sure to keep an eye peeled for [hotel freebies](https://www.cheapism.com/secret-hotel-perks-17133/), such as snacks and entertainment. ## Avoid Baggage Fees ![smiling young businesswoman stands in the aisle of a commercial airliner and places her carry on bag in the overhead bin](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_14_fs.original.jpg) SDI Productions/istockphoto Even if flying isn’t on your immediate agenda, you’ll want to remember that many airlines charge for checked bags. But there are [ways to fit everything into a carry-on](https://www.cheapism.com/carry-on-packing-tips-3705/) and otherwise [eliminate or reduce airline baggage fees](https://www.cheapism.com/us-domestic-airline-fees/). Watch out for budget airlines that collect fees even for carry-ons and fare classes, such as one one on [United](https://www.united.com/web/en-US/content/travel/inflight/basic-economy.aspx), that also limits free baggage to one personal item. ## Try a Home Juicer ![fruits being juiced by juicer](https://www.cheapism.com/wp-content/uploads/2025/07/iStock-507774793.original.jpg) simpson33/istockphoto Instead of buying bottled juices or doing a pricey, prepackaged cleanse, use a home juicer. The time commitment and cleanup are not for everyone, so [start with a cheap juicer](https://www.cheapism.com/cheap-juicer-recommendations-18484/) and upgrade if juicing turns into an ongoing thing. ## Learn Price Code Secrets ![jeans with price tag](https://www.cheapism.com/wp-content/uploads/2025/07/902-20160429-044220-4015-121615_best_money_savi.original.jpg) Anan Kaewkhammul/shutterstock Many retailers use price codes (for example, a price that ends in .97) on tags to indicate whether an item is a final markdown or may be discounted further. ## Negotiate ![couple buying car at dealership](https://www.cheapism.com/wp-content/uploads/2025/07/548-20160429-044220-4015-121615_best_money_savi.original.jpg) Syda Productions/shutterstock Negotiating makes sense more often than you might expect. With market information in hand, go straight to the manager at a rental car agency or hotel and try to wrangle a deal. No luck lowering the price? Try getting more value with an upgrade or fee waiver. ## Install a Programmable Thermostat ![woman's hand setting the room temperature on a modern programmable thermostat](https://www.cheapism.com/wp-content/uploads/2025/07/thermostats_2500.original.jpg) Steve Cukrov/shutterstock Smart thermostats [can be real money savers](https://www.cheapism.com/will-smart-home-thermostat-pay-itself-15897/) — they learn residents’ preferences and can be controlled from afar — but even a [cheap programmable thermostat](https://www.cheapism.com/cheap-thermostats/) set at a reasonable temperature can save \$180 a year on average, according to the federal government’s Energy Star program. ## Sell Clothes ![young woman is sorting out wardrobe](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_19_fs.original.jpg) urbazon/istockphoto Earn extra cash by [selling unwanted clothing](https://www.cheapism.com/sell-your-clutter-online-16161/) on websites such as Poshmark, Vinted, ThredUp, or The RealReal. ## Rent and Swap Toys ![woman donating unwanted items to charity shop](https://www.cheapism.com/wp-content/uploads/2025/07/120916_tax_deductible_donations_2016_slide_7_fs.original.jpg) SpeedKingz/shutterstock Don’t waste money on toys that children will cast aside after a few months. Instead, consider toy swaps with local parents. Related: [Ways Parents Waste Money on Kids](https://www.cheapism.com/expensive-parenting/) ## Don’t Go Overboard for Savings ![coupons and sissors](https://www.cheapism.com/wp-content/uploads/2025/07/917-20160429-050657-3276-120314_online_shopping.original.jpg) Carolyn Franks/shutterstock Being [too cheap](https://www.cheapism.com/frugal-money-saving-habits-17321/) may not be financially wise. Don’t blindly choose the [least expensive item when it’s low-quality](https://www.cheapism.com/dont-be-cheap/), for instance. And make sure extreme couponing or a long drive to find the cheapest gas isn’t wasting more time than it’s worth. ## Buy Generic Food and Drugs ![aspirin pills](https://www.cheapism.com/wp-content/uploads/2025/07/619-20160429-044232-4015-121615_best_money_savi.original.jpg) Shane Maritch/shutterstock Doctors tend to buy generic versions of [common medications](https://www.cheapism.com/drug-costs/), and chefs buy store-brand baking supplies such as brown sugar. Private labels and generics usually [cost less for the same quality](https://www.cheapism.com/pharmacies/). Related: How Seniors Can Save on Health Care ## Shop for a Diamond Online ![diamond](https://www.cheapism.com/wp-content/uploads/2025/07/225-20160429-044232-4015-121615_best_money_savi.original.jpg) sumire8/shutterstock Looking for a diamond ring for a holiday engagement? Get a good price by shopping online and knowing the five C’s: clarity, color, cut, carat, and certification. Don’t compromise on cut, which makes a diamond sparkle, but a low clarity or color grade is harder to notice and can make a large stone more affordable. Also consider alternative synthetic diamonds or alternative gemstones. ## Use Veterans’ Discounts ![relieved little girl hugs her mom after her mom's return home from military service](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_25_fs.original.jpg) SDI Productions/istockphoto Veterans can take advantage of a slew of [discounts and benefits year-round](https://www.cheapism.com/disabled-veterans-death-education-benefits-14849/). Lowe’s, for example, offers 10% off to active and retired military and those receiving Veterans Affairs benefits. ## Seek Alternative Phone Service ![Closeup of young adults using smart phones](https://www.cheapism.com/wp-content/uploads/2025/07/Phone_Plans.original.png) monkeybusinessimages/istockphoto Escape the contract and switch to an ultra-cheap phone provider such as FreedomPop or Republic Wireless. They use the same towers as some of the big telecom companies but charge consumers just a fraction of the price. ## Test Out of College Classes ![hand holding pencil for testing exams writing answer sheet for taking fill in admission exam](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_27_fs.original.jpg) smolaw11/istockphoto Yes, it’s possible to earn a bachelor’s degree for less by testing out of required classes at an accredited college. This path requires a lot of self-discipline but can save tens of thousands of dollars. ## Do Disney on a Budget ![Disney World Magic Kingdom](https://www.cheapism.com/wp-content/uploads/2025/07/961px-Cinderella_Castle__Magic_Kingdom.original.jpg) Disney World Magic Kingdom by [Rstoplabe14 (](https://en.wikipedia.org/wiki/User:Rstoplabe14)[(CC BY-SA))](https://creativecommons.org/licenses/by-sa/4.0/) A trip to see Mickey and the gang may be just a wish upon a star in the near term because of pandemic closures and restrictions, but a visit to the Disney theme parks can be a costly affair. Regular tickets to Disney World are [more than \$100](https://www.cheapism.com/disney-ticket-prices/) for ages 10 and up, but there are ways to [save on a Disney trip](https://www.cheapism.com/disney-on-a-budget-2017-15101/) . One of the best strategies: Bring food, drinks, and even Disney memorabilia bought somewhere besides the overpriced gift shops (tell the kids a favorite character stopped by the hotel to leave them a souvenir). Disney World now allows outside food, and Disney cruises permit up to two bottles of wine or six beers in a carry-on. ## Monitor Credit ![credit score](https://www.cheapism.com/wp-content/uploads/2025/07/iStock-1089339790.original.jpg) tolgart/istockphoto Detect fraud early by monitoring credit reports and [checking credit scores for free](https://www.cheapism.com/biggest-credit-score-mistakes/) using a site such as Credit Sesame or Bankrate. Some credit cards now come with a free credit score. ## Get Cash Back ![African American couple on laptop while sitting on couch](https://www.cheapism.com/wp-content/uploads/2025/07/111717_hawaii_budget_vacation_slide_19_fs_u8sGs.original.jpg) kupicoo/istockphoto Cash-back shopping sites such as Rakuten and Mr. Rebates let consumers earn a percentage of their money back when shopping online. Many rewards credit cards offer a similar perk for online and offline purchases. ## Maintain Low Credit Card Balances ![things to do today notepad with pay off credit card! written in black pen](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_31_fs.original.jpg) ChrisShirley/istockphoto For a high credit score, don’t spend a large part of each card’s available credit limit. The utilization rate — the percentage of a credit limit that’s being used — is an important credit-scoring factor, and lower is better in the eyes of credit scoring agencies. ## Don’t Let Credit Card Debt Linger ![Woman with credit card debt](https://www.cheapism.com/wp-content/uploads/2025/07/Credit_Card_Debt.original.png) valentinrussanov/istockphoto Consumers who have good credit scores but have trouble paying off credit card debt can move the debt to a card that charges zero interest on transferred balances during a promotional period. Some, but not all, such cards charge a one-time fee equal to a percentage of the amount transferred. Another option: Take out a personal loan with a lower interest rate than the credit cards and use it to pay down the debt. ## Find Promo Codes ![Woman shopping online at home](https://www.cheapism.com/wp-content/uploads/2025/07/11017_how_to_lower_monthly_bills_slide_9_fs.original.jpg) AndreyPopov/istockphoto Netting a discount can be as easy as typing the retailer’s name and “coupon codes” into a search engine. Consumers can also check sites such as RetailMeNot, DealNews, and Brad’s Deals for coupon codes before checking out online. ## Go Gift Card Shopping ![Target gift card](https://www.cheapism.com/wp-content/uploads/2025/07/Scope_Out_Free_Gift_Card_Deals_In_Store.original.jpg) Scope Out Free Gift Card Deals In Store by [Mike Mozart (](https://www.flickr.com/photos/jeepersmedia/)[(CC BY))](https://creativecommons.org/licenses/by/4.0/) [Gift Card Granny](https://www.giftcardgranny.com/) shows where to buy gift cards online for less than face value — and who says a gift card has to be a gift? Shop at a discount by paying with gift cards at big-name retailers. ## Track Price Drops ![hand on smartphone comparing prices](https://www.cheapism.com/wp-content/uploads/2025/07/909-20160429-044230-4015-121615_best_money_savi.original.jpg) Boriboon Chutikaseam/shutterstock Savings need not stop after clicking “buy.” Several price-tracking services alert shoppers to after-the-fact price drops so shoppers can ask for a refund of the difference — or get one automatically (minus a cut for the service). Paribus and Rakuten monitor select retailers, including Amazon, through users’ email accounts. Several credit card issuers offer a similar service for free. ## Invest in Energy-Efficient Upgrades ![man changing compact-fluorescent (CFL) bulbs with new LED light bulb](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_36_fs.original.jpg) Pornpak Khunatorn/istockphoto Upgrade a home and reduce utility costs with energy-efficient light bulbs and appliances. The initial investment will pay for itself over time and the planet will benefit. It’s one of many ways to [reduce utility costs](https://www.cheapism.com/how-to-reduce-heating-costs-3939/) during the winter. ## Steer Clear of Hotel Minibars ![hotel minibar](https://www.cheapism.com/wp-content/uploads/2025/07/513-20160429-044223-4015-121615_best_money_savi.original.jpg) Vereshchagin Dmitry/shutterstock It’s not as simple as refraining from eating or drinking anything. Some hotel minibars have a built-in sensor that may be triggered by merely moving items. Look over the bill before checking out to make sure there aren’t any accidental charges. ## Reject Unnecessary Purchases ![row of kitchen appliances on countertop](https://www.cheapism.com/wp-content/uploads/2025/07/771-20160429-044222-4015-121615_best_money_savi.original.jpg) kazoka/shutterstock Avoid buying things that probably will not be used more than once, such as formalwear (rent instead), specialty kitchen appliances (which lose their novelty quickly), and power tools (rent from home improvement stores or borrow from local sources). ## Put Credit Card Perks to Work ![credit card in charger machine](https://www.cheapism.com/wp-content/uploads/2025/07/592-20160429-044221-4015-121615_best_money_savi.original.jpg) alice-photo/shutterstock Many credit cards offer extended warranties, full refunds if items are damaged or stolen up to 90 days after purchase, zero liability for fraudulent charges, and [rewards programs that earn the cardholder money back](https://www.cheapism.com/credit-debit-card-perks-14670/) on every purchase. Look at what’s included before buying additional coverage. ## Be a Cheap Date ![couple volunteering](https://www.cheapism.com/wp-content/uploads/2025/07/598-20160429-044233-4015-121615_best_money_savi.original.jpg) wavebreakmedia/shutterstock Looking for [inexpensive date ideas](https://www.cheapism.com/cheap-summer-dates-16813/)? Instead of dinner and a movie, try wine tasting, volunteering, going to an arcade, or checking out a local tourist attraction that’s often overlooked by residents. ## Don’t Rent a Modem or Router ![router](https://www.cheapism.com/wp-content/uploads/2025/07/959-20160429-044221-4015-121615_best_money_savi.original.jpg) Kostsov/shutterstock Buy a wireless router or modem rather than renting one from an internet service provider. The purchase often pays for itself in less than a year. ## Escape Foreign Transaction Fees ![hand holding credit card in shop](https://www.cheapism.com/wp-content/uploads/2025/07/313-20160429-044225-4015-121615_best_money_savi.original.jpg) dean bertoncelj/shutterstock Get a credit card that does not charge extra for foreign transactions. This can [come in handy when international travel returns to normal](https://www.cheapism.com/budget-international-travel-tips-3528/) or when making purchases in a foreign currency while at home. ## Make Razors Last ![razor](https://www.cheapism.com/wp-content/uploads/2025/07/437-20160429-044235-4015-121615_best_money_savi.original.jpg) Asier Romero/shutterstock Save money on razors by drying the blades after each use and storing them in a dry space. This simple step can prolong the life of a razor blade by months. For more savings, consider switching to a service that delivers inexpensive blades. ## Buy in Bulk for School Lunches ![Costco](https://www.cheapism.com/wp-content/uploads/2025/07/806-20160429-044219-4015-121615_best_money_savi.original.jpg) mandritoiu/shutterstock Save on school lunches by buying ingredients in bulk and packing in reusable containers, instead of buying single-serving packages. Related: [Super Easy School Lunches](https://www.cheapism.com/easy-school-lunches-14435/) ## Enjoy Free Samples ![makeup samples](https://www.cheapism.com/wp-content/uploads/2025/07/532-20160429-044240-4015-121615_best_money_savi.original.jpg) Amazon Influenster and BzzAgent [send free samples](https://www.cheapism.com/test-products-get-free-stuff/), and sometimes free full-size products, to consumers who write short reviews or tell friends about the products. ## Adopt the Right Pet ![young and happy family adopting a dog in dog's shelter](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_47_fs.original.jpg) hedgehog94/istockphoto Considering a new pet? Experts say purebred cats and dogs are most prone to illness — and the accompanying vet bills. In general, the [least expensive animals](https://www.cheapism.com/6-cheap-pets-offer-protection/) to care for are small, female mixed breeds that have been spayed. Related: [Dogs That Don’t Shed](https://www.cheapism.com/dogs-that-dont-shed/) ## Clean With Microfiber Cloths ![hand cleaning desk with yellow cloth at home](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_48_fs.original.jpg) humonia/istockphoto Microfiber cleaning cloths generally cost more than standard cotton towels, but even the priciest options pay for themselves over time when factoring in durability and savings on cleaning products. ## Have a Taco (or Two) ![tacos being served at a taco truck](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_49_fs.original.jpg) Ben Wehrman/istockphoto No matter the day of the week, tacos are a delicious and inexpensive food. There are iconic taco shops (or trucks) across the country that are worth checking out. ## Save With Apps ![hand with mobile in grocery store](https://www.cheapism.com/wp-content/uploads/2025/07/820-20160429-044238-4015-121615_best_money_savi.original.jpg) LDprod/shutterstock Use mobile apps to help save money while shopping for groceries, clothing, and everything else. Try RetailMeNot, Ibotta, Checkout 51, Grocery Smarts, SmartSource, and the Coupons app. ## Make Clothes Last ![young woman doing her laundry at home](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_51_fs.original.jpg) PeopleImages/istockphoto To prolong the life of clothing, wash clothes in cold water, don’t use wire hangers, set the dryer on low, or hang dry washables. Related: [How to Go as Long as Possible Without Doing Laundry](https://www.cheapism.com/how-to-do-less-laundry/) ## DIY Yardwork ![rake with fall leaves](https://www.cheapism.com/wp-content/uploads/2025/07/101518_fitness_slide12.original.jpg) Elenathewise/istockphoto Instead of [farming out your yardwork](https://www.cheapism.com/cheap-gardening-ideas-16747/) to a lawn service, so to speak, dig in and take care of it yourself. Lawn services can charge \$35 or more for an average size yard. ## Plant a Garden ![male farmer working in a vegetable garden](https://www.cheapism.com/wp-content/uploads/2025/07/26911-11.original.jpg) shapecharge/istockphoto Take the DIY yardwork a step further by planting a garden that can provide cheap, homegrown fruits and vegetables. [Initial expenses are minimal,](https://www.cheapism.com/home-gardening-tips-17060/) and if you end up with more produce than you can use, you can [freeze it for later](https://www.cheapism.com/how-to-freeze-vegetables-3767/). ## Unplug ![electrical power cord on white background](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_53_fs.original.jpg) slobo/istockphoto Unplugging DVR cable boxes, computers, and other appliances when they’re not in use could knock \$200 a year off the electric bill, according to the National Renewable Energy Laboratory, but ending “vampire drain” is only one of many ways to save on energy costs. ## Keep the Wedding Simple ![flowers decoration in lanterns](https://www.cheapism.com/wp-content/uploads/2025/07/shutterstock_218297722.original.jpg) Andrii Oleksiienko/shutterstock Large floral centerpieces, paying for an open bar, and extravagant extras such as an ice sculpture can add up quickly. Consider a [simple wedding](https://www.cheapism.com/destination-wedding-alternatives/) and put the savings toward a goal such as buying a home or paying down debts. Related: Things You Won’t See at Weddings in the Coronavirus Era ## Book Travel Directly ![tourist woman in hotel room making credit card reservation for flight](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_55_fs.original.jpg) martin-dm/istockphoto Booking directly with travel providers can yield savings and extra perks, such as free Wi-Fi, fewer hidden fees, and more flexibility. ## Some Things Are Worth a Little More ![cooking in kitchen with flame](https://www.cheapism.com/wp-content/uploads/2025/07/230-20160429-044223-4015-121615_best_money_savi.original.jpg) Kzenon/shutterstock Don’t go rock-bottom-cheap on these household items: skillets, knives, storage containers, furniture, and vacuums. Stepping up a bit in price is worthwhile to net [goods that will last](https://www.cheapism.com/items-to-splurge-on-18061/) and save money in the long run. ## Take Volunteer Vacations ![woman volunteer cleaning on the beach](https://www.cheapism.com/wp-content/uploads/2025/07/346-20160429-044223-4015-121615_best_money_savi.original.jpg) wavebreakmedia/shutterstock Here’s another travel alternative to consider when pandemic restrictions ease. For a way to see the world and also give back, consider a [volunteer vacation](https://www.cheapism.com/ecotourism-vacations/). The experience can be personally rewarding and much less expensive than a resort. ## Shop At Stores With Generous Return Policies ![Nordstrom store](https://www.cheapism.com/wp-content/uploads/2025/07/102816_retail_holiday_hiring_2015_vs_2016_slide.original_OvDzSqx.jpg) Michael Gordon/shutterstock Take the stress out of shopping and guarantee a purchase will be appreciated by going to stores with good, [consumer-friendly return policies](https://www.cheapism.com/store-return-policies/). Nordstrom is a longtime favorite, and there are several other stores with similar approaches, [including Costco](https://www.cheapism.com/costco-return-policy/). ## Take Alternative Transportation ![business man walking down steps while carrying his bicycle](https://www.cheapism.com/wp-content/uploads/2025/07/121316_new_year_resolutions_that_save_money_sli.original_rnCsQRG.jpg) Lucky Business/shutterstock Electric bikes and scooters offer inexpensive and relatively sweat-free alternatives to a car for consumers eager to cut transportation costs. Related: [Best Cities for Living Without a Car](https://www.cheapism.com/cities-to-live-without-a-car-4078/) ## Send Inexpensive Flowers ![pink carnations](https://www.cheapism.com/wp-content/uploads/2025/07/578-20160429-044234-4015-121615_best_money_savi.original.jpg) Hong Vo/shutterstock Chrysanthemums, carnations, and alstroemerias (Peruvian lilies) cost less than roses and last longer. No matter the type of flowers, call a local florist near the recipient instead of ordering online. The florist may offer savings or prepare a better bouquet for the same price. ## Reject Weight-Loss Gimmicks ![overweight woman taking pills for weight loss](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_61_fs.original.jpg) Vadym Petrochenko/istockphoto Some weight-loss methods are too good to be true. Avoid paying for creams, seven-minute workouts, shakes, pills, and fad diets that do not address the needs of the body as a whole. Choose a plan that emphasizes healthy eating and exercise over a quick fix. The instilled habits are more valuable in the long run. ## Try Name-Your-Price Shopping ![African American woman photographing her food on a cafe counter](https://www.cheapism.com/wp-content/uploads/2025/07/022118_ways_to_make_extra_money_slide_30_fs.original.jpg) UberImages/istockphoto Priceline, Hotwire, and other travel sites aren’t the only ones that let consumers name the price they want to pay. Greentoe has a similar setup for photography equipment, home theater items, appliances, and more. ## Buy Secondhand ![thrift shop](https://www.cheapism.com/wp-content/uploads/2025/07/538-20160429-050534-3474-032715_used_goods_slid.original.jpg) Matej Kastelic/shutterstock Garage sales, thrift stores, and [flea markets](https://www.cheapism.com/50-flea-markets-across-america-bargain-hunters-wont-want-miss-4248/) are brimming with gently used items that may be your next big treasure. [Books, sporting goods, and kids’ clothes](https://www.cheapism.com/buying-used-stuff-17327/) can be had at rock-bottom prices. ## Refinance Private Student Loans ![students writing tasks on whiteboard in class, laughing with classmates](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_64_fs.original.jpg) Prostock-Studio/istockphoto Borrowers whose financial situation has improved since graduation may want to look into refinancing their private student loans to potentially lower interest rates. Lenders look beyond credit scores to the borrower’s income, job, education level, degree, and other financial obligations. ## Reevaluate Federal Student Loans ![student loan form with dollars and books](https://www.cheapism.com/wp-content/uploads/2025/07/442-20160429-044229-4015-121615_best_money_savi.original.jpg) designer491/shutterstock Refinancing federal student loans can lead to lower interest rates, which can save borrowers money. Be aware, though: After refinancing with a private lender, borrowers are not eligible for federal payment plans based on income or forgiveness programs. ## Lower Auto Insurance Costs ![Istock 639263298](https://www.cheapism.com/wp-content/uploads/2025/07/iStock-639263298.original.jpg) zimmytws/istockphoto There are many ways to get discounts on auto insurance policies: Take a defensive driving class, install an anti-theft device, or use the same company for several types of insurance, for instance. ## Get Teen Discounts on Auto Insurance ![young woman showing the car keys through the car window](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_67_fs.original.jpg) MarioGuti/istockphoto Young drivers often must [pay more for auto insurance](https://www.cheapism.com/how-to-buy-a-car-for-a-teen/), but some providers offer discounts to teens who maintain good grades or take driving courses or online classes. ## Buy Renters Insurance ![note on desk keyboard to call about renters insurance](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_68_fs.original.jpg) Milaspage/istockphoto Renters may benefit from an insurance policy even if they don’t have many possessions. Renters insurance could cover theft of personal property even if it occurs outside the home, and liability protection in the event someone is injured and sues. Buying a fire extinguisher or paying premiums for a full year all at once usually generates a discount. ## Ask About Student Discounts ![college girls shopping in store](https://www.cheapism.com/wp-content/uploads/2025/07/463-20160429-044234-4015-121615_best_money_savi.original.jpg) auremar/shutterstock Students are often on a shoestring budget, but there are plenty of savings opportunities. Some clothing stores, including Madewell, ASOS, and Topshop, offer a 10% to 15% student discount. Restaurants, grocery stores, movie theaters, gyms, and technology companies also offer discounts for students. ## Pay Higher Deductibles ![close up shot of an insurance policy](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_71_fs.original.jpg) Kameleon007/istockphoto To decrease premiums on your insurance, raise the deductible (the amount the policyholder must pay before the insurance company starts to cover costs). ## Think Twice Before Filing Insurance Claims ![car with wrecked bumper](https://www.cheapism.com/wp-content/uploads/2025/07/550-20160429-044219-4015-121615_best_money_savi.original.jpg) Tidarat Tiemjai/shutterstock When the cost to replace possessions or fix a vehicle is less than an insurance deductible, it may make sense not to make a claim. The policyholder has to pay for the damages out-of-pocket either way, and reporting the incident may result in higher premiums. ## Take Care With a Car ![man cleaning his car](https://www.cheapism.com/wp-content/uploads/2025/07/764-20160429-044226-4015-121615_best_money_savi.original.jpg) Photographee.eu/shutterstock Most people know a new car’s value drops as soon as it’s driven off the lot. Help maintain the value by taking the car in for regular checkups, waxing the exterior, and avoiding eating or drinking inside. ## Use a Standing Desk for Less ![standing desk](https://www.cheapism.com/wp-content/uploads/2025/07/373-20160429-044220-4015-121615_best_money_savi.original.jpg) Amazon Standing desks can encourage workers to be less sedentary and offer a nice change from sitting in front of a computer all day. Retail prices can reach into the thousands, but there are cheaper alternatives, including a wall-mounted shelf or stacking books or boxes to raise the height of a laptop or monitor. Keep feet relaxed by standing on a folded yoga mat or anti-fatigue mat. ## Adapt to Age Well ![Seniors exercising outside](https://www.cheapism.com/wp-content/uploads/2025/07/043018_finding_a_senior_living_community_slide_.original_Z5PNHYQ.png) Rawpixel/istockphoto Some basic lifestyle changes can help maintain or improve health as you age. Work in 30 minutes of physical activity a day, get plenty of sleep, and try to minimize sugar intake. ## Consider Refinancing Your Mortgage ![refinanced mortgage approved](https://www.cheapism.com/wp-content/uploads/2025/07/286-20160429-044223-4015-121615_best_money_savi.original.jpg) alexskopje/shutterstock Refinancing a mortgage could lead to significant savings. Shop around to [get quotes from different lenders](https://www.cheapism.com/mortgage-shopping/) and consider different loan terms. ## Get Last-Minute Tax Savings ![1040 tax forms](https://www.cheapism.com/wp-content/uploads/2025/07/441-20160429-044220-4015-121615_best_money_savi.original.jpg) Sakarin Sawasdinaka/shutterstock Get a [tax deduction for the current year](https://www.cheapism.com/tax-credits-deductions-write-offs) by contributing to an Individual Retirement Arrangement right up to the tax-filing deadline in the coming year. The IRA contribution limit for 2020 and 2021 is \$6,000 (\$7,000 for taxpayers 50 and older). ## Price Match ![hand with mobile on Amazon](https://www.cheapism.com/wp-content/uploads/2025/07/312-20160429-044219-4015-121615_best_money_savi.original.jpg) Twin Design/shutterstock Some major retailers, including Walmart, Target, Staples, and Best Buy price match Amazon. There are many exclusions to watch out for, but checking prices with a smartphone before making an in-store impulse buy can yield savings. ## Touch Up a Bathroom Instead of Tearing It Out ![man fixing up bathroom](https://www.cheapism.com/wp-content/uploads/2025/07/789-20160429-044225-4015-121615_best_money_savi.original.jpg) forestpath/shutterstock Save on a DIY bathroom remodel by keeping the basic layout the same and making other improvements: installing a new vanity countertop, painting the walls, putting up a new mirror, and regrouting the floor and other tile. ## Deduct Mileage ![woman in car with clipboard](https://www.cheapism.com/wp-content/uploads/2025/07/418-20160429-044219-4015-121615_best_money_savi.original.jpg) Kekyalyaynen/shutterstock The IRS has yet to announce the rate for 2022, but small-business owners who record the miles they drive for work could take a deduction of 56 cents a mile in 2021 — a decrease of 1.5 cents from the year before. The rate stayed the same for taxpayers who don’t own a business but drove for charitable purposes, or to and from a volunteer event: 14 cents a mile. For moving or medical purposes, the rate is 16 cents per mile in 2021, down a penny from a year earlier. ## Track Prices ![woman wearing blue jeans shirt and sunglasses using mobile phone to compare price and holding orange shopping basket in mini mart background](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_80_fs.original.jpg) Techa Tungateja/istockphoto Sites such as CamelCamelCamel and PriceSpider monitor the price of goods at stores such as Amazon, Best Buy, and Newegg so shoppers can pounce when the price drops. ## Be Careful Hiring a Contractor ![team of happy manual workers welcoming a couple to their apartment](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_81_fs.original.jpg) skynesher/istockphoto Before hiring a contractor, figure out if someone with specialized training is needed and get recommendations from friends and family. Set a budget and ask contractors for an itemized task and quote list. To be safe, budget for cost overruns up to 20% of the initial quote. ## Improve Curb Appeal for Less ![planting flowers in a garden](https://www.cheapism.com/wp-content/uploads/2025/07/051618_homeowners_associations_slide_18_fs.original.jpg) ljubaphoto/istockphoto Preparing a home for [potential buyers](https://www.cheapism.com/selling-your-home/) or visiting relatives doesn’t have to involve expensive improvements: Clearing the driveway and walkways, cleaning the windows to let in natural light, and decorating the front with all-season plants may be the most important steps. ## Compare Moving Expenses ![close-up of two delivery men carrying cardboard box](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_83_fs.original.jpg) AndreyPopov/istockphoto The cost of shipping may be less than renting a truck for a long-haul move for people without large furniture. [Before packing up and moving](https://www.cheapism.com/easy-move-17282/), compare quotes from local moving companies against shipping costs. ## Practice Preventive Care ![female doctor and female patient discussing](https://www.cheapism.com/wp-content/uploads/2025/07/030117_free_obamacare_services_slide_16_fs.original.jpg) Branislav Nenin/shutterstock Emergency room visits can cost thousands — or tens of thousands of dollars. Taking [preventive health measures](https://www.cheapism.com/preventive-care-to-avoid-financial-catastrophe-14710/) such as getting regular checkups or screenings, and practicing safe sex could reduce the chances of running into health problems. ## Ignore Pricey Workout Clothes ![beautiful young black woman shopping for clothes with her caucasian boyfriend](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_85_fs.original.jpg) Juanmonino/istockphoto Lululemon and Athleta may be in vogue, but frugal fitness buffs can turn to plenty of places for deals on workout clothes. Check out websites such as The Clymb, ClothingUnder10, and Steep & Cheap, or inexpensive retailers such as Old Navy. ## Try Some Simple Kitchen Hacks ![banana stems](https://www.cheapism.com/wp-content/uploads/2025/07/408-20160429-044220-4015-121615_best_money_savi.original.jpg) Helen’s Photos/shutterstock A few simple kitchen hackscan save money and time. To cite just a couple: Wrap banana stems in plastic to keep them fresh longer (keeping the plastic wrap chilled to make it easier to separate and tear) and put marshmallows in brown sugar to keep it soft. ## Peruse Blemished Produce ![shopping for the freshest produce at the best price](https://www.cheapism.com/wp-content/uploads/2025/07/030719_grocery_saving_tips_slide_25_fs.original.jpg) Tassii/istockphoto Grocery stores often have a section where bruised and overripe produce is [sold at clearance prices](https://www.cheapism.com/grocery-stores-food-waste/). These fruits and vegetables work just fine in sauces, pie fillings, stews, and smoothies. Consider signing up for an “ugly produce” delivery service such as [Imperfect Foods](https://www.imperfectfoods.com/) or [Misfits Market](https://www.misfitsmarket.com/) if it’s cost effective and delivers in your area. ## Be a Smart Souvenir Shopper ![salt water taffy](https://www.cheapism.com/wp-content/uploads/2025/07/223-20160429-044241-4015-121615_best_money_savi.original.jpg) Brent Hofacker/shutterstock When taking a trip or traveling to a new state, look for representative souvenirs that are small, lightweight, and inexpensive. Macadamia nuts or Kona coffee from Hawaii, saltwater taffy from the New Jersey shore, or an album from one of Nashville’s well-known record shops are examples. ## Get Hotel Rewards ![senior couple at hotel counter](https://www.cheapism.com/wp-content/uploads/2025/07/745-20160429-044237-4015-121615_best_money_savi.original.jpg) Kzenon/shutterstock Even infrequent travelers can save money by enrolling in hotel loyalty programs. Basic membership comes with late checkout and complimentary newspapers at some chains. ## Consider a Credit Union ![African American woman shaking hands with bank worker](https://www.cheapism.com/wp-content/uploads/2025/07/011718_credit_union_slide_0_fs.original.jpg) simonkr/istockphoto [Credit unions](https://www.cheapism.com/credit-union-18566/) are nonprofits owned cooperatively by members (people with an account at the credit union). They offer many of the same services as banks but give more savings and profits to members. Fees and interest rates may be lower on credit cards and loans, and checking and savings accounts may pay higher interest compared with other financial services firms. ## Share and Save ![man starting up lawn mower](https://www.cheapism.com/wp-content/uploads/2025/07/072516_what_to_buy_in_august_2016_slide_7_fs.original.jpg) Photographee.eu/shutterstock Families, friends, and neighbors can share all sorts of things to save money. Power tools, lawn mowers, and luggage are just the start. Look for ongoing savings by sharing phone plans or streaming video subscriptions, too. ## Don’t Fall Victim to Nuisance Debt ![person holding past due notices](https://www.cheapism.com/wp-content/uploads/2025/07/815-20160429-044227-4015-121615_best_money_savi.original.jpg) Andrey\_Popov/shutterstock Small debts can have a large effect on a credit score if they go unpaid and get passed on to a collections agency. Newer credit scoring models ignore debts of less than \$100, but not all lenders use the latest models. ## Leave the Kids Home When You Shop ![woman in a supermarket with list](https://www.cheapism.com/wp-content/uploads/2025/07/120817_christmas_outsourcing_help_slide_10_fs.original.jpg) gilaxia/istockphoto Children are fountains of endless desires, and stores understand this, often positioning kid-targeted merchandise right where youngsters will see it. So outsmart the masters of marketing and keep the kids out of the equation. Maybe even offer to trade babysitting time with other parents to do so. ## Do Your Own Car Maintenance ![brake disc system without wheel in the vehicle for repair](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_93_fs.original.jpg) Waranya Sawasdee/istockphoto Some car repairs, such as an oil change or brake pad replacement, are relatively easy DIY chores. Other fixes generally require a trained mechanic and could be costly. If a problem arises after the warranty has expired, it may be possible to save money by contacting the manufacturer for “goodwill assistance.” ## Fight the Temptation to Eat Out ![slow cooker on kitchen countertop](https://www.cheapism.com/wp-content/uploads/2025/07/iStock-93529521.original.jpg) matt6t6/istockphoto Keep food costs down by buying in bulk, using a slow cooker, [eating at home](https://www.cheapism.com/homemade-takeout-meals-4321/), and saving leftovers for another meal. Keep small snacks in the car or at work to avoid the urge to go to restaurants. ## Keep the Grocery Budget Low ![woman writing list in grocery store](https://www.cheapism.com/wp-content/uploads/2025/07/357-20160429-044217-4015-121615_best_money_savi.original.jpg) wavebreakmedia/shutterstock To [keep from overspending at the grocery store](https://www.cheapism.com/grocery-saving-tips-14650/), eat before going shopping, make a list, and use only a set amount of cash to buy food. (Splurge once in a while to keep things interesting.) ## Buy a Mattress Online ![playful woman with her partner while he is moving in a matress into their new place](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_96_fs.original.jpg) Hispanolistic/istockphoto Many sound sleepers advocate [buying a mattress online](https://www.cheapism.com/cheap-mattresses/). Shops such as Casper, Leesa, and Tuft & Needle sell high-quality foam mattresses starting around \$500. Search for discounts and coupon codes for further savings. There are also inexpensive options on Amazon, but they don’t offer the same warranties or trial period. ## Improve Gas Mileage ![close up of man crouching on the gas station and inflating tire](https://www.cheapism.com/wp-content/uploads/2025/07/121019_best_money_saving_slide_97_fs.original.jpg) dusanpetkovic/istockphoto Start tracking your vehicle’s gas mileage, and focus on ways to improve it. Some simple tips include maintaining proper tire pressure, checking the tire alignment, and accelerating slowly. ## Shop Costco Without a Membership ![Costco cart](https://www.cheapism.com/wp-content/uploads/2025/07/493-20160429-044218-4015-121615_best_money_savi.original.jpg) a katz/shutterstock Costco doesn’t require a membership for every purchase. Anyone can eat at the food court or get a flu shot. In some states, nonmembers can buy alcohol, as well. ## Keep Vet Bills Low ![vet smiling and hugging dog](https://www.cheapism.com/wp-content/uploads/2025/07/511-20160429-044218-4015-121615_best_money_savi.original.jpg) VGstockstudio/shutterstock To save money on pet care, shop around before choosing a vet. Look for discount packages and focus on preventive care. Regular exercise and a proper diet of high-quality food are keys to keeping pets healthy. ## Get a Side Gig ![tutor teaching teen](https://www.cheapism.com/wp-content/uploads/2025/07/719-20160429-044227-4015-121615_best_money_savi.original.jpg) comodigit/shutterstock Cutting back can help only so much, and there are lots of ways [to make money on the side](https://www.cheapism.com/best-part-time-gigs/). Become a mystery shopper, tutor, organize or clean homes, babysit, or drive people using a ride-share app.
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