🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 12 (from laksa104)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa012.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.checkcity.com/personal-finance/how-to-save-money\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.checkcity.com/personal-finance/how-to-save-money\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.checkcity.com\/personal-finance\/how-to-save-money","crawl_time":1774816348,"first_indexed_time":1624696238,"http_code":200,"src_unparsed":"com,checkcity!www,\/personal-finance\/how-to-save-money s443","src_root_hash":"3257648445148922812","history_drop_reason":null,"meta_title":"20 Tips for How to Save Money the Easy Way","meta_descriptions":["Learn how to save money with Check City’s money-saving tips. You will find the best ways to save money are sometimes the simplest."],"attrs_boilerpipe_text":"Everyone wants to learn how to save money, but it's not always easy to do. Learn some of the best ways to save money with these easy tips.\nGenerally, when we think about how to save money, we think about all the sacrifices we need to make, like no more morning coffee, no more eating out, or biking to work in the rain to save on gas money.\nBut learning how to save money is more dynamic than the typical financial sacrifices we think about.\nThere is so much more you can do when learning how to save money than simply depriving yourself of a simple item like morning coffee. \nThe 3 Best Ways to Save Money\nTo learn how to save money, you need to know the 3 best ways to save money:\nMake more money\nSpend less money\nMake a solid savings plan\nUse the personal money savings plan worksheet below to help you make personal money savings plans and savings goals.\nSavings goals can include anything like, saving for retirement, saving up for a new car, or saving up an\nemergency fund\n. It’s up to you! \nFill out the worksheet after reading over our tips to save and start saving money today! \nDownload a Savings Plan Worksheet\n.\nSave Money by Making More Money: 5 Money Savings Tips\nWhen you make more money, you can save money more! \nBy increasing your income you'll be adding to the amount of money you have available each month.\nTip 1: Ask for a Raise \nSave money by asking for a raise and making more money.\nAsking for a raise can be intimidating.\nTry setting up a meeting with your boss to discuss the raise. Then practice your talking points beforehand with a friend or in front of a mirror.\nTip 2: Find a Better-Paying Job \nSave money by making more money at a better-paying job. \nIf you can't get a raise at your current job, it might be worth it to find a better-paying job. Changing jobs can be hectic, but well worth it if the better pay helps you make and save money.\nTip 3: Sell Your Stuff \nIf you have things in your house you want to get rid of, make good use of them by selling them. You could have a\nyard sale\nor use an online service like the Facebook marketplace. You could also\nsell any gold\nor jewelry that you no loner have use for.\nTip 4: Set Up Passive Income \nPassive income is the type of earnings people get from things like owning rental properties or shares in a company or business partnership. You could invest in rental property, invest in a business, or become a partner in a business venture to start earning passive income.\nTip 5: Grow a Garden and Sell the Produce \nBy growing your own produce garden, you can both make and save money. Depending on how big your garden is, you can sell your garden produce to friends and neighbors. \nSave Money by Spending Less: 15 Money Savings Tips\nSave money when you spend less money. By decreasing your spending you'll also increase your monthly income.\nThen, you'll have more money to put toward\ngetting rid of debts\nlike loans and credit card debts, and building your savings and emergency funds. \nTip 6: Cancel Subscriptions \nSave money by canceling subscriptions you don't really need or use.\nSubscriptions can add up to a lot if you aren't careful. End as many subscriptions as you can to save that monthly fee for yourself.\nTip 7: Join Family or Group Subscription Plans \nDon't want to say goodbye to that subscription? That's ok!\nAnother thing you can try is starting a family plan with friends and family to split the cost of the subscription. \nTip 8: Cancel Memberships\nSome memberships can be really useful, like a membership to Costco where you can buy in bulk and save more in the long term, or a membership to a gym where you can work out and stay healthy. \nBut if you can, cancel your memberships and find free or cheaper alternatives, like a cheaper gym or running in your neighborhood instead.\nTip 9: Switch to a Cheaper Phone Plan \nPhone bills can get really expensive, especially when they include paying off expensive new phones.\nWhile it's really nice to have a great phone and a great phone plan, there might be cheaper options out there for you to take advantage of.\nTip 10: Eat at Home \nEating out is usually more expensive than eating at home.\nBy baking and cooking at home you can save more money and potentially eat healthier and more wholesome meals. \nTip 11: Meal and Grocery Plan\nPrepare for grocery shopping before you go to the store and prepare for making meals this week before the week starts.\nThis will help you eat at home on a regular basis and keep you from overspending while out at the store. \nTip 12: Pack a Lunch for Work or School \nWe all need to eat during the school or workday.\nSave money while taking better care of yourself by packing healthy meals instead of eating out during your lunch break. \nTip 13: Switch to Cheaper Generic Brands\nBrands tend to come with a price tag of their own.\nChoose wisely and avoid paying extra simply for a name brand. \nTip 14: Plan Free Activities \nWhen it's time to have fun choose activities that don't involve your wallet.\nPlan a staycation, go hiking, plan a camping trip, play games, or watch the movies you already have at home. \nTip 15: Save on Transportation \nSave your wallet while helping save the planet!\nUse public transportation, walk, ride your bike, or carpool to save on gas costs. \nTip 16: Reduce Utility Bills \nSpend less on your utility bill and electric bill by using less power each day.\nRun less water, keep the AC off on nice days, and turn lights off when not in the room.\nAnother way to save on utility bills is to avoid late fees by automatically transferring bill payments each month. \nTip 17: Invest in Reusable Products \nReusable products can save you lots of money in the long term.\nFor example, buy cloth towels instead of rebuying paper towels or get reusable tupperware and ziplock bags instead of rebuying plastic wrap and plastic ziplock bags. \nTip 18: Build an Emergency Fund\nAn emergency fund will save you money in the future when a financial emergency arises, and you are already prepared with the family savings you've set aside just for emergencies. \nTip 19: Create a Better Budget \nIf the budget you have now isn't working then it might be time to throw that budget away and try something new.\nOne thing you might try is the\ncash envelope system\n, or a simple budgeting app to help manage and track how you spend money. Participating in a\nsavings challenge\nis a way to save money and have fun while doing it.\nTip 20: Use Prepaid Cards \nDo you want to know how to save money fast?\nSet hard limits on spending by getting a\nreloadable prepaid card\n.\nThese cards are easy to use and they won't let you overdraft or spend more than what you've put on the card to be spent. \nSave Money with a Savings Plan\nAn efficient savings plan is all about learning how to spend less and figuring out ways to earn more.\nWith these how-to-save-money tips, you'll end up with more money on your side each month and more\nfinancial freedom\nbecause of it.\nIf you use online banking with a bank account, make sure you have a savings account so you can start to save each month and reach your savings goals.\nThis content is for informational purposes only and does not constitute financial or legal advice. Loan products, terms, amounts, rates, fees, and funding times may vary by state and applicant qualifications. All loans are subject to approval and verification under applicable law. Check City is a licensed lender in each state where it operates. Loans are intended for short-term financial needs only. Please borrow responsibly.","attrs_markdown":"[![Check City Logo](https:\/\/cdn.prod.website-files.com\/6000891868c08ec6ed8651e4\/601da04932ae6cb303ffd1cb_Logo%20H.svg)](https:\/\/www.checkcity.com\/)\n\nGET CASH\n\nLoans\n\n[Payday loans](https:\/\/www.checkcity.com\/payday-loans)\n\n[installment loans](https:\/\/www.checkcity.com\/installment-loans)\n\n[personal loans](https:\/\/www.checkcity.com\/personal-loans)\n\n[title loans](https:\/\/www.checkcity.com\/title-loans)\n\nServices\n\n[check cashing](https:\/\/www.checkcity.com\/check-cashing)\n\n[netspend cards](https:\/\/www.checkcity.com\/netspend-cards)\n\n[tax services](https:\/\/www.checkcity.com\/tax-services)\n\n[Money transfers](https:\/\/www.checkcity.com\/money-transfer)\n\n[additional Services](https:\/\/www.checkcity.com\/additional-services)\n\nCash Academy\n\nBlogs\n\n[Cash academy blog](https:\/\/www.checkcity.com\/blog)\n\n[loans 101](https:\/\/www.checkcity.com\/loans-101)\n\n[personal finance](https:\/\/www.checkcity.com\/personal-finance)\n\n[taxes 101](https:\/\/www.checkcity.com\/taxes-101)\n\n[get involved](https:\/\/www.checkcity.com\/get-involved)\n\nFeatured Articles\n\n[what is a tax refund advance?](https:\/\/www.checkcity.com\/tax-services\/tax-refund-advance)\n\n[what is a payday loan?](https:\/\/www.checkcity.com\/loans-101\/what-is-a-payday-loan)\n\n[what is an installment loan?](https:\/\/www.checkcity.com\/loans-101\/what-is-an-installment-loan)\n\n[what is a personal loan?](https:\/\/www.checkcity.com\/loans-101\/what-is-a-personal-loan)\n\n[what is a title loan?](https:\/\/www.checkcity.com\/loans-101\/what-is-a-title-loan)\n\n[beginner's guide to filing taxes](https:\/\/www.checkcity.com\/taxes-101\/beginners-guide-to-filing-taxes)\n\nStates\n\nStore Locations\n\n[utah](https:\/\/www.checkcity.com\/states\/utah)\n\n[Nevada](https:\/\/www.checkcity.com\/states\/nevada)\n\nOnline States\n\n[Alabama](https:\/\/www.checkcity.com\/states\/alabama)\n\n[Alaska](https:\/\/www.checkcity.com\/states\/alaska)\n\n[California](https:\/\/www.checkcity.com\/payday-loans\/california)\n\n[Idaho](https:\/\/www.checkcity.com\/states\/idaho)\n\n[Kansas](https:\/\/www.checkcity.com\/states\/kansas)\n\n[Louisiana](https:\/\/www.checkcity.com\/states\/louisiana)\n\n[mississippi](https:\/\/www.checkcity.com\/states\/mississippi)\n\n[Missouri](https:\/\/www.checkcity.com\/installment-loans\/missouri)\n\n[Nevada](https:\/\/www.checkcity.com\/states\/nevada)\n\n[Ohio](https:\/\/www.checkcity.com\/states\/ohio)\n\n[Oklahoma](https:\/\/www.checkcity.com\/states\/oklahoma)\n\n[Texas](https:\/\/www.checkcity.com\/states\/texas)\n\n[utah](https:\/\/www.checkcity.com\/states\/utah)\n\n[Wisconsin](https:\/\/www.checkcity.com\/states\/wisconsin)\n\n[Wyoming](https:\/\/www.checkcity.com\/states\/wyoming)\n\n[All States](https:\/\/www.checkcity.com\/states)\n\nWhy check city?\n\nAbout\n\n[about check city](https:\/\/www.checkcity.com\/company\/about)\n\n[Contact Us](https:\/\/www.checkcity.com\/contact)\n\n[reviews](https:\/\/www.checkcity.com\/company\/check-city-reviews)\n\n[careers](https:\/\/www.checkcity.com\/careers)\n\n[Members faq](https:\/\/www.checkcity.com\/company\/members-faq)\n\nCommunity\n\n[community outreach](https:\/\/www.checkcity.com\/community-outreach)\n\n[Check City scholarship](https:\/\/www.checkcity.com\/community-outreach\/scholarship)\n\n[Warm Hearts Coat Drive](https:\/\/www.checkcity.com\/community-outreach\/warm-hearts-coat-drive)\n\n[Three Square Food Drive](https:\/\/www.checkcity.com\/community-outreach\/three-square-food-drive)\n\n[Souper Bowl of Caring](https:\/\/www.checkcity.com\/community-outreach\/souper-bowl-of-caring)\n\n[Shade Tree fundraiser](https:\/\/www.checkcity.com\/community-outreach\/shade-tree-fundraiser)\n\n[Login](https:\/\/members.checkcity.com\/MemberLogin.aspx)\n\n[Apply now](https:\/\/members.checkcity.com\/apply.aspx)\n\nGet cash\n\nLoans\n\n[Payday loans](https:\/\/www.checkcity.com\/payday-loans)\n\n[installment loans](https:\/\/www.checkcity.com\/installment-loans)\n\n[personal loans](https:\/\/www.checkcity.com\/personal-loans)\n\n[title loans](https:\/\/www.checkcity.com\/title-loans)\n\nServices\n\n[check cashing](https:\/\/www.checkcity.com\/check-cashing)\n\n[netspend cards](https:\/\/www.checkcity.com\/netspend-cards)\n\n[tax services](https:\/\/www.checkcity.com\/tax-services)\n\n[Money Transfers](https:\/\/www.checkcity.com\/money-transfer)\n\n[additional services](https:\/\/www.checkcity.com\/additional-services)\n\nCash Academy\n\nBlogs\n\n[cash academy blog](https:\/\/www.checkcity.com\/blog)\n\n[loans 101](https:\/\/www.checkcity.com\/loans-101)\n\n[personal finance](https:\/\/www.checkcity.com\/personal-finance)\n\n[taxes 101](https:\/\/www.checkcity.com\/taxes-101)\n\n[get involved](https:\/\/www.checkcity.com\/get-involved)\n\nFeatured Articles\n\n[what is a payday loan?](https:\/\/www.checkcity.com\/loans-101\/what-is-a-payday-loan)\n\n[What is an installment loan?](https:\/\/www.checkcity.com\/loans-101\/what-is-an-installment-loan)\n\n[What is a personal loan?](https:\/\/www.checkcity.com\/loans-101\/what-is-a-personal-loan)\n\n[what is a title loan?](https:\/\/www.checkcity.com\/loans-101\/what-is-a-title-loan)\n\n[beginner's guide to filing taxes](https:\/\/www.checkcity.com\/taxes-101\/beginners-guide-to-filing-taxes)\n\n[what is a tax refund advance?](https:\/\/www.checkcity.com\/tax-services\/tax-refund-advance)\n\nStates\n\n[All States](https:\/\/www.checkcity.com\/locations)\n\nStore Locations\n\n[Utah](https:\/\/www.checkcity.com\/states\/utah)\n\n[Nevada](https:\/\/www.checkcity.com\/states\/nevada)\n\nOnline States\n\n[Alabama](https:\/\/www.checkcity.com\/states\/alabama)\n\n[Alaska](https:\/\/www.checkcity.com\/states\/alaska)\n\n[California](https:\/\/www.checkcity.com\/payday-loans\/california)\n\n[Idaho](https:\/\/www.checkcity.com\/states\/idaho)\n\n[Kansas](https:\/\/www.checkcity.com\/states\/kansas)\n\n[Louisiana](https:\/\/www.checkcity.com\/states\/louisiana)\n\n[Mississippi](https:\/\/www.checkcity.com\/states\/mississippi)\n\n[Missouri](https:\/\/www.checkcity.com\/installment-loans\/missouri)\n\n[Nevada](https:\/\/www.checkcity.com\/states\/nevada)\n\n[Ohio](https:\/\/www.checkcity.com\/states\/ohio)\n\n[Oklahoma](https:\/\/www.checkcity.com\/states\/oklahoma)\n\n[Texas](https:\/\/www.checkcity.com\/states\/texas)\n\n[Utah](https:\/\/www.checkcity.com\/states\/utah)\n\n[Wisconsin](https:\/\/www.checkcity.com\/states\/wisconsin)\n\n[Wyoming](https:\/\/www.checkcity.com\/states\/wyoming)\n\nwhy check city?\n\nAbout\n\n[About Check City](https:\/\/www.checkcity.com\/company\/about)\n\n[Contact Us](https:\/\/www.checkcity.com\/contact)\n\n[Reviews](https:\/\/www.checkcity.com\/company\/check-city-reviews)\n\n[careers](https:\/\/www.checkcity.com\/careers)\n\n[members faq](https:\/\/www.checkcity.com\/company\/members-faq)\n\nCommunity\n\n[Community Outreach](https:\/\/www.checkcity.com\/community-outreach)\n\n[Check City Scholarship](https:\/\/www.checkcity.com\/community-outreach\/scholarship)\n\n[Warm Hearts coat Drive](https:\/\/www.checkcity.com\/community-outreach\/warm-hearts-coat-drive)\n\n[Shade Tree Fundraiser](https:\/\/www.checkcity.com\/community-outreach\/shade-tree-fundraiser)\n\n[Apply now](https:\/\/members.checkcity.com\/apply.aspx)\n\n[Login](https:\/\/members.checkcity.com\/memberlogin.aspx)\n\n![family in front of a piggybank](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/60e8bd223290094dc108b070_HERO_How-to-Save-Money.png)\n\n[Cash Academy](https:\/\/www.checkcity.com\/blog)![](https:\/\/cdn.prod.website-files.com\/6000891868c08ec6ed8651e4\/60a5499ee259e836fa1eac82_Right%20Arrow.svg)[Personal Finance](https:\/\/www.checkcity.com\/personal-finance)![](https:\/\/cdn.prod.website-files.com\/6000891868c08ec6ed8651e4\/60a5499ee259e836fa1eac82_Right%20Arrow.svg)\n\n# 20 Tips for How to Save Money\nwritten By\n\n[Kimber Severance](https:\/\/www.checkcity.com\/company\/kimber-severance)\n\nReviewed by\n\n[Todd Rawle](https:\/\/www.checkcity.com\/company\/todd-rawle)\n\nMarch 24, 2026\n\n[Prepaid Cards](https:\/\/www.checkcity.com\/prepaid-cards)\n\nEveryone wants to learn how to save money, but it's not always easy to do. Learn some of the best ways to save money with these easy tips.\n\nGenerally, when we think about how to save money, we think about all the sacrifices we need to make, like no more morning coffee, no more eating out, or biking to work in the rain to save on gas money.\n\nBut learning how to save money is more dynamic than the typical financial sacrifices we think about.\n\nThere is so much more you can do when learning how to save money than simply depriving yourself of a simple item like morning coffee.\n\n## The 3 Best Ways to Save Money\nTo learn how to save money, you need to know the 3 best ways to save money:\n\n1. Make more money\n2. Spend less money\n3. Make a solid savings plan\n\nUse the personal money savings plan worksheet below to help you make personal money savings plans and savings goals.\n\nSavings goals can include anything like, saving for retirement, saving up for a new car, or saving up an [emergency fund](https:\/\/www.checkcity.com\/personal-finance\/emergency-fund \"emergency fund\"). It’s up to you\\!\n\nFill out the worksheet after reading over our tips to save and start saving money today\\!\n\n![savings plan worksheet](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/636d5ecc1c195527d5f0b233_45ZMmIGBxgj12LoDnW35Ma96Sb0YKsTbevgzMQSvgPf46q38lANFJnOW300eh21iGch2oZVNjb2HBR7WBlc2hrMZml2nuleLz2jvLreGYkhRorICjy_1OFgph1Jyu3xweqgIDeG8_e8sKeh1QF5sGKYKoYsM3xFEu3DKkjtuiJW1iZEAKGmylcdVEqb0FMXI53hjP9q2jA.png)\n\n[**Download a Savings Plan Worksheet**](https:\/\/cdn.prod.website-files.com\/6000891868c08ec6ed8651e4\/637551402f6a3d66be8d8a97_SavePlan.pdf \"Download a Savings Plan Worksheet\")**.**\n## Save Money by Making More Money: 5 Money Savings Tips\n![save money by making more money](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/6373d4bffd881e809dedf896_hcIrcI4Cp8TbO24OiLmZiLDltqRadds63oEEPKu91bL0iQGTNZbHDKXftt2vkDuRTWbzFne8ooXyx9C9oP1snuqiQkXMIgv1TjE7AykDVe1p-SYDYUqSlMmpxVsLvWtLE79P1JXyxA_seNw-nD1QPx3lT9ECSaVPrUYLfwgkyfeB5p76f1EG1QoQC0cB_gmK-es5JCwcEA.png)\n\nWhen you make more money, you can save money more\\!\n\nBy increasing your income you'll be adding to the amount of money you have available each month.\n\n### Tip 1: Ask for a Raise\n![ask for a raise](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/6373d4c0eee14e66bbccfd6e_rTy_Tg9xmpzgalYs97y9TOgnFMQr5aPLvwi2ClDl5WyUz-Cd_NJZrTg9N06Xa63b82rifiV9JyjURoB_JQ-jRpH2mg0e5NtS-XKPTYS6geLYMqenrDoKo_K_rhXzNF8E5uROpf_YH3iGKzZvRf_8rPb4Mi8rg2ES_zOBdh0OTQk2CqTRRxq54JZtbqVREhQnY-zxxjVILA.png)\n\nSave money by asking for a raise and making more money.\n\nAsking for a raise can be intimidating.\n\nTry setting up a meeting with your boss to discuss the raise. Then practice your talking points beforehand with a friend or in front of a mirror.\n\n### Tip 2: Find a Better-Paying Job\nSave money by making more money at a better-paying job.\n\nIf you can't get a raise at your current job, it might be worth it to find a better-paying job. Changing jobs can be hectic, but well worth it if the better pay helps you make and save money.\n\n### Tip 3: Sell Your Stuff\n![yard sale](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/6373d4bfa27d4634031fba1c_YTIi_VldF6c4QDcwPY350Vm5dBMqiwO_NwB2hdMpqGhFnEZoHZavr2pTl6pDZJ3Y6KXZCOiM3PbQ8xvHr53xf1qMxhub_PIk9_C762R0_Q1kkt53Hetgd3Lx7wGUx4J5zm1RZxsGSuqbGEvu0AYW5jVPtmHRK0qPY_az8UXAl4WWrKCHLo1MDn55jVtPn1X79gyZZV06ww.png)\n\nIf you have things in your house you want to get rid of, make good use of them by selling them. You could have a [yard sale](https:\/\/www.checkcity.com\/get-involved\/2021-virtual-yard-sale \"yard sale\") or use an online service like the Facebook marketplace. You could also [sell any gold](https:\/\/www.checkcity.com\/cash-for-gold\/how-to-sell-gold \"sell any gold\") or jewelry that you no loner have use for.\n\n### Tip 4: Set Up Passive Income\nPassive income is the type of earnings people get from things like owning rental properties or shares in a company or business partnership. You could invest in rental property, invest in a business, or become a partner in a business venture to start earning passive income.\n\n### Tip 5: Grow a Garden and Sell the Produce\n![grow a garden](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/636d5ecc637330765eefc9b9_yyEoR2Ra8mvmE-PReOu9FUBd6nWnWwJ9tUhW3EI6cy3A6q15YEl7yPfXQoOGqXYBGfm6tgbgNrSun0nUYemO24JCtab5mrLECf0jybMzL8o7F_X_MOVDchHZf65xWbpH8LwaIn-6CPYjhHx2lN7QP-Gt7L7IIbBf0bWuX5B8qVhNf3rw2Jeisggw-V6ZnFaUXZjnhRXH9g.png)\n\nBy growing your own produce garden, you can both make and save money. Depending on how big your garden is, you can sell your garden produce to friends and neighbors.\n\n## Save Money by Spending Less: 15 Money Savings Tips\nSave money when you spend less money. By decreasing your spending you'll also increase your monthly income.\n\nThen, you'll have more money to put toward [getting rid of debts](https:\/\/www.checkcity.com\/personal-finance\/how-to-get-out-of-debt \"getting rid of debts\") like loans and credit card debts, and building your savings and emergency funds.\n\n### Tip 6: Cancel Subscriptions\nSave money by canceling subscriptions you don't really need or use.\n\nSubscriptions can add up to a lot if you aren't careful. End as many subscriptions as you can to save that monthly fee for yourself.\n\n### Tip 7: Join Family or Group Subscription Plans\n![family subscription](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/6373d4c077eebe1e373d2fd3_3IhNAJo7E8fmil1b7zUblSC5CJY-h5r_UWGnoECvs7jNMHovdaQAqOWqI-QPfNzaXk8rhnkRuob80827Qjm4BP65Xi8JoEvVlDQsJKOKyVjvwESdtMiH8vqIrILNKTP7jptuu7ji7udsS59Pyxz1oSFpTynMF7fELvMns1E3LnJxa5GOOwMBaKoWsx8p2C927VZMqOl6hw.png)\n\nDon't want to say goodbye to that subscription? That's ok\\!\n\nAnother thing you can try is starting a family plan with friends and family to split the cost of the subscription.\n\n### Tip 8: Cancel Memberships\nSome memberships can be really useful, like a membership to Costco where you can buy in bulk and save more in the long term, or a membership to a gym where you can work out and stay healthy.\n\nBut if you can, cancel your memberships and find free or cheaper alternatives, like a cheaper gym or running in your neighborhood instead.\n\n### Tip 9: Switch to a Cheaper Phone Plan\n![switch to a cheaper phone plan](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/6373d4c077eebe4cdc3d2ff6_cQNd4XvG3ncEbfItF08qXm6m3ssszlXHYcoCi4ywkRf98YmHGfX3VG2u12BgFDlFmZxTuNmmQiVfdh0OKKzOoxpL_ljtuzQjL5GJx-OncWgHk_4odj5lw3DAGlKki-FmI_5bLK9MWV0l4ZhnaTb0prB-k3ZS2OvUWpx1e46iW2OTIiATsUifrO2CAjWYJcCAA22FD0wxHg.png)\n\nPhone bills can get really expensive, especially when they include paying off expensive new phones.\n\nWhile it's really nice to have a great phone and a great phone plan, there might be cheaper options out there for you to take advantage of.\n\n### Tip 10: Eat at Home\nEating out is usually more expensive than eating at home.\n\nBy baking and cooking at home you can save more money and potentially eat healthier and more wholesome meals.\n\n### Tip 11: Meal and Grocery Plan\n![grocery shopping](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/6373d4c0042ec07f62a659f9_4yWe6zjkKZF-XNT5Hys-NNX_Bq3yeLtqx5rzp31fHBp41sZg9RM5WSCFdu9uImtzgyFUiLz8m44PGWrbDSdTWv8kos5hbGyPVoZdCPTHhUWNwHkYofAqnoLSLLIuLOvS0QVTUxjpo7GcGF33uo5zw5V8uMSikDPp-HdlHm0-K7D-bu95waZGtN_x5mCfd65Am_a5ASPhYQ.png)\n\nPrepare for grocery shopping before you go to the store and prepare for making meals this week before the week starts.\n\nThis will help you eat at home on a regular basis and keep you from overspending while out at the store.\n\n### Tip 12: Pack a Lunch for Work or School\nWe all need to eat during the school or workday.\n\nSave money while taking better care of yourself by packing healthy meals instead of eating out during your lunch break.\n\n### Tip 13: Switch to Cheaper Generic Brands\n![switch to cheaper generic brands](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/6373d4c0bf48fe71ab8855d3_6uqJKJ7bcexkMLPY7Xqb2hwy9um7Sx6U67E7rZnZY-9ORycdE2-Aco7aQ0sp8chUUg2G6mMu7exAt3WcvgUH85U3vqgSw3gMBfdH687zny11cL2TVUfhwEjtjQx987GTfrNkDmsjYssoYvR-zWW2pi9kVnmFT-KKwIvVgDj7JOiyX7bY8HvqZRI4bXZG98f6sh3wwIzzEg.png)\n\nBrands tend to come with a price tag of their own.\n\nChoose wisely and avoid paying extra simply for a name brand.\n\n### Tip 14: Plan Free Activities\nWhen it's time to have fun choose activities that don't involve your wallet.\n\nPlan a staycation, go hiking, plan a camping trip, play games, or watch the movies you already have at home.\n\n### Tip 15: Save on Transportation\n![bike icon](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/6373d4c068657b7dd8da1f3a_uh4XjhYco-V-Baiy3nFXjc57aC0R_jIs82rHlWRlFrdgM5HR0TcxLJZIbbfN2suCDRtEmgqIxgM3HJT76TZyda3RBfyIo_zku_dHZNoGEM_xSR7MA0YYN0RwOCfXkbyT6B7fFDdVCtvAXjuwRFqOVwG4PQzveBDYIq6phnBVRtmXsw3ET8joKxZf5V29g2oqRu6SzdMlrg.png)\n\nSave your wallet while helping save the planet\\!\n\nUse public transportation, walk, ride your bike, or carpool to save on gas costs.\n\n### Tip 16: Reduce Utility Bills\nSpend less on your utility bill and electric bill by using less power each day.\n\nRun less water, keep the AC off on nice days, and turn lights off when not in the room.\n\nAnother way to save on utility bills is to avoid late fees by automatically transferring bill payments each month.\n\n### Tip 17: Invest in Reusable Products\n![tupperware](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/6373d4c0417fa932a14e7365_VXBRZFK8-dLjo1zC0Jm4rud40D8QlgjV3mXBmCdcvfjPlxWibnswMDMtHDSXZG_d2LaNVG1es0s1YXi-VA1KkYsVj-1cYoauHYzRDpo92TrK37OFebM1UAsqmMkIkyFw9R-TZbwZo_M3pzAfwvngMtzsnTcNEVfKXEHN-l2ITTa5tEAObrQqqnjh24bumeR_zPEq7A_UMQ.png)\n\nReusable products can save you lots of money in the long term.\n\nFor example, buy cloth towels instead of rebuying paper towels or get reusable tupperware and ziplock bags instead of rebuying plastic wrap and plastic ziplock bags.\n\n### Tip 18: Build an Emergency Fund\nAn emergency fund will save you money in the future when a financial emergency arises, and you are already prepared with the family savings you've set aside just for emergencies.\n\n### Tip 19: Create a Better Budget\n![cash envelope budget](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/69c32844db25f4fd46c709f8_6373d5add544ebd69d1986a6_CashEnvel_SaM_1026.png)\n\nIf the budget you have now isn't working then it might be time to throw that budget away and try something new.\n\nOne thing you might try is the [cash envelope system](https:\/\/www.checkcity.com\/personal-finance\/what-is-a-cash-envelopes-system \"cash envelope system\"), or a simple budgeting app to help manage and track how you spend money. Participating in a [savings challenge](https:\/\/www.checkcity.com\/personal-finance\/saving-challenges \"savings challenge\") is a way to save money and have fun while doing it.\n\n### Tip 20: Use Prepaid Cards\nDo you want to know how to save money fast?\n\nSet hard limits on spending by getting a [reloadable prepaid card](https:\/\/www.checkcity.com\/prepaid-cards \"reloadable prepaid card\").\n\nThese cards are easy to use and they won't let you overdraft or spend more than what you've put on the card to be spent.\n\n#### Control Your Spending with  [Netspend Cards.](https:\/\/www.checkcity.com\/netspend-cards \"Netspend Cards.\")\n## Save Money with a Savings Plan\nAn efficient savings plan is all about learning how to spend less and figuring out ways to earn more.\n\nWith these how-to-save-money tips, you'll end up with more money on your side each month and more [financial freedom](https:\/\/www.checkcity.com\/personal-finance\/financial-freedom \"financial freedom\") because of it.\n\nIf you use online banking with a bank account, make sure you have a savings account so you can start to save each month and reach your savings goals.\n\n*This content is for informational purposes only and does not constitute financial or legal advice. Loan products, terms, amounts, rates, fees, and funding times may vary by state and applicant qualifications. All loans are subject to approval and verification under applicable law. Check City is a licensed lender in each state where it operates. Loans are intended for short-term financial needs only. Please borrow responsibly.*\n\n#### Article Sources\n\nStart your Application\n\nThank you! Your submission has been received\\!\n\nOops! Something went wrong while submitting the form.\n\nKeep Learning\n\n[15 Frugal Tips that are Super Simple](https:\/\/www.checkcity.com\/personal-finance\/frugal-living-tips)\n\n[How to Coupon Like a Professional](https:\/\/www.checkcity.com\/personal-finance\/how-to-coupon)\n\n[How to Save Money For Your Kids](https:\/\/www.checkcity.com\/personal-finance\/how-to-save-money-for-your-kids)\n\n![Check City logo](https:\/\/cdn.prod.website-files.com\/6000891868c08ec6ed8651e4\/601474cb46b4386a6914dba3_Logo%20White.svg)\n\n[![Facebook](https:\/\/cdn.prod.website-files.com\/6000891868c08ec6ed8651e4\/65b2d0704054afcb02dd189d_brand-facebook-filled.svg)](https:\/\/www.facebook.com\/CheckCity\/)[![Instagram](https:\/\/cdn.prod.website-files.com\/6000891868c08ec6ed8651e4\/65b2d0707fc69e612bc6ea99_brand-instagram.svg)](https:\/\/www.instagram.com\/checkcity\/)[![TikTok](https:\/\/cdn.prod.website-files.com\/6000891868c08ec6ed8651e4\/65b2d070acf5f99d1010db9d_brand-tiktok-filled.svg)](https:\/\/www.tiktok.com\/@checkcity)\n\n[![YouTube](https:\/\/cdn.prod.website-files.com\/6000891868c08ec6ed8651e4\/65b2d070baa622d7bd8e71ff_brand-youtube-filled.svg)](https:\/\/www.youtube.com\/checkcity)[![Pinterest](https:\/\/cdn.prod.website-files.com\/6000891868c08ec6ed8651e4\/65b2d0701ad1e3a7dff313ca_brand-pinterest.svg)](https:\/\/www.pinterest.com\/checkcity\/)\n\n**Customer Service:** [**(800) 404-0254**](tel:+18004040254)\n\nQuick Links\n\n[Online Payday Loans](https:\/\/www.checkcity.com\/payday-loans)\n\n[Personal Loans](https:\/\/www.checkcity.com\/personal-loans)\n\n[Title Loans](https:\/\/www.checkcity.com\/title-loans)\n\n[Cash Advances](https:\/\/www.checkcity.com\/cash-advance-loan)\n\n[Additional Services](https:\/\/www.checkcity.com\/additional-services)\n\n[Installment Loans](https:\/\/www.checkcity.com\/installment-loans)\n\n[Rates & Fees](https:\/\/www.checkcity.com\/rates-fees)\n\n[Sitemap](https:\/\/www.checkcity.com\/sitemap.xml)\n\n[Blog](https:\/\/www.checkcity.com\/blog)\n\nCompany\n\n[Why Check City?](https:\/\/www.checkcity.com\/company\/about)\n\n[Responsible Lending Statement](https:\/\/www.checkcity.com\/company\/responsible-lending)\n\n[State Licensed Lender](https:\/\/www.checkcity.com\/company\/state-licensed-lender)\n\n[Terms of Use](https:\/\/www.checkcity.com\/company\/terms-of-use\/)\n\n[Wireless Policy](https:\/\/www.checkcity.com\/company\/wireless-policy)\n\n[Privacy Policy](https:\/\/www.checkcity.com\/company\/privacy-policy)\n\n[Privacy Notice](https:\/\/www.checkcity.com\/company\/privacy-notice)\n\n[Careers](https:\/\/www.checkcity.com\/careers)\n\n[Contact Us](https:\/\/www.checkcity.com\/contact)\n\nLocations\n\n[Nevada](https:\/\/www.checkcity.com\/states\/nevada)\n\n[Utah](https:\/\/www.checkcity.com\/states\/utah)\n\nStates\n\n[Alabama](https:\/\/www.checkcity.com\/states\/alabama)\n\n[Alaska](https:\/\/www.checkcity.com\/states\/alaska)\n\n[California](https:\/\/www.checkcity.com\/payday-loans\/california)\n\n[Idaho](https:\/\/www.checkcity.com\/states\/idaho)\n\n[Kansas](https:\/\/www.checkcity.com\/states\/kansas)\n\n[Louisiana](https:\/\/www.checkcity.com\/states\/louisiana)\n\n[Mississippi](https:\/\/www.checkcity.com\/states\/mississippi)\n\n[Missouri](https:\/\/www.checkcity.com\/installment-loans\/missouri)\n\n[Nevada](https:\/\/www.checkcity.com\/states\/nevada)\n\n[Ohio](https:\/\/www.checkcity.com\/states\/ohio)\n\n[Oklahoma](https:\/\/www.checkcity.com\/states\/oklahoma)\n\n[Texas](https:\/\/www.checkcity.com\/states\/texas)\n\n[Utah](https:\/\/www.checkcity.com\/states\/utah)\n\n[Wisconsin](https:\/\/www.checkcity.com\/states\/wisconsin)\n\n[Wyoming](https:\/\/www.checkcity.com\/states\/wyoming)\n\nPayday Loans are also commonly referred to as Cash Advances, Payday Advances, Payday Advance Loans, and Fast Cash Loans. 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In Texas, CheckCity.com acts as a credit services organization\/credit access business (CSO\/CAB) and will not be the lender for loans obtained through this site; CheckCity.com will instead attempt to arrange a loan between you and an unaffiliated third-party lender.  \n‍  \nCustomer Notice: A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday advances are not recommended as long-term financial solutions. Loan proceeds issued through our website are generally deposited via ACH for next business day delivery if approved by 8pm CT Mon. – Fri.  \n‍  \nThis is an invitation to send a loan application, not an offer to make a short-term loan. This service does not constitute an offer or solicitation for payday loans in Arizona, Arkansas, Colorado, Georgia, Maryland, Massachusetts, New York, Pennsylvania, or West Virginia. The maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details. Utah Customers: For consumer questions or complaints regarding payday loans and\/or title loans you may contact our Customer Service Department toll-free at (866) 258-4672. You may also contact our regulator, The Utah Department of Financial Institutions at (801) 538-8830. In California, CheckCity.com is licensed by the California Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law, Cal. Fin. Code D. 10.  \n‍  \nPlease see Rates and Terms to check the availability of online loans in your state. Check City does not provide loan services in all states.\n\n© 2004-2026 Check City Online. All rights reserved","attrs_readable_markdown":"Everyone wants to learn how to save money, but it's not always easy to do. Learn some of the best ways to save money with these easy tips.\n\nGenerally, when we think about how to save money, we think about all the sacrifices we need to make, like no more morning coffee, no more eating out, or biking to work in the rain to save on gas money.\n\nBut learning how to save money is more dynamic than the typical financial sacrifices we think about.\n\nThere is so much more you can do when learning how to save money than simply depriving yourself of a simple item like morning coffee.\n\n## The 3 Best Ways to Save Money\nTo learn how to save money, you need to know the 3 best ways to save money:\n\n1. Make more money\n2. Spend less money\n3. Make a solid savings plan\n\nUse the personal money savings plan worksheet below to help you make personal money savings plans and savings goals.\n\nSavings goals can include anything like, saving for retirement, saving up for a new car, or saving up an [emergency fund](https:\/\/www.checkcity.com\/personal-finance\/emergency-fund \"emergency fund\"). It’s up to you\\!\n\nFill out the worksheet after reading over our tips to save and start saving money today\\!\n\n![savings plan worksheet](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/636d5ecc1c195527d5f0b233_45ZMmIGBxgj12LoDnW35Ma96Sb0YKsTbevgzMQSvgPf46q38lANFJnOW300eh21iGch2oZVNjb2HBR7WBlc2hrMZml2nuleLz2jvLreGYkhRorICjy_1OFgph1Jyu3xweqgIDeG8_e8sKeh1QF5sGKYKoYsM3xFEu3DKkjtuiJW1iZEAKGmylcdVEqb0FMXI53hjP9q2jA.png)\n\n[**Download a Savings Plan Worksheet**](https:\/\/cdn.prod.website-files.com\/6000891868c08ec6ed8651e4\/637551402f6a3d66be8d8a97_SavePlan.pdf \"Download a Savings Plan Worksheet\")**.**\n## Save Money by Making More Money: 5 Money Savings Tips\n![save money by making more money](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/6373d4bffd881e809dedf896_hcIrcI4Cp8TbO24OiLmZiLDltqRadds63oEEPKu91bL0iQGTNZbHDKXftt2vkDuRTWbzFne8ooXyx9C9oP1snuqiQkXMIgv1TjE7AykDVe1p-SYDYUqSlMmpxVsLvWtLE79P1JXyxA_seNw-nD1QPx3lT9ECSaVPrUYLfwgkyfeB5p76f1EG1QoQC0cB_gmK-es5JCwcEA.png)\n\nWhen you make more money, you can save money more\\!\n\nBy increasing your income you'll be adding to the amount of money you have available each month.\n\n### Tip 1: Ask for a Raise\n![ask for a raise](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/6373d4c0eee14e66bbccfd6e_rTy_Tg9xmpzgalYs97y9TOgnFMQr5aPLvwi2ClDl5WyUz-Cd_NJZrTg9N06Xa63b82rifiV9JyjURoB_JQ-jRpH2mg0e5NtS-XKPTYS6geLYMqenrDoKo_K_rhXzNF8E5uROpf_YH3iGKzZvRf_8rPb4Mi8rg2ES_zOBdh0OTQk2CqTRRxq54JZtbqVREhQnY-zxxjVILA.png)\n\nSave money by asking for a raise and making more money.\n\nAsking for a raise can be intimidating.\n\nTry setting up a meeting with your boss to discuss the raise. Then practice your talking points beforehand with a friend or in front of a mirror.\n\n### Tip 2: Find a Better-Paying Job\nSave money by making more money at a better-paying job.\n\nIf you can't get a raise at your current job, it might be worth it to find a better-paying job. Changing jobs can be hectic, but well worth it if the better pay helps you make and save money.\n\n### Tip 3: Sell Your Stuff\n![yard sale](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/6373d4bfa27d4634031fba1c_YTIi_VldF6c4QDcwPY350Vm5dBMqiwO_NwB2hdMpqGhFnEZoHZavr2pTl6pDZJ3Y6KXZCOiM3PbQ8xvHr53xf1qMxhub_PIk9_C762R0_Q1kkt53Hetgd3Lx7wGUx4J5zm1RZxsGSuqbGEvu0AYW5jVPtmHRK0qPY_az8UXAl4WWrKCHLo1MDn55jVtPn1X79gyZZV06ww.png)\n\nIf you have things in your house you want to get rid of, make good use of them by selling them. You could have a [yard sale](https:\/\/www.checkcity.com\/get-involved\/2021-virtual-yard-sale \"yard sale\") or use an online service like the Facebook marketplace. You could also [sell any gold](https:\/\/www.checkcity.com\/cash-for-gold\/how-to-sell-gold \"sell any gold\") or jewelry that you no loner have use for.\n\n### Tip 4: Set Up Passive Income\nPassive income is the type of earnings people get from things like owning rental properties or shares in a company or business partnership. You could invest in rental property, invest in a business, or become a partner in a business venture to start earning passive income.\n\n### Tip 5: Grow a Garden and Sell the Produce\n![grow a garden](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/636d5ecc637330765eefc9b9_yyEoR2Ra8mvmE-PReOu9FUBd6nWnWwJ9tUhW3EI6cy3A6q15YEl7yPfXQoOGqXYBGfm6tgbgNrSun0nUYemO24JCtab5mrLECf0jybMzL8o7F_X_MOVDchHZf65xWbpH8LwaIn-6CPYjhHx2lN7QP-Gt7L7IIbBf0bWuX5B8qVhNf3rw2Jeisggw-V6ZnFaUXZjnhRXH9g.png)\n\nBy growing your own produce garden, you can both make and save money. Depending on how big your garden is, you can sell your garden produce to friends and neighbors.\n\n## Save Money by Spending Less: 15 Money Savings Tips\nSave money when you spend less money. By decreasing your spending you'll also increase your monthly income.\n\nThen, you'll have more money to put toward [getting rid of debts](https:\/\/www.checkcity.com\/personal-finance\/how-to-get-out-of-debt \"getting rid of debts\") like loans and credit card debts, and building your savings and emergency funds.\n\n### Tip 6: Cancel Subscriptions\nSave money by canceling subscriptions you don't really need or use.\n\nSubscriptions can add up to a lot if you aren't careful. End as many subscriptions as you can to save that monthly fee for yourself.\n\n### Tip 7: Join Family or Group Subscription Plans\n![family subscription](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/6373d4c077eebe1e373d2fd3_3IhNAJo7E8fmil1b7zUblSC5CJY-h5r_UWGnoECvs7jNMHovdaQAqOWqI-QPfNzaXk8rhnkRuob80827Qjm4BP65Xi8JoEvVlDQsJKOKyVjvwESdtMiH8vqIrILNKTP7jptuu7ji7udsS59Pyxz1oSFpTynMF7fELvMns1E3LnJxa5GOOwMBaKoWsx8p2C927VZMqOl6hw.png)\n\nDon't want to say goodbye to that subscription? That's ok\\!\n\nAnother thing you can try is starting a family plan with friends and family to split the cost of the subscription.\n\n### Tip 8: Cancel Memberships\nSome memberships can be really useful, like a membership to Costco where you can buy in bulk and save more in the long term, or a membership to a gym where you can work out and stay healthy.\n\nBut if you can, cancel your memberships and find free or cheaper alternatives, like a cheaper gym or running in your neighborhood instead.\n\n### Tip 9: Switch to a Cheaper Phone Plan\n![switch to a cheaper phone plan](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/6373d4c077eebe4cdc3d2ff6_cQNd4XvG3ncEbfItF08qXm6m3ssszlXHYcoCi4ywkRf98YmHGfX3VG2u12BgFDlFmZxTuNmmQiVfdh0OKKzOoxpL_ljtuzQjL5GJx-OncWgHk_4odj5lw3DAGlKki-FmI_5bLK9MWV0l4ZhnaTb0prB-k3ZS2OvUWpx1e46iW2OTIiATsUifrO2CAjWYJcCAA22FD0wxHg.png)\n\nPhone bills can get really expensive, especially when they include paying off expensive new phones.\n\nWhile it's really nice to have a great phone and a great phone plan, there might be cheaper options out there for you to take advantage of.\n\n### Tip 10: Eat at Home\nEating out is usually more expensive than eating at home.\n\nBy baking and cooking at home you can save more money and potentially eat healthier and more wholesome meals.\n\n### Tip 11: Meal and Grocery Plan\n![grocery shopping](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/6373d4c0042ec07f62a659f9_4yWe6zjkKZF-XNT5Hys-NNX_Bq3yeLtqx5rzp31fHBp41sZg9RM5WSCFdu9uImtzgyFUiLz8m44PGWrbDSdTWv8kos5hbGyPVoZdCPTHhUWNwHkYofAqnoLSLLIuLOvS0QVTUxjpo7GcGF33uo5zw5V8uMSikDPp-HdlHm0-K7D-bu95waZGtN_x5mCfd65Am_a5ASPhYQ.png)\n\nPrepare for grocery shopping before you go to the store and prepare for making meals this week before the week starts.\n\nThis will help you eat at home on a regular basis and keep you from overspending while out at the store.\n\n### Tip 12: Pack a Lunch for Work or School\nWe all need to eat during the school or workday.\n\nSave money while taking better care of yourself by packing healthy meals instead of eating out during your lunch break.\n\n### Tip 13: Switch to Cheaper Generic Brands\n![switch to cheaper generic brands](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/6373d4c0bf48fe71ab8855d3_6uqJKJ7bcexkMLPY7Xqb2hwy9um7Sx6U67E7rZnZY-9ORycdE2-Aco7aQ0sp8chUUg2G6mMu7exAt3WcvgUH85U3vqgSw3gMBfdH687zny11cL2TVUfhwEjtjQx987GTfrNkDmsjYssoYvR-zWW2pi9kVnmFT-KKwIvVgDj7JOiyX7bY8HvqZRI4bXZG98f6sh3wwIzzEg.png)\n\nBrands tend to come with a price tag of their own.\n\nChoose wisely and avoid paying extra simply for a name brand.\n\n### Tip 14: Plan Free Activities\nWhen it's time to have fun choose activities that don't involve your wallet.\n\nPlan a staycation, go hiking, plan a camping trip, play games, or watch the movies you already have at home.\n\n### Tip 15: Save on Transportation\n![bike icon](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/6373d4c068657b7dd8da1f3a_uh4XjhYco-V-Baiy3nFXjc57aC0R_jIs82rHlWRlFrdgM5HR0TcxLJZIbbfN2suCDRtEmgqIxgM3HJT76TZyda3RBfyIo_zku_dHZNoGEM_xSR7MA0YYN0RwOCfXkbyT6B7fFDdVCtvAXjuwRFqOVwG4PQzveBDYIq6phnBVRtmXsw3ET8joKxZf5V29g2oqRu6SzdMlrg.png)\n\nSave your wallet while helping save the planet\\!\n\nUse public transportation, walk, ride your bike, or carpool to save on gas costs.\n\n### Tip 16: Reduce Utility Bills\nSpend less on your utility bill and electric bill by using less power each day.\n\nRun less water, keep the AC off on nice days, and turn lights off when not in the room.\n\nAnother way to save on utility bills is to avoid late fees by automatically transferring bill payments each month.\n\n### Tip 17: Invest in Reusable Products\n![tupperware](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/6373d4c0417fa932a14e7365_VXBRZFK8-dLjo1zC0Jm4rud40D8QlgjV3mXBmCdcvfjPlxWibnswMDMtHDSXZG_d2LaNVG1es0s1YXi-VA1KkYsVj-1cYoauHYzRDpo92TrK37OFebM1UAsqmMkIkyFw9R-TZbwZo_M3pzAfwvngMtzsnTcNEVfKXEHN-l2ITTa5tEAObrQqqnjh24bumeR_zPEq7A_UMQ.png)\n\nReusable products can save you lots of money in the long term.\n\nFor example, buy cloth towels instead of rebuying paper towels or get reusable tupperware and ziplock bags instead of rebuying plastic wrap and plastic ziplock bags.\n\n### Tip 18: Build an Emergency Fund\nAn emergency fund will save you money in the future when a financial emergency arises, and you are already prepared with the family savings you've set aside just for emergencies.\n\n### Tip 19: Create a Better Budget\n![cash envelope budget](https:\/\/cdn.prod.website-files.com\/600089199ba28edd49ed9587\/69c32844db25f4fd46c709f8_6373d5add544ebd69d1986a6_CashEnvel_SaM_1026.png)\n\nIf the budget you have now isn't working then it might be time to throw that budget away and try something new.\n\nOne thing you might try is the [cash envelope system](https:\/\/www.checkcity.com\/personal-finance\/what-is-a-cash-envelopes-system \"cash envelope system\"), or a simple budgeting app to help manage and track how you spend money. Participating in a [savings challenge](https:\/\/www.checkcity.com\/personal-finance\/saving-challenges \"savings challenge\") is a way to save money and have fun while doing it.\n\n### Tip 20: Use Prepaid Cards\nDo you want to know how to save money fast?\n\nSet hard limits on spending by getting a [reloadable prepaid card](https:\/\/www.checkcity.com\/prepaid-cards \"reloadable prepaid card\").\n\nThese cards are easy to use and they won't let you overdraft or spend more than what you've put on the card to be spent.\n\n## Save Money with a Savings Plan\nAn efficient savings plan is all about learning how to spend less and figuring out ways to earn more.\n\nWith these how-to-save-money tips, you'll end up with more money on your side each month and more [financial freedom](https:\/\/www.checkcity.com\/personal-finance\/financial-freedom \"financial freedom\") because of it.\n\nIf you use online banking with a bank account, make sure you have a savings account so you can start to save each month and reach your savings goals.\n\n*This content is for informational purposes only and does not constitute financial or legal advice. Loan products, terms, amounts, rates, fees, and funding times may vary by state and applicant qualifications. All loans are subject to approval and verification under applicable law. Check City is a licensed lender in each state where it operates. Loans are intended for short-term financial needs only. Please borrow responsibly.*","meta_canonical":null}

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URL	https://www.checkcity.com/personal-finance/how-to-save-money
Last Crawled	2026-03-29 20:32:28 (14 days ago)
First Indexed	2021-06-26 08:30:38 (4 years ago)
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Meta Title	20 Tips for How to Save Money the Easy Way
Meta Description	Learn how to save money with Check City’s money-saving tips. You will find the best ways to save money are sometimes the simplest.
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Boilerpipe Text	Everyone wants to learn how to save money, but it's not always easy to do. Learn some of the best ways to save money with these easy tips. Generally, when we think about how to save money, we think about all the sacrifices we need to make, like no more morning coffee, no more eating out, or biking to work in the rain to save on gas money. But learning how to save money is more dynamic than the typical financial sacrifices we think about. There is so much more you can do when learning how to save money than simply depriving yourself of a simple item like morning coffee. The 3 Best Ways to Save Money To learn how to save money, you need to know the 3 best ways to save money: Make more money Spend less money Make a solid savings plan Use the personal money savings plan worksheet below to help you make personal money savings plans and savings goals. Savings goals can include anything like, saving for retirement, saving up for a new car, or saving up an emergency fund . It’s up to you! Fill out the worksheet after reading over our tips to save and start saving money today! Download a Savings Plan Worksheet . Save Money by Making More Money: 5 Money Savings Tips When you make more money, you can save money more! By increasing your income you'll be adding to the amount of money you have available each month. Tip 1: Ask for a Raise Save money by asking for a raise and making more money. Asking for a raise can be intimidating. Try setting up a meeting with your boss to discuss the raise. Then practice your talking points beforehand with a friend or in front of a mirror. Tip 2: Find a Better-Paying Job Save money by making more money at a better-paying job. If you can't get a raise at your current job, it might be worth it to find a better-paying job. Changing jobs can be hectic, but well worth it if the better pay helps you make and save money. Tip 3: Sell Your Stuff If you have things in your house you want to get rid of, make good use of them by selling them. You could have a yard sale or use an online service like the Facebook marketplace. You could also sell any gold or jewelry that you no loner have use for. Tip 4: Set Up Passive Income Passive income is the type of earnings people get from things like owning rental properties or shares in a company or business partnership. You could invest in rental property, invest in a business, or become a partner in a business venture to start earning passive income. Tip 5: Grow a Garden and Sell the Produce By growing your own produce garden, you can both make and save money. Depending on how big your garden is, you can sell your garden produce to friends and neighbors. Save Money by Spending Less: 15 Money Savings Tips Save money when you spend less money. By decreasing your spending you'll also increase your monthly income. Then, you'll have more money to put toward getting rid of debts like loans and credit card debts, and building your savings and emergency funds. Tip 6: Cancel Subscriptions Save money by canceling subscriptions you don't really need or use. Subscriptions can add up to a lot if you aren't careful. End as many subscriptions as you can to save that monthly fee for yourself. Tip 7: Join Family or Group Subscription Plans Don't want to say goodbye to that subscription? That's ok! Another thing you can try is starting a family plan with friends and family to split the cost of the subscription. Tip 8: Cancel Memberships Some memberships can be really useful, like a membership to Costco where you can buy in bulk and save more in the long term, or a membership to a gym where you can work out and stay healthy. But if you can, cancel your memberships and find free or cheaper alternatives, like a cheaper gym or running in your neighborhood instead. Tip 9: Switch to a Cheaper Phone Plan Phone bills can get really expensive, especially when they include paying off expensive new phones. While it's really nice to have a great phone and a great phone plan, there might be cheaper options out there for you to take advantage of. Tip 10: Eat at Home Eating out is usually more expensive than eating at home. By baking and cooking at home you can save more money and potentially eat healthier and more wholesome meals. Tip 11: Meal and Grocery Plan Prepare for grocery shopping before you go to the store and prepare for making meals this week before the week starts. This will help you eat at home on a regular basis and keep you from overspending while out at the store. Tip 12: Pack a Lunch for Work or School We all need to eat during the school or workday. Save money while taking better care of yourself by packing healthy meals instead of eating out during your lunch break. Tip 13: Switch to Cheaper Generic Brands Brands tend to come with a price tag of their own. Choose wisely and avoid paying extra simply for a name brand. Tip 14: Plan Free Activities When it's time to have fun choose activities that don't involve your wallet. Plan a staycation, go hiking, plan a camping trip, play games, or watch the movies you already have at home. Tip 15: Save on Transportation Save your wallet while helping save the planet! Use public transportation, walk, ride your bike, or carpool to save on gas costs. Tip 16: Reduce Utility Bills Spend less on your utility bill and electric bill by using less power each day. Run less water, keep the AC off on nice days, and turn lights off when not in the room. Another way to save on utility bills is to avoid late fees by automatically transferring bill payments each month. Tip 17: Invest in Reusable Products Reusable products can save you lots of money in the long term. For example, buy cloth towels instead of rebuying paper towels or get reusable tupperware and ziplock bags instead of rebuying plastic wrap and plastic ziplock bags. Tip 18: Build an Emergency Fund An emergency fund will save you money in the future when a financial emergency arises, and you are already prepared with the family savings you've set aside just for emergencies. Tip 19: Create a Better Budget If the budget you have now isn't working then it might be time to throw that budget away and try something new. One thing you might try is the cash envelope system , or a simple budgeting app to help manage and track how you spend money. Participating in a savings challenge is a way to save money and have fun while doing it. Tip 20: Use Prepaid Cards Do you want to know how to save money fast? Set hard limits on spending by getting a reloadable prepaid card . These cards are easy to use and they won't let you overdraft or spend more than what you've put on the card to be spent. Save Money with a Savings Plan An efficient savings plan is all about learning how to spend less and figuring out ways to earn more. With these how-to-save-money tips, you'll end up with more money on your side each month and more financial freedom because of it. If you use online banking with a bank account, make sure you have a savings account so you can start to save each month and reach your savings goals. This content is for informational purposes only and does not constitute financial or legal advice. Loan products, terms, amounts, rates, fees, and funding times may vary by state and applicant qualifications. All loans are subject to approval and verification under applicable law. Check City is a licensed lender in each state where it operates. Loans are intended for short-term financial needs only. Please borrow responsibly.
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About [About Check City](https://www.checkcity.com/company/about) [Contact Us](https://www.checkcity.com/contact) [Reviews](https://www.checkcity.com/company/check-city-reviews) [careers](https://www.checkcity.com/careers) [members faq](https://www.checkcity.com/company/members-faq) Community [Community Outreach](https://www.checkcity.com/community-outreach) [Check City Scholarship](https://www.checkcity.com/community-outreach/scholarship) [Warm Hearts coat Drive](https://www.checkcity.com/community-outreach/warm-hearts-coat-drive) [Shade Tree Fundraiser](https://www.checkcity.com/community-outreach/shade-tree-fundraiser) [Apply now](https://members.checkcity.com/apply.aspx) [Login](https://members.checkcity.com/memberlogin.aspx) ![family in front of a piggybank](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/60e8bd223290094dc108b070_HERO_How-to-Save-Money.png) [Cash Academy](https://www.checkcity.com/blog)![](https://cdn.prod.website-files.com/6000891868c08ec6ed8651e4/60a5499ee259e836fa1eac82_Right%20Arrow.svg)[Personal Finance](https://www.checkcity.com/personal-finance)![](https://cdn.prod.website-files.com/6000891868c08ec6ed8651e4/60a5499ee259e836fa1eac82_Right%20Arrow.svg) # 20 Tips for How to Save Money written By [Kimber Severance](https://www.checkcity.com/company/kimber-severance) Reviewed by [Todd Rawle](https://www.checkcity.com/company/todd-rawle) March 24, 2026 [Prepaid Cards](https://www.checkcity.com/prepaid-cards) Everyone wants to learn how to save money, but it's not always easy to do. Learn some of the best ways to save money with these easy tips. Generally, when we think about how to save money, we think about all the sacrifices we need to make, like no more morning coffee, no more eating out, or biking to work in the rain to save on gas money. But learning how to save money is more dynamic than the typical financial sacrifices we think about. There is so much more you can do when learning how to save money than simply depriving yourself of a simple item like morning coffee. ## The 3 Best Ways to Save Money To learn how to save money, you need to know the 3 best ways to save money: 1. Make more money 2. Spend less money 3. Make a solid savings plan Use the personal money savings plan worksheet below to help you make personal money savings plans and savings goals. Savings goals can include anything like, saving for retirement, saving up for a new car, or saving up an [emergency fund](https://www.checkcity.com/personal-finance/emergency-fund "emergency fund"). It’s up to you\! Fill out the worksheet after reading over our tips to save and start saving money today\! ![savings plan worksheet](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/636d5ecc1c195527d5f0b233_45ZMmIGBxgj12LoDnW35Ma96Sb0YKsTbevgzMQSvgPf46q38lANFJnOW300eh21iGch2oZVNjb2HBR7WBlc2hrMZml2nuleLz2jvLreGYkhRorICjy_1OFgph1Jyu3xweqgIDeG8_e8sKeh1QF5sGKYKoYsM3xFEu3DKkjtuiJW1iZEAKGmylcdVEqb0FMXI53hjP9q2jA.png) [Download a Savings Plan Worksheet](https://cdn.prod.website-files.com/6000891868c08ec6ed8651e4/637551402f6a3d66be8d8a97_SavePlan.pdf "Download a Savings Plan Worksheet"). ## Save Money by Making More Money: 5 Money Savings Tips ![save money by making more money](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/6373d4bffd881e809dedf896_hcIrcI4Cp8TbO24OiLmZiLDltqRadds63oEEPKu91bL0iQGTNZbHDKXftt2vkDuRTWbzFne8ooXyx9C9oP1snuqiQkXMIgv1TjE7AykDVe1p-SYDYUqSlMmpxVsLvWtLE79P1JXyxA_seNw-nD1QPx3lT9ECSaVPrUYLfwgkyfeB5p76f1EG1QoQC0cB_gmK-es5JCwcEA.png) When you make more money, you can save money more\! By increasing your income you'll be adding to the amount of money you have available each month. ### Tip 1: Ask for a Raise ![ask for a raise](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/6373d4c0eee14e66bbccfd6e_rTy_Tg9xmpzgalYs97y9TOgnFMQr5aPLvwi2ClDl5WyUz-Cd_NJZrTg9N06Xa63b82rifiV9JyjURoB_JQ-jRpH2mg0e5NtS-XKPTYS6geLYMqenrDoKo_K_rhXzNF8E5uROpf_YH3iGKzZvRf_8rPb4Mi8rg2ES_zOBdh0OTQk2CqTRRxq54JZtbqVREhQnY-zxxjVILA.png) Save money by asking for a raise and making more money. Asking for a raise can be intimidating. Try setting up a meeting with your boss to discuss the raise. Then practice your talking points beforehand with a friend or in front of a mirror. ### Tip 2: Find a Better-Paying Job Save money by making more money at a better-paying job. If you can't get a raise at your current job, it might be worth it to find a better-paying job. Changing jobs can be hectic, but well worth it if the better pay helps you make and save money. ### Tip 3: Sell Your Stuff ![yard sale](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/6373d4bfa27d4634031fba1c_YTIi_VldF6c4QDcwPY350Vm5dBMqiwO_NwB2hdMpqGhFnEZoHZavr2pTl6pDZJ3Y6KXZCOiM3PbQ8xvHr53xf1qMxhub_PIk9_C762R0_Q1kkt53Hetgd3Lx7wGUx4J5zm1RZxsGSuqbGEvu0AYW5jVPtmHRK0qPY_az8UXAl4WWrKCHLo1MDn55jVtPn1X79gyZZV06ww.png) If you have things in your house you want to get rid of, make good use of them by selling them. You could have a [yard sale](https://www.checkcity.com/get-involved/2021-virtual-yard-sale "yard sale") or use an online service like the Facebook marketplace. You could also [sell any gold](https://www.checkcity.com/cash-for-gold/how-to-sell-gold "sell any gold") or jewelry that you no loner have use for. ### Tip 4: Set Up Passive Income Passive income is the type of earnings people get from things like owning rental properties or shares in a company or business partnership. You could invest in rental property, invest in a business, or become a partner in a business venture to start earning passive income. ### Tip 5: Grow a Garden and Sell the Produce ![grow a garden](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/636d5ecc637330765eefc9b9_yyEoR2Ra8mvmE-PReOu9FUBd6nWnWwJ9tUhW3EI6cy3A6q15YEl7yPfXQoOGqXYBGfm6tgbgNrSun0nUYemO24JCtab5mrLECf0jybMzL8o7F_X_MOVDchHZf65xWbpH8LwaIn-6CPYjhHx2lN7QP-Gt7L7IIbBf0bWuX5B8qVhNf3rw2Jeisggw-V6ZnFaUXZjnhRXH9g.png) By growing your own produce garden, you can both make and save money. Depending on how big your garden is, you can sell your garden produce to friends and neighbors. ## Save Money by Spending Less: 15 Money Savings Tips Save money when you spend less money. By decreasing your spending you'll also increase your monthly income. Then, you'll have more money to put toward [getting rid of debts](https://www.checkcity.com/personal-finance/how-to-get-out-of-debt "getting rid of debts") like loans and credit card debts, and building your savings and emergency funds. ### Tip 6: Cancel Subscriptions Save money by canceling subscriptions you don't really need or use. Subscriptions can add up to a lot if you aren't careful. End as many subscriptions as you can to save that monthly fee for yourself. ### Tip 7: Join Family or Group Subscription Plans ![family subscription](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/6373d4c077eebe1e373d2fd3_3IhNAJo7E8fmil1b7zUblSC5CJY-h5r_UWGnoECvs7jNMHovdaQAqOWqI-QPfNzaXk8rhnkRuob80827Qjm4BP65Xi8JoEvVlDQsJKOKyVjvwESdtMiH8vqIrILNKTP7jptuu7ji7udsS59Pyxz1oSFpTynMF7fELvMns1E3LnJxa5GOOwMBaKoWsx8p2C927VZMqOl6hw.png) Don't want to say goodbye to that subscription? That's ok\! Another thing you can try is starting a family plan with friends and family to split the cost of the subscription. ### Tip 8: Cancel Memberships Some memberships can be really useful, like a membership to Costco where you can buy in bulk and save more in the long term, or a membership to a gym where you can work out and stay healthy. But if you can, cancel your memberships and find free or cheaper alternatives, like a cheaper gym or running in your neighborhood instead. ### Tip 9: Switch to a Cheaper Phone Plan ![switch to a cheaper phone plan](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/6373d4c077eebe4cdc3d2ff6_cQNd4XvG3ncEbfItF08qXm6m3ssszlXHYcoCi4ywkRf98YmHGfX3VG2u12BgFDlFmZxTuNmmQiVfdh0OKKzOoxpL_ljtuzQjL5GJx-OncWgHk_4odj5lw3DAGlKki-FmI_5bLK9MWV0l4ZhnaTb0prB-k3ZS2OvUWpx1e46iW2OTIiATsUifrO2CAjWYJcCAA22FD0wxHg.png) Phone bills can get really expensive, especially when they include paying off expensive new phones. While it's really nice to have a great phone and a great phone plan, there might be cheaper options out there for you to take advantage of. ### Tip 10: Eat at Home Eating out is usually more expensive than eating at home. By baking and cooking at home you can save more money and potentially eat healthier and more wholesome meals. ### Tip 11: Meal and Grocery Plan ![grocery shopping](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/6373d4c0042ec07f62a659f9_4yWe6zjkKZF-XNT5Hys-NNX_Bq3yeLtqx5rzp31fHBp41sZg9RM5WSCFdu9uImtzgyFUiLz8m44PGWrbDSdTWv8kos5hbGyPVoZdCPTHhUWNwHkYofAqnoLSLLIuLOvS0QVTUxjpo7GcGF33uo5zw5V8uMSikDPp-HdlHm0-K7D-bu95waZGtN_x5mCfd65Am_a5ASPhYQ.png) Prepare for grocery shopping before you go to the store and prepare for making meals this week before the week starts. This will help you eat at home on a regular basis and keep you from overspending while out at the store. ### Tip 12: Pack a Lunch for Work or School We all need to eat during the school or workday. Save money while taking better care of yourself by packing healthy meals instead of eating out during your lunch break. ### Tip 13: Switch to Cheaper Generic Brands ![switch to cheaper generic brands](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/6373d4c0bf48fe71ab8855d3_6uqJKJ7bcexkMLPY7Xqb2hwy9um7Sx6U67E7rZnZY-9ORycdE2-Aco7aQ0sp8chUUg2G6mMu7exAt3WcvgUH85U3vqgSw3gMBfdH687zny11cL2TVUfhwEjtjQx987GTfrNkDmsjYssoYvR-zWW2pi9kVnmFT-KKwIvVgDj7JOiyX7bY8HvqZRI4bXZG98f6sh3wwIzzEg.png) Brands tend to come with a price tag of their own. Choose wisely and avoid paying extra simply for a name brand. ### Tip 14: Plan Free Activities When it's time to have fun choose activities that don't involve your wallet. Plan a staycation, go hiking, plan a camping trip, play games, or watch the movies you already have at home. ### Tip 15: Save on Transportation ![bike icon](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/6373d4c068657b7dd8da1f3a_uh4XjhYco-V-Baiy3nFXjc57aC0R_jIs82rHlWRlFrdgM5HR0TcxLJZIbbfN2suCDRtEmgqIxgM3HJT76TZyda3RBfyIo_zku_dHZNoGEM_xSR7MA0YYN0RwOCfXkbyT6B7fFDdVCtvAXjuwRFqOVwG4PQzveBDYIq6phnBVRtmXsw3ET8joKxZf5V29g2oqRu6SzdMlrg.png) Save your wallet while helping save the planet\! Use public transportation, walk, ride your bike, or carpool to save on gas costs. ### Tip 16: Reduce Utility Bills Spend less on your utility bill and electric bill by using less power each day. Run less water, keep the AC off on nice days, and turn lights off when not in the room. Another way to save on utility bills is to avoid late fees by automatically transferring bill payments each month. ### Tip 17: Invest in Reusable Products ![tupperware](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/6373d4c0417fa932a14e7365_VXBRZFK8-dLjo1zC0Jm4rud40D8QlgjV3mXBmCdcvfjPlxWibnswMDMtHDSXZG_d2LaNVG1es0s1YXi-VA1KkYsVj-1cYoauHYzRDpo92TrK37OFebM1UAsqmMkIkyFw9R-TZbwZo_M3pzAfwvngMtzsnTcNEVfKXEHN-l2ITTa5tEAObrQqqnjh24bumeR_zPEq7A_UMQ.png) Reusable products can save you lots of money in the long term. For example, buy cloth towels instead of rebuying paper towels or get reusable tupperware and ziplock bags instead of rebuying plastic wrap and plastic ziplock bags. ### Tip 18: Build an Emergency Fund An emergency fund will save you money in the future when a financial emergency arises, and you are already prepared with the family savings you've set aside just for emergencies. ### Tip 19: Create a Better Budget ![cash envelope budget](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/69c32844db25f4fd46c709f8_6373d5add544ebd69d1986a6_CashEnvel_SaM_1026.png) If the budget you have now isn't working then it might be time to throw that budget away and try something new. One thing you might try is the [cash envelope system](https://www.checkcity.com/personal-finance/what-is-a-cash-envelopes-system "cash envelope system"), or a simple budgeting app to help manage and track how you spend money. Participating in a [savings challenge](https://www.checkcity.com/personal-finance/saving-challenges "savings challenge") is a way to save money and have fun while doing it. ### Tip 20: Use Prepaid Cards Do you want to know how to save money fast? Set hard limits on spending by getting a [reloadable prepaid card](https://www.checkcity.com/prepaid-cards "reloadable prepaid card"). These cards are easy to use and they won't let you overdraft or spend more than what you've put on the card to be spent. #### Control Your Spending with [Netspend Cards.](https://www.checkcity.com/netspend-cards "Netspend Cards.") ## Save Money with a Savings Plan An efficient savings plan is all about learning how to spend less and figuring out ways to earn more. With these how-to-save-money tips, you'll end up with more money on your side each month and more [financial freedom](https://www.checkcity.com/personal-finance/financial-freedom "financial freedom") because of it. If you use online banking with a bank account, make sure you have a savings account so you can start to save each month and reach your savings goals. This content is for informational purposes only and does not constitute financial or legal advice. Loan products, terms, amounts, rates, fees, and funding times may vary by state and applicant qualifications. All loans are subject to approval and verification under applicable law. Check City is a licensed lender in each state where it operates. Loans are intended for short-term financial needs only. Please borrow responsibly. #### Article Sources Start your Application Thank you! Your submission has been received\! Oops! Something went wrong while submitting the form. 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Readable Markdown	Everyone wants to learn how to save money, but it's not always easy to do. Learn some of the best ways to save money with these easy tips. Generally, when we think about how to save money, we think about all the sacrifices we need to make, like no more morning coffee, no more eating out, or biking to work in the rain to save on gas money. But learning how to save money is more dynamic than the typical financial sacrifices we think about. There is so much more you can do when learning how to save money than simply depriving yourself of a simple item like morning coffee. ## The 3 Best Ways to Save Money To learn how to save money, you need to know the 3 best ways to save money: 1. Make more money 2. Spend less money 3. Make a solid savings plan Use the personal money savings plan worksheet below to help you make personal money savings plans and savings goals. Savings goals can include anything like, saving for retirement, saving up for a new car, or saving up an [emergency fund](https://www.checkcity.com/personal-finance/emergency-fund "emergency fund"). It’s up to you\! Fill out the worksheet after reading over our tips to save and start saving money today\! ![savings plan worksheet](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/636d5ecc1c195527d5f0b233_45ZMmIGBxgj12LoDnW35Ma96Sb0YKsTbevgzMQSvgPf46q38lANFJnOW300eh21iGch2oZVNjb2HBR7WBlc2hrMZml2nuleLz2jvLreGYkhRorICjy_1OFgph1Jyu3xweqgIDeG8_e8sKeh1QF5sGKYKoYsM3xFEu3DKkjtuiJW1iZEAKGmylcdVEqb0FMXI53hjP9q2jA.png) [Download a Savings Plan Worksheet](https://cdn.prod.website-files.com/6000891868c08ec6ed8651e4/637551402f6a3d66be8d8a97_SavePlan.pdf "Download a Savings Plan Worksheet"). ## Save Money by Making More Money: 5 Money Savings Tips ![save money by making more money](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/6373d4bffd881e809dedf896_hcIrcI4Cp8TbO24OiLmZiLDltqRadds63oEEPKu91bL0iQGTNZbHDKXftt2vkDuRTWbzFne8ooXyx9C9oP1snuqiQkXMIgv1TjE7AykDVe1p-SYDYUqSlMmpxVsLvWtLE79P1JXyxA_seNw-nD1QPx3lT9ECSaVPrUYLfwgkyfeB5p76f1EG1QoQC0cB_gmK-es5JCwcEA.png) When you make more money, you can save money more\! By increasing your income you'll be adding to the amount of money you have available each month. ### Tip 1: Ask for a Raise ![ask for a raise](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/6373d4c0eee14e66bbccfd6e_rTy_Tg9xmpzgalYs97y9TOgnFMQr5aPLvwi2ClDl5WyUz-Cd_NJZrTg9N06Xa63b82rifiV9JyjURoB_JQ-jRpH2mg0e5NtS-XKPTYS6geLYMqenrDoKo_K_rhXzNF8E5uROpf_YH3iGKzZvRf_8rPb4Mi8rg2ES_zOBdh0OTQk2CqTRRxq54JZtbqVREhQnY-zxxjVILA.png) Save money by asking for a raise and making more money. Asking for a raise can be intimidating. Try setting up a meeting with your boss to discuss the raise. Then practice your talking points beforehand with a friend or in front of a mirror. ### Tip 2: Find a Better-Paying Job Save money by making more money at a better-paying job. If you can't get a raise at your current job, it might be worth it to find a better-paying job. Changing jobs can be hectic, but well worth it if the better pay helps you make and save money. ### Tip 3: Sell Your Stuff ![yard sale](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/6373d4bfa27d4634031fba1c_YTIi_VldF6c4QDcwPY350Vm5dBMqiwO_NwB2hdMpqGhFnEZoHZavr2pTl6pDZJ3Y6KXZCOiM3PbQ8xvHr53xf1qMxhub_PIk9_C762R0_Q1kkt53Hetgd3Lx7wGUx4J5zm1RZxsGSuqbGEvu0AYW5jVPtmHRK0qPY_az8UXAl4WWrKCHLo1MDn55jVtPn1X79gyZZV06ww.png) If you have things in your house you want to get rid of, make good use of them by selling them. You could have a [yard sale](https://www.checkcity.com/get-involved/2021-virtual-yard-sale "yard sale") or use an online service like the Facebook marketplace. You could also [sell any gold](https://www.checkcity.com/cash-for-gold/how-to-sell-gold "sell any gold") or jewelry that you no loner have use for. ### Tip 4: Set Up Passive Income Passive income is the type of earnings people get from things like owning rental properties or shares in a company or business partnership. You could invest in rental property, invest in a business, or become a partner in a business venture to start earning passive income. ### Tip 5: Grow a Garden and Sell the Produce ![grow a garden](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/636d5ecc637330765eefc9b9_yyEoR2Ra8mvmE-PReOu9FUBd6nWnWwJ9tUhW3EI6cy3A6q15YEl7yPfXQoOGqXYBGfm6tgbgNrSun0nUYemO24JCtab5mrLECf0jybMzL8o7F_X_MOVDchHZf65xWbpH8LwaIn-6CPYjhHx2lN7QP-Gt7L7IIbBf0bWuX5B8qVhNf3rw2Jeisggw-V6ZnFaUXZjnhRXH9g.png) By growing your own produce garden, you can both make and save money. Depending on how big your garden is, you can sell your garden produce to friends and neighbors. ## Save Money by Spending Less: 15 Money Savings Tips Save money when you spend less money. By decreasing your spending you'll also increase your monthly income. Then, you'll have more money to put toward [getting rid of debts](https://www.checkcity.com/personal-finance/how-to-get-out-of-debt "getting rid of debts") like loans and credit card debts, and building your savings and emergency funds. ### Tip 6: Cancel Subscriptions Save money by canceling subscriptions you don't really need or use. Subscriptions can add up to a lot if you aren't careful. End as many subscriptions as you can to save that monthly fee for yourself. ### Tip 7: Join Family or Group Subscription Plans ![family subscription](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/6373d4c077eebe1e373d2fd3_3IhNAJo7E8fmil1b7zUblSC5CJY-h5r_UWGnoECvs7jNMHovdaQAqOWqI-QPfNzaXk8rhnkRuob80827Qjm4BP65Xi8JoEvVlDQsJKOKyVjvwESdtMiH8vqIrILNKTP7jptuu7ji7udsS59Pyxz1oSFpTynMF7fELvMns1E3LnJxa5GOOwMBaKoWsx8p2C927VZMqOl6hw.png) Don't want to say goodbye to that subscription? That's ok\! Another thing you can try is starting a family plan with friends and family to split the cost of the subscription. ### Tip 8: Cancel Memberships Some memberships can be really useful, like a membership to Costco where you can buy in bulk and save more in the long term, or a membership to a gym where you can work out and stay healthy. But if you can, cancel your memberships and find free or cheaper alternatives, like a cheaper gym or running in your neighborhood instead. ### Tip 9: Switch to a Cheaper Phone Plan ![switch to a cheaper phone plan](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/6373d4c077eebe4cdc3d2ff6_cQNd4XvG3ncEbfItF08qXm6m3ssszlXHYcoCi4ywkRf98YmHGfX3VG2u12BgFDlFmZxTuNmmQiVfdh0OKKzOoxpL_ljtuzQjL5GJx-OncWgHk_4odj5lw3DAGlKki-FmI_5bLK9MWV0l4ZhnaTb0prB-k3ZS2OvUWpx1e46iW2OTIiATsUifrO2CAjWYJcCAA22FD0wxHg.png) Phone bills can get really expensive, especially when they include paying off expensive new phones. While it's really nice to have a great phone and a great phone plan, there might be cheaper options out there for you to take advantage of. ### Tip 10: Eat at Home Eating out is usually more expensive than eating at home. By baking and cooking at home you can save more money and potentially eat healthier and more wholesome meals. ### Tip 11: Meal and Grocery Plan ![grocery shopping](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/6373d4c0042ec07f62a659f9_4yWe6zjkKZF-XNT5Hys-NNX_Bq3yeLtqx5rzp31fHBp41sZg9RM5WSCFdu9uImtzgyFUiLz8m44PGWrbDSdTWv8kos5hbGyPVoZdCPTHhUWNwHkYofAqnoLSLLIuLOvS0QVTUxjpo7GcGF33uo5zw5V8uMSikDPp-HdlHm0-K7D-bu95waZGtN_x5mCfd65Am_a5ASPhYQ.png) Prepare for grocery shopping before you go to the store and prepare for making meals this week before the week starts. This will help you eat at home on a regular basis and keep you from overspending while out at the store. ### Tip 12: Pack a Lunch for Work or School We all need to eat during the school or workday. Save money while taking better care of yourself by packing healthy meals instead of eating out during your lunch break. ### Tip 13: Switch to Cheaper Generic Brands ![switch to cheaper generic brands](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/6373d4c0bf48fe71ab8855d3_6uqJKJ7bcexkMLPY7Xqb2hwy9um7Sx6U67E7rZnZY-9ORycdE2-Aco7aQ0sp8chUUg2G6mMu7exAt3WcvgUH85U3vqgSw3gMBfdH687zny11cL2TVUfhwEjtjQx987GTfrNkDmsjYssoYvR-zWW2pi9kVnmFT-KKwIvVgDj7JOiyX7bY8HvqZRI4bXZG98f6sh3wwIzzEg.png) Brands tend to come with a price tag of their own. Choose wisely and avoid paying extra simply for a name brand. ### Tip 14: Plan Free Activities When it's time to have fun choose activities that don't involve your wallet. Plan a staycation, go hiking, plan a camping trip, play games, or watch the movies you already have at home. ### Tip 15: Save on Transportation ![bike icon](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/6373d4c068657b7dd8da1f3a_uh4XjhYco-V-Baiy3nFXjc57aC0R_jIs82rHlWRlFrdgM5HR0TcxLJZIbbfN2suCDRtEmgqIxgM3HJT76TZyda3RBfyIo_zku_dHZNoGEM_xSR7MA0YYN0RwOCfXkbyT6B7fFDdVCtvAXjuwRFqOVwG4PQzveBDYIq6phnBVRtmXsw3ET8joKxZf5V29g2oqRu6SzdMlrg.png) Save your wallet while helping save the planet\! Use public transportation, walk, ride your bike, or carpool to save on gas costs. ### Tip 16: Reduce Utility Bills Spend less on your utility bill and electric bill by using less power each day. Run less water, keep the AC off on nice days, and turn lights off when not in the room. Another way to save on utility bills is to avoid late fees by automatically transferring bill payments each month. ### Tip 17: Invest in Reusable Products ![tupperware](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/6373d4c0417fa932a14e7365_VXBRZFK8-dLjo1zC0Jm4rud40D8QlgjV3mXBmCdcvfjPlxWibnswMDMtHDSXZG_d2LaNVG1es0s1YXi-VA1KkYsVj-1cYoauHYzRDpo92TrK37OFebM1UAsqmMkIkyFw9R-TZbwZo_M3pzAfwvngMtzsnTcNEVfKXEHN-l2ITTa5tEAObrQqqnjh24bumeR_zPEq7A_UMQ.png) Reusable products can save you lots of money in the long term. For example, buy cloth towels instead of rebuying paper towels or get reusable tupperware and ziplock bags instead of rebuying plastic wrap and plastic ziplock bags. ### Tip 18: Build an Emergency Fund An emergency fund will save you money in the future when a financial emergency arises, and you are already prepared with the family savings you've set aside just for emergencies. ### Tip 19: Create a Better Budget ![cash envelope budget](https://cdn.prod.website-files.com/600089199ba28edd49ed9587/69c32844db25f4fd46c709f8_6373d5add544ebd69d1986a6_CashEnvel_SaM_1026.png) If the budget you have now isn't working then it might be time to throw that budget away and try something new. One thing you might try is the [cash envelope system](https://www.checkcity.com/personal-finance/what-is-a-cash-envelopes-system "cash envelope system"), or a simple budgeting app to help manage and track how you spend money. Participating in a [savings challenge](https://www.checkcity.com/personal-finance/saving-challenges "savings challenge") is a way to save money and have fun while doing it. ### Tip 20: Use Prepaid Cards Do you want to know how to save money fast? Set hard limits on spending by getting a [reloadable prepaid card](https://www.checkcity.com/prepaid-cards "reloadable prepaid card"). These cards are easy to use and they won't let you overdraft or spend more than what you've put on the card to be spent. ## Save Money with a Savings Plan An efficient savings plan is all about learning how to spend less and figuring out ways to earn more. With these how-to-save-money tips, you'll end up with more money on your side each month and more [financial freedom](https://www.checkcity.com/personal-finance/financial-freedom "financial freedom") because of it. If you use online banking with a bank account, make sure you have a savings account so you can start to save each month and reach your savings goals. This content is for informational purposes only and does not constitute financial or legal advice. Loan products, terms, amounts, rates, fees, and funding times may vary by state and applicant qualifications. All loans are subject to approval and verification under applicable law. Check City is a licensed lender in each state where it operates. Loans are intended for short-term financial needs only. Please borrow responsibly.
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