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Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 3 (from laksa046)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa003.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.experian.com/blogs/ask-experian/how-to-save-money/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.experian.com/blogs/ask-experian/how-to-save-money/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/","crawl_time":1775809402,"first_indexed_time":1571767390,"http_code":200,"src_unparsed":"com,experian!www,\/blogs\/ask-experian\/how-to-save-money\/ s443","src_root_hash":"17510677425881133803","history_drop_reason":null,"meta_title":"26 Ways to Save Money","meta_descriptions":["You can save money by following these tips, including tracking your expenses, canceling subscriptions and cutting utility usage."],"attrs_boilerpipe_text":"Whether you're aiming for a solid emergency fund or a secure retirement, achieving your financial goals starts with a smart approach to saving. Fortunately, saving money can be easier than you may think. Put aside just $13.70 per day, and at the end of the year you'll have $5,000; double that to $27.39 daily and you'll have $10,000 by year-end—and that doesn't include the interest you may earn.\nYou can save money by making a budget, automating savings, reducing discretionary spending and seeking discounts. Here are 26 ways to save money.\nSet a goal\nTrack expenses\nMake a budget\nAutomate savings\nCancel unused subscriptions\nBuy generic brands\nLook for discounts and coupons\nJoin a buy nothing group\nShut down impulse spending\nPause before you purchase\nCut utility usage\nTry a savings challenge\nPay down debt\nConsolidate debt\nReduce restaurant spending\nLearn to DIY\nCut you cable, phone and internet bills\nUse a rewards credit card\nShop around for insurance savings\nFind inexpensive ways to treat yourself\nBuddy up\nEarn more money\nCut your transportation costs\nTrim your housing expenses\nFind free or low-cost fun\nSwap with friends and family\n1. Set a Goal\nHaving a goal to work toward will help you determine how much to save—and help you\nstay motivated\nto stick to your savings plan. For example, you might want to save up for a vacation or a down payment on a new car. Maybe you'd like to build an\nemergency fund\nso you can stop relying on credit cards for unexpected expenses. Figure out when you want to achieve your goal and how much you'll need to save each month to do so.\n2. Track Expenses\nTracking your spending for a month or so can be eye-opening and may reveal easy ways to save. You can\ntrack your expenses\nusing paper and pencil, a spreadsheet on your computer or the note-taking app on your phone.\nSome banks offer expense-tracking apps. You can also download an expense tracker app such as Dollarbird, Fudget or GoodBudget. Many expense-tracking apps include budgeting features too.\n3. Make a Budget\nFollowing a budget\nhelps ensure your monthly spending doesn't exceed your income. To make a budget, determine your monthly income after taxes, as well as your monthly\nfixed and variable expenses\n. Also include things like property taxes, car maintenance, holiday gifts and other quarterly or annual expenses.\nThere are plenty of ways to budget. The\n50\/30\/20 budgeting method\nis a popular option in which 50% of your after-tax income goes to necessities, 30% goes to discretionary spending and 20% goes to savings or paying off debt. If you want to account for every dollar, you can try\nzero-based budgeting\n.\nYou can also consider budgeting apps\nsuch as PocketGuard, You Need a Budget or HoneyDue to help you stick to your budget.\nLearn more:\nTypes of Budget Plans to Know About\n4. Automate Savings\nSimplify savings by setting up\nautomatic transfers\ninto your savings account each time you get paid. You can typically do this through your employer or by using your bank's mobile app or website. You may even have the option to\nsplit your savings\ninto multiple savings accounts—for example, one account for your emergency fund and another for your upcoming honeymoon.\nGrow your savings faster by choosing a\nhigh-yield savings account\n, which typically offers interest earnings significantly higher than those of standard savings accounts.\nEarn Money Faster\nCompare high-yield savings accounts\nFind a high-yield savings account with today’s APY. Compare current APY and offers to find the best savings account for you.\n5. Cancel Unused Subscriptions\nCheck your bank and credit card statements each month for recurring subscriptions or memberships, such as streaming services, gym memberships, newspapers or apps. Save money by canceling those you no longer use.\nLearn more:\nHow to Manage Your Monthly Subscriptions\n6. Buy Generic Brands\nOpting for generic versions of groceries, household items and prescription and non-prescription medications can save you a lot of money. Ask your doctor to prescribe generic versions of your medications whenever possible. Compare ingredients of brand-name and generic over-the-counter medications.\n7. Look for Discounts and Coupons\nFrom restaurants and retailers to supermarkets, gas stations and airlines, just about every business offers rewards programs these days. Joining, which typically involves downloading an app, can give you access to discounts and deals. You can also find discounts by searching online for digital\ncoupon codes\nbefore making a purchase. Don't buy just because there's a discount, though. Shop intentionally, seeking discounts only for things you plan to buy anyway.\n8. Join a Buy Nothing Group\n\"\nBuy nothing\" groups\ncan help you save money and prevent waste. Join a group such as Buy Nothing or The Freecycle Network to post items you no longer need, search for items neighbors are giving away or request something you want. Giveaways can range from dog food and baby clothes to sporting goods and furniture. You can also find buy nothing groups on social media.\n9. Shut Down Impulse Spending\nWhen you're bombarded with marketing messages all day long, your willpower can easily weaken. To nip\nimpulsive shopping\nin the bud, unsubscribe from marketing emails and text alerts; unfollow brands on social media; stop reading blogs or publications that spur you to spend and delete shopping apps from your phone.\nLearn more:\nHow to Stop Impulse Spending\n10. Pause Before You Purchase\nMaking it more difficult to make a purchase can help you\nstick to a budget\n. Delete your payment card information from shopping websites so you can't just click to buy. Set a rule that you must wait a certain amount of time, such as 72 hours or one week, before making a discretionary purchase. In most cases, once your time limit expires, you'll find you don't want the item anymore.\n11. Cut Utility Usage\nLook for ways to lower your\nwater\n,\ngas and electricity\nbills. For example, take shorter showers, install water-saving plumbing fixtures or cut back on watering your lawn. Turn off lights and electronics when not in use. In summer, cool your home with ceiling fans and room-darkening curtains and set your thermostat at 78 degrees to minimize air conditioning use. In cold weather, seal cracks to eliminate drafts; set your thermostat at 68 degrees and dress warmly.\n12. Try a Savings Challenge\nMake a game of saving money by taking a\nsavings challenge\n. Here are a few to try:\n52-week challenge\n:\nPut $1 in savings the first week, $2 the second week, $3 the third week and so on.\nRound-up challenge:\nRound up every purchase to the nearest dollar and put the difference in savings. For instance, if you buy something for $25.15, round up to $26 and put 85 cents in savings. Some banks or credit unions let you automatically round up purchases made with your debit card and deposit the savings into your savings account.\nNo-spend challenge\n:\nEliminate all nonessential spending for a certain time—say, one weekend or one month. You can customize your challenge to cut back on \"problem spending\" areas, such as eating out or buying clothes.\n13. Pay Down Debt\nWith the average credit card\nannual percentage rate (APR)\nat 22.76% as of May 2024, according to the Federal Deposit Insurance Corp. (FDIC), carrying a balance on your credit card can cost you hundreds of dollars of interest per month. Make a plan to pay down\nhigh-interest debt\nso you can put that money toward savings instead. Depending on your budget and needs, consider the\ndebt avalanche or debt snowball\nstrategies.\nLearn more:\nHow to Get Out of Debt\n14. Consolidate Debt\nConsolidating high-interest debt can help make your payments more manageable so you can\npay off debt\nfaster and save on interest. Look for a\ndebt consolidation loan\nat a lower interest rate than your outstanding debt and use the loan proceeds to pay off your balances. As of May 2024, the average APR on a personal loan was 11.92%—significantly lower than the average credit card APR.\nYou can also consolidate debt with a\nbalance transfer credit card\nthat offers an introductory 0% APR. Transfer your outstanding balances to the card and they won't accrue interest until the promotional 0% APR ends. This can give you time to pay off the balance without incurring additional interest.\nLearn more:\nHow to Consolidate Debt\n15. Reduce Restaurant Spending\nEating at restaurants, buying lunch at work or frequently ordering takeout takes a big bite out of your budget. Instead, save money by cooking and eating at home. If you can't bear to stop dining out altogether, reserve restaurant meals for special occasions. You can also trim your restaurant bill by going for lunch or happy hour, drinking water instead of pricey beverages or ordering appetizers instead of a main course.\n16. Learn to DIY\nHiring experts to hem your pants, cut your kid's hair, change your car's oil or fix a leaky faucet gets expensive fast. Cut costs by finding a how-to video or product manual online and learning how to do it yourself.\nIf you prefer hands-on instruction, check offerings from local home improvement stores, garden centers, fabric stores or city recreation departments. For example, many home improvement retailers hold free workshops on topics like painting walls or installing tile.\n17. Cut Your Cable, Phone and Internet Bills\nSave on\ncable, phone and internet services\nby exploring alternatives such as switching your plan to a lower-priced option. You might be able to bundle services or downgrade your plan, for example. Cellular service providers often offer discounts if you choose a family and friends plan. You might save on cable TV by cutting the cord and changing to streaming, or reduce internet prices by settling for lower speeds.\nWhen in doubt, contact your provider and see what they can do to lower your bill, or sign up for\nExperian BillFixer™\nand let someone else do the hard work for you.\n18. Use a Rewards Credit Card\nCash back credit cards\ncan help you get cash back for purchases you'd make anyway. To maximize savings without overspending, look for a\ncredit card\nthat rewards you for essential purchases, such as groceries or\ngasoline\n. To avoid incurring interest that would probably surpass any rewards you earn, always pay the balance in full before your credit card's\ngrace period\nis up.\n19. Shop Around for Insurance Savings\nIt can be tempting to \"set and forget\" your auto or\nhomeowners insurance\n—but that could be a costly mistake.\nShop for insurance\nonce a year or so, and you may find equivalent or better coverage at a lower cost. Rate-shop fast by using an\ninsurance comparison site\nlike Experian's, which delivers quotes from over 40 top car insurance companies in minutes.\n20. Find Inexpensive Ways to Treat Yourself\nAvoid budget burnout\nby giving yourself small rewards for sticking to your savings plan. Put 50 cents or $1 in a jar every day you follow your budget and use it to treat yourself at the end of the month. Look for lower-cost versions of your favorite activities. Instead of a $40 manicure, for instance, buy a $10 bottle of polish and do your nails at home. If you've eliminated daily lattes, let yourself savor one at the end of the month.\n21. Buddy Up\nHolding yourself accountable can help you stick to your budget. Ask a friend to join you as an\naccountability partner\nand keep you on track. You can also use an\naccountability app\nlike BeeMinder or Fabulous to track and support healthy savings habits. Look for social media influencers whose personal financial advice inspires you—just be sure to vet their advice before making drastic changes.\n22. Earn More Money\nReach your savings goals faster by\nmaking more money\n. Request extra hours at work, apply for a promotion or better-paying job, or ask your boss for a raise. If your schedule allows, consider getting a part-time job or starting a\nside hustle\n. There are plenty of options, including tutoring, childcare, walking dogs, delivering food, rideshare driving, selling things online and more.\n23. Cut Your Transportation Costs\nCan you work from home a few days a week, or commute via public transportation, carpooling, bicycling, walking or ride-sharing? If so, you could save hundreds of dollars per month compared to driving your car. Some employers even offer stipends or reimbursements for employees who choose\ngreener transportation\noptions. If these options won't work for your\ndaily commute\n, perhaps you can walk, bike or ride a bus to appointments or errands. Driving fewer miles per year could qualify you for\nlow-mileage car insurance\ndiscounts too.\n24. Trim Your Housing Expenses\nWhether you rent or own, housing is most people's biggest expense. You may be able to reduce the cost of housing by taking in a roommate or renting out a room in your home. It's sometimes possible to negotiate your lease terms to\nlower your rent\n.\nDownsizing your home could reduce not only your mortgage, but also the cost of utilities, home insurance and maintenance. Just be sure to consider moving costs, real estate agent fees and potential tax implications.\nLearn more:\nFinancial Pros and Cons of Downsizing Your Home\n25. Find Free or Low-Cost Fun\nKeep saving from being boring by searching out free or inexpensive activities. Go for a hike, take a picnic to the park or visit the community pool. Check out\nfun activities\nyour local library has to offer, such as movie rentals, children's story hours and crafts classes. Museums, zoos and other institutions typically have free or discounted entry one day per month or one evening per week.\n26. Swap With Friends and Family\nGet more without spending more by sharing with friends and family instead of buying things. Organize a regular swap where neighbors share items they're willing to lend out or give away. Toys, games, books, clothing, gardening equipment, household items, sporting goods or tools are all fair game. You can either keep what you take or bring items back to the next swap for someone else to use.\nFrequently Asked Questions\nTo figure out\nhow much to save each month\n, determine your savings goals, such as buying a home or building an emergency fund. The 50\/30\/20 budgeting method is a simple approach that allocates 20% of your take-home income to savings and paying off debt. If money is very tight, try saving just $10 or $20 per pay period; it all adds up.\nHere are some ways to speed up savings:\nPut any\nwindfalls\n, such as a bonus at work, tax refund or cash gift, into savings.\nKeep your savings in a\nhigh-yield savings account\nto help it grow faster.\nDo a no-spend challenge, limiting your spending to necessities for a month or longer.\nGet a part-time job or start a side hustle such as freelancing, rideshare driving or babysitting, to earn more money for savings.\nThere's no single best way to save money. However, most people find that setting savings goals, automating savings, reducing discretionary spending, tracking expenses and setting a realistic budget are key to success.\nIt's also important to stay motivated and reward yourself for saving. Review the 26 ideas above to see which ones make sense for you and try a combination of the tips to see what works best.\nThe Bottom Line\nAnother way to save money: Maintain a\ngood credit score\n. Good credit can help you qualify for lower interest rates on credit cards and loans, reducing the cost of borrowing money. You can check your\ncredit score and credit report\nfor free to see where you stand. If your credit score isn't where you want it, paying down debt, keeping credit utilization low and paying your bills on time can help\nimprove it\n, which could make it easier to reach your savings goals.","attrs_markdown":"![](https:\/\/www.facebook.com\/tr?id=355957545132271&ev=PageView&noscript=1)\n\nYou are using an unsupported browser. 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[What are the latest scams?](https:\/\/www.experian.com\/blogs\/ask-experian\/the-latest-scams-you-need-to-aware-of\/)\n  \n  Identity theft and fraud\n  \n  - [How to check for identity theft](https:\/\/www.experian.com\/blogs\/ask-experian\/how-do-you-check-for-identity-theft\/)\n  - [What if your Social Security number is stolen?](https:\/\/www.experian.com\/blogs\/ask-experian\/3-steps-to-take-if-your-social-security-number-has-been-stolen\/)\n  - [How to avoid identity theft](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/preventing-fraud\/)\n  - [Types of identity theft](https:\/\/www.experian.com\/blogs\/ask-experian\/20-types-of-identity-theft-and-fraud\/)\n  - [How to protect your identity](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-protect-yourself-from-identity-theft\/)\n  - [What is a fraud alert?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-fraud-alert\/)\n  - [Do fraud alerts expire?](https:\/\/www.experian.com\/blogs\/ask-experian\/do-fraud-alerts-expire\/)\n  \n  Cybersecurity\n  \n  - [What is the dark web?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-the-dark-web\/)\n  - [What is dark web monitoring?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-dark-web-monitoring\/)\n  - [What to do about a data breach](https:\/\/www.experian.com\/blogs\/ask-experian\/data-breach-five-things-to-do-after-your-information-has-been-stolen\/)\n  - [Protect your information from the dark web](https:\/\/www.experian.com\/blogs\/ask-experian\/what-to-do-if-information-is-found-on-dark-web\/)\n  - [Tips for victims of credit card fraud](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/preventing-fraud\/credit-card-fraud-what-to-do-if-you-are-a-victim\/)\n  - [What is a VPN?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-vpn\/)\n  \n  Privacy\n  \n  - [How to protect your info online](https:\/\/www.experian.com\/blogs\/ask-experian\/how-do-you-protect-your-personal-information-online\/)\n  - [Remove your info from people search sites](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-remove-your-information-from-people-search-sites\/)\n  - [How to get off robocall lists](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-remove-your-name-from-robocall-lists\/)\n  - [Social media safety tips](https:\/\/www.experian.com\/blogs\/ask-experian\/9-ways-to-stay-safe-on-social-media\/)\n  - [Identity thieves and your personal info](https:\/\/www.experian.com\/blogs\/ask-experian\/what-can-identity-thieves-do-with-your-personal-information-and-how-can-you-protect-yourself\/)\n  - [How to keep your SSN safe](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-keep-social-security-number-safe\/)\n- Money\n  \n  Money\n  \n  - [Manage your expenses](https:\/\/www.experian.com\/money\/manage-bills-subscriptions\/)\n    \n    Save on your monthly bills and cancel unwanted subscriptions\n  - [Digital savings account](https:\/\/www.experian.com\/money\/experian-digital-savings\/)\n    \n    Discover a smarter way to grow your savings\n  - [Digital checking account](https:\/\/www.experian.com\/money\/experian-smart-money\/)\n    \n    Check out a digital checking account with no monthly fees\n  \n  ###### Money advice\n  Most popular\n  \n  - [Best high-yield savings accounts](https:\/\/www.experian.com\/blogs\/ask-experian\/best-high-yield-savings-accounts\/)\n  - [Best CD rates](https:\/\/www.experian.com\/blogs\/ask-experian\/best-cd-rates\/)\n  - [Best money market accounts](https:\/\/www.experian.com\/blogs\/ask-experian\/best-money-market-accounts\/)\n  - [Challenges to help you save money](https:\/\/www.experian.com\/blogs\/ask-experian\/savings-challenges-to-try-this-year\/)\n  - [Can you deposit money at any ATM?](https:\/\/www.experian.com\/blogs\/ask-experian\/can-you-deposit-money-at-any-atm\/)\n  - [Savings accounts that pay high interest](https:\/\/www.experian.com\/blogs\/ask-experian\/which-type-of-savings-account-pays-highest-interest-rate\/)\n  - [Opening a high-yield savings account](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-open-high-yield-savings-account\/)\n  - [Pros and cons of high-yield savings](https:\/\/www.experian.com\/blogs\/ask-experian\/pros-cons-high-yield-savings-account\/)\n  \n  Save money on bills\n  \n  - [Tips for spending money wisely](https:\/\/www.experian.com\/blogs\/ask-experian\/tips-for-spending-money-wisely\/)\n  - [How to make a budget](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-make-a-budget\/)\n  - [Ways to reduce expenses](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-reduce-expenses\/)\n  - [Ways to plan for unexpected expenses](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-plan-for-unexpected-expenses\/)\n  - [What is an emergency fund?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-an-emergency-fund\/)\n  - [Ways to save money](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/)\n  - [What is a budget?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-budget\/)\n  - [Why is budgeting important?](https:\/\/www.experian.com\/blogs\/ask-experian\/why-is-budgeting-important\/)\n  \n  Digital savings account\n  \n  - [Current average savings interest rates](https:\/\/www.experian.com\/blogs\/ask-experian\/average-savings-account-rates\/)\n  - [Benefits of having a savings account](https:\/\/www.experian.com\/blogs\/ask-experian\/benefits-of-savings-account\/)\n  - [Types of savings accounts](https:\/\/www.experian.com\/blogs\/ask-experian\/types-of-savings-accounts\/)\n  - [Ways to earn more money on your savings](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-earn-extra-money-on-your-savings\/)\n  - [Is savings account interest taxable?](https:\/\/www.experian.com\/blogs\/ask-experian\/do-you-get-taxed-on-your-savings-account\/)\n  - [Average savings by age](https:\/\/www.experian.com\/blogs\/ask-experian\/average-savings-by-age\/)\n  - [How many savings accounts should I have?](https:\/\/www.experian.com\/blogs\/ask-experian\/how-many-savings-accounts-can-you-have\/)\n  - [Savings calculator](https:\/\/www.experian.com\/blogs\/ask-experian\/savings-calculator\/)\n  \n  Digital checking account\n  \n  - [What is Experian Smart Money?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-experian-smart-money\/)\n  - [How do bank account bonuses work?](https:\/\/www.experian.com\/blogs\/ask-experian\/how-do-bank-account-bonuses-work\/)\n  - [Why was I denied a checking account?](https:\/\/www.experian.com\/blogs\/ask-experian\/why-was-i-denied-a-checking-account\/)\n  - [What is a high-yield checking account?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-high-yield-checking-account\/)\n  - [Earn cash back with a debit card](https:\/\/www.experian.com\/blogs\/ask-experian\/debit-cards-that-offer-cash-back-rewards\/)\n  - [Pros and cons of premium checking](https:\/\/www.experian.com\/blogs\/ask-experian\/pros-cons-premium-checking-account\/)\n  - [Routing number vs. account number](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-the-difference-between-routing-and-account-numbers\/)\n  - [Why was my debit card declined?](https:\/\/www.experian.com\/blogs\/ask-experian\/why-is-debit-card-declining\/)\n- Credit Cards\n  \n  Credit Cards\n  \n  - [All credit card types](https:\/\/www.experian.com\/credit-cards\/)\n  - [Balance transfer](https:\/\/www.experian.com\/credit-cards\/best-balance-transfer\/)\n  - [Cash back](https:\/\/www.experian.com\/credit-cards\/best-cash-back\/)\n  - [For bad credit](https:\/\/www.experian.com\/credit-cards\/best-for-bad-credit\/)\n  - [Low interest](https:\/\/www.experian.com\/credit-cards\/best-low-interest\/)\n  - [Rewards](https:\/\/www.experian.com\/credit-cards\/best-rewards\/)\n  - [Secured](https:\/\/www.experian.com\/credit-cards\/best-secured\/)\n  \n  ###### Credit Card advice\n  Most popular\n  \n  - [How to pay off credit card debt](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/how-to-pay-off-credit-card-debt\/)\n  - [How many credit cards should I have?](https:\/\/www.experian.com\/blogs\/ask-experian\/how-many-credit-cards-should-i-have\/)\n  - [How to use credit cards](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-use-a-credit-card\/)\n  - [Which credit card should I get?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-credit-card-should-i-get\/)\n  - [What is an APR?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-apr\/)\n  - [Average credit card debt](https:\/\/www.experian.com\/blogs\/ask-experian\/state-of-credit-cards\/)\n  - [Credit card payoff calculator](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-card-payoff-calculator\/)\n  \n  Balance transfer\n  \n  - [How balance transfers work](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-balance-transfer-and-how-does-it-work\/)\n  - [How long does a balance transfer take?](https:\/\/www.experian.com\/blogs\/ask-experian\/how-long-does-a-credit-card-balance-transfer-take\/)\n  - [What are balance transfer credit cards?](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/balance-transfer-credit-cards\/)\n  - [What is a balance transfer?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-balance-transfer-and-how-does-it-work\/)\n  - [What is a credit utilization rate?](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/score-basics\/credit-utilization-rate\/)\n  \n  Cash back\n  \n  - [How cash back works](https:\/\/www.experian.com\/blogs\/ask-experian\/how-do-cash-back-credit-cards-work\/)\n  - [What is a credit card cash advance fee?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-credit-card-cash-advance-fee\/)\n  - [Cash back vs. points](https:\/\/www.experian.com\/blogs\/ask-experian\/cash-back-vs-points-which-rewards-credit-card-is-better\/)\n  \n  For bad credit\n  \n  - [Applying for a credit card with bad credit](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-apply-for-a-credit-card-with-bad-credit\/)\n  - [Balance transfer cards with bad credit](https:\/\/www.experian.com\/blogs\/ask-experian\/can-i-get-a-balance-transfer-card-with-bad-credit\/)\n  - [Getting a credit card after bankruptcy](https:\/\/www.experian.com\/blogs\/ask-experian\/can-i-get-a-credit-card-after-bankruptcy\/)\n  - [Easy store cards to get with bad credit](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-the-easiest-store-card-to-get-with-bad-credit\/)\n  \n  APR\n  \n  - [What is a good APR?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-good-apr-for-a-credit-card\/)\n  - [Lowering your credit card interest rate](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-lower-credit-card-interest-rate\/)\n  - [Fed interest rate impact on credit cards](https:\/\/www.experian.com\/blogs\/ask-experian\/how-do-fed-rate-cuts-impact-credit-cards\/)\n  - [How much available credit is best?](https:\/\/www.experian.com\/blogs\/ask-experian\/how-much-available-credit-should-i-have\/)\n  - [APR calculator](https:\/\/www.experian.com\/blogs\/ask-experian\/apr-calculator\/)\n  \n  Rewards\n  \n  - [How to choose a rewards credit card](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-choose-rewards-credit-card\/)\n  - [Are rewards credit cards worth it?](https:\/\/www.experian.com\/blogs\/ask-experian\/are-rewards-cards-worth-it\/)\n  - [What is a rewards credit card?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-rewards-credit-card\/)\n  - [Ways to redeem credit card rewards](https:\/\/www.experian.com\/blogs\/ask-experian\/best-ways-to-redeem-credit-card-rewards\/)\n  - [Credit score needed to get a rewards card](https:\/\/www.experian.com\/blogs\/ask-experian\/what-credit-score-do-you-need-to-get-a-rewards-card\/)\n  \n  New to credit\n  \n  - [What is a secured credit card?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-secured-credit-card\/)\n  - [How to use a secured credit card](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-use-a-secured-credit-card\/)\n  - [Secured vs. prepaid credit cards](https:\/\/www.experian.com\/blogs\/ask-experian\/secured-card-vs-prepaid-card\/)\n  - [How to get a secured credit card](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-get-a-secured-credit-card\/)\n  - [Secured credit card with no deposit](https:\/\/www.experian.com\/blogs\/ask-experian\/can-you-get-secured-card-with-no-deposit\/)\n  - [Can I get an unsecured credit card?](https:\/\/www.experian.com\/blogs\/ask-experian\/can-i-get-an-unsecured-credit-card-with-a-500-credit-score\/)\n- Loans\n  \n  Loans\n  \n  - [All loan types](https:\/\/www.experian.com\/loans\/)\n  - [Debt consolidation](https:\/\/www.experian.com\/loans\/debt-consolidation\/)\n  - [Personal](https:\/\/www.experian.com\/loans\/personal\/)\n  \n  ###### Loan types\n  - [Quick loans](https:\/\/www.experian.com\/loans\/personal\/quick-loans\/)\n  - [Emergency loans](https:\/\/www.experian.com\/loans\/personal\/emergency-loans\/)\n  - [Bad credit loans](https:\/\/www.experian.com\/loans\/personal\/bad-credit\/)\n  - [Unsecured loans](https:\/\/www.experian.com\/loans\/personal\/best-unsecured-loans\/)\n  - [Small loans](https:\/\/www.experian.com\/loans\/personal\/small-loans\/)\n  - [\\$5,000 loans](https:\/\/www.experian.com\/loans\/personal\/5000-loan\/)\n  - [Personal loan for car](https:\/\/www.experian.com\/loans\/personal\/car-purchase\/)\n  \n  ###### Loan advice\n  Most popular\n  \n  - [What is a personal loan?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-personal-loan\/)\n  - [Emergency loans with bad credit](https:\/\/www.experian.com\/blogs\/ask-experian\/can-i-get-an-emergency-loan-with-bad-credit\/)\n  - [What is a secured loan?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-secured-loan\/)\n  - [How do personal loans impact credit?](https:\/\/www.experian.com\/blogs\/ask-experian\/how-does-a-personal-loan-impact-your-credit\/)\n  - [Personal loan calculator](https:\/\/www.experian.com\/blogs\/ask-experian\/personal-loan-calculator\/)\n  - [APR vs. interest rate](https:\/\/www.experian.com\/blogs\/ask-experian\/apr-vs-interest-rate-whats-the-difference\/)\n  \n  Debt consolidation\n  \n  - [Personal loans to pay off credit card debt](https:\/\/www.experian.com\/blogs\/ask-experian\/should-i-get-a-personal-loan-to-pay-off-my-credit-card\/)\n  - [Payday loan consolidation](https:\/\/www.experian.com\/blogs\/ask-experian\/what-to-know-about-payday-loan-consolidation\/)\n  - [What is debt consolidation?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-debt-consolidation\/)\n  - [How to get a debt consolidation loan](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-get-a-debt-consolidation-loan\/)\n  \n  Personal\n  \n  - [Getting a personal loan with no credit check](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-get-a-personal-loan-without-a-credit-check\/)\n  - [What to know before applying for a loan](https:\/\/www.experian.com\/blogs\/ask-experian\/personal-loans-what-to-know-before-you-apply\/)\n  - [What is a credit-builder loan?](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-credit-builder-loan\/)\n  - [Average personal loan debt](https:\/\/www.experian.com\/blogs\/ask-experian\/research\/personal-loan-study\/)\n  - [Getting a personal loan with a cosigner](https:\/\/www.experian.com\/blogs\/ask-experian\/can-you-get-a-personal-loan-with-a-cosigner\/)\n- Insurance\n  \n  Insurance\n  \n  - [Auto insurance](https:\/\/www.experian.com\/insurance\/car-insurance-quotes\/)\n    \n    Compare, switch and save\n  \n  ###### Auto Insurance Advice\n  Most popular\n  \n  - [Average cost of car insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/average-cost-car-insurance\/)\n  - [Cheapest states for car insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/cheapest-car-insurance\/)\n  - [Bundling home and auto insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/should-you-bundle-your-home-and-auto-insurance\/)\n  - [Top car insurance discounts](https:\/\/www.experian.com\/blogs\/ask-experian\/top-car-insurance-discounts\/)\n  - [How to save on car insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-on-auto-insurance\/)\n  - [Factors that impact car insurance rates](https:\/\/www.experian.com\/blogs\/ask-experian\/factors-that-determine-your-car-insurance-rates\/)\n  - [How accidents affect insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/how-long-does-an-accident-stay-on-your-insurance\/)\n  - [Liability vs. full coverage car insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/liability-vs-full-coverage-car-insurance\/)\n\n[Sign in](https:\/\/www.experian.com\/help\/login\/)\n\n- [Consumer](https:\/\/www.experian.com\/)\n- [Small Business](https:\/\/www.experian.com\/small-business\/)\n- [Business](https:\/\/www.experian.com\/business\/)\n\n- [Consumer Support](https:\/\/www.experian.com\/help\/)\n- [Financial Guidance](https:\/\/www.experian.com\/blogs\/ask-experian\/)\n- [Global Sites](https:\/\/www.experianplc.com\/contact-us\/region\/)\n\nAdvertiser Disclosure\n\n- \/\n- [Personal finance](https:\/\/www.experian.com\/blogs\/ask-experian\/category\/personal-finance\/) \/\n- [Saving](https:\/\/www.experian.com\/blogs\/ask-experian\/category\/personal-finance\/saving\/)\n# 26 Simple Ways to Save Money\n![Karen Axelton profile image](https:\/\/www.experian.com\/static\/blog\/profiles-byline\/karen-axelton.webp)By [Karen Axelton](https:\/\/www.experian.com\/blogs\/ask-experian\/author\/karen-axelton\/)\n\n10 min readJul 29, 2024\n\n![Light bulb icon.](https:\/\/www.experian.com\/static\/shared\/icons\/icon-light-bulb.svg)\n\n## Quick Answer\nTo save money, try new strategies such as setting a savings goal, tracking your spending, making a budget, reducing discretionary expenses, trying a savings challenge and paying down debt.\n\n![Woman holding paper various expense bills and plans for personal finances at her home.](https:\/\/www.experian.com\/blogs\/ask-experian\/wp-content\/uploads\/looking-over-bill-saving-money.jpg.webp)\n\nWhether you're aiming for a solid emergency fund or a secure retirement, achieving your financial goals starts with a smart approach to saving. Fortunately, saving money can be easier than you may think. Put aside just \\$13.70 per day, and at the end of the year you'll have \\$5,000; double that to \\$27.39 daily and you'll have \\$10,000 by year-end—and that doesn't include the interest you may earn.\n\nYou can save money by making a budget, automating savings, reducing discretionary spending and seeking discounts. Here are 26 ways to save money.\n\n1. [Set a goal](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a1)\n2. [Track expenses](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a2)\n3. [Make a budget](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a3)\n4. [Automate savings](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a4)\n5. [Cancel unused subscriptions](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a5)\n6. [Buy generic brands](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a6)\n7. [Look for discounts and coupons](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a7)\n8. [Join a buy nothing group](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a8)\n9. [Shut down impulse spending](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a9)\n10. [Pause before you purchase](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a10)\n11. [Cut utility usage](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a11)\n12. [Try a savings challenge](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a12)\n13. [Pay down debt](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a13)\n14. [Consolidate debt](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a14)\n15. [Reduce restaurant spending](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a15)\n16. [Learn to DIY](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a16)\n17. [Cut you cable, phone and internet bills](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a17)\n18. [Use a rewards credit card](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a18)\n19. [Shop around for insurance savings](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a19)\n20. [Find inexpensive ways to treat yourself](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a20)\n21. [Buddy up](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a21)\n22. [Earn more money](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a22)\n23. [Cut your transportation costs](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a23)\n24. [Trim your housing expenses](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a24)\n25. [Find free or low-cost fun](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a25)\n26. [Swap with friends and family](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a26)\n\n## 1\\. Set a Goal\nHaving a goal to work toward will help you determine how much to save—and help you [stay motivated](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-stay-motivated-to-save\/) to stick to your savings plan. For example, you might want to save up for a vacation or a down payment on a new car. Maybe you'd like to build an [emergency fund](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-build-an-emergency-fund\/) so you can stop relying on credit cards for unexpected expenses. Figure out when you want to achieve your goal and how much you'll need to save each month to do so.\n\n## 2\\. Track Expenses\nTracking your spending for a month or so can be eye-opening and may reveal easy ways to save. You can [track your expenses](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-track-your-expenses\/) using paper and pencil, a spreadsheet on your computer or the note-taking app on your phone.\n\nSome banks offer expense-tracking apps. You can also download an expense tracker app such as Dollarbird, Fudget or GoodBudget. Many expense-tracking apps include budgeting features too.\n\n## 3\\. Make a Budget\n[Following a budget](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-budget\/) helps ensure your monthly spending doesn't exceed your income. To make a budget, determine your monthly income after taxes, as well as your monthly [fixed and variable expenses](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-budget-for-fixed-and-variable-expenses\/). Also include things like property taxes, car maintenance, holiday gifts and other quarterly or annual expenses.\n\nThere are plenty of ways to budget. The [50\/30\/20 budgeting method](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-the-50-30-20-rule\/) is a popular option in which 50% of your after-tax income goes to necessities, 30% goes to discretionary spending and 20% goes to savings or paying off debt. If you want to account for every dollar, you can try [zero-based budgeting](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-zero-based-budgeting\/). [You can also consider budgeting apps](https:\/\/www.experian.com\/blogs\/ask-experian\/best-budgeting-apps\/) such as PocketGuard, You Need a Budget or HoneyDue to help you stick to your budget.\n\n**Learn more:** [Types of Budget Plans to Know About](https:\/\/www.experian.com\/blogs\/ask-experian\/types-of-budget-plans\/)\n\n## 4\\. Automate Savings\nSimplify savings by setting up [automatic transfers](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-create-automatic-savings-plan\/) into your savings account each time you get paid. You can typically do this through your employer or by using your bank's mobile app or website. You may even have the option to [split your savings](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-split-your-direct-deposit-into-multiple-bank-accounts\/) into multiple savings accounts—for example, one account for your emergency fund and another for your upcoming honeymoon.\n\nGrow your savings faster by choosing a [high-yield savings account](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-high-yield-savings-account\/), which typically offers interest earnings significantly higher than those of standard savings accounts.\n\nEarn Money Faster\n\n## Compare high-yield savings accounts\nFind a high-yield savings account with today’s APY. Compare current APY and offers to find the best savings account for you.\n\nSponsored\n\nAdvertiser Disclosure\n\nAdvertiser Disclosure\n\nMany of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. \\*APY (Annual Percentage Yield).  \nRates \/ Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.\n\nCompare Personal Finance Options for 2021\n\nSelect all products of interest and compare:\n\nProduct Descriptions\n\nProduct Descriptions\n\nChecking\n\nA transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods.\n\nSavings\n\nA bank account that keeps your money safe and secure, while paying you interest.\n\nMMA\n\nA Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets.\n\nCD\n\nA Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w\/penalties for early withdrawals.\n\n401K\n\nA 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits.\n\nBrokerage\n\nAn investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains.\n\nREIT\n\nA Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties.\n\nRobo Advisor\n\nA robo-advisor is an automated investing service that uses algorithms to provide financial advice and\/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor.\n\nRoth IRA\n\nAn individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free.\n\nTraditional IRA\n\nAn individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal.\n\nFinancial Advisor\n\nFinancial advisors help people manage their money and reach their financial goals.\n\nAnnuity\n\nA financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future.\n\nCash Management\n\nA cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts.\n\nBusiness Checking\n\nA business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes.\n\nChecking Accounts\n\nSavings Accounts\n\nCertificates of Deposit\n\nRetirement Accounts\n\nReal Estate Investment\n\nInvestment Accounts\n\nAnnuity\n\nVIEW All\n\nBusiness Checking\n\nVIEW LESS\n\nPlease select one or more products to compare\n\n9 Results\n\nProduct Descriptions\n\n![Cash App](https:\/\/cdn.nextinsure.com\/imaging\/opt?u=aHR0cHM6Ly9pbWFnZXNlcnZlci5xdWluc3RyZWV0LmNvbS9jb250ZW50L29uZS8zODQyL0Nhc2hBcHBfTG9nbys0OTZ4MjQ4LmpwZw%3D%3D)\n\nCash App : Savings\n\nDisclosure\n\nDisclosure\n\n1Customers can qualify for Cash App Green by spending \\$500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing \\$300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See [Terms and Conditions](https:\/\/cash.app\/legal\/us\/en-us\/tos) for more information.\n\nTo earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending \\$500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing \\$300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.\n\nRound Ups provided by Cash App, a Block, Inc. brand.\n\nWith a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and\/or Sutton Bank, Members FDIC for up to \\$250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.\n\nCash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.\n\nVIEW DETAILS\n\non Cash App's website\n\nAnnual Percentage Yield\n\nUp to 3.25% as of 4\/10\/2026\n\nMonthly Fee\n\n\\$0\n\nMin to Earn APY\n\n\\$1\n\nDisclosure\n\nDisclosure\n\n1Customers can qualify for Cash App Green by spending \\$500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing \\$300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See [Terms and Conditions](https:\/\/cash.app\/legal\/us\/en-us\/tos) for more information.\n\nTo earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending \\$500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing \\$300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.\n\nRound Ups provided by Cash App, a Block, Inc. brand.\n\nWith a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and\/or Sutton Bank, Members FDIC for up to \\$250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.\n\nCash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.\n\nVIEW DETAILS\n\non Cash App's website\n\nAdditional Features\n\n- Unlock Cash App's highest savings interest offer of up to 3.25%1\n- Set goals and save automatically when you get paid or spend with your Cash App Card using Round Ups\n- No monthly fees or minimum balance\n- 24\/7 fraud monitoring and prevention\n\nAdditional Features\n\n- Unlock Cash App's highest savings interest offer of up to 3.25%1\n- Set goals and save automatically when you get paid or spend with your Cash App Card using Round Ups\n- No monthly fees or minimum balance\n- 24\/7 fraud monitoring and prevention\n\n![image pixel]()\n\n![Capital One](https:\/\/cdn.nextinsure.com\/imaging\/opt?u=aHR0cHM6Ly9pbWFnZXNlcnZlci5xdWluc3RyZWV0LmNvbS9jb250ZW50L29uZS85Nzg4Lzk1NTM4NThkLWJhYzQtNGEyNS04YTE1LWI3YWMzOGFkZTJjMy5qcGc%3D)\n\nCapital One : 360 Performance Savings\n\nMember FDIC\n\nDisclosure\n\nDisclosure\n\nAdvertised Annual Percentage Yield (APY) is variable and accurate as of Apr 10th 2026. Rates are subject to change at any time before or after account opening.\n\nVIEW DETAILS\n\non Capital One's website\n\nAnnual Percentage Yield\n\n3\\.20% as of 4\/10\/2026\n\nMonthly Fee\n\n\\$0\n\nMin Deposit to Earn APY\n\n\\$0\n\nMember FDIC\n\nDisclosure\n\nDisclosure\n\nAdvertised Annual Percentage Yield (APY) is variable and accurate as of Apr 10th 2026. Rates are subject to change at any time before or after account opening.\n\nVIEW DETAILS\n\non Capital One's website\n\nAdditional Features\n\n- There are no monthly fees to get between you and your money. Zero never sounded so good.\n- Got about 5 minutes? That’s all the time it takes to open an account.\n- Manage your savings on the go with our top-rated mobile app.\n- With 24\/7 access to your account, you can bank on your own schedule.\n\nAdditional Features\n\n- There are no monthly fees to get between you and your money. Zero never sounded so good.\n- Got about 5 minutes? That’s all the time it takes to open an account.\n- Manage your savings on the go with our top-rated mobile app.\n- With 24\/7 access to your account, you can bank on your own schedule.\n\n![image pixel]()\n\n![Barclays](https:\/\/cdn.nextinsure.com\/imaging\/opt?u=aHR0cHM6Ly9pbWFnZXNlcnZlci5xdWluc3RyZWV0LmNvbS9jb250ZW50L29uZS84ODU3L0JhcmNsYXlzIExvZ28gLSA0OTZ4MjgwIC0gUE5HLnBuZw%3D%3D)\n\nBarclays : Tiered Savings Account\n\nMember FDIC\n\nVIEW DETAILS\n\non Barclays's website\n\nAnnual Percentage Yield\n\n3\\.85% as of 4\/10\/2026\n\nMonthly Fee\n\n\\$0\n\nMin Deposit to Earn APY\n\n\\$0\n\nMember FDIC\n\nVIEW DETAILS\n\non Barclays's website\n\nAdditional Features\n\n- Plus, earn 3.85% APY with a minimum balance of \\$250,000\n- Earn 7X the national average\n- No monthly maintenance fees\n- Secure and easy online account access\n\nAdditional Features\n\n- Plus, earn 3.85% APY with a minimum balance of \\$250,000\n- Earn 7X the national average\n- No monthly maintenance fees\n- Secure and easy online account access\n\n![image pixel]()\n\nVIEW MORE LISTINGS\n\n![Bread Financial](https:\/\/cdn.nextinsure.com\/imaging\/opt?u=aHR0cHM6Ly9pbWFnZXNlcnZlci5xdWluc3RyZWV0LmNvbS9jb250ZW50L29uZS81MTkxL0JyZWFkIExvZ28ucG5n)\n\nBread Financial : High Yield Savings\n\nMember FDIC\n\nDisclosure\n\nDisclosure\n\nAll Bread Savings APYs are accurate as of 1\/15\/26. APYs are subject to change at any time without notice. Offers apply to personal accounts only. Fees may reduce earnings. For high-yield savings accounts, a minimum of \\$100 is required and must be deposited in a single transaction. For high-yield savings accounts, the rate may change after the account is opened.\n\nRates are compared against competitor rates published by Bankrate.com and the institutions themselves as of 1\/8\/26. Bankrate.com obtains the data from the various banks that it tracks and its accuracy cannot be guaranteed.\n\nVIEW DETAILS\n\non Bread Financial's website\n\nAnnual Percentage Yield\n\n4\\.00% as of 4\/10\/2026\n\nMonthly Fee\n\n\\$0\n\nMinimum Opening Deposit\n\n\\$100\n\nMember FDIC\n\nDisclosure\n\nDisclosure\n\nAll Bread Savings APYs are accurate as of 1\/15\/26. APYs are subject to change at any time without notice. Offers apply to personal accounts only. Fees may reduce earnings. For high-yield savings accounts, a minimum of \\$100 is required and must be deposited in a single transaction. For high-yield savings accounts, the rate may change after the account is opened.\n\nRates are compared against competitor rates published by Bankrate.com and the institutions themselves as of 1\/8\/26. Bankrate.com obtains the data from the various banks that it tracks and its accuracy cannot be guaranteed.\n\nVIEW DETAILS\n\non Bread Financial's website\n\nAdditional Features\n\n- HYSA's are competitive\n- \\$100 minimum opening deposit\n- No monthly fees on savings accounts\n- Competitive Rates\n\nAdditional Features\n\n- HYSA's are competitive\n- \\$100 minimum opening deposit\n- No monthly fees on savings accounts\n- Competitive Rates\n\n![image pixel]()\n\nNew Customer Only\n\n![Valley Direct](https:\/\/cdn.nextinsure.com\/imaging\/opt?u=aHR0cHM6Ly9pbWFnZXNlcnZlci5xdWluc3RyZWV0LmNvbS9jb250ZW50L29uZS82ODMyL1ZhbGxleURpcmVjdF9Mb2dvXzQ5NngyODAuanBn)\n\nValley Direct : High Yield Savings Account\n\nMember FDIC\n\nVIEW DETAILS\n\non Valley Direct's website\n\nAnnual Percentage Yield\n\n4\\.00% as of 4\/10\/2026\n\nMin to Open\n\n\\$1,000\n\nMin to Earn APY\n\n\\$0.01\n\nMember FDIC\n\nVIEW DETAILS\n\non Valley Direct's website\n\nAdditional Features\n\n- New customers only\n- \\$1,000 minimum account opening deposit required\n- There's no need to go to a branch or lock away your money. Add to your account to take advantage of our great rate or take funds out as needed\n- It's easy to grow your savings with digital transfers or mobile deposits, and you can automate your savings with direct deposits or scheduled transfers\n- Don't worry about maintenance charges because we don't have them\n\nAdditional Features\n\n- New customers only\n- \\$1,000 minimum account opening deposit required\n- There's no need to go to a branch or lock away your money. Add to your account to take advantage of our great rate or take funds out as needed\n- It's easy to grow your savings with digital transfers or mobile deposits, and you can automate your savings with direct deposits or scheduled transfers\n- Don't worry about maintenance charges because we don't have them\n\n![image pixel]()\n\nLimited Time Offer for New and Existing Customers\n\n![CIT](https:\/\/cdn.nextinsure.com\/imaging\/opt?u=aHR0cHM6Ly9pbWFnZXNlcnZlci5xdWluc3RyZWV0LmNvbS9jb250ZW50L29uZS83MDA4L0NJVF9Mb2dvXzQ5NngyNDhfSnVseTIwMjUuanBn)\n\nCIT :\n\nPlatinum Savings Account\n\nMember FDIC\n\nDisclosure\n\nDisclosure\n\n1\\. This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria.\n\nAccounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to \\$9,999,999.00. Account balances above \\$9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate.\n\nThe Promotion begins on February 13, 2026, and ends May 31, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions.\n\nThe promotion can end at any time without notice.\n\n2\\. Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. \\*APYs — Annual Percentage Yields are accurate as of January 9, 2026: 0.25% APY on balances of \\$0.01 to \\$4,999.99; 3.75% APY on balances of \\$5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is \\$100.\n\nBased on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of February 17, 2026.\n\nFor complete terms and conditions, please see [CIT Bank Platinum Savings APY Boost Promotion](https:\/\/www.cit.com\/cit-bank\/platinum-savings\/boost).\n\nVIEW DETAILS\n\non CIT's website\n\nAnnual Percentage Yield\n\n4\\.10%\n\nas of 4\/10\/2026\n\nMonthly Fee\n\n\\$0\n\nMin to Earn APY\n\n\\$5,000\n\nMember FDIC\n\nDisclosure\n\nDisclosure\n\n1\\. This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria.\n\nAccounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to \\$9,999,999.00. Account balances above \\$9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate.\n\nThe Promotion begins on February 13, 2026, and ends May 31, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions.\n\nThe promotion can end at any time without notice.\n\n2\\. Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. \\*APYs — Annual Percentage Yields are accurate as of January 9, 2026: 0.25% APY on balances of \\$0.01 to \\$4,999.99; 3.75% APY on balances of \\$5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is \\$100.\n\nBased on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of February 17, 2026.\n\nFor complete terms and conditions, please see [CIT Bank Platinum Savings APY Boost Promotion](https:\/\/www.cit.com\/cit-bank\/platinum-savings\/boost).\n\nVIEW DETAILS\n\non CIT's website\n\nAdditional Features\n\n- Limited time offer for new and existing customers. Use promo code to qualify: CITBoost\n- With 6 month boost, you can earn: 0.60% APY on a balance less than \\$5,000 or 4.10% APY on a balance over \\$5,0001\n- After the boost is completed, you will continue to earn our best standard rates: 0.25% APY on a balance less than \\$5,000 or 3.75% APY on a balance over \\$5,0002\n- Grow your savings faster than traditional banks with the Platinum Savings account. No monthly service fees. No account opening fees.\n\nAdditional Features\n\n- Limited time offer for new and existing customers. Use promo code to qualify: CITBoost\n- With 6 month boost, you can earn: 0.60% APY on a balance less than \\$5,000 or 4.10% APY on a balance over \\$5,0001\n- After the boost is completed, you will continue to earn our best standard rates: 0.25% APY on a balance less than \\$5,000 or 3.75% APY on a balance over \\$5,0002\n- Grow your savings faster than traditional banks with the Platinum Savings account. No monthly service fees. No account opening fees.\n\n![image pixel]()\n\n![Axos ONE\\<sup\\>®\\<\/sup\\>](https:\/\/cdn.nextinsure.com\/imaging\/opt?u=aHR0cHM6Ly9pbWFnZXNlcnZlci5xdWluc3RyZWV0LmNvbS9jb250ZW50L29uZS8zMjQ2L0F4b3MgQmFuayBMb2dvIC0gNDk2eDI4MC5wbmc%3D)\n\nAxos ONE® : Savings\n\nFDIC Insured\n\nDisclosure\n\nDisclosure\n\n\\*The Annual Percentage Yield (APY) is accurate as of 3\/4\/2026. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.\n\nPromotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.\n\nThe Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.\n\nAxos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:\n\nOption 1\n\n1. Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least \\$1,500 in total.\n2. The average daily balance of your Axos ONE® Checking account is at least \\$1,500.\n\nOption 2\n\n1. Your Axos ONE® Checking account has received monthly qualifying deposits of at least \\$5,000 in total.\n2. The average daily balance of your Axos ONE® Checking account is at least \\$5,000.\n\nIf both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:\n\n- The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.\n- The Axos ONE® Savings account will earn a promotional rate of 4.21% APY on the first \\$249,999.99 and 3.50% APY on any additional balance for the statement cycle in which the requirements are met.\n\nThe Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.\n\nA direct deposit is an electronic ACH deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., real time payments, online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.\n\nQualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) mobile check deposits, (iv) real time payments. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and\/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds, (v) ATM deposits.\n\nBoth accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.\n\nVIEW DETAILS\n\non Axos ONE®'s website\n\nAnnual Percentage Yield\n\n4\\.21% as of 4\/10\/2026\n\nMonthly Fee\n\n\\$0\n\nMin to Earn APY\n\n\\$0\n\nFDIC Insured\n\nDisclosure\n\nDisclosure\n\n\\*The Annual Percentage Yield (APY) is accurate as of 3\/4\/2026. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.\n\nPromotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.\n\nThe Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.\n\nAxos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:\n\nOption 1\n\n1. Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least \\$1,500 in total.\n2. The average daily balance of your Axos ONE® Checking account is at least \\$1,500.\n\nOption 2\n\n1. Your Axos ONE® Checking account has received monthly qualifying deposits of at least \\$5,000 in total.\n2. The average daily balance of your Axos ONE® Checking account is at least \\$5,000.\n\nIf both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:\n\n- The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.\n- The Axos ONE® Savings account will earn a promotional rate of 4.21% APY on the first \\$249,999.99 and 3.50% APY on any additional balance for the statement cycle in which the requirements are met.\n\nThe Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.\n\nA direct deposit is an electronic ACH deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., real time payments, online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.\n\nQualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) mobile check deposits, (iv) real time payments. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and\/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds, (v) ATM deposits.\n\nBoth accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.\n\nVIEW DETAILS\n\non Axos ONE®'s website\n\nAdditional Features\n\n- Earn up to 4.21% APY on savings, and 0.51% APY on checking when you meet requirements.\n- Get your money up to 2 days early. You’ve earned it, so start earning on it.\n- Earn more, with no hidden hoops or restrictive caps.\n- Deposit accounts FDIC insured up to \\$250K individual and \\$500K joint.\n- Access a network of over 95,000 fee-free ATMs.\n- Tiered variable APY. Balance & activity requirements apply. Learn more.\n\nAdditional Features\n\n- Earn up to 4.21% APY on savings, and 0.51% APY on checking when you meet requirements.\n- Get your money up to 2 days early. You’ve earned it, so start earning on it.\n- Earn more, with no hidden hoops or restrictive caps.\n- Deposit accounts FDIC insured up to \\$250K individual and \\$500K joint.\n- Access a network of over 95,000 fee-free ATMs.\n- Tiered variable APY. Balance & activity requirements apply. Learn more.\n\n![image pixel]()\n\n![American Express National Bank](https:\/\/cdn.nextinsure.com\/imaging\/opt?u=aHR0cHM6Ly9pbWFnZXNlcnZlci5xdWluc3RyZWV0LmNvbS9jb250ZW50L29uZS81Mzk1L0FtZXhfTWF5MjAyMl9Mb2dvXzQ5NngyODAuanBn)\n\nAmerican Express National Bank : Savings Account\n\nMember FDIC\n\nDisclosure\n\nDisclosure\n\n1The Annual Percentage Yield (APY) as advertised is accurate as of 3\/18\/26. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened. Interest Rate and APY of a Certificate of Deposit account is fixed once the account is funded.\n\n2There is no minimum balance required to open your Account, to avoid being charged a fee, or to obtain the Annual Percentage Yield (APY) disclosed to you.\n\nVIEW DETAILS\n\non American Express National Bank's website\n\nAnnual Percentage Yield\n\n3\\.20%1 as of 4\/10\/2026\n\nMonthly Fee\n\n\\$0\n\nMin Deposit to Earn APY\n\n\\$0\n\nMember FDIC\n\nDisclosure\n\nDisclosure\n\n1The Annual Percentage Yield (APY) as advertised is accurate as of 3\/18\/26. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened. Interest Rate and APY of a Certificate of Deposit account is fixed once the account is funded.\n\n2There is no minimum balance required to open your Account, to avoid being charged a fee, or to obtain the Annual Percentage Yield (APY) disclosed to you.\n\nVIEW DETAILS\n\non American Express National Bank's website\n\nAdditional Features\n\n- No minimum balance2 and no monthly fees.\n- Strengthened by the service and reliability of American Express.\n- Easy access to your money and 24\/7 world-class customer service.\n- Manage your account online with simple transfers and recurring deposits.\n- Annual Percentage Yield is subject to change.\n\nAdditional Features\n\n- No minimum balance2 and no monthly fees.\n- Strengthened by the service and reliability of American Express.\n- Easy access to your money and 24\/7 world-class customer service.\n- Manage your account online with simple transfers and recurring deposits.\n- Annual Percentage Yield is subject to change.\n\n![image pixel]()\n\nLimited Time Offer\n\n![Premium Savings Account](https:\/\/cdn.nextinsure.com\/imaging\/opt?u=aHR0cHM6Ly9pbWFnZXNlcnZlci5xdWluc3RyZWV0LmNvbS9jb250ZW50L29uZS8yOTQ1L0VfVHJhZGUgbmV3IGxvZ28ucG5n)\n\nPremium Savings Account\n\nDisclosure\n\nDisclosure\n\n1This offer is only valid for a new Premium Savings Account (“PSA”). This offer is not valid for Checking, Max-Rate Checking or line of credit accounts that MSPBNA or its affiliates offer. IRA and non-IRA Brokerage accounts are ineligible. The Promotional Annual Percentage Yield (“Promotional APY”) will be automatically applied to the account and will remain effective for 180 days (the “Promotion Period”), after which it will automatically revert to the Standard Annual Percentage Yield (“Standard APY”) without requiring any action from you. Accounts must be opened by May 20, 2026 to qualify for the Promotional APY. No minimum balance required, and the offer may be withdrawn at any time. Excludes non-U.S. residents, and residents of any jurisdiction where this offer is not valid. Other restrictions may apply. Please visit [etrade.com\/premiumsavings](https:\/\/us.etrade.com\/bank\/premium-savings-account) for more information.\n\n2No minimum initial deposit is required to open an account. However, account must be funded within 90 days to remain open.\n\n3 The Premium Savings Account gives Morgan Stanley Private Bank, National Associate, Member FDIC the ability to send any amount held on deposit in your Premium Savings Account to other depository accounts at Federal Deposit Insurance Corporation (\"FDIC\") member banks with the purpose of affording you additional FDIC insurance coverage. It is designed to offer up to \\$500,000 in FDIC coverage to individual accounts (up to \\$1 million for joint accounts). Certain conditions must be met. Learn more on [etrade.com](https:\/\/us.etrade.com\/l\/f\/agreement-library\/premium-savings-bank-deposit-program).\n\nVIEW DETAILS\n\non Premium Savings Account's website\n\nAnnual Percentage Yield\n\n4\\.00%1 as of 4\/10\/2026\n\nMonthly Fees\n\n\\$0\n\nMin to Earn APY\n\n\\$0\n\nDisclosure\n\nDisclosure\n\n1This offer is only valid for a new Premium Savings Account (“PSA”). This offer is not valid for Checking, Max-Rate Checking or line of credit accounts that MSPBNA or its affiliates offer. IRA and non-IRA Brokerage accounts are ineligible. The Promotional Annual Percentage Yield (“Promotional APY”) will be automatically applied to the account and will remain effective for 180 days (the “Promotion Period”), after which it will automatically revert to the Standard Annual Percentage Yield (“Standard APY”) without requiring any action from you. Accounts must be opened by May 20, 2026 to qualify for the Promotional APY. No minimum balance required, and the offer may be withdrawn at any time. Excludes non-U.S. residents, and residents of any jurisdiction where this offer is not valid. Other restrictions may apply. Please visit [etrade.com\/premiumsavings](https:\/\/us.etrade.com\/bank\/premium-savings-account) for more information.\n\n2No minimum initial deposit is required to open an account. However, account must be funded within 90 days to remain open.\n\n3 The Premium Savings Account gives Morgan Stanley Private Bank, National Associate, Member FDIC the ability to send any amount held on deposit in your Premium Savings Account to other depository accounts at Federal Deposit Insurance Corporation (\"FDIC\") member banks with the purpose of affording you additional FDIC insurance coverage. It is designed to offer up to \\$500,000 in FDIC coverage to individual accounts (up to \\$1 million for joint accounts). Certain conditions must be met. Learn more on [etrade.com](https:\/\/us.etrade.com\/l\/f\/agreement-library\/premium-savings-bank-deposit-program).\n\nVIEW DETAILS\n\non Premium Savings Account's website\n\nAdditional Features\n\n- Boost your savings with 4.00% Annual Percentage Yield for 6 months1\n- Manage your money from anywhere with their mobile app\n- No minimum initial deposit,2 and no monthly account fees\n- FDIC insured up to \\$500,0003 once certain conditions have been satisfied\n\nAdditional Features\n\n- Boost your savings with 4.00% Annual Percentage Yield for 6 months1\n- Manage your money from anywhere with their mobile app\n- No minimum initial deposit,2 and no monthly account fees\n- FDIC insured up to \\$500,0003 once certain conditions have been satisfied\n\n![image pixel]()\n\nVIEW LESS LISTINGS\n\nPowered By:\n\n![](data:image\/svg+xml;base64,<svg xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" width="89" height="25.226" viewBox="0 0 89 25.226"><defs><linearGradient 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fill-rule="evenodd"/></g></g></svg>)\n\nPowered By:\n\n![](data:image\/svg+xml;base64,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5\\. Cancel Unused Subscriptions\nCheck your bank and credit card statements each month for recurring subscriptions or memberships, such as streaming services, gym memberships, newspapers or apps. Save money by canceling those you no longer use.\n\n**Learn more:** [How to Manage Your Monthly Subscriptions](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-manage-your-monthly-subscriptions\/)\n\n## 6\\. Buy Generic Brands\nOpting for generic versions of groceries, household items and prescription and non-prescription medications can save you a lot of money. Ask your doctor to prescribe generic versions of your medications whenever possible. Compare ingredients of brand-name and generic over-the-counter medications.\n\n## 7\\. Look for Discounts and Coupons\nFrom restaurants and retailers to supermarkets, gas stations and airlines, just about every business offers rewards programs these days. Joining, which typically involves downloading an app, can give you access to discounts and deals. You can also find discounts by searching online for digital [coupon codes](https:\/\/www.experian.com\/blogs\/ask-experian\/pros-cons-couponing\/) before making a purchase. Don't buy just because there's a discount, though. Shop intentionally, seeking discounts only for things you plan to buy anyway.\n\n## 8\\. Join a Buy Nothing Group\n\"[Buy nothing\" groups](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money-with-buy-nothing-groups\/) can help you save money and prevent waste. Join a group such as Buy Nothing or The Freecycle Network to post items you no longer need, search for items neighbors are giving away or request something you want. Giveaways can range from dog food and baby clothes to sporting goods and furniture. You can also find buy nothing groups on social media.\n\n## 9\\. Shut Down Impulse Spending\nWhen you're bombarded with marketing messages all day long, your willpower can easily weaken. To nip [impulsive shopping](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-avoid-overspending-each-month\/) in the bud, unsubscribe from marketing emails and text alerts; unfollow brands on social media; stop reading blogs or publications that spur you to spend and delete shopping apps from your phone.\n\n**Learn more:** [How to Stop Impulse Spending](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-stop-impulse-spending\/)\n\n## 10\\. Pause Before You Purchase\nMaking it more difficult to make a purchase can help you [stick to a budget](https:\/\/www.experian.com\/blogs\/ask-experian\/ways-to-stay-on-budget\/). Delete your payment card information from shopping websites so you can't just click to buy. Set a rule that you must wait a certain amount of time, such as 72 hours or one week, before making a discretionary purchase. In most cases, once your time limit expires, you'll find you don't want the item anymore.\n\n## 11\\. Cut Utility Usage\nLook for ways to lower your [water](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-lower-water-bill\/), [gas and electricity](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money-electric-bill\/) bills. For example, take shorter showers, install water-saving plumbing fixtures or cut back on watering your lawn. Turn off lights and electronics when not in use. In summer, cool your home with ceiling fans and room-darkening curtains and set your thermostat at 78 degrees to minimize air conditioning use. In cold weather, seal cracks to eliminate drafts; set your thermostat at 68 degrees and dress warmly.\n\n## 12\\. Try a Savings Challenge\nMake a game of saving money by taking a [savings challenge](https:\/\/www.experian.com\/blogs\/ask-experian\/savings-challenges-to-try-this-year\/). Here are a few to try:\n\n- **[52-week challenge](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-do-52-week-money-challenge\/):** Put \\$1 in savings the first week, \\$2 the second week, \\$3 the third week and so on.\n- **Round-up challenge:** Round up every purchase to the nearest dollar and put the difference in savings. For instance, if you buy something for \\$25.15, round up to \\$26 and put 85 cents in savings. Some banks or credit unions let you automatically round up purchases made with your debit card and deposit the savings into your savings account.\n- **[No-spend challenge](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-do-no-spend-challenge\/):** Eliminate all nonessential spending for a certain time—say, one weekend or one month. You can customize your challenge to cut back on \"problem spending\" areas, such as eating out or buying clothes.\n\n## 13\\. Pay Down Debt\nWith the average credit card [annual percentage rate (APR)](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-apr\/) at 22.76% as of May 2024, according to the Federal Deposit Insurance Corp. (FDIC), carrying a balance on your credit card can cost you hundreds of dollars of interest per month. Make a plan to pay down [high-interest debt](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-high-interest-debt\/) so you can put that money toward savings instead. Depending on your budget and needs, consider the [debt avalanche or debt snowball](https:\/\/www.experian.com\/blogs\/ask-experian\/avalanche-vs-snowball-which-repayment-strategy-is-best\/) strategies.\n\n**Learn more:** [How to Get Out of Debt](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/how-to-get-out-of-debt\/)\n\n## 14\\. Consolidate Debt\nConsolidating high-interest debt can help make your payments more manageable so you can [pay off debt](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-and-pay-off-debt-at-the-same-time\/) faster and save on interest. Look for a [debt consolidation loan](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-get-a-debt-consolidation-loan\/) at a lower interest rate than your outstanding debt and use the loan proceeds to pay off your balances. As of May 2024, the average APR on a personal loan was 11.92%—significantly lower than the average credit card APR.\n\nYou can also consolidate debt with a [balance transfer credit card](https:\/\/www.experian.com\/credit-cards\/best-balance-transfer\/) that offers an introductory 0% APR. Transfer your outstanding balances to the card and they won't accrue interest until the promotional 0% APR ends. This can give you time to pay off the balance without incurring additional interest.\n\n**Learn more:** [How to Consolidate Debt](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-consolidate-debt\/)\n\n## Compare personal loan rates\nFind APRs from 6.25% to 35.99% and flexible terms of 12 to 120 months. Loan amounts range from \\$1,000 up to \\$250,000, with funding available the same day or up to 3 days.\n\nState\n\nOffers from our partners\n\nAdvertiser Disclosure\n\n[![Upstart logo.](https:\/\/www.experian.com\/static\/cred\/offers\/LC034.svg?c=1775763239656)](https:\/\/www.experian.com\/loans\/providers\/upstart)[(679)Rated 4.64 out of 5 stars, 679 reviews](https:\/\/www.experian.com\/loans\/providers\/upstart#reviews)\n\n94%\n\nwould recommend\n\nEst. APR\n\n6\\.70 - 35.99%\n\nLoan amount\\$1,000 - \\$50,000\n\nEst. monthly payment\\$31 - \\$1,806\n\nTerm36 - 60 mo\n\nSee offers\n\n[![Best Egg logo.](https:\/\/www.experian.com\/static\/cred\/offers\/LC029.png?c=1775763239419)](https:\/\/www.experian.com\/loans\/providers\/best-egg)[(603)Rated 4.8 out of 5 stars, 603 reviews](https:\/\/www.experian.com\/loans\/providers\/best-egg#reviews)\n\n97%\n\nwould recommend\n\nEst. APR\n\n6\\.99 - 35.99%\n\nLoan amount\\$2,000 - \\$50,000\n\nEst. monthly payment\\$62 - \\$1,806\n\nTerm36 - 60 mo\n\nSee offers\n\n[![LendingClub Bank logo.](https:\/\/www.experian.com\/static\/cred\/offers\/LC024.png?c=1775763239580)](https:\/\/www.experian.com\/loans\/providers\/lendingclub-bank)[(1769)Rated 4.8 out of 5 stars, 1769 reviews](https:\/\/www.experian.com\/loans\/providers\/lendingclub-bank#reviews)\n\n98%\n\nwould recommend\n\nEst. APR\n\n7\\.90 - 35.99%\n\nLoan amount\\$1,000 - \\$75,000\n\nEst. monthly payment\\$45 - \\$2,709\n\nTerm24 - 60 mo\n\nSee offers\n\n[![SoFi logo.](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAABIAAAANCAYAAACkTj4ZAAAAGklEQVR42mP8\/uN3PQMVAOOoQaMGjRpEF4MAOrcsY49QrVQAAAAASUVORK5CYII=)](https:\/\/www.experian.com\/loans\/providers\/sofi)[(502)Rated 4.8 out of 5 stars, 502 reviews](https:\/\/www.experian.com\/loans\/providers\/sofi#reviews)\n\n96%\n\nwould recommend\n\nEst. APR\n\n7\\.74 - 35.49%\n\nLoan amount\\$5,000 - \\$100,000\n\nEst. monthly payment\\$226 - \\$3,237\n\nTerm24 - 84 mo\n\nSee offers\n\n[![Upgrade logo.](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAABIAAAANCAYAAACkTj4ZAAAAGklEQVR42mP8\/uN3PQMVAOOoQaMGjRpEF4MAOrcsY49QrVQAAAAASUVORK5CYII=)](https:\/\/www.experian.com\/loans\/providers\/upgrade)[(477)Rated 4.74 out of 5 stars, 477 reviews](https:\/\/www.experian.com\/loans\/providers\/upgrade#reviews)\n\n96%\n\nwould recommend\n\nEst. APR\n\n7\\.74 - 35.99%\n\nLoan amount\\$1,000 - \\$50,000\n\nEst. monthly payment\\$31 - \\$1,806\n\nTerm36 - 60 mo\n\nSee offers\n\n[![Prosper logo.](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAABIAAAANCAYAAACkTj4ZAAAAGklEQVR42mP8\/uN3PQMVAOOoQaMGjRpEF4MAOrcsY49QrVQAAAAASUVORK5CYII=)](https:\/\/www.experian.com\/loans\/providers\/prosper)[(118)Rated 4.72 out of 5 stars, 118 reviews](https:\/\/www.experian.com\/loans\/providers\/prosper#reviews)\n\n97%\n\nwould recommend\n\nEst. APR\n\n8\\.99 - 35.99%\n\nLoan amount\\$2,000 - \\$50,000\n\nEst. monthly payment\\$91 - \\$1,806\n\nTerm24 - 60 mo\n\nSee offers\n\n[![Happy Money logo.](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAABIAAAANCAYAAACkTj4ZAAAAGklEQVR42mP8\/uN3PQMVAOOoQaMGjRpEF4MAOrcsY49QrVQAAAAASUVORK5CYII=)](https:\/\/www.experian.com\/loans\/providers\/happy-money)[(27)Rated 4.96 out of 5 stars, 27 reviews](https:\/\/www.experian.com\/loans\/providers\/happy-money#reviews)\n\n100%\n\nwould recommend\n\nEst. APR\n\n7\\.95 - 29.99%\n\nLoan amount\\$5,000 - \\$50,000\n\nEst. monthly payment\\$226 - \\$1,617\n\nTerm24 - 60 mo\n\nSee offers\n\n[![Zable Personal Loans logo.](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAABIAAAANCAYAAACkTj4ZAAAAGklEQVR42mP8\/uN3PQMVAOOoQaMGjRpEF4MAOrcsY49QrVQAAAAASUVORK5CYII=)](https:\/\/www.experian.com\/loans\/providers\/zable-personal-loans)[(29)Rated 4.62 out of 5 stars, 29 reviews](https:\/\/www.experian.com\/loans\/providers\/zable-personal-loans#reviews)\n\n90%\n\nwould recommend\n\nEst. APR\n\n13\\.37 - 35.99%\n\nLoan amount\\$1,000 - \\$15,000\n\nEst. monthly payment\\$89 - \\$542\n\nTerm12 - 60 mo\n\nSee offers\n\nShow more Show less\n\nView all of our [Best Personal Loans](https:\/\/www.experian.com\/loans\/personal\/) for 2026 to see what you’re likely to qualify for, and the rates and terms you might get.\n\n⍉Results will vary. Based on FICO® Score 8 model. Offers and approval not guaranteed. Eligibility requirements and terms apply. Application is subject to a credit check, which may impact your credit scores. Offers not available in all states. [Marketplace licenses and disclosures](https:\/\/www.experian.com\/help\/cm-licenses-and-disclosures\/).\n\n## 15\\. Reduce Restaurant Spending\nEating at restaurants, buying lunch at work or frequently ordering takeout takes a big bite out of your budget. Instead, save money by cooking and eating at home. If you can't bear to stop dining out altogether, reserve restaurant meals for special occasions. You can also trim your restaurant bill by going for lunch or happy hour, drinking water instead of pricey beverages or ordering appetizers instead of a main course.\n\n## 16\\. Learn to DIY\nHiring experts to hem your pants, cut your kid's hair, change your car's oil or fix a leaky faucet gets expensive fast. Cut costs by finding a how-to video or product manual online and learning how to do it yourself.\n\nIf you prefer hands-on instruction, check offerings from local home improvement stores, garden centers, fabric stores or city recreation departments. For example, many home improvement retailers hold free workshops on topics like painting walls or installing tile.\n\n## 17\\. Cut Your Cable, Phone and Internet Bills\nSave on [cable, phone and internet services](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money-on-cable-phone-internet-bills\/) by exploring alternatives such as switching your plan to a lower-priced option. You might be able to bundle services or downgrade your plan, for example. Cellular service providers often offer discounts if you choose a family and friends plan. You might save on cable TV by cutting the cord and changing to streaming, or reduce internet prices by settling for lower speeds.\n\nWhen in doubt, contact your provider and see what they can do to lower your bill, or sign up for [Experian BillFixer™](https:\/\/www.experian.com\/money\/manage-bills-subscriptions\/) and let someone else do the hard work for you.\n\n## 18\\. Use a Rewards Credit Card\n[Cash back credit cards](https:\/\/www.experian.com\/credit-cards\/best-cash-back\/) can help you get cash back for purchases you'd make anyway. To maximize savings without overspending, look for a [credit card](https:\/\/www.experian.com\/blogs\/ask-experian\/best-ways-to-redeem-credit-card-rewards\/) that rewards you for essential purchases, such as groceries or [gasoline](https:\/\/www.experian.com\/credit-cards\/best-gas\/). To avoid incurring interest that would probably surpass any rewards you earn, always pay the balance in full before your credit card's [grace period](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-grace-period\/) is up.\n\n## 19\\. Shop Around for Insurance Savings\nIt can be tempting to \"set and forget\" your auto or [homeowners insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-homeowners-insurance\/)—but that could be a costly mistake. [Shop for insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/how-often-to-shop-around-for-homeowners-insurance\/) once a year or so, and you may find equivalent or better coverage at a lower cost. Rate-shop fast by using an [insurance comparison site](https:\/\/www.experian.com\/insurance\/car-insurance-quotes\/) like Experian's, which delivers quotes from over 40 top car insurance companies in minutes.\n\n## 20\\. Find Inexpensive Ways to Treat Yourself\n[Avoid budget burnout](https:\/\/www.experian.com\/blogs\/ask-experian\/ways-to-treat-yourself-without-breaking-your-budget\/) by giving yourself small rewards for sticking to your savings plan. Put 50 cents or \\$1 in a jar every day you follow your budget and use it to treat yourself at the end of the month. Look for lower-cost versions of your favorite activities. Instead of a \\$40 manicure, for instance, buy a \\$10 bottle of polish and do your nails at home. If you've eliminated daily lattes, let yourself savor one at the end of the month.\n\n## 21\\. Buddy Up\nHolding yourself accountable can help you stick to your budget. Ask a friend to join you as an [accountability partner](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-financial-accountability-group\/) and keep you on track. You can also use an [accountability app](https:\/\/www.experian.com\/blogs\/ask-experian\/accountability-apps-to-keep-you-on-budget\/) like BeeMinder or Fabulous to track and support healthy savings habits. Look for social media influencers whose personal financial advice inspires you—just be sure to vet their advice before making drastic changes.\n\n## 22\\. Earn More Money\nReach your savings goals faster by [making more money](https:\/\/www.experian.com\/blogs\/ask-experian\/ways-to-make-more-money-without-asking-for-raise\/). Request extra hours at work, apply for a promotion or better-paying job, or ask your boss for a raise. If your schedule allows, consider getting a part-time job or starting a [side hustle](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-make-extra-money-from-home\/). There are plenty of options, including tutoring, childcare, walking dogs, delivering food, rideshare driving, selling things online and more.\n\n## 23\\. Cut Your Transportation Costs\nCan you work from home a few days a week, or commute via public transportation, carpooling, bicycling, walking or ride-sharing? If so, you could save hundreds of dollars per month compared to driving your car. Some employers even offer stipends or reimbursements for employees who choose [greener transportation](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money-with-green-transportation\/) options. If these options won't work for your [daily commute](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-on-commuting-costs\/), perhaps you can walk, bike or ride a bus to appointments or errands. Driving fewer miles per year could qualify you for [low-mileage car insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/does-mileage-affect-car-insurance\/) discounts too.\n\n## 24\\. Trim Your Housing Expenses\nWhether you rent or own, housing is most people's biggest expense. You may be able to reduce the cost of housing by taking in a roommate or renting out a room in your home. It's sometimes possible to negotiate your lease terms to [lower your rent](https:\/\/www.experian.com\/blogs\/ask-experian\/ways-to-save-money-on-rent\/).\n\nDownsizing your home could reduce not only your mortgage, but also the cost of utilities, home insurance and maintenance. Just be sure to consider moving costs, real estate agent fees and potential tax implications.\n\n**Learn more:** [Financial Pros and Cons of Downsizing Your Home](https:\/\/www.experian.com\/blogs\/ask-experian\/pros-and-cons-of-downsizing-your-home\/)\n\n## 25\\. Find Free or Low-Cost Fun\nKeep saving from being boring by searching out free or inexpensive activities. Go for a hike, take a picnic to the park or visit the community pool. Check out [fun activities](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-make-saving-money-fun\/) your local library has to offer, such as movie rentals, children's story hours and crafts classes. Museums, zoos and other institutions typically have free or discounted entry one day per month or one evening per week.\n\n## 26\\. Swap With Friends and Family\nGet more without spending more by sharing with friends and family instead of buying things. Organize a regular swap where neighbors share items they're willing to lend out or give away. Toys, games, books, clothing, gardening equipment, household items, sporting goods or tools are all fair game. You can either keep what you take or bring items back to the next swap for someone else to use.\n\n## Frequently Asked Questions\n### How Much Money Should You Save Each Month?\nTo figure out [how much to save each month](https:\/\/www.experian.com\/blogs\/ask-experian\/how-much-should-you-save-each-month\/), determine your savings goals, such as buying a home or building an emergency fund. The 50\/30\/20 budgeting method is a simple approach that allocates 20% of your take-home income to savings and paying off debt. If money is very tight, try saving just \\$10 or \\$20 per pay period; it all adds up.\n\n### How to Save Money Fast\nHere are some ways to speed up savings:\n\n- Put any [windfalls](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-manage-a-windfall\/), such as a bonus at work, tax refund or cash gift, into savings.\n- Keep your savings in a [high-yield savings account](https:\/\/www.experian.com\/blogs\/ask-experian\/reasons-to-put-money-in-high-yield-savings-account\/) to help it grow faster.\n- Do a no-spend challenge, limiting your spending to necessities for a month or longer.\n- Get a part-time job or start a side hustle such as freelancing, rideshare driving or babysitting, to earn more money for savings.\n\n### What's the Best Way to Save Money?\nThere's no single best way to save money. However, most people find that setting savings goals, automating savings, reducing discretionary spending, tracking expenses and setting a realistic budget are key to success.\n\nIt's also important to stay motivated and reward yourself for saving. Review the 26 ideas above to see which ones make sense for you and try a combination of the tips to see what works best.\n\n## The Bottom Line\nAnother way to save money: Maintain a [good credit score](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/score-basics\/what-is-a-good-credit-score\/). Good credit can help you qualify for lower interest rates on credit cards and loans, reducing the cost of borrowing money. You can check your [credit score and credit report](https:\/\/www.experian.com\/credit\/credit-score\/) for free to see where you stand. If your credit score isn't where you want it, paying down debt, keeping credit utilization low and paying your bills on time can help [improve it](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/improving-credit\/improve-credit-score\/), which could make it easier to reach your savings goals.\n\n## Want to lower your monthly bills?\nWe’ll negotiate bills for you and cancel unwanted subscriptions.\n\n[Get started](https:\/\/www.experian.com\/money\/manage-bills-subscriptions\/)\n\n![Promo icon.](https:\/\/www.experian.com\/static\/shared\/icons\/icon-wallet.svg)\n\n## About the author\n![Karen Axelton](https:\/\/www.experian.com\/static\/blog\/profiles-byline\/karen-axelton.webp)\n\nKaren Axelton\n\nKaren Axelton is Experian’s in-house senior personal finance writer. She has over 20 years of experience as a journalist and has written or ghostwritten content for a variety of financial services companies.\n\n[Read more from Karen](https:\/\/www.experian.com\/blogs\/ask-experian\/author\/karen-axelton\/)\n\n## Explore more topics\n- [Personal finance](https:\/\/www.experian.com\/blogs\/ask-experian\/category\/personal-finance\/)\n- [Budgeting](https:\/\/www.experian.com\/blogs\/ask-experian\/category\/personal-finance\/budgeting\/)\n- [Debt](https:\/\/www.experian.com\/blogs\/ask-experian\/category\/personal-finance\/debt\/)\n- [Investing](https:\/\/www.experian.com\/blogs\/ask-experian\/category\/personal-finance\/investing\/)\n- [Retirement](https:\/\/www.experian.com\/blogs\/ask-experian\/category\/personal-finance\/retirement\/)\n- [Taxes](https:\/\/www.experian.com\/blogs\/ask-experian\/category\/personal-finance\/taxes\/)\n## Share article\n\nSave money on bills and subscriptions\n\n[Get started](https:\/\/www.experian.com\/money\/manage-bills-subscriptions\/)\n\n[![Experian logo.](https:\/\/www.experian.com\/static\/shared\/logos\/logo-experian.svg)](https:\/\/www.experian.com\/)\n\nExperian is a globally recognized financial leader, committed to being a Big Financial Friend—empowering millions to take control of their finances. 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Banking services provided by CFSB, Member FDIC. Experian is a Program Manager, not a bank.\n\nΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. [Learn more](https:\/\/www.experian.com\/help\/fico-score-disclosure\/).\n\n**Editorial Policy:** The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding any legal issues. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy.\n\nOpinions expressed here are author’s alone, not those of any bank, credit card issuer or other company, and have not been reviewed, approved or otherwise endorsed by any of these entities, unless sponsorship is explicitly indicated. All information, including rates and fees, are accurate as of the date of publication and are updated as provided by our partners. Some of the offers on this page may not be available through our website.\n\nOffer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews.\n\nAdvertiser Disclosure: The offers that appear on this site are from third party companies that may compensate Experian Consumer Services when consumers engage with them, for example, by clicking an offer link, when an application is approved, or when an account is opened. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.\n\n\\*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.\n\n© 2026 Experian. All rights reserved.\n\nExperian and the Experian trademarks used herein are trademarks or registered trademarks of Experian and its affiliates. The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand. Other product and company names mentioned herein are the property of their respective owners.\n\n[Marketplace Licenses and Disclosures](https:\/\/www.experian.com\/help\/cm-licenses-and-disclosures\/)[Insurance State Licenses](https:\/\/www.experian.com\/help\/insurance-licenses-disclosure\/)[Insurance Carrier Partner Details](https:\/\/www.experian.com\/help\/insurance-carrier-partner-details\/)\n\n![](https:\/\/insight.adsrvr.org\/track\/pxl\/?adv=csk2jik&ct=0:zdi1poh&fmt=3)![](https:\/\/pixel.yobi.ai\/$web\/pixel.gif?id=&uid=1-ba2r6oqk-mnsn2hfv&ev=pageload&ed=&v=1&dl=https%3A%2F%2Fwww.experian.com%2Fblogs%2Fask-experian%2Fhow-to-save-money%2F&rl=&ts=1775809403789&de=UTF-8&sr=800x600&vp=1024x12140&cd=24&dt=26%20Ways%20to%20Save%20Money&bn=Netscape%205.0%20\$compatible%3B%20AhrefsBot%2F7.0%3B%20%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F\$%20-%3F&md=false&ua=Mozilla%2F5.0%20\$compatible%3B%20AhrefsBot%2F7.0%3B%20%2Bhttp%3A%2F%2Fahrefs.com%2Frobot%2F\$&tz=0&utm_source=&utm_medium=&utm_term=&utm_content=&utm_campaign=&utm_source_platform=&utm_creative_format=&utm_marketing_tactic=)","attrs_readable_markdown":"Whether you're aiming for a solid emergency fund or a secure retirement, achieving your financial goals starts with a smart approach to saving. Fortunately, saving money can be easier than you may think. Put aside just \\$13.70 per day, and at the end of the year you'll have \\$5,000; double that to \\$27.39 daily and you'll have \\$10,000 by year-end—and that doesn't include the interest you may earn.\n\nYou can save money by making a budget, automating savings, reducing discretionary spending and seeking discounts. Here are 26 ways to save money.\n\n1. [Set a goal](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a1)\n2. [Track expenses](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a2)\n3. [Make a budget](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a3)\n4. [Automate savings](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a4)\n5. [Cancel unused subscriptions](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a5)\n6. [Buy generic brands](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a6)\n7. [Look for discounts and coupons](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a7)\n8. [Join a buy nothing group](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a8)\n9. [Shut down impulse spending](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a9)\n10. [Pause before you purchase](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a10)\n11. [Cut utility usage](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a11)\n12. [Try a savings challenge](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a12)\n13. [Pay down debt](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a13)\n14. [Consolidate debt](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a14)\n15. [Reduce restaurant spending](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a15)\n16. [Learn to DIY](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a16)\n17. [Cut you cable, phone and internet bills](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a17)\n18. [Use a rewards credit card](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a18)\n19. [Shop around for insurance savings](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a19)\n20. [Find inexpensive ways to treat yourself](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a20)\n21. [Buddy up](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a21)\n22. [Earn more money](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a22)\n23. [Cut your transportation costs](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a23)\n24. [Trim your housing expenses](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a24)\n25. [Find free or low-cost fun](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a25)\n26. [Swap with friends and family](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money\/#a26)\n\n## 1\\. Set a Goal\nHaving a goal to work toward will help you determine how much to save—and help you [stay motivated](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-stay-motivated-to-save\/) to stick to your savings plan. For example, you might want to save up for a vacation or a down payment on a new car. Maybe you'd like to build an [emergency fund](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-build-an-emergency-fund\/) so you can stop relying on credit cards for unexpected expenses. Figure out when you want to achieve your goal and how much you'll need to save each month to do so.\n\n## 2\\. Track Expenses\nTracking your spending for a month or so can be eye-opening and may reveal easy ways to save. You can [track your expenses](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-track-your-expenses\/) using paper and pencil, a spreadsheet on your computer or the note-taking app on your phone.\n\nSome banks offer expense-tracking apps. You can also download an expense tracker app such as Dollarbird, Fudget or GoodBudget. Many expense-tracking apps include budgeting features too.\n\n## 3\\. Make a Budget\n[Following a budget](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-budget\/) helps ensure your monthly spending doesn't exceed your income. To make a budget, determine your monthly income after taxes, as well as your monthly [fixed and variable expenses](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-budget-for-fixed-and-variable-expenses\/). Also include things like property taxes, car maintenance, holiday gifts and other quarterly or annual expenses.\n\nThere are plenty of ways to budget. The [50\/30\/20 budgeting method](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-the-50-30-20-rule\/) is a popular option in which 50% of your after-tax income goes to necessities, 30% goes to discretionary spending and 20% goes to savings or paying off debt. If you want to account for every dollar, you can try [zero-based budgeting](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-zero-based-budgeting\/). [You can also consider budgeting apps](https:\/\/www.experian.com\/blogs\/ask-experian\/best-budgeting-apps\/) such as PocketGuard, You Need a Budget or HoneyDue to help you stick to your budget.\n\n**Learn more:** [Types of Budget Plans to Know About](https:\/\/www.experian.com\/blogs\/ask-experian\/types-of-budget-plans\/)\n\n## 4\\. Automate Savings\nSimplify savings by setting up [automatic transfers](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-create-automatic-savings-plan\/) into your savings account each time you get paid. You can typically do this through your employer or by using your bank's mobile app or website. You may even have the option to [split your savings](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-split-your-direct-deposit-into-multiple-bank-accounts\/) into multiple savings accounts—for example, one account for your emergency fund and another for your upcoming honeymoon.\n\nGrow your savings faster by choosing a [high-yield savings account](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-high-yield-savings-account\/), which typically offers interest earnings significantly higher than those of standard savings accounts.\n\nEarn Money Faster\n\n## Compare high-yield savings accounts\nFind a high-yield savings account with today’s APY. Compare current APY and offers to find the best savings account for you.\n\n## 5\\. Cancel Unused Subscriptions\nCheck your bank and credit card statements each month for recurring subscriptions or memberships, such as streaming services, gym memberships, newspapers or apps. Save money by canceling those you no longer use.\n\n**Learn more:** [How to Manage Your Monthly Subscriptions](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-manage-your-monthly-subscriptions\/)\n\n## 6\\. Buy Generic Brands\nOpting for generic versions of groceries, household items and prescription and non-prescription medications can save you a lot of money. Ask your doctor to prescribe generic versions of your medications whenever possible. Compare ingredients of brand-name and generic over-the-counter medications.\n\n## 7\\. Look for Discounts and Coupons\nFrom restaurants and retailers to supermarkets, gas stations and airlines, just about every business offers rewards programs these days. Joining, which typically involves downloading an app, can give you access to discounts and deals. You can also find discounts by searching online for digital [coupon codes](https:\/\/www.experian.com\/blogs\/ask-experian\/pros-cons-couponing\/) before making a purchase. Don't buy just because there's a discount, though. Shop intentionally, seeking discounts only for things you plan to buy anyway.\n\n## 8\\. Join a Buy Nothing Group\n\"[Buy nothing\" groups](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money-with-buy-nothing-groups\/) can help you save money and prevent waste. Join a group such as Buy Nothing or The Freecycle Network to post items you no longer need, search for items neighbors are giving away or request something you want. Giveaways can range from dog food and baby clothes to sporting goods and furniture. You can also find buy nothing groups on social media.\n\n## 9\\. Shut Down Impulse Spending\nWhen you're bombarded with marketing messages all day long, your willpower can easily weaken. To nip [impulsive shopping](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-avoid-overspending-each-month\/) in the bud, unsubscribe from marketing emails and text alerts; unfollow brands on social media; stop reading blogs or publications that spur you to spend and delete shopping apps from your phone.\n\n**Learn more:** [How to Stop Impulse Spending](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-stop-impulse-spending\/)\n\n## 10\\. Pause Before You Purchase\nMaking it more difficult to make a purchase can help you [stick to a budget](https:\/\/www.experian.com\/blogs\/ask-experian\/ways-to-stay-on-budget\/). Delete your payment card information from shopping websites so you can't just click to buy. Set a rule that you must wait a certain amount of time, such as 72 hours or one week, before making a discretionary purchase. In most cases, once your time limit expires, you'll find you don't want the item anymore.\n\n## 11\\. Cut Utility Usage\nLook for ways to lower your [water](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-lower-water-bill\/), [gas and electricity](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money-electric-bill\/) bills. For example, take shorter showers, install water-saving plumbing fixtures or cut back on watering your lawn. Turn off lights and electronics when not in use. In summer, cool your home with ceiling fans and room-darkening curtains and set your thermostat at 78 degrees to minimize air conditioning use. In cold weather, seal cracks to eliminate drafts; set your thermostat at 68 degrees and dress warmly.\n\n## 12\\. Try a Savings Challenge\nMake a game of saving money by taking a [savings challenge](https:\/\/www.experian.com\/blogs\/ask-experian\/savings-challenges-to-try-this-year\/). Here are a few to try:\n\n- **[52-week challenge](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-do-52-week-money-challenge\/):** Put \\$1 in savings the first week, \\$2 the second week, \\$3 the third week and so on.\n- **Round-up challenge:** Round up every purchase to the nearest dollar and put the difference in savings. For instance, if you buy something for \\$25.15, round up to \\$26 and put 85 cents in savings. Some banks or credit unions let you automatically round up purchases made with your debit card and deposit the savings into your savings account.\n- **[No-spend challenge](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-do-no-spend-challenge\/):** Eliminate all nonessential spending for a certain time—say, one weekend or one month. You can customize your challenge to cut back on \"problem spending\" areas, such as eating out or buying clothes.\n\n## 13\\. Pay Down Debt\nWith the average credit card [annual percentage rate (APR)](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-apr\/) at 22.76% as of May 2024, according to the Federal Deposit Insurance Corp. (FDIC), carrying a balance on your credit card can cost you hundreds of dollars of interest per month. Make a plan to pay down [high-interest debt](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-high-interest-debt\/) so you can put that money toward savings instead. Depending on your budget and needs, consider the [debt avalanche or debt snowball](https:\/\/www.experian.com\/blogs\/ask-experian\/avalanche-vs-snowball-which-repayment-strategy-is-best\/) strategies.\n\n**Learn more:** [How to Get Out of Debt](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/how-to-get-out-of-debt\/)\n\n## 14\\. Consolidate Debt\nConsolidating high-interest debt can help make your payments more manageable so you can [pay off debt](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-and-pay-off-debt-at-the-same-time\/) faster and save on interest. Look for a [debt consolidation loan](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-get-a-debt-consolidation-loan\/) at a lower interest rate than your outstanding debt and use the loan proceeds to pay off your balances. As of May 2024, the average APR on a personal loan was 11.92%—significantly lower than the average credit card APR.\n\nYou can also consolidate debt with a [balance transfer credit card](https:\/\/www.experian.com\/credit-cards\/best-balance-transfer\/) that offers an introductory 0% APR. Transfer your outstanding balances to the card and they won't accrue interest until the promotional 0% APR ends. This can give you time to pay off the balance without incurring additional interest.\n\n**Learn more:** [How to Consolidate Debt](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-consolidate-debt\/)\n\n## 15\\. Reduce Restaurant Spending\nEating at restaurants, buying lunch at work or frequently ordering takeout takes a big bite out of your budget. Instead, save money by cooking and eating at home. If you can't bear to stop dining out altogether, reserve restaurant meals for special occasions. You can also trim your restaurant bill by going for lunch or happy hour, drinking water instead of pricey beverages or ordering appetizers instead of a main course.\n\n## 16\\. Learn to DIY\nHiring experts to hem your pants, cut your kid's hair, change your car's oil or fix a leaky faucet gets expensive fast. Cut costs by finding a how-to video or product manual online and learning how to do it yourself.\n\nIf you prefer hands-on instruction, check offerings from local home improvement stores, garden centers, fabric stores or city recreation departments. For example, many home improvement retailers hold free workshops on topics like painting walls or installing tile.\n\n## 17\\. Cut Your Cable, Phone and Internet Bills\nSave on [cable, phone and internet services](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money-on-cable-phone-internet-bills\/) by exploring alternatives such as switching your plan to a lower-priced option. You might be able to bundle services or downgrade your plan, for example. Cellular service providers often offer discounts if you choose a family and friends plan. You might save on cable TV by cutting the cord and changing to streaming, or reduce internet prices by settling for lower speeds.\n\nWhen in doubt, contact your provider and see what they can do to lower your bill, or sign up for [Experian BillFixer™](https:\/\/www.experian.com\/money\/manage-bills-subscriptions\/) and let someone else do the hard work for you.\n\n## 18\\. Use a Rewards Credit Card\n[Cash back credit cards](https:\/\/www.experian.com\/credit-cards\/best-cash-back\/) can help you get cash back for purchases you'd make anyway. To maximize savings without overspending, look for a [credit card](https:\/\/www.experian.com\/blogs\/ask-experian\/best-ways-to-redeem-credit-card-rewards\/) that rewards you for essential purchases, such as groceries or [gasoline](https:\/\/www.experian.com\/credit-cards\/best-gas\/). To avoid incurring interest that would probably surpass any rewards you earn, always pay the balance in full before your credit card's [grace period](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-grace-period\/) is up.\n\n## 19\\. Shop Around for Insurance Savings\nIt can be tempting to \"set and forget\" your auto or [homeowners insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-homeowners-insurance\/)—but that could be a costly mistake. [Shop for insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/how-often-to-shop-around-for-homeowners-insurance\/) once a year or so, and you may find equivalent or better coverage at a lower cost. Rate-shop fast by using an [insurance comparison site](https:\/\/www.experian.com\/insurance\/car-insurance-quotes\/) like Experian's, which delivers quotes from over 40 top car insurance companies in minutes.\n\n## 20\\. Find Inexpensive Ways to Treat Yourself\n[Avoid budget burnout](https:\/\/www.experian.com\/blogs\/ask-experian\/ways-to-treat-yourself-without-breaking-your-budget\/) by giving yourself small rewards for sticking to your savings plan. Put 50 cents or \\$1 in a jar every day you follow your budget and use it to treat yourself at the end of the month. Look for lower-cost versions of your favorite activities. Instead of a \\$40 manicure, for instance, buy a \\$10 bottle of polish and do your nails at home. If you've eliminated daily lattes, let yourself savor one at the end of the month.\n\n## 21\\. Buddy Up\nHolding yourself accountable can help you stick to your budget. Ask a friend to join you as an [accountability partner](https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-financial-accountability-group\/) and keep you on track. You can also use an [accountability app](https:\/\/www.experian.com\/blogs\/ask-experian\/accountability-apps-to-keep-you-on-budget\/) like BeeMinder or Fabulous to track and support healthy savings habits. Look for social media influencers whose personal financial advice inspires you—just be sure to vet their advice before making drastic changes.\n\n## 22\\. Earn More Money\nReach your savings goals faster by [making more money](https:\/\/www.experian.com\/blogs\/ask-experian\/ways-to-make-more-money-without-asking-for-raise\/). Request extra hours at work, apply for a promotion or better-paying job, or ask your boss for a raise. If your schedule allows, consider getting a part-time job or starting a [side hustle](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-make-extra-money-from-home\/). There are plenty of options, including tutoring, childcare, walking dogs, delivering food, rideshare driving, selling things online and more.\n\n## 23\\. Cut Your Transportation Costs\nCan you work from home a few days a week, or commute via public transportation, carpooling, bicycling, walking or ride-sharing? If so, you could save hundreds of dollars per month compared to driving your car. Some employers even offer stipends or reimbursements for employees who choose [greener transportation](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-money-with-green-transportation\/) options. If these options won't work for your [daily commute](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-save-on-commuting-costs\/), perhaps you can walk, bike or ride a bus to appointments or errands. Driving fewer miles per year could qualify you for [low-mileage car insurance](https:\/\/www.experian.com\/blogs\/ask-experian\/does-mileage-affect-car-insurance\/) discounts too.\n\n## 24\\. Trim Your Housing Expenses\nWhether you rent or own, housing is most people's biggest expense. You may be able to reduce the cost of housing by taking in a roommate or renting out a room in your home. It's sometimes possible to negotiate your lease terms to [lower your rent](https:\/\/www.experian.com\/blogs\/ask-experian\/ways-to-save-money-on-rent\/).\n\nDownsizing your home could reduce not only your mortgage, but also the cost of utilities, home insurance and maintenance. Just be sure to consider moving costs, real estate agent fees and potential tax implications.\n\n**Learn more:** [Financial Pros and Cons of Downsizing Your Home](https:\/\/www.experian.com\/blogs\/ask-experian\/pros-and-cons-of-downsizing-your-home\/)\n\n## 25\\. Find Free or Low-Cost Fun\nKeep saving from being boring by searching out free or inexpensive activities. Go for a hike, take a picnic to the park or visit the community pool. Check out [fun activities](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-make-saving-money-fun\/) your local library has to offer, such as movie rentals, children's story hours and crafts classes. Museums, zoos and other institutions typically have free or discounted entry one day per month or one evening per week.\n\n## 26\\. Swap With Friends and Family\nGet more without spending more by sharing with friends and family instead of buying things. Organize a regular swap where neighbors share items they're willing to lend out or give away. Toys, games, books, clothing, gardening equipment, household items, sporting goods or tools are all fair game. You can either keep what you take or bring items back to the next swap for someone else to use.\n\n## Frequently Asked Questions\nTo figure out [how much to save each month](https:\/\/www.experian.com\/blogs\/ask-experian\/how-much-should-you-save-each-month\/), determine your savings goals, such as buying a home or building an emergency fund. The 50\/30\/20 budgeting method is a simple approach that allocates 20% of your take-home income to savings and paying off debt. If money is very tight, try saving just \\$10 or \\$20 per pay period; it all adds up.\n\nHere are some ways to speed up savings:\n\n- Put any [windfalls](https:\/\/www.experian.com\/blogs\/ask-experian\/how-to-manage-a-windfall\/), such as a bonus at work, tax refund or cash gift, into savings.\n- Keep your savings in a [high-yield savings account](https:\/\/www.experian.com\/blogs\/ask-experian\/reasons-to-put-money-in-high-yield-savings-account\/) to help it grow faster.\n- Do a no-spend challenge, limiting your spending to necessities for a month or longer.\n- Get a part-time job or start a side hustle such as freelancing, rideshare driving or babysitting, to earn more money for savings.\n\nThere's no single best way to save money. However, most people find that setting savings goals, automating savings, reducing discretionary spending, tracking expenses and setting a realistic budget are key to success.\n\nIt's also important to stay motivated and reward yourself for saving. Review the 26 ideas above to see which ones make sense for you and try a combination of the tips to see what works best.\n\n## The Bottom Line\nAnother way to save money: Maintain a [good credit score](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/score-basics\/what-is-a-good-credit-score\/). Good credit can help you qualify for lower interest rates on credit cards and loans, reducing the cost of borrowing money. You can check your [credit score and credit report](https:\/\/www.experian.com\/credit\/credit-score\/) for free to see where you stand. If your credit score isn't where you want it, paying down debt, keeping credit utilization low and paying your bills on time can help [improve it](https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/improving-credit\/improve-credit-score\/), which could make it easier to reach your savings goals.","meta_canonical":null}

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Boilerpipe Text	Whether you're aiming for a solid emergency fund or a secure retirement, achieving your financial goals starts with a smart approach to saving. Fortunately, saving money can be easier than you may think. Put aside just $13.70 per day, and at the end of the year you'll have $5,000; double that to $27.39 daily and you'll have $10,000 by year-end—and that doesn't include the interest you may earn. You can save money by making a budget, automating savings, reducing discretionary spending and seeking discounts. Here are 26 ways to save money. Set a goal Track expenses Make a budget Automate savings Cancel unused subscriptions Buy generic brands Look for discounts and coupons Join a buy nothing group Shut down impulse spending Pause before you purchase Cut utility usage Try a savings challenge Pay down debt Consolidate debt Reduce restaurant spending Learn to DIY Cut you cable, phone and internet bills Use a rewards credit card Shop around for insurance savings Find inexpensive ways to treat yourself Buddy up Earn more money Cut your transportation costs Trim your housing expenses Find free or low-cost fun Swap with friends and family 1. Set a Goal Having a goal to work toward will help you determine how much to save—and help you stay motivated to stick to your savings plan. For example, you might want to save up for a vacation or a down payment on a new car. Maybe you'd like to build an emergency fund so you can stop relying on credit cards for unexpected expenses. Figure out when you want to achieve your goal and how much you'll need to save each month to do so. 2. Track Expenses Tracking your spending for a month or so can be eye-opening and may reveal easy ways to save. You can track your expenses using paper and pencil, a spreadsheet on your computer or the note-taking app on your phone. Some banks offer expense-tracking apps. You can also download an expense tracker app such as Dollarbird, Fudget or GoodBudget. Many expense-tracking apps include budgeting features too. 3. Make a Budget Following a budget helps ensure your monthly spending doesn't exceed your income. To make a budget, determine your monthly income after taxes, as well as your monthly fixed and variable expenses . Also include things like property taxes, car maintenance, holiday gifts and other quarterly or annual expenses. There are plenty of ways to budget. The 50/30/20 budgeting method is a popular option in which 50% of your after-tax income goes to necessities, 30% goes to discretionary spending and 20% goes to savings or paying off debt. If you want to account for every dollar, you can try zero-based budgeting . You can also consider budgeting apps such as PocketGuard, You Need a Budget or HoneyDue to help you stick to your budget. Learn more: Types of Budget Plans to Know About 4. Automate Savings Simplify savings by setting up automatic transfers into your savings account each time you get paid. You can typically do this through your employer or by using your bank's mobile app or website. You may even have the option to split your savings into multiple savings accounts—for example, one account for your emergency fund and another for your upcoming honeymoon. Grow your savings faster by choosing a high-yield savings account , which typically offers interest earnings significantly higher than those of standard savings accounts. Earn Money Faster Compare high-yield savings accounts Find a high-yield savings account with today’s APY. Compare current APY and offers to find the best savings account for you. 5. Cancel Unused Subscriptions Check your bank and credit card statements each month for recurring subscriptions or memberships, such as streaming services, gym memberships, newspapers or apps. Save money by canceling those you no longer use. Learn more: How to Manage Your Monthly Subscriptions 6. Buy Generic Brands Opting for generic versions of groceries, household items and prescription and non-prescription medications can save you a lot of money. Ask your doctor to prescribe generic versions of your medications whenever possible. Compare ingredients of brand-name and generic over-the-counter medications. 7. Look for Discounts and Coupons From restaurants and retailers to supermarkets, gas stations and airlines, just about every business offers rewards programs these days. Joining, which typically involves downloading an app, can give you access to discounts and deals. You can also find discounts by searching online for digital coupon codes before making a purchase. Don't buy just because there's a discount, though. Shop intentionally, seeking discounts only for things you plan to buy anyway. 8. Join a Buy Nothing Group " Buy nothing" groups can help you save money and prevent waste. Join a group such as Buy Nothing or The Freecycle Network to post items you no longer need, search for items neighbors are giving away or request something you want. Giveaways can range from dog food and baby clothes to sporting goods and furniture. You can also find buy nothing groups on social media. 9. Shut Down Impulse Spending When you're bombarded with marketing messages all day long, your willpower can easily weaken. To nip impulsive shopping in the bud, unsubscribe from marketing emails and text alerts; unfollow brands on social media; stop reading blogs or publications that spur you to spend and delete shopping apps from your phone. Learn more: How to Stop Impulse Spending 10. Pause Before You Purchase Making it more difficult to make a purchase can help you stick to a budget . Delete your payment card information from shopping websites so you can't just click to buy. Set a rule that you must wait a certain amount of time, such as 72 hours or one week, before making a discretionary purchase. In most cases, once your time limit expires, you'll find you don't want the item anymore. 11. Cut Utility Usage Look for ways to lower your water , gas and electricity bills. For example, take shorter showers, install water-saving plumbing fixtures or cut back on watering your lawn. Turn off lights and electronics when not in use. In summer, cool your home with ceiling fans and room-darkening curtains and set your thermostat at 78 degrees to minimize air conditioning use. In cold weather, seal cracks to eliminate drafts; set your thermostat at 68 degrees and dress warmly. 12. Try a Savings Challenge Make a game of saving money by taking a savings challenge . Here are a few to try: 52-week challenge : Put $1 in savings the first week, $2 the second week, $3 the third week and so on. Round-up challenge: Round up every purchase to the nearest dollar and put the difference in savings. For instance, if you buy something for $25.15, round up to $26 and put 85 cents in savings. Some banks or credit unions let you automatically round up purchases made with your debit card and deposit the savings into your savings account. No-spend challenge : Eliminate all nonessential spending for a certain time—say, one weekend or one month. You can customize your challenge to cut back on "problem spending" areas, such as eating out or buying clothes. 13. Pay Down Debt With the average credit card annual percentage rate (APR) at 22.76% as of May 2024, according to the Federal Deposit Insurance Corp. (FDIC), carrying a balance on your credit card can cost you hundreds of dollars of interest per month. Make a plan to pay down high-interest debt so you can put that money toward savings instead. Depending on your budget and needs, consider the debt avalanche or debt snowball strategies. Learn more: How to Get Out of Debt 14. Consolidate Debt Consolidating high-interest debt can help make your payments more manageable so you can pay off debt faster and save on interest. Look for a debt consolidation loan at a lower interest rate than your outstanding debt and use the loan proceeds to pay off your balances. As of May 2024, the average APR on a personal loan was 11.92%—significantly lower than the average credit card APR. You can also consolidate debt with a balance transfer credit card that offers an introductory 0% APR. Transfer your outstanding balances to the card and they won't accrue interest until the promotional 0% APR ends. This can give you time to pay off the balance without incurring additional interest. Learn more: How to Consolidate Debt 15. Reduce Restaurant Spending Eating at restaurants, buying lunch at work or frequently ordering takeout takes a big bite out of your budget. Instead, save money by cooking and eating at home. If you can't bear to stop dining out altogether, reserve restaurant meals for special occasions. You can also trim your restaurant bill by going for lunch or happy hour, drinking water instead of pricey beverages or ordering appetizers instead of a main course. 16. Learn to DIY Hiring experts to hem your pants, cut your kid's hair, change your car's oil or fix a leaky faucet gets expensive fast. Cut costs by finding a how-to video or product manual online and learning how to do it yourself. If you prefer hands-on instruction, check offerings from local home improvement stores, garden centers, fabric stores or city recreation departments. For example, many home improvement retailers hold free workshops on topics like painting walls or installing tile. 17. Cut Your Cable, Phone and Internet Bills Save on cable, phone and internet services by exploring alternatives such as switching your plan to a lower-priced option. You might be able to bundle services or downgrade your plan, for example. Cellular service providers often offer discounts if you choose a family and friends plan. You might save on cable TV by cutting the cord and changing to streaming, or reduce internet prices by settling for lower speeds. When in doubt, contact your provider and see what they can do to lower your bill, or sign up for Experian BillFixer™ and let someone else do the hard work for you. 18. Use a Rewards Credit Card Cash back credit cards can help you get cash back for purchases you'd make anyway. To maximize savings without overspending, look for a credit card that rewards you for essential purchases, such as groceries or gasoline . To avoid incurring interest that would probably surpass any rewards you earn, always pay the balance in full before your credit card's grace period is up. 19. Shop Around for Insurance Savings It can be tempting to "set and forget" your auto or homeowners insurance —but that could be a costly mistake. Shop for insurance once a year or so, and you may find equivalent or better coverage at a lower cost. Rate-shop fast by using an insurance comparison site like Experian's, which delivers quotes from over 40 top car insurance companies in minutes. 20. Find Inexpensive Ways to Treat Yourself Avoid budget burnout by giving yourself small rewards for sticking to your savings plan. Put 50 cents or $1 in a jar every day you follow your budget and use it to treat yourself at the end of the month. Look for lower-cost versions of your favorite activities. Instead of a $40 manicure, for instance, buy a $10 bottle of polish and do your nails at home. If you've eliminated daily lattes, let yourself savor one at the end of the month. 21. Buddy Up Holding yourself accountable can help you stick to your budget. Ask a friend to join you as an accountability partner and keep you on track. You can also use an accountability app like BeeMinder or Fabulous to track and support healthy savings habits. Look for social media influencers whose personal financial advice inspires you—just be sure to vet their advice before making drastic changes. 22. Earn More Money Reach your savings goals faster by making more money . Request extra hours at work, apply for a promotion or better-paying job, or ask your boss for a raise. If your schedule allows, consider getting a part-time job or starting a side hustle . There are plenty of options, including tutoring, childcare, walking dogs, delivering food, rideshare driving, selling things online and more. 23. Cut Your Transportation Costs Can you work from home a few days a week, or commute via public transportation, carpooling, bicycling, walking or ride-sharing? If so, you could save hundreds of dollars per month compared to driving your car. Some employers even offer stipends or reimbursements for employees who choose greener transportation options. If these options won't work for your daily commute , perhaps you can walk, bike or ride a bus to appointments or errands. Driving fewer miles per year could qualify you for low-mileage car insurance discounts too. 24. Trim Your Housing Expenses Whether you rent or own, housing is most people's biggest expense. You may be able to reduce the cost of housing by taking in a roommate or renting out a room in your home. It's sometimes possible to negotiate your lease terms to lower your rent . Downsizing your home could reduce not only your mortgage, but also the cost of utilities, home insurance and maintenance. Just be sure to consider moving costs, real estate agent fees and potential tax implications. Learn more: Financial Pros and Cons of Downsizing Your Home 25. Find Free or Low-Cost Fun Keep saving from being boring by searching out free or inexpensive activities. Go for a hike, take a picnic to the park or visit the community pool. Check out fun activities your local library has to offer, such as movie rentals, children's story hours and crafts classes. Museums, zoos and other institutions typically have free or discounted entry one day per month or one evening per week. 26. Swap With Friends and Family Get more without spending more by sharing with friends and family instead of buying things. Organize a regular swap where neighbors share items they're willing to lend out or give away. Toys, games, books, clothing, gardening equipment, household items, sporting goods or tools are all fair game. You can either keep what you take or bring items back to the next swap for someone else to use. Frequently Asked Questions To figure out how much to save each month , determine your savings goals, such as buying a home or building an emergency fund. The 50/30/20 budgeting method is a simple approach that allocates 20% of your take-home income to savings and paying off debt. If money is very tight, try saving just $10 or $20 per pay period; it all adds up. Here are some ways to speed up savings: Put any windfalls , such as a bonus at work, tax refund or cash gift, into savings. Keep your savings in a high-yield savings account to help it grow faster. Do a no-spend challenge, limiting your spending to necessities for a month or longer. Get a part-time job or start a side hustle such as freelancing, rideshare driving or babysitting, to earn more money for savings. There's no single best way to save money. However, most people find that setting savings goals, automating savings, reducing discretionary spending, tracking expenses and setting a realistic budget are key to success. It's also important to stay motivated and reward yourself for saving. Review the 26 ideas above to see which ones make sense for you and try a combination of the tips to see what works best. The Bottom Line Another way to save money: Maintain a good credit score . Good credit can help you qualify for lower interest rates on credit cards and loans, reducing the cost of borrowing money. You can check your credit score and credit report for free to see where you stand. If your credit score isn't where you want it, paying down debt, keeping credit utilization low and paying your bills on time can help improve it , which could make it easier to reach your savings goals.
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[Factors that impact car insurance rates](https://www.experian.com/blogs/ask-experian/factors-that-determine-your-car-insurance-rates/) - [How accidents affect insurance](https://www.experian.com/blogs/ask-experian/how-long-does-an-accident-stay-on-your-insurance/) - [Liability vs. full coverage car insurance](https://www.experian.com/blogs/ask-experian/liability-vs-full-coverage-car-insurance/) [Sign in](https://www.experian.com/help/login/) - [Consumer](https://www.experian.com/) - [Small Business](https://www.experian.com/small-business/) - [Business](https://www.experian.com/business/) - [Consumer Support](https://www.experian.com/help/) - [Financial Guidance](https://www.experian.com/blogs/ask-experian/) - [Global Sites](https://www.experianplc.com/contact-us/region/) Advertiser Disclosure - / - [Personal finance](https://www.experian.com/blogs/ask-experian/category/personal-finance/) / - [Saving](https://www.experian.com/blogs/ask-experian/category/personal-finance/saving/) # 26 Simple Ways to Save Money ![Karen Axelton profile image](https://www.experian.com/static/blog/profiles-byline/karen-axelton.webp)By [Karen Axelton](https://www.experian.com/blogs/ask-experian/author/karen-axelton/) 10 min readJul 29, 2024 ![Light bulb icon.](https://www.experian.com/static/shared/icons/icon-light-bulb.svg) ## Quick Answer To save money, try new strategies such as setting a savings goal, tracking your spending, making a budget, reducing discretionary expenses, trying a savings challenge and paying down debt. ![Woman holding paper various expense bills and plans for personal finances at her home.](https://www.experian.com/blogs/ask-experian/wp-content/uploads/looking-over-bill-saving-money.jpg.webp) Whether you're aiming for a solid emergency fund or a secure retirement, achieving your financial goals starts with a smart approach to saving. Fortunately, saving money can be easier than you may think. Put aside just \$13.70 per day, and at the end of the year you'll have \$5,000; double that to \$27.39 daily and you'll have \$10,000 by year-end—and that doesn't include the interest you may earn. You can save money by making a budget, automating savings, reducing discretionary spending and seeking discounts. Here are 26 ways to save money. 1. [Set a goal](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a1) 2. [Track expenses](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a2) 3. [Make a budget](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a3) 4. [Automate savings](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a4) 5. [Cancel unused subscriptions](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a5) 6. [Buy generic brands](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a6) 7. [Look for discounts and coupons](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a7) 8. [Join a buy nothing group](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a8) 9. [Shut down impulse spending](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a9) 10. [Pause before you purchase](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a10) 11. [Cut utility usage](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a11) 12. [Try a savings challenge](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a12) 13. [Pay down debt](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a13) 14. [Consolidate debt](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a14) 15. [Reduce restaurant spending](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a15) 16. [Learn to DIY](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a16) 17. [Cut you cable, phone and internet bills](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a17) 18. [Use a rewards credit card](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a18) 19. [Shop around for insurance savings](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a19) 20. [Find inexpensive ways to treat yourself](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a20) 21. [Buddy up](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a21) 22. [Earn more money](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a22) 23. [Cut your transportation costs](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a23) 24. [Trim your housing expenses](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a24) 25. [Find free or low-cost fun](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a25) 26. [Swap with friends and family](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a26) ## 1\. Set a Goal Having a goal to work toward will help you determine how much to save—and help you [stay motivated](https://www.experian.com/blogs/ask-experian/how-to-stay-motivated-to-save/) to stick to your savings plan. For example, you might want to save up for a vacation or a down payment on a new car. Maybe you'd like to build an [emergency fund](https://www.experian.com/blogs/ask-experian/how-to-build-an-emergency-fund/) so you can stop relying on credit cards for unexpected expenses. Figure out when you want to achieve your goal and how much you'll need to save each month to do so. ## 2\. Track Expenses Tracking your spending for a month or so can be eye-opening and may reveal easy ways to save. You can [track your expenses](https://www.experian.com/blogs/ask-experian/how-to-track-your-expenses/) using paper and pencil, a spreadsheet on your computer or the note-taking app on your phone. Some banks offer expense-tracking apps. You can also download an expense tracker app such as Dollarbird, Fudget or GoodBudget. Many expense-tracking apps include budgeting features too. ## 3\. Make a Budget [Following a budget](https://www.experian.com/blogs/ask-experian/what-is-a-budget/) helps ensure your monthly spending doesn't exceed your income. To make a budget, determine your monthly income after taxes, as well as your monthly [fixed and variable expenses](https://www.experian.com/blogs/ask-experian/how-to-budget-for-fixed-and-variable-expenses/). Also include things like property taxes, car maintenance, holiday gifts and other quarterly or annual expenses. There are plenty of ways to budget. The [50/30/20 budgeting method](https://www.experian.com/blogs/ask-experian/what-is-the-50-30-20-rule/) is a popular option in which 50% of your after-tax income goes to necessities, 30% goes to discretionary spending and 20% goes to savings or paying off debt. If you want to account for every dollar, you can try [zero-based budgeting](https://www.experian.com/blogs/ask-experian/what-is-zero-based-budgeting/). [You can also consider budgeting apps](https://www.experian.com/blogs/ask-experian/best-budgeting-apps/) such as PocketGuard, You Need a Budget or HoneyDue to help you stick to your budget. Learn more: [Types of Budget Plans to Know About](https://www.experian.com/blogs/ask-experian/types-of-budget-plans/) ## 4\. Automate Savings Simplify savings by setting up [automatic transfers](https://www.experian.com/blogs/ask-experian/how-to-create-automatic-savings-plan/) into your savings account each time you get paid. You can typically do this through your employer or by using your bank's mobile app or website. You may even have the option to [split your savings](https://www.experian.com/blogs/ask-experian/how-to-split-your-direct-deposit-into-multiple-bank-accounts/) into multiple savings accounts—for example, one account for your emergency fund and another for your upcoming honeymoon. Grow your savings faster by choosing a [high-yield savings account](https://www.experian.com/blogs/ask-experian/what-is-a-high-yield-savings-account/), which typically offers interest earnings significantly higher than those of standard savings accounts. Earn Money Faster ## Compare high-yield savings accounts Find a high-yield savings account with today’s APY. Compare current APY and offers to find the best savings account for you. Sponsored Advertiser Disclosure Advertiser Disclosure Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. \APY (Annual Percentage Yield). Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches. Compare Personal Finance Options for 2021 Select all products of interest and compare: Product Descriptions Product Descriptions Checking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. Checking Accounts Savings Accounts Certificates of Deposit Retirement Accounts Real Estate Investment Investment Accounts Annuity VIEW All Business Checking VIEW LESS Please select one or more products to compare 9 Results Product Descriptions ![Cash App](https://cdn.nextinsure.com/imaging/opt?u=aHR0cHM6Ly9pbWFnZXNlcnZlci5xdWluc3RyZWV0LmNvbS9jb250ZW50L29uZS8zODQyL0Nhc2hBcHBfTG9nbys0OTZ4MjQ4LmpwZw%3D%3D) Cash App : Savings Disclosure Disclosure 1Customers can qualify for Cash App Green by spending \$500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing \$300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See [Terms and Conditions](https://cash.app/legal/us/en-us/tos) for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending \$500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing \$300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change. Round Ups provided by Cash App, a Block, Inc. brand. With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to \$250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand. VIEW DETAILS on Cash App's website Annual Percentage Yield Up to 3.25% as of 4/10/2026 Monthly Fee \$0 Min to Earn APY \$1 Disclosure Disclosure 1Customers can qualify for Cash App Green by spending \$500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing \$300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See [Terms and Conditions](https://cash.app/legal/us/en-us/tos) for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending \$500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing \$300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change. Round Ups provided by Cash App, a Block, Inc. brand. With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to \$250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand. VIEW DETAILS on Cash App's website Additional Features - Unlock Cash App's highest savings interest offer of up to 3.25%1 - Set goals and save automatically when you get paid or spend with your Cash App Card using Round Ups - No monthly fees or minimum balance - 24/7 fraud monitoring and prevention Additional Features - Unlock Cash App's highest savings interest offer of up to 3.25%1 - Set goals and save automatically when you get paid or spend with your Cash App Card using Round Ups - No monthly fees or minimum balance - 24/7 fraud monitoring and prevention ![image pixel]() ![Capital One](https://cdn.nextinsure.com/imaging/opt?u=aHR0cHM6Ly9pbWFnZXNlcnZlci5xdWluc3RyZWV0LmNvbS9jb250ZW50L29uZS85Nzg4Lzk1NTM4NThkLWJhYzQtNGEyNS04YTE1LWI3YWMzOGFkZTJjMy5qcGc%3D) Capital One : 360 Performance Savings Member FDIC Disclosure Disclosure Advertised Annual Percentage Yield (APY) is variable and accurate as of Apr 10th 2026. Rates are subject to change at any time before or after account opening. VIEW DETAILS on Capital One's website Annual Percentage Yield 3\.20% as of 4/10/2026 Monthly Fee \$0 Min Deposit to Earn APY \$0 Member FDIC Disclosure Disclosure Advertised Annual Percentage Yield (APY) is variable and accurate as of Apr 10th 2026. Rates are subject to change at any time before or after account opening. VIEW DETAILS on Capital One's website Additional Features - There are no monthly fees to get between you and your money. Zero never sounded so good. - Got about 5 minutes? That’s all the time it takes to open an account. - Manage your savings on the go with our top-rated mobile app. - With 24/7 access to your account, you can bank on your own schedule. Additional Features - There are no monthly fees to get between you and your money. Zero never sounded so good. - Got about 5 minutes? That’s all the time it takes to open an account. - Manage your savings on the go with our top-rated mobile app. - With 24/7 access to your account, you can bank on your own schedule. ![image pixel]() ![Barclays](https://cdn.nextinsure.com/imaging/opt?u=aHR0cHM6Ly9pbWFnZXNlcnZlci5xdWluc3RyZWV0LmNvbS9jb250ZW50L29uZS84ODU3L0JhcmNsYXlzIExvZ28gLSA0OTZ4MjgwIC0gUE5HLnBuZw%3D%3D) Barclays : Tiered Savings Account Member FDIC VIEW DETAILS on Barclays's website Annual Percentage Yield 3\.85% as of 4/10/2026 Monthly Fee \$0 Min Deposit to Earn APY \$0 Member FDIC VIEW DETAILS on Barclays's website Additional Features - Plus, earn 3.85% APY with a minimum balance of \$250,000 - Earn 7X the national average - No monthly maintenance fees - Secure and easy online account access Additional Features - Plus, earn 3.85% APY with a minimum balance of \$250,000 - Earn 7X the national average - No monthly maintenance fees - Secure and easy online account access ![image pixel]() VIEW MORE LISTINGS ![Bread Financial](https://cdn.nextinsure.com/imaging/opt?u=aHR0cHM6Ly9pbWFnZXNlcnZlci5xdWluc3RyZWV0LmNvbS9jb250ZW50L29uZS81MTkxL0JyZWFkIExvZ28ucG5n) Bread Financial : High Yield Savings Member FDIC Disclosure Disclosure All Bread Savings APYs are accurate as of 1/15/26. APYs are subject to change at any time without notice. Offers apply to personal accounts only. Fees may reduce earnings. For high-yield savings accounts, a minimum of \$100 is required and must be deposited in a single transaction. For high-yield savings accounts, the rate may change after the account is opened. Rates are compared against competitor rates published by Bankrate.com and the institutions themselves as of 1/8/26. Bankrate.com obtains the data from the various banks that it tracks and its accuracy cannot be guaranteed. VIEW DETAILS on Bread Financial's website Annual Percentage Yield 4\.00% as of 4/10/2026 Monthly Fee \$0 Minimum Opening Deposit \$100 Member FDIC Disclosure Disclosure All Bread Savings APYs are accurate as of 1/15/26. APYs are subject to change at any time without notice. Offers apply to personal accounts only. Fees may reduce earnings. For high-yield savings accounts, a minimum of \$100 is required and must be deposited in a single transaction. For high-yield savings accounts, the rate may change after the account is opened. Rates are compared against competitor rates published by Bankrate.com and the institutions themselves as of 1/8/26. Bankrate.com obtains the data from the various banks that it tracks and its accuracy cannot be guaranteed. VIEW DETAILS on Bread Financial's website Additional Features - HYSA's are competitive - \$100 minimum opening deposit - No monthly fees on savings accounts - Competitive Rates Additional Features - HYSA's are competitive - \$100 minimum opening deposit - No monthly fees on savings accounts - Competitive Rates ![image pixel]() New Customer Only ![Valley Direct](https://cdn.nextinsure.com/imaging/opt?u=aHR0cHM6Ly9pbWFnZXNlcnZlci5xdWluc3RyZWV0LmNvbS9jb250ZW50L29uZS82ODMyL1ZhbGxleURpcmVjdF9Mb2dvXzQ5NngyODAuanBn) Valley Direct : High Yield Savings Account Member FDIC VIEW DETAILS on Valley Direct's website Annual Percentage Yield 4\.00% as of 4/10/2026 Min to Open \$1,000 Min to Earn APY \$0.01 Member FDIC VIEW DETAILS on Valley Direct's website Additional Features - New customers only - \$1,000 minimum account opening deposit required - There's no need to go to a branch or lock away your money. Add to your account to take advantage of our great rate or take funds out as needed - It's easy to grow your savings with digital transfers or mobile deposits, and you can automate your savings with direct deposits or scheduled transfers - Don't worry about maintenance charges because we don't have them Additional Features - New customers only - \$1,000 minimum account opening deposit required - There's no need to go to a branch or lock away your money. Add to your account to take advantage of our great rate or take funds out as needed - It's easy to grow your savings with digital transfers or mobile deposits, and you can automate your savings with direct deposits or scheduled transfers - Don't worry about maintenance charges because we don't have them ![image pixel]() Limited Time Offer for New and Existing Customers ![CIT](https://cdn.nextinsure.com/imaging/opt?u=aHR0cHM6Ly9pbWFnZXNlcnZlci5xdWluc3RyZWV0LmNvbS9jb250ZW50L29uZS83MDA4L0NJVF9Mb2dvXzQ5NngyNDhfSnVseTIwMjUuanBn) CIT : Platinum Savings Account Member FDIC Disclosure Disclosure 1\. This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria. Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to \$9,999,999.00. Account balances above \$9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate. The Promotion begins on February 13, 2026, and ends May 31, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions. The promotion can end at any time without notice. 2\. Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. \APYs — Annual Percentage Yields are accurate as of January 9, 2026: 0.25% APY on balances of \$0.01 to \$4,999.99; 3.75% APY on balances of \$5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is \$100. Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of February 17, 2026. For complete terms and conditions, please see [CIT Bank Platinum Savings APY Boost Promotion](https://www.cit.com/cit-bank/platinum-savings/boost). VIEW DETAILS on CIT's website Annual Percentage Yield 4\.10% as of 4/10/2026 Monthly Fee \$0 Min to Earn APY \$5,000 Member FDIC Disclosure Disclosure 1\. This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria. Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to \$9,999,999.00. Account balances above \$9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate. The Promotion begins on February 13, 2026, and ends May 31, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions. The promotion can end at any time without notice. 2\. Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. \APYs — Annual Percentage Yields are accurate as of January 9, 2026: 0.25% APY on balances of \$0.01 to \$4,999.99; 3.75% APY on balances of \$5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is \$100. Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of February 17, 2026. For complete terms and conditions, please see [CIT Bank Platinum Savings APY Boost Promotion](https://www.cit.com/cit-bank/platinum-savings/boost). VIEW DETAILS on CIT's website Additional Features - Limited time offer for new and existing customers. Use promo code to qualify: CITBoost - With 6 month boost, you can earn: 0.60% APY on a balance less than \$5,000 or 4.10% APY on a balance over \$5,0001 - After the boost is completed, you will continue to earn our best standard rates: 0.25% APY on a balance less than \$5,000 or 3.75% APY on a balance over \$5,0002 - Grow your savings faster than traditional banks with the Platinum Savings account. No monthly service fees. No account opening fees. Additional Features - Limited time offer for new and existing customers. Use promo code to qualify: CITBoost - With 6 month boost, you can earn: 0.60% APY on a balance less than \$5,000 or 4.10% APY on a balance over \$5,0001 - After the boost is completed, you will continue to earn our best standard rates: 0.25% APY on a balance less than \$5,000 or 3.75% APY on a balance over \$5,0002 - Grow your savings faster than traditional banks with the Platinum Savings account. No monthly service fees. No account opening fees. ![image pixel]() ![Axos ONE\<sup\>®\</sup\>](https://cdn.nextinsure.com/imaging/opt?u=aHR0cHM6Ly9pbWFnZXNlcnZlci5xdWluc3RyZWV0LmNvbS9jb250ZW50L29uZS8zMjQ2L0F4b3MgQmFuayBMb2dvIC0gNDk2eDI4MC5wbmc%3D) Axos ONE® : Savings FDIC Insured Disclosure Disclosure \The Annual Percentage Yield (APY) is accurate as of 3/4/2026. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings. Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below. The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY. Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period: Option 1 1. Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least \$1,500 in total. 2. The average daily balance of your Axos ONE® Checking account is at least \$1,500. Option 2 1. Your Axos ONE® Checking account has received monthly qualifying deposits of at least \$5,000 in total. 2. The average daily balance of your Axos ONE® Checking account is at least \$5,000. If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period: - The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met. - The Axos ONE® Savings account will earn a promotional rate of 4.21% APY on the first \$249,999.99 and 3.50% APY on any additional balance for the statement cycle in which the requirements are met. The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month. A direct deposit is an electronic ACH deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., real time payments, online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit. Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) mobile check deposits, (iv) real time payments. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds, (v) ATM deposits. Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account. VIEW DETAILS on Axos ONE®'s website Annual Percentage Yield 4\.21% as of 4/10/2026 Monthly Fee \$0 Min to Earn APY \$0 FDIC Insured Disclosure Disclosure \The Annual Percentage Yield (APY) is accurate as of 3/4/2026. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings. Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below. The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY. Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period: Option 1 1. Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least \$1,500 in total. 2. The average daily balance of your Axos ONE® Checking account is at least \$1,500. Option 2 1. Your Axos ONE® Checking account has received monthly qualifying deposits of at least \$5,000 in total. 2. The average daily balance of your Axos ONE® Checking account is at least \$5,000. If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period: - The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met. - The Axos ONE® Savings account will earn a promotional rate of 4.21% APY on the first \$249,999.99 and 3.50% APY on any additional balance for the statement cycle in which the requirements are met. The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month. A direct deposit is an electronic ACH deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., real time payments, online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit. Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) mobile check deposits, (iv) real time payments. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds, (v) ATM deposits. Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account. VIEW DETAILS on Axos ONE®'s website Additional Features - Earn up to 4.21% APY on savings, and 0.51% APY on checking when you meet requirements. - Get your money up to 2 days early. You’ve earned it, so start earning on it. - Earn more, with no hidden hoops or restrictive caps. - Deposit accounts FDIC insured up to \$250K individual and \$500K joint. - Access a network of over 95,000 fee-free ATMs. - Tiered variable APY. Balance & activity requirements apply. Learn more. Additional Features - Earn up to 4.21% APY on savings, and 0.51% APY on checking when you meet requirements. - Get your money up to 2 days early. You’ve earned it, so start earning on it. - Earn more, with no hidden hoops or restrictive caps. - Deposit accounts FDIC insured up to \$250K individual and \$500K joint. - Access a network of over 95,000 fee-free ATMs. - Tiered variable APY. Balance & activity requirements apply. Learn more. ![image pixel]() ![American Express National Bank](https://cdn.nextinsure.com/imaging/opt?u=aHR0cHM6Ly9pbWFnZXNlcnZlci5xdWluc3RyZWV0LmNvbS9jb250ZW50L29uZS81Mzk1L0FtZXhfTWF5MjAyMl9Mb2dvXzQ5NngyODAuanBn) American Express National Bank : Savings Account Member FDIC Disclosure Disclosure 1The Annual Percentage Yield (APY) as advertised is accurate as of 3/18/26. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened. Interest Rate and APY of a Certificate of Deposit account is fixed once the account is funded. 2There is no minimum balance required to open your Account, to avoid being charged a fee, or to obtain the Annual Percentage Yield (APY) disclosed to you. VIEW DETAILS on American Express National Bank's website Annual Percentage Yield 3\.20%1 as of 4/10/2026 Monthly Fee \$0 Min Deposit to Earn APY \$0 Member FDIC Disclosure Disclosure 1The Annual Percentage Yield (APY) as advertised is accurate as of 3/18/26. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened. Interest Rate and APY of a Certificate of Deposit account is fixed once the account is funded. 2There is no minimum balance required to open your Account, to avoid being charged a fee, or to obtain the Annual Percentage Yield (APY) disclosed to you. VIEW DETAILS on American Express National Bank's website Additional Features - No minimum balance2 and no monthly fees. - Strengthened by the service and reliability of American Express. - Easy access to your money and 24/7 world-class customer service. - Manage your account online with simple transfers and recurring deposits. - Annual Percentage Yield is subject to change. Additional Features - No minimum balance2 and no monthly fees. - Strengthened by the service and reliability of American Express. - Easy access to your money and 24/7 world-class customer service. - Manage your account online with simple transfers and recurring deposits. - Annual Percentage Yield is subject to change. ![image pixel]() Limited Time Offer ![Premium Savings Account](https://cdn.nextinsure.com/imaging/opt?u=aHR0cHM6Ly9pbWFnZXNlcnZlci5xdWluc3RyZWV0LmNvbS9jb250ZW50L29uZS8yOTQ1L0VfVHJhZGUgbmV3IGxvZ28ucG5n) Premium Savings Account Disclosure Disclosure 1This offer is only valid for a new Premium Savings Account (“PSA”). This offer is not valid for Checking, Max-Rate Checking or line of credit accounts that MSPBNA or its affiliates offer. IRA and non-IRA Brokerage accounts are ineligible. The Promotional Annual Percentage Yield (“Promotional APY”) will be automatically applied to the account and will remain effective for 180 days (the “Promotion Period”), after which it will automatically revert to the Standard Annual Percentage Yield (“Standard APY”) without requiring any action from you. Accounts must be opened by May 20, 2026 to qualify for the Promotional APY. No minimum balance required, and the offer may be withdrawn at any time. Excludes non-U.S. residents, and residents of any jurisdiction where this offer is not valid. Other restrictions may apply. Please visit [etrade.com/premiumsavings](https://us.etrade.com/bank/premium-savings-account) for more information. 2No minimum initial deposit is required to open an account. However, account must be funded within 90 days to remain open. 3 The Premium Savings Account gives Morgan Stanley Private Bank, National Associate, Member FDIC the ability to send any amount held on deposit in your Premium Savings Account to other depository accounts at Federal Deposit Insurance Corporation ("FDIC") member banks with the purpose of affording you additional FDIC insurance coverage. It is designed to offer up to \$500,000 in FDIC coverage to individual accounts (up to \$1 million for joint accounts). Certain conditions must be met. Learn more on [etrade.com](https://us.etrade.com/l/f/agreement-library/premium-savings-bank-deposit-program). VIEW DETAILS on Premium Savings Account's website Annual Percentage Yield 4\.00%1 as of 4/10/2026 Monthly Fees \$0 Min to Earn APY \$0 Disclosure Disclosure 1This offer is only valid for a new Premium Savings Account (“PSA”). This offer is not valid for Checking, Max-Rate Checking or line of credit accounts that MSPBNA or its affiliates offer. IRA and non-IRA Brokerage accounts are ineligible. The Promotional Annual Percentage Yield (“Promotional APY”) will be automatically applied to the account and will remain effective for 180 days (the “Promotion Period”), after which it will automatically revert to the Standard Annual Percentage Yield (“Standard APY”) without requiring any action from you. Accounts must be opened by May 20, 2026 to qualify for the Promotional APY. No minimum balance required, and the offer may be withdrawn at any time. Excludes non-U.S. residents, and residents of any jurisdiction where this offer is not valid. Other restrictions may apply. Please visit [etrade.com/premiumsavings](https://us.etrade.com/bank/premium-savings-account) for more information. 2No minimum initial deposit is required to open an account. However, account must be funded within 90 days to remain open. 3 The Premium Savings Account gives Morgan Stanley Private Bank, National Associate, Member FDIC the ability to send any amount held on deposit in your Premium Savings Account to other depository accounts at Federal Deposit Insurance Corporation ("FDIC") member banks with the purpose of affording you additional FDIC insurance coverage. It is designed to offer up to \$500,000 in FDIC coverage to individual accounts (up to \$1 million for joint accounts). Certain conditions must be met. Learn more on [etrade.com](https://us.etrade.com/l/f/agreement-library/premium-savings-bank-deposit-program). VIEW DETAILS on Premium Savings Account's website Additional Features - Boost your savings with 4.00% Annual Percentage Yield for 6 months1 - Manage your money from anywhere with their mobile app - No minimum initial deposit,2 and no monthly account fees - FDIC insured up to \$500,0003 once certain conditions have been satisfied Additional Features - Boost your savings with 4.00% Annual Percentage Yield for 6 months1 - Manage your money from anywhere with their mobile app - No minimum initial deposit,2 and no monthly account fees - FDIC insured up to \$500,0003 once certain conditions have been satisfied ![image pixel]() VIEW LESS LISTINGS Powered By: ![](data:image/svg+xml;base64,<svg xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" width="89" height="25.226" viewBox="0 0 89 25.226"><defs><linearGradient id="a" x1="0.778" y1="0.782" x2="0.244" y2="0.206" gradientUnits="objectBoundingBox"><stop offset="0" stop-color="#008b69"/><stop offset="1" 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![](https://ad.doubleclick.net/ddm/trackimp/N3282.QuinnStreet/B34901838.438734502;dc_trk_aid=631550714;dc_trk_cid=223594146;ord=639113810043504431;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;gdpr=${GDPR};gdpr_consent=${GDPR_CONSENT_755};ltd=;dc_tdv=1) ## 5\. Cancel Unused Subscriptions Check your bank and credit card statements each month for recurring subscriptions or memberships, such as streaming services, gym memberships, newspapers or apps. Save money by canceling those you no longer use. Learn more:* [How to Manage Your Monthly Subscriptions](https://www.experian.com/blogs/ask-experian/how-to-manage-your-monthly-subscriptions/) ## 6\. Buy Generic Brands Opting for generic versions of groceries, household items and prescription and non-prescription medications can save you a lot of money. Ask your doctor to prescribe generic versions of your medications whenever possible. Compare ingredients of brand-name and generic over-the-counter medications. ## 7\. Look for Discounts and Coupons From restaurants and retailers to supermarkets, gas stations and airlines, just about every business offers rewards programs these days. Joining, which typically involves downloading an app, can give you access to discounts and deals. You can also find discounts by searching online for digital [coupon codes](https://www.experian.com/blogs/ask-experian/pros-cons-couponing/) before making a purchase. Don't buy just because there's a discount, though. Shop intentionally, seeking discounts only for things you plan to buy anyway. ## 8\. Join a Buy Nothing Group "[Buy nothing" groups](https://www.experian.com/blogs/ask-experian/how-to-save-money-with-buy-nothing-groups/) can help you save money and prevent waste. Join a group such as Buy Nothing or The Freecycle Network to post items you no longer need, search for items neighbors are giving away or request something you want. Giveaways can range from dog food and baby clothes to sporting goods and furniture. You can also find buy nothing groups on social media. ## 9\. Shut Down Impulse Spending When you're bombarded with marketing messages all day long, your willpower can easily weaken. To nip [impulsive shopping](https://www.experian.com/blogs/ask-experian/how-to-avoid-overspending-each-month/) in the bud, unsubscribe from marketing emails and text alerts; unfollow brands on social media; stop reading blogs or publications that spur you to spend and delete shopping apps from your phone. Learn more: [How to Stop Impulse Spending](https://www.experian.com/blogs/ask-experian/how-to-stop-impulse-spending/) ## 10\. Pause Before You Purchase Making it more difficult to make a purchase can help you [stick to a budget](https://www.experian.com/blogs/ask-experian/ways-to-stay-on-budget/). Delete your payment card information from shopping websites so you can't just click to buy. Set a rule that you must wait a certain amount of time, such as 72 hours or one week, before making a discretionary purchase. In most cases, once your time limit expires, you'll find you don't want the item anymore. ## 11\. Cut Utility Usage Look for ways to lower your [water](https://www.experian.com/blogs/ask-experian/how-to-lower-water-bill/), [gas and electricity](https://www.experian.com/blogs/ask-experian/how-to-save-money-electric-bill/) bills. For example, take shorter showers, install water-saving plumbing fixtures or cut back on watering your lawn. Turn off lights and electronics when not in use. In summer, cool your home with ceiling fans and room-darkening curtains and set your thermostat at 78 degrees to minimize air conditioning use. In cold weather, seal cracks to eliminate drafts; set your thermostat at 68 degrees and dress warmly. ## 12\. Try a Savings Challenge Make a game of saving money by taking a [savings challenge](https://www.experian.com/blogs/ask-experian/savings-challenges-to-try-this-year/). Here are a few to try: - [52-week challenge](https://www.experian.com/blogs/ask-experian/how-to-do-52-week-money-challenge/): Put \$1 in savings the first week, \$2 the second week, \$3 the third week and so on. - Round-up challenge: Round up every purchase to the nearest dollar and put the difference in savings. For instance, if you buy something for \$25.15, round up to \$26 and put 85 cents in savings. Some banks or credit unions let you automatically round up purchases made with your debit card and deposit the savings into your savings account. - [No-spend challenge](https://www.experian.com/blogs/ask-experian/how-to-do-no-spend-challenge/): Eliminate all nonessential spending for a certain time—say, one weekend or one month. You can customize your challenge to cut back on "problem spending" areas, such as eating out or buying clothes. ## 13\. Pay Down Debt With the average credit card [annual percentage rate (APR)](https://www.experian.com/blogs/ask-experian/what-is-apr/) at 22.76% as of May 2024, according to the Federal Deposit Insurance Corp. (FDIC), carrying a balance on your credit card can cost you hundreds of dollars of interest per month. Make a plan to pay down [high-interest debt](https://www.experian.com/blogs/ask-experian/what-is-high-interest-debt/) so you can put that money toward savings instead. Depending on your budget and needs, consider the [debt avalanche or debt snowball](https://www.experian.com/blogs/ask-experian/avalanche-vs-snowball-which-repayment-strategy-is-best/) strategies. Learn more: [How to Get Out of Debt](https://www.experian.com/blogs/ask-experian/credit-education/how-to-get-out-of-debt/) ## 14\. Consolidate Debt Consolidating high-interest debt can help make your payments more manageable so you can [pay off debt](https://www.experian.com/blogs/ask-experian/how-to-save-and-pay-off-debt-at-the-same-time/) faster and save on interest. Look for a [debt consolidation loan](https://www.experian.com/blogs/ask-experian/how-to-get-a-debt-consolidation-loan/) at a lower interest rate than your outstanding debt and use the loan proceeds to pay off your balances. As of May 2024, the average APR on a personal loan was 11.92%—significantly lower than the average credit card APR. You can also consolidate debt with a [balance transfer credit card](https://www.experian.com/credit-cards/best-balance-transfer/) that offers an introductory 0% APR. Transfer your outstanding balances to the card and they won't accrue interest until the promotional 0% APR ends. This can give you time to pay off the balance without incurring additional interest. Learn more: [How to Consolidate Debt](https://www.experian.com/blogs/ask-experian/how-to-consolidate-debt/) ## Compare personal loan rates Find APRs from 6.25% to 35.99% and flexible terms of 12 to 120 months. Loan amounts range from \$1,000 up to \$250,000, with funding available the same day or up to 3 days. State Offers from our partners Advertiser Disclosure [![Upstart logo.](https://www.experian.com/static/cred/offers/LC034.svg?c=1775763239656)](https://www.experian.com/loans/providers/upstart)[(679)Rated 4.64 out of 5 stars, 679 reviews](https://www.experian.com/loans/providers/upstart#reviews) 94% would recommend Est. APR 6\.70 - 35.99% Loan amount\$1,000 - \$50,000 Est. monthly payment\$31 - \$1,806 Term36 - 60 mo See offers [![Best Egg logo.](https://www.experian.com/static/cred/offers/LC029.png?c=1775763239419)](https://www.experian.com/loans/providers/best-egg)[(603)Rated 4.8 out of 5 stars, 603 reviews](https://www.experian.com/loans/providers/best-egg#reviews) 97% would recommend Est. APR 6\.99 - 35.99% Loan amount\$2,000 - \$50,000 Est. monthly payment\$62 - \$1,806 Term36 - 60 mo See offers [![LendingClub Bank logo.](https://www.experian.com/static/cred/offers/LC024.png?c=1775763239580)](https://www.experian.com/loans/providers/lendingclub-bank)[(1769)Rated 4.8 out of 5 stars, 1769 reviews](https://www.experian.com/loans/providers/lendingclub-bank#reviews) 98% would recommend Est. APR 7\.90 - 35.99% Loan amount\$1,000 - \$75,000 Est. monthly payment\$45 - \$2,709 Term24 - 60 mo See offers [![SoFi logo.](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABIAAAANCAYAAACkTj4ZAAAAGklEQVR42mP8/uN3PQMVAOOoQaMGjRpEF4MAOrcsY49QrVQAAAAASUVORK5CYII=)](https://www.experian.com/loans/providers/sofi)[(502)Rated 4.8 out of 5 stars, 502 reviews](https://www.experian.com/loans/providers/sofi#reviews) 96% would recommend Est. APR 7\.74 - 35.49% Loan amount\$5,000 - \$100,000 Est. monthly payment\$226 - \$3,237 Term24 - 84 mo See offers [![Upgrade logo.](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABIAAAANCAYAAACkTj4ZAAAAGklEQVR42mP8/uN3PQMVAOOoQaMGjRpEF4MAOrcsY49QrVQAAAAASUVORK5CYII=)](https://www.experian.com/loans/providers/upgrade)[(477)Rated 4.74 out of 5 stars, 477 reviews](https://www.experian.com/loans/providers/upgrade#reviews) 96% would recommend Est. APR 7\.74 - 35.99% Loan amount\$1,000 - \$50,000 Est. monthly payment\$31 - \$1,806 Term36 - 60 mo See offers [![Prosper logo.](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABIAAAANCAYAAACkTj4ZAAAAGklEQVR42mP8/uN3PQMVAOOoQaMGjRpEF4MAOrcsY49QrVQAAAAASUVORK5CYII=)](https://www.experian.com/loans/providers/prosper)[(118)Rated 4.72 out of 5 stars, 118 reviews](https://www.experian.com/loans/providers/prosper#reviews) 97% would recommend Est. APR 8\.99 - 35.99% Loan amount\$2,000 - \$50,000 Est. monthly payment\$91 - \$1,806 Term24 - 60 mo See offers [![Happy Money logo.](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABIAAAANCAYAAACkTj4ZAAAAGklEQVR42mP8/uN3PQMVAOOoQaMGjRpEF4MAOrcsY49QrVQAAAAASUVORK5CYII=)](https://www.experian.com/loans/providers/happy-money)[(27)Rated 4.96 out of 5 stars, 27 reviews](https://www.experian.com/loans/providers/happy-money#reviews) 100% would recommend Est. APR 7\.95 - 29.99% Loan amount\$5,000 - \$50,000 Est. monthly payment\$226 - \$1,617 Term24 - 60 mo See offers [![Zable Personal Loans logo.](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABIAAAANCAYAAACkTj4ZAAAAGklEQVR42mP8/uN3PQMVAOOoQaMGjRpEF4MAOrcsY49QrVQAAAAASUVORK5CYII=)](https://www.experian.com/loans/providers/zable-personal-loans)[(29)Rated 4.62 out of 5 stars, 29 reviews](https://www.experian.com/loans/providers/zable-personal-loans#reviews) 90% would recommend Est. APR 13\.37 - 35.99% Loan amount\$1,000 - \$15,000 Est. monthly payment\$89 - \$542 Term12 - 60 mo See offers Show more Show less View all of our [Best Personal Loans](https://www.experian.com/loans/personal/) for 2026 to see what you’re likely to qualify for, and the rates and terms you might get. ⍉Results will vary. Based on FICO® Score 8 model. Offers and approval not guaranteed. Eligibility requirements and terms apply. Application is subject to a credit check, which may impact your credit scores. Offers not available in all states. [Marketplace licenses and disclosures](https://www.experian.com/help/cm-licenses-and-disclosures/). ## 15\. Reduce Restaurant Spending Eating at restaurants, buying lunch at work or frequently ordering takeout takes a big bite out of your budget. Instead, save money by cooking and eating at home. If you can't bear to stop dining out altogether, reserve restaurant meals for special occasions. You can also trim your restaurant bill by going for lunch or happy hour, drinking water instead of pricey beverages or ordering appetizers instead of a main course. ## 16\. Learn to DIY Hiring experts to hem your pants, cut your kid's hair, change your car's oil or fix a leaky faucet gets expensive fast. Cut costs by finding a how-to video or product manual online and learning how to do it yourself. If you prefer hands-on instruction, check offerings from local home improvement stores, garden centers, fabric stores or city recreation departments. For example, many home improvement retailers hold free workshops on topics like painting walls or installing tile. ## 17\. Cut Your Cable, Phone and Internet Bills Save on [cable, phone and internet services](https://www.experian.com/blogs/ask-experian/how-to-save-money-on-cable-phone-internet-bills/) by exploring alternatives such as switching your plan to a lower-priced option. You might be able to bundle services or downgrade your plan, for example. Cellular service providers often offer discounts if you choose a family and friends plan. You might save on cable TV by cutting the cord and changing to streaming, or reduce internet prices by settling for lower speeds. When in doubt, contact your provider and see what they can do to lower your bill, or sign up for [Experian BillFixer™](https://www.experian.com/money/manage-bills-subscriptions/) and let someone else do the hard work for you. ## 18\. Use a Rewards Credit Card [Cash back credit cards](https://www.experian.com/credit-cards/best-cash-back/) can help you get cash back for purchases you'd make anyway. To maximize savings without overspending, look for a [credit card](https://www.experian.com/blogs/ask-experian/best-ways-to-redeem-credit-card-rewards/) that rewards you for essential purchases, such as groceries or [gasoline](https://www.experian.com/credit-cards/best-gas/). To avoid incurring interest that would probably surpass any rewards you earn, always pay the balance in full before your credit card's [grace period](https://www.experian.com/blogs/ask-experian/what-is-a-grace-period/) is up. ## 19\. Shop Around for Insurance Savings It can be tempting to "set and forget" your auto or [homeowners insurance](https://www.experian.com/blogs/ask-experian/what-is-homeowners-insurance/)—but that could be a costly mistake. [Shop for insurance](https://www.experian.com/blogs/ask-experian/how-often-to-shop-around-for-homeowners-insurance/) once a year or so, and you may find equivalent or better coverage at a lower cost. Rate-shop fast by using an [insurance comparison site](https://www.experian.com/insurance/car-insurance-quotes/) like Experian's, which delivers quotes from over 40 top car insurance companies in minutes. ## 20\. Find Inexpensive Ways to Treat Yourself [Avoid budget burnout](https://www.experian.com/blogs/ask-experian/ways-to-treat-yourself-without-breaking-your-budget/) by giving yourself small rewards for sticking to your savings plan. Put 50 cents or \$1 in a jar every day you follow your budget and use it to treat yourself at the end of the month. Look for lower-cost versions of your favorite activities. Instead of a \$40 manicure, for instance, buy a \$10 bottle of polish and do your nails at home. If you've eliminated daily lattes, let yourself savor one at the end of the month. ## 21\. Buddy Up Holding yourself accountable can help you stick to your budget. Ask a friend to join you as an [accountability partner](https://www.experian.com/blogs/ask-experian/what-is-financial-accountability-group/) and keep you on track. You can also use an [accountability app](https://www.experian.com/blogs/ask-experian/accountability-apps-to-keep-you-on-budget/) like BeeMinder or Fabulous to track and support healthy savings habits. Look for social media influencers whose personal financial advice inspires you—just be sure to vet their advice before making drastic changes. ## 22\. Earn More Money Reach your savings goals faster by [making more money](https://www.experian.com/blogs/ask-experian/ways-to-make-more-money-without-asking-for-raise/). Request extra hours at work, apply for a promotion or better-paying job, or ask your boss for a raise. If your schedule allows, consider getting a part-time job or starting a [side hustle](https://www.experian.com/blogs/ask-experian/how-to-make-extra-money-from-home/). There are plenty of options, including tutoring, childcare, walking dogs, delivering food, rideshare driving, selling things online and more. ## 23\. Cut Your Transportation Costs Can you work from home a few days a week, or commute via public transportation, carpooling, bicycling, walking or ride-sharing? If so, you could save hundreds of dollars per month compared to driving your car. Some employers even offer stipends or reimbursements for employees who choose [greener transportation](https://www.experian.com/blogs/ask-experian/how-to-save-money-with-green-transportation/) options. If these options won't work for your [daily commute](https://www.experian.com/blogs/ask-experian/how-to-save-on-commuting-costs/), perhaps you can walk, bike or ride a bus to appointments or errands. Driving fewer miles per year could qualify you for [low-mileage car insurance](https://www.experian.com/blogs/ask-experian/does-mileage-affect-car-insurance/) discounts too. ## 24\. Trim Your Housing Expenses Whether you rent or own, housing is most people's biggest expense. You may be able to reduce the cost of housing by taking in a roommate or renting out a room in your home. It's sometimes possible to negotiate your lease terms to [lower your rent](https://www.experian.com/blogs/ask-experian/ways-to-save-money-on-rent/). Downsizing your home could reduce not only your mortgage, but also the cost of utilities, home insurance and maintenance. Just be sure to consider moving costs, real estate agent fees and potential tax implications. Learn more: [Financial Pros and Cons of Downsizing Your Home](https://www.experian.com/blogs/ask-experian/pros-and-cons-of-downsizing-your-home/) ## 25\. Find Free or Low-Cost Fun Keep saving from being boring by searching out free or inexpensive activities. Go for a hike, take a picnic to the park or visit the community pool. Check out [fun activities](https://www.experian.com/blogs/ask-experian/how-to-make-saving-money-fun/) your local library has to offer, such as movie rentals, children's story hours and crafts classes. Museums, zoos and other institutions typically have free or discounted entry one day per month or one evening per week. ## 26\. Swap With Friends and Family Get more without spending more by sharing with friends and family instead of buying things. Organize a regular swap where neighbors share items they're willing to lend out or give away. Toys, games, books, clothing, gardening equipment, household items, sporting goods or tools are all fair game. You can either keep what you take or bring items back to the next swap for someone else to use. ## Frequently Asked Questions ### How Much Money Should You Save Each Month? To figure out [how much to save each month](https://www.experian.com/blogs/ask-experian/how-much-should-you-save-each-month/), determine your savings goals, such as buying a home or building an emergency fund. The 50/30/20 budgeting method is a simple approach that allocates 20% of your take-home income to savings and paying off debt. If money is very tight, try saving just \$10 or \$20 per pay period; it all adds up. ### How to Save Money Fast Here are some ways to speed up savings: - Put any [windfalls](https://www.experian.com/blogs/ask-experian/how-to-manage-a-windfall/), such as a bonus at work, tax refund or cash gift, into savings. - Keep your savings in a [high-yield savings account](https://www.experian.com/blogs/ask-experian/reasons-to-put-money-in-high-yield-savings-account/) to help it grow faster. - Do a no-spend challenge, limiting your spending to necessities for a month or longer. - Get a part-time job or start a side hustle such as freelancing, rideshare driving or babysitting, to earn more money for savings. ### What's the Best Way to Save Money? There's no single best way to save money. However, most people find that setting savings goals, automating savings, reducing discretionary spending, tracking expenses and setting a realistic budget are key to success. It's also important to stay motivated and reward yourself for saving. Review the 26 ideas above to see which ones make sense for you and try a combination of the tips to see what works best. ## The Bottom Line Another way to save money: Maintain a [good credit score](https://www.experian.com/blogs/ask-experian/credit-education/score-basics/what-is-a-good-credit-score/). Good credit can help you qualify for lower interest rates on credit cards and loans, reducing the cost of borrowing money. You can check your [credit score and credit report](https://www.experian.com/credit/credit-score/) for free to see where you stand. If your credit score isn't where you want it, paying down debt, keeping credit utilization low and paying your bills on time can help [improve it](https://www.experian.com/blogs/ask-experian/credit-education/improving-credit/improve-credit-score/), which could make it easier to reach your savings goals. ## Want to lower your monthly bills? We’ll negotiate bills for you and cancel unwanted subscriptions. [Get started](https://www.experian.com/money/manage-bills-subscriptions/) ![Promo icon.](https://www.experian.com/static/shared/icons/icon-wallet.svg) ## About the author ![Karen Axelton](https://www.experian.com/static/blog/profiles-byline/karen-axelton.webp) Karen Axelton Karen Axelton is Experian’s in-house senior personal finance writer. She has over 20 years of experience as a journalist and has written or ghostwritten content for a variety of financial services companies. [Read more from Karen](https://www.experian.com/blogs/ask-experian/author/karen-axelton/) ## Explore more topics - [Personal finance](https://www.experian.com/blogs/ask-experian/category/personal-finance/) - [Budgeting](https://www.experian.com/blogs/ask-experian/category/personal-finance/budgeting/) - [Debt](https://www.experian.com/blogs/ask-experian/category/personal-finance/debt/) - [Investing](https://www.experian.com/blogs/ask-experian/category/personal-finance/investing/) - [Retirement](https://www.experian.com/blogs/ask-experian/category/personal-finance/retirement/) - [Taxes](https://www.experian.com/blogs/ask-experian/category/personal-finance/taxes/) ## Share article Save money on bills and subscriptions [Get started](https://www.experian.com/money/manage-bills-subscriptions/) [![Experian logo.](https://www.experian.com/static/shared/logos/logo-experian.svg)](https://www.experian.com/) Experian is a globally recognized financial leader, committed to being a Big Financial Friend—empowering millions to take control of their finances. 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Readable Markdown	Whether you're aiming for a solid emergency fund or a secure retirement, achieving your financial goals starts with a smart approach to saving. Fortunately, saving money can be easier than you may think. Put aside just \$13.70 per day, and at the end of the year you'll have \$5,000; double that to \$27.39 daily and you'll have \$10,000 by year-end—and that doesn't include the interest you may earn. You can save money by making a budget, automating savings, reducing discretionary spending and seeking discounts. Here are 26 ways to save money. 1. [Set a goal](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a1) 2. [Track expenses](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a2) 3. [Make a budget](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a3) 4. [Automate savings](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a4) 5. [Cancel unused subscriptions](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a5) 6. [Buy generic brands](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a6) 7. [Look for discounts and coupons](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a7) 8. [Join a buy nothing group](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a8) 9. [Shut down impulse spending](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a9) 10. [Pause before you purchase](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a10) 11. [Cut utility usage](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a11) 12. [Try a savings challenge](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a12) 13. [Pay down debt](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a13) 14. [Consolidate debt](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a14) 15. [Reduce restaurant spending](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a15) 16. [Learn to DIY](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a16) 17. [Cut you cable, phone and internet bills](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a17) 18. [Use a rewards credit card](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a18) 19. [Shop around for insurance savings](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a19) 20. [Find inexpensive ways to treat yourself](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a20) 21. [Buddy up](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a21) 22. [Earn more money](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a22) 23. [Cut your transportation costs](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a23) 24. [Trim your housing expenses](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a24) 25. [Find free or low-cost fun](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a25) 26. [Swap with friends and family](https://www.experian.com/blogs/ask-experian/how-to-save-money/#a26) ## 1\. Set a Goal Having a goal to work toward will help you determine how much to save—and help you [stay motivated](https://www.experian.com/blogs/ask-experian/how-to-stay-motivated-to-save/) to stick to your savings plan. For example, you might want to save up for a vacation or a down payment on a new car. Maybe you'd like to build an [emergency fund](https://www.experian.com/blogs/ask-experian/how-to-build-an-emergency-fund/) so you can stop relying on credit cards for unexpected expenses. Figure out when you want to achieve your goal and how much you'll need to save each month to do so. ## 2\. Track Expenses Tracking your spending for a month or so can be eye-opening and may reveal easy ways to save. You can [track your expenses](https://www.experian.com/blogs/ask-experian/how-to-track-your-expenses/) using paper and pencil, a spreadsheet on your computer or the note-taking app on your phone. Some banks offer expense-tracking apps. You can also download an expense tracker app such as Dollarbird, Fudget or GoodBudget. Many expense-tracking apps include budgeting features too. ## 3\. Make a Budget [Following a budget](https://www.experian.com/blogs/ask-experian/what-is-a-budget/) helps ensure your monthly spending doesn't exceed your income. To make a budget, determine your monthly income after taxes, as well as your monthly [fixed and variable expenses](https://www.experian.com/blogs/ask-experian/how-to-budget-for-fixed-and-variable-expenses/). Also include things like property taxes, car maintenance, holiday gifts and other quarterly or annual expenses. There are plenty of ways to budget. The [50/30/20 budgeting method](https://www.experian.com/blogs/ask-experian/what-is-the-50-30-20-rule/) is a popular option in which 50% of your after-tax income goes to necessities, 30% goes to discretionary spending and 20% goes to savings or paying off debt. If you want to account for every dollar, you can try [zero-based budgeting](https://www.experian.com/blogs/ask-experian/what-is-zero-based-budgeting/). [You can also consider budgeting apps](https://www.experian.com/blogs/ask-experian/best-budgeting-apps/) such as PocketGuard, You Need a Budget or HoneyDue to help you stick to your budget. Learn more: [Types of Budget Plans to Know About](https://www.experian.com/blogs/ask-experian/types-of-budget-plans/) ## 4\. Automate Savings Simplify savings by setting up [automatic transfers](https://www.experian.com/blogs/ask-experian/how-to-create-automatic-savings-plan/) into your savings account each time you get paid. You can typically do this through your employer or by using your bank's mobile app or website. You may even have the option to [split your savings](https://www.experian.com/blogs/ask-experian/how-to-split-your-direct-deposit-into-multiple-bank-accounts/) into multiple savings accounts—for example, one account for your emergency fund and another for your upcoming honeymoon. Grow your savings faster by choosing a [high-yield savings account](https://www.experian.com/blogs/ask-experian/what-is-a-high-yield-savings-account/), which typically offers interest earnings significantly higher than those of standard savings accounts. Earn Money Faster ## Compare high-yield savings accounts Find a high-yield savings account with today’s APY. Compare current APY and offers to find the best savings account for you. ## 5\. Cancel Unused Subscriptions Check your bank and credit card statements each month for recurring subscriptions or memberships, such as streaming services, gym memberships, newspapers or apps. Save money by canceling those you no longer use. Learn more: [How to Manage Your Monthly Subscriptions](https://www.experian.com/blogs/ask-experian/how-to-manage-your-monthly-subscriptions/) ## 6\. Buy Generic Brands Opting for generic versions of groceries, household items and prescription and non-prescription medications can save you a lot of money. Ask your doctor to prescribe generic versions of your medications whenever possible. Compare ingredients of brand-name and generic over-the-counter medications. ## 7\. Look for Discounts and Coupons From restaurants and retailers to supermarkets, gas stations and airlines, just about every business offers rewards programs these days. Joining, which typically involves downloading an app, can give you access to discounts and deals. You can also find discounts by searching online for digital [coupon codes](https://www.experian.com/blogs/ask-experian/pros-cons-couponing/) before making a purchase. Don't buy just because there's a discount, though. Shop intentionally, seeking discounts only for things you plan to buy anyway. ## 8\. Join a Buy Nothing Group "[Buy nothing" groups](https://www.experian.com/blogs/ask-experian/how-to-save-money-with-buy-nothing-groups/) can help you save money and prevent waste. Join a group such as Buy Nothing or The Freecycle Network to post items you no longer need, search for items neighbors are giving away or request something you want. Giveaways can range from dog food and baby clothes to sporting goods and furniture. You can also find buy nothing groups on social media. ## 9\. Shut Down Impulse Spending When you're bombarded with marketing messages all day long, your willpower can easily weaken. To nip [impulsive shopping](https://www.experian.com/blogs/ask-experian/how-to-avoid-overspending-each-month/) in the bud, unsubscribe from marketing emails and text alerts; unfollow brands on social media; stop reading blogs or publications that spur you to spend and delete shopping apps from your phone. Learn more: [How to Stop Impulse Spending](https://www.experian.com/blogs/ask-experian/how-to-stop-impulse-spending/) ## 10\. Pause Before You Purchase Making it more difficult to make a purchase can help you [stick to a budget](https://www.experian.com/blogs/ask-experian/ways-to-stay-on-budget/). Delete your payment card information from shopping websites so you can't just click to buy. Set a rule that you must wait a certain amount of time, such as 72 hours or one week, before making a discretionary purchase. In most cases, once your time limit expires, you'll find you don't want the item anymore. ## 11\. Cut Utility Usage Look for ways to lower your [water](https://www.experian.com/blogs/ask-experian/how-to-lower-water-bill/), [gas and electricity](https://www.experian.com/blogs/ask-experian/how-to-save-money-electric-bill/) bills. For example, take shorter showers, install water-saving plumbing fixtures or cut back on watering your lawn. Turn off lights and electronics when not in use. In summer, cool your home with ceiling fans and room-darkening curtains and set your thermostat at 78 degrees to minimize air conditioning use. In cold weather, seal cracks to eliminate drafts; set your thermostat at 68 degrees and dress warmly. ## 12\. Try a Savings Challenge Make a game of saving money by taking a [savings challenge](https://www.experian.com/blogs/ask-experian/savings-challenges-to-try-this-year/). Here are a few to try: - [52-week challenge](https://www.experian.com/blogs/ask-experian/how-to-do-52-week-money-challenge/): Put \$1 in savings the first week, \$2 the second week, \$3 the third week and so on. - Round-up challenge: Round up every purchase to the nearest dollar and put the difference in savings. For instance, if you buy something for \$25.15, round up to \$26 and put 85 cents in savings. Some banks or credit unions let you automatically round up purchases made with your debit card and deposit the savings into your savings account. - [No-spend challenge](https://www.experian.com/blogs/ask-experian/how-to-do-no-spend-challenge/): Eliminate all nonessential spending for a certain time—say, one weekend or one month. You can customize your challenge to cut back on "problem spending" areas, such as eating out or buying clothes. ## 13\. Pay Down Debt With the average credit card [annual percentage rate (APR)](https://www.experian.com/blogs/ask-experian/what-is-apr/) at 22.76% as of May 2024, according to the Federal Deposit Insurance Corp. (FDIC), carrying a balance on your credit card can cost you hundreds of dollars of interest per month. Make a plan to pay down [high-interest debt](https://www.experian.com/blogs/ask-experian/what-is-high-interest-debt/) so you can put that money toward savings instead. Depending on your budget and needs, consider the [debt avalanche or debt snowball](https://www.experian.com/blogs/ask-experian/avalanche-vs-snowball-which-repayment-strategy-is-best/) strategies. Learn more: [How to Get Out of Debt](https://www.experian.com/blogs/ask-experian/credit-education/how-to-get-out-of-debt/) ## 14\. Consolidate Debt Consolidating high-interest debt can help make your payments more manageable so you can [pay off debt](https://www.experian.com/blogs/ask-experian/how-to-save-and-pay-off-debt-at-the-same-time/) faster and save on interest. Look for a [debt consolidation loan](https://www.experian.com/blogs/ask-experian/how-to-get-a-debt-consolidation-loan/) at a lower interest rate than your outstanding debt and use the loan proceeds to pay off your balances. As of May 2024, the average APR on a personal loan was 11.92%—significantly lower than the average credit card APR. You can also consolidate debt with a [balance transfer credit card](https://www.experian.com/credit-cards/best-balance-transfer/) that offers an introductory 0% APR. Transfer your outstanding balances to the card and they won't accrue interest until the promotional 0% APR ends. This can give you time to pay off the balance without incurring additional interest. Learn more: [How to Consolidate Debt](https://www.experian.com/blogs/ask-experian/how-to-consolidate-debt/) ## 15\. Reduce Restaurant Spending Eating at restaurants, buying lunch at work or frequently ordering takeout takes a big bite out of your budget. Instead, save money by cooking and eating at home. If you can't bear to stop dining out altogether, reserve restaurant meals for special occasions. You can also trim your restaurant bill by going for lunch or happy hour, drinking water instead of pricey beverages or ordering appetizers instead of a main course. ## 16\. Learn to DIY Hiring experts to hem your pants, cut your kid's hair, change your car's oil or fix a leaky faucet gets expensive fast. Cut costs by finding a how-to video or product manual online and learning how to do it yourself. If you prefer hands-on instruction, check offerings from local home improvement stores, garden centers, fabric stores or city recreation departments. For example, many home improvement retailers hold free workshops on topics like painting walls or installing tile. ## 17\. Cut Your Cable, Phone and Internet Bills Save on [cable, phone and internet services](https://www.experian.com/blogs/ask-experian/how-to-save-money-on-cable-phone-internet-bills/) by exploring alternatives such as switching your plan to a lower-priced option. You might be able to bundle services or downgrade your plan, for example. Cellular service providers often offer discounts if you choose a family and friends plan. You might save on cable TV by cutting the cord and changing to streaming, or reduce internet prices by settling for lower speeds. When in doubt, contact your provider and see what they can do to lower your bill, or sign up for [Experian BillFixer™](https://www.experian.com/money/manage-bills-subscriptions/) and let someone else do the hard work for you. ## 18\. Use a Rewards Credit Card [Cash back credit cards](https://www.experian.com/credit-cards/best-cash-back/) can help you get cash back for purchases you'd make anyway. To maximize savings without overspending, look for a [credit card](https://www.experian.com/blogs/ask-experian/best-ways-to-redeem-credit-card-rewards/) that rewards you for essential purchases, such as groceries or [gasoline](https://www.experian.com/credit-cards/best-gas/). To avoid incurring interest that would probably surpass any rewards you earn, always pay the balance in full before your credit card's [grace period](https://www.experian.com/blogs/ask-experian/what-is-a-grace-period/) is up. ## 19\. Shop Around for Insurance Savings It can be tempting to "set and forget" your auto or [homeowners insurance](https://www.experian.com/blogs/ask-experian/what-is-homeowners-insurance/)—but that could be a costly mistake. [Shop for insurance](https://www.experian.com/blogs/ask-experian/how-often-to-shop-around-for-homeowners-insurance/) once a year or so, and you may find equivalent or better coverage at a lower cost. Rate-shop fast by using an [insurance comparison site](https://www.experian.com/insurance/car-insurance-quotes/) like Experian's, which delivers quotes from over 40 top car insurance companies in minutes. ## 20\. Find Inexpensive Ways to Treat Yourself [Avoid budget burnout](https://www.experian.com/blogs/ask-experian/ways-to-treat-yourself-without-breaking-your-budget/) by giving yourself small rewards for sticking to your savings plan. Put 50 cents or \$1 in a jar every day you follow your budget and use it to treat yourself at the end of the month. Look for lower-cost versions of your favorite activities. Instead of a \$40 manicure, for instance, buy a \$10 bottle of polish and do your nails at home. If you've eliminated daily lattes, let yourself savor one at the end of the month. ## 21\. Buddy Up Holding yourself accountable can help you stick to your budget. Ask a friend to join you as an [accountability partner](https://www.experian.com/blogs/ask-experian/what-is-financial-accountability-group/) and keep you on track. You can also use an [accountability app](https://www.experian.com/blogs/ask-experian/accountability-apps-to-keep-you-on-budget/) like BeeMinder or Fabulous to track and support healthy savings habits. Look for social media influencers whose personal financial advice inspires you—just be sure to vet their advice before making drastic changes. ## 22\. Earn More Money Reach your savings goals faster by [making more money](https://www.experian.com/blogs/ask-experian/ways-to-make-more-money-without-asking-for-raise/). Request extra hours at work, apply for a promotion or better-paying job, or ask your boss for a raise. If your schedule allows, consider getting a part-time job or starting a [side hustle](https://www.experian.com/blogs/ask-experian/how-to-make-extra-money-from-home/). There are plenty of options, including tutoring, childcare, walking dogs, delivering food, rideshare driving, selling things online and more. ## 23\. Cut Your Transportation Costs Can you work from home a few days a week, or commute via public transportation, carpooling, bicycling, walking or ride-sharing? If so, you could save hundreds of dollars per month compared to driving your car. Some employers even offer stipends or reimbursements for employees who choose [greener transportation](https://www.experian.com/blogs/ask-experian/how-to-save-money-with-green-transportation/) options. If these options won't work for your [daily commute](https://www.experian.com/blogs/ask-experian/how-to-save-on-commuting-costs/), perhaps you can walk, bike or ride a bus to appointments or errands. Driving fewer miles per year could qualify you for [low-mileage car insurance](https://www.experian.com/blogs/ask-experian/does-mileage-affect-car-insurance/) discounts too. ## 24\. Trim Your Housing Expenses Whether you rent or own, housing is most people's biggest expense. You may be able to reduce the cost of housing by taking in a roommate or renting out a room in your home. It's sometimes possible to negotiate your lease terms to [lower your rent](https://www.experian.com/blogs/ask-experian/ways-to-save-money-on-rent/). Downsizing your home could reduce not only your mortgage, but also the cost of utilities, home insurance and maintenance. Just be sure to consider moving costs, real estate agent fees and potential tax implications. Learn more: [Financial Pros and Cons of Downsizing Your Home](https://www.experian.com/blogs/ask-experian/pros-and-cons-of-downsizing-your-home/) ## 25\. Find Free or Low-Cost Fun Keep saving from being boring by searching out free or inexpensive activities. Go for a hike, take a picnic to the park or visit the community pool. Check out [fun activities](https://www.experian.com/blogs/ask-experian/how-to-make-saving-money-fun/) your local library has to offer, such as movie rentals, children's story hours and crafts classes. Museums, zoos and other institutions typically have free or discounted entry one day per month or one evening per week. ## 26\. Swap With Friends and Family Get more without spending more by sharing with friends and family instead of buying things. Organize a regular swap where neighbors share items they're willing to lend out or give away. Toys, games, books, clothing, gardening equipment, household items, sporting goods or tools are all fair game. You can either keep what you take or bring items back to the next swap for someone else to use. ## Frequently Asked Questions To figure out [how much to save each month](https://www.experian.com/blogs/ask-experian/how-much-should-you-save-each-month/), determine your savings goals, such as buying a home or building an emergency fund. The 50/30/20 budgeting method is a simple approach that allocates 20% of your take-home income to savings and paying off debt. If money is very tight, try saving just \$10 or \$20 per pay period; it all adds up. Here are some ways to speed up savings: - Put any [windfalls](https://www.experian.com/blogs/ask-experian/how-to-manage-a-windfall/), such as a bonus at work, tax refund or cash gift, into savings. - Keep your savings in a [high-yield savings account](https://www.experian.com/blogs/ask-experian/reasons-to-put-money-in-high-yield-savings-account/) to help it grow faster. - Do a no-spend challenge, limiting your spending to necessities for a month or longer. - Get a part-time job or start a side hustle such as freelancing, rideshare driving or babysitting, to earn more money for savings. There's no single best way to save money. However, most people find that setting savings goals, automating savings, reducing discretionary spending, tracking expenses and setting a realistic budget are key to success. It's also important to stay motivated and reward yourself for saving. Review the 26 ideas above to see which ones make sense for you and try a combination of the tips to see what works best. ## The Bottom Line Another way to save money: Maintain a [good credit score](https://www.experian.com/blogs/ask-experian/credit-education/score-basics/what-is-a-good-credit-score/). Good credit can help you qualify for lower interest rates on credit cards and loans, reducing the cost of borrowing money. You can check your [credit score and credit report](https://www.experian.com/credit/credit-score/) for free to see where you stand. If your credit score isn't where you want it, paying down debt, keeping credit utilization low and paying your bills on time can help [improve it](https://www.experian.com/blogs/ask-experian/credit-education/improving-credit/improve-credit-score/), which could make it easier to reach your savings goals.
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