🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 156 (from laksa059)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa156.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.forbes.com/advisor/banking/savings/save-money/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.forbes.com/advisor/banking/savings/save-money/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.forbes.com\/advisor\/banking\/savings\/save-money\/","crawl_time":1775916373,"first_indexed_time":1676048171,"http_code":200,"src_unparsed":"com,forbes!www,\/advisor\/banking\/savings\/save-money\/ s443","src_root_hash":"7074450602188365556","history_drop_reason":null,"meta_title":"How To Save Money: 6 Easy Ways – Forbes Advisor","meta_descriptions":["Learn how to save money on everyday expenses so you can grow savings for emergencies or big-ticket purchases."],"attrs_boilerpipe_text":"Whether you want to save up for a major purchase or just create more flexibility in your budget, here are some simple tips on how to save money.\n1. Set a Savings Goal\nGoal setting is the best way to organize your savings efforts and stay on track. Making goals SMART—specific, measurable, achievable, relevant and time-bound—turns them into actionable plans rather than unrealized intentions.\nDecide how much you want to save and give yourself a deadline. For example, if you want to save $1,000 for vacation, decide how many months you will save for, and break that goal down into manageable monthly goals.\nSaving $1,000 can feel overwhelming, but when you divide that into $200 savings deposits over five months, it can feel more achievable.\n2. Negotiate Bills and Cancel Subscriptions\nFixed expenses are bills that cost the same each month, like insurance, phone bills, subscription services or car payments. In some cases, you can still lower these bills by negotiating better rates or downgrading your service.\nPlus, canceling subscriptions altogether could save you a nice sum per month. A 2022 survey from C+R Research found that consumers tend to underestimate how much they spend on subscriptions. Survey takers guessed they spent $86 per month on average on subscriptions, but that number jumped to $219 on average when they reviewed their actual itemized expenses.\nRun through your bank statements and circle all your recurring expenses to see what you can cut out. For necessities, shop around and negotiate rates with providers at least once a year.\nBelow are some bills and subscriptions to consider negotiating or canceling:\nBILLS TO NEGOTIATE\nBILLS TO CONSIDER CANCELING\nCellphone\nVideo and music streaming services\nInternet\nFood delivery service memberships\nCable\nFitness memberships\nInsurance coverages\nNewspaper or magazine subscriptions\nSubscription boxes\nPremium apps\nGaming subscriptions\n3. Reduce Variable Spending\nVariable expenses are expenses that can fluctuate every month, such as car repairs, groceries, gas, clothes or dining out. These expenses change based on spending habits and life events.\nEstimate how much you spend in each variable category by reviewing bank and credit card statements and averaging expenses over the last several months.\nPacking lunches for work, hosting potlucks instead of going out for dinner and shopping at discount grocery stores are ways to potentially reduce variable costs.\nPro Tip\nConsider setting a “fun” budget or allowance for yourself, so you don’t get burnt out by cutting costs. Withdrawing your “fun” money budget in cash from an ATM could be one strategy to keep an eye on excess spending.\n4. Shop for a High-Yield Savings Account\nThe \nbest place to put savings\n for near-term goals is in an account that earns interest and is easily accessible, in case you need cash for an emergency.\nInterest earnings on savings can help increase your balance. High-yield savings accounts may offer annual percentage yields (APYs) of 3.00% or higher, while the national average is just 0.39%, according to March 2026 data from the Federal Deposit Insurance Corporation (FDIC).\nOver time, that interest adds up. Say you deposit $500 into an account earning 5.00% APY, and you make $200 in monthly contributions for two years straight. Here’s how much interest could stack up:\nDETAILS\n2026\n2027\n2028\nPrincipal\n$500\n$2,900\n$5,300\nInterest\n-\n$81\n$289\nTotal\n$500\n$2,981\n$5,589\nThe \nbest high-yield savings accounts\n usually have \nno monthly fees\n, and many of them are provided by \nonline banks\n. Use a \nsavings calculator\n to estimate how much interest you may be able to earn.\n5. Automate Your Savings\nOnce you’ve cut down expenses and found a \nsavings account\n to sock away your cash, set up automatic savings transfers from your checking account to savings.\nAutomation makes it possible for you to save without having to remember to make each deposit. This way, your money can grow with little effort.\nLastly, if you receive extra cash from gifts, tax refunds, commissions or bonuses, devote all or a part of that money to savings. Large deposits are a shortcut that can supercharge your balance.\nWhy Saving Money Is Important\nBuilding savings is key to weathering the storm if emergency expenses arise. With savings in the bank, you can limit credit usage when you need to cover big purchases or surprise bills.\nExperts recommend having at least $1,000 in savings at first. But ideally, you want to build up to at least three to six months’ worth of expenses in \nemergency savings\n in case you lose a job or experience a financial setback.\nThe average monthly household expenditure is $6,545, according to the Bureau of Labor Statistics. With this figure in mind, the average household should aim for close to $20,000 ($6,545 multiplied by three months) in emergency savings.\nLet’s face it—it may not be easy to save $20,000 overnight or even in a year, and that’s OK. You can grow your savings balance over time by reducing expenses and making regular deposits.\nTips for Saving Money Fast\nIf you need to save aggressively, consider following these money saving tips:\nUse a budgeting app.\nBudgeting apps\ncan quickly sync to your financial accounts and categorize your expenses so you can create a budget, identify overspending and change money habits.\nTry a money-saving app.\nMoney-saving apps\ncan automate your savings contributions based on savings rules. For example,\nOportun\nis an app that can scan your account balances to review your income and spending. Then it automatically saves small amounts you don’t need.\nCut out all unnecessary spending.\nLimit spending that’s not essential, such as takeout, entertainment, subscriptions, personal care and retail shopping. Operating on a bare-bones budget probably won’t be sustainable long term, but for a short time, it can increase the amount you’re able to save.\nFind cheap gas.\nUse apps like GasBuddy and Waze to scope out the cheapest gas in your area.\nMeal prep.\nTake lunch and coffee to work and pack lunches for your family to reduce coffee shop orders and fast-food expenses.\nIncrease income.\nConsider taking part-time work or working in the gig economy doing deliveries, rideshares or freelance tasks to bring in more income for savings.\nReduce waste.\nTake steps to reduce energy waste, like turning lights off when not in use and switching to energy-efficient bulbs. Switching to reusable microfiber towels can also cut down on paper waste and costs.\nSell items.\nIf you have extra bikes, furniture, decor, clothes, shoes or electronics, consider selling them to generate some cash for savings.\nThe Final Word\nBuilding a sizable emergency fund or saving for a large purchase can feel daunting, but putting away small amounts incrementally can build over time. Focus on consistent progress. Once you find ways to reduce expenses, automate your savings deposits and watch savings grow.\nFrequently Asked Questions (FAQs)\nThe easiest way to save money is to reduce nonessential spending and devote that cash to savings. Taking additional steps to create a budget, negotiating lower service rates with providers and finding opportunities for increased income can help you save even more.\nSaving and repaying debt are both important, especially since accumulating savings can help you avoid having to borrow for future expenses. If building emergency savings is your focus, commit to making at least the minimum debt payments to avoid a credit score hit from nonpayment. Next, prioritizing the highest-interest debt first could save you money on interest charges.\nLimit takeout ordering and create a shopping list before going to the grocery store to cut down on impulse spending. Consider buying in bulk, and comparison shop across many grocery retailers to see where you can get the best deals for items you need.","attrs_markdown":"[Subscribe To Newsletters](https:\/\/account.forbes.com\/newsletters)\n\n- [Subscribe To Newsletters](https:\/\/account.forbes.com\/newsletters)\n- [Trump Tracker](https:\/\/www.forbes.com\/trump\/)\n- [Billionaires](https:\/\/www.forbes.com\/worlds-billionaires\/)\n  Billionaires\n  \n  - [View All Billionaires](https:\/\/www.forbes.com\/worlds-billionaires\/)\n  - [World's Billionaires](https:\/\/www.forbes.com\/billionaires\/)\n  - [Forbes 400](https:\/\/www.forbes.com\/forbes-400\/)\n  - [America's Richest Self-Made Women](https:\/\/www.forbes.com\/self-made-women\/)\n  - [China's Richest](https:\/\/www.forbes.com\/china-billionaires\/)\n  - [India's Richest](https:\/\/www.forbes.com\/india-billionaires\/)\n  - [Indonesia's Richest](https:\/\/www.forbes.com\/indonesia-billionaires\/)\n  - [Korea's Richest](https:\/\/www.forbes.com\/korea-billionaires\/list\/)\n  - 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All Rights Reserved.\n\n[Subscribe](https:\/\/account.forbes.com\/membership?eventSource=header&redirect=https:\/\/www.forbes.com\/)\n\n[Advisor](https:\/\/www.forbes.com\/advisor\/)\n\n- [All Banking](https:\/\/www.forbes.com\/advisor\/banking\/)\n- [CDs](https:\/\/www.forbes.com\/advisor\/banking\/cds\/)\n- [Money Market](https:\/\/www.forbes.com\/advisor\/banking\/best-money-market-accounts\/)\n- [Savings](https:\/\/www.forbes.com\/advisor\/banking\/savings\/)\n- [Checking](https:\/\/www.forbes.com\/advisor\/banking\/checking\/)\n\n|   |   |   |\n|---|---|---|\n|   | You might be using an unsupported or outdated browser. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. |   |\n\nWe earn a commission from the offers on this page, which influences which offers are displayed and how and where the offers appear. Advertiser Disclosure.\n\nWe independently select all products and services. While we earn a commission from partner links, commissions do not affect our editors' opinions or evaluations.\n\nAdvertiser Disclosure\n\n- [Advisor](https:\/\/www.forbes.com\/advisor)\n- [Banking](https:\/\/www.forbes.com\/advisor\/banking\/)\n- [Savings](https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-high-yield-savings-accounts\/)\n# How To Save Money: 6 Easy Ways\nAudited & Verified: Mar 16, 2026, 9:46am\n\n[![Taylor Medine](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2022\/04\/Taylor-Bio-Photo-2-88x88.jpeg)](https:\/\/www.forbes.com\/advisor\/author\/tmedine\/)\n\n![Taylor Medine](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2022\/04\/Taylor-Bio-Photo-2-88x88.jpeg)\n\n[Taylor Medine](https:\/\/www.forbes.com\/advisor\/author\/tmedine\/)Staff Writer\n\nTaylor Medine is a staff writer for Forbes Advisor with over 10 years of experience writing guides and articles that demystify personal finance topics, such as how to repay debt, build credit and manage student loans.\n\n- [![Linkedin icon](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/forbes-media-linkedin-icon.svg)](https:\/\/www.linkedin.com\/in\/taylormedine)\n\n[Read Full Bio![See Full Bio](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/read-full-bio.svg)](https:\/\/www.forbes.com\/advisor\/author\/tmedine\/)\n\n![close icon](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/forbes-media-close-icon.svg)\n\n![Taylor Medine](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2022\/04\/Taylor-Bio-Photo-2-88x88.jpeg)\n\n[Taylor Medine](https:\/\/www.forbes.com\/advisor\/author\/tmedine\/)Staff Writer\n\nTaylor Medine is a staff writer for Forbes Advisor with over 10 years of experience writing guides and articles that demystify personal finance topics, such as how to repay debt, build credit and manage student loans.\n\n- [![Linkedin icon](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/forbes-media-linkedin-icon.svg)](https:\/\/www.linkedin.com\/in\/taylormedine)\n\n[Read Full Bio![See Full Bio](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/read-full-bio.svg)](https:\/\/www.forbes.com\/advisor\/author\/tmedine\/)\n\nWritten By\n\n[Taylor Medine](https:\/\/www.forbes.com\/advisor\/author\/tmedine\/)\n\n![Taylor Medine](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2022\/04\/Taylor-Bio-Photo-2-88x88.jpeg)\n\n[Taylor Medine](https:\/\/www.forbes.com\/advisor\/author\/tmedine\/)Staff Writer\n\nTaylor Medine is a staff writer for Forbes Advisor with over 10 years of experience writing guides and articles that demystify personal finance topics, such as how to repay debt, build credit and manage student loans.\n\n- [![Linkedin icon](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/forbes-media-linkedin-icon.svg)](https:\/\/www.linkedin.com\/in\/taylormedine)\n\n[Read Full Bio![See Full Bio](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/read-full-bio.svg)](https:\/\/www.forbes.com\/advisor\/author\/tmedine\/)\n\n![close icon](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/forbes-media-close-icon.svg)\n\n![Taylor Medine](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2022\/04\/Taylor-Bio-Photo-2-88x88.jpeg)\n\n[Taylor Medine](https:\/\/www.forbes.com\/advisor\/author\/tmedine\/)Staff Writer\n\nTaylor Medine is a staff writer for Forbes Advisor with over 10 years of experience writing guides and articles that demystify personal finance topics, such as how to repay debt, build credit and manage student loans.\n\n- [![Linkedin icon](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/forbes-media-linkedin-icon.svg)](https:\/\/www.linkedin.com\/in\/taylormedine)\n\n[Read Full Bio![See Full Bio](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/read-full-bio.svg)](https:\/\/www.forbes.com\/advisor\/author\/tmedine\/)\n\nStaff Writer\n\n[![Michael Benninger](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2024\/06\/1719585593734-88x88.jpg)](https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/)\n\n![Michael Benninger](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2024\/06\/1719585593734-88x88.jpg)\n\nFact Checked by\n\n[Michael Benninger](https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/)Staff Editor\n\nWith more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been...\n\n- [![Linkedin icon](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/forbes-media-linkedin-icon.svg)](https:\/\/www.linkedin.com\/in\/mikebenninger\/)\n\n[Read Full Bio![See Full Bio](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/read-full-bio.svg)](https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/)\n\n![close icon](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/forbes-media-close-icon.svg)\n\n![Michael Benninger](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2024\/06\/1719585593734-88x88.jpg)\n\nFact Checked by\n\n[Michael Benninger](https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/)Staff Editor\n\nWith more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been...\n\n- [![Linkedin icon](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/forbes-media-linkedin-icon.svg)](https:\/\/www.linkedin.com\/in\/mikebenninger\/)\n\n[Read Full Bio![See Full Bio](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/read-full-bio.svg)](https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/)\n\nFact Checked\n\n[Michael Benninger](https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/)\n\n![Michael Benninger](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2024\/06\/1719585593734-88x88.jpg)\n\nFact Checked by\n\n[Michael Benninger](https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/)Staff Editor\n\nWith more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been...\n\n- [![Linkedin icon](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/forbes-media-linkedin-icon.svg)](https:\/\/www.linkedin.com\/in\/mikebenninger\/)\n\n[Read Full Bio![See Full Bio](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/read-full-bio.svg)](https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/)\n\n![close icon](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/forbes-media-close-icon.svg)\n\n![Michael Benninger](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2024\/06\/1719585593734-88x88.jpg)\n\nFact Checked by\n\n[Michael Benninger](https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/)Staff Editor\n\nWith more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been...\n\n- [![Linkedin icon](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/forbes-media-linkedin-icon.svg)](https:\/\/www.linkedin.com\/in\/mikebenninger\/)\n\n[Read Full Bio![See Full Bio](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/read-full-bio.svg)](https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/)\n\nStaff Editor\n\n& 1 other\n\nHave a question we may not have answered?\n\nAsk our editors here\n\nHave a question for Taylor Medine or our other editors?\n\nAsk here for a chance to be featured in a story.\n\nThis form is protected by reCAPTCHA Enterprise and the Google [Privacy Policy](https:\/\/policies.google.com\/privacy)and [Terms of Service](https:\/\/policies.google.com\/terms)apply.\n\n![Taylor Medine](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2022\/04\/Taylor-Bio-Photo-2-88x88.jpeg)\n\n![Michael Benninger](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2024\/06\/1719585593734-88x88.jpg)\n\nSend a note to Taylor Medine, Michael Benninger and our other editors. We read every email.\n\nBy submitting this form, you agree to allow us to collect, store, and potentially publish your provided information, including name and question, in the article or any related content. You confirm that the submitted content is original, accurate, and non-infringing on any third-party rights. We may contact you via the email address provided for follow-up questions or to notify you if your question is selected for publication. See our [Terms of Use](https:\/\/www.forbes.com\/terms-and-conditions\/#5cc91797193f)and our [Privacy Policy](https:\/\/www.forbes.com\/advisor\/privacy-policy\/).\n\nThank you for submitting your question.\n\nKeep reading Forbes Advisor for the chance to see the answer to your question in one of our upcoming stories. Our editors also may be in touch with follow-up questions.\n\nContinue reading\n\n![How To Save Money: 6 Easy Ways](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/900x510\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2023\/02\/how_to_save_money.jpg) Getty\n\nWhether you want to save up for a major purchase or just create more flexibility in your budget, here are some simple tips on how to save money.\n\n## 1\\. Set a Savings Goal\nGoal setting is the best way to organize your savings efforts and stay on track. Making goals SMART—specific, measurable, achievable, relevant and time-bound—turns them into actionable plans rather than unrealized intentions.\n\nDecide how much you want to save and give yourself a deadline. For example, if you want to save \\$1,000 for vacation, decide how many months you will save for, and break that goal down into manageable monthly goals.\n\nSaving \\$1,000 can feel overwhelming, but when you divide that into \\$200 savings deposits over five months, it can feel more achievable.\n\n## 2\\. Negotiate Bills and Cancel Subscriptions\nFixed expenses are bills that cost the same each month, like insurance, phone bills, subscription services or car payments. In some cases, you can still lower these bills by negotiating better rates or downgrading your service.\n\nPlus, canceling subscriptions altogether could save you a nice sum per month. A 2022 survey from C+R Research found that consumers tend to underestimate how much they spend on subscriptions. Survey takers guessed they spent \\$86 per month on average on subscriptions, but that number jumped to \\$219 on average when they reviewed their actual itemized expenses.\n\nRun through your bank statements and circle all your recurring expenses to see what you can cut out. For necessities, shop around and negotiate rates with providers at least once a year.\n\nBelow are some bills and subscriptions to consider negotiating or canceling:\n\n| BILLS TO NEGOTIATE | BILLS TO CONSIDER CANCELING |\n|---|---|\n| Cellphone | Video and music streaming services |\n| Internet | Food delivery service memberships |\n| Cable | Fitness memberships |\n| Insurance coverages | Newspaper or magazine subscriptions |\n|   | Subscription boxes |\n|   | Premium apps |\n|   | Gaming subscriptions |\n\n![Left Arrow](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f\/\/dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W\/rr+9crY6HxEgcwCBeuD+yQFCyPsH\/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o\/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=)\n\n![Right Arrow](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41\/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9\/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC)\n\nSee More\n\nSee Less\n## 3\\. Reduce Variable Spending\nVariable expenses are expenses that can fluctuate every month, such as car repairs, groceries, gas, clothes or dining out. These expenses change based on spending habits and life events.\n\nEstimate how much you spend in each variable category by reviewing bank and credit card statements and averaging expenses over the last several months.\n\nPacking lunches for work, hosting potlucks instead of going out for dinner and shopping at discount grocery stores are ways to potentially reduce variable costs.\n\nPro Tip\n\nConsider setting a “fun” budget or allowance for yourself, so you don’t get burnt out by cutting costs. Withdrawing your “fun” money budget in cash from an ATM could be one strategy to keep an eye on excess spending.\n## 4\\. Shop for a High-Yield Savings Account\nThe [best place to put savings](https:\/\/www.forbes.com\/advisor\/banking\/best-places-to-keep-your-emergency-fund\/) for near-term goals is in an account that earns interest and is easily accessible, in case you need cash for an emergency.\n\nInterest earnings on savings can help increase your balance. High-yield savings accounts may offer annual percentage yields (APYs) of 3.00% or higher, while the national average is just 0.39%, according to March 2026 data from the Federal Deposit Insurance Corporation (FDIC).\n\nOver time, that interest adds up. Say you deposit \\$500 into an account earning 5.00% APY, and you make \\$200 in monthly contributions for two years straight. Here’s how much interest could stack up:\n\n| DETAILS | 2026 | 2027 | 2028 |\n|---|---|---|---|\n| Principal | \\$500 | \\$2,900 | \\$5,300 |\n| Interest | \\- | \\$81 | \\$289 |\n| Total | \\$500 | \\$2,981 | \\$5,589 |\n\n![Left Arrow](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f\/\/dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W\/rr+9crY6HxEgcwCBeuD+yQFCyPsH\/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o\/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=)\n\n![Right Arrow](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41\/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9\/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC)\n\nSee More\n\nSee Less\n\nThe [best high-yield savings accounts](https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-high-yield-savings-accounts\/) usually have [no monthly fees](https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-no-fee-savings-accounts\/), and many of them are provided by [online banks](https:\/\/www.forbes.com\/advisor\/banking\/best-online-banks\/). Use a [savings calculator](https:\/\/www.forbes.com\/advisor\/banking\/savings\/savings-calculator\/) to estimate how much interest you may be able to earn.\n\n## 5\\. Automate Your Savings\nOnce you’ve cut down expenses and found a [savings account](https:\/\/www.forbes.com\/advisor\/banking\/places-to-save-money\/) to sock away your cash, set up automatic savings transfers from your checking account to savings.\n\nAutomation makes it possible for you to save without having to remember to make each deposit. This way, your money can grow with little effort.\n\n## 6\\. Devote Extra Cash to Savings\nLastly, if you receive extra cash from gifts, tax refunds, commissions or bonuses, devote all or a part of that money to savings. Large deposits are a shortcut that can supercharge your balance.\n\n## Why Saving Money Is Important\nBuilding savings is key to weathering the storm if emergency expenses arise. With savings in the bank, you can limit credit usage when you need to cover big purchases or surprise bills.\n\nExperts recommend having at least \\$1,000 in savings at first. But ideally, you want to build up to at least three to six months’ worth of expenses in [emergency savings](https:\/\/www.forbes.com\/advisor\/banking\/emergency-fund-calculator\/) in case you lose a job or experience a financial setback.\n\nThe average monthly household expenditure is \\$6,545, according to the Bureau of Labor Statistics. With this figure in mind, the average household should aim for close to \\$20,000 (\\$6,545 multiplied by three months) in emergency savings.\n\nLet’s face it—it may not be easy to save \\$20,000 overnight or even in a year, and that’s OK. You can grow your savings balance over time by reducing expenses and making regular deposits.\n\n## Tips for Saving Money Fast\nIf you need to save aggressively, consider following these money saving tips:\n\n1. **Use a budgeting app.** [Budgeting apps](https:\/\/www.forbes.com\/advisor\/banking\/best-budgeting-apps\/) can quickly sync to your financial accounts and categorize your expenses so you can create a budget, identify overspending and change money habits.\n2. **Try a money-saving app.** [Money-saving apps](https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-money-saving-apps\/) can automate your savings contributions based on savings rules. For example, [Oportun](https:\/\/www.forbes.com\/advisor\/banking\/digit-budgeting-app-review\/) is an app that can scan your account balances to review your income and spending. Then it automatically saves small amounts you don’t need.\n3. **Cut out all unnecessary spending.** Limit spending that’s not essential, such as takeout, entertainment, subscriptions, personal care and retail shopping. Operating on a bare-bones budget probably won’t be sustainable long term, but for a short time, it can increase the amount you’re able to save.\n4. **Find cheap gas.** Use apps like GasBuddy and Waze to scope out the cheapest gas in your area.\n5. **Meal prep.** Take lunch and coffee to work and pack lunches for your family to reduce coffee shop orders and fast-food expenses.\n6. **Increase income.** Consider taking part-time work or working in the gig economy doing deliveries, rideshares or freelance tasks to bring in more income for savings.\n7. **Reduce waste.** Take steps to reduce energy waste, like turning lights off when not in use and switching to energy-efficient bulbs. Switching to reusable microfiber towels can also cut down on paper waste and costs.\n8. **Sell items.** If you have extra bikes, furniture, decor, clothes, shoes or electronics, consider selling them to generate some cash for savings.\n## The Final Word\nBuilding a sizable emergency fund or saving for a large purchase can feel daunting, but putting away small amounts incrementally can build over time. Focus on consistent progress. Once you find ways to reduce expenses, automate your savings deposits and watch savings grow.\n\n## Frequently Asked Questions (FAQs)\n### What are the easiest ways to save money?\nThe easiest way to save money is to reduce nonessential spending and devote that cash to savings. Taking additional steps to create a budget, negotiating lower service rates with providers and finding opportunities for increased income can help you save even more.\n\n### Is it better to save or pay off debt?\nSaving and repaying debt are both important, especially since accumulating savings can help you avoid having to borrow for future expenses. If building emergency savings is your focus, commit to making at least the minimum debt payments to avoid a credit score hit from nonpayment. Next, prioritizing the highest-interest debt first could save you money on interest charges.\n\n### How to save money on food?\nLimit takeout ordering and create a shopping list before going to the grocery store to cut down on impulse spending. Consider buying in bulk, and comparison shop across many grocery retailers to see where you can get the best deals for items you need.\n\nWas this article helpful?\n\nShare your feedback\n\nSend feedback to the editorial team\n\n![User Form](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/user-feedback-form\/user-form-icon.svg)\n\n![Success Icon](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/user-feedback-form\/success-icon.svg)\n\nThank You for your feedback\\!\n\n![Error Icon](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/user-feedback-form\/error-icon.svg)\n\nSomething went wrong. Please try again later.\n\nFind The Best Accounts\n\n- [Best High-Yield Savings Accounts](https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-high-yield-savings-accounts\/ \"Best High-Yield Savings Accounts\")\n- [Best 5% Interest Savings Accounts](https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-5-percent-interest-savings-accounts\/ \"Best 5% Interest Savings Accounts\")\n- [Best Business Savings Accounts](https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-business-savings-accounts\/ \"Best Business Savings Accounts\")\n- [Best Health Savings Accounts](https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-health-savings-accounts\/ \"Best Health Savings Accounts\")\n- [Best Savings Accounts For Kids And Teens](https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-savings-accounts-for-kids\/ \"Best Savings Accounts For Kids And Teens\")\n- [Best Savings Accounts With Debit 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Review](https:\/\/www.forbes.com\/advisor\/banking\/savings\/etrade-savings-account\/ \"E*TRADE Premium Savings Account Review\")\n- [DollarSavingsDirect Review](https:\/\/www.forbes.com\/advisor\/?p=66363 \"DollarSavingsDirect Review\")\n- [Affirm Savings Account Review](https:\/\/www.forbes.com\/advisor\/banking\/savings\/affirm-savings-account-review\/ \"Affirm Savings Account Review\")\n- [Capital One Business Savings Review](https:\/\/www.forbes.com\/advisor\/banking\/savings\/capital-one-business-savings-review\/ \"Capital One Business Savings Review\")\n\nCalculators\n\n- [Savings Interest Calculator](https:\/\/www.forbes.com\/advisor\/banking\/savings\/savings-calculator\/ \"Savings Interest Calculator\")\n- [Save A Million Calculator](https:\/\/www.forbes.com\/advisor\/banking\/savings\/millionaire-calculator\/ \"Save A Million Calculator\")\n- [Savings Goal Calculator](https:\/\/www.forbes.com\/advisor\/banking\/savings\/savings-goal-calculator\/ \"Savings Goal Calculator\")\n\nSavings Rates\n\n- [American Express Savings Rates](https:\/\/www.forbes.com\/advisor\/banking\/savings\/amex-savings-rates\/ \"American Express Savings Rates\")\n- [Chase Savings Account Interest Rates](https:\/\/www.forbes.com\/advisor\/banking\/savings\/chase-savings-rates\/ \"Chase Savings Account Interest Rates\")\n- [Capital One Savings Account Interest Rates](https:\/\/www.forbes.com\/advisor\/banking\/savings\/capital-one-savings-account-rates\/ \"Capital One Savings Account Interest Rates\")\n- [USAA Savings Account Rates](https:\/\/www.forbes.com\/advisor\/banking\/savings\/usaa-savings-account-rates\/ \"USAA Savings Account Rates\")\n- [Citibank Savings Account Interest Rates](https:\/\/www.forbes.com\/advisor\/banking\/savings\/citibank-savings-account-interest-rate\/ \"Citibank Savings Account Interest Rates\")\n- [Wells Fargo Savings Account Interest Rates](https:\/\/www.forbes.com\/advisor\/banking\/savings\/wells-fargo-savings-account-rates\/ \"Wells Fargo Savings Account Interest Rates\")\n- [Bank Of America Savings Account Interest Rates](https:\/\/www.forbes.com\/advisor\/banking\/savings\/bank-of-america-savings-account-interest-rate\/ \"Bank Of America Savings Account Interest Rates\")\n- [Synchrony Bank Savings Rate](https:\/\/www.forbes.com\/advisor\/banking\/savings\/synchrony-bank-savings-rate\/ \"Synchrony Bank Savings Rate\")\n\nRecommended Reading\n\n- [What Is A Savings Account?](https:\/\/www.forbes.com\/advisor\/banking\/savings\/what-is-a-savings-account\/ \"What Is A Savings Account?\")\n- [Types Of Savings Accounts](https:\/\/www.forbes.com\/advisor\/banking\/savings\/types-of-savings-accounts\/ \"Types Of Savings Accounts\")\n- [Are High-Yield Savings Accounts Worth It?](https:\/\/www.forbes.com\/advisor\/banking\/savings\/are-high-yield-savings-accounts-worth-it\/ \"Are High-Yield Savings Accounts Worth It?\")\n- [Savings Rates Forecast](https:\/\/www.forbes.com\/advisor\/banking\/savings\/savings-rates-forecast\/ \"Savings Rates Forecast\")\n- [Average Savings By Age](https:\/\/www.forbes.com\/advisor\/banking\/savings\/average-savings-by-age\/ \"Average Savings By Age\")\n- [How To Open A Savings Account For A Child](https:\/\/www.forbes.com\/advisor\/banking\/savings\/guide-to-childrens-and-kids-savings-accounts\/ \"How To Open A Savings Account For A Child\")\n\n### Next Up In Savings\n- [Best High-Yield Savings Accounts](https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-high-yield-savings-accounts\/ \"Best High-Yield Savings Accounts\")\n- [Best Business Savings Accounts](https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-business-savings-accounts\/ \"Best Business Savings Accounts\")\n- [Best Credit Union Savings Accounts](https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-credit-union-for-savings-account\/ \"Best Credit Union Savings Accounts\")\n- [Savings Interest 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2, 2026 – Rates Are Steady\")\n\nInformation provided on Forbes Advisor is for educational purposes only. 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The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our [partners](https:\/\/www.forbes.com\/advisor\/advertiser-disclosure\/ \"Advertiser Disclosure\").\n\n[![Taylor Medine](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2022\/04\/Taylor-Bio-Photo-2-88x88.jpeg)](https:\/\/www.forbes.com\/advisor\/author\/tmedine\/ \"Taylor Medine\")\n\n[Taylor Medine](https:\/\/www.forbes.com\/advisor\/author\/tmedine\/)\n\nStaff Writer\n\nTaylor Medine is a staff writer for Forbes Advisor with over 10 years of experience writing guides and articles that demystify personal finance topics, such as how to repay debt, build credit and manage student loans.\n\n© 2026 Forbes Media LLC. All Rights Reserved.\n\n- [AdChoices](https:\/\/preferences-mgr.truste.com\/?pid=forbes01)\n- [Privacy Statement](https:\/\/www.forbes.com\/advisor\/privacy-policy\/)\n- [Do Not Sell or Share My Personal Information](https:\/\/www.forbes.com\/consent\/editprivacy\/?consent_do_not_sell=true)\n- [Limit the Use of My Sensitive Personal Information](https:\/\/www.forbes.com\/consent\/editprivacy\/?consent_limit=true)\n- [Privacy Preferences](https:\/\/www.forbes.com\/consent\/editprivacy\/?consent_limit=true)\n- [Terms of Sale](https:\/\/www.forbes.com\/digital-terms-of-sale)\n- [Terms of Service](https:\/\/www.forbes.com\/terms-and-conditions\/)\n- [Contact Us](https:\/\/www.forbes.com\/fdc\/contact.html)\n- [Send Us Feedback](mailto:feedback@forbes.com)\n- [Report a Security Issue](https:\/\/www.forbes.com\/contact\/)\n- [Jobs At Forbes](https:\/\/www.forbes.com\/sites\/careers-at-forbes\/)\n- [Reprints & Permissions](http:\/\/forbesreprints.magreprints.com\/)\n- [Forbes Press Room](https:\/\/www.forbes.com\/sites\/forbespr\/)\n- [Advertise](http:\/\/www.forbesmedia.com\/)\n\nlorem\n\nAre you sure you want to rest your choices?\n\ncancel\n\nok\n\nThe Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. This compensation comes from two main sources. **First**, we provide paid placements to advertisers to present their offers. The compensation we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market. **Second,** we also include links to advertisers’ offers in some of our articles; these “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor. While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. Here is a list of our [partners](https:\/\/www.forbes.com\/advisor\/advertiser-disclosure\/) who offer products that we have affiliate links for.","attrs_readable_markdown":"Whether you want to save up for a major purchase or just create more flexibility in your budget, here are some simple tips on how to save money.\n\n## 1\\. Set a Savings Goal\nGoal setting is the best way to organize your savings efforts and stay on track. Making goals SMART—specific, measurable, achievable, relevant and time-bound—turns them into actionable plans rather than unrealized intentions.\n\nDecide how much you want to save and give yourself a deadline. For example, if you want to save \\$1,000 for vacation, decide how many months you will save for, and break that goal down into manageable monthly goals.\n\nSaving \\$1,000 can feel overwhelming, but when you divide that into \\$200 savings deposits over five months, it can feel more achievable.\n\n## 2\\. Negotiate Bills and Cancel Subscriptions\nFixed expenses are bills that cost the same each month, like insurance, phone bills, subscription services or car payments. In some cases, you can still lower these bills by negotiating better rates or downgrading your service.\n\nPlus, canceling subscriptions altogether could save you a nice sum per month. A 2022 survey from C+R Research found that consumers tend to underestimate how much they spend on subscriptions. Survey takers guessed they spent \\$86 per month on average on subscriptions, but that number jumped to \\$219 on average when they reviewed their actual itemized expenses.\n\nRun through your bank statements and circle all your recurring expenses to see what you can cut out. For necessities, shop around and negotiate rates with providers at least once a year.\n\nBelow are some bills and subscriptions to consider negotiating or canceling:\n\n| BILLS TO NEGOTIATE | BILLS TO CONSIDER CANCELING |\n|---|---|\n| Cellphone | Video and music streaming services |\n| Internet | Food delivery service memberships |\n| Cable | Fitness memberships |\n| Insurance coverages | Newspaper or magazine subscriptions |\n|   | Subscription boxes |\n|   | Premium apps |\n|   | Gaming subscriptions |\n## 3\\. Reduce Variable Spending\nVariable expenses are expenses that can fluctuate every month, such as car repairs, groceries, gas, clothes or dining out. These expenses change based on spending habits and life events.\n\nEstimate how much you spend in each variable category by reviewing bank and credit card statements and averaging expenses over the last several months.\n\nPacking lunches for work, hosting potlucks instead of going out for dinner and shopping at discount grocery stores are ways to potentially reduce variable costs.\n\nPro Tip\n\nConsider setting a “fun” budget or allowance for yourself, so you don’t get burnt out by cutting costs. Withdrawing your “fun” money budget in cash from an ATM could be one strategy to keep an eye on excess spending.\n## 4\\. Shop for a High-Yield Savings Account\nThe [best place to put savings](https:\/\/www.forbes.com\/advisor\/banking\/best-places-to-keep-your-emergency-fund\/) for near-term goals is in an account that earns interest and is easily accessible, in case you need cash for an emergency.\n\nInterest earnings on savings can help increase your balance. High-yield savings accounts may offer annual percentage yields (APYs) of 3.00% or higher, while the national average is just 0.39%, according to March 2026 data from the Federal Deposit Insurance Corporation (FDIC).\n\nOver time, that interest adds up. Say you deposit \\$500 into an account earning 5.00% APY, and you make \\$200 in monthly contributions for two years straight. Here’s how much interest could stack up:\n\n| DETAILS | 2026 | 2027 | 2028 |\n|---|---|---|---|\n| Principal | \\$500 | \\$2,900 | \\$5,300 |\n| Interest | \\- | \\$81 | \\$289 |\n| Total | \\$500 | \\$2,981 | \\$5,589 |\n\nThe [best high-yield savings accounts](https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-high-yield-savings-accounts\/) usually have [no monthly fees](https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-no-fee-savings-accounts\/), and many of them are provided by [online banks](https:\/\/www.forbes.com\/advisor\/banking\/best-online-banks\/). Use a [savings calculator](https:\/\/www.forbes.com\/advisor\/banking\/savings\/savings-calculator\/) to estimate how much interest you may be able to earn.\n\n## 5\\. Automate Your Savings\nOnce you’ve cut down expenses and found a [savings account](https:\/\/www.forbes.com\/advisor\/banking\/places-to-save-money\/) to sock away your cash, set up automatic savings transfers from your checking account to savings.\n\nAutomation makes it possible for you to save without having to remember to make each deposit. This way, your money can grow with little effort.\n\nLastly, if you receive extra cash from gifts, tax refunds, commissions or bonuses, devote all or a part of that money to savings. Large deposits are a shortcut that can supercharge your balance.\n\n## Why Saving Money Is Important\nBuilding savings is key to weathering the storm if emergency expenses arise. With savings in the bank, you can limit credit usage when you need to cover big purchases or surprise bills.\n\nExperts recommend having at least \\$1,000 in savings at first. But ideally, you want to build up to at least three to six months’ worth of expenses in [emergency savings](https:\/\/www.forbes.com\/advisor\/banking\/emergency-fund-calculator\/) in case you lose a job or experience a financial setback.\n\nThe average monthly household expenditure is \\$6,545, according to the Bureau of Labor Statistics. With this figure in mind, the average household should aim for close to \\$20,000 (\\$6,545 multiplied by three months) in emergency savings.\n\nLet’s face it—it may not be easy to save \\$20,000 overnight or even in a year, and that’s OK. You can grow your savings balance over time by reducing expenses and making regular deposits.\n\n## Tips for Saving Money Fast\nIf you need to save aggressively, consider following these money saving tips:\n\n1. **Use a budgeting app.** [Budgeting apps](https:\/\/www.forbes.com\/advisor\/banking\/best-budgeting-apps\/) can quickly sync to your financial accounts and categorize your expenses so you can create a budget, identify overspending and change money habits.\n2. **Try a money-saving app.** [Money-saving apps](https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-money-saving-apps\/) can automate your savings contributions based on savings rules. For example, [Oportun](https:\/\/www.forbes.com\/advisor\/banking\/digit-budgeting-app-review\/) is an app that can scan your account balances to review your income and spending. Then it automatically saves small amounts you don’t need.\n3. **Cut out all unnecessary spending.** Limit spending that’s not essential, such as takeout, entertainment, subscriptions, personal care and retail shopping. Operating on a bare-bones budget probably won’t be sustainable long term, but for a short time, it can increase the amount you’re able to save.\n4. **Find cheap gas.** Use apps like GasBuddy and Waze to scope out the cheapest gas in your area.\n5. **Meal prep.** Take lunch and coffee to work and pack lunches for your family to reduce coffee shop orders and fast-food expenses.\n6. **Increase income.** Consider taking part-time work or working in the gig economy doing deliveries, rideshares or freelance tasks to bring in more income for savings.\n7. **Reduce waste.** Take steps to reduce energy waste, like turning lights off when not in use and switching to energy-efficient bulbs. Switching to reusable microfiber towels can also cut down on paper waste and costs.\n8. **Sell items.** If you have extra bikes, furniture, decor, clothes, shoes or electronics, consider selling them to generate some cash for savings.\n## The Final Word\nBuilding a sizable emergency fund or saving for a large purchase can feel daunting, but putting away small amounts incrementally can build over time. Focus on consistent progress. Once you find ways to reduce expenses, automate your savings deposits and watch savings grow.\n\n## Frequently Asked Questions (FAQs)\nThe easiest way to save money is to reduce nonessential spending and devote that cash to savings. Taking additional steps to create a budget, negotiating lower service rates with providers and finding opportunities for increased income can help you save even more.\n\nSaving and repaying debt are both important, especially since accumulating savings can help you avoid having to borrow for future expenses. If building emergency savings is your focus, commit to making at least the minimum debt payments to avoid a credit score hit from nonpayment. Next, prioritizing the highest-interest debt first could save you money on interest charges.\n\nLimit takeout ordering and create a shopping list before going to the grocery store to cut down on impulse spending. Consider buying in bulk, and comparison shop across many grocery retailers to see where you can get the best deals for items you need.","meta_canonical":null}

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URL	https://www.forbes.com/advisor/banking/savings/save-money/
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Meta Title	How To Save Money: 6 Easy Ways – Forbes Advisor
Meta Description	Learn how to save money on everyday expenses so you can grow savings for emergencies or big-ticket purchases.
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Boilerpipe Text	Whether you want to save up for a major purchase or just create more flexibility in your budget, here are some simple tips on how to save money. 1. Set a Savings Goal Goal setting is the best way to organize your savings efforts and stay on track. Making goals SMART—specific, measurable, achievable, relevant and time-bound—turns them into actionable plans rather than unrealized intentions. Decide how much you want to save and give yourself a deadline. For example, if you want to save $1,000 for vacation, decide how many months you will save for, and break that goal down into manageable monthly goals. Saving $1,000 can feel overwhelming, but when you divide that into $200 savings deposits over five months, it can feel more achievable. 2. Negotiate Bills and Cancel Subscriptions Fixed expenses are bills that cost the same each month, like insurance, phone bills, subscription services or car payments. In some cases, you can still lower these bills by negotiating better rates or downgrading your service. Plus, canceling subscriptions altogether could save you a nice sum per month. A 2022 survey from C+R Research found that consumers tend to underestimate how much they spend on subscriptions. Survey takers guessed they spent $86 per month on average on subscriptions, but that number jumped to $219 on average when they reviewed their actual itemized expenses. Run through your bank statements and circle all your recurring expenses to see what you can cut out. For necessities, shop around and negotiate rates with providers at least once a year. Below are some bills and subscriptions to consider negotiating or canceling: BILLS TO NEGOTIATE BILLS TO CONSIDER CANCELING Cellphone Video and music streaming services Internet Food delivery service memberships Cable Fitness memberships Insurance coverages Newspaper or magazine subscriptions Subscription boxes Premium apps Gaming subscriptions 3. Reduce Variable Spending Variable expenses are expenses that can fluctuate every month, such as car repairs, groceries, gas, clothes or dining out. These expenses change based on spending habits and life events. Estimate how much you spend in each variable category by reviewing bank and credit card statements and averaging expenses over the last several months. Packing lunches for work, hosting potlucks instead of going out for dinner and shopping at discount grocery stores are ways to potentially reduce variable costs. Pro Tip Consider setting a “fun” budget or allowance for yourself, so you don’t get burnt out by cutting costs. Withdrawing your “fun” money budget in cash from an ATM could be one strategy to keep an eye on excess spending. 4. Shop for a High-Yield Savings Account The best place to put savings for near-term goals is in an account that earns interest and is easily accessible, in case you need cash for an emergency. Interest earnings on savings can help increase your balance. High-yield savings accounts may offer annual percentage yields (APYs) of 3.00% or higher, while the national average is just 0.39%, according to March 2026 data from the Federal Deposit Insurance Corporation (FDIC). Over time, that interest adds up. Say you deposit $500 into an account earning 5.00% APY, and you make $200 in monthly contributions for two years straight. Here’s how much interest could stack up: DETAILS 2026 2027 2028 Principal $500 $2,900 $5,300 Interest - $81 $289 Total $500 $2,981 $5,589 The best high-yield savings accounts usually have no monthly fees , and many of them are provided by online banks . Use a savings calculator to estimate how much interest you may be able to earn. 5. Automate Your Savings Once you’ve cut down expenses and found a savings account to sock away your cash, set up automatic savings transfers from your checking account to savings. Automation makes it possible for you to save without having to remember to make each deposit. This way, your money can grow with little effort. Lastly, if you receive extra cash from gifts, tax refunds, commissions or bonuses, devote all or a part of that money to savings. Large deposits are a shortcut that can supercharge your balance. Why Saving Money Is Important Building savings is key to weathering the storm if emergency expenses arise. With savings in the bank, you can limit credit usage when you need to cover big purchases or surprise bills. Experts recommend having at least $1,000 in savings at first. But ideally, you want to build up to at least three to six months’ worth of expenses in emergency savings in case you lose a job or experience a financial setback. The average monthly household expenditure is $6,545, according to the Bureau of Labor Statistics. With this figure in mind, the average household should aim for close to $20,000 ($6,545 multiplied by three months) in emergency savings. Let’s face it—it may not be easy to save $20,000 overnight or even in a year, and that’s OK. You can grow your savings balance over time by reducing expenses and making regular deposits. Tips for Saving Money Fast If you need to save aggressively, consider following these money saving tips: Use a budgeting app. Budgeting apps can quickly sync to your financial accounts and categorize your expenses so you can create a budget, identify overspending and change money habits. Try a money-saving app. Money-saving apps can automate your savings contributions based on savings rules. For example, Oportun is an app that can scan your account balances to review your income and spending. Then it automatically saves small amounts you don’t need. Cut out all unnecessary spending. Limit spending that’s not essential, such as takeout, entertainment, subscriptions, personal care and retail shopping. Operating on a bare-bones budget probably won’t be sustainable long term, but for a short time, it can increase the amount you’re able to save. Find cheap gas. Use apps like GasBuddy and Waze to scope out the cheapest gas in your area. Meal prep. Take lunch and coffee to work and pack lunches for your family to reduce coffee shop orders and fast-food expenses. Increase income. Consider taking part-time work or working in the gig economy doing deliveries, rideshares or freelance tasks to bring in more income for savings. Reduce waste. Take steps to reduce energy waste, like turning lights off when not in use and switching to energy-efficient bulbs. Switching to reusable microfiber towels can also cut down on paper waste and costs. Sell items. If you have extra bikes, furniture, decor, clothes, shoes or electronics, consider selling them to generate some cash for savings. The Final Word Building a sizable emergency fund or saving for a large purchase can feel daunting, but putting away small amounts incrementally can build over time. Focus on consistent progress. Once you find ways to reduce expenses, automate your savings deposits and watch savings grow. Frequently Asked Questions (FAQs) The easiest way to save money is to reduce nonessential spending and devote that cash to savings. Taking additional steps to create a budget, negotiating lower service rates with providers and finding opportunities for increased income can help you save even more. Saving and repaying debt are both important, especially since accumulating savings can help you avoid having to borrow for future expenses. If building emergency savings is your focus, commit to making at least the minimum debt payments to avoid a credit score hit from nonpayment. Next, prioritizing the highest-interest debt first could save you money on interest charges. Limit takeout ordering and create a shopping list before going to the grocery store to cut down on impulse spending. Consider buying in bulk, and comparison shop across many grocery retailers to see where you can get the best deals for items you need.
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Advertiser Disclosure - [Advisor](https://www.forbes.com/advisor) - [Banking](https://www.forbes.com/advisor/banking/) - [Savings](https://www.forbes.com/advisor/banking/savings/best-high-yield-savings-accounts/) # How To Save Money: 6 Easy Ways Audited & Verified: Mar 16, 2026, 9:46am [![Taylor Medine](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/04/Taylor-Bio-Photo-2-88x88.jpeg)](https://www.forbes.com/advisor/author/tmedine/) ![Taylor Medine](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/04/Taylor-Bio-Photo-2-88x88.jpeg) [Taylor Medine](https://www.forbes.com/advisor/author/tmedine/)Staff Writer Taylor Medine is a staff writer for Forbes Advisor with over 10 years of experience writing guides and articles that demystify personal finance topics, such as how to repay debt, build credit and manage student loans. - [![Linkedin icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg)](https://www.linkedin.com/in/taylormedine) [Read Full Bio![See Full Bio](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg)](https://www.forbes.com/advisor/author/tmedine/) ![close icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg) ![Taylor Medine](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/04/Taylor-Bio-Photo-2-88x88.jpeg) [Taylor Medine](https://www.forbes.com/advisor/author/tmedine/)Staff Writer Taylor Medine is a staff writer for Forbes Advisor with over 10 years of experience writing guides and articles that demystify personal finance topics, such as how to repay debt, build credit and manage student loans. - [![Linkedin icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg)](https://www.linkedin.com/in/taylormedine) [Read Full Bio![See Full Bio](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg)](https://www.forbes.com/advisor/author/tmedine/) Written By [Taylor Medine](https://www.forbes.com/advisor/author/tmedine/) ![Taylor Medine](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/04/Taylor-Bio-Photo-2-88x88.jpeg) [Taylor Medine](https://www.forbes.com/advisor/author/tmedine/)Staff Writer Taylor Medine is a staff writer for Forbes Advisor with over 10 years of experience writing guides and articles that demystify personal finance topics, such as how to repay debt, build credit and manage student loans. - [![Linkedin icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg)](https://www.linkedin.com/in/taylormedine) [Read Full Bio![See Full Bio](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg)](https://www.forbes.com/advisor/author/tmedine/) ![close icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg) ![Taylor Medine](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/04/Taylor-Bio-Photo-2-88x88.jpeg) [Taylor Medine](https://www.forbes.com/advisor/author/tmedine/)Staff Writer Taylor Medine is a staff writer for Forbes Advisor with over 10 years of experience writing guides and articles that demystify personal finance topics, such as how to repay debt, build credit and manage student loans. - [![Linkedin icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg)](https://www.linkedin.com/in/taylormedine) [Read Full Bio![See Full Bio](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg)](https://www.forbes.com/advisor/author/tmedine/) Staff Writer [![Michael Benninger](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/1719585593734-88x88.jpg)](https://www.forbes.com/advisor/author/mbenninger/) ![Michael Benninger](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/1719585593734-88x88.jpg) Fact Checked by [Michael Benninger](https://www.forbes.com/advisor/author/mbenninger/)Staff Editor With more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been... - [![Linkedin icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg)](https://www.linkedin.com/in/mikebenninger/) [Read Full Bio![See Full Bio](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg)](https://www.forbes.com/advisor/author/mbenninger/) ![close icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg) ![Michael Benninger](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/1719585593734-88x88.jpg) Fact Checked by [Michael Benninger](https://www.forbes.com/advisor/author/mbenninger/)Staff Editor With more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been... - [![Linkedin icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg)](https://www.linkedin.com/in/mikebenninger/) [Read Full Bio![See Full Bio](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg)](https://www.forbes.com/advisor/author/mbenninger/) Fact Checked [Michael Benninger](https://www.forbes.com/advisor/author/mbenninger/) ![Michael Benninger](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/1719585593734-88x88.jpg) Fact Checked by [Michael Benninger](https://www.forbes.com/advisor/author/mbenninger/)Staff Editor With more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been... - [![Linkedin icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg)](https://www.linkedin.com/in/mikebenninger/) [Read Full Bio![See Full Bio](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg)](https://www.forbes.com/advisor/author/mbenninger/) ![close icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg) ![Michael Benninger](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/1719585593734-88x88.jpg) Fact Checked by [Michael Benninger](https://www.forbes.com/advisor/author/mbenninger/)Staff Editor With more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been... - [![Linkedin icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg)](https://www.linkedin.com/in/mikebenninger/) [Read Full Bio![See Full Bio](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg)](https://www.forbes.com/advisor/author/mbenninger/) Staff Editor & 1 other Have a question we may not have answered? Ask our editors here Have a question for Taylor Medine or our other editors? Ask here for a chance to be featured in a story. This form is protected by reCAPTCHA Enterprise and the Google [Privacy Policy](https://policies.google.com/privacy)and [Terms of Service](https://policies.google.com/terms)apply. ![Taylor Medine](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/04/Taylor-Bio-Photo-2-88x88.jpeg) ![Michael Benninger](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/1719585593734-88x88.jpg) Send a note to Taylor Medine, Michael Benninger and our other editors. We read every email. By submitting this form, you agree to allow us to collect, store, and potentially publish your provided information, including name and question, in the article or any related content. You confirm that the submitted content is original, accurate, and non-infringing on any third-party rights. We may contact you via the email address provided for follow-up questions or to notify you if your question is selected for publication. See our [Terms of Use](https://www.forbes.com/terms-and-conditions/#5cc91797193f)and our [Privacy Policy](https://www.forbes.com/advisor/privacy-policy/). Thank you for submitting your question. Keep reading Forbes Advisor for the chance to see the answer to your question in one of our upcoming stories. Our editors also may be in touch with follow-up questions. Continue reading ![How To Save Money: 6 Easy Ways](https://thumbor.forbes.com/thumbor/fit-in/900x510/https://www.forbes.com/advisor/wp-content/uploads/2023/02/how_to_save_money.jpg) Getty Whether you want to save up for a major purchase or just create more flexibility in your budget, here are some simple tips on how to save money. ## 1\. Set a Savings Goal Goal setting is the best way to organize your savings efforts and stay on track. Making goals SMART—specific, measurable, achievable, relevant and time-bound—turns them into actionable plans rather than unrealized intentions. Decide how much you want to save and give yourself a deadline. For example, if you want to save \$1,000 for vacation, decide how many months you will save for, and break that goal down into manageable monthly goals. Saving \$1,000 can feel overwhelming, but when you divide that into \$200 savings deposits over five months, it can feel more achievable. ## 2\. Negotiate Bills and Cancel Subscriptions Fixed expenses are bills that cost the same each month, like insurance, phone bills, subscription services or car payments. In some cases, you can still lower these bills by negotiating better rates or downgrading your service. Plus, canceling subscriptions altogether could save you a nice sum per month. A 2022 survey from C+R Research found that consumers tend to underestimate how much they spend on subscriptions. Survey takers guessed they spent \$86 per month on average on subscriptions, but that number jumped to \$219 on average when they reviewed their actual itemized expenses. Run through your bank statements and circle all your recurring expenses to see what you can cut out. For necessities, shop around and negotiate rates with providers at least once a year. Below are some bills and subscriptions to consider negotiating or canceling: \| BILLS TO NEGOTIATE \| BILLS TO CONSIDER CANCELING \| \|---\|---\| \| Cellphone \| Video and music streaming services \| \| Internet \| Food delivery service memberships \| \| Cable \| Fitness memberships \| \| Insurance coverages \| Newspaper or magazine subscriptions \| \| \| Subscription boxes \| \| \| Premium apps \| \| \| Gaming subscriptions \| ![Left Arrow](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=) ![Right Arrow](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC) See More See Less ## 3\. Reduce Variable Spending Variable expenses are expenses that can fluctuate every month, such as car repairs, groceries, gas, clothes or dining out. These expenses change based on spending habits and life events. Estimate how much you spend in each variable category by reviewing bank and credit card statements and averaging expenses over the last several months. Packing lunches for work, hosting potlucks instead of going out for dinner and shopping at discount grocery stores are ways to potentially reduce variable costs. Pro Tip Consider setting a “fun” budget or allowance for yourself, so you don’t get burnt out by cutting costs. Withdrawing your “fun” money budget in cash from an ATM could be one strategy to keep an eye on excess spending. ## 4\. Shop for a High-Yield Savings Account The [best place to put savings](https://www.forbes.com/advisor/banking/best-places-to-keep-your-emergency-fund/) for near-term goals is in an account that earns interest and is easily accessible, in case you need cash for an emergency. Interest earnings on savings can help increase your balance. High-yield savings accounts may offer annual percentage yields (APYs) of 3.00% or higher, while the national average is just 0.39%, according to March 2026 data from the Federal Deposit Insurance Corporation (FDIC). Over time, that interest adds up. Say you deposit \$500 into an account earning 5.00% APY, and you make \$200 in monthly contributions for two years straight. Here’s how much interest could stack up: \| DETAILS \| 2026 \| 2027 \| 2028 \| \|---\|---\|---\|---\| \| Principal \| \$500 \| \$2,900 \| \$5,300 \| \| Interest \| \- \| \$81 \| \$289 \| \| Total \| \$500 \| \$2,981 \| \$5,589 \| ![Left Arrow](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=) ![Right Arrow](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC) See More See Less The [best high-yield savings accounts](https://www.forbes.com/advisor/banking/savings/best-high-yield-savings-accounts/) usually have [no monthly fees](https://www.forbes.com/advisor/banking/savings/best-no-fee-savings-accounts/), and many of them are provided by [online banks](https://www.forbes.com/advisor/banking/best-online-banks/). Use a [savings calculator](https://www.forbes.com/advisor/banking/savings/savings-calculator/) to estimate how much interest you may be able to earn. ## 5\. Automate Your Savings Once you’ve cut down expenses and found a [savings account](https://www.forbes.com/advisor/banking/places-to-save-money/) to sock away your cash, set up automatic savings transfers from your checking account to savings. Automation makes it possible for you to save without having to remember to make each deposit. This way, your money can grow with little effort. ## 6\. Devote Extra Cash to Savings Lastly, if you receive extra cash from gifts, tax refunds, commissions or bonuses, devote all or a part of that money to savings. Large deposits are a shortcut that can supercharge your balance. ## Why Saving Money Is Important Building savings is key to weathering the storm if emergency expenses arise. With savings in the bank, you can limit credit usage when you need to cover big purchases or surprise bills. Experts recommend having at least \$1,000 in savings at first. But ideally, you want to build up to at least three to six months’ worth of expenses in [emergency savings](https://www.forbes.com/advisor/banking/emergency-fund-calculator/) in case you lose a job or experience a financial setback. The average monthly household expenditure is \$6,545, according to the Bureau of Labor Statistics. With this figure in mind, the average household should aim for close to \$20,000 (\$6,545 multiplied by three months) in emergency savings. Let’s face it—it may not be easy to save \$20,000 overnight or even in a year, and that’s OK. You can grow your savings balance over time by reducing expenses and making regular deposits. ## Tips for Saving Money Fast If you need to save aggressively, consider following these money saving tips: 1. Use a budgeting app. [Budgeting apps](https://www.forbes.com/advisor/banking/best-budgeting-apps/) can quickly sync to your financial accounts and categorize your expenses so you can create a budget, identify overspending and change money habits. 2. Try a money-saving app. [Money-saving apps](https://www.forbes.com/advisor/banking/savings/best-money-saving-apps/) can automate your savings contributions based on savings rules. For example, [Oportun](https://www.forbes.com/advisor/banking/digit-budgeting-app-review/) is an app that can scan your account balances to review your income and spending. Then it automatically saves small amounts you don’t need. 3. Cut out all unnecessary spending. Limit spending that’s not essential, such as takeout, entertainment, subscriptions, personal care and retail shopping. Operating on a bare-bones budget probably won’t be sustainable long term, but for a short time, it can increase the amount you’re able to save. 4. Find cheap gas. Use apps like GasBuddy and Waze to scope out the cheapest gas in your area. 5. Meal prep. Take lunch and coffee to work and pack lunches for your family to reduce coffee shop orders and fast-food expenses. 6. Increase income. Consider taking part-time work or working in the gig economy doing deliveries, rideshares or freelance tasks to bring in more income for savings. 7. Reduce waste. Take steps to reduce energy waste, like turning lights off when not in use and switching to energy-efficient bulbs. Switching to reusable microfiber towels can also cut down on paper waste and costs. 8. Sell items. If you have extra bikes, furniture, decor, clothes, shoes or electronics, consider selling them to generate some cash for savings. ## The Final Word Building a sizable emergency fund or saving for a large purchase can feel daunting, but putting away small amounts incrementally can build over time. Focus on consistent progress. Once you find ways to reduce expenses, automate your savings deposits and watch savings grow. ## Frequently Asked Questions (FAQs) ### What are the easiest ways to save money? The easiest way to save money is to reduce nonessential spending and devote that cash to savings. Taking additional steps to create a budget, negotiating lower service rates with providers and finding opportunities for increased income can help you save even more. ### Is it better to save or pay off debt? Saving and repaying debt are both important, especially since accumulating savings can help you avoid having to borrow for future expenses. If building emergency savings is your focus, commit to making at least the minimum debt payments to avoid a credit score hit from nonpayment. Next, prioritizing the highest-interest debt first could save you money on interest charges. ### How to save money on food? Limit takeout ordering and create a shopping list before going to the grocery store to cut down on impulse spending. Consider buying in bulk, and comparison shop across many grocery retailers to see where you can get the best deals for items you need. Was this article helpful? Share your feedback Send feedback to the editorial team ![User Form](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/user-feedback-form/user-form-icon.svg) ![Success Icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/user-feedback-form/success-icon.svg) Thank You for your feedback\! ![Error Icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/user-feedback-form/error-icon.svg) Something went wrong. Please try again later. 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[Wells Fargo Savings Account Interest Rates](https://www.forbes.com/advisor/banking/savings/wells-fargo-savings-account-rates/ "Wells Fargo Savings Account Interest Rates") - [Bank Of America Savings Account Interest Rates](https://www.forbes.com/advisor/banking/savings/bank-of-america-savings-account-interest-rate/ "Bank Of America Savings Account Interest Rates") - [Synchrony Bank Savings Rate](https://www.forbes.com/advisor/banking/savings/synchrony-bank-savings-rate/ "Synchrony Bank Savings Rate") Recommended Reading - [What Is A Savings Account?](https://www.forbes.com/advisor/banking/savings/what-is-a-savings-account/ "What Is A Savings Account?") - [Types Of Savings Accounts](https://www.forbes.com/advisor/banking/savings/types-of-savings-accounts/ "Types Of Savings Accounts") - [Are High-Yield Savings Accounts Worth It?](https://www.forbes.com/advisor/banking/savings/are-high-yield-savings-accounts-worth-it/ "Are High-Yield Savings Accounts Worth It?") - [Savings Rates Forecast](https://www.forbes.com/advisor/banking/savings/savings-rates-forecast/ "Savings Rates Forecast") - 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Readable Markdown	Whether you want to save up for a major purchase or just create more flexibility in your budget, here are some simple tips on how to save money. ## 1\. Set a Savings Goal Goal setting is the best way to organize your savings efforts and stay on track. Making goals SMART—specific, measurable, achievable, relevant and time-bound—turns them into actionable plans rather than unrealized intentions. Decide how much you want to save and give yourself a deadline. For example, if you want to save \$1,000 for vacation, decide how many months you will save for, and break that goal down into manageable monthly goals. Saving \$1,000 can feel overwhelming, but when you divide that into \$200 savings deposits over five months, it can feel more achievable. ## 2\. Negotiate Bills and Cancel Subscriptions Fixed expenses are bills that cost the same each month, like insurance, phone bills, subscription services or car payments. In some cases, you can still lower these bills by negotiating better rates or downgrading your service. Plus, canceling subscriptions altogether could save you a nice sum per month. A 2022 survey from C+R Research found that consumers tend to underestimate how much they spend on subscriptions. Survey takers guessed they spent \$86 per month on average on subscriptions, but that number jumped to \$219 on average when they reviewed their actual itemized expenses. Run through your bank statements and circle all your recurring expenses to see what you can cut out. For necessities, shop around and negotiate rates with providers at least once a year. Below are some bills and subscriptions to consider negotiating or canceling: \| BILLS TO NEGOTIATE \| BILLS TO CONSIDER CANCELING \| \|---\|---\| \| Cellphone \| Video and music streaming services \| \| Internet \| Food delivery service memberships \| \| Cable \| Fitness memberships \| \| Insurance coverages \| Newspaper or magazine subscriptions \| \| \| Subscription boxes \| \| \| Premium apps \| \| \| Gaming subscriptions \| ## 3\. Reduce Variable Spending Variable expenses are expenses that can fluctuate every month, such as car repairs, groceries, gas, clothes or dining out. These expenses change based on spending habits and life events. Estimate how much you spend in each variable category by reviewing bank and credit card statements and averaging expenses over the last several months. Packing lunches for work, hosting potlucks instead of going out for dinner and shopping at discount grocery stores are ways to potentially reduce variable costs. Pro Tip Consider setting a “fun” budget or allowance for yourself, so you don’t get burnt out by cutting costs. Withdrawing your “fun” money budget in cash from an ATM could be one strategy to keep an eye on excess spending. ## 4\. Shop for a High-Yield Savings Account The [best place to put savings](https://www.forbes.com/advisor/banking/best-places-to-keep-your-emergency-fund/) for near-term goals is in an account that earns interest and is easily accessible, in case you need cash for an emergency. Interest earnings on savings can help increase your balance. High-yield savings accounts may offer annual percentage yields (APYs) of 3.00% or higher, while the national average is just 0.39%, according to March 2026 data from the Federal Deposit Insurance Corporation (FDIC). Over time, that interest adds up. Say you deposit \$500 into an account earning 5.00% APY, and you make \$200 in monthly contributions for two years straight. Here’s how much interest could stack up: \| DETAILS \| 2026 \| 2027 \| 2028 \| \|---\|---\|---\|---\| \| Principal \| \$500 \| \$2,900 \| \$5,300 \| \| Interest \| \- \| \$81 \| \$289 \| \| Total \| \$500 \| \$2,981 \| \$5,589 \| The [best high-yield savings accounts](https://www.forbes.com/advisor/banking/savings/best-high-yield-savings-accounts/) usually have [no monthly fees](https://www.forbes.com/advisor/banking/savings/best-no-fee-savings-accounts/), and many of them are provided by [online banks](https://www.forbes.com/advisor/banking/best-online-banks/). Use a [savings calculator](https://www.forbes.com/advisor/banking/savings/savings-calculator/) to estimate how much interest you may be able to earn. ## 5\. Automate Your Savings Once you’ve cut down expenses and found a [savings account](https://www.forbes.com/advisor/banking/places-to-save-money/) to sock away your cash, set up automatic savings transfers from your checking account to savings. Automation makes it possible for you to save without having to remember to make each deposit. This way, your money can grow with little effort. Lastly, if you receive extra cash from gifts, tax refunds, commissions or bonuses, devote all or a part of that money to savings. Large deposits are a shortcut that can supercharge your balance. ## Why Saving Money Is Important Building savings is key to weathering the storm if emergency expenses arise. With savings in the bank, you can limit credit usage when you need to cover big purchases or surprise bills. Experts recommend having at least \$1,000 in savings at first. But ideally, you want to build up to at least three to six months’ worth of expenses in [emergency savings](https://www.forbes.com/advisor/banking/emergency-fund-calculator/) in case you lose a job or experience a financial setback. The average monthly household expenditure is \$6,545, according to the Bureau of Labor Statistics. With this figure in mind, the average household should aim for close to \$20,000 (\$6,545 multiplied by three months) in emergency savings. Let’s face it—it may not be easy to save \$20,000 overnight or even in a year, and that’s OK. You can grow your savings balance over time by reducing expenses and making regular deposits. ## Tips for Saving Money Fast If you need to save aggressively, consider following these money saving tips: 1. Use a budgeting app. [Budgeting apps](https://www.forbes.com/advisor/banking/best-budgeting-apps/) can quickly sync to your financial accounts and categorize your expenses so you can create a budget, identify overspending and change money habits. 2. Try a money-saving app. [Money-saving apps](https://www.forbes.com/advisor/banking/savings/best-money-saving-apps/) can automate your savings contributions based on savings rules. For example, [Oportun](https://www.forbes.com/advisor/banking/digit-budgeting-app-review/) is an app that can scan your account balances to review your income and spending. Then it automatically saves small amounts you don’t need. 3. Cut out all unnecessary spending. Limit spending that’s not essential, such as takeout, entertainment, subscriptions, personal care and retail shopping. Operating on a bare-bones budget probably won’t be sustainable long term, but for a short time, it can increase the amount you’re able to save. 4. Find cheap gas. Use apps like GasBuddy and Waze to scope out the cheapest gas in your area. 5. Meal prep. Take lunch and coffee to work and pack lunches for your family to reduce coffee shop orders and fast-food expenses. 6. Increase income. Consider taking part-time work or working in the gig economy doing deliveries, rideshares or freelance tasks to bring in more income for savings. 7. Reduce waste. Take steps to reduce energy waste, like turning lights off when not in use and switching to energy-efficient bulbs. Switching to reusable microfiber towels can also cut down on paper waste and costs. 8. Sell items. If you have extra bikes, furniture, decor, clothes, shoes or electronics, consider selling them to generate some cash for savings. ## The Final Word Building a sizable emergency fund or saving for a large purchase can feel daunting, but putting away small amounts incrementally can build over time. Focus on consistent progress. Once you find ways to reduce expenses, automate your savings deposits and watch savings grow. ## Frequently Asked Questions (FAQs) The easiest way to save money is to reduce nonessential spending and devote that cash to savings. Taking additional steps to create a budget, negotiating lower service rates with providers and finding opportunities for increased income can help you save even more. Saving and repaying debt are both important, especially since accumulating savings can help you avoid having to borrow for future expenses. If building emergency savings is your focus, commit to making at least the minimum debt payments to avoid a credit score hit from nonpayment. Next, prioritizing the highest-interest debt first could save you money on interest charges. Limit takeout ordering and create a shopping list before going to the grocery store to cut down on impulse spending. Consider buying in bulk, and comparison shop across many grocery retailers to see where you can get the best deals for items you need.
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