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Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 156 (from laksa056)

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/sites/enochomololu/2024/06/14/15-money-saving-tips-that-actually-work/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.forbes.com/sites/enochomololu/2024/06/14/15-money-saving-tips-that-actually-work/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.forbes.com\/sites\/enochomololu\/2024\/06\/14\/15-money-saving-tips-that-actually-work\/","crawl_time":1776315644,"first_indexed_time":1718418940,"http_code":200,"src_unparsed":"com,forbes!www,\/sites\/enochomololu\/2024\/06\/14\/15-money-saving-tips-that-actually-work\/ s443","src_root_hash":"7074450602188365556","history_drop_reason":null,"meta_title":"15 Money-Saving Tips That Actually Work","meta_descriptions":["Saving money in today’s economy might sound like a steep challenge, but with the right tips, it is achievable."],"attrs_boilerpipe_text":"Saving money in today’s economy might sound like a steep challenge, but with the right tips, it is achievable.\ngetty\nSaving money in today’s economy might sound like a steep challenge. But with the right tips, it is achievable.\nWhether you need help diversifying your income, lowering your expenses or increasing your savings, there are actionable ways to achieve your financial goals.\nClever And Realistic Ways To Save Money\nThis article covers 15 money-saving tips that won’t disappoint you.\n1. Track Your Expenses\nThe first step to saving more money is to know your spending habits. Track every dollar you spend throughout the month and categorize it based on the type of expense.\nOnce you know how much you spend in each category, it’ll be easy to identify areas for improvement.\n2. Create A Budget\nIt’s tough to avoid overspending without a\nproper budget\nin place. Hence, you must start budgeting your income to avoid overspending and increase your savings.\nMORE FROM\nFORBES ADVISOR\nA common budgeting rule is the 50-30-20 rule, where you allocate half of your income to needs, 30% to wants and 20% to your savings. However, you can start with a lower savings rate or establish a specific amount as your savings goal.\n3. Cut Out Unnecessary Spending\nAvoid wasting money on products or services that don’t provide any or much value to your day-to-day life.\nFor example, if you’re subscribed to an unnecessarily expensive cellphone plan or frequently dine out, consider exploring cheaper alternatives to allocate more funds to the things that truly matter.\n4. Set Goals For Yourself\nFinding motivation or tracking your progress through your money-saving journey can be tricky without specifying your goals. That’s why it’s crucial to know your short- and long-term financial goals.\nWhen setting goals, I highly recommend using the SMART model, as it’s a straightforward template for structuring objectives.\n5. Set Up An Automatic Savings Account\nTo ensure you always remember to set aside money for your savings, automate transferring funds to your savings account. Most major banking institutions already offer automatic direct deposits. So, you shouldn’t have trouble setting one up.\n6. Cancel Unnecessary Subscriptions\nMake it a habit to regularly check your subscriptions and cancel the ones you haven’t used for the past few months. Canceling unused subscriptions can save you money without much sacrifice, and if you ever want to subscribe to the same service again, you can always easily do so in minutes.\n7. Pay Off Your Debt As Soon As Possible\nThe longer you take to pay off your debt, the more money you will put in the banks’ pockets instead of your savings. Consider using debt payoff strategies such as the Avalanche or Snowball method to be debt-free as soon as possible.\n8. Save Any Unexpected Income\nYour budget, which typically only uses your regular income, should already be enough to cover your needs and wants. So, whenever you come into unexpected income, such as cash gifts from friends or supplementary earnings from side hustles, consider allocating it toward strengthening your savings.\n9. Buy Generic Brands\nMore often than not, generic items at grocery stores are just as good as those from well-known brands. With adequate research, you can find no-brand items that are just as healthy and tasty as your go-to, name-brand products but at a significantly lower price.\n10. Pack Your Lunch\nEating lunch out may be convenient, but it’s far from an economical choice. So, pack your lunch as much as possible to reduce your food expenses further. If pressed for time, meal prepping allows you to prepare multiple lunches in a single session.\n11. Sell Anything You Don’t Need\nSell things you no longer need to declutter your home and earn extra cash. You can host garage sales or list your pre-owned stuff online on platforms like Facebook Marketplace or eBay.\n12. Use Cash-Back Apps\nCash-back applications can help you save money, and many integrate automatically with your debit or credit cards. So, you can benefit from their monetary rewards just by setting up the application once.\n13. Avoid Impulse Purchases\nOne of the biggest financial mistakes you can make is spending money on things or services you don’t want or need. Before deciding to purchase something, it’s an excellent habit to wait a few days first.\nTake this cool-down period to research the product and carefully consider whether it is worth spending money on.\n14. Reduce Your Household Bills\nHousehold bills are unavoidable, but you can lower your monthly outlay like many other expenses.\nConsider looking for cheaper alternatives for recurring bills, such as your internet or cable subscription. Those that are charged based on consumption, on the other hand, should proactively be used as little as possible.\n15. Use The Cash Envelope Budgeting System\nThe\ncash envelope budgeting system\nis one of the best ways to avoid overspending and save more money. It physically limits how much money you can spend on specific spending categories.\nThe traditional approach of this budgeting method requires you to use physical cash and envelopes, but many applications, including YNAB, now allow you to mimic this system digitally.","attrs_markdown":"[Sign Up For Newsletters](https:\/\/account.forbes.com\/newsletters\/)[Games](https:\/\/www.forbes.com\/games)[Share a News Tip](https:\/\/www.forbes.com\/sites\/forbesstaff\/article\/tips-and-confidential-sources\/)\n\n- Featured\n  Featured\n  \n  - [Breaking News](https:\/\/www.forbes.com\/news\/)\n  - [White House Watch](https:\/\/www.forbes.com\/trump\/)\n  - [Daily Cover Stories](https:\/\/www.forbes.com\/daily-cover-stories\/)\n  - [The Enterprise AI Shortcut: Why Co-Innovation Is Setting A New Speed For Adopting and Operationalizing AI \\| Paid Program](https:\/\/www.forbes.com\/sites\/amazonwebservices\/2026\/04\/03\/the-enterprise-ai-shortcut-why-co-innovation-is-setting-a-new-speed-for-adopting-and-operationalizing-ai\/)\n  - 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Forbes Staff will review your concern shortly.>)\n- [Privacy Statement](https:\/\/www.forbes.com\/fdc\/privacy.html)\n- [Your Privacy Choices](https:\/\/www.forbes.com\/consent\/editprivacy\/?consent_do_not_sell=true)\n- [Cookie Preferences](https:\/\/www.forbes.com\/sites\/enochomololu\/2024\/06\/14\/15-money-saving-tips-that-actually-work\/)\n- [Terms of Service](https:\/\/www.forbes.com\/terms\/)\n- [AdChoices](https:\/\/youradchoices.com\/control)\n- [Reprints & Permissions](https:\/\/www.parsintl.com\/publication\/forbes\/)\n\n[Money](https:\/\/www.forbes.com\/money\/)\n\n[Personal Finance](https:\/\/www.forbes.com\/personal-finance\/)\n# 15 Money-Saving Tips That Actually Work\nBy[Enoch Omololu](https:\/\/www.forbes.com\/sites\/enochomololu\/ \"https:\/\/www.forbes.com\/sites\/enochomololu\/\"),\n\nFormer Contributor.\n\nForbes contributors publish independent expert analyses and insights.\n\nEnoch Omololu writes about personal finances for millennials.\n\nJun 14, 2024, 05:05pm EDT\n\nDec 17, 2024, 01:41pm EST\n\n![Currency.](https:\/\/imageio.forbes.com\/specials-images\/imageserve\/666cb03712104157aa3fc916\/Currency-\/0x0.jpg?width=960)\n\nSaving money in today’s economy might sound like a steep challenge, but with the right tips, it is achievable.\n\ngetty\n\nSaving money in today’s economy might sound like a steep challenge. But with the right tips, it is achievable.\n\nWhether you need help diversifying your income, lowering your expenses or increasing your savings, there are actionable ways to achieve your financial goals.\n\n## Clever And Realistic Ways To Save Money\nThis article covers 15 money-saving tips that won’t disappoint you.\n\n### 1\\. Track Your Expenses\nThe first step to saving more money is to know your spending habits. Track every dollar you spend throughout the month and categorize it based on the type of expense.\n\nOnce you know how much you spend in each category, it’ll be easy to identify areas for improvement.\n\n### 2\\. Create A Budget\nIt’s tough to avoid overspending without a [proper budget](https:\/\/www.forbes.com\/sites\/enochomololu\/2023\/09\/03\/7-money-saving-hacks-for-college-students-budgeting-tips-and-tricks\/ \"https:\/\/www.forbes.com\/sites\/enochomololu\/2023\/09\/03\/7-money-saving-hacks-for-college-students-budgeting-tips-and-tricks\/\") in place. Hence, you must start budgeting your income to avoid overspending and increase your savings.\n\nMORE FROM FORBES ADVISOR\n\n### [Best High-Yield Savings Accounts Of 2024](https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-high-yield-savings-accounts\/?utm_source=forbes&utm_medium=recirc&utm_campaign=tiger-sept23 \"Best High-Yield Savings Accounts Of 2024\")\nBy [Kevin Payne](https:\/\/www.forbes.com\/advisor\/author\/kevin-payne\/) Contributor\n\n[![Graphic Best High-Yield Savings Accounts Of 2024](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/1290x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2020\/12\/getty_1-best-online-savings-thumbnail_101920pm.jpg)](https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-high-yield-savings-accounts\/?utm_source=forbes&utm_medium=recirc&utm_campaign=tiger-sept23)\n\n### [Best 5% Interest Savings Accounts of 2024](https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-5-percent-interest-savings-accounts\/?utm_source=forbes&utm_medium=recirc&utm_campaign=tiger-sept23 \"Best 5% Interest Savings Accounts of 2024\")\nBy [Cassidy Horton](https:\/\/www.forbes.com\/advisor\/author\/cassidy-horton) Contributor\n\n[![Graphic Best 5% Interest Savings Accounts of 2024](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/900x510\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2023\/09\/Saving-Rates-2.jpg)](https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-5-percent-interest-savings-accounts\/?utm_source=forbes&utm_medium=recirc&utm_campaign=tiger-sept23)\n\nA common budgeting rule is the 50-30-20 rule, where you allocate half of your income to needs, 30% to wants and 20% to your savings. However, you can start with a lower savings rate or establish a specific amount as your savings goal.\n\n### 3\\. Cut Out Unnecessary Spending\nAvoid wasting money on products or services that don’t provide any or much value to your day-to-day life.\n\nFor example, if you’re subscribed to an unnecessarily expensive cellphone plan or frequently dine out, consider exploring cheaper alternatives to allocate more funds to the things that truly matter.\n\n### 4\\. Set Goals For Yourself\nFinding motivation or tracking your progress through your money-saving journey can be tricky without specifying your goals. That’s why it’s crucial to know your short- and long-term financial goals.\n\nWhen setting goals, I highly recommend using the SMART model, as it’s a straightforward template for structuring objectives.\n\n### 5\\. Set Up An Automatic Savings Account\nTo ensure you always remember to set aside money for your savings, automate transferring funds to your savings account. Most major banking institutions already offer automatic direct deposits. So, you shouldn’t have trouble setting one up.\n\n### 6\\. Cancel Unnecessary Subscriptions\nMake it a habit to regularly check your subscriptions and cancel the ones you haven’t used for the past few months. Canceling unused subscriptions can save you money without much sacrifice, and if you ever want to subscribe to the same service again, you can always easily do so in minutes.\n\n### 7\\. Pay Off Your Debt As Soon As Possible\nThe longer you take to pay off your debt, the more money you will put in the banks’ pockets instead of your savings. Consider using debt payoff strategies such as the Avalanche or Snowball method to be debt-free as soon as possible.\n\n### 8\\. Save Any Unexpected Income\nYour budget, which typically only uses your regular income, should already be enough to cover your needs and wants. So, whenever you come into unexpected income, such as cash gifts from friends or supplementary earnings from side hustles, consider allocating it toward strengthening your savings.\n\n### 9\\. Buy Generic Brands\nMore often than not, generic items at grocery stores are just as good as those from well-known brands. With adequate research, you can find no-brand items that are just as healthy and tasty as your go-to, name-brand products but at a significantly lower price.\n\n### 10\\. Pack Your Lunch\nEating lunch out may be convenient, but it’s far from an economical choice. So, pack your lunch as much as possible to reduce your food expenses further. If pressed for time, meal prepping allows you to prepare multiple lunches in a single session.\n\n### 11\\. Sell Anything You Don’t Need\nSell things you no longer need to declutter your home and earn extra cash. You can host garage sales or list your pre-owned stuff online on platforms like Facebook Marketplace or eBay.\n\n### 12\\. Use Cash-Back Apps\nCash-back applications can help you save money, and many integrate automatically with your debit or credit cards. So, you can benefit from their monetary rewards just by setting up the application once.\n\n### 13\\. Avoid Impulse Purchases\nOne of the biggest financial mistakes you can make is spending money on things or services you don’t want or need. Before deciding to purchase something, it’s an excellent habit to wait a few days first.\n\nTake this cool-down period to research the product and carefully consider whether it is worth spending money on.\n\n### 14\\. Reduce Your Household Bills\nHousehold bills are unavoidable, but you can lower your monthly outlay like many other expenses.\n\nConsider looking for cheaper alternatives for recurring bills, such as your internet or cable subscription. Those that are charged based on consumption, on the other hand, should proactively be used as little as possible.\n\n### 15\\. Use The Cash Envelope Budgeting System\nThe [cash envelope budgeting system](https:\/\/www.forbes.com\/sites\/truetamplin\/2024\/03\/12\/5-common-budgeting-methods-that-can-build-financial-security\/ \"https:\/\/www.forbes.com\/sites\/truetamplin\/2024\/03\/12\/5-common-budgeting-methods-that-can-build-financial-security\/\") is one of the best ways to avoid overspending and save more money. It physically limits how much money you can spend on specific spending categories.\n\nThe traditional approach of this budgeting method requires you to use physical cash and envelopes, but many applications, including YNAB, now allow you to mimic this system digitally.\n\n[Editorial Standards](https:\/\/www.forbes.com\/sites\/forbesstaff\/article\/forbes-editorial-values-and-standards\/)[Reprints & Permissions](https:\/\/www.parsintl.com\/publications\/forbes\/)\n\nLOADING VIDEO PLAYER...\n\nFORBES’ FEATURED Video\n\n© 2026 Forbes Media LLC. All Rights Reserved.\n\n- [AdChoices](https:\/\/youradchoices.com\/control)\n- [Privacy Statement](https:\/\/www.forbes.com\/fdc\/privacy.html)\n- [Your Privacy Choices](https:\/\/www.forbes.com\/sites\/enochomololu\/2024\/06\/14\/15-money-saving-tips-that-actually-work\/)\n- [Cookie Preferences](https:\/\/www.forbes.com\/sites\/enochomololu\/2024\/06\/14\/15-money-saving-tips-that-actually-work\/)\n- [Digital Terms of Sale](https:\/\/www.forbes.com\/digital-terms-of-sale)\n- [Terms of Service](https:\/\/www.forbes.com\/terms\/)\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\/)","attrs_readable_markdown":"![Currency.](https:\/\/imageio.forbes.com\/specials-images\/imageserve\/666cb03712104157aa3fc916\/Currency-\/0x0.jpg?width=960)\n\nSaving money in today’s economy might sound like a steep challenge, but with the right tips, it is achievable.\n\ngetty\n\nSaving money in today’s economy might sound like a steep challenge. But with the right tips, it is achievable.\n\nWhether you need help diversifying your income, lowering your expenses or increasing your savings, there are actionable ways to achieve your financial goals.\n\n## Clever And Realistic Ways To Save Money\nThis article covers 15 money-saving tips that won’t disappoint you.\n\n### 1\\. Track Your Expenses\nThe first step to saving more money is to know your spending habits. Track every dollar you spend throughout the month and categorize it based on the type of expense.\n\nOnce you know how much you spend in each category, it’ll be easy to identify areas for improvement.\n\n### 2\\. Create A Budget\nIt’s tough to avoid overspending without a [proper budget](https:\/\/www.forbes.com\/sites\/enochomololu\/2023\/09\/03\/7-money-saving-hacks-for-college-students-budgeting-tips-and-tricks\/ \"https:\/\/www.forbes.com\/sites\/enochomololu\/2023\/09\/03\/7-money-saving-hacks-for-college-students-budgeting-tips-and-tricks\/\") in place. Hence, you must start budgeting your income to avoid overspending and increase your savings.\n\nMORE FROM FORBES ADVISOR\n\n[![Graphic Best High-Yield Savings Accounts Of 2024](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/1290x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2020\/12\/getty_1-best-online-savings-thumbnail_101920pm.jpg)](https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-high-yield-savings-accounts\/?utm_source=forbes&utm_medium=recirc&utm_campaign=tiger-sept23)\n\n[![Graphic Best 5% Interest Savings Accounts of 2024](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/900x510\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2023\/09\/Saving-Rates-2.jpg)](https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-5-percent-interest-savings-accounts\/?utm_source=forbes&utm_medium=recirc&utm_campaign=tiger-sept23)\n\nA common budgeting rule is the 50-30-20 rule, where you allocate half of your income to needs, 30% to wants and 20% to your savings. However, you can start with a lower savings rate or establish a specific amount as your savings goal.\n\n### 3\\. Cut Out Unnecessary Spending\nAvoid wasting money on products or services that don’t provide any or much value to your day-to-day life.\n\nFor example, if you’re subscribed to an unnecessarily expensive cellphone plan or frequently dine out, consider exploring cheaper alternatives to allocate more funds to the things that truly matter.\n\n### 4\\. Set Goals For Yourself\nFinding motivation or tracking your progress through your money-saving journey can be tricky without specifying your goals. That’s why it’s crucial to know your short- and long-term financial goals.\n\nWhen setting goals, I highly recommend using the SMART model, as it’s a straightforward template for structuring objectives.\n\n### 5\\. Set Up An Automatic Savings Account\nTo ensure you always remember to set aside money for your savings, automate transferring funds to your savings account. Most major banking institutions already offer automatic direct deposits. So, you shouldn’t have trouble setting one up.\n\n### 6\\. Cancel Unnecessary Subscriptions\nMake it a habit to regularly check your subscriptions and cancel the ones you haven’t used for the past few months. Canceling unused subscriptions can save you money without much sacrifice, and if you ever want to subscribe to the same service again, you can always easily do so in minutes.\n\n### 7\\. Pay Off Your Debt As Soon As Possible\nThe longer you take to pay off your debt, the more money you will put in the banks’ pockets instead of your savings. Consider using debt payoff strategies such as the Avalanche or Snowball method to be debt-free as soon as possible.\n\n### 8\\. Save Any Unexpected Income\nYour budget, which typically only uses your regular income, should already be enough to cover your needs and wants. So, whenever you come into unexpected income, such as cash gifts from friends or supplementary earnings from side hustles, consider allocating it toward strengthening your savings.\n\n### 9\\. Buy Generic Brands\nMore often than not, generic items at grocery stores are just as good as those from well-known brands. With adequate research, you can find no-brand items that are just as healthy and tasty as your go-to, name-brand products but at a significantly lower price.\n\n### 10\\. Pack Your Lunch\nEating lunch out may be convenient, but it’s far from an economical choice. So, pack your lunch as much as possible to reduce your food expenses further. If pressed for time, meal prepping allows you to prepare multiple lunches in a single session.\n\n### 11\\. Sell Anything You Don’t Need\nSell things you no longer need to declutter your home and earn extra cash. You can host garage sales or list your pre-owned stuff online on platforms like Facebook Marketplace or eBay.\n\n### 12\\. Use Cash-Back Apps\nCash-back applications can help you save money, and many integrate automatically with your debit or credit cards. So, you can benefit from their monetary rewards just by setting up the application once.\n\n### 13\\. Avoid Impulse Purchases\nOne of the biggest financial mistakes you can make is spending money on things or services you don’t want or need. Before deciding to purchase something, it’s an excellent habit to wait a few days first.\n\nTake this cool-down period to research the product and carefully consider whether it is worth spending money on.\n\n### 14\\. Reduce Your Household Bills\nHousehold bills are unavoidable, but you can lower your monthly outlay like many other expenses.\n\nConsider looking for cheaper alternatives for recurring bills, such as your internet or cable subscription. Those that are charged based on consumption, on the other hand, should proactively be used as little as possible.\n\n### 15\\. Use The Cash Envelope Budgeting System\nThe [cash envelope budgeting system](https:\/\/www.forbes.com\/sites\/truetamplin\/2024\/03\/12\/5-common-budgeting-methods-that-can-build-financial-security\/ \"https:\/\/www.forbes.com\/sites\/truetamplin\/2024\/03\/12\/5-common-budgeting-methods-that-can-build-financial-security\/\") is one of the best ways to avoid overspending and save more money. It physically limits how much money you can spend on specific spending categories.\n\nThe traditional approach of this budgeting method requires you to use physical cash and envelopes, but many applications, including YNAB, now allow you to mimic this system digitally.","meta_canonical":null}

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Boilerpipe Text	Saving money in today’s economy might sound like a steep challenge, but with the right tips, it is achievable. getty Saving money in today’s economy might sound like a steep challenge. But with the right tips, it is achievable. Whether you need help diversifying your income, lowering your expenses or increasing your savings, there are actionable ways to achieve your financial goals. Clever And Realistic Ways To Save Money This article covers 15 money-saving tips that won’t disappoint you. 1. Track Your Expenses The first step to saving more money is to know your spending habits. Track every dollar you spend throughout the month and categorize it based on the type of expense. Once you know how much you spend in each category, it’ll be easy to identify areas for improvement. 2. Create A Budget It’s tough to avoid overspending without a proper budget in place. Hence, you must start budgeting your income to avoid overspending and increase your savings. MORE FROM FORBES ADVISOR A common budgeting rule is the 50-30-20 rule, where you allocate half of your income to needs, 30% to wants and 20% to your savings. However, you can start with a lower savings rate or establish a specific amount as your savings goal. 3. Cut Out Unnecessary Spending Avoid wasting money on products or services that don’t provide any or much value to your day-to-day life. For example, if you’re subscribed to an unnecessarily expensive cellphone plan or frequently dine out, consider exploring cheaper alternatives to allocate more funds to the things that truly matter. 4. Set Goals For Yourself Finding motivation or tracking your progress through your money-saving journey can be tricky without specifying your goals. That’s why it’s crucial to know your short- and long-term financial goals. When setting goals, I highly recommend using the SMART model, as it’s a straightforward template for structuring objectives. 5. Set Up An Automatic Savings Account To ensure you always remember to set aside money for your savings, automate transferring funds to your savings account. Most major banking institutions already offer automatic direct deposits. So, you shouldn’t have trouble setting one up. 6. Cancel Unnecessary Subscriptions Make it a habit to regularly check your subscriptions and cancel the ones you haven’t used for the past few months. Canceling unused subscriptions can save you money without much sacrifice, and if you ever want to subscribe to the same service again, you can always easily do so in minutes. 7. Pay Off Your Debt As Soon As Possible The longer you take to pay off your debt, the more money you will put in the banks’ pockets instead of your savings. Consider using debt payoff strategies such as the Avalanche or Snowball method to be debt-free as soon as possible. 8. Save Any Unexpected Income Your budget, which typically only uses your regular income, should already be enough to cover your needs and wants. So, whenever you come into unexpected income, such as cash gifts from friends or supplementary earnings from side hustles, consider allocating it toward strengthening your savings. 9. Buy Generic Brands More often than not, generic items at grocery stores are just as good as those from well-known brands. With adequate research, you can find no-brand items that are just as healthy and tasty as your go-to, name-brand products but at a significantly lower price. 10. Pack Your Lunch Eating lunch out may be convenient, but it’s far from an economical choice. So, pack your lunch as much as possible to reduce your food expenses further. If pressed for time, meal prepping allows you to prepare multiple lunches in a single session. 11. Sell Anything You Don’t Need Sell things you no longer need to declutter your home and earn extra cash. You can host garage sales or list your pre-owned stuff online on platforms like Facebook Marketplace or eBay. 12. Use Cash-Back Apps Cash-back applications can help you save money, and many integrate automatically with your debit or credit cards. So, you can benefit from their monetary rewards just by setting up the application once. 13. Avoid Impulse Purchases One of the biggest financial mistakes you can make is spending money on things or services you don’t want or need. Before deciding to purchase something, it’s an excellent habit to wait a few days first. Take this cool-down period to research the product and carefully consider whether it is worth spending money on. 14. Reduce Your Household Bills Household bills are unavoidable, but you can lower your monthly outlay like many other expenses. Consider looking for cheaper alternatives for recurring bills, such as your internet or cable subscription. Those that are charged based on consumption, on the other hand, should proactively be used as little as possible. 15. Use The Cash Envelope Budgeting System The cash envelope budgeting system is one of the best ways to avoid overspending and save more money. It physically limits how much money you can spend on specific spending categories. The traditional approach of this budgeting method requires you to use physical cash and envelopes, but many applications, including YNAB, now allow you to mimic this system digitally.
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Forbes Staff will review your concern shortly.>) - [Privacy Statement](https://www.forbes.com/fdc/privacy.html) - [Your Privacy Choices](https://www.forbes.com/consent/editprivacy/?consent_do_not_sell=true) - [Cookie Preferences](https://www.forbes.com/sites/enochomololu/2024/06/14/15-money-saving-tips-that-actually-work/) - [Terms of Service](https://www.forbes.com/terms/) - [AdChoices](https://youradchoices.com/control) - [Reprints & Permissions](https://www.parsintl.com/publication/forbes/) [Money](https://www.forbes.com/money/) [Personal Finance](https://www.forbes.com/personal-finance/) # 15 Money-Saving Tips That Actually Work By[Enoch Omololu](https://www.forbes.com/sites/enochomololu/ "https://www.forbes.com/sites/enochomololu/"), Former Contributor. Forbes contributors publish independent expert analyses and insights. Enoch Omololu writes about personal finances for millennials. Jun 14, 2024, 05:05pm EDT Dec 17, 2024, 01:41pm EST ![Currency.](https://imageio.forbes.com/specials-images/imageserve/666cb03712104157aa3fc916/Currency-/0x0.jpg?width=960) Saving money in today’s economy might sound like a steep challenge, but with the right tips, it is achievable. getty Saving money in today’s economy might sound like a steep challenge. But with the right tips, it is achievable. Whether you need help diversifying your income, lowering your expenses or increasing your savings, there are actionable ways to achieve your financial goals. ## Clever And Realistic Ways To Save Money This article covers 15 money-saving tips that won’t disappoint you. ### 1\. Track Your Expenses The first step to saving more money is to know your spending habits. Track every dollar you spend throughout the month and categorize it based on the type of expense. Once you know how much you spend in each category, it’ll be easy to identify areas for improvement. ### 2\. Create A Budget It’s tough to avoid overspending without a [proper budget](https://www.forbes.com/sites/enochomololu/2023/09/03/7-money-saving-hacks-for-college-students-budgeting-tips-and-tricks/ "https://www.forbes.com/sites/enochomololu/2023/09/03/7-money-saving-hacks-for-college-students-budgeting-tips-and-tricks/") in place. Hence, you must start budgeting your income to avoid overspending and increase your savings. MORE FROM FORBES ADVISOR ### [Best High-Yield Savings Accounts Of 2024](https://www.forbes.com/advisor/banking/savings/best-high-yield-savings-accounts/?utm_source=forbes&utm_medium=recirc&utm_campaign=tiger-sept23 "Best High-Yield Savings Accounts Of 2024") By [Kevin Payne](https://www.forbes.com/advisor/author/kevin-payne/) Contributor [![Graphic Best High-Yield Savings Accounts Of 2024](https://thumbor.forbes.com/thumbor/fit-in/1290x/https://www.forbes.com/advisor/wp-content/uploads/2020/12/getty_1-best-online-savings-thumbnail_101920pm.jpg)](https://www.forbes.com/advisor/banking/savings/best-high-yield-savings-accounts/?utm_source=forbes&utm_medium=recirc&utm_campaign=tiger-sept23) ### [Best 5% Interest Savings Accounts of 2024](https://www.forbes.com/advisor/banking/savings/best-5-percent-interest-savings-accounts/?utm_source=forbes&utm_medium=recirc&utm_campaign=tiger-sept23 "Best 5% Interest Savings Accounts of 2024") By [Cassidy Horton](https://www.forbes.com/advisor/author/cassidy-horton) Contributor [![Graphic Best 5% Interest Savings Accounts of 2024](https://thumbor.forbes.com/thumbor/fit-in/900x510/https://www.forbes.com/advisor/wp-content/uploads/2023/09/Saving-Rates-2.jpg)](https://www.forbes.com/advisor/banking/savings/best-5-percent-interest-savings-accounts/?utm_source=forbes&utm_medium=recirc&utm_campaign=tiger-sept23) A common budgeting rule is the 50-30-20 rule, where you allocate half of your income to needs, 30% to wants and 20% to your savings. However, you can start with a lower savings rate or establish a specific amount as your savings goal. ### 3\. Cut Out Unnecessary Spending Avoid wasting money on products or services that don’t provide any or much value to your day-to-day life. For example, if you’re subscribed to an unnecessarily expensive cellphone plan or frequently dine out, consider exploring cheaper alternatives to allocate more funds to the things that truly matter. ### 4\. Set Goals For Yourself Finding motivation or tracking your progress through your money-saving journey can be tricky without specifying your goals. That’s why it’s crucial to know your short- and long-term financial goals. When setting goals, I highly recommend using the SMART model, as it’s a straightforward template for structuring objectives. ### 5\. Set Up An Automatic Savings Account To ensure you always remember to set aside money for your savings, automate transferring funds to your savings account. Most major banking institutions already offer automatic direct deposits. So, you shouldn’t have trouble setting one up. ### 6\. Cancel Unnecessary Subscriptions Make it a habit to regularly check your subscriptions and cancel the ones you haven’t used for the past few months. Canceling unused subscriptions can save you money without much sacrifice, and if you ever want to subscribe to the same service again, you can always easily do so in minutes. ### 7\. Pay Off Your Debt As Soon As Possible The longer you take to pay off your debt, the more money you will put in the banks’ pockets instead of your savings. Consider using debt payoff strategies such as the Avalanche or Snowball method to be debt-free as soon as possible. ### 8\. Save Any Unexpected Income Your budget, which typically only uses your regular income, should already be enough to cover your needs and wants. So, whenever you come into unexpected income, such as cash gifts from friends or supplementary earnings from side hustles, consider allocating it toward strengthening your savings. ### 9\. Buy Generic Brands More often than not, generic items at grocery stores are just as good as those from well-known brands. With adequate research, you can find no-brand items that are just as healthy and tasty as your go-to, name-brand products but at a significantly lower price. ### 10\. Pack Your Lunch Eating lunch out may be convenient, but it’s far from an economical choice. So, pack your lunch as much as possible to reduce your food expenses further. If pressed for time, meal prepping allows you to prepare multiple lunches in a single session. ### 11\. Sell Anything You Don’t Need Sell things you no longer need to declutter your home and earn extra cash. You can host garage sales or list your pre-owned stuff online on platforms like Facebook Marketplace or eBay. ### 12\. Use Cash-Back Apps Cash-back applications can help you save money, and many integrate automatically with your debit or credit cards. So, you can benefit from their monetary rewards just by setting up the application once. ### 13\. Avoid Impulse Purchases One of the biggest financial mistakes you can make is spending money on things or services you don’t want or need. Before deciding to purchase something, it’s an excellent habit to wait a few days first. Take this cool-down period to research the product and carefully consider whether it is worth spending money on. ### 14\. Reduce Your Household Bills Household bills are unavoidable, but you can lower your monthly outlay like many other expenses. Consider looking for cheaper alternatives for recurring bills, such as your internet or cable subscription. Those that are charged based on consumption, on the other hand, should proactively be used as little as possible. ### 15\. Use The Cash Envelope Budgeting System The [cash envelope budgeting system](https://www.forbes.com/sites/truetamplin/2024/03/12/5-common-budgeting-methods-that-can-build-financial-security/ "https://www.forbes.com/sites/truetamplin/2024/03/12/5-common-budgeting-methods-that-can-build-financial-security/") is one of the best ways to avoid overspending and save more money. It physically limits how much money you can spend on specific spending categories. The traditional approach of this budgeting method requires you to use physical cash and envelopes, but many applications, including YNAB, now allow you to mimic this system digitally. [Editorial Standards](https://www.forbes.com/sites/forbesstaff/article/forbes-editorial-values-and-standards/)[Reprints & Permissions](https://www.parsintl.com/publications/forbes/) LOADING VIDEO PLAYER... FORBES’ FEATURED Video © 2026 Forbes Media LLC. 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Readable Markdown	![Currency.](https://imageio.forbes.com/specials-images/imageserve/666cb03712104157aa3fc916/Currency-/0x0.jpg?width=960) Saving money in today’s economy might sound like a steep challenge, but with the right tips, it is achievable. getty Saving money in today’s economy might sound like a steep challenge. But with the right tips, it is achievable. Whether you need help diversifying your income, lowering your expenses or increasing your savings, there are actionable ways to achieve your financial goals. ## Clever And Realistic Ways To Save Money This article covers 15 money-saving tips that won’t disappoint you. ### 1\. Track Your Expenses The first step to saving more money is to know your spending habits. Track every dollar you spend throughout the month and categorize it based on the type of expense. Once you know how much you spend in each category, it’ll be easy to identify areas for improvement. ### 2\. Create A Budget It’s tough to avoid overspending without a [proper budget](https://www.forbes.com/sites/enochomololu/2023/09/03/7-money-saving-hacks-for-college-students-budgeting-tips-and-tricks/ "https://www.forbes.com/sites/enochomololu/2023/09/03/7-money-saving-hacks-for-college-students-budgeting-tips-and-tricks/") in place. Hence, you must start budgeting your income to avoid overspending and increase your savings. MORE FROM FORBES ADVISOR [![Graphic Best High-Yield Savings Accounts Of 2024](https://thumbor.forbes.com/thumbor/fit-in/1290x/https://www.forbes.com/advisor/wp-content/uploads/2020/12/getty_1-best-online-savings-thumbnail_101920pm.jpg)](https://www.forbes.com/advisor/banking/savings/best-high-yield-savings-accounts/?utm_source=forbes&utm_medium=recirc&utm_campaign=tiger-sept23) [![Graphic Best 5% Interest Savings Accounts of 2024](https://thumbor.forbes.com/thumbor/fit-in/900x510/https://www.forbes.com/advisor/wp-content/uploads/2023/09/Saving-Rates-2.jpg)](https://www.forbes.com/advisor/banking/savings/best-5-percent-interest-savings-accounts/?utm_source=forbes&utm_medium=recirc&utm_campaign=tiger-sept23) A common budgeting rule is the 50-30-20 rule, where you allocate half of your income to needs, 30% to wants and 20% to your savings. However, you can start with a lower savings rate or establish a specific amount as your savings goal. ### 3\. Cut Out Unnecessary Spending Avoid wasting money on products or services that don’t provide any or much value to your day-to-day life. For example, if you’re subscribed to an unnecessarily expensive cellphone plan or frequently dine out, consider exploring cheaper alternatives to allocate more funds to the things that truly matter. ### 4\. Set Goals For Yourself Finding motivation or tracking your progress through your money-saving journey can be tricky without specifying your goals. That’s why it’s crucial to know your short- and long-term financial goals. When setting goals, I highly recommend using the SMART model, as it’s a straightforward template for structuring objectives. ### 5\. Set Up An Automatic Savings Account To ensure you always remember to set aside money for your savings, automate transferring funds to your savings account. Most major banking institutions already offer automatic direct deposits. So, you shouldn’t have trouble setting one up. ### 6\. Cancel Unnecessary Subscriptions Make it a habit to regularly check your subscriptions and cancel the ones you haven’t used for the past few months. Canceling unused subscriptions can save you money without much sacrifice, and if you ever want to subscribe to the same service again, you can always easily do so in minutes. ### 7\. Pay Off Your Debt As Soon As Possible The longer you take to pay off your debt, the more money you will put in the banks’ pockets instead of your savings. Consider using debt payoff strategies such as the Avalanche or Snowball method to be debt-free as soon as possible. ### 8\. Save Any Unexpected Income Your budget, which typically only uses your regular income, should already be enough to cover your needs and wants. So, whenever you come into unexpected income, such as cash gifts from friends or supplementary earnings from side hustles, consider allocating it toward strengthening your savings. ### 9\. Buy Generic Brands More often than not, generic items at grocery stores are just as good as those from well-known brands. With adequate research, you can find no-brand items that are just as healthy and tasty as your go-to, name-brand products but at a significantly lower price. ### 10\. Pack Your Lunch Eating lunch out may be convenient, but it’s far from an economical choice. So, pack your lunch as much as possible to reduce your food expenses further. If pressed for time, meal prepping allows you to prepare multiple lunches in a single session. ### 11\. Sell Anything You Don’t Need Sell things you no longer need to declutter your home and earn extra cash. You can host garage sales or list your pre-owned stuff online on platforms like Facebook Marketplace or eBay. ### 12\. Use Cash-Back Apps Cash-back applications can help you save money, and many integrate automatically with your debit or credit cards. So, you can benefit from their monetary rewards just by setting up the application once. ### 13\. Avoid Impulse Purchases One of the biggest financial mistakes you can make is spending money on things or services you don’t want or need. Before deciding to purchase something, it’s an excellent habit to wait a few days first. Take this cool-down period to research the product and carefully consider whether it is worth spending money on. ### 14\. Reduce Your Household Bills Household bills are unavoidable, but you can lower your monthly outlay like many other expenses. Consider looking for cheaper alternatives for recurring bills, such as your internet or cable subscription. Those that are charged based on consumption, on the other hand, should proactively be used as little as possible. ### 15\. Use The Cash Envelope Budgeting System The [cash envelope budgeting system](https://www.forbes.com/sites/truetamplin/2024/03/12/5-common-budgeting-methods-that-can-build-financial-security/ "https://www.forbes.com/sites/truetamplin/2024/03/12/5-common-budgeting-methods-that-can-build-financial-security/") is one of the best ways to avoid overspending and save more money. It physically limits how much money you can spend on specific spending categories. The traditional approach of this budgeting method requires you to use physical cash and envelopes, but many applications, including YNAB, now allow you to mimic this system digitally.
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