Small Tips To Save Money – Saving more money doesn’t have to be difficult. There are so many small and simple things you can do to stash away extra cash. I’ve compiled a list of 101 easy money saving tips to help you keep more money in your wallet. Not every tip is right for everyone, but you can go through this list and work on the ones that work for your situation. Before you know it, you’ll start seeing your savings grow.
Save on water bills by installing low-flow showers and faucets at all water outlets. You can also fill an empty ½ gallon milk jug or an empty plastic soda bottle with water and place them in the toilet to save the water that fills your tank after flushing.
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Call your local electric company and ask for an energy audit. Most companies do this for free or for a small fee, but it is worth the small fee and time. You’ll get a valuable money-saving tip that can save you hundreds every year if you follow it.
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Use power strips where you have multiple appliances/electronics plugged in, anything plugged into the outlet is consuming power even when not in use or on. You save on electricity by simply flipping the switch on power strips whenever possible.
Installing programmable thermostats will also save hundreds in fuel costs per year. Program it to lower the temperature in your home when you’re at work or at night, and raise it again 20 minutes before everyone gets home at the end of the day or wakes up in the morning. You won’t even notice the difference, other than the big money savings.
Closing heating registers in rooms that are not in use and keeping doors closed to keep the heat in the rooms that are used the most also saves on heating costs.
Shop for energy-efficient appliances, look for Energy Star. Most of them cost more, but save more energy over the life of the device.
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Turn off lights, TVs, and everything else when you’re not using it. A light here or there may not add much, but all the little things throughout the year really count.
Make sure your home is well insulated, again this will cost you money but also save you money in the long run.
In the summer, close the curtains in your home to save on cooling costs. In the winter, keep your curtains open when the sun’s rays come in, and keep them closed to reduce cold drafts when the wind is strong.
Plant some trees and shrubs around the house to not only beautify the landscape, but also save energy by blocking the wind and sun. You can save up to 30% on your heating and cooling costs.
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Perform regular maintenance on your appliances at least once a year, if not more often, to keep them running smoothly and without worry. Vacuum and dust the sinks and vents behind the refrigerator, TV, dryer, and all other large appliances.
Replace light bulbs with CFLs. They cost more, but will save you money in the long run, use up to 75% less energy and last 10 times longer.
Eliminate or reduce your cable TV service. This can be a huge monthly bill, and getting rid of it partially or completely can save you a lot of money. There are many services available that can save you hundreds of dollars a year. Find a service that fits your needs, consider Netflix, Amazon Prime (bonus: free music streaming and free 2-day shipping on almost everything), or Hulo, or you can upgrade to a steam Roku system or digital antenna.
Get rid of your home phone, if you’re already paying for a mobile, why pay for a landline.
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Delete data from your smartphone plan. Now there are Wi-Fi hotspots everywhere, why pay for something you can get for free.
Don’t use the dishwasher dry cycle, it uses a lot of energy and air drying does the same.
Wash in cold water, most normal laundry loads do not require hot water to clean and remove small stains. This might not be good advice if you have very young children or your career is getting a little messy.
Get a water heater on demand. An on-demand water heater uses energy only when you use hot water, unlike others that run all day to keep the water at a constant temperature.
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Lower the water heater temperature. Lower the temperature by 10-20 degrees to save on electricity costs.
Combine cable, internet, and phone if you still use all of those services. Companies will give you the best prices if you buy them all from one supplier.
At least once a year, look for the best prices on packages. Companies give an introductory rate to get you to switch to their service, and after that period ends, your bill increases. If you find a better rate with another company, check your current provider and tell them you’ll switch if they don’t match. Most companies will keep your business.
Check your property tax bill to make sure your city or town is assessing it at the correct value. Speak up if you feel you are being overcharged. If necessary, hire someone to appraise your home. This will cost you upfront, but will ultimately save you some of the change in property taxes over the years.
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Shop for insurance once a year to make sure you’re getting the best rates, and consider raising your deductible. Would you file a claim if the repair cost is several hundred dollars?
Combine homeowners insurance, life insurance, and auto insurance. Companies provide you with discounts on various policies to get and keep your business.
Pay the insurance premiums in full for the entire year if possible. When you make payments, you will incur additional costs.
Don’t pay bank fees, there are many different types of accounts. Switch to a free account at your financial institution, or switch to another that offers these types of accounts if needed.
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Get a rewards credit card, there are many different types of miles to earn points on purchases that you can exchange for products or even cash back.
Pay your credit card bills in full and on time each month to save on interest and late fees. They can really add up, and if you don’t pay on time, your interest rate can increase significantly.
Take advantage of the 0% interest credit card offers and always pay your bill on time. Also, read the fine print: If you don’t follow the rules, you could be caught with a card with a higher interest rate than expected.
The higher your FICO score, the more you’ll save on loans, credit card interest, and even insurance premiums. Once you improve your score, you have to pay off your mortgage, car loan, etc.
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Create an account with credit tracking sites like CreditSesameto to track your FICO score. These sites analyze your debt and give you suggestions on how to save money on credit cards, car and home loans based on your profile.
Pay off the loan weekly or bi-weekly, this will allow you to accumulate an extra payment per year to pay off the loan faster and save on interest.
Use only your bank’s ATM. If you use another bank’s ATM, you will be charged a fee of $3.00 or more. If you go to another ATM to withdraw just $20, the cost could be around 15% or more of your actual withdrawal.
Ask for a lower interest rate on your credit card (if your FICO score is good). Ask to speak to a manager and let them know you found a better rate elsewhere and change it if it matches or is better.
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Check your bank and credit card statements each month for errors. Mistakes happen, if you find a mistake, call the facility as soon as possible to have it corrected.
Take advantage of the online bill payment option at your bank. Set up an automatic bill for all your fixed recurring monthly payments. This ensures you don’t miss payment dates to save on late fees. Set the payment date at least 5 days in advance to ensure that payment is received on time, as it may take several days for the money to arrive.
Check your bank account for any subscriptions you no longer need. Even if it’s just a few dollars a month. Many people leave it because they don’t have time to deal with salespeople. Simple
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