99 Ways To Save Money

Saving money is my favorite thing to learn about. Each penny saved, is a penny earned in my book. And being a good steward of my money is a passion. Here are 99 ways to save money around your home today!

Feel free to chime in with your own money saving tips. And no…all these tips won’t work for each individual lifestyle, but the goal is to challenge you to save your hard earned money for something more worthwhile like living debt free and having financial freedom.

Cancel useless subscriptions (magazines, cable).
Turn your water heater down.
Wash your clothes in cold water as much as you can.
Make your own laundry detergent.
Reuse zip lock bags; just wash in soap and air dry!
Use a crock pot to make most of your meals.
Use leftovers for lunches instead of buying expensive fast food or “pre-made” lunches.
Make your own teeth whitening mouth wash.
Use coupons when available.
Set a budget for your weekly spending.
Try to use cash only or cash back credit cards for your purchases.
Only use ATM’s that are attached to your bank to avoid fee’s.
During the day, use natural lighting.
Unplug appliances when not in use.
Turn your thermostat down. Better yet, “levelize” your plan.
Save all of your spare change in a jar or piggy bank.
Always use rebates when available.
Recycle your cans and plastic.
Use old T’shirts for dusting and wiping down counter space instead of paper towels.
Check out books and movies at local libraries.
Shop end of the school year or next year’s school supplies.
Shop yard sales and thrift stores for furniture needs.
Make homemade cleaners.
Make homemade face wash.
Make homemade shampoo.
Replace expensive meats with cheaper options or even legumes.
Use Rice and Pasta for fillers.
Vegetables and fruit are a lot cheaper than pre-packaged snack items.
Make homemade loaves of bread.
Ask for a discount for internet and phone services.
Price comparison before you buy anything.
Refinance your home to cut the monthly cost. Use extra money throughout the year to put towards the home.
Try to air dry your clothes.
Simplify your clothing into just a few loads each week.
Attend matinee’s and dollar theaters instead of paying full price for tickets.
Avoid eating out.
Drink more water; less soda.
Clean your jewelry yourself with Windex or soak in hot water.
Use baking soda as a stain remover.
Make your meals from scratch.
Clean out your cars yourself. The water hose and a bucket of soapy water will do the same thing.
When inviting families to your home, host pot lucks. Ask each family to bring a dish.
Find entertainment at home: games, movies, reading, puzzles, exercise.
Give yourself your own manicures, pedicures and herbal soaks.
Turn off lights when not in use.
Always double check your receipts.
When buying large items, ask for a discount.
Shop with a list only.
Early morning and mid week is the best time to score manager specials at the grocery store.
Do a price comparison on fruits, vegetables and meats to determine where to shop.
Stock up on necessities buy purchasing them online. You can often get 10-25% savings this way.
Use Swagbucks to earn gift cards or cash for gifts during the holiday season or birthday’s.
When driving, stay within the speed limit to save gas.
When gas prices drop, fill up your gas can for your lawn mowers and weed eaters.
Live below your means in relation to your home and cars.
Always pay a few dollars above interest on anything.
Run the dishwasher every other day.
Exchange services for things you need: i.e. sewing for house cleaning, lawn work for babysitting, etc.
Shop for stable items at discount stores.
Play sports on community teams, where you generally don’t have to pay fees.
Learn to take your own family portriats with a point and shoot camera.
Skip the printed Christmas card. Make an online one to share with everyone on e-mail and social networks.
When eating out, share meals, drink water and skip dessert.
When traveling, scope out restaurant options ahead of time. Request a lit of their menu to plan the best deals.
Pack light when traveling to avoid added luggage fees.
Use buy one get one half off deals for work shoes. Then rotate them each day. They’ll last much longer.
Carpool whenever the option is available.
Use free calendars online rather than buying printed ones.
Use free e-mail options, instead of paying for a local service.
Cut down on your internet speed, works about the same.
Make sure your tires are always balanced to save on gas.
Keep your cars tuned up to avoid major problems later one.
Learn to change the oil yourself.
Partake in city wide junk day to avoid spending fees at the dump to get rid of items.
Scale down your living space. More stuff = more money spent.
Use smaller data packages with your cell phones.
Cancel gym memberships. Utilize community gyms, parks and in home work outs.
Check around for cheaper insurance rates.
Create your own homemade latte’s instead of going to the coffee shop.
Make your own homemade ice cream.
Cancel newspaper subscriptions. Check them out at the library or in the office.
Never pay for coupons. Participate in coupon swaps if you must have them.
Stock up on meats and canned items when they are at their cheapest. Then freeze for use during the rest of the year.
Farmer’s Markets are a great place to stock up on fresh produce at a fraction of the cost.
Try to can your fruits in vegetables to use throughout the year.
When taking a shower, place a cup at the bottom. Use that water for your plants or garden instead of the garden hose.
Write e-mails to your favorite companies to ask for coupons and discounts.
Sign up for freebies and store up beauty products (mascara, toothpaste, lotions, etc.).
Buy in bulk when cheaper.
Freeze cheese in bulk when it goes on sale.
Draw names at Christmas get together to save money, instead of having to buy for the whole bunch.
Kids don’t know the difference between name brands when it comes to clothing. If your friend’s ask about it, they aren’t friends.
Make muffins at the beginning each week and pop in the freezer. They make cheap and convenient breakfast items.
Sign up to your favorite stores to receive coupons and mail out discount codes.
Make milk last longer: take 1/2 gallon whole milk, add 1/2 gallon water and chill. Taste exactly the same.
Buy pet foods in bulk and store in an air tight container.
Try to bulk process your photos, it usually saves on the overall cost.
Make cookies and other desserts from scratch. You will save over 75% of the bakery cost.
Keep a spending log to detail your journey. You will find more ways to cut back.