37 Tips And Tricks To Improve Your Finances… I’m Starting #28 Today.


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Most people dream of padding up their savings accounts with a ton of extra cash, but aren't sure how. Over-spenders, look no further. Here, we have compiled a list of 37 tried-and-true ways to save your extra cash - #29 is going to change your shopping game forever.

Set up your bank account so that each month, a specific amount of money is automatically taken from your checking account and put into savings. As the old saying goes, "Pay yourself first."

Ken Teegardin

Pick Your Own Fruits.

If you're lucky enough to live near an orchard or farm, you'll find that their prices for fresh produce are usually much cheaper than the supermarket. Stock up and freeze or can the extras so the produce doesn't go bad.

Sander van der Wel

Print At Work.

Printers are expensive, and not to mention a pain in the butt. If you have access to a printer, do all your printing from work. You'll save money - and if it breaks, all you have to do is call the repair guy.


Shop at alternative supermarkets.

The Dominican and Korean supermarkets in my neighborhood, for example, often carry much cheaper produce than the larger grocery stores down the road. Bonus: You might find something new and exciting to cook up for dinner.

Michael Ocampo

Insulate Your Home.

You'd be surprised to learn how much money you can save on energy bills, simply by insulating your home properly. Here's what one Redditor had to say:

"You can get space blankets cheap on Amazon. Cheap like maybe a buck and change, and each one will cover two windows. Mist the window lightly with plain water on the inside of the glass. Cut a piece of space blanket Mylar maybe a wee bit big and press it against the glass. Work out the wrinkles to your satisfaction and optionally run a box cutter around the edges for a neat fit. When Winter comes and you need the solar gain, just peel off the space blanket and fold them for later use. I can't remember where the heck I got the Bubble Wrap trick, but it's totally awesome, and it is actually the genesis of this tip. Kept me toasty warm last Winter."

Ciaran Cuffe

Double-Check Your Bills.

Sometimes, companies will make mistakes on your bills (this is especially true for phone bills). Be sure to pore over all your bills and watch for any errors. It could save you a tone of money.


Exercise Outside of a Gym.

Gym memberships can get pricey, so why not turn the world into your gym. There are plenty of blogs dedicated to outdoor, gym-free exercise: Do your research and get movin'.

Gillie Rhodes

Deep Freeze.

Money comes and goes, and some months are lighter than others. If you have a deep freezer, you can stock up on food during the months when you have a little extra cash. During tougher months, you can head to the deep freezer instead of the grocery store.

Francois Schnell

Cut the Cable.

Cable is ridiculously overpriced, and most of the channels have nothing on anyways. Instead of cable, try a Roku player, that offer your choice of Hulu Plus, Netflix, and Amazon prime.


Regrow Vegetables.

Many vegetables can be regrown from their scraps in a cup of water. This makes use out of old food - and potentially gives you new food to work with.

Take Care of Your Clothes.

Make a point to hang up and care for your clothes every day. This will save you trips to the dry cleaner - and all the expense that comes with it.

Alexander Rabb

Grow Your Own Food.

Have some land to work with? Try growing your own food, which can often be the freshest and cheapest option for great produce. If you don't have the space, grow a little herb garden in your kitchen.

Ed Bierman

Make Your Own Detergent.

Detergent is pricey. Here's one Redditor's formula for a cheap alternative:

"It only took me about an hour to make a powdered detergent from Borax, washing soda, and bar soap (one cup, one cup, and ½ bar respectively). There are tons of recipes. This is the one I used. The rough cost estimates for me were 900 loads for about $20. Cheapest equivalent was Aldi's detergent at 360 loads for $25."

Kim F

Make Small Changes.

Turn off lights, carpool, compare products before buying - when it comes to saving money, it's all about the little things.


Only Drink Water.

Especially in restaurants, where a few Cokes could easily add $10 to your bill.


Use a Rewards Credit Card Instead of a Debit Card.

If you've got your finances under control and have good credit, you can qualify for a rewards credit card. These types of cards offer bonuses for sign-up, and use points to offer rewards each month.


Restore or Build Your Own Furniture.

"I've recently started getting my feet wet in some DIY projects," said one Redditor. "I built a headboard for our bed for under $50. A friend gave us a large wooden spool that my wife and I are going to convert into a table/bookshelf combo. With a few tools and some time, you can save hundreds of dollars and have the satisfaction of building things yourself."


Learn How to DIY Repairs.

You'd be surprised how much money you can save when you don't have to pay a plumber or electrician. Often, the employees at places like Home Depot can explain how to do simple repairs in your home.


Treat Yourself Once in a While.

Saving money is tough, and it shouldn't come without the occasional reward. Just make sure to do your research before you take the plunge.

Markus Koller

Scour Craigslist.

If you can navigate through all the junks and creeps, there is plenty of great stuff to be found on Craigslist. Bonus: There is a ton of free stuff there as well.


Use Vinegar.

Vinegar has hundreds of household uses, and it's in incredibly cheap. Bonus: You avoid exposing your home to the nasty chemicals found in cleaning solutions.

Joe Shlabotnik

Never Buy Things Full Price.

Eventually, everything goes on sale.


Get the House You Need, Not the One You Want.

You might get approved for an expensive house, but you'll save money by going with the cheaper house that suits all your needs.

Toby Bradbury

Participate in a No-Spend Month.

One Redditor gives the lowdown on how you can start a No-Spend Month:

"Pay all the bills at the beginning of the month, set aside your 15% savings (or more), and only spend money on gasoline & groceries. That means no eating out, no alcohol, no renting movies, no shopping, etc."

401(K) 2012

Be Honest With Friends About Your Budget.

Remember, if you're saving money, its okay to say "Sorry, I can't afford this."

Aaron Nace

Look For Cheaper Means of Transportation.

Cars are overpriced and lose value as soon as they leave the lot. If your city or town is commutable by bike, bus, or foot, try that as an alternative.

Will Vanlue

Use Less.

Be conscious of how much of something you use, whether it be toothpaste, dish soap, shampoo, or detergent. Usually, a little goes a long way.


Start Looking Well in Advance For Big Purchases

Here's one Redditor's tip:

"When it comes to big purchases — say, a new car or a big piece of furniture — start looking well in advance. As an example . . . we decided to start the search for a new car. We tossed around all sorts of ideas, colors, makes, models. We scoured Craigslist and talked to friends and family about what they drove. In the end, after taking our sweet time and having extreme patience we found an 4x4 Escape worth over $6,000 and paid $2,000 for it 'cause someone just wanted rid of it."


Check Out This Guide to Making Cheap- but Good- Food.

This guide shows you how to make great food with affordable ingredients.

Cressida Bell

Adjust Your Thermostat.

Add or take off a layer - reducing energy costs can end up saving you hundreds of dollars each year.

Jason Coleman

Dry Your Clothes on a Clothesline.

Dryers use a ton of electricity. Try a clothesline instead. Bonus: Your clothes will smell amazing.

Frau Heimlich

Drop Your Contract.

If you've got the cash, pay full price for your phone instead of signing a contract to pay it off over time. In the long run, you'll end up saving big.

Kārlis Dambrāns

Take Advantage of Price Matching.

Many retailers, like Target and Walmart, have price-match policies, meaning that they will match the low prices of their competitors.


Ask For Returned Paint.

Paint that is returned to hardware stores can be resold for a song. Warning: Some of the colors are off, so make sure you're getting what you want.

Scott Granneman

Take Free Classes Online.

There are over 800 free online courses at schools like MIT, NYU, and Harvard.

Laia Ros

Get $5 Christmas Trees.

Lowe's sells Christmas trees for $5 if they have a brown spot. Make sure to ask an employee about where to find them next Christmas.


Pick Up the Phone and Negotiate.

Call your cell phone service provider and try to negotiate some fees. If you're polite and patient, it just might work.

Julian Carvajal