Here they all are folks.
1. Set your thermostat to 64 and turn it down to 60
at night.
2. Use the phone book instead of directory
assistance.
3. Use coupons at the grocery store.
4. Carpool.
5. Ask for generic prescriptions
instead of brand name.
6. Do your own nails.
7. Rent out a room or
garage.
8. Replace 100 watt bulbs
with 60 watt.
9. Make long distance
calls at night and on
weekends, instead of
mid-day, mid-week.
10. Throw pocket change in a jar
and take it to the bank when it’s
full.
11. Always grocery shop with a list.
12. Buy spare parts for your car at the junkyard.
13. Go to museums on free days.
14. Quit smoking.
15. Get hand-me-down clothes and toys for your
kids from family and friends.
16. Meet friends for coffee instead of dinner.
17. Request to get interest on the security deposit
for your apartment.
18. Take a shorter shower.
19. Write letters instead of calling.
20. Brown bag your lunch.
21. Make your own baby food.
22. Use public transportation.
23. Drop duplicate medical insurance.
24. Buy old furniture at yard sales and refinish it
yourself.
25. Apply for scholarships and financial aid.
26. Exercise for free - walk, jog, bike, or get
exercise videos from the library.
27. Form a baby-sitting cooperative with friends and
neighbors.
28. Buy your clothes off season.
29. Go to a matinee instead of an evening show.
30. Share housing with a friend or family member.
31. Hang clothes out to dry.
32. Do not use your calling card.
33. Volunteer two hours a month for reduced cost
food through the Share Program (800-499-
2506).
34. Change the oil in your car yourself
regularly.
35. Get pre-approval from your medical
insurance company before
undergoing any procedures or tests.
36. Buy “no frills” vitamins.
37. Take a date for a walk along the
beach or in the woods.
38. Make cards and gifts for friends.
39. Shop in thrift stores.
40. Have the water company do an audit so you
are not charged sewage fees for water used
in your garden.
41. Refinance your mortgage.
42. Grocery shop on double coupon days.
43. Trade down your car for a less expensive, lower
maintenance one.
44. Convert your cash value life insurance to term.
45. Shop around for eyeglasses.
46. Don’t be shy about pulling something you like
out of the trash.
47. Recycle.
48. Move to a less expensive place to live.
49. Use low flush toilets or water saving devices in
the tank.
50. Drop unneeded telephone services like call
forwarding or caller ID.
51. Buy fruits and vegetables in season.
52. Avoid using your ATM card at machines that
charge a fee.
53. Bicycle to work.
54. Shop around for auto insurance discounts for
multiple drivers, seniors, good driving records, etc.
55. Ask your doctor for samples of prescriptions.
56. Borrow a dress for a big night out, or go to a
101 Ways
To Save
Money
consignment shop.
57. When you buy a home, negotiate the sales
price and closing costs.
58. Turn the hot water heater down and wrap it with
insulation.
59. Never grocery shop hungry.
60. If you qualify, file for Earned Income Credit on
your taxes.
61. Shop around for prescriptions including mail
order companies (Medi-Mail 800-331-1458,
Action Mail Order Drugs 800-452-1976, and
AARP 800-456-2277).
62. If you pay for childcare, make use of the
dependent care tax credit or your employer’s
dependent care flexible spending
account.
63. Buy, sell, and trade clothes at consignment
shops.
64. Shop around for the lowest banking fees.
65. Caulk windows and doors.
66. Iron your own shirts.
67. Plan your weekly food menu before shopping.
68. Buy a good used car instead of a new model car.
69. Purchase all of your insurance from the same
company to get a discount.
70. Cut your cable television down to basic.
71. Go to an optometrist for routine vision tests or to
change an eyeglass prescription.
72. Buy pre-owned toys and children’s books at
garage sales.
73. Have potluck dinners with friends and family
instead of going out.
74. Use the library for books, video tapes, and music.
75. Inspect clothing carefully before purchasing it.
76. Don’t use your dishwasher dry cycle; open the
door and let them air dry all night.
77. At the grocery store, comparison shop by looking
at the unit price.
78. Make your own coffee.
79. Use old newspapers for cat litter.
80. Shop at discount clothing stores.
81. Skip annual full mouth X-rays unless there is a
problem; the ADA recommends
X-rays every 3 years.
82. Water your garden at night or early in the
morning.
83. Shop around for long distance rates.
84. Hand wash instead of dry cleaning.
85. Grow your own vegetables and herbs.
86. Shop around for auto financing.
87. Donate time instead of money to religious
organizations and charities.
88. If you are leaving a room for more than five
minutes, turn off the light.
89. Shop at auctions or pawn shops for jewelry and
antiques.
90. Keep your car properly tuned.
91. Request lower interest rates from your creditors.
92. Trade in old books, records, and CDs at book
and record exchanges.
93. Pay bills the day they arrive; many credit card
companies charge interest based on your
average daily balance.
94. Buy software at computer fairs.
95. Search the internet for freebies.
96. Compost to make your own fertilizer.
97. If your car has very little value, you probably only
need liability insurance.
98. Cut the kids hair yourself
99. Increase your insurance deductible.
100. Buy in bulk food warehouses.
101. If your income is low, contact utility companies
about reduced rates.