50+ Money Saving Tips From Some of The Best Personal Finance Bloggers Today

Do you want to save money?best 50 money saving tips

If you do — you’re not alone.

Almost everyone who I know these days are looking for ways to save money. That’s one of the reasons why I decided to create Money Saving Dude.

I started this blog with a simple vision in mind — that is to provide our readers the best money saving tips that they could ever find online.

And just last month, I thought of an interesting idea that can get me closer to achieving that vision. The idea was to ask other bloggers in the personal finance industry how they save their money and the reason why they recommend it, and then compile their money saving tips into one big article.

Now, what I have below are more than fifty money saving tips given to me by different personal finance bloggers that they personally do themselves. Hopefully, you can do some of these money saving tips yourself. Why only some?

It’s because not all of these ways on how to save money can be done by everyone. We are all different from one another. You can do something others cannot, while others can do something you cannot.

Maybe you’re not fond of budgeting, and that’s not a problem. You can still save money without having your own budget. A fellow personal finance blogger told me how he saves his money without following a budget plan, and I included that one below.

Also, be sure to read this article until the very last paragraph because you might miss some of the best money saving tips if you’re not going to finish reading this one.

Money Saving Tips From Top Personal Finance Bloggers Today

1. Don’t ever hesitate to start saving just because you think the amount won’t make a difference.david ning of money ning

By starting, you’ve already won half the battle because the first step is always the hardest to take. Get the ball rolling first and you’ll easily come up with additional savings later.

This tip was courtesy of David Ning, the founder of MoneyNing.

2. Know your goals.poor student

Know what you want to save money for, and it will help you keep the impulse purchases and spending at bay. Find a way to remind yourself about those goals as often as possible. If you don’t keep your eye on the prize, you can get caught up in the day-to-day spending. Also, think about the short term instead of long term accomplishments.

This simple yet important money saving tip came from the “Poor Student“.

3. Give your money purpose.shannon ryan of heavy purse

Giving your money purpose or setting goals is your best defense against mindless spending, which often times is what leads us into consumer debt. We have no reason to say “no” because we’re not working towards anything more important.

Knowing what I truly want to do with my money helps me slow down and ask myself, “Does this bring me closer or further away from my goals?” when I find something I want to have or do. It’s rare that it does, but now I am able to walk away with smile, rather than feel deprived, because what I’m saving and working towards is what really matters to me.

This money saving tip is “somewhat” related to the previous one, and it was given to me by Shannon of The Heavy Purse.

4. If you’re serious about saving money, focus on the big stuff.jd roth of get rich slowly

Frugality and thrift are great habits to develop, and I have nothing against them. But when you focus on the small stuff and ignore the big stuff, it’s like trying to lose weight by cutting out salad instead of dessert.

The two largest expenses in the average American budget are housing and transportation. If you cut your housing costs — by moving to a cheaper place, refinancing, or other methods — you can save as much in one blow as you’d save in a life-time of clipping coupons. Something similar happens when you decide to walk, bike, or take the bus instead of driving everywhere.

If you want to really save money, think big.

This money saving tip was given to me by the founder of Get Rich Slowly, the great J.D. Roth.

5. Always pay yourself first.erin of broke millennial

Whenever you get a paycheck, a set portion should immediately go into savings. Personally, I think that would be after whatever amount is being set aside for retirement. Even if you can only afford to save $5 of your paycheck, do it!

This habit builds a strong foundation and as your income grows, so will the amount you defer into savings.

Don’t just wait until you have more money to start saving because it will be harder to start the habit later in life.

This money saving tip was given to me by Erin of Broke Millennial.

6. Have multiple accounts to manage your money well.Gary of Gajizmo

If you have a stable income, only keep 3 to 6 months worth of living expenses in your primary bank account. Your emergency fund should be at another bank you don’t frequent and your investment accounts (Vanguard, Fidelity, TD Ameritrade, etc.) are not readily accessible.

The purpose of this is to leave a cushion in your primary bank account, but not so much you feel comfortable overspending. Because your other bank accounts aren’t readily available to you, you won’t touch them without a hassle, allowing you time to reconsider a bad decision.

If you get in the mindset that managing your personal finances is just a game like Monopoly, you start playing to win.

Gary of Gajizmo gave me this tip on how to save money by having multiple accounts.

7. Tell yourself “No” as often as possible.catherine of budget blonde

My best money saving tip is to tell yourself “no” as often as possible. I question every purchase, the necessity of it, and ask myself if it will add value to my life. More often than not, the answer is no.

I recommend this method to others because it makes you an active participant in your daily personal finances and teaches you to exercise self control. It also makes every time you tell yourself “yes” pretty fun.

Well, I am just glad that Catherine of Budget Blonde didn’t say no to me when I reach out to her asking for a money saving tip. 🙂

8. Use frugality to get out of debt and stay out of debt.the cash cow couple

Use frugality to get out of debt and stay out of debt. Then stop caring about the opinion of others and design a lifestyle that maximizes your personal utility.

The continual amount of money that most people manage to spend is absurd. Once that truth is accepted and embraced, it is possible to live an extremely prosperous life on very little money.

Most people could easily cut their expenses in half by consciously evaluating spending habits and lifestyle choices. And why would you want to cut your expenses in half?

Well, there is much freedom that accompanies a high savings rate. If you want to find a different job, you can. If you want to take a year off, you can. Frugality will allow you to live a stress free and fulfilling life.

The Cash Cow Couple, Jacob and Vanessa, gave this tip on how to save money by getting out and staying out of debt.

9. Take advantage of apps.ashley of wise bread

One of the things I do to save money is utilize apps. There are many apps out there that allow you to save money using coupons, but there are also apps that offer reimbursements (or incentives like money or gift cards) on products or services you spend on regularly.

For example, when I go to the grocery store I use Ibotta to get money back on purchases I make such as milk or pasta. Or when I go to the gym (I love rock climbing), I use Pact to earn money for the time I spend working out (which I then turn around and use to pay for part of my gym membership each month). You can also consider using an app like SavedPlus, which automatically causes you to save money each time you make a purchase by depositing a percentage of what you spend from your checking account into your savings account.

Using apps like these is extremely easy and benefits your savings account immensely!

This innovative money saving tip was given to me by Wise Bread‘s community manager, Ashley.

10. You need to plug the hole in your sinking ship before you move anywhere.sam of frugaling.org

It’s tough to distill my personal finance tips to just one. My biggest recommendation is also the simplest: you need to plug the whole in your sinking ship before you move anywhere.

Essentially, to get rid of debt and build a solid foundation, you need to balance the budget. First, I encourage people to monitor their spending. Then, where is there room to cut costs? Is there any wiggle room in the monthly budget?

I recommend fixing the leaks in your budget because if you start making more, then you’ll likely lose more too. Let’s prevent that from happening!

After cutting costs, consider ways to increase income. Here’s where I encourage people to take to entrepreneurial activities.

Oftentimes, these business opportunities can be started in spare time. Have a few minutes to spare here and there? Have a story to share? (I know you do!). Take it to the internet!

Side hustles can seriously power you through tough financial periods.

This interesting money saving [slash] personal finance tip was given to me by Sam of Frugaling.org.

budgeting tipsBudgeting Tips To Save More Money

Having a budget can help you in managing your money better.

Some people say that budgeting is also one of the best ways you can do to save money today, or is it?

Most personal finance bloggers who I reached out to gave me money saving tips about budgeting, and most of those money saving tips are similar, the only difference between them was the reason why those bloggers recommend such tips.

Also, there’s one notable budgeting tip that is a must read.

Are you ready to check them out now?

11. Saving money starts by having your own budget.canadian budget binder

Saving money has been a part of our lives not only since we were married but when we were single. In the CBB household saving starts with our budget. Without a budget we learned that we were not saving money to the potential that we could have been doing.

Since implementing a budget for our personal finances we have been able to save enough money to pay our mortgage in full and are completely debt free.

Now our focus is putting more away into our retirement investments and enjoying our lives together without financial worry.

Here’s the first budgeting tip given to me, and it’s from Mr. CBB of Canadian Budget Binder.

12. Achieve your goals by having your own budget plan.derek of life and my finances

This year I made a goal to pay off my home mortgage. In order to make this possible, not only did I need to earn more money, but I needed to cut back on my expenses as well (in essence, save more).

The first step to saving more money should always be to set up a budget. When I put all my expenses down on paper and started to look for areas of savings. Monthly expenses that I never really thought about were now staring me in the face and screamed, “I am expensive!“.

This prompted me to call my cell phone company to get my service cost reduced. The same thing happened with my home insurance, car insurance, and my food expenses.

In total, I am now saving over $1,000 this year because I put my expenses on paper and acted on them.

Here’s another budgeting tip about having your own budget plan, and this one was given to me by Derek of Life and My Finances.

13. Develop and actively manage a budget.RetirementSavvy

A budget is the most effective tool for controlling debt and it serves as a financial guide.  It lets you know if you are heading in the right direction and are on track to reach financial goals such as buying a home, sending a child to college, or preparing for retirement.

In addition to being an effective financial guide, a budget allows you to measure your progress on a regular basis and implement changes as necessary.

And just like what I said above, most of these budgeting tips are similar from one another, but they do have different reasons behind them because they are from different bloggers. This one was from my good friend, James of Retirement Savvy.

14. Just have your own budget plan, and make sure that you follow it.dave ramsey

Unfortunately, the word budget has gotten a bum rap – it is basically just a PLAN.

When you budget, you’re spending on paper, on purpose, before the month begins. But many people view a budget as a straight jacket that keeps them constrained. Freedom and budget just don’t seem to go together.

However, when you see that a budget is just spending your money with intention, you’ll actually experience more freedom than before. Many people say they’ve found even more money when they created a realistic budget and stuck with it.

How does a budget help you save?

If a budget is actively, and accurately managed, it gives you a visual representation of where your money is being spent and helps to identify where expenses can be reduced.  Of course, a reduction in expenses can alternatively be referred to as savings.

This is the last budgeting tip about making your own budget plan, and this was from Dave Ramsey.

You know him?

Of course you do. He is the same Dave Ramsey who wrote the books: The Total Money Makeover, How To Have More Than Enough, and of course, the Dave Ramsey’s Complete Guide To Money.

15. Review your budget weekly, or monthly, or whatever works best for you.making sense of cents

I prefer to review my budget monthly to see how I am doing, what areas I need to improve on, and to also see if there is anything that I can cut out. If I haven’t used something in awhile (maybe cable, the gym, etc.), I try to find ways to lower that cost or to cut it out completely.

If you’re not using it, why spend your hard-earned money on it?

Here’s a tip that can help you properly maintain your budget, and this one was from Michelle of Making Sense of Cents.

16. Track all your spending.Frugal Farmer

There leaves very little room for mindless spending.  Since we started tracking all of our spending, we’ve cut most all of our expenses by at least 30-40% average.

It helps to keep us accountable for every dime we spend, and to really think about whether the spend is a value-based purchase.

This money saving tip was given to me by my good friend, Laurie of The Frugal Farmer.

17. Try doing the cash envelope system.tracie of penny pinchin mom

When it comes to saving, we find that using cash and envelopes works best.

When you have a designated amount of cash towards a select item, such as groceries, you think twice before you buy. The reason is that when you are out of cash, you are done spending until your next pay day!

There is never any way that you can over spend because you just do not have the money to do so.  It is a great way to help you keep your spending in check and remain accountable – to yourself!

The Penny Pinchin’ Mom, Tracie, gave this tip on how to save money with the help of envelopes.

18. Organize your finances.disease called debt

There are many areas where you can save money each month but in order to do this effectively, getting your finances organised is the very first step.

If you know what to expect from your finances each month, you’ll be able to see clearly the areas where you are overspending and you can start looking for better deals in order to save money. You could change the date of your direct debits so that they are taken out of your account on the same day at the start of each month. This will help you to control your outgoings and you can track your expenses more easily.

When budgeting, you might find it helpful to take your “socializing” money out of your bank in cash and put it in an envelope to last you throughout the month. That way, you know that you should only be spending what’s in the envelope. This will help you to avoid the temptation of visiting the cash point or using your debit card.

This money saving tip was courtesy of Hayley at A Disease Called Debt.

19. Save for irregular expenses.brian at luke1428

My money saving tip is to save for irregular expenses (ex. semi-annual insurance bills) a little bit each month.

My budget would always be rolling along fine month after month and then one of those “unexpected” expenses would come and ruin that month’s budget.

I learned to pay attention to when these types of bills were scheduled to arrive and then saved a little each month to put toward that eventual bill.

The money was deposited in my savings account each month and categorized (in an Excel document I created) for that particular item. Then when the bill came due, I’d transfer the money from savings to checking and pay it. The cool thing is that a person can use this system for any future expenditure they anticipate.

We have been saving every month for the last two years to purchase a new car and are close to being able to do that with cash.

This tip was courtesy of Brian of Luke1428.

20. Stop trying to make a budget.matt of mom and dad money

Ask anyone what the first step towards getting your financial life in order is and the answer is almost always the same: make a budget. I don’t like that advice for three reasons:

  • It’s hard to make a budget.
  • Because it’s hard, people get frustrated with it pretty easily and end up quitting, and here’s the biggest one…
  • A budget doesn’t actually save you money.

You know what saves you money?

Actually saving money!

So instead of making a budget, I recommend that people simply set their savings goals and then automate monthly contributions every month to hit them. That accomplishes the entire goal of budgeting (making sure you have enough money left over to save) and you only have to think about it the one time you set up the automatic contribution. After that it just keeps happening month after month whether you worry about it or not. Much easier.

This tip is one of the best money saving tips given to me by a fellow personal finance blogger.

And yes, you’re still in the budget section of this article.

Do you want to know who gave this tip?

Well, I got this controversial yet “awesome” way how to save money from Matt of Mom and Dad Money.

tips before making a purchaseMoney Saving Tips You Should Read Before Making Another Purchase

Every penny can help you in achieving your savings goals, so you don’t want to waste any of it.

Here are tips and advice given by some of the best personal finance bloggers today that can assist you or guide you whenever you’re about to make a purchase, whether it’s just a small purchase or a big one.

21. Ask yourself if you really need the item you’re about to purchase.money crashers

My best money saving tip is to ask yourself one basic question before you spend money on anything from snacks at the convenience store to large purchases, such as a smartphone upgrade or flat screen television.

That question is: “Do I truly need this?”

What you’ll find is that in most cases, that answer is no.

The reason why I recommend this is because by simply taking a step back and objectively reviewing the necessity of any purchase, you’ll find that you can keep a lot more money in your pocket.

Train yourself to avoid the convenience store for example, since most of the items sold there (besides gasoline) are either unnecessary or can be obtained through other means at a cheaper cost. Before you automatically go to upgrade your electronic gadgets, decide that you’ll get by with what you have.

Mike Stromm, the budgeting expert at Money Crashers, recommends this money saving tip, and I think it’s a great tip.

22. Ask yourself “why” you are spending the money.Miranda Marquit

I’m not much of a penny-pincher, but I find asking myself “why” is a good way to re-think my purchases.

Is it important to me? If not, I don’t buy it — and I save money!

Getting to the nitty-gritty of your motivations can encourage you to only buy what TRULY matters to you. Stop spending on the unimportant stuff, or the stuff that’s just “ok” or “nice to have” and you’ll save more in the long run.

Miranda of Planting Money Seeds gave this money saving tip, and it’s somewhat similar to the previous tip from Mike.

23. Stop and ask “Why”. (Again.)stefanie of the broke and beautiful life

Bringing mindfulness to my spending has been the single most effective saving strategy I’ve ever implemented.

Any time I’m compelled to buy anything I take a moment, ask myself why I want to buy it, and if that reason fits into my larger goals, I’ll go ahead with the purchase, if not, I’m pretty good about saying no.

This strategy helps me stay away from emotional, habitual, and what I like to call “I deserve this” spending.  I still indulge every once in a while, after all, small indulgences are always going to be part of my big picture.

This money saving tip was given to me by Stefanie of The Broke and Beautiful Life, and this one is just like what Miranda gave, but with a different reason behind it.

24. Always negotiate.robert of the college investor

I’m a big believer that you should negotiate and look for the best deal possible.

This applies to utilities, phone and cable bills, car maintenance, and buying stuff.  I promise you that even if you just ask “What’s the best price you can do?”, you will see a discount in your bills right away.

This easy-to-remember money saving tip was given to me by Robert of The College Investor.

25. Buy quality items every time.Ryan of cash money life

Saving money is a big part of my financial plan. But more important than just saving money for the sake of saving money, is buying value.

That often means spending less money up front. But sometimes that means spending more money up front to buy better quality, and possibly save more money in the long run.

A good example is buying quality clothing. A good pair of shoes or jeans can last several years with normal wear, but cheap clothes often fall apart after a couple months.

If you buy quality items, you will often save more money over time.

Ryan of Cash Money Life gave this money saving tip, and you should keep this in mind every time you purchase something.

26. Buy used whenever possible.deacon of well kept wallet

When my wife and I got married, we needed some furniture but we didn’t have a lot of money. We specifically wanted to buy an end table but everything we were looking at was over $100.

We decided to go to a thrift store and wouldn’t you know it, we found a wooded end table with a glass top for just $1 that we still open to this day.

Used items can be just as good as new items but it will cost you a fraction of the price.

Why spend more if you don’t have to?

The founder of Well Kept Wallet, Deacon, gave this great tip on how to save money by buying used items.

27. Buy used whenever it makes sense to do so.john of mighty bargain hunter

The first owner of anything pays a premium for buying new. As a secondary owner, you can buy at a discount.

The value of a new vehicle drops thousands of dollars the moment you drive it off the lot. But even if you’re not in the market for another vehicle, try hitting some yard sales.

This past weekend my wife found a “used” towel warmer for her parents that was never taken out of the box, at a 90% discount to the new price.

John of Mighty Bargain Hunter gave the same money saving tip as Deacon, but with a different reason.

28. Calculate how long you had to work in order to buy an item.ray of squirrelers

My money saving tip is to quickly calculate how long you had to work in order to buy an item, before you actually buy it.

For example, a person making $25 per hour after taxes who is considering taking a vacation that will cost $1,000 will really be working 40 hours – or one week – just to take that vacation.

When questioning expenses in terms of how long one must work to make it happen, it can serve as motivation not to spend. This, in effect, serves as a great approach to saving money!

Ray at Squirrelers sent this tip on how to save money.

29. Make more purchases online, through Ebates.pt money

My money saving tip is to make more purchases online, through Ebates.

Many of the things we purchase regularly (diapers, paper towels, etc.) can be found online. Cash back shopping portals like Ebates are a quick and easy addition to the online purchase process.

By buying online you can usually find a cheaper price anyway, and with the addition of Ebates cash back, you’re really saving money.

Ebates Coupons and Cash Back

Click this image to visit Ebates now!

This tip was courtesy of Philip of PT Money.

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impulse purchases tipsMoney Saving Tips To Prevent Impulse Purchases

Have you ever purchased something only to regret the purchase later on?

I have. And it’s not fun at all.

To really save money, you must learn to stop buying unnecessary items all together. Yes. I’m talking about those fancy watches (for men), and expensive handbags (for ladies). And I’m telling you, you don’t need those.

Here are some money saving tips on how to prevent and handle impulse purchases from some of the best personal finance bloggers today.

30. Unsubscribe from all online store emails.catherine of plunged in debt

So many time I have innocently logged into my email to see what’s up and see a new message from ‘store X’.

Before I know it, the email has been clicked and I have an entire online cart full of stuff that I likely didn’t need.

Online shopping is entirely too easy. Limit the temptation!

This money saving tip was from Catherine of Plunged in Debt.

31. Avoid window shopping.save. spend. splurge.

Avoid going to malls and into your favorite shops just to browse, or going online just to take a look at what’s new. Window shopping always ends up to you wanting to purchase a few items that will inevitably catch your eye.

Trust me, this is the best money saving tip I can provide, even though I myself find it very difficult to follow.

The founder of Save. Spend. Splurge. gave me this tip on how to save money by avoiding temptations.

32. Implement the impulse buying savings plan.grayson of debt roundup

I like to implement the impulse buying savings plan.

When I make an impulse purchase, I go and transfer the same amount of the purchase into my savings account.

Not only does this make me more aware of my impulse purchases, but it helps me save money along the way. Everyone makes impulse purchases, but at least you can save along the way.

I recommend this method as it provides motivation on two fronts.  It helps you control your impulse purchases by making you more aware of what you are spending and where.  It also helps you build your savings.

Over time this method can help you get control of your spending habits and move to a more controlled method.

Grayson of Debt Roundup gave me this interesting tip on how to handle impulse purchases.

33. Avoid the sales.money saving tip from julie cheung

My tip is to avoid the sales. This might seen counter-intuitive but sales create a sense of panic, a ‘fear of missing out’ and the urge to buy becomes too great for many. What generally tends to happen is you end up buying items of clothing and/or gadgets that you never really needed or wanted in the first place!

The bargain dress that doesn’t quite fit but is 75% off; the amazing gadget with 12 settings that you’ll use once and ends up sitting in the corner of your room gathering dust. This rule also applies to any ‘2 for 1’, ‘buy one get one free‘ and other attention grabbing tactics sales uses.

Things to ask yourself is why is this product a bargain? Is this something I need? Does it have genuine value?

If it’s a bargain purely for it’s price then it’s most likely not worth buying.

This tip was courtesy of the Finance Girl, Julie.

34. Try to calculate the future cost.moneystepper

The idea is to calculate the cost of something at its future cost rather than its present cost.

Any time you spend money, you have two choices: spend the money now OR save the money for the future.

By using “the rule of 72” for my personal circumstances, I can quickly estimate that anything I spend today will be worth 8 times more by retirement age (inflation inlcuded).

Therefore, if I have an option to eat out tonight for £40, I instead think of it as a £320 meal and suddenly I don’t have the same desire to spend this money.

Just like Ray, Graham of Moneystepper didn’t told me that he likes to calculate stuff to help him save money.

35. Use value-based spending as a criteria for all that you buy.

When you start to think about expenditures in terms of what value they bring to your life, it helps to quickly weed out money wasted on things that aren’t truly important to you.

Another idea is to think about your expenditures in terms of hours worked. Is that $50 dinner out worth adding two hours to your working life?

By using techniques like this before you spend money, you’re very much likely to spend less.

Once again, Laurie of The Frugal Farmer gave me this money saving tip.

Laurie gave me two different ways that she do to save money, and ask me to pick one, but I cannot simply leave a good money saving tip behind, so I decided to include both of them here.

start saving money on food

How To Reduce Your Food Expenses

Food is one of the biggest line of items in a budget, if you have one.

But even if you don’t have a budget, you’re still spending most of your monthly income to buy food, isn’t that right?

Food is a necessity, so you cannot just eliminate it entirely. What you can do is follow these money saving tips that will help you reduce your food expenses significantly.

36.  Always keep an eye on how much you spend on food.jeremy of modest money

In many cases people simply dine out too often which costs considerably more than cooking your own meals. In other cases people are not planning their meals properly and end up wasting a lot of food.

Set a monthly budget for your food and start learning all the ways you can trim that amount down each month. Really there are all kinds of ways you can save on food such as coupons, weekly specials, grocery store choice, planning cheaper meals, making expensive items a less frequent treat, buying less snacks and giving store brands a chance.

I suggest starting by cutting back on food expenses because it’s a significant portion of your monthly expenses. It is also an area that many people are not disciplined with. I found that just by switching to leftovers for lunch and limiting food waste I was able to save a decent amount of money each month.

When you combine multiple strategies to save on food, it’s pretty easy to save thousands of dollars every year.

This money saving tip was given to me by Jeremy of Modest Money.

37.  Save money and eat better with weekly meal planning.connie of savvy with saving

I live in NYC and the two things that costs the most here are rent and food.

Unfortunately, I can’t do much about the rent but I can control my food costs. I use to eat out a lot – practically almost every meal. As you can imagine, I was wasting a lot of money.

When I got serious about saving, I started meal planning weekly. Every Sunday, I would plan out my meals for the week and then go grocery shopping with my list. As a result, I no longer wasted 30 minutes every night just trying to decide what to make for dinner (only to end up ordering out when I realized I had no food to cook).

Not only am I cutting my food expenses by over 50%, I am also eating a lot healthier. I still allow myself a “cheat” day throughout the week though.

Connie of Savvy with Saving highly recommends that you plan your meals, and I think she’s right.

38.  Cook your own meals.living rich cheaply

A couple of years ago, the only thing I knew how to cook was scrambled eggs.  Making ramen noodles and heating up TV dinners is not cooking!

Cooking seemed intimidating, but it really isn’t that hard.

I’m no master chef, but if I can cook a decent meal, so can anyone.  I used to think buying meal outside for $5 or $6 was a great deal, but cooked meals are a fraction of that cost, and it’s healthier.

Andrew of Living Rich Cheaply gave me this tip on how to save money by learning how to cook your own meals.

39. Only purchase food from a restaurant once a week.Jacob of MPFJ

My favorite and most effective money saving tip/strategy that I do is to only purchase food from a restaurant one time per week. This includes breakfast, lunch, and dinner.

For the rest of the meals, I purchase food from the grocery store and prepare the meals myself. The main reasons why I recommend this strategy is that, first, it is very effective at saving significant amounts of  money, and second, it is actionable/achievable for the majority of people.

Let’s say that is costs an average of $8 per meal to eat out a restaurant. At the same time, I am able to prepare meals at home for $2 or less per meal. If we assume that on average, a person eats out at a restaurant one meal per day, this equates to $56 per week, or $2912 over the course of a year. Alternatively, if you prepare all your meals at home, you would save $6 per day, $42 per week, or $2184 per year.

See how that can easily add up to some significant money?

Jacob at My Personal Finance Journey gave me this tip on how to save money and cut down on your food expenses.

40. Cut back on eating out.kristen of the frugal girl

One of the most effective ways to save money is to cut back on eating out.

I have a family of six, and even a fast food meal can set us back $35. To avoid fast food/takeout temptation, I plan a menu and shop for groceries based on the menu. When I know what I’m going to make and already have the ingredients in the house, going out to eat is far less tempting.

Kristen of The Frugal Girl also recommends that you cut back on dining out, similar to what Jacob said in the previous money saving tip.

41. Teach your kids to eat what’s set before them.

Many parents cater to their children’s taste buds, even preparing individual meals. Children can waste a lot of food by demanding individually designed meals, not eating what they take or not eating what is offered and then later filling up on expensive junk food.

This great money saving tip was from Marie of Family Money Values.

ways to save money on groceriesWays To Save Money On Groceries

You’re paying more these days because of the rising cost of oil, disappointing crop yields, global warming and of course, inflation. Those affect the prices of items in the grocery store, and the only thing you can do is to become a better shopper and consumer.

Here are different ways you can do to save money on groceries that other personal finance bloggers are doing themselves.

42. Go grocery shopping less.John of WiseDollar

I know that saving money on groceries is not exciting or cutting edge, but it saves real money.

I’ve read recent statistics that show many families with 4-5 people spend upwards of $1200 per month. With our family of five we’re able to keep it to $475 per month, while also eating a lot of organic products. That is huge savings. This allows us to stretch our budget and prioritize other things we want to take care of.

We go shopping once every ten days and stick to our meal plan.

This has the added benefit of significantly reducing food waste as well, so it’s a win-win.

This tip on how to save money on your groceries was courtesy of the new owner of Wise Dollar, John.

43. Shop the outer edges of the grocery store.joshua rodriguez

One of my favorite ways to save money is to shop the outer edges of the grocery store. For the longest time, I would buy food from the freezer section or boxed and processed.

I didn’t realize how much money it costs to box and process the food. By buying fresh food, I not only eat healthier, I’m not paying someone else to prepare it for me. I always thought it was expensive to eat healthy, but now that I’m doing it, my mind has changed drastically.

This one tip has saved me hundreds every month on groceries. and I’m sure thousands in future medical bills that I would have had to pay if I kept eating boxed foods.

This money saving tip was given to me by Joshua of CNA Finance.

44. Save your grocery savings.jon of money smart guides

I recommend this tip because it’s an easy way to save money.

Here is how it works: after I go grocery shopping, I look at the bottom of my receipt.

There the store lists how much money I saved through the use of coupons and/or buying items on sale. When I get home, I simply make a transfer from my checking account to my savings account for the amount that I saved on my grocery trip I usually save between $15-$20 per week on a shopping trip, so in a year, I typically have an extra $1,000 saved up.

Jon of Money Smart Guides gave me this tip on how to save money better.

45. Shop Costco before dining out or going to theme parks.buck of buck inspire

Some of my favorite restaurants sell their gift cards at Costco at 20% off. The usual package is two $50 dollar gift cards for $79.99.

If fine dining isn’t your thing, you can load up on coffee, tea, and juice gift cards. Finally, there are some great deals for theme parks and other attractions.

The family recently enjoyed a two day park hopper package from Legoland.

We save on groceries from Costco, but why pay full price for dining and entertainment?

Buck of Buck Inspire recommends that you shop at Costco before you go out to eat or go to a theme park for you to save money.

save on your monthly billsHow To Save Money On Your Monthly Bills

How much are you paying for your monthly bills?

Are you paying too much?

Do you want to know how you can save money on your monthly bills?

If you want to know how to save money on you monthly bills, then make sure that you take note of these money saving tips below.

46. Audit your bills.aaron of three thrifty guys

​We often get into a mode of regularly paying our bills without giving them much attention – from the cell phone bill to the cable bill – to car insurance.

I recommend folks (at least) check their recurring bills 2-3x a year to make sure they are getting the best deals. This entails calling up your provider and asking for any discounts that can be applied to your account for your loyalty and/or insurance agent to be sure you are getting the best possible coverage for the best price.

Auditing your bills will save you in the long haul.

This money saving tip was given to me by Aaron, one of the Three Thrifty Guys.

47. Keep an accurate list of due dates.PaulaWethington of Monroe on a Budget

Whomever pays the bills in your family needs to know about all upcoming expenses and diligently track the due dates. This will help you avoid a late fee, credit line access fee, or bounced check fee – all of which would erode the funds in an already existing tight budget.

If you use check cashing services or debit cards in lieu of traditional banking, careful tracking of bill payments can keep the alternative service fees to a minimum. I use a smartphone app for tracking bill dates, but a computer or tablet spreadsheet or a spiral notebook with a checklist will work just as well. Every time a bill arrives, I program my phone with the amount and date due.

When I compare my bill list to paycheck dates, I know which weeks will be tight on cash flow vs. which ones can absorb expenses that are not as time-sensitive. I then plan my spending accordingly.

Paula of Monroe on a Budget gave me this wonderful tip on how to save money.

48. Avoid paying Cable TV.

I recommend that if you currently have a non-cable contract to eliminate cable from your life and just use fast speed internet.

Cable television can range from $30/month to upwards of $100/month. If you have high speed internet, Netflix is only $8/month and provides a lot of content. If you combine Netflix with Hulu plus, you are at $16/month and still saving money.

David of Financial Nerd recommends that you cut your cable TV, and search for other alternatives to cut down on your monthly bills.

49. Evaluate your monthly services and negotiate.jason at phroogal

It’s important to evaluate your monthly services to ensure you’re getting the best deal.

Write down the list of services such as utilities, auto insurance, cell phone, cable, subscriptions and memberships. On a set date, call up the providers and see what discounts can be applied for your loyalty or what new deals are available.

If you’re unable to score a discount, check alternatives for a better deal. Sometimes loyalty doesn’t pay and it’s time to send your business elsewhere.

This money saving tip was courtesy of Jason at Phroogal.

50. When paying for insurance or other monthly bills, check with the company to see if you can get a discount.krista and jon of 2 copper coins

When paying for insurance or other monthly bills, check with the company to see if there is a discount if the premium is paid every year or six months. If so, go for this option and then pull out this amount plus a little each month.

My husband and I owe roughly $82 each month for our insurance, however we pull out $100 each month and then when it’s due (at 6 month intervals) we have an extra $108 to spend however we please. We’re generally good savers so we often use this as a treat – dinner, movie etc. However if you struggle to save this could be a good way to build up savings without feeling the pinch.

Krista and Jon of 2 Copper Coins gave me this nice tip on how to save money on your monthly bills, specifically on your insurance.

51. Find savings on your recurring monthly expenses.peter of bible money matters

My money saving tip is to find savings on all of your recurring monthly expenses. While those costs may be small in the short term, over the long term they can add up to hundreds of dollars.

Cut your landline and go with a low cost VOIP provider. Cut your expensive contract phone for a pre-paid phone. Refinance your mortgage.

Find all of the places that you pay a bill every month, and find a way to cut the bill.

I recommend this tip because it isn’t too hard to get a discount, and in the end you’ll end up saving thousands.

This money saving tip was from Peter of Bible Money Matters.

save money on your housing costsWays To Save Money On Your Housing Costs

Buying your own home is expensive. Maintaining it can be as costly too. So know how much space are you going to need to live comfortably before acquiring a house, and make sure that you consider the cost of having your own home from utilities to maintenance and repairs.

To help you, here are a couple of tips from Paula and Brandon that can save you money on your housing costs.

52. Live with roommates for as long as you can.Paula Pant of afford anything

Live with roommates for as long as you can stand it — especially if you don’t have children. Alternately, buy a duplex or triplex, live in one unit, and rent out the others.

Housing is your single biggest expense. Most Americans spend between 28 to 33 percent of their income on housing. Living with roommates can literally cut that cost in half (or more), effectively allowing you to save 15 percent of your income with a single decision.

If you’re not willing or able to share your home with someone, at least purchase a multi-unit property, such as a house with an in-law suite or a converted basement.

Paula of Afford Anything gave me this great tip on how to save money.

53. Consider buying a duplex or triplex.

brandon of bigger pockets

The best money related tip I have, especially involving real estate, would be to consider buying a duplex or a triplex instead of a single family home when you buy your first home.

The lending rules are the exact same for small multifamily homes and it is no more difficult, but starting out this way can help you save a lot of cash and help you build a solid foundation for your financial future.

I love this tip because If you get a good deal, the tenant(s) can help pay your mortgage and allow you to live cheaper… possibly for free. Later, when you move out, you can keep that property as a rental and make extra income every month from it!

This money saving [slash] real estate tip was given to me by Brandon, the senior editor of Bigger Pockets, a great resource for real estate investors and enthusiasts.

friends at the beach

How To Save Money While Having Fun

Saving money doesn’t mean you should sacrifice everything just so you can achieve your saving goals.

You can still have some fun without spending too much. Here are a couple of money saving tips from Jay and Kali that you can do to have fun and save money all at the same time.

54. Take out $100 in cash every paycheck to do as you please with.j_money of budgets are sexy

I like to take out money every two weeks to give me some nice freedom from all the saving/investing/paying off debt etc every month.

I find that having cold hard cash in your pockets helps you put things in perspective more (i.e. it’s harder to spend than plastic!), and more importantly budget for all those random expenses over the weeks.

Once that $100 is gone (or whatever # works in your situation – maybe $50? Or $200, if you’re a baller) that’s that. I have to wait until the next pay period to take out more 🙂

This interesting money saving tip was given to me by the founder of Budgets are Sexy and Rockstar Finance, J. Money.

55. Engage in hobbies that are cheap or free.kali of common sense millennial

My favorite way to save money is by engaging in hobbies that are cheap or completely free.

I love running, hiking, biking, and camping – I love nature and the outdoors, and being outside is a wonderful way to spend your time without having to spend any money.

Things like running and biking require minimal investment (think $100 for a pair of good, properly-fitting running shoes, or a little more for a used bike you can purchase at a secondhand sporting goods store). While camping and hiking might require a little more money upfront, investing in quality equipment and caring for your things will see you through years of trips and adventures.

Plus, these things aren’t just good for your wallet. They’re good for your health, inside and out.

This tip was courtesy of Kali at Common Sense Millennial.

ways to save money while traveling and an airplaneWays To Save Money On Your Next Travel

Another good way for you to have some fun is to go out and travel.

It may cost you money, but there’s still a possibility that you’ll be able to get to your dream destination without spending too much.

I’ve reached out to bloggers in the travel industry to give you some of the best travel tips that you can ever find online. There’s also a good money saving tip given to me by a fellow personal finance blogger that I included in this section.

56. Plan ahead.arianwen of beyond blightly

If you make a rough itinerary of your trip before you set off, it doesn’t mean you have to stick to it. What it does mean, however, is that you’ll have a very good idea of the places you simply can’t miss and you’ll have a logical route to follow between them.

When I meet fellow travellers who haven’t planned a rough route or done any research, I’m frequently baffled by the amount of money and time they’ve wasted zigzagging all over the continent.

I’d recommend planning a trip at least a month in advance and sending yourself an email with your itinerary. Then, as you discover more and more useful advice from blogs or fellow travellers, you can add these tips to the same email, with useful links to come back to when you reach that specific location.

One word of warning though… while planning ahead can save you a fortune, booking ahead is often a mistake and robs you of your freedom. Many tours are much cheaper if you wait until you’re there and then haggle with multiple tour providers.

Arianwen, a travel blogger and the founder of Beyond Blighty, gave me this great travel tip.

57. Think before you buy.monica of the travel hack

Whenever I’m trying to save money for travel, I try to stop and think, ‘What would this buy me on my next trip?’.

A new pair of shoes could be a hotel room in India. A fancy meal could be a bus ticket in Vietnam. A manicure could be a meal in Thailand. That new car I’ve been drooling over could be an entire 6 month trip.

Whenever I think like this it stops me wasting my money and encourages me to save it for amazing experiences rather than temporary possessions.

This tip was courtesy of Monica, another travel blogger and the owner of The Travel Hack.

58.  If you want to travel the world, save HARD.becki of backpacker becki

If you want to travel the world, save hard. Save every spare bit of money you can from your salary each month until you hit your savings goal (I aimed to have between £600-£1000 per month I was going to travel).

How did I save £17,000 in little over 18 months? I put around 60% of my overall monthly wage into savings instantly and budgeted my life on the rest. That meant not buying clothes, making meals at home and curbing the party lifestyle. Not fun and fairly anti-social… but for the greater good. It wasn’t easy, but it wasn’t impossible. If you REALLY want something bad enough, you can make it happen. It just takes a lot of adapting.

This money saving tip was courtesy of Becki, one of the best travel bloggers in today’s world, from Backpacker Becki. She lives permanently on the road as a travel writer and travel PR, encouraging people to travel differently, adventurously, responsibly and with purpose.

59. Go on a staycation instead for those on a tight budget or schedule.money saving tip from the frugal toad

What to do when the family vacation budget is tight?

Staycations are an inexpensive alternative if you find it difficult to fit an extended vacation into your busy schedule. Many resorts have summer deals on the weekends specifically for families with children and often include activities geared for families. On one of our summer staycations we enjoyed a barbeque followed by a movie at the swimming pool.

Just because the family vacation budget is tight doesn’t mean you can’t enjoy a fun weekend getaway with the family!

This money saving tip was given to me by Paul of The Frugal Toad.

more money saving tipsOther Great Money Saving Tips You Should Take Note Of

Ready for more money saving tips about taxes, investing, debt, DIYs and other stuff?

If you are, then continue reading these money saving tips below.

60. Whenever you get any money, gift, win, tax refund, salary, or quarter on the ground, look at that money as “savings”.barbara of barbarafriedbergpersonalfinance

Every time you receive any money, gift, win, tax refund, salary, or quarter on the ground, look at that money as “savings” not “spending”. Put it in the bank or even better, start an investment account.

This habit alone, can get you started on a disciplined path to saving and allowing your money to make money by compounding.

Barbara, the founder of Barbara Friedberg Personal Finance, gave me great tip on how to save money.

61.  Bank your raises.dee of color me frugal

As you go through your working life and get raises, don’t raise your standard of living!

Just keep living the frugal lifestyle and let the money pile up in your savings and retirement accounts.  If you do this you will definitely thank yourself one day!

Another good way to save money from Dee of Color Me Frugal.

62. Eliminate all consumer debt.todd of financial mentor

Credit card debt is wasteful and expensive. You should pay off your highest interest balances first, and use the money freed up as each card gets paid off to accelerate the payoff of the remaining credit cards.

To avoid accumulating new debt, you should only spend what you can afford for each month. You should not settle for making just minimum payments to pay off your credit cards because it’s financial suicide on the installment plan: it makes compound interest work against you instead of for you.

The sooner you can pay off all your debt, the sooner the money can be redirected to investments that can help you make more money.

This tip was courtesy of the Financial Mentor, Todd.

63. Invest primarily in low cost index funds.robert of dough roller

We talk so much about cutting expenses from our monthly budget. What we often neglect is the huge investment costs in the form of commissions and expensive mutual funds.  These expenses can easily eat away tens of thousands of dollars (or more) in returns.

Low cost index funds allow investors to keep more of the hard earned nest egg.

This money saving [slash] investing tip was given to me by Robert of Dough Roller.

64. Get to know the tax rules and strategize your savings.my money design

Not all places you use to save your money are the same; especially when it comes to taxes.

For example: Waiting at least a year before you sell your stocks will lead to less taxes than if you sell them before then.

Saving your money in your employer-sponsored retirement plan like a 401k or even an IRA can lead to thousands of more dollars over the long haul than if you just invested the same money normally.

Earlier this year I found out about a SEP-IRA and how I can use that to pay less taxes on my blog income.

When you put all these strategies together, it can help to really accelerate your savings and grow them to heights you never thought were possible.

Another good way to save money from the founder of My Money Design.

65. Set aside a personal money for the month.dominique of your finances simplified

One of the best tips that I can provide and have done for the last 4 years is to set aside personal money for the month.

That’s right, you have your bill money, savings then personal money (fun stuff). Set a certain amount that works with your budget and put it into a separate checking account / cash and you never have to worry about overspending again. It’s a great way to plan fun and save money.

This tip was courtesy of Dominique of Your Finances Simplified.

66. Target to save money each month.one cent at a time

My biggest money saving tip which I follow very successfully for past 15 years, is to target a certain amount of money for each month, and set aside that money in another bank account/CD/investment account. Then spend as you wish with the rest of the money but, the catch is that the spending wish should be budgeted ahead.

The founder of One Cent At A Time gave me this tip on how to save money every month.

67. Make sure your main checking account balance is exactly the same at end of each month.money saving tip from retire before dad

At the end of every month, make sure your main checking account balance is exactly the same.

Choose a minimum balance, and transfer everything above that balance to savings on the last day.

For example, let’s say your minimum balance number is $1000 and your paychecks total $5000 per month. If you spend $2200 in a given month, then move $2800 to savings on the last day so you start the next month with exactly $1000.  Here’s the math: $1000 (starting balance) + $5000 (paychecks) = $6000 – $2200 (spending) = $3800 – $1000 = $2800 (move this to savings).

This is effective because you can compare how much you saved each month by looking at what you transferred into your savings account. Plus it’s a very deliberate strategy to keep you motivated.

This method also works great for paying off debt. If you spend below that $1000 level, transfer money out of your savings back into the checking account and start again… and spend less next month!

The founder of Retire Before Dad gave me this great tip on how to save money.

68. Keep in mind that success is made of small victories.chris of thisthatandmba

My wife and I are in the position that we are looking for a new house.  We are having a third child come along shortly and we are really working towards saving to put a decent down payment on a new house.  I think it is easiest to save when you and your significant other can come up with a mutual goal that you can see the end result.  That may not be the case for retirement or just to save in general.

What I find intoxicating is seeing the value in the account continue to rise, it becomes almost like a game to see how much I can save.  Before I spend a dollar now I think about what real benefit I am getting out of the dollar spent, can I get away with buying a cheaper alternative and bank the difference in savings?

It is really about setting little goals and seeing those little goals snowball a few times over.  I was really surprised how fast my wife and I were able to save about 15k for a down payment. We really started saving in February and with our tax return we were able to snowball it into 15k in a matter of months. I do not think we skimped out on anything that we didn’t need.

It is really about sitting down and seeing where you are spending your money. We were spending out money foolishly, reigning in the spending we were able to accumulate a small fortune in some people’s eyes.  Start small and get small victories, as the big victory will come one day.

This great money saving tip was from Chris of This That and the MBA.

69. Work and save as much as humanly possibly when you’re young.jessica of momoneymohouses

No one can predict the future, but the one thing you can count on is you will eventually retire and you’ll need a lot of money to do so.

That’s why it’s super important to work hard and save up as much money as possible while you’re young.

Not only will you have the energy to do so as opposed to when you’re older, but you also won’t feel as inclined to succumb to lifestyle inflation to match your peers.

The founder of Mo’ Money Mo’ Houses, Jessica, gave this great tip.

70. Pay off your mortgage in 15 years.debt debs

I think lifestyle inflation, keeping up with the “Joneses” and “I deserve” mentality get in the way of achieving what we really want. The problem is we don’t know what we really want until we get there and learn it too late.

So my money saving advice is to pay off your home in 15 years. That’s right!  Sound too aggressive? Then you bought too much home. Should it be easy, while fitting in all your needs and wants?  No, you’ll have to practice some frugality and give up some wants, but it is the best way of forced saving.

Make sure you are funding your retirement savings, emergency funds and planned spending at the same time – everything in moderation. Take out a 25 year mortgage, but pay it off in 15. Ensure your terms allow for monthly, quarterly or annual prepayments, or possibly even doubling up your payments.

Some American readers may disagree due to the tax implications of being able to write off your interest costs. So be it, but with the mortgage rates potentially rising, you don’t want to be falling behind in reaching your mortgage freedom date. By the time the kids get older (did anyone tell you raising kids is expensive?), you’ll have other “needs” for this money, but you’ll have the peace of mind that one of your biggest expenses has been annihilated. Freedom to spend your money as you see fit.  That’s part of financial independence right there!

This tip was given to me by the founder of Debt Debs.

71. Learn to do things yourself.jefferson and michelle of see debt run

My husband and I save a lot of money by simply refusing to pay someone else to do something that we are able to do ourselves for less! We try to use this logic in every purchase as well.

For example, if I can repaint an old table from Craigslist for less than half the cost of buying new, you better believe I’ll be trolling Craigslist for ‘another man’s trash’. This wasn’t always the case for us. We used to buy everything new and commission out a lot of work around our house.

I think too many people pay others to do jobs they could easily accomplish themselves. Painting your house, cleaning out your gutters, repairing a running toilet…none of these jobs are a lot of fun, I admit, but being able to save all the money to accomplish something yourself feels awesome.

Don’t know how to do something? No excuse today!

Youtube and Google are your new friends.

This past Fall, Jefferson learned how to winterize a sprinkler system that the previous owners had installed in our new house. This is something that would have cost hundreds every year if he had just called a lawn care company. After some research and purchasing a compressor for $40, he was able to do it himself without a hitch, and will be able to activate in the Spring and winterize in the Fall every year without additional cost now. I also have several DIY projects I’m working on right now for the house as well.

I really think more homeowners should take the DIY route.

Owning a home doesn’t have to be such a financial drain.

This money saving tip was sent to me by Jefferson and Michelle of See Debt Run.

save money with the right money mindsetThe Best Money Saving Tip

Sure. You can do all those money saving tips, but you’re going to have a hard time doing those if you’re not going to do this tip below first.

72. Develop the right money mindset.Money Saving Dude for feeds

Developing the right mindset is crucial for you to succeed in anything, and this includes achieving success in your financial life.

Many people have a perpetual plan to start saving money, but they never do.


It’s because they don’t have the right money mindset, or the mindset of a saver. Most of them still have the mindset of a spender, that’s why they are having a hard time saving money.

What they don’t know is that once you’re able to change your money mindset to a saver’s mindset, you can easily save money.

Having a saver’s mindset means you can save money naturally.

You’ll be able to pay yourself first, cancel your cable TV, cut down on your food expenses, and have fun without making it hard for yourself once you have a saver’s mindset.

So, how can you change your money mindset?

Here are some steps you can do to shift your mindset from a spender to a saver:

  • Examine your current beliefs, and eliminate the self-limiting beliefs that you have.
  • Look for role models, and be inspired by their success.
  • Determine your goals, or more specifically your savings goals.
  • Get the best information, and apply them in your life, just like those money saving tips above.
  • Protect your mindset, and don’t pay attention to naysayers or those people who want to drag you down.

It just takes a little creativity and shift in perspective to have a new mindset. I know you can do it!

Believe me, saving money can be easy and fun. All you got to have is the right money mindset.

This money saving tip was from the Money Saving Dude. Yup, this tip was from me.

You know I had to be part of this list, right?

Final Thoughts

Again. Saving money isn’t supposed to be hard. You should enjoy saving your money, because it is fun and fulfilling, and it can help you achieve your financial goals.

If you’re having a hard time saving money, then you should consider assessing yourself first before you do anything else.

Maybe you just need some inspiration.

Or maybe you should change your goals.

Or maybe you don’t have the mindset of a saver yet.

There’s a reason behind everything in life. Once you found out what’s the reason why you’re having a hard time saving money, you should correct it as soon as possible.

I just hope that those money saving tips can help you save your hard-earned money better.

And just a simple reminder, you don’t need to do all those, just pick a few that you can do, and I’m sure you can still save money, even if you only choose to do a handful of those money saving tips above.

What about you?

Do you have another way to save money that you do yourself but isn’t on this list?

If you do, then feel free to share it in the comments below.

Now, let me dedicate this last part of this article to give credits to those who helped me in making this article:

I think that’s everybody. Thank you for reading!

Don’t forget to share this article with your friends, so they can started saving more money too. You can even bookmark this page if ever you want to read those money saving tips again.

You can also subscribe to our email list, by entering your email address below, so you can receive our latest “money saving” articles in your Inbox. Or you can subscribe now by clicking this link.


Get updates at Money Saving Dude right in your Inbox. 


P.S: If you’re a personal finance blogger, and you want to add your money saving tip in this list, then contact me through this site’s contact page. I’ll add your tip as soon as I receive it, and please include a photo of you when you send in your tip.



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  1. says

    Great list. Very well known bloggers. Quite a few that really opened my eyes to things I can try out in my personal life. I like 53 engage in hobbies that are free or cheap. That is one that I have difficulty doing, most of the things that I enjoy are costly.

  2. says

    Wow, that is quite the list Mark! Thanks for taking the time to put all of this together and for asking me to be a part of it. I love that this list covers so many different areas to focus on. You could take one or two of them, just start from there, and be off to a great start!

  3. says

    This a really comprehensive list of saving tips…thanks for putting it together and for including me! This is definitely a must read for everybody.

  4. says

    This is an amazing list. Love it!

    I would add a counter-intuitive one: don’t be afraid to spend money to save money. Home maintenance tasks, car repairs, regular dental checkups all cost money, but can save you money in the long run. On the other end of the spectrum – perhaps you pay for a certification or extra education in order to get a new job or a raise at your current one (in order to save the delta).

  5. says

    Mark, thanks so much for inviting me to be a part of this! Nice work on putting it all together. My favorite is Broke Millenial’s advice to pay yourself first! We do this literally every single time we get paid and I think it’s absolutely going to pay off some day!

  6. says

    I’m going to sound like a broken record, but what a list! Great resource for saving in so many different areas. Thanks for inviting me to take part and keep up the amazing work!

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