12 Simple Tricks I Use to Save Money Every Month
I’ve found easy ways to cut costs without sacrificing my lifestyle, helping me save money consistently every month.
- Chris Graciano
- 3 min read
Saving money does not have to be complicated. I was able to lower my spending without feeling deprived. I did so by making a few minor modifications to my daily activities. These twelve easy methods have allowed me to keep extra money in my pocket each month.
1. Automating My Savings
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I set up an automatic transfer to my savings account every payday. By treating savings like a fixed expense, I never forget or spend the money elsewhere. Over time, even small amounts add up significantly. Out of sight, out of mind—and into my savings.
2. Cooking at Home More Often
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Restaurant meals and takeout were draining my budget, so I started meal planning and cooking at home. Not only did I save money, but I also ate healthier.
3. Using Cashback and Rewards Apps
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Before making any purchase, I check for cashback offers or rewards programs. Whether it’s groceries, gas, or online shopping, I earn money back on things I was already buying.
4. Buying Generic Instead of Name Brands
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I stopped paying extra for fancy labels when store-brand products work just as well. From pantry staples to medicine, generic versions save me a significant amount. Most of the time, the ingredients are nearly identical. The only real difference is the price.
5. Cutting Unnecessary Subscriptions
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I reviewed my bank statements and realized I was paying for subscriptions I barely used. Canceling streaming services, magazines, and memberships I didn’t need freed up extra cash. If I miss something, I can always resubscribe later. More often than not, I don’t.
6. Shopping with a List
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Impulse purchases used to wreck my budget, so now I never shop without a list. Sticking to a plan helps me avoid unnecessary spending. I also compare prices and look for discounts before buying anything. A little planning goes a long way.
7. Using Public Transportation or Carpooling
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Driving everywhere used to cost me a fortune in gas and maintenance. Now, I use public transportation when possible or carpool with friends and coworkers.
8. Negotiating My Bills
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Instead of accepting high prices, I started calling service providers to negotiate better deals. From internet plans to insurance rates, a simple phone call often led to lower monthly costs. Many companies would rather give me a discount than lose my business. A little persistence pays off.
9. Shopping Secondhand
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I’ve found incredible deals by buying used instead of new. Thrift stores, online marketplaces, and refurbished electronics offer great savings without sacrificing quality. Many items are barely used and cost a fraction of retail prices. One person’s clutter is another’s treasure.
10. Unplugging Devices to Save Energy
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I didn’t realize how much “phantom energy” my electronics were using until I made a change. Now, I unplug devices when they’re not in use and switch to energy-efficient appliances. My electricity bill has noticeably dropped. Small habits lead to big savings.
11. Doing DIY Repairs and Maintenance
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Instead of calling a professional for every small fix, I started learning basic repairs myself. YouTube tutorials have helped me handle things like patching walls, unclogging drains, and even simple car maintenance. Avoiding unnecessary service fees has saved me a lot. A little effort goes a long way.
12. Paying Bills on Time to Avoid Fees
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Late fees and interest charges used to eat into my budget. Now, I set reminders and automate payments to ensure I never miss a due date.