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
12 Simple Tricks I Use to Save Money Every Month
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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.

Written by: Chris Graciano

Chris has always had a vivid imagination, turning childhood daydreams into short stories and later, scripts for films. His passion for storytelling eventually led him to content writing, where he’s spent over four years blending creativity with a practical approach. Outside of work, Chris enjoys rewatching favorites like How I Met Your Mother and The Office, and you’ll often find him in the kitchen cooking or perfecting his coffee brew.

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