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Ask your company's human resources department to divide each of your paychecks between your savings and checking accounts.
Set a goal—“Pay off credit card debt”—and then come up with an actionable, realistic plan for achieving it (and then stick to the plan). Make like the Sherlock Holmes of your bank account and regularly scour for funny-looking charges. If you find yourself needing to use ATMs more frequently, plan each ATM visit carefully to avoid fees.
For deals on everything from haircuts to brow waxing, head to sites like Groupon, Yipit, and Living Social. See if your company offers corporate perks and discounts such as gym memberships, ball games, cell-phone data plans, hotel fares, and concerts. Many gyms and fitness studios offer at least one free class or gym session, while others offer cheap, introductory rates.
During harsh winter months, layer up with extra blankets, drink a hot cuppa tea, and get your snuggle on to stay warm instead of jacking up the heat. Fancy, fragrant wall flowers, aromatic sprays, and a slew of over-priced candles can do some serious damage on your wallet.
When cold months arrive, taking a few easy steps to winterize your apartment or house can also reduce energy costs. Keep appliances clean and try to fix small snafus yourself rather than sending appliances (small or large) to the dump and purchasing new ones. While powering off the TV doesn't exactly save that much energy, turning away from the tube can save money in an entirely different way. From thank you notes to birthday cards, all it takes to make a classy-lookin' DIY card is some cardstock and a little creativity. The premise is simple: At a potluck dinner, each invitee brings along a dish of food, which is then eaten by all. Hit up BYOB restaurants to hang out with friends, enjoy a good meal, and save a ton on the alcohol mark-up.
When it comes time for birthdays and holidays, peruse Pinterest for homemade gift ideas such as DIY candles, face scrubs, baking mixes, and home goods. Share your favorite reads, movies, and music with friends instead of buying things at the store. If your stack of magazines gets more time in the recycling bin than in your eager paws, then it's probably time to get rid of unread subscriptions.
Check the local newspaper, town website, or coffee shop boards for free or cheap events, from farmers' markets to concerts in the park, that are going on around your hood.
Even if you have to pay a little more to do a separate load of whites, you'll promote clothing longevity.
Buy Father's Day cards the day after Father's Day, wrapping paper after Christmas and Chanukah, and Easter paraphernalia after Easter. If you feel like you're treating yourself to an unnecessary purchase, it probably is unnecessary (sorry). Buy personal care items, such as deodorant and hand soap, in bulk (so long as you're confident you'll actually use it all).
Strategic placement of foods as well as desirable packaging often has us leaving the store with a few extra bags (and too many extra bucks spent). Check out grocery circulars to see which store has the most of your favorite go-to items on sale.
Heading to the grocery store with a fabric bag in tow not only cuts down on paper and plastic waste, it can save you money (albeit a very tiny bit). Organic produce is nearly always more expensive than the conventionally grown stuff, but the good news is that some fruits and veggies are a-OK to buy without the organic seal of approval. Drinking water may seem like a no-brainer for good health, but it's a clear-cut winner in the money-saving category. Price stickers on fresh produce may keep you from eating your veggies, but there's a cheaper alternative that's just as healthy.
Cook multiple meals at a time—double a recipe, or cook a few recipes at once—and then freeze some for later when you've got no time for meal prep (saving you from the expense of take-out food). A slow cooker can be one of the best kitchen money savers since it's so cheap to run (they use just 100 watts of electricity, which means one meal a week racks up less than a dollar on the electricity bill). Brew that morning cup of Joe at home or take advantage of the office coffee maker to save up to $15 a week.
Snack bars, quick-cooking oatmeal cups, and individual hummus cups all come with a price—and it's almost always higher than a homemade version. Packing lunch for work or school is generally the healthier choice; plus, it saves on food markups at sit-down restaurants and fast-food joints.
Here's a little secret: Expiration dates actually refer to the quality and freshness of food, not safety.
Cutting meat from just one meal a week (it doesn't have to be on a Monday) can save a few bucks because meat, poultry, and fish are more expensive than other protein sources. Instead of dropping extra dough on a slice of pie and a cappuccino, save the sweets for home sweet home rather than ordering them at a restaurant. But taking control of spending and saving even just a pocket-full of George Washington's can help alleviate some of the worry.


Set a specific percentage to automatically deposit into your savings so you're less inclined to touch it while out at the bar. Try out finance-tracking apps like BUDGT, Learnvest, or Mint, which offer a visual barometers of specific goals.
Staying on top of your current balance and past purchases allows you to spot errors as well as areas of spending that can be cut back. Try withdrawing a set amount each week and sticking to it, that way you won't be forced to hit up a non-affiliated bank (and get whacked by ATM fees). When it's time to take out cash, make sure you have time to get to your bank (unless it doesn't charge ATM fees) or go to a supermarket or convenience store that offers cash back with debit purchases.
If some deals seem too good to be true, check out Yelp reviews of specific restaurants or salons before purchasing in order to prevent the meal or haircut from hell.
An appointment with a student in training may mean a majorly discounted (or even free) haircut. A little TLC, healthy food, and regular exercise can help prevent expensive medical bills down the road.
Turning down the heat saves money on both water and the energy it takes to replenish your hot water tank.
Make your own spa-like goodies with easy-to-make ingredients lists including bananas and coffee. Every once in a while, go ahead and buy something you don't really need (ahem, another bottle of nail polish).
Deodorize a stinky mudroom with a simple mix of baking soda and an essential oil of your preference.
Turning off that hallway light or making a household sweep to shut off lights in unused rooms can save a few pennies here and there.
Try plugging drafty doors with towels (or a DIY draft snake), winterizing windows with plastic or caulking, and beefing up insulation to keep a home warm and cut back on heating costs all winter long.
Take easy steps—clean food particles and hard water scale before they build up, inspect seals for wear, etc.—to maintain appliances' longevity. They can be more expensive than their traditional counterparts, but they pay off in the long run: LED bulbs and compact fluorescent light bulbs (CFLs) require less energy to run. It's the discreet flow of energy from cords plugged into outlets when the devices they're attached to are in standby mode or powered off.
Dirt-cheap drinks and no cover charge make the moniker “It's five o'clock somewhere” all the more appealing.
In contrast, store-bought cards can cost around $5.99, and chances are they'll be tossed in just a few days.
Bring a picnic to a park, a beach, or even your backyard and make dinner just a little more special (without having to tip). And smuggling in a few healthier snacks can save a ton (both in terms of money and health) compared to over-priced boxes of candy and cartons of popcorn.
Search for and sell discounted collections on Craigslist and PaperBackSwap, or check out used book and music stores. Once you've organized your clothes so everything has a place, it's likely you'll find forgotten items hiding in your closet and rethink buying a whole new wardrobe.
For tough-to-clean items such as wool, silk, and rayon, hand wash with mild soaps instead of shipping them off to the dry cleaners. Clothes are an expensive investment, and taking good care of your wardrobe can save money over time. Go ahead, sniff your clothes and assess if that hardly-worn T-shirt really needs a run through the washer and dryer. The actual cost of running a dryer isn't all that steep, but the more immediate effect is maintaining the integrity of each item of clothing. Leave your wallet when you head out so you won't be tempted to grab coffee or go on a mini shopping trip. Added tip: Wait until the end of a season to buy clothes when they're all half off or more. An effective way to steer clear of impulse buys is to write a shopping list before going to the grocery store and then stick to it.
Head to the supermarket after you've eaten—studies show that shopping with hunger pangs may mean more food in the cart. It'll keep you from tossing in more than you need (plus, you'll get a mini arms workout while you shop). Sit down once a week or once a month and only clip things you really will use rather than buying something just for the sake of getting a good deal.
Stores including Target, CVS, Whole Foods, and Trader Joes offer incentives for reusable bags, like money back (five to 10 cents) or entry into a drawing for a gift certificate. Frequent farmers' markets during the spring, summer, and fall for locally grown produce that's often less expensive than supermarket food shipped in from miles and miles away. Check out the “clean 15,” the Environmental Working Group's list of produce that's most safe to eat in non-organic varieties.
Don't even entertain the idea of impulse buys at the checkout line (here's looking at you, gum and tabloids). Just don't stock up for a fall-out shelter—make sure you use up what you have before bulk-buying again.


If once-a-month cooking is too daunting a task, stick to once a week or a couple times per week.
Making coffee at home or at work is also an environmentally friendlier choice since you won't be dumping a paper cup with each purchase.
Spend a little time in the kitchen to make healthier, less-processed versions of packaged snacks. Rather than a $10 to $15 lunch from the corner deli, a lunch from home can cost just a few dollars. Food is often safe to eat even beyond “sell by” and “use by” dates, so long as it's stored right. Swap in beans, legumes, eggs, nuts, and seeds for a simple and healthy way (both for humans and the planet) to fatten up the wallet. Freeze flour, sugar, grains, and baking mixes in the freezer for two to four weeks to increase shelf life to up to two years.
Not only will a bike or walk commute to the supermarket or to work provide health benefits, but it's also more cost-effective (no gasoline required!). Another bonus: Interest rates are generally higher for savings accounts than they are for checking. To stay organized, you can divide cash into envelopes—not just an app—with categories like “food”, “rent”, and “fun”. If cold showers are your worst nightmare, try adjusting your hot water heater's thermostat to 120 degrees or less.
Regularly treating yourself will help you feel less restricted so you don't go on a spending binge down the road.
Hand washing dishes (versus a dishwasher) just once daily—and not leaving the water running while scrubbing—can save 200 to 500 gallons of hot water per month. With basic ingredients such as baking soda, vinegar, olive oil, and fresh herbs, DIY cleaners can get the job done without harsh chemicals and for a fraction of the price of commercial cleaners. If your fridge works perfectly fine, it may not be in your best interest to chuck it; but when you do decide to buy new appliances, it's worth the extra moolah to purchase an Energy Star model. Though the return isn't mind-boggling, it doesn't take a whole lot of effort to make sure the lights are off before you cross that threshold.
Each commercial showcasing a quarter pounder or a root cyclone technology vacuum is designed to sell consumers a product, which is pretty wild stuff considering TV is considered the most effective advertising channel. Beyond the obvious health benefits of decreasing TV time—including increased sleep, prioritizing your social life, and promoting healthier weight—limiting dependence on cable TV can save a substantial amount of money. Crazy as it may sound, replacing five bulbs with energy efficient light bulbs can save $75 each year. Delegating dishes among guests makes it easier for the host family by saving time, energy, and (of course) money.
Turn off the lights and the phones, and save chatting for after the movie for a theater-like experience without shelling out tons of money. Take small steps—sew on lost buttons, patch jeans (totally looks cool anyway), etc.—to keep clothes past their prime. Hot water does in fact clean better, but save it for seriously soiled clothes rather than the just-slightly-stinky stuff.
This way, with each new purchase, you'll have to consciously plug in those numbers and question whether the purchase is really necessary. Certain purchases, such as medications and organic food, are especially smart to buy generic because they're regulated by the FDA and the USDA, respectively. The math is simple: A packet of seeds can cost less than a dollar, yet it can grow dozens of cukes, tomatoes, or green beans. Tempting treats are designed to be eye candy, but you most likely have no need for a marked-up granola bar. Just make sure to check unit prices, as some in-season fresh vegetables may be less expensive than the frozen variety.
Keep food from spoiling—before any stamped date—by setting the fridge thermostat to 40 degrees or below and freezing meats within two days of purchasing. When an envelope goes empty, it's time to stop spending in that section (or swap funds from another one). Keep the air filter clean (and replace it every few months) and keep the windows closed and locked while the air conditioner is running. To avoid the burning desire to spend on things you never knew you needed, avoid ads as much as possible. The Environmental Protection Agency estimates that Americans have anywhere between 20 and 40 devices (from printers to coffee makers) using phantom loads throughout their homes—and this all adds up to money needlessly spent on energy. There are alternatives including Hulu, Hulu Plus ($8 per month), and Netflix ($8 per month).



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