15 March 2020

100+ Effective Tips for Saving Money


Hand holding out a fan made of dollar bills

Want to build an emergency fund or save enough money to fulfil a long-standing dream? Maybe you just want to stop living paycheck to paycheck. Whatever your money goals happen to be, you can inch closer to them with a few changes to your lifestyle and habits. Our cheat sheet below can help you with that.

The cheat sheet covers more than a hundred ideas to help you save money. Pick your favorites and start applying them to your life.

Don’t dismiss any of the ideas as too simple, trivial, or insufficient to make a significant difference to your finances. Remember, it’s okay to start small and build better money-saving habits over time. And the cumulative impact of baby steps needs to be seen to be believed!

FREE DOWNLOAD: This cheat sheet is available as a downloadable PDF from our distribution partner, TradePub. You will have to complete a short form to access it for the first time only. Download 100+ Effective Tips for Saving Money.

100+ Effective Tips for Saving Money

Tips
Banking, Bills, and Payments
■ Set up automatic transfer of money from every paycheck to a savings account.
■ Avoid ATM withdrawals that will cost you fees.
■ Pay your bills on time to avoid late fees.
■ Stash away money from windfalls and refunds instead of spending it.
■ Declutter subscriptions and memberships often.
■ Cancel automatic subscriptions and memberships.
■ Round up purchases to the nearest dollar and add the difference to your savings.
■ Shop around for better deals on broadband, credit cards, insurance, phone plans, and streaming subscriptions.
■ Refinance your mortgage and auto loan.
■ Switch to a high-yield savings account.
■ Pay your credit card dues in full every month to avoid paying interest.
■ Switch from monthly to half-yearly or yearly insurance payments to avoid unncessary fees.
■ Look for hidden fees on every purchase.
■ Pay attention to incorrect charges on bills so you can dispute said bills.
■ Get multiple quotes for services to get cheaper deals.
■ Find ways to save tax on your earnings.
■ Sign up for customer rewards programs.
■ Get overdraft fees waived if possible.
■ Opt out of overdraft protection (and keep a close eye on your account balance.)
Home
■ Get an energy audit of your home.
■ Switch to energy-efficient lighting and appliances.
■ Develop energy-efficient habits, such as switching off the lights while leaving a room.
■ Unplug inactive appliances or plug them into a power strip so you can turn everything on and off with the press of a button.
■ Switch to solar-powered gadgets where feasible.
■ Keep your automobiles and electronics in top shape.
■ Avoid electronic and automobile upgrades for novelty value.
■ While buying a phone, buy a model or two older than the latest one.
■ Ditch your landline.
■ Lower the temperature on your thermostat.
■ Switch to a programmable thermostat.
■ Don’t heat unused rooms.
■ Insulate your home well.
■ Use fans instead of air conditioning.
■ Install faucet aerators to reduce water costs.
■ Fix leaky faucets and other broken items around the house.
■ Pick up housewares from yard sales.
■ Move furniture around to give your home a simple makeover.
■ Cook meals at home. (But skip recipes that require buying ingredients you probably won’t use again.)
■ Carry water and coffee from home.
■ Eat seasonal foods.
■ Eat local foods.
■ Buy staples in bulk and during sales.
■ Cut down on one supermarket trip every month and shop from your pantry instead.
■ Don’t shop when you’re hungry.
■ Get creative with leftovers.
■ When possible, choose potluck meals over catered ones for events.
■ Make meal-planning a habit to avoid ordering takeout.
■ Buy a crockpot for filling yet inexpensive meals.
■ Make your own cleaning supplies.
■ Declutter your stuff and stop paying for a storage unit.
■ Switch to cold water for doing laundry.
■ Switch from a dryer to a clothesline for drying clothes.
■ Adopt a pet instead of shopping for one.
■ Groom your pet yourself.
■ Buy locally made pet food.
■ Swap pet-watching duties with another pet owner.
Entertainment and Lifestyle
■ Cancel costly packages and add-ons from your cable TV subscription. OR
Switch from cable TV to streaming services.
■ Lower your cell phone bill by getting rid of extras.
■ Borrow books and DVDs from public libraries.
■ Play board games instead of going to the mall.
■ Swap clothes, books, games, music, sports equipment, and other supplies with friends and family.
■ Make your next holiday a staycation.
■ Choose AirBnbs over hotels when you travel.
■ House swap with friends and family for a vacation.
■ Time a vacation to coincide with the end of a work trip and in the same location.
■ Travel hack.
■ Build a minimalist wardrobe.
■ Avoid buying clothes that need to be dry cleaned.
■ Cut your own hair.
■ Volunteer as a model at a beauty school for free/discounted haircuts and other beauty treatments.
■ Use up toiletries and cosmetics before buying new products.
■ Switch to inexpensive/drugstore brands for toiletries and cosmetics.
■ Make your own shampoo.
■ Shop from duty-free stores when you travel internationally.
■ Pay in cash whenever possible.
■ Pick free online tutorials over paid classes when you can.
■ Find free/inexpensive hobbies and activities for yourself and for your kids.
■ Keep an eye out for free local events, classes, and workshops.
■ Create a shopping list and stick to it.
■ Buy with reward points.
■ Run the household on one person’s paycheck and save the rest.
■ Walk where you can. It gives you a free workout and saves on transportation costs.
■ Reduce the number of cars you own.
■ Wash your car yourself.
■ Stick to the speed limit to avoid fines as well as inefficient gas usage.
■ Ride a bike instead of driving a car.
■ Take public transport more often.
■ Carpool more often.
■ Work from home more often.
■ Move closer to work.
■ Move to a cheaper neighborhood.
■ Move to a smaller home.
■ Cut down on smoking and alcohol.
■ Reduce meat consumption.
■ Split restaurant meals.
■ Ask for a doggy bag to take leftovers home.
■ Empty coins into a piggy bank.
■ Buy used, refurbished, or open-box electronics.
■ Use free and open-source software.
■ Watch free movies online instead of going to the theater.
■ Buy thoughtful, yet inexpensive gifts.
General
■ Replace disposables with reusables.
■ Sell items you don’t use.
■ Rent instead of buying, when possible.
■ Buy multipurpose items.
■ To save money in the long run, don’t skimp on quality.
■ Buy used items when you can.
■ Choose generic brands over name brands.
■ Shop around for deals, discounts, and coupons.
■ Use cashback cards, apps, and sites.
■ Clip coupons.
■ Avoid impulse buys.
■ Downgrade your subscriptions.
■ Downsize your orders.
■ Consider going without.
■ Learn DIY skills using free online resources.
■ Trade goods and services with friends and family.
■ Join local freecycling groups to donate/request useful items.
■ Look for free solutions (if feasible) to replace items and services you’re paying for.

You’re Richer Than You Think!

Track where your money goes. Pay yourself first. Make it automatic. With this simple three-step plan and the ideas mentioned in the cheat sheet above, you can turn your financial life around. If you need some tech-based help along the way, use these free sites and apps to reduce spending and save money.

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Discover New Videos With YouTube’s Explore Tab


YouTube has added a new Explore tab to its mobile app for Android and iOS. The Explore tab replaces the old Trending tab, and is designed to help you discover new videos to watch on YouTube. Trending lives on, but only as part of Explore.

YouTube Helps You Discover New Videos

YouTube now boasts billions of videos. Some of brilliant, some are terrible, and most are somewhere in between. The problem has always been sorting the wheat from the chaff. And as the number of videos grow, so that problem grows with it.

The company’s latest attempt to help you discover new videos worth watching is its new Explore tab. This replaces the Trending tab in the mobile app, and features multiple destination pages such as Music and Gaming, as well as other trending videos.

How to Use YouTube’s New Explore Tab

You’ll find the new Explore tab second from the left across the bottom of the mobile app. Clicking it will reveal the aforementioned destination pages such as News, Movies and Shows, and Fashion and Beauty. With YouTube planning to add more over time.

Under that will be a feed of videos YouTube recommends. This will include trending videos as well as “Creator on the Rise” and “Artist on the Rise” recommendations. Those last two being emerging content creators and emerging music artists, respectively.

Trending hasn’t disappeared altogether, it has just been moved inside Explore. Clicking Trending will still deliver a mix of videos showing what’s happening on YouTube and in the world as a whole. And the same videos are delivered to all users.

Download: YouTube on Android | iOS

Other Ways to Discover New YouTube Channels

As with everything YouTube does, the Explore tab is designed to keep you watching videos. And, to YouTube’s credit, it’s a useful addition to the app. And if the new Explore tab still leaves you wanting, here are some other ways to discover new YouTube channels.

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White House now says pilot of coronavirus screening site will roll out Monday for Bay Area


After President Trump announced that the government was working with Google to build a coronavirus screening site that was at the core of the administration testing process, Google quickly corrected this and said that it was actually Verily, Alphabet’s health division, that was working on this and that the site wasn’t ready for a nationwide rollout yet.

Today, Vice President Pence provided a bit more detail, tough he didn’t removes all of the confusion around this. A pilot of this screening site will launch for the Bay Area on Monday, March 16, he said, and direct people to local drive-through testing sites if necessary.

He reiterated that the government is working with Google on this (though my guess is that the VP, just like most people, isn’t all that clear on the complicated company structure that is Alphabet).

“I know Google issued a statement that they are planning to launch a website,” Pence said. “I think they gave a date of Monday, March 16th and we’re working literally around the clock and I know that our whole team is working on the public and private partnership. Couldn’t be more grateful to all at the hard-working people at Google who are helping to put this website together.” He added that the White House will have more to share about this tomorrow, Sunday, at 5pm ET.

Debbie Birx, the White House Coronavirus Response Coordinator, noted that this is not just a simple “checkbox website” but that it actually goes through “critical symptoms and that’s why we’re giving ourselves the weekend to get it put up.”

Separately, the White House also told us that the administration is indeed working with Google to develop this site and most of this lines up with the statement we received from Verily yesterday. Hopefully, we’ll know more details after tomorrow’s briefing.

Our earlier coverage:


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