Get a library card
Sure, your iPad is convenient, but the library will let you read the new J.K. Rowling novel for free! You can also check out music and peruse magazines.
A steak at home costs a lot less than one out. The money you save can be used toward cooking classes!
Use restaurant specials
If you do go out, before you leave the house, find out what local restaurants have specials. Check the website for “happy hour” pricing, kids eat free, BOGO deals and more.
Don’t loan the IRS money
Don’t let the IRS take more money each check than they need. Change your exemption status and use the extra money to start a savings account.
Don’t leave your money in a regular savings account. Open a high-interest account. They’ll have more stringent rules, though, so make sure you can follow them.
Falling for tech myths
You don’t need brand-name cables or a 4G network. Research product claims before buying.
Don’t pay ATM fees
Try to take cash out of your bank’s ATM only to save on fees or ask for cash back on your debit card when you make a purchase.
Hit outlet stores or go online before you head to the mall. Keep your eye out for sales and tax-free days. For computers and other devices, check out certified refurbished models first. They’re often hundreds cheaper.
Ask for discounts
When you’re buying high-ticket items, ask them to knock something off the top. Also, contact your utility and service providers (cable, cell phone, electricity) regularly to find out what specials they have. Just know how it may affect your contract.
If you’re organized about your travel plans and can be flexible about when you leave, what hotel you use and more, you can save hundreds.
If a service provider won’t give you a deal, switch. New customers often get the best rates.
Don’t try too hard
Trying too hard to save can cost you. Free shipping may be offered because they build it into the cost. Use professional services for your taxes or who knows what you’ll miss. And don’t skip a checkup. Undiagnosed medical issues can be costly when it’s too late.