104 Ways to Save Money

Let’s save some money! Here are 104 ways to save money.

Why save money? Well, so you can afford your future. So you won’t have to rely on credit to get you by. So you can do some fun things. There are lots of reasons to do it.

Why 104? Because it’s double my other list, 52 Ways to Make Extra Money and I like a challenge. Okay, let’s get started with the savings…

Do you need more money in your pocket? Here are 104 easy ways to save extra money. Check it out and start saving today!

104 Ways to Save Money

1. Get a Piggy Bank – Put up a piggy bank at your home. This creates a visual reminder to capture those little handfuls of change you come home with. At the end of the year, you’ll have a nice little savings fund for a fun purchase, or even to fund a real savings account. Start saving quickly with your own Internet savings account from Aurora Bank.

2. Use Open Source Software – Utilize free, open-source software like OpenOffice (like MS Office) and Firefox Internet browser.

3. Get Cash Back for Your Online Purchases – Use a website like Ebates.com to shop online. They will give you a percentage back on the money you spend online at hundreds of popular stores. Combine that with one of the best cash back credit cards and you’ll really be saving money.

4. Use CFL Bulbs – Compact florescent lamps (CFLs) cost more on the front-end, but they will save you money and energy in the long-run.

5. Combine Coupons with Local Sales – Save up coupons and use them in conjunction with sales at local markets. You can end up with items either being free or at a greatly discounted price.

6. Drive Your Car Until it Dies – No car payments or big cash outlays. Lower car insurance. Plus, you get the satisfaction of knowing you used this depreciating asset to it’s fullest potential.

7. DIY Greeting Cards – Design and print your own greeting cards. You can design and print a greeting card for around .50/card, which is a good price compared to $3.99 cards.

8. Use Cash for Better Negotiations – Larger ticket items definitely benefit from you waving around cash. You’re able to negotiate great deals when they see you’re a serious buyer. My wife was able to knock $200 of her recent road bike purchase by showing the money and asking.

9. Consider the Reviews – Do your research before you buy an expensive item (or even a not so expensive item). Check reviews on Amazon (i.e. Amazon Kindle Reviews), look up reviews online, check a few forums, look up prices at different stores…you can easily save money and you might even find out the item you thought you wanted isn’t so great. – Free From Broke

10. Get Store Refunds – Paribus is a free service that can save you money on your online purchases even after you shop!  Paribus gets you money back after you buy something and it goes on sell.  You are guaranteed the difference and this service gets you the money back right from your inbox! Paribus also provides iOS and Android apps with a live feed of savings.

11. Consider a Movie Subscription Service – If you currently spend a lot of money on entertainment at the theater or at the movie rental store from month to month, consider saving time, gas, and money by subscribing to an online movie service like Netflix.

12. Clip Coupons – Find the best coupons in the Sunday paper every week for grocery and other household items.

13. Monthly Spending Review – Write down all the expenses you make in a month. Review the list and try to eliminate the unnecessary expenditures. Consider using a budgeting tool like You Need a Budget to take your review efforts to a new level.

14. Avoid Financing at All Costs – Delaying instant gratification by saving for purchases before buying will hone patience and aid in bringing wealth and piece of mind to all who are exercised thereby. This element of self-discipline may be one of the oldest, simplest, and most base elements of financial success… but regrettably, it has also become a lost art in our common culture. Avoid financing and save for things before you buy them. Period. – Debt Free Adventure

15. No Restaurant Challenge – Take a week out of the month, or better yet, a month out of the year and commit to dining inside your home only. No dining out. See how much you can save by following this.

16. Do Free Activities – This is one of my favorite ways to save money. Find free stuff to do. For example on Sunday mornings go to a big book store and read books in the store without having to pay for them.

17. Keep Larger Bills – Never break down your large bills. You’ll be less likely to spend it. Smaller bills get spent quicker.

18. No Second Thoughts – Only buy things that you really need. Avoid buying things that you have second thoughts about or aren’t sure you’ll need.

19. Dine Out for Special Occasions Only – Only dine out for special occasions. You could get a week’s worth of food at the grocery store for the same amount that you pay for a single dinner out for one person. When you do dine out, use a coupon from Restaurant.com.

20. Consider Quality – Buy things of high quality even if it costs a bit more up front. Look back at all of the things you skimped on over the years and ended up having to replace earlier than you expected. Suddenly that big sale or off-brand item doesn’t seem like such a good idea. This doesn’t mean everything that is more expensive is better, but use your smarts and know when to spend to find the best bang for your buck instead of looking for the absolute lowest price on something. “You get what you pay for” still holds true for many things. – Generation X Finance

Last Edited: April 26, 2016 @ 2:48 pm The content of ptmoney.com is for general information purposes only and does not constitute professional advice. Visitors to ptmoney.com should not act upon the content or information without first seeking appropriate professional advice. In accordance with the latest FTC guidelines, we declare that we have a financial relationship with every company mentioned on this site.
About Philip Taylor

Philip Taylor, aka "PT", is a CPA, financial writer, FinCon CEO, and husband and father of three. He created PT Money back in 2007 to share his thoughts on money and to meet others passionate about managing their finances. All the content on this blog is original, and created or edited by PT. Read more about Philip Taylor, and be sure to connect with him on Twitter, Facebook, or view the Philip Taylor+ Google profile.


  1. wow, great mega-post! Lots of great money saving ideas here!

  2. There are some great ideas here! I am going to make it my goal to try at least 10 by next month. Thank you for sharing!
    Social Media Specialist
    CareOne Debt Relief Services

  3. What? Only 104 way? Juts kidding.

    Great list of ideas. If I can’t implement a few of these then I’m not trying!

  4. I love simple ways to save money… I will be tearing through this list to find some that I’m not doing and haven’t even thought of!

  5. Good list my friend. I’m up for a dinner club if you are. Did you mention clothes at garage sales or thrift stores? I picked up 4-5 $90 Brooks Brothers dress shirts at an estate sale for $1.50 each not too long ago. They looked like they had never been worn. I do stuff like that all the time! I rarely ever buy new clothes.

  6. FinancialBondage says:

    good tips. I have done some of them. others I need to work on.

  7. Number 39 is my go-to way tip for spending less. I keep $20 or less in my wallet most of the time. So it’s a good thing I have excellent debit/credit card control, too.

  8. Use cash back websites like Bing, FatWallet, AAfter Search and ShopAtHome, while shopping online. They also provide sign up bonus.

  9. This is an absolutely awesome list! Simple and practical. I’m going to start doing some of these things today. Thanks for sharing!

  10. Wow, PT! This is a great resource for people. You definitley had the creative juices flowing here. I’ll definitely refer people to this article as the need to save comes up in Money Map coaching meetings. Hope you are well. Let’s get together soon.

  11. Hank Beaman says:

    I like this, but, please, if you haven’t heard of or implemented half of these just by waking up….you are a moron……no wonder the USA is becoming so dependant on mother government…again, these ARE good ideas but……

  12. Great list!

    I would also recommend for numero uno – the piggybank – to more frequently deposit the contents of the piggy then every year. Do it weekly or monthly into your regular savings account will encourage greater deposits into the the piggy. And each of the little deposits will add up and should slowlly help boost up your interest earnings.

  13. This is a great list! I also like #1 the best. It has worked for my wife and me. I even have a little label that I put on the piggybank with a savings goal on it….like Hawaiian Vacation.

  14. Better checkout #64!! My car insurance is $14.00/mo MORE expensive if I take of my truck off of my policy!!

  15. Natalia says:

    What a fantastic list of ways to save! This is something that can be made into a screensaver or desktop pic LOL Lots of ideas that you might otherwise just forget 🙂

  16. This is actually is very good list of money saving tips, most are helpful and to be honest are not very helpful, here are some of my favorites:

    14. Avoid Financing – This means only buy what you can pay for today, many people want a product right away, these are impulse items and really do not add to your overall quality of life.
    23. Don’t Pay for Your Kids- I did this for years by only going to restaurants with free meals for kids.
    39. Be Purposely Low in Cash- Only spend the money you have in your pocket.
    44. Cut the cable- This applies to phone/internet etc., these services are optional and nice to have but they cost a lot of money, my cable bill is about $60 per month ( I like TV) but my phone/internet bill is about $300 per month ( I know that is a crazy amount but I have many options and family phones which drive up the cost).
    45. Pay Yourself First – This may be the most important thing you do in your life, really make an effort to to this, later in life you will thank yourself.

  17. Marlene Romero says:

    Like these tips very much! Will be applying some to my every day life since we use some to begin with like eating in daily and cooking at home mostly and we go out less but one thing I refuse to sacrifice on and it’s not taking a vacation on a yearly basis so we go out less and spend less regularly. Works for us. And when we do put it on a credit card I make it a point of paying it off in three or four intervals so to avoid excessive fees BUT it would be nice not put anything on a credit card at all, admitedly! Overall, great tips and will be applying them for sure!

  18. Lots of great ideas!

    Not to sound like an evironmental nut, but #69 isnt as good as one would think!. Biofuel actually requires more crude oil products for production than what is actually produced as biofuel. Also with biofuel like ethanol (made from corn) it actually increases the cost of food.

  19. Thanks for writing this awesome post, it must have taken a while!
    Much appreciated

  20. ssvanburen29 says:

    Great list! Unfortunately, Hulu is not free. but it is cheaper!

  21. SleeplessinChicago says:

    After being laid off recently, I have been looking for tips on saving money and found this list to be the most comprehensive I have seen so far. It contains practically all aspects of existence and I will make an effort to incorporate more of these ideas into my lifestyle. Bottom line is that to have more money one needs to either make more or save more money. With the state of the current economy, the 1st option becomes next to impossible to achieve; therefore, saving money becomes so important. My husband and I practice many of the suggestions from the list: for example, eating in, making our own coffee, eliminating cable TV and telephone land line. The next items to incorporate into our living will be controlling the spending habits and utilizing “Need” vs. “Want” and waiting tactics for purchases over $100. Bravo on the list!

  22. SleeplessinChicago I’m glad it was a hit with you, Sleepless.

  23. xowivyhid says:

    and here’s 10 more extra ways to save money:

    1) drop the smart phone and get a “dumb” one. Save about $50 per month. Get a low-priced tablet (e.g., Kindle Fire) or use your old iPhone as a wi-fi only device. Wi-fi is available everywhere; you really don’t need to pay for cell-based data plans
    2) call your car and home insurance company and tell them you want to go through all your coverage because you found another carrier that is cheaper. They’ll probably help you “find” 10% off or more.
    3) speaking of car insurance – An expensive policy from GEICO, Progressive, etc. is not needed. You can find one usually for less than $25/month from Insurance Panda. If you spend too much on car insurance from one of those big companies, chances are you are simply funding their expensive TV ads with cute animals.
    4) compare what your house is really worth to your assessment. Many assessments have never been properly adjusted down to reflect the market over the last 4 years. We cut our property taxes by about 20%.
    5) re-fi your 30-year mortgage to a 15. The interest rate will drop by at least 50-75 bps, more depending on your current rate. The payment may go up slightly, but it is because you are paying off your loan faster. If it’s possible, get the mortgage paid off before the kids go to college. At a minimum, have it paid off before you retire. if you buy life insurance (which you should), don’t overpay. you can get $15 policies from places like Life Ant or gnworth.
    6) review your credit card bills for all the things you are paying $10-20 per month for that you no longer need. I bet everybody has at least a couple
    7) drop all magazine (paper and on-line) subscriptions. If you look around, you can find comparable content for free.
    8) review your investment portfolio for ways to replace higher fee mutual funds or ETFs with lower fee ones. S&P500 funds/ETFs shouldn’t charge more than 0.10% in fees. Fees may be higher for specialty funds, but they are all coming down fast. If your company 401K uses high-fee funds, talk to the folks in charge. A difference of 25 bps in fees will mean a difference of about 5% in your portfolio value after 25 or 30 years.
    9) and of course the most impactful — never carry a balance on a credit card. If you can’t resist, cut up the cards.
    10) save, save, save!