61. Avoid the Deal Websites – Don’t visit online shopping or deal sites unless you have a plan for buying something you need. Doing so will tempt fate.
62. Consider a Refinance on Your Loans – With interest rates at historic lows, you may be able to significantly lower your monthly payment and overall interest owed on a loan by refinancing at a low mortgage rate.
63. Get Social Savings – Use social media, Twitter, Facebook, email etc and follow, fan or subscribe to companies whose products you regularly purchase. You’ll get all sorts of deals and offers that way. You might be better off using a different account or setting up good filtering so you don’t get overwhelmed. – FiscalGeek
64. Use Only One Car – Get rid of the second car. Just trying to get by on one car may seem like a challenge, but it’s well worth it if you are a two-car family. How does at least $500 in insurance savings sound to you?
65. Skip the New Bottled Water – Don’t by bottled water to carry around. Simply refill a permanent container.
66. Grow Your Own Organic Veggies – Organics usually cost more than other veggies. Consider growing some of your own organic vegetables.
67. Don’t Believe the Price Tag – Realize that price tags are liars. Most locally based retailers are willing to negotiate and therefore their price tags are just the starting points. Even managers at large national retailers will occasionally be willing to negotiate. It all starts with your willingness to ask. – The Wisdom Journal
68. Mend Your Own Socks – Yes. Repair your own socks. You can make them last three or four times as long as they otherwise would, and it really adds up.
69. Switch to Bio Fuel – Using bio fuel for vehicles instead of Petrol / Diesel. It is environment friendly too.
70. Limit the Impulse Buys – Try to limit impulse purchases. A few small items can add up quickly, and a major purchase like a new car can haunt you for years. Have a plan. A marketer’s number one job is to separate you from your money. And there are a lot of good marketers out there. My rule is to never go shopping without a list or a clear idea of what you I am looking for. Otherwise, I’ll end up spending more than I had planned to spend. – Cash Money Life
71. Diversify Your Investments – Do not put all your eggs in one basket. Invest in stocks, mutual funds, bonds, real estate, etc.
72. Buy Store Brands – Most of these products come from the exact same factory as the “brand name” equivalent – and you can usually find this on the box – but they cost $1-$3 less.
73. Line Dry Your Clothes - Cut down on energy costs by drying your clothes on a clothesline. They have clotheslines for inside the home as well now.
74. Check Your Warranties and Ask for Free Repairs – If something breaks, don’t immediately run out to buy something new. Look to utilize any available warranties or free repair offers you can find. Some manufacturers are so proud of their products that they will repair them for free.
75. Raise Your Deductible – Raise your car insurance deductible to a higher level. One of the other quick ways to save money. This can cut your premiums by several dollars a month. Just make sure you have the cash saved to cover the deductible in case something happens. This is one of the 20 ways to a more affordable auto insurance policy. – The Dough Roller
76. Budget for Irregular Expenses – Set up a monthly line item in your savings account for bills that don’t come due every month. For example, car repairs. If you know that you will spend around $600 on car repairs every year, put $50 a month in savings so when the inevitable breakdown happens you don’t have to charge it on a credit card. In the meantime, draw interest rather than having to pay it to someone else because you didn’t plan in advance. Consider You Need a Budget for your budgeting needs.
77. Get the Kids Involved – Involve your children in the process of saving money. For each coupon they bring home, split the savings with them. For instance, if they give you a fifty cents coupon, give them twenty five cents into their savings account. Thus, saving both for the family and the children.
78. Car Pool – If you drive a car going to work, ask some office mates who could ride with you so that they can share for gas money.
79. Wait 2 Days – On purchases over $100, wait 2 days to think it over before you actually make the purchase.
80. Make a List, Baby – Before buying anything, or even heading to the store, make a list so that you won’t be tempted to buy something more.
About Philip Taylor
Hi, I'm Philip Taylor. I'm a husband, father, blogger, and entrepreneur. I love learning to do more with my money and sharing it all here with you. Join in on the conversation and start improving your financial life today. 