104 Ways to Save Money

104 Ways to Save Money101. Split the Meal – Portion sizes are huge these days. When dining out, split a nicer meal with your significant other.

102. Buy Used from Craigslist – When you’re considering a purchase, first look at Craigslist to see if their is a lightly used version of the product you can purchase for a heavily discounted price.

103. Pay Less in Taxes Next Year – Shelter your money from taxes by putting it in a 401K or traditional IRA.

104. Get Excited About Saving – Find a passion for saving money. Not because you want to hoard all your cash, but because you want to use it for good. Think about how many lives you could change if you saved more of your money to give it away. Or think about how great your kids future could be if you saved more money for their education and general well being. And don’t forget about your own retirement. Enjoy watching your savings grow knowing that you won’t have to depend on someone else for your future.

What are some other ways to save money? List them in the comments below.

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Last Edited: April 20, 2013 @ 3:35 pm
About Philip Taylor

Philip Taylor, aka "PT", is a husband and father of two. 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.

21 comments
Josh Cohen
Josh Cohen

Thanks for writing this awesome post, it must have taken a while!

Much appreciated

Josh

koolhydratendieet
koolhydratendieet

Thanks for the list on saving money that's a good thing considering the bad economy.

Online Auto Insurance
Online Auto Insurance

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Vanessa
Vanessa

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.

Marlene Romero
Marlene Romero

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!

Ron
Ron

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.

Natalia
Natalia

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 :)

ralph
ralph

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

Hank
Hank

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.

Jules
Jules

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.

Hank Beaman
Hank Beaman

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......

Jason
Jason

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.

Dr Paul Dyer
Dr Paul Dyer

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

Jenese
Jenese

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

Rainy-Day Saver
Rainy-Day Saver

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.

FinancialBondage
FinancialBondage

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

Jeb
Jeb

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.

Tom
Tom

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!

Craig
Craig

What? Only 104 way? Juts kidding.

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

Suzanne
Suzanne

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!@AskCareOne
Suzanne
Social Media Specialist
CareOne Debt Relief Services

Money Smarts
Money Smarts

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