100 simple tips to save money every day

Saving some of your earnings each month is a healthy habit everyone should try to achieve; in fact, learning to save and invest is the first step towards financial independence. Discover 100 simple tips to save money every day!

Even though there are methods and even challenges you can take on to start saving aggressively, you can also embark on a more passive way that requires less sacrifice, which involves a more conscious consumption of goods and services.

The way each person spends their money is a true reflection of what they consider essential in their life and their mindset and emotions about money.

A person who is always aware of their money buys or pays each month will have an easier time making the cuts where there's excess.

If you struggle or feel unsure about where to start saving, I list 100 tips by category.

Create a budget

1) Without a budget, your money will leave like water down the drain, write in a notebook all your fixed expenses, and additional money for other random expenses; budgeting is the first shield against mindless consumption. You can get something nicer like this budgeting notebook to track all your expenses.

2) Set a saving goal, ideally start with a short-term fixed amount. Why? Because you will have higher chances of success, to keep saving from a positive first experience.

3) Make sure a fixed amount of money is saved each month; nowadays, you can automatize this process.

4) Start saving small amounts; think of $10 or $50 each week; at first, the amount isn't as important as creating a new habit.

5) Don't save for the sake of it, have a goal in mind and name it; some popular examples save to pay off my student loan or save for my next overseas trip.

6) Use a saving method that works for you. I recommend trying a popular way and stick to it for a month to see if it's suitable for your lifestyle.

7) Pay with cash. Even though credit cards do offer some benefits such as improved credit score, cashback, or miles when you want to save is better to pay with cash as credit cards give the false sensation of never losing money.

8) Always have a shopping list with you, not only for groceries, to avoid buying things you don't need. Create a list with the most important items first; this will organize your shopping priorities.

9) Saving money shouldn't feel like torture, and to avoid temptations, set a small amount of money each month to buy whatever you please. Then, if you don't spend it, add it to your next month, so you have more cash and so on.

Make more money

10) Stop hoarding stuff and try to sell those items. Owning more doesn't make you richer or fulfilled in life. So instead, sell all those items you no longer use.

11) Create new ways to earn cash; better than saving is making more money; you can start by selling stuff you don't need, work extra hours, or work extra hours, for example.

12) Search for the best deal, don't buy the first thing that you see, always check on different retailers to find the best deal possible, or wait for special events like Amazon Prime Day or Black Friday for any expensive item.

13) Rent a room in your home on places like Airbnb.

14) Share a car or a ride with others to cut down transportation expenses.

15) Check your bank accounts and find precisely what expenses they make; sometimes, by just using an ATM, they will charge you a lot. Also, ask your bank about the search for zero maintenance fee accounts.

Create a saving challenge

16) Challenge yourself to spend on bare necessities for a month.

17) If you find it too hard, do it during the weekends.

18) Pick an item you always impulse buy; this will allow you to save all that extra cash.

19) Wait on your purchases; if not buying something stresses you out, set a time limit, usually 48 hours work, you will eventually realize that whatever you wanted wasn't as important or urgent as you thought.

20) Stay away from any place that triggers your spending habits; this includes deleting e-retailers from your marked websites and avoids shopping malls as entertainment.

21) Limit your time on social media as we always see better lifestyles that are naturally attractive, and by copying it, you will waste money.

22) Cut down your cellphone data plan, especially if you never fully use it each month.

Save money on purchases

23) Don't shop in season; buy a month before or after any memorable holiday to find the best deals; this also works for seasonal clothes. For example, never buy a sweater in winter. Instead, buy it in summer and save a lot of money.

24) If you want to buy something you need, search for promo codes, deals, or special discount dates.

25) Always compare prices and never shop at the first store you visit.

26) Never shop under stress, as it will lead to bad decisions.

27) Pay in full; avoid partial payments as interest rates will end up costing you more.

28) If you choose to pay with your credit card for the extra benefits, always pay in full.

29) Buy online, stores like Amazon have an incredible product selection, and it saves you the time and stress of shopping in person.

Save money on food

30) Create a weekly menu and buy your groceries with a list; this way, you won't buy the stuff you don't even need.

31) Don't go to the supermarket for one or two items; try to go once a week and buy all you need. If you miss something, wait for the next trip unless it is an emergency.

32) Avoid fast food, take out, and restaurants.

33) Eat less processed foods; they cost more long-term as many aren't healthy.

34) Create a budget for what you eat in and outside of your house.

35) Search online for the cheapest supermarket in your area.

36) If you have to eat at work, make sure to meal prep and bring your food, saving a lot of money.

37) Freeze any leftover for any other day you don't feel like cooking.

38) Eat less meat and more produce; some legumes are an incredible vegetal protein source at a fraction of red meat or poultry price.

39) If you have a large family, bulk buy items with an extended expiration date, such as pasta, rice, canned goods, frozen products, or spices.

Save money on hobbies

40) Check out your local library for free books and even movies.

41) Download free e-books online.

42) Go to the movies when there are discounts or using online deals.

43) Search online for free events in your city, such as art exhibitions, concerts, or other outdoor activities.

44) Go for a walk in a park or nature reserve near your home.

45) If you enjoy drinking at a bar with your friends, always go during happy hour.

46) Switch cable tv for Netflix, say goodbye to both of them, and find free entertainment on Youtube.

47) Plan trips during off-seasons, like visiting Disney Orlando in January-February instead of July-August.

48) Create potlucks with your friends when you gather, so everybody brings something to the party.

49) Create a new source of income with your hobbies, such as selling your handcrafted items or giving music lessons.


50) Stay away from people who motivate you to spend money, don't cut them off your life significantly, but when you get together, do something else like watch a movie or go for a walk instead of visiting a shopping mall.

51) Talk to your family about the importance of saving money and the goals you want to achieve.

52) Tell your close ones about your saving goals; they will help keep you accountable.

53) Spend more time with your children instead of buying more toys or video games.

54) If you have children and plan to go out with them, be clear about what you will do; when you prepare your kid, they will understand better how to behave.

55) Have a no-spend date like watching the stars, have a glass of wine at home, and chill watching a romantic movie are perfect date ideas.


56) Do your manicure and pedicure at home; you can buy manicure sets on Amazon and save a lot of money over time.

57) Create a spa at home with natural products.

58) Natural products can be found in your pantry or fridge, like coffee or sugar as a body scrub or avocado hair mask; simply Google the alternative, and you'll most likely find something.

59) A tub of coconut oil has so many uses, to cook your food but also body lotion, shaving cream, makeup remover, and even hair treatment.

60) Check out drugstore brands such as Neutrogena or Nivea.


61) Buy only what you need and use it in full until it needs replacement.

62) Swap used books, clothes, video games, tools, etc., with friends and family. This way, you don't spend more money.

63) Buy the highest quality you can afford; such products have a greater chance of lasting longer.

64) Have the least amount of appliances and items at home; pick multipurpose items to save space and money.

65) Create a capsule wardrobe with pieces that combine to customize it with your favorite colors and style.

66) Keep your house tidy and clean; this way, you won't lose anything and won't have to pay anyone for a cleaning service.

67) If you are by yourself, rent a smaller placer to save money.

68) Try to fix things before buying a replacement.

69) Think that what you own doesn't define you.


70) Don't buy single-purpose cleaners; instead, buy a multipurpose or create your cleaners with water, alcohol, white vinegar, and some essential oils. You can find many recipes on Pinterest.

71) Take care of your electronics and appliances before they break down.

72) Fabric softeners aren't necessary, choose a better soap or use white vinegar.


73) Download Google Drive instead of paying for a storage solution.

74) Buy technology according to your needs. For example, do you require a gaming pc with the latest graphics card to navigate the internet?


75) Pay off your taxes in full to avoid compound interest; in some cases paying before the due date can bring some benefits like discounts.


76) Get a good life, car, and property insurances; when an emergency arrives, you won't have to break the bank.


77) Pay off small debts first and use the saved money to pay more significant debts.

78) Or pay off the most considerable debt first to eliminate the interest compound.

79) Try to lower your interest by refinancing your debts.

Learn more about money

80) Read books about personal finance.

81) Listen to people who know how to budget; YouTube has many great channels.

82) Talk to your bank and ask about the best saving accounts, the highest interest on your money.

83) Automatize your fixed expenses payments to be discounted from your savings account.

84) Join Facebook groups about money-saving to find motivation and share your story.

New habits

85) Have a clear mindset about what is a need vs. a want.

86) Meditate about what makes you happy.

87) Be more healthy and exercise more, as you will save money on medical treatments by keeping your body in good shape.

88) Turn off the tv, reduce your exposure to ads.

89) Always check your budget.

90) Write down what you want to do with your money; having a clear goal helps along the way.

91) Get together with your friends at someone's house instead of going out.

92) Each weekend, plan your expenses for the upcoming week.

93) Use a piggy bank to save all the loose coins.

94) Don't compare yourself to others; because someone has more stuff doesn't mean they are happier.

95) Check your services bills before paying them.

96) Keep your bills in a tidy manner in a visible area, so you don't forget about them.

97) Say goodbye to any bad habit such as smoking, drinking alcohol, or gambling.

98) Think positively about money.

99) Before buying anything, ask yourself if you need it and if you already have something similar at home.

100) Think positively about money; you can be part of the abundance in the world.

Follow my Pinterest


This post contains an affiliate link(s). As an affiliate, I may earn a small advertising /referral fee if you purchase through my link, without any extra cost to you, and it helps keep this little blog afloat. Thanks so much for your support!