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100 Ways To Save Money AND Spend Less

I've lived in Flagstaff, AZ, since 2003, where I'm an active member of the Coconino County Sheriff's Search & Rescue team and an avid hiker.

Tips For Frugal Living -- Budgeting And Trimming The Fat

Yes, I know, there are a gazillion web pages about how to save money ... and here's one more.

Budgeting and saving have always been important to me, and I was taught to do so from an early age. And that's led to a fairly comfortable though frugal lifestyle, while still being able to take some nice vacations and splurge a bit now and again.

I believe this is something anyone can achieve, and, to me, keeping a budget (and living just a little below our means) is a big part of the equation. Looking at ways to cut down on expenses is also really important, so I thought I'd put together my own list of suggestions. And there's also a place for you to add yours below.


Quick disclaimer: I want to acknowledge that some folks are faced with the loss of a job, a serious accident or medical illness, for example, that makes saving impossible. Quite the opposite! So when I say that it's something anyone can achieve, I mean barring major financially catastrophic events which often can't be foreseen. That being said....


Money-Saving Ideas

From pinching pennies to saving thousands of dollars....

Here are a bunch of suggestions to consider in the "spend less" category. Many -- or even most -- of them may fall into the "duh!" and "that's old news" categories too, but it doesn't hurt to review once in a while, to see where you (or, speaking for myself, I) can do better.

So in no particular order, here's my brainstorm of ideas ranging from big to very, very small, some with links to more information:


1. Buy in bulk (as long as you know you'll use it all). That doesn't mean you have to go to Sam's Club or Costco. Even at your regular grocery store, both edible and non-edible goods are often cheaper per unit when you buy bigger packages. This might include toilet paper, rice, beans, pasta, garbage bags, etc. Here's an article from US News about the best items to always buy in bulk.

2. Re-use plastic grocery bags for wastebasket trash bags, lunch bags for work, or even doggie poopie pick-up bags. (Just check for holes for the latter!)

3. Cut down on processed foods and cook from scratch. Crock pots are a great way to cook with little effort, not to mention while you're asleep. And the meals can last for a few days.

4. Eat in more and out less. Eating out less can save a LOT. If you're going out twice a week, cut down to once. If once a week, try for every other week.

5. When you do eat out, consider places where you can order and pick up at the counter. This can save on tips. (Although leaving a little something in the tip jar is a good thing, if the service is good that is.)

6. Take advantage of happy hours and two-for-one deals. At one local shop, we can get two smoothies for the price of one between 4 and 6pm. (Better yet, we save even more when we make them at home in our blender.)

7. Turn off lights when you leave the room.

8. Turn off strip-switches when electronics aren't in use. Turn off DVD and CD players, for example.

9. Shut down the computer when it's not in use.

10. Use compact fluorescent bulbs, not incandescent.

11. Turn down the thermostat at least a few degrees and wear fleece, down booties, etc. Put an extra blanket on the bed. Maybe try fleece or flannel sheets, also. According to the Alliance To Save Engergy, for every degree you lower your thermostat, you can subtract 5% from your bill. I read that an Energy Star programmable Thermostat will save more than twice its price in a year as it adjusts the temperature for you when you're away or asleep.

12. Pay bills online to save postage and checks, not to mention avoid late fees.

13. Bike and walk instead of drive. It's good for you, too!

14. Grow a vegetable garden (or even just mix in veggies with your landscaping). Container gardening is another possibility. At one time, we were spending less than $200 per month on groceries while growing much of our own food.

15. Buy store or no-name brands (unless the name brand is less with a coupon or store special).

16. Use washable rags instead of paper towels. You can make rags out of old clothes instead of throwing them away.

17. Use cloth napkins instead of disposable paper napkins.

18. Stay at campgrounds instead of hotels. (To me, it's more fun anyway.) Looking for free campgrounds and RV parks? Check outFreeCamping.net.

19. Pay off credit cards at the end of each month, but get the cash rewards. (We make several hundred dollars a year this way, and we use our cards only for things we'd buy anyway, such as gas and groceries.)

20. Shop with a list and make lists by recipe. Don't impulse buy. (This applies to things other than groceries, too.)

21. Rent or stream (Netflix, Hulu, Amazon Prime) movies instead of going to the theater. But if you do go to the movie theater, go to the less expensive matinees.

22. Sign up for paperless bill statements. Some companies give you a small discount each month for doing so. The same also sometimes applies to auto-withdrawals. We saved $5/month on our cable internet bill by having the company charge the bill to our credit card each month and send an email invoice.

23. Cut out soda pop. Even diet soda. It's just not good for you. (And I actually lost weight when I cut out Diet Coke.)

24. Make coffee at home. Those stops at the coffeeshop or drive-through coffee places can really add up.

25. Bundle services (ie. long-distance phone, cellphone, satellite TV, internet). Some companies give you a bulk discount for doing so.

26. Sign up for cell phone family plans. Compare family plans by various cell companies at MyRatePlan.com.

27. Go the speed limit. Speeding wastes gas, so I'm told.

28. Accelerate evenly, don't take off like a bat outa Hades. Also saves gas, I hear.

29. Do your own oil changes. Learn how on About.com in this step-by-step article.

30. Clean and detail your vehicle yourself (or bribe your kids).

31. Look for free festivals, free days at local museums, free tours. I find out about these in our local paper online, on fliers around town, and on our city's website.

32. Take up hiking and walking. It's a pastime that's fun, good for you, and pretty much free.

33. Cross-country ski and snowshoe instead of paying to downhill ski or snowboard. (I know, some folks would say that's blasphemy.)

34. Shop at second-hand stores for more than just clothing. Sometimes, the stuff is actually new.

35. Trade/barter on Craigslist.org, for one. (Look for your state, city and then the bartering section. There's also a free section, and you can post what you're looking for, not just what you have.)

36. Check out Freecycle.org for free stuff in your area.

37. Don't buy expensive shampoos and conditioners. Personally, I find Suave is just fine for my sensitive, curly hair. Costs less than $2 each compared to some fancier brands that are $5 or more per bottle.

38. Use the back of waste paper for note-taking before discarding.

39. Refill ink cartridges rather than buying new. I get mine refilled at the local Walgreens drugstore.

40. Read the news online instead of getting the paper.

41. Sew and patch clothing. Sometimes you have to downgrade it to pajamas or work clothes, but might as well make the stuff last.

42. Wash clothing inside-out to make it wear longer. (This one comes from my husband, who swears it makes a difference.)

43. Compare gas prices in your area. There are websites where you can check, including GasBuddy.com.

44. Plan your errands for the shortest, most direct route. Don't backtrack from one place to another. Another gas saver.

45. Unplug battery chargers and electronics that operate by remote when not in use, because they still draw power when they're off. You can also buy a device that will do this for you, such as a Smart Strip Energy Saving Power Strip, which will stop drawing electricity when the gadgets are off and pay for itself within a few months.

46. Use low-flow shower heads.

47. Take shorter showers. (I know, this is a tough one.) Or maybe turn the water off while shampooing or soaping up.

48. Use a clothesline in nice weather instead of the dryer.

49. Don't buy bottled water. Filter from your sink if necessary.

50. Reuse gift bags and decorative tissue paper from gifts you receive.

ideas-save-money-spend-less

More Ideas To Keep More Of Your Hard-Earned Money

....in your bank account, your wallet and maybe even your mattress

51. Take off your shoes and save on (or avoid) carpet cleaning.

52. Pull shades and close blinds at night to help keep in the heat.

53. Pay auto insurance (usually six months' worth) in one lump sum if at all possible. Don't pay the fees usually associated with spread out, monthly payments.

54. Buy used vehicles, not new. This can save many thousands of dollars, which is a no-brainer, I know. You may get a much better deal on the used vehicle you want by buying from a private individual instead of a dealership. Just be sure to have the vehicle checked beforehand.

55. Have your teeth cleaned at a college or university with a dental program. Sometimes this is even free.

56. Get your hair cut at a beauty school. Sometimes this is also free.

57. Cut out lotions and perfumes and any other unnecessary toiletries.

58. Xeriscape to save water, maintenance and time. Read more about xeriscaping on WikiHow.

59. Wash dishes only when the dishwasher is full. Or wash in the sink and use a drying rack.

60. Adjust the clothes washer water level to suit size of the load. Better yet, don't do laundry until the washer is full.

61. Use the public library instead of buying books and magazines. You can usually get movies at the library, too. And some libraries have a sales area, where books and magazines cost less than a dollar.

62. Cut out cable or satellite TV. (I know, for some folks this is impossible.) Or at least consider dropping premium channels and movie channel packages. You can watch many shows for free on your computer, by using Hulu. You can hook your computer up to your TV monitor (some do this wirelessly) and watch through your TV without paying Hulu for a premium package if you don't want it. (But that package is less than satellite or cable TV, anyway.)

63. Use just a cell phone instead of a cell phone and land line. Consider calling over the internet for free, with a service like Skype.

64. Maybe look for a property caretaking or housesitting arrangement (or job) to save on rent/mortgage payments and even earn extra money (or a full salary) in some cases. We did this for years and saved LOTS. For more information, see my article, Property Caretaking: How To Get The Job And Make The Most Of It.

65. If renting, especially from a private landlord and not an apartment complex, see if there's any work you can do around the place to save some rent. When we once rented part of a private home, we did lawn care and house cleaning and saved a couple hundred dollars a month.

66. Pay a little more on your mortgage each month and potentially save thousands over the life of the loan. Your lender can calculate this for you if you're considering making that monthly extra a consistent amount. Or make one extra payment per year.

67. Consider volunteering. How can this SAVE you money? Well, sometimes there are perks for certain volunteer efforts besides the personal satisfaction. I'm making a real general statement here, but I know of some volunteers who receive free admission to certain places and others who get meals. Just a thought.

68. Go to a community college for the first year or two to take some of the basic courses and make sure you know what you want to major in. If then transferring, go to an in-state university. This can save many thousands of dollars--perhaps tens of thousands--as opposed to four years of university and/or going out of state.

69. Consolidate your debts. Here's some information on WikiHow: How to Choose a Debt Management Program.

70. If going to places--especially food vendors--that charge a fee for using a credit card, take enough cash instead. A quarter here, 50 cents there can add up. You can keep that spare cash in part of your wallet or purse you don't open that often, so you're less inclined to spend it spontaneously and have to use only when needed.

71. Keep your checkbook register balanced, so you always know how much you've got in there and therefore won't bounce checks. Those fees are expensive!

72. Avoid using out-of-network ATM's. Plan ahead to avoid the fees.

73. Make sure you leave enough in your bank account to avoid possible fees for falling below an average monthly balance. If necessary, put that amount in the account but don't record it in the register, to pretend it isn't there. Or, rather, use no minimum balance, no fee accounts.

74. Insulate your water heater. If made before 2004, it's probably not insulated well enough, so wrap it in an insulating jacket. You'll save 10% per year on your water-heating bill.

75. Test your toilet for leaks by putting a drop of food coloring in the tank. If the color appears in the bowl, your tank is leaking, which could mean you're wasting as much as 200 gallons of water each day.

76. Consider turning down your water heater. 120 degrees Fahrenheit is plenty.

77. Check weather-stripping around windows and doors to make sure it's in good condition, or add it if it's not there already.

78. Wash your laundry in cold water instead of hot and reduce the energy use by 50%.

79. Set your dryer to the moisture sensor instead of the timer. This can decrease your energy use by 15%.

80. Bring a bag lunch to work. Don't go out or order in.

81. If available, use community gyms rather than the pricier fitness centers. And/or take up cheaper or free forms of exercise, like running, walking or cycling. There are often local groups that get together to do these things socially, if you prefer company.

82. Carpool for work or for play.

83. Consolidate your auto insurance and homeowners or renter's insurance with the same company, which usually means a good discount. And if your insurance company is going to raise your rates, shop around. And let them know you're shopping around, because that can stop the increase right there. It's happened to us.

84. When traveling, try to do so in the off-season, and also look into bundling your airfare with a rental car and/or lodging. This can save hundreds of dollars compared to purchasing these services separately.

85. Consider raising your auto insurance deductible to save on premiums. Think about how much your car is worth versus how much coverage you have.

86. Pass up a really good deal if you don't really need it. Just because something is selling at half-price or a buy-two-get-one-free deal, really consider whether or not it's something you need.

87. Use mail order prescription programs. I've found that I can get a 3-month supply for a single month's copay. Walgreens has this program. So does AARP, to name just a couple.

88. Request generic medications instead of name brand. If you don't ask for it, sometimes you don't get it. Make sure your doctor indicates that the generic substitute is okay on the prescription.

89. Make sure your tires are properly inflated. This makes for more efficient gas consumption.

90. Instead of buying gifts, consider making or doing things for people. This might include cleaning their home or car, doing some yard work or home improvement project. You might cook them a nice meal or bake them some goodies. You can give homemade gift coupons for things you'll do for someone rather than things you'll buy. The ideas are endless.

91. Have a friend who wears the same size clothing and/or shoes? Maybe do a clothing exchange once in a while instead of buying new stuff.

92. Use a drip system to water outdoor plants instead of a hose or sprinkler. And water early in the day or in the evening to avoid excessive evaporation. Install a timing system if necessary.

93. Try and try again to give up expensive habits, like smoking or drinking alcohol. Or at least cut back a certain amount per week or month. It's a start!

94. Swap babysitting and pet-sitting with your friends or those referred by your friends.

95. Lose weight if necessary and get fit. This will not only improve your health and probably your self-esteem but can cut down on trips to the doctor and medications as well, which equals cost-cutting. It might even cut your health insurance premiums.

96. If you do carry a balance on your credit cards, call your credit card company and request a lower rate. If you don't get what you ask for, shop around for a different card.

97. Swap books, CDs, DVDs and games with friends. That means fresh stuff for everyone without having to buy anything.

98. If you don't have a forced air system, shut vents in unused or rarely used rooms.

99. Keep a budget! If you have to record your expenses, you're probably less likely to spend unnecessarily and to keep track of where you can save.

100. Get organized! Being able to see what you have and get to it (ie. food, clothing, etc.) means you don't go out and buy something you've already got or let things go bad (especially food).

Spend a Little to Save a Lot

You can buy this book used and spend even less.

Author Ellie Kay’s practical advice will show you:

  • How one phone call could save you $500 a year or more
  • How your kids can get a great education without breaking the bank
  • Three ways your water heater can save you money
  • Why giving away money is one of the best ways to save it
  • How to save up to 50% on your online purchases

Plus hundreds of other tips that will loosen your budget without sacrificing your lifestyle.

Create a budget

Create a budget

Keeping Track Of The Money That Comes In And The Money That Goes Out

How I Budget

I've been a dedicated budget-keeper for many years, which has helped me save a good amount despite my modest income.

Seeing where your money comes from and where it goes, and how much in any particular category, is a real eye-opener and, in my opinion, the only way to properly and effectively manage your finances. It's also a great way to remember to "pay yourself first," as the saying goes -- to designate a certain portion of your income that goes directly to your savings account each week or each month before you spend a dime of it.

Budgeting can certainly be done on paper with a ledger book, but doing so with a computer program is much easier once you get the hang of it. It also allows you to view reports and graphs to more easily get the big picture and also to plan ahead and "play" with the numbers.

A computer budget program will also allow you to reallocate funds from one category to another, if, for example, you find you spent less than anticipated in one category but need or want to spend more in another for the month.

Me, I use Microsoft Money, which I really like. But the program is no longer available for purchase. For that reason, I recommend (and have also used) Quicken It's very user friendly and an excellent tool, with many budget groups and categories to choose from, and you can also make up your own.

These are some of the budget groups and categories you might use:

INCOME

**Some of these categories may be zero, but you might create them in case you realize some income in those areas, such as gifts, refunds and commissions for example.

  • Net Salary (spouse) **after taxes and other paycheck deductions
  • Net Salary (me) **after taxes and other paycheck deductions
  • Bank Interest
  • Dividends
  • Gifts
  • Credit Card Rewards
  • Online Income
  • Refunds/Rebates
  • Commissions

EXPENSES

Home

  • Mortgage (or Rent)
  • Maintenance and Repair
  • Lawn care
  • Cleaning Service
  • Groceries

Bills

  • Cable/Satellite TV
  • Internet
  • Telephone (Cell phone only)
  • Water/Trash/Sewer
  • Natural Gas
  • Electricity

Insurance

  • Auto
  • Medical
  • Home Owners
  • Life

Auto Expenses

  • Payments
  • Gasoline
  • Maintenance
  • Repair
  • Annual Registration
  • Auto Club (AAA)

Other Expenses

  • Dining Out
  • Clothing
  • Entertainment
  • Travel
  • Fitness Club Dues
  • Accountant Fees
  • Property Taxes
  • State Income Tax (last year)
  • Federal Income Tax (last year)
  • Estimated Quarterly Taxes
  • Pet Supplies
  • Veterinarian
  • Online accounts (ie. hosting service, domain names)

This content is accurate and true to the best of the author’s knowledge and is not meant to substitute for formal and individualized advice from a qualified professional.

© 2009 Deb Kingsbury

Comments About These Money-Saving Ideas? Can You Add #101?

Rebecca Graf from Wisconsin on October 04, 2017:

Good tips. I do many of these. I found that when I use mostly hurricane lamps and candles, my electric bill is way less.

Rebecca Long from somewhere in the appalachian foothills on March 22, 2017:

Wow! This is quite an exhaustive list. Some of these I knew, but some I will have to try out.

SilverLotus1 on July 22, 2014:

lots of great tips, many of which are common sense. good job!

Amine from Doha, Qatar on February 19, 2014:

Some great tips here, too many to take at once but i gotta bookmark it so i can come back everyday and see if im missing something i hadnt done, thank you very much you rock !!!

ePrintPostage on October 27, 2013:

Love the lens, thanks for sharing. If your a business owner one way to save money and spend less is by using an online postage service.

FirstClassDenta on October 13, 2013:

#55 alternative. Opt for a dental savings plan instead of traditional insurance, there's significant discounts.

KimmyBurgess on September 30, 2013:

Great work I must say. You have added some of the great tips that you have mentioned here in this article. These tips can be helpful for the readers groups including students, business people etc.

anonymous on September 01, 2013:

Great collection of tips. Well done.

AmyTK9 on August 13, 2013:

Thanks for sharing these great tips! I've added your link to my own Saving Money Lens.

LauraCarExpert on July 08, 2013:

Wow what a list! You covered everything.

Leiping on July 07, 2013:

I'm always on the lookout for more money saving tips so good job on writing this list.

On a side note regarding dumpster diving, in some places this is illegal so check to make sure before you do such a thing.

blessedmomto7 on June 10, 2013:

Great ideas. I already use many of them, but you gave me some more great saving tips.

mariacarbonara on May 26, 2013:

This is actually really useful for me and have got lots of ideas from this, especially as im so disorganised with my finances. Will use this to try and improve. Thanks!

anonymous on April 30, 2013:

Good ideas!

I can add one more - the use of mobile apps for automatic savings. It can not think about the spendings, and at the end of the month to find a nice amount on Savings account!

mstcourtjester on April 15, 2013:

Great tips and ideas!

One more to add is be your own banker!

Borrow from yourself and pay the interest back to your self!

AWESOME lens, keep up the good work!

ChristyZ on April 08, 2013:

This list of tips is amazing. I'm always looking for ways to save money. I've never hear of FreeCyle.org...I just checked out the site and sure enough there are plenty of people in my area giving away free stuff! Awesome lens!

Edith Rose from Canada on March 22, 2013:

Very good tips. Definitely going to show this to my step daughter and her husband.

jeremybritain on March 20, 2013:

As long as I can afford to keep 2 cars on the road, I can do without the rest. Thanks for the hints!

Aja103654 on March 18, 2013:

I learned a lot from this lens! thank you!

EmergencyPrepar on March 09, 2013:

I consider coupons free money too. Of course I only cut the ones that I actually use. I like using them when our store has buy 1 get 1 free.

poldepc lm on February 14, 2013:

saving money is one way of gaining money...thanks for sharing this lens

anonymous on January 19, 2013:

Brilliant tips, and advice. How do you get those modules with the green boxes?

Anonymous from Stellenbosch, South Africa on January 15, 2013:

Very well put together. thanks for all the advice

jackkant on January 13, 2013:

Great tips! Some of these I already knew, but there were lots of new ones, too. :)

mkaybooks on January 01, 2013:

This is one of the most practical lenses I have seen about saving money.

KReneeC on December 31, 2012:

Excellent lens. Much here to consider!

renyou on December 18, 2012:

Very useful tips! Keeping track of where your money went is definitely a great idea.

pinkrenegade lm on November 25, 2012:

100 tips are worth a read! Thanks for sharing those useful tips and for this lens as well.

frugalfinance lm on October 22, 2012:

Great tips! Thanks for taking the time to write such an in depth lens!

Ronald Tucker from Louisville, Kentucky on October 18, 2012:

Excellent tips!...the links are very helpful and the CNNMoney site was simple and easy to understand. #8 Don't count on windfalls, #9 Aim to spend no more than 90% of income! and #10 Tithe thyself!

I put into practice number ten and now have accumulated a nice little "emergency fund"!

shawnhi77 lm on October 14, 2012:

wonderful lens full of some great tips.

Jen withFlash on October 10, 2012:

Lots of great tips!! Thanks!!!

Kristen from Wisconsin on September 26, 2012:

These are some AWESOME tips! Especially the eating out portion. A lot of people don't realize how much money is wasted that way. Great info!

anonymous on September 06, 2012:

packed with ideas and tips, you did a lot of research. thanks.

Tobint44 LM on September 05, 2012:

Great lens, my wife and I are doing Dave Ramsey's Total Money Makeover and these tips follow along great!

renyou on August 16, 2012:

These ideas are well pointed, I forgot some of it and it's a good thing to be reminded. Great lense!

MyMedsSavingsCard on July 15, 2012:

Nice work, very informative...you put alot of effort into this! Your mail order prescription was a good idea too...for people that don't have prescription coverage, a discount drug card is a good idea too!

LynetteBell from Christchurch, New Zealand on July 10, 2012:

Good points:) Something I have to comment on. Shampoos should be a GOOD quality. Doesn't have to be expensive though.

Charlotte Green on July 05, 2012:

Great ideas and tips, I cant think of anything to add.

J-Nevil LM on June 19, 2012:

Really informative lens. Thanks for the tips.

GeekGirl1 on June 16, 2012:

Great lens. This are very useful ideas.

homebusiness on June 15, 2012:

Great list! I think you just about covered everything. Another strategy I use to save money is to cut down on "impulse buying" - if I see something I want, I wait a week to see if I still want it before buying it. Many times, I've already forgotten about it.

YogaAngel on June 14, 2012:

Great tips!!!!!

twing-kewl on June 13, 2012:

I really really needed this advice. Thank you very much for this helpful lens. :)

WinWriter on June 02, 2012:

Really good tips here. I'd love to know what you're growing in your vegetable garden. :)

Hanziejane on May 28, 2012:

Interesting ideas, I'm interested in how to save money as a student at the moment which is what my latest lens is on.

LynetteBell from Christchurch, New Zealand on May 19, 2012:

Great tips:)

sellhousefastusa on May 07, 2012:

Great list of money saving tips thanks

melissiaoliver on May 04, 2012:

Really useful and informative lens. One thing I like to do to keep track of my money is making a ledger. I record every single penny I spend and keep a running total of how much I've spent that month. I then review the different categories where my money goes (food, travel, etc) and then make estimates for the amount to spend next month. It really helps me focus and realise what I'm spending my money on, and what I can easily cut down on.

Transitwilliam on April 25, 2012:

Great lens...im new to the whole squidoo thing... check out my lens on how to save money on your heating bills.

Angela F from Seattle, WA on April 15, 2012:

Great tips - adding to my Mastering Couponing lens.

Angela F from Seattle, WA on April 15, 2012:

Great tips - adding to my Mastering Couponing lens.

helpmeetingneeds on March 13, 2012:

WONDERFUL IDEAS. Hope you do not mind, but I copied them to put them into practice, thanks for this lens.

Gayle from McLaughlin on March 09, 2012:

Wow! You really delivered new and different money-saving Ideas! My tip is to ALWAYS look for discounts in everything you do--eating out, buying books, buying clothes--don't buy unless there is a deal!

tlcwebworks on February 20, 2012:

These are great tips, I will be looking into and purchasing a hot water heater timer! Thanks!

marsha32 on January 22, 2012:

I clicked over since saving money and living simply and frugally is for me, only to find that I had already liked this lens. Doesn't matter, read the list again! Loads of great ideas.

readabooki on December 18, 2011:

I love your list of 100 ways to save money. It makes me feel that there is always a way to get by spending less money. (http://cheapskateliving.org/)

equityreleasemortgage on November 17, 2011:

Very nice information really loved your tips to save money and spend less fill follow some .. :) liked your lens too hope to get it back squidoo.com/how-to-be-happy-in-retirement

ekkoautos on November 17, 2011:

thanks for sharing, these tips are so helpful

OnlineAutoInsuranceQuotes on November 10, 2011:

101.) Bundle your auto insurance with your homeowners or your renters insurance.

wolfie10 on November 06, 2011:

excellent lens. lots of good tips here

333ideas on September 20, 2011:

This is a good page. I added it to my "related pages" list. Please add mine page to yours. www.squidoo.com/anything-to-save-a-buck

All-Good-Stuff on September 20, 2011:

A great lense with lots of fantastic (and practical ideas). It's almost too much to take in!

lifebroker-australia on September 14, 2011:

Great list which I am referring to from my lens on saving on personal insurance tips! Thanks!

orange3 lm on September 10, 2011:

Great money saving ideas. Thanks.

anonymous on September 08, 2011:

Love this straightforward and very useful lens. I've linked to it in one of mine - Improve your Life by Saving Money, which is about shifting attitudes and getting back to basics.

amberdixie17 on September 05, 2011:

That's really a nice budgeting habit. It is really good to start saving money at an early age so you will get used to it when you grow up. Thanks for the budgeting tips, it's a good advice to follow to.

anonymous on September 03, 2011:

An annual garage sale not only gets you some extra money but reminds you of the money you wasted on all these unwanted items you are now practically giving away.

anonymous on August 27, 2011:

A lot of good tips. However I disagree with

9. Shut down the computer when it's not in use.

Turning a computer on and off wears the parts of a computer down more quickly than leaving it on. So the savings earned from reduced electricity costs are lost by having to replace or fix a broken computer. Alternatives would be to put the computer in sleep mode and turn the monitor off when not in use.

Great guide. Check out my page for new ideas on spending less.

redleafloans on August 24, 2011:

Awesome tips! Thank you so much for sharing these information. I appreciate all the effort in creating and sharing this lens... Keep it up!

sandyjunep lm on August 19, 2011:

Excellent, so many ideas, with all that info, it will help so many

Fignewton37 on August 18, 2011:

What a bunch of great ideas! Everyone should read this lens. Thanks for the hard work.

franstan lm on August 17, 2011:

Blessed by a Squid Angel.

gleken on August 16, 2011:

Some really good tips here. Some I would never had though of

anonymous on August 15, 2011:

This is not over simplifying the best way to save money! It is essential if you are serious about being a long term money saver and being able to save money every day. Review what you spend and look at ways you can save money.

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E L Seaton from Virginia on August 13, 2011:

Good stuff there oh frugal squid. I like veggies from the fresh back yard!

mgs249 on August 13, 2011:

Excellent lens and suggestions. I have a modest income too so am always looking for ways to save! Thanks.

Virginia Allain from Central Florida on August 12, 2011:

As you said, these helpful tips bear repeating. I always read lists like this and usually find at least one new way I can be more thrifty. Mostly I'm pretty good with this since I was raised by Depression Era parents.

Shadrosky on August 09, 2011:

Very nice lens, incredibly informative!

PatriciaLi on August 05, 2011:

What a great list of useful ideas! I will take on some of the ideas on your list. Thanks!

JJNW from USA on August 03, 2011:

This is good money advice we can all use in these tough times! We use rags or cut-up old t-shirts for spills (and toss if they are too icky to wash) and are starting to let more laundry air-dry.

Good ideas! I really like the idea of trading or borrowing DVDs from friends. I don't know why we don't do that more! I am still playing video taped movies and get them at yard sales for .25 to a dollar (a dollar ONLY if I REALLY want the movie - lol). I am a cheapskate!

John Dyhouse from UK on June 24, 2011:

wow, so many ways to save money. I was going to say I will show this to my wife but I just noticed the last comment,LOL.

Nice lens and some great ideas, guess I will have to see how many of them I can make work for me.

Rachel Field on June 01, 2011:

Love these money-saving tips! I'll have to get my husband to read this one too!

anonymous on May 19, 2011:

Really good tips. After following a few websites like the GetRichSlowly I have learnt to be frugal. I am slowly getting out of debt

George McCasland on May 14, 2011:

I'm reworking my lens since they took away the option to use Page Breaks for those of us with less then 50 Lenses. I'm stealing your primary image at the top and adding a link to this article in a new lens I'm working on right now on Child Support. It will be attached to the subsection on Debt Management.

http://www.squidoo.com/TheBasicsOfChildSupport

anonymous on April 12, 2011:

Very good tip for saving money and spending less. There is always something we can go without. I have a lot less expenses since my car died about six months ago. lol

John Dyhouse from UK on April 09, 2011:

very detailed tips, will print out and leave with some of them highlighted for my wife to come across. She won't listen to me, LOL.. But seriously, these are great tips and everybody should be aware of them. Great list, great lens.

CozyKitty on April 01, 2011:

Great ideas for saving money, Ramkitten! It's amazing how much you can save just by changing a few habits. Thanks for a great collection of ideas. I'll be back often ...

;-)

shalinirangnathan on March 10, 2011:

Thanks for the great tips... I hope everyone will realize the need to reduce carbon footprint. Specially carpool is the best solution to go green and help reduce carbon footprint. I am running a website which helps to find a carpool in Delhi and other metro cities.

Thanks!

Shalini

evitaa on February 27, 2011:

You really did a good job here. There is nothing else to be added. Thanks so much for sharing tips how to save money in today's(still) fragile economy.

e-xplorations on February 25, 2011:

This is one of the lenses that I like most. Thanks for sharing these thoughts/ideas. Great lens.

Jen from Canada on February 12, 2011:

I love all these tips on saving money.

nicoledownie on February 09, 2011:

Wow this is great! Group buying is another way to save money! Please read my lens about group buying and how to get free coupons to local businesses! http://www.squidoo.com/the-customer-advantage2

Gamganny on January 21, 2011:

Wonderful tips, I try to live frugally and the savings really do add up on your water and power bills. I am what I live to call the coupon queen, I don't buy ANYTHING without a coupon my husband used to laugh at me until I showed him all my receipts with savings it really adds up!!

plaidlunchbox on January 10, 2011:

Thanks for the good advice. When I do have to buy something new, I try to comparison shop quite a bit. I have found that shopping online usually saves me a good chunk of change. I do a google search for coupon codes, then I go to a rebate site like www.myfrugalfriend.com I use both the coupon code & the rebate site, plus I choose to pick the item up at the store (if possible) to save on shipping.

marsha32 on December 13, 2010:

If everyone would just follow these tips, we could take the economy out of this slump ourselves!

Blessed by a Squid Angel

mgassistant lm on December 11, 2010:

Cool tips! This is helpful especially these hard times.

desilegend on November 15, 2010:

Extremely good list! I read a lot of books but instead buying books, I use my local library now.

spritequeen lm on October 16, 2010:

These are some really great tips! Always looking for ways to cut costs. Thanks for sharing!

Enigmaa8 on October 16, 2010:

Great tips! Times are tough and every little helps. We have been trying to save a long time before the recession and there are some tips on here that we never even thought of e.g. turning the washing inside out before washing.

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