We could all use a refresher on how to spend less and save more.
No matter what you’re saving money for—whether it’s to build up an emergency fund, pay off debt faster or plan ahead for a big vacation or first home—trimming expenses will help you get there faster.
3. Create sub-accounts for different savings goals. It’s an easy way to measure your progress and make quick adjustments. 10. Transfer your savings to a high-yield account. The average savings account pays just .06% in interest, but you can easily find one that pays around 1%. 20. Buy the floor model for a discount when you’re shopping for big-ticket items like furniture or appliances.22. Buy last year’s model—especially when you’re shopping for electronics—and try to negotiate a discount.24. Join loyalty programs—whether at a pharmacy, department store or your local froyo shop—to earn coupons or credit toward future purchases.
36. Give yourself some time to cool off before making a big purchase. Ask these questions to help you decide whether or not to spend.Food 38. Eat at the bar, where you’ll typically find better deals and cheaper fare.Read: From restaurant meals to late fees — which expense is your biggest waste of money?
49. Stock up on wine and liquor the day after a major holiday to score discounts. Those are among the quietest days for liquor stores. 54. Cut the cable cord altogether. This bill is likely costing you at least $100 a month; alternatives like Hulu and Netflix NFLX, -3.22% are a fraction of that. 63. Pick up a side gig—like freelance writing, Uber driving or dog walking—to help boost your savings.65. When you get that raise, direct most or all of the additional money automatically into retirement, investment and savings accounts.
71. Cancel your gym membership and exercise outside or by watching personal trainers’ classes on YouTube free.72. Look for other freebies in your city, like yoga classes at Lululemon or one-day workouts in public parks.Read: Pay for your next vacation entirely with credit card points and miles75. Join hotel loyalty programs—Starwood Preferred Guest and Marriott MAR, -7.06% are top choices—for upgrades and discounts.
80. Rent out your home while you’re away on vacation to avoid paying a house sitter and earn some extra cash.82. Opt for a staycation to save big on travel costs and be a tourist in your own town.Socializing and entertainment 84. Order drinks on happy-hour special, and opt for tasters or flights of wine or beer in lieu of full glasses.
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