Start saving

"If you would be wealthy, think of saving as well as getting." - Ben Franklin

"A penny saved is a penny earned." - Benjamin Franklin

"The art is not in making money, but in keeping it."

“The key to winning with money is to live on less than you make. Act your wage! Quit spending like you are in Congress.” Dave Ramsey

"Respect pennies and the dollars will respect you" Unknown

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TIPS:


WAYS TO SAVE MONEY


How To Manage Your Monthly Subscriptions To Save Money 

8 Simple Ways To Put More Money in Your Pocket 

How To Manage Your Monthly Subscriptions To Save Money 

The Many Ways You Can Barter Your Way to Savings

5 Ways To Make Quick Cash

How To Save Money: Spend Less & Build Your Savings 

13 Fees That Are a Total Waste of Your Hard-Earned Money 

How To Start Saving When Money Is Tight

Team Clark’s 35 Favorite Money-Saving Tips

35 Simple Ways To Save Money Every Month 

Resolve to Stash More Cash This Year 

Don’t Break the Savings Habit 

Tricks for Stashing Small Savings (So It Doesn't Disappear)

12 Ways To Cut Spending to the Bone

9 Radical Cost-Cutting Tips To Reduce the Tightest Budget

Radical Cost Cutting for Surviving Financially Tough Times

Cutting Your Burn Rate During Tough Financial Times

Big vs. Little Savings: Which Is Better for Your Finances?

ebook: How to save $1000

11 Subscriptions You Might Want to Cancel Today

How To Start Saving When Money Is Tight

A Smart System for Saving for Larger Purchases

How to Save Money Now

5 Moves to Make if You Want to Grow Your Savings 

5 Things to Do Now to Save Money Later 

54 WAYS TO SAVE MONEY 

​20+ Triggers to Hack Your Life & Money​

​A Handful More Financial Triggers

47 Proven Ways to Save Money Fast This Year 

Here's How to Easily Save $1,200 in a Year 

 24 Tricks to Help Bad Savers Save More Money 

92 Painless Ways to Save Money 

How To Save and Invest the Clark Howard Way

Save Money Even As Consumer Prices Rise

Money-Saving Tactics for Busy People

How to Calculate Your Savings Rate (and What It Means) 

15 Tried-and-True Ways To Save More Money 

How to Start Saving When Money is Tight 

35 Simple Ways To Save Money Every Month 

30 Ways to Save Money Like Your Grandma Did 

7 Ways to Save Money Without Trying 

50 Ways to Save Money on Things You Thought You Could Never Save On 

20 Summer Savings Tips | DaveRamsey.com

How Much Savings Should I Have Accumulated By Age?

15 Ways to Save $100 to $1,000 With Minimal Effort/ Dave Ramsey

30 Ways to Save Up To $1,000 With Minimal Effort

7 choices that can save you $25k each year

35 Simple Ways To Save Money Every Month

15 Golden Rules for Saving on Every Purchase

9 Reasons Why You Can't Save

A Saver Checklist + Tips!

20 Easy Ways to Save at Least $5 a Day – Len Penzo dot Com

15 Golden Rules for Saving on Every Purchase | Money Talks News

How to Create a Saving Schedule you can stick to | Happy Humble Home

15 Golden Rules for Saving on Every Purchase | Money Talks News

11 Top Tips for Saving on Every Purchase

Old Fashioned Money Saving Tricks That Still Work

How to Save $500,000 in 15 Years

71 Ways to Save Money This Summer

Create a Savings Plan You Don’t Resent


America Saves, a campaign managed by the nonprofit Consumer Federation of America, motivates, encourages, and supports low- to moderate-income households to save money, reduce debt, and build wealth. The research-based campaign uses the principles of behavioral economics and social marketing to change behavior. Non‐profit, government, and corporate groups participate in America Saves nationally and through local, regional, and statewide campaigns around the country. America Saves encourages individuals to take the America Saves pledge and organizations to promote savings year-round and during America Saves Week.

America Saves also targets two populations with unique savings needs through:

You Don't Have To Go It Alone

America Saves helps you reach your savings and debt reduction goals. It all starts when you make a commitment to yourself to save through the America Saves pledge. When you pledge, America Saves will send you detailed information on how to reach your savings goal and remind you of the amount you chose to save. You will also receive monthly challenges to save, as well as information and advice to help you save for your goal. Additionally we encourage you to interact with other member savers, learn from their experiences, and exchange money-saving ideas. Think of us as your own personal support system.


MONEY GAMES, TRICKS AND TOOLS

Listen to this podcast, Think Like A Saver,

How getting a second opinion can stop you being ripped off 

SAVING FOR YOUR PAST, PRESENT, AND FUTURE: THE 30/40/30 RULE 

13 FREE Printable Savings Tracker Coloring Pages 

6 STEPS TO ESTABLISHING A SPENDING & SAVINGS PLAN 

Tricks for Stashing Small Savings (So It Doesn't Disappear)

A Smart System for Saving for Larger Purchases

The Money Pleasure Principle: Take the Pain Out of Saving Money

These tips can help you successfully set and achieve financial goals. 

The High Cost of Just-in-Time Purchasing

Ways To Save With Rubbing Alcohol

4 Steps to a Guaranteed Smart Buy 

How to Pay Yourself First and Grow Your Wealth 

Here's a smart system that can help you save for larger purchases.

Use the HALT Method to Control Your Spending & Your Life

How to Get the Best Price for Your Gold Jewelry 

Buying in Bulk: An Investment Anyone Can Afford 

Money Games That Can Make Frugality Fun 

How to Use a No-Spend Challenge to Grow Your Savings

80 Free Savings Tools That Will Put Extra Money in Your Pocket 

The Best Finance Apps for Every Budget in 2021 

15 Best Coupon Sites to Save Up to 50% 

What to Buy Each Month of the Year to Save More!  

How a Simple Planner Can Keep Dollars in Your Pocket 

How to Save $5,000 With the 52-Week Money Challenge

The 30 Day Rule: How To Save (More) Money 

29 psychological tricks that make you buy more.  

9 Simple Things You Can Do Every Day to Stretch a Buck 

11 Tips and Tricks That Will Keep You From Overspending

8 Things You Should Rent Instead of Buying

How You Can Use Unit Price to Save Money When Shopping 

19 Things You Should Never Buy at a Grocery Store

Become a Black Belt in Smart Seasonal Shopping 

4 Questions to Ask Yourself Before You Make Any Purchase

Save on Every Single Purchase With These Tricks

 Money Games That Can Make Frugality Fun 

Family Financial Meeting: A Step By Step Guide - One Frugal Girl

5 Ways to Make Saving Money Fun

Using Your Real Hourly Wage to Make Smarter Financial Decisions

Life Checklist

Latte Factor Calculator; Calculate How Small, Regular Expenses Add Up

The Latte Factor™ Challenge Worksheet

A Chrome Extension That Shows You the Value of Your Time: Time Is Money will display the number of hours a person would have to work in order to have enough money to purchase any product that has a price listed on a shopping site.  

6 Things You Should Maintain & Take Care of to Save Money Long-Term

Black Belt Tightwads Share Their Money-Saving Secrets

5 rich NFL stars who live like they’re broke

11 Questions To Ask Yourself Before A Large Purchase

7-day plan to put more money in your pocket

This Simple Calculation Will Tell You If You're Getting Your Money's Worth

Don’t Pay for These 10 Things: They Are Free With a Library Card


QUOTES:


Some Perks of Carrying Cash:  I carry $50 to $100 in my wallet at all times, in 5s and 10s. This money is kept in a separate holder from my daily spending cash. It saves me money in several ways: Even though I have an emergency service to deal with car tows or jump starts, having some extra cash makes me less panicky if I have a breakdown. If I am thrift shopping or in a regular store and see an EXTREME bargain, or boy-I-always-wanted-that, I can buy it without putting it on a credit card and possibly paying interest. Better, if I see a roadside "for sale" in someone's yard, I can make a cash offer that may be less than what the seller is asking. No ATM fees, either. And any emergency trip to a doctor or hospital is better, knowing you have cash. Money talks! Carrie from Dollar Stretcher Tips


A Shopping Order To Maximize Savings: I use the following order when shopping for anything but food items. This method makes sense and has worked for me for years, helping us to save enough to be out of debt. When I am looking to buy something specific, I go to the stores as follows, looking for the item I want. This is in the order of the cheapest to most expensive:

If you do this, you will be assured to get the item for the cheapest available price.

Nancy from Dollar Stretcher Tips


Try Out Those Payments Before You Buy: If you are looking to buy something like a car or anything else that is expensive, find out what your payments would be each month and save that amount for six months. This helps for two reasons:

1. It allows you to see if you can afford this comfortably.

2. It allows you to have six months' worth of payments planned in advance at all times.

​RS from Dollar Stretcher Tips


Wait One Week:  Always wait a week before purchasing anything over specific dollar amount. $50 is my wait-a-week amount, but you could do $100 or whatever bests suits your spending. Spontaneous purchases are a bad thing. About half of the time, you will find that you really don't need the item. Plus, it gives you time to shop around for a good deal and barter a little. WM from Dollar Stretcher Tips


A System for Knowing When To Buy:  When you stock up on something, it is hard to know how much to buy at a time. Put a date on an item when you open it. For example, date your dishwashing liquid when you open it. When it is empty, figure out how long it took to use it up. That way, you will know how many you need to buy the next time you see a good deal. For example, if one bottle lasts one month, then if you buy four at the next sale, you will have a four-month supply and won't have to watch for a sale for another 10 to 12 weeks.
Claudia from Dollar Stretcher Tips


SPEND LESS: FRUGALITY

Cutting expenses guide

12 Ways To Cut Spending to the Bone

Sticking With a Frugal Lifestyle Month After Month 

Living Frugally In Suburbia 

31 Things I Never Use

Too Frugal? 6 Principles for Keeping Frugality in Check

I Made One Simple Financial Change and It Lowered My Spending 

5 Basic Rules of Frugality for the Newly Frugal 

10 Frugality Fails That Can End Up Costing You Money

How To Manage Your Monthly Subscriptions

13 Fees That Are a Total Waste of Your Hard-Earned Money

Lowering These 5 Bills Could Save You Thousands Every Year

Practically Painless Ways to Spend Less Right Now 

Clark Howard’s 5-Step Guide to Lowering Your Monthly Bills 

12 Ways to Cut Spending to the Bone 

How to Save Money: 35 Ways to Reduce Expenses 

How to Stop Spending Money 

Spend Less to Live More: Why I Broke Up With Spending 

Practically Painless Ways to Spend Less Right Now 

Frugal Living: How to Trim Expenses Without Feeling Deprived 

The Upside of Forced Frugality

7 lessons from a woman who lives on $60 a week

Could You Give Up These 7 Expenses to Save Thousands of Dollars a Year?

How to Save Money: 35 Ways to Reduce Expenses - Clark Howard

10 Ways to Prevent Non-Essential Spending

How to Cancel or Cut Monthly Bills

5 Monthly Expenses You Can (Easily) Reduce

Why Spending Rates Matter More Than Savings Rates

Steps to Take When You Don't Have Enough Money

When There’s No Money Left for Extras

Want some NEW ways to save? Check out this episode of our podcast, Think Like a Saver – Creative Ways to Save. We believe an informed saver is an empowered saver and an empowered saver is able to make the best decisions for themselves and their loved ones.


QUOTES: 

Tired of Living a Frugal Life?: Frugal fatigue is no different than falling off of the diet bandwagon. You work and work to lose weight, only to be thwarted by an office birthday party or a dinner out with friends. However, just because you gain back a few pounds does not mean you should abandon the diet. No, you just start the next day fresh and try again. The same is true for your finances. If you are a frugal person, you can still treat yourself occasionally. Just like dieting, if you allow yourself a few small splurges, you are much less likely to go hog wild and make a huge splurge that will set you way back. Everything will be fine as long as you climb back on the frugal bandwagon. You know you are doing what is best, so stick with it, and you will see results! Apryle from Dollar Stretcher Tips

SMART BUYS


PODCASTS:

Listen to How to Find Easy Money (Up to $6,728)! from Money Guy Show on Apple Podcasts. https://podcasts.apple.com/us/podcast/money-guy-show/id121362031?i=1000476175329 

Listen to 528 - 14 Tips to Kill Impulse Buying and Save Money from Money Girl's Quick and Dirty Tips for a Richer Life on Apple Podcasts. https://podcasts.apple.com/us/podcast/money-girls-quick-and-dirty-tips-for-a-richer-life/id209859739?i=1000486486394 


QUOTES:

Tracking Household Goods and Savings: "One of the easiest ways to stretch groceries and household goods is to track them. The simplest way is to use a permanent marker and write the date you first opened the item. We first started doing this with cans of coffee grounds. After realizing that we were getting 28 days out of one can, we were able to reduce how much coffee we used and got seven more days by using a slightly smaller scoop. We started doing this shampoo, conditioner and body soaps and extend the life of those items. Then I noticed that jugs of laundry soap show the amount of loads one should get out of each jug. I decided to test it and discovered that the amount I used was very different than the advertised amount. I was then able to adjust the amount I used. Paying attention to detail pays off.We also have a "Household Clipboard" where we track things like when we change the PUR water filter on our sink, and when we treat our septic system. We even track how often we run our washing machine. In addition to that, we have a Household Binder where we created a yearly spreadsheet and write down the date and cost of every major repair and appliance purchase. We can compare costs and estimate how long something will last." Toni B. from Dollar Stretcher Tips

How I Make a Habit of Finding Savings: One "out the box" way to make money is to set aside a certain time each week to figure out how to save money. Every Wednesday while doing laundry I decide what to save money on and do research on how to save in one area of my life, like using less gas, checking out frugal tips, cooking and freezing frugal meals, sewing items for gifts, reworking clothes not used, etc. I have been doing this for years and think of this as a part-time, pay-no-taxes, stay-at-home job. Dee Bee from the Dollar Stretcher Tips 

Making Things Stretch Just a Little Further: After a few years of reading the Dollar Stretcher, I realized that in order to get the most bang for my buck, I needed to know just how fast I was going thru certain items. I started by using a permanent marker and writing the date I opened each item. It started with a large can of ground coffee. I discovered that it took us 5 weeks to go through an entire can. Toni B from Dollar Stretcher Tips

KEEPING TRACK OF TEMPTATIONS: I am working hard on not losing money through mindless spending. To do so, every time I choose to not spend money on something I do not need, I write it down. At the end of the month, I transfer that money from my checking account to a savings account, which is set up to save for bigger things that I both want and need. Seeing that money grow and thinking about the impact of a larger purchase makes giving up those smaller purchases enjoyable! Rona H. from Dollar Stretcher Tips

A Lady Pays Less: Some products are marketed as specifically for men or women, but if you look closely at the product or its ingredients, you may find that the only difference is in the packaging and pricing. For instance, some toiletries (like antiperspirants or shave cream) are virtually the same, but the prices aren't the same. The same thing is true with white sweat socks. I don't care if the package says it's for men. If the product is the same and the price is cheaper, it goes into my basket! Julia from Dollar Stretcher Tips

Are You Really Saving? If you don't use the money you save to reduce debt or add to an emergency, college or retirement fund, are you really saving money? It's great to reduce what you spend, but if you just spend it somewhere else, you're not really saving. One way to solve that problem is to note how much you've saved and either add it to your debt payment or immediately add it to your savings account. A from Dollar Stretcher Tips


Knowing When to Buy:  I always mark the date I open large sundry items, such as cleaners, cotton balls, toothpaste, shampoo, etc. I started doing this out of curiosity because some things seemed to last forever even though I used them constantly, like buying bulk shampoo. By checking the date I first started using an item, I can better gauge how many I need to keep on hand or how many extra to buy when I come upon a sale. This has saved me money because I always seemed to buy extra items when they were on sale and ended up with a lot more items than space. Now if I come upon a sale and know that I have an extra item on hand (I keep a spreadsheet of my extra items in my planner in my purse), I know I can let that sale slide and wait for a sale closer to the time we should we running out of that item. Lisa from Dollar Stretcher Tips

Bartering With Neighbors for Savings: I'm old and find it hard to do the shoveling during our winters. But I have found a way to get it done and do something else at the same time. If you are good at baking, sewing or other such talent, find a neighbor that will shovel for you, and you, in turn, can do some baking for them or mending or light housework. The old-fashioned barter system works very well in my neighborhood. Seva from Dollar Stretcher Tips