100 ways to save money

• Move bank accounts to take advantage of perks and earn more interest.
• Turn off the television.
• Stop collecting and start selling.
• Sign up for every free customer rewards program you can.
• Make your own gifts instead of buying stuff from the store.
• Master the 30-day rule.
• Write a list before you go shopping – and stick to it.
• Invite friends over instead of going out.
• Repair clothing instead of tossing it.
• Don’t spend big money entertaining your children.
• Negotiate rates with your credit card company or complete a balance transfer.
• Clean out those closets.
• Buy video games that have a lot of replay value – and don’t acquire new ones until you’ve mastered what you have.
• Drink more water.
• Avoid convenience foods and fast food.
• For heaven’s sake, quit smoking.
• Make a quadruple batch of a casserole.
• Turn off the lights.
• Swap books, music, and DVDs on the Internet or at the library.
• Maximize yard sales.
• Install CFLs or LEDs wherever it makes sense.
• Install a programmable thermostat.
• Buy quality appliances that will last.
• Clean or change out your car’s air filter.
• Quit using credit cards.
• Plan your meals around your grocery store’s flyer.
• Do a price comparison – and find a cheaper grocery store.
• Make your own when you can.
• Avoid stress-spending.
• Share your dreams with people you love.
• Do a “maintenance run” on your appliances.
• Cancel unused club memberships.
• Buy used when you can.
• Keep your hands clean.
• Remove your credit card numbers from your online accounts.
• Give the gift of labor.
• Do holiday shopping right after the holidays.
• Join up with a volunteer program.
• Declutter to save your sanity and some cash.
• Try generic brands of items you buy regularly.
• Prepare some meals at home.
• Stick to reliable, fuel-efficient cars.
• Avoid the mall.
• Master the 10-second rule.
• Rent out unused space in your home.
• Create a visual reminder of your debt.
• Cancel magazine subscriptions.
• Eat breakfast.
• Swap babysitting with neighbors.
• Don’t fear leftovers: Jazz them up instead.
• Go through your clothes – all of them.
• Brown bag your lunch.
• Learn how to dress minimally.
• Ask for help and encouragement from your inner circle.
• Try to fix things yourself.
• Keep an idea notebook in your pocket.
• Invest in a deep freezer.
• Look for a cheaper place to live.
• Check out free events in town.
• Inflate your tires.
• Start a garden.
• Dig into your community calendar.
• Take public transportation.
• Cut your own hair.
• Carpool.
• Design your ‘debt snowball.’
• Get a crock pot.
• Do some basic home and auto maintenance on a regular schedule.
• Buy staples in bulk.
• Pack food for road trips.
• Go through your cell phone bill, look for services you don’t use, and ditch them.
• Consolidate your student loans.
• When buying a car, look only at used models.
• Hit the library – hard.
• Use a simple razor to shave.
• Find daily inspiration for making intelligent moves.
• Learn about all of the benefits your company offers.
• Make your own cleaning supplies instead of buying them.
• Suggest cheap activities when meeting up with family and friends.
• Don’t speed.
• Read more.
• Buy a smaller house.
• Drive a different route to work.
• Always ask for fees to be waived.
• Don’t overspend on hygiene products.
• Eat less meat.
• Use a brutally effective coupon strategy.
• Air seal your home.
• Make your own beer or wine.
• Make sure all your electrical devices are on a surge protector.
• Get on the automatic repayment plan for any student loans you have.
• Cut down on your vacation spending.
• Cancel the cable or satellite channels you don’t watch.
• Exercise more.
• Utilize online bill pay with your bank.
• Connect your entertainment center and/or computer setup to a true smart power strip.
• Don’t beat yourself up when you make a mistake.
• Always keep looking ahead.
• Never give up.
• Use your employer’s cafeteria plan to save on medical expenses.