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250 consejos e ideas para ahorrar dinero para que pueda ahorrar dinero en 2019

These 250 money saving tips and ideas are incredible! Having so many saving money ideas in one place is great. I

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Eso es todo. Su guía definitiva, repleta de ideas para ahorrar dinero. Hemos reunido estos 250 consejos e ideas para ahorrar dinero de todo Internet para asegurarnos de que pueda obtener todos los consejos y trucos para ahorrar dinero que pueda necesitar, ¡en un solo lugar!

¡Estos 250 consejos e ideas para ahorrar dinero son increíbles! Tener tantas ideas para ahorrar dinero en un solo lugar es genial. ¡Definitivamente usaré los trucos de vida frugal semanalmente y mensualmente como consejos y trucos para ahorrar dinero rápidamente en comestibles, en una casa, en comida y más! Tener tales trucos y consejos para ahorrar dinero hace que sea fácil para todos cumplir con un plan de ahorro y seguir un presupuesto, para adolescentes, de 20 años, para familias, solteros, parejas o madres. ¡Excelente para liberarse de deudas y alcanzar la paz financiera!

Estos trucos y consejos para ahorrar dinero se dividen en una variedad de temas diferentes para que pueda elegir concentrarse en ahorrar dinero en un área específica de su vida.

¡O puede elegir implementar tantos como desee, por supuesto!

Y con 250 consejos para ahorrar dinero en esta guía definitiva, seguramente encontrará algunos que puede comenzar a usar de inmediato.

Esto es especialmente para aquellos de ustedes que están luchando por ahorrar dinero y realmente no están seguros de por dónde empezar.

Entonces, estas ideas sobre cómo ahorrar dinero te mostrarán que no es tan difícil comenzar a hacer recortes de gastos.

E incluso si se considera bastante bueno con el dinero, siempre es útil obtener algunos consejos nuevos para ahorrar dinero como una forma de verificar cómo va y dónde podría mejorar.

¡Entonces comencemos a ver cómo ahorrar!

250 consejos para ahorrar dinero

Consejos e ideas generales para ahorrar dinero

1. Haz un presupuesto

Una de las mejores cosas que puede hacer para administrar su dinero es hacer un presupuesto (¡y cumplirlo!)

Si bien puede parecer desalentador al principio averiguar cómo poner todas sus finanzas en un presupuesto, en realidad es muy sencillo.

Esta guía paso a paso para crear un presupuesto te guiará por lo que necesitas hacer.

Como un impulso adicional para ayudarlo a comenzar, aquí hay un plantilla de presupuesto descargable gratis ¡solo complételo y ya está en camino!

2. Esté atento a su situación financiera general

La mayoría de las personas tienen una idea general de dónde están financieramente, pero probablemente no pueden decirle cómo están mejorando (o, ejem, no) de mes a mes.

Pero es super importante saber tu situación financiera general para que pueda identificar y solucionar cualquier problema lo antes posible.

Es por eso que recomiendo Capital personal.

Es una excelente herramienta GRATUITA que le permite conectar todas sus cuentas bancarias y tarjetas a su sistema para mostrarle su situación financiera exacta, incluido el destino de sus gastos cada mes.

Esto lo hace excelente para ayudarlo a ahorrar dinero, ya que inmediatamente verá dónde puede haber gastado más de lo que se dio cuenta.

ARTÍCULO RELACIONADO: CÓMO AHORRAR $ 1,000 EN TRES MESES (Y DEJAR DE PAGAR EL CHEQUE VIVO)

3. Haga una verificación rápida de su 401 (k)

Es genial si tienes un 401 (k) al que contribuyes regularmente.

Pero, ¿sabía que las altas tarifas, una combinación incorrecta de inversiones y una gestión deficiente de su 401 (k) pueden afectar rápidamente sus ganancias?

El problema es que puede ser complicado saber si hay un problema o no, y mucho menos cómo solucionarlo.

Por suerte, hay un Herramienta GRATUITA que puede hacer un chequeo en su 401 (k) por usted.

Blooom realizará un análisis de su 401 (k) contra otros 25,000 fondos y le informará cómo va el suyo.

Esto incluye informarle sobre cualquier tarifa de inversión oculta, si tiene la cantidad correcta de acciones y bonos y cómo reducir cualquier riesgo potencial para su 401 (k).

Y, por supuesto, le sugerirá cómo puede arreglar estas cosas para asegurarse de que está ganando lo máximo posible para su jubilación.

Entonces haga clic aquí para obtener un análisis gratuito de su 401 (k) para asegurarse de que está en el camino correcto hacia la jubilación.

MÁS INFORMACIÓN: CÓMO MAXIMIZAR SU 401 (K) POR DIEZ DE MILES DE DÓLARES

4. Corta tus suscripciones

Si no está seguro de si está pagando demasiado por cosas como su cable, internet o seguro de automóvil, entonces probablemente lo esté.

Entonces Podar es una gran aplicación para ayudarte con esto.

Examina sus suscripciones recurrentes para descubrir cómo puede reducirlas para ahorrar dinero.

Mejor aún, aparentemente está ahorrando clientes un promedio de $ 180 por año y es totalmente gratis para probar!

También puede negociar sus facturas de internet y cable, encontrarle un mejor seguro de automóvil y más, todo de forma automática.

Descubrir mas informacion aqui.

5. Tenga una aplicación en su teléfono que le permita verificar cómo van sus finanzas en todo momento

Si desea obtener una imagen completa de cómo están funcionando sus presupuestos que están completamente actualizados en cualquier momento, entonces hay una aplicación fantástica y GRATUITA para ayudarlo con eso.

Aplicación de dinero gastado (iOS / / Androide) es una gran aplicación que duplica el trabajo de la mayoría de las aplicaciones de presupuesto.

Después de conectar completamente sus cuentas a la aplicación, organiza automáticamente sus gastos, analiza sus hábitos de gasto y le muestra cómo ha estado usando su dinero.

Esto es enormemente útil cuando se trata de averiguar dónde se ha ido su dinero, al tiempo que le muestra dónde puede hacer algunos cambios para ahorrar más.

Sin embargo, la aplicación luego agrega un poco de glaseado al pastel al proporcionar un reembolso cada vez que una de sus cuentas muestra una compra en una de las miles de tiendas y restaurantes en el sistema de dinero gastado.

Esto incluye compañías como Amazon, Uber, Netflix, Starbucks, Spotify y Grubhub.

Entonces, dado que el 99.9% de ustedes definitivamente está comprando en una de estas tiendas, podrá comenzar a recibir efectivo sin cambiar sus hábitos de gasto.

(Y por cierto obtienes un reembolso de $ 10 en efectivo después de tu primera compra elegible.)

Descargar el Aplicación de dinero gastado (iOS / / Androide) gratis y vea cómo puede ayudarlo a tomar el control de sus gastos con algo de efectivo adicional.

6. Automatiza tus finanzas

Esto ha cambiado mi juego para asegurarme de que estoy cumpliendo mis objetivos de ahorro.

Esto es exactamente lo que hago para automatizar mis finanzas.

Esencialmente, cada mes, mi salario llega a mi cuenta y luego se divide automáticamente y se envía a pagar mi tarjeta de crédito en su totalidad, pagar los gastos recurrentes como mi teléfono celular y asegurarme de que un cierto porcentaje se destina a mis inversiones.

De esa manera, no hay tentación de gastar más de lo que tengo, ya que simplemente no tengo acceso a más dinero.

7. Prueba un desafío para ahorrar dinero

Si encuentra que necesita un empuje competitivo para ayudarlo a dejar de gastar dinero, ¿por qué no? prueba un desafío para ahorrar dinero.

Hay toneladas de ellos por ahí, pero, esencialmente, son formas de ahorrar dinero extra que probablemente habría gastado de otra manera.

Lo que significa que desafiarte a ti mismo para ahorrar con uno de estos desafíos también te ayudará a dejar de gastar dinero.

Así que mira estos 19 desafíos simples para ahorrar dinero y agarrar un hoja de trabajo imprimible gratis para ayudarlo a comenzar a reducir sus gastos.

8. Guarda todos tus cinco

Esto funciona mejor si tiende a pagar las cosas en efectivo en lugar de con tarjeta.

Es simple: cada vez que recibe una nota de $ 5, como cuando se le da un cambio, lo guarda.

Guárdelo en un frasco o en una caja en la parte posterior de su armario, no importa. Solo no lo gastes.

Ésta persona logró ahorrar $ 2,285 usando este truco y este blogger afirma haber ahorrado casi $ 40,000 en 13 años.

¡Así que cada poquito realmente cuenta!

ARTÍCULO RELACIONADO: 27 MANERAS DE ENGAÑARTE PARA AHORRAR DINERO

9. Establecer metas financieras a corto plazo

Un objetivo como salir de la deuda es fantástico, pero puede llevar un tiempo hacerlo. Y si recién está comenzando, puede parecer una cosa imposiblemente lejos de lograr.

Por lo tanto, divídalo en pasos más manejables. Como explica el proceso en la guía para salir de la deuda, debe centrarse en cada deuda individual en lugar de su deuda total total, que puede parecer insuperable.

Pero reducir cada deuda individual es mucho más factible, y le dará más victorias en su camino para estar libre de deudas.

10. Tener objetivos financieros cuantificables

Está muy bien decir que quiere gastar menos en comida, pero puede que no sea lo suficientemente específico como para lograrlo.

En cambio, trate de pensar en algo como: voy a gastar solo $ 250 en lugar de $ 500 en comida este mes.

Tener una meta real y cuantificable le mostrará de inmediato cómo no gastar $ 20 en lo que le llamó la atención puede ayudarlo a alcanzar su objetivo.

Y, lo que es más importante, puede ser una gran motivación para que sigas trabajando en tus finanzas cuando te veas alcanzando (¡o casi alcanzando!) Tus metas cada mes.

11. Programe una cita financiera todos los meses

Esta es una excelente manera de controlar realmente sus finanzas y asegurarse de que permanezcan así durante todo el año.

Si vives con un compañero, entonces es genial si puedes hacer esto con él o ella para que ambos estén en la misma página.

Pero también puedes tener esta cita contigo mismo. Simplemente tome una copa de vino, ponga música y póngase cómodo con sus documentos financieros.

¿Quién dijo que el amor está muerto?

¿Busca consejos y trucos para ahorrar dinero? Estos 250 consejos e ideas para ahorrar dinero son para usted. Encuentre grandes ideas para ahorrar dinero en todas las áreas de su vida en este momento, incluidas las formas de ahorrar dinero en comestibles, alimentos, automóviles, niños, teléfonos celulares, entretenimiento y dejar de gastar dinero en cosas innecesarias. ¡Estos son tan fáciles que son los mejores viajes y consejos para ahorrar dinero que encontrarás!

12. Trabaja en tu educación financiera

Si bien a menudo hablamos de invirtiendo tu dinero por aquí, También puede ser tan valioso invertir en tu propia educación.

En particular, obtener una comprensión de los conceptos financieros lo ayudará enormemente a avanzar.

Yo personalmente recomendaría que comience con los siguientes

Tu puedes incluso ¡Obtenga dos de estos como audiolibros gratis!

Sólo Regístrese aquí para una prueba gratuita de 30 días con Audible y obtendrá dos audiolibros gratuitos para guardar, incluso si elige no registrarse en Audible al final de la prueba.

13. Compruebe que no está pagando demasiado por su seguro de salud

Ya sea que tenga un seguro de salud o esté pensando en contratarlo, siempre es una buena idea darse una vuelta para asegurarse de obtener el mejor trato.

Aquí es donde Seguro de eSalud entra. Le permiten buscar pólizas de seguro de salud en su base de datos de más de 10,000 planes de más de 180 compañías de salud en los Estados Unidos.

Lo que significa que es muy probable que puedas encontrar una oferta increíble para tus circunstancias.

14. Compruebe que no está pagando demasiado por sus medicamentos recetados

Si está comprando medicamentos recetados genéricos, los costos de esto realmente pueden aumentar con el tiempo.

Así que mira la herramienta en Seguro de eSalud que le permite comparar planes para medicamentos recetados.

Afirman que permiten a las personas ahorre desde $ 1,616 por año. ¡Lo cual no es tan malo en absoluto!

15. Comprar medicamentos genéricos

Además del punto anterior, casi siempre debe comprar la marca genérica de medicamentos en lugar del nombre de la marca, ya que son idénticos, simplemente mucho más baratos.

Consulte con su farmacéutico la próxima vez que necesite recoger algunos medicamentos.

16. Use Airbnb cuando viaje

Esto no es un secreto, pero Airbnb suele ser mucho más barato que un hotel.

Y dado que vienen con una cocina, podrá comprar comida en el supermercado durante su estadía en lugar de comida para llevar o comida en el hotel.

Si no has usado Airbnb antes, Haga clic aquí por $ 25 de crédito gratis.

17. Finge que no recibiste un aumento

Si obtiene un aumento de sueldo, una de las mejores cosas que puede hacer para su tasa de ahorro es fingir que no lo obtuvo.

Es decir, continúe gastando como solía hacer con su salario anterior. De esa manera, podrá utilizar todo el dinero extra para acelerar sus objetivos financieros.

18. Ahorre de inmediato cualquier devolución de impuestos

Recibir un reembolso de impuestos puede ser como ganar la lotería, pero es mejor si finge que nunca lo recibió en lugar de quedarse sin un nuevo par de zapatos.

Inmediatamente colóquelo en su tarjeta de crédito o directamente en su fondo de emergencia. Futuro te lo agradecerás.

19. Comience a invertir

Una de las herramientas más valiosas que tiene un inversor es el tiempo.

Es decir, al comenzar a invertir lo antes posible y dejar que su dinero crezca todo el tiempo que pueda, puede literalmente, le otorgará cientos de miles de dólares más que si comenzaras años después.

SABER MÁS: EL PRINCIPIO QUE GARANTIZARÁ SU FUTURO FINANCIERO

Si aún no ha comenzado, ¡no es demasiado tarde! Comience a buscarlo lo antes posible y agregue esto a sus objetivos financieros, ya que realmente es la forma de establecer su futuro financiero para el éxito.

Y en cuanto a cómo esto se relaciona con el ahorro, considero que esto es un gran motivador para ayudarme a no gastar dinero en cosas innecesarias.

Es decir, pregúntese si necesita comprar un teléfono nuevo, ¿o desea ahorrar ese dinero y agregar un poco más para su jubilación?

20. Invierta en opciones efectivas y de bajo costo.

… e incluso hay formas de implementar estrategias de ahorro de dinero cuando realmente empiezas a invertir.

Después de todo, uno de los mayores derrochadores de dinero al invertir son las tarifas que a menudo se cobran por administrar su dinero. Estos realmente pueden afectar sus ganancias con el tiempo por la suma de decenas de miles de dólares.

Afortunadamente, hay una manera de invertir de bajo costo con retornos constantes que incluso los inversores de alto perfil como Warren Buffett dicen que es la mejor manera de invertir su dinero. Y también es increíblemente fácil de hacer.

Descubre más por descargando este libro electrónico gratuito ¡para ver lo fácil que es comenzar su viaje de inversión (incluso si, o especialmente si, es un principiante total)!

21. Rastrea a dónde va todo tu gasto

Crear un presupuesto es un excelente lugar para comenzar cuando tiene todas sus finanzas bajo control, pero si realmente quiere limitar sus gastos, es imprescindible hacer un seguimiento de a dónde va todo su dinero.

Si bien estoy de acuerdo en que puede ser molesto anotar a dónde va cada centavo, hacer esto durante al menos un mes le dará una idea de dónde pueden estar sus áreas problemáticas.

Y si realmente no puede molestarse en hacer esto (lo cual es totalmente comprensible) intente usar una aplicación gratuita como Capital personal que lo hará por ti.

Simplemente conecte sus tarjetas y cuentas (¡de forma completamente segura!) Y le mostrará exactamente dónde entra y sale todo su dinero, listo para que pueda solucionar cualquier problema.

¿Busca consejos y trucos para ahorrar dinero? Estos 250 consejos e ideas para ahorrar dinero son para usted. Encuentre grandes ideas para ahorrar dinero en todas las áreas de su vida en este momento, incluidas las formas de ahorrar dinero en comestibles, alimentos, automóviles, niños, teléfonos celulares, entretenimiento y dejar de gastar dinero en cosas innecesarias. ¡Estos son tan fáciles que son los mejores viajes y consejos para ahorrar dinero que encontrarás!

22. Pruebe el sistema de sobres de efectivo

Si prefiere gastar usando efectivo en lugar de tarjetas, entonces el sistema de sobres de efectivo puede ser lo que necesita para controlar sus gastos y ahorrar más.

Descubra exactamente qué es y cómo funciona aquí.

23. No te mantengas al día con los Jones

Dave Ramsey dijo una vez: Compramos cosas que no necesitamos con dinero que no tenemos que impresionar a las personas que no nos gustan.

Tenga esto en cuenta la próxima vez que esté pensando en hacer una gran compra.

24. Mantenga su efectivo en billetes grandes

Es fácil gastar esa factura de $ 5 en su billetera. Pero si va a romper una factura de $ 50 o $ 100, tiende a hacer una pausa por un momento.

Después de todo, ¿REALMENTE quieres gastar tanto?

Por lo tanto, si necesita llevar efectivo, trate de mantenerlo en grandes facturas. Podría darle el impulso psicológico para mantenerlo en su billetera en lugar de gastarlo.

25. Guarde todo su cambio de repuesto

Al final de cada día (incluso puede configurar una alarma en su teléfono a una hora establecida cada día para que se lo recuerde), revise su billetera en busca de monedas.

Luego ponga todo ese cambio de repuesto en una alcancía o un frasco, donde se acumulará durante el año.

No se convertirá en millonario de esto, pero se encontrará ahorrando dinero que ni siquiera notará que falta, lo que definitivamente puede sumar.

Esta mujer ahorra alrededor de $ 350 por año usando este desafío de ahorro de dinero y un año, ¡incluso ahorró $ 1,000!

¡No está mal solo por un poco de cambio de repuesto!

26. Guarda tu dinero en una botella

El objetivo aquí es llenar una botella de plástico con monedas. Podrías hacer cualquier cambio o solo un cierto tipo de moneda.

Por ejemplo, Si lo hace solo con monedas de diez centavos, ¡se estima que terminará con alrededor de $ 700!

27. Ahorre sus ahorros

La mayoría de los recibos de la tienda le dirán cuánto ha ahorrado de cosas como cupones o ventas en la tienda. ¡Así que es hora de usar esto para su ventaja!

Simplemente mantenga todos sus recibos a salvo de cada semana. Luego, al final de la semana, sume el monto total que dice que ha ahorrado en todos ellos y luego transfiera ese monto a su cuenta de ahorros.

Dependiendo de cuánto compre, esto podría sumar cientos o incluso miles de dólares!

28. Ahorre los pagos de su deuda

Por lo tanto, ha centrado todos sus esfuerzos en pagar su deuda.

En primer lugar, eres increíble, ya que eso es absolutamente en lo que debes concentrarte si te esfuerzas por alcanzar la libertad financiera.

ARTÍCULO RELACIONADO: LA GUÍA DEFINITIVA PARA SALIR DE LA DEUDA

Pero tal vez has sido tan increíble en esto que pronto habrás pagado todo.

(Excepto su hipoteca. Está bien comenzar este desafío si eso todavía está en curso y si su tasa de interés es lo suficientemente baja como para mejorar su dinero extra en ahorros o inversiones)

Esto no solo lo convierte en una potencia financiera, sino que acaba de desbloquear un nuevo desafío genial para ahorrar dinero: ¡ahorrar sus pagos!

Es decir, ¿todo ese dinero que anteriormente estaba destinando a los pagos de su tarjeta de crédito o préstamo de automóvil cada mes? Ahora va a redirigir eso hacia sus ahorros.

Este es un gran desafío ya que claramente ha estado sobreviviendo de una cierta cantidad de dinero cada mes mientras realiza el pago de sus deudas. Para que pueda seguir viviendo de eso, estar libre de deudas Y comenzar a maximizar sus ahorros.

Doble victoria financiera!

29. Compite con alguien más para ahorrar más

Los desafíos para ahorrar dinero son geniales porque te desafían a poner tus finanzas en marcha.

Pero, ¿qué tal si subes de nivel compitiendo contra alguien más?

Ya sea un amigo, su pareja o un miembro de la familia, es una excelente manera de mantenerlo responsable Y tratar de vencer a la otra persona.

¡Ni siquiera tiene que ser uno de los desafíos en esta lista! En cambio, podría ser quién puede ahorrar más en una semana o una meta para que ambos ahorren una cierta cantidad de dinero en un mes.

La persona que pierde (¿aunque realmente está perdiendo si ambos están ahorrando dinero?), Entonces tiene que hacer algo por el otro, como traer el almuerzo para trabajar para ellos durante una semana o pagar la fecha del desayuno al final del período de desafío .

30. Servicios comerciales con amigos y familiares.

Si tiene algún tipo de capacitación especializada en un determinado campo, vea si puede cambiar eso por otras habilidades o capacitación. Esto le ahorra tener que pagar por su área de especialización, y viceversa.

31. Haz un intercambio de casa para obtener alojamiento gratis cuando viajas

Los intercambios de casas están creciendo enormemente en popularidad.

Y no es sorprendente cuando se trata de obtener alojamiento gratuito para sus vacaciones.

Si eso le parece interesante, eche un vistazo a Intercambio de casas.

Es el sitio más grande del mundo que ofrece este servicio con decenas de miles de hogares en oferta.

Simplemente elija a dónde quiere ir, ponga su propia casa allí para que alguien cuide mientras está fuera, y antes de que se dé cuenta, ¡habrá ahorrado una tonelada en sus próximas vacaciones!

¿Busca consejos y trucos para ahorrar dinero? Estos 250 consejos e ideas para ahorrar dinero son para usted. Encuentre grandes ideas para ahorrar dinero en todas las áreas de su vida en este momento, incluidas las formas de ahorrar dinero en comestibles, alimentos, automóviles, niños, teléfonos celulares, entretenimiento y dejar de gastar dinero en cosas innecesarias. ¡Estos son tan fáciles que son los mejores viajes y consejos para ahorrar dinero que encontrarás!

32. Verifique que tenga todas las pólizas de seguro que necesita

El seguro es una de esas cosas en las que no pensamos mucho, hasta que realmente lo necesitemos, y en ese momento puede ser demasiado tarde.

Por lo tanto, compruebe que tiene todas las políticas que necesita y que su cobertura es lo suficientemente buena según sus circunstancias.

Podría ahorrarle literalmente cientos de miles de dólares si algo sucede algún día.

33. Pague su seguro por adelantado

Algunas pólizas de seguro, pero particularmente el seguro de automóvil, le cobran una tarifa si paga de mes a mes.

Así que ahorre su dinero y pague cada seis o doce meses, dependiendo de lo que permita su póliza.

34. Vaciar y deshacerse de su unidad de almacenamiento

Si tienes una unidad de almacenamiento, apuesto a que te costará nombrar la última vez que sacaste algo de ella.

Entonces, en lugar de gastar alrededor de $ 100 por mes en mantener su basura, límpiela, venda lo que no desea (¡dinero extra!) Y deje de pagar más de $ 1,000 por año en cosas que no necesita.

35. Redondea tus gastos

Algunos bancos, como el Bank of America, tienen un programa que redondea sus gastos al dólar más cercano y luego transfiere la diferencia a su cuenta de ahorros.

Por ejemplo, si compra algo por $ 8.73, $ 0.27 se transferirán a sus ahorros.

Es una cantidad tan pequeña cada vez que ni siquiera lo notará, ¡pero se suma rápidamente para marcar una verdadera diferencia en su tasa de ahorro!

Pero si no tiene una cuenta con un banco que ofrezca esto, siempre puede hacerlo usted mismo.

Simplemente inicie sesión en su cuenta, verifique cuánto ha gastado ese día y luego transfiera la diferencia al $ 1 más cercano a su cuenta de ahorros.

(Asegúrese de que sus cuentas corrientes y de ahorro estén en el mismo banco o no incurran en cargos por transferencias entre ellos).

¿Y realmente quiere acelerar sus ahorros? ¡Intente redondear a los $ 10 más cercanos y ahorre la diferencia!

Esto suena como un dolor, pero fácilmente lleva menos de un minuto. Inicie sesión, verifique sus transacciones para el día, calcule la diferencia, transfiera.

Boom, haz que llueva.

36. Usa tu imaginación

¿Está considerando comprar un televisor nuevo por solo $ 1,000?

En lugar de sacar tu tarjeta, imagina a alguien con $ 1,000 en efectivo, tal vez agitándola como un abanico hacia ti.

Parece mucho dinero, ¿verdad? Bueno, eso es porque lo es!

Ahora pregúntese si realmente necesita el televisor o si su televisor actual está perfectamente bien, ya que prefiere tener todo ese dinero.

37. Haga una lista de casi ramas

Digamos que te encuentras en una tienda a punto de comprar una chaqueta nueva que quieres pero que en realidad no necesitas.

En lugar de tratar de evitar comprarlo, agréguelo a una lista que debe llevar en todo momento (Google Keep es una excelente opción gratis).

Esta lista expondrá todas las cosas que pensó comprar en un momento. Incluso puede agregar el precio de cada artículo si lo desea.

Pronto verá la cantidad de cosas que casi compró y cuánto le costó, así como la rapidez con la que todo puede sumar.

También le mostrará cuánto no necesita estas cosas, dado que ha sobrevivido perfectamente bien sin ellas antes.

38. Juega duro para conseguir con tu dinero

Para que este truco funcione, debe mantener la menor cantidad de dinero posible en su cuenta corriente diaria, y el resto debe mantenerse en una cuenta de ahorros más difícil de alcanzar.

Esto significa que cuando vaya a comprar algo, primero verifique su cuenta diaria. Ahora dite a ti mismo que eso es todo el dinero que tienes que gastar antes de fin de mes.

Esencialmente, te estás imaginando a ti mismo tan arruinado como sea posible. Y cuando estás en una situación tan grave, ¿realmente necesitas esos zapatos nuevos?

39. Obtenga excelentes ofertas de personas que están entrenando

Obtener cosas como cortes de cabello u otros tratamientos de belleza de los estudiantes es una excelente manera de obtener servicios profesionales por precios mucho más baratos.

Están supervisados ​​de cerca, por lo que el resultado siempre será bueno. ¡Y ahorrar dinero siempre es bueno también!

40. Use el valor futuro de sus ahorros como motivación para ahorrar más ahora

Claro, puede parecer difícil comenzar a ahorrar cuando decide ahorrar, por ejemplo, $ 500 por mes.

Entonces, una forma de motivarlo para que continúe es ver qué podría valer esto en el futuro.

Chimpancés de dinero Calculadora de interés compuesto es simple: ingresa cuánto dinero tiene actualmente, cuánto planea ahorrar cada año, la tasa de interés de estos ahorros y cuánto tiempo planea continuar haciéndolo.

¡Entonces puedes ver exactamente cuánto dinero tendrás después de ese tiempo!

Digamos que tienes 30 y no has guardado nada. Pero desea comenzar a ahorrar $ 500 por mes hasta que se jubile a los 65 años. Planea invertir este dinero Fondos indexados S&P 500, que tienen una tasa de rendimiento promedio de alrededor del 7%.

Para cuando se jubile, tendrá poco menos de $ 890,000. ¡No está mal por haber invertido $ 210,000 en total!

SABER MÁS: EL PRINCIPIO QUE GARANTIZARÁ SU FUTURO FINANCIERO

Consejos para ahorrar dinero en sus cuentas

41. Guarde su dinero en una cuenta bancaria de alto interés

Si su dinero no genera intereses, simplemente está tirando dinero en efectivo. Si bien es cierto que no es una gran cantidad de dinero, es absolutamente mejor que nada.

Por eso definitivamente recomiendo Cuenta de ahorros Premier High Yield de CIT Bank. Tiene una anual tasa de interés de 1.55%, que es 22 veces mayor que el promedio de EE. UU.

Todo lo que necesita es un depósito mínimo de $ 100 y está listo para comenzar.

¿Busca consejos y trucos para ahorrar dinero? Estos 250 consejos e ideas para ahorrar dinero son para usted. Encuentre grandes ideas para ahorrar dinero en todas las áreas de su vida en este momento, incluidas las formas de ahorrar dinero en comestibles, alimentos, automóviles, niños, teléfonos celulares, entretenimiento y dejar de gastar dinero en cosas innecesarias. ¡Estos son tan fáciles que son los mejores viajes y consejos para ahorrar dinero que encontrarás!

42. Cambiar a una cuenta bancaria sin cargo

Realmente ya no hay razón para pagar comisiones en sus cuentas bancarias cuando hay tantas opciones excelentes sin comisiones.

los Cuenta bancaria CIT mencionado anteriormente es completamente libre. Alternativamente, si prefiere no realizar operaciones bancarias en línea, verifique si sus cooperativas de crédito locales pueden ofrecer un servicio similar.

43. Pague todas sus facturas primero cada mes

Una de las peores cosas que puede hacer es llegar a la fecha de vencimiento de cada una de sus facturas y darse cuenta de que no tiene suficiente para hacer los pagos mínimos.

No solo es terrible para su puntaje de crédito pero puede le costará literalmente decenas de miles de dólares en intereses adicionales y recargos.

Así que asegúrese de pagar al menos los pagos mínimos de cada factura antes de gastar dinero en otra cosa.

De esa manera, no solo evitará costosos cargos por pagos atrasados, sino que sabrá exactamente cuánto le sobra para el resto del ciclo de pago.

44. Abrir una cuenta de jubilación

Si aún no tiene una cuenta de jubilación abierta, como una 401 (k), esta debería ser su próxima prioridad.

Después de todo, al abrir esta cuenta ahora, se está preparando para la jubilación al permitir que su dinero crezca sin tener que hacer nada.

También conocido como: la magia de interés compuesto.

Por supuesto, esto solo funciona si está haciendo contribuciones regulares, por lo que definitivamente debería considerar enfocarse una vez que su cuenta esté configurada.

45. Aproveche al máximo las contribuciones igualadas que ofrece su empleador

Una de las mejores partes de invertir a través de un 401 (k) es que el dinero que pones allí no está sujeto a impuestos hasta que lo retires, que debería ser cuando te jubiles.

En ese momento, es probable que se encuentre en un nivel impositivo más bajo porque sus ingresos serán menores de lo que eran cuando ganó el dinero originalmente.

Esto significa que pagarás menos impuestos en el dinero que asigna a su 401 (k) de lo que lo haría si simplemente lo pusiera en una cuenta normal, lo que significa más dinero para usted al final del día.

Sin embargo, una de las mejores ventajas de un 401 (k) es que su empleador puede ofrecer igualar una parte de sus contribuciones 401 (k).

Seamos claros: esto es dinero gratis y sería una locura no aprovechar esto tanto como sea posible.

Por lo tanto, debe hacer todo lo posible para maximizar su 401 (k) para obtener todas las contribuciones igualadas de sus empleadores.

46. ​​Verifique su puntaje de crédito

Asegurándome de que verifique regularmente su puntaje de crédito es muy importante ya que le permite saber de inmediato si las cosas están donde deberían estar o si necesita comenzar a trabajar para mejorarlo.

Esto puede ahorrarle una tonelada de dinero si está considerando endeudarse pronto, como una hipoteca, ya que un mejor puntaje de crédito generalmente significa mejores términos de préstamo, como tasas de interés más bajas.

Esto significa que un buen puntaje de crédito literalmente puede ahorrarle decenas de miles de dólares.

Afortunadamente, es muy fácil verificar esto solo verifica tu puntaje de crédito gratis aquí.

ARTÍCULO RELACIONADO: ¿CUÁL ES LA PUNTUACIÓN DE CRÉDITO MEDIA POR EDAD (Y CÓMO PUEDE COMENZAR A MEJORAR LA SUYA HOY)

47. Revise su informe de crédito

Debieras regularmente vigile su informe de crédito, especialmente si cree que necesitará endeudarse, como una hipoteca, en el futuro.

Al hacer esto, verá rápidamente si hay algo que no debería estar allí, como errores o fraude, que puede tener un efecto masivo en la reducción de su puntaje de crédito.

Nuevamente, esto es fácil de hacer, simplemente obtenga su informe de crédito gratis aquí.

Te recomiendo que establece un recordatorio para ti mismo para verificar esto cada tres meses. Comprobar con más frecuencia que eso realmente no logrará mucho, pero verificar con menos frecuencia podría permitir que un problema se escape, lo que podría crear problemas más grandes para usted en el futuro.

48. Construir un fondo de emergencia

Siempre es bueno tener a mano de tres a seis meses de gastos de manutención, en caso de que ocurra algo y necesite acceder a ese dinero rápidamente.

Después de todo, las sorpresas financieras desagradables a menudo son caras, por lo que siempre es bueno estar preparado para ahorrar dinero a largo plazo, como tener que endeudarse para pagar la sorpresa.

Significa que es un gran objetivo tener que ahorrar dinero.

Y lo mejor que puedes hacer es mantener este dinero en un cuenta de ahorro de alto interés como esta para que pueda ganar interés en ello.

49. Negociar para que se eliminen las tarifas de la cuenta

Si aún no tienes un cuenta gratuita, aún puede hablar con su banco para que no se le cobren los cargos de su cuenta.

¡Hice esto en mi tarjeta de crédito y no he pagado honorarios en años!

¿Lo importante para recordar? A un banco le cuesta aproximadamente $ 1,000 en costos de comercialización reemplazarlo como cliente. Así que realmente quieren tenerte.

Lo que, a su vez, te da más poder de negociación.

Mira aquí solo cómo negociar la exención de los cargos de su cuenta (incluido un guión a seguir).

50. No se aplican cargos por sobregiro

Si bien las tarifas por sobregiro apestan, si se debe a un error único de su parte y no a algo que hace regularmente, definitivamente puede renunciar a estas.

¡Especialmente porque realmente pueden sumar!

Entonces Este artículo le mostrará cómo renunciar a los cargos por sobregiro.

¿Busca consejos y trucos para ahorrar dinero? Estos 250 consejos e ideas para ahorrar dinero son para usted. Encuentre grandes ideas para ahorrar dinero en todas las áreas de su vida en este momento, incluidas las formas de ahorrar dinero en comestibles, alimentos, automóviles, niños, teléfonos celulares, entretenimiento y dejar de gastar dinero en cosas innecesarias. ¡Estos son tan fáciles que son los mejores viajes y consejos para ahorrar dinero que encontrarás!

51. Refinancia tus préstamos estudiantiles

Refinanciar sus préstamos estudiantiles puede ahorrarle literalmente miles de dólares cada año.

En particular, un sitio web como Creíble puede hacer todo el trabajo duro por usted.

Especialmente cuando ahorra a los solicitantes un promedio de $ 18,668 cada uno.

haga clic aquí para obtener más información sobre Credible y ver de forma gratuita! qué ofertas pueden estar disponibles para usted.

52. No pague tarifas de cajero automático

Las tarifas de los cajeros automáticos solo pueden parecer unos pocos dólares cada vez, pero es un desperdicio.

Por lo tanto, asegúrese de retirar solo efectivo en la caja registradora (si está disponible en su país) o en los cajeros automáticos de sus propios bancos.

Además, algunos bancos ofrecen reembolsos de tarifas de cajeros automáticos hasta cierto monto. Consulte con su banco si ofrecen eso (o vea si puede negociarlo como un beneficio adicional para su cuenta)

53. Use una tarjeta de recompensas (… con cuidado)

Si está seguro de que puede confiar en usted mismo con una tarjeta de crédito que puede pagar totalmente en su totalidad cada mes, entonces considere obtener una tarjeta de recompensas que le devuelva efectivo o puntos de viaje cada vez que la use.

That way, you wont even realise youre saving while you spend!

54. Take advantage of your cards added benefits

Did you know that in many cases, if you buy plane tickets with your credit card then you get automatic travel insurance?

Many people dont know this and end up buying a separate insurance policy – which is money that could be spent on your actual holiday!

Other cards provide free extended warranties on items that you purchase with them or insurance for rental cars that are paid for with the card.

So give your bank a call or read the fine print to see what your card may give you.

55. Create a plan to get out of debt

If you have any debt, it should absolutely be your main financial priority to pay it off as quickly as possible.

This can seem easier said than done, but its actually far more straightforward than you think.

Esta step-by-step guide to pay off debt shows you exactly how to do it.

By following this process, youll be out of debt before you know it.

56. Negotiate better interest rates on your credit card

If your credit score (which you can check for free here) has improved since you got your credit card, then youre well-placed to negotiate your interest rates.

Follow these tips on how to negotiate with your bank and see how you can start to save money on your credit card repayments straight away.

57. Look into credit card debt consolidation

Consolidation of your credit card debt isnt a Get Out of Jail Free card on your debt and sometimes its more worthwhile to focus on just paying it off instead of trying to consolidate it.

But if youre interested in consolidating your credit card debt, make sure you read the fine print before signing on to anything. In particular, make sure youre aware of what happens after any special offers during the introductory period are over, to make sure that you dont end up paying more than you are now.

Este artículo sets out some additional things to consider. Spoiler alert: the first point on the list is to check your credit score and your credit report.

So get your credit score for free here y your credit report for free here.

Again, this is easy to do simply get your free credit report here.

58. See if there are discounts for automating bill payments

Some providers or lenders (like those providing student loans) offer a small discount if you automate your payments. While it may only be 0.5%, every little bit counts!

59. Dont pay your bills late

Late payments on bills are such a waste of money. Mainly because theyre completely avoidable.

While you could make a calendar reminder on your phone two days before a bill is due, I prefer to automate my finances so all of my bills are paid automatically.

It means far less work for me as I dont have to do anything each month and no possible way of getting slugged with late fees!

60. Review every bill for mistakes

Mistakes happen. Unfortunately, theyre rarely the Bank error in your favour type of mistake and are more likely to involve you paying a few dollars more without realising.

So take a few moments to check all of your bills when they come in. Most mistakes are usually innocent and are easy to fix – as long as you take the time to contact the company involved.

Looking for tips and tricks to save money? These 250 money saving tips and ideas are for you. Find great saving money ideas in all areas of your life right now, including ways to save money on groceries, food, cars, kids, cell phones, entertainment and to stop spending money on unnecessary things. These are so easy  theyre the best money saving trips and tips youll find!

61. Get free debt counselling

If you feel like your debt is getting too much to handle, don’t be afraid to seek outside help.

In particular, Consumer Credit Counseling Services offers free counseling sessions of up to 90 minutes.

Their debt counselors will work with you completely confidentially to help you to make a budget based on your circumstances and to work out options on how to tackle your debt, including negotiating with your creditors.

How to save money on food

62. Make a meal plan

Meal planning is one of the best ways for you to save a ton of money on your food.

After all, youll know exactly what you and your family will eat for the entire week so youll only buy exactly what you need.

That said, I fully acknowledge that it can be hard to figure out what to eat for an entire week in advance.

So what I do to make this easier for me is to use Plan de comidas de $ 5.

It costs just $5 a month y le envía planes de comidas cada semana, incluidas recetas y listas de compras.

La cantidad de dinero y tiempo que he ahorrado vale mucho más de $ 1.25 por semana. Y mejor aún, las recetas solo cuestan alrededor de $ 2 por persona, por lo que mis billeteras están aún más felices.

63. Bring lunch to work every day

Buying lunch at work every day can quickly add up. In my case, I almost died of shock when I realised that my daily $7.40 sandwich at the cafe downstairs from my office cost me $1,800 over an entire year.

So with just a tiny bit of extra effort to include lunch in my meal planning (which usually simply involves making a bit more food and taking leftovers), Im saving a ton of money.

64. Dont go grocery shopping when hungry

Its been shown time and time again that people who buy groceries when hungry spend more.

So eat before you leave the house or bring a snack to save those dollars.

MORE INFO: HOW I SAVED $300 ON MY GROCERY BILL IN ONE MONTH

65. Make food in advance

If youre keen to save both time and money, making your food in advance – or meal prepping – is a lifesaver.

For me, I spend about one hour every Sunday afternoon making 10 to 12 meals. They all then go into the freezer, ready to simply be pulled out in the morning to take lunch to work or to grab after work to heat up for dinner.

Which makes it equivalent to one hour of work producing enough meals for every weeknight dinner for the next two weeks!

If youre keen to find out how to get started doing it yourself, I really recommend this FREE Freezer Cooking Workshop.

66. Only buy fresh produce thats in season

It may be obvious, but youll pay far less for fruit and vegetables when theyre in season.

However, you may not know that its not only about the upfront cost of these items.

Produce in your supermarket thats out of season will also go off much quicker than when its in season due to what needs to be done to keep it fresh in the off-months.

Luckily, were here to help! Grab your list of seasonal produce below and start shopping smarter.

67. BYO coffee

You dont have to give up your latte habit to get rich but moderation is key.

In particular, giving up your daily Starbucks purchase can save you a ton of money over time.

Instead, bringing your own coffee can save you literally thousands of dollars each year.

This is the travel mug that I use and I really recommend it the auto-seal makes it great for not spilling coffee all over my shirt each day!

And when a latte at the cafe around the corner from my office building costs $6, the fact that Im saving over $1,500 a year is pretty good too!

68. Become an at-home barista

and following on from the previous point, the potential coffee savings continue!

Ive taught myself to enjoy instant coffee, but if you cant lower yourself to my level, then you dont have to make a choice between saving money and your caffeine addiction.

los Aicook Espresso Machine costs less than $40, which is significantly less than the Nespresso equivalents. And the coffee it produces is just as good!

Add in the cost of a bag of beans every few weeks and some milk and youll easily be saving more than $1,000 each year compared to if you bought the same thing every day at Starbucks.

69. Drink water from the tap

The cost of bottled water can really add up over time – not to mention the fact that its terrible for the environment.

So consider carrying a water bottle like the one I use which you can then simply re-fill during the day.

I also use this water pitcher with a filter at home. Its kept in the fridge so I always know I have cold, fresh, FREE water ready and waiting!

MÁS INFORMACIÓN: 11 INCREDIBLE IDEAS TO SAVE MONEY AND SAVE THE PLANET

70. Buy your groceries online

By buying your groceries online, youll not only make sure that youre sticking to your list, but youll be able to see straight away how much your total spending is.

I love this trick as Im usually way too embarrassed to remove things once I get to the cash register and realise that the total is more than I wanted to spend.

But online grocery shopping lets me do that in just one click!

To see if this helps you save, click here for a free 30-day trial of AmazonFresh.

Looking for tips and tricks to save money? These 250 money saving tips and ideas are for you. Find great saving money ideas in all areas of your life right now, including ways to save money on groceries, food, cars, kids, cell phones, entertainment and to stop spending money on unnecessary things. These are so easy  theyre the best money saving trips and tips youll find!

71. Dont always buy things in bulk just because theyre available

A lot of people buy in bulk because they think theyre saving money. But how much mayonnaise do you really need?

Not only could you get sick of having THAT much of it, but it could expire by the time you get through a few bottles.

If its something like toilet paper, then buying in bulk is fine. But for things that can go off, just buy standard amounts to save money.

72. Try eating meat-free for at least a few days per week

Its been recommended that humans seriously cut back on beef consumption to help reduce the effects of climate change.

But in addition to this, switching to some vegetarian meals is also far better for your wallet!

Search for anything with lentils and beans – theyre super cheap to buy in bulk and you can make some amazingly delicious and filling meals with them.

73. Grow your own herbs

A small bunch of fresh basil costs a few dollars, which is more than the cost of plant seeds. So why not just grow the herbs yourself and have a never-ending supply!

If you want the full set-up done for you, take a look at this herb growing kit.

74. If you cant grow your own fresh herbs, only use dried herbs in recipes

That said, fresh herbs only last a few days so if you cant grow your own and simply cut off what you need from the plant, its far cheaper to just buy dried herbs.

They last forever, taste exactly the same in the final result and your money will go a lot further!

75. Only cook using what you already have in the pantry

If you havent jumped on the meal planning train, another option is to use  a free website like SuperCook to figure out what to have for dinner tonight.

Just tell it what ingredients you already have and it will tell you some recipes you can follow.

Perfect for not having to spend anything extra at the supermarket!

76. Check the per unit price when grocery shopping

When one packet of something appears to cost less than another packet of the same thing, take another look to check what youre paying per unit.

It often turns out that the item thats cheaper on the price tag actually has less product than the more expensive one, meaning that youre paying more overall.

Just taking a minute then to check the unit price can save you thousands on your grocery shopping over the course of a year.

77. Only shop on the edge of supermarkets

Supermarkets almost always keep fresh food (which is generally cheaper overall) around the perimeter with the packaged food further in the store.

This means that sticking to the edge of your supermarket can not only save you money, but your food will be healthier too!

78. Shredded food is shredding your money

If I could survive solely off cheese, I would. So I always like to have some cheese in the fridge to add to whichever meal needs it.

And its super easy to just have a packet of shredded cheese on hand at all times. Except did you ever stop and think what youre paying for the convenience of it already being shredded?

You pay far less for a block of cheese and get far more in total. And when it only takes a few minutes to grate the entire block, its well worth the savings.

The same applies for things like grated carrot. Sure, its easier to just buy it in a packet.

But its not that much harder to buy actual carrots and spend a few minutes grating them when you get home.

So despite the slight amount of inconvenience, stopping myself from buying pre-shredded food was an easy decision.

79. Buy generic brands

I mentioned above that part of the problem with spending too much money on household goods is that we get into a habit.

After all, if youve always bought a certain brand, its easier to just keep doing so.

But a very slight shift can have a real impact on your savings. Especially if you switch from name brand to a generic one.

After all, you dont need a specific brand of dishwashing liquid when the one thats less than $2 will do the same job.

So Id recommend taking a few moments to think about the things that you buy regularly and consider just why you keep buying them.

If its because of brand loyalty or I cant be bothered finding another one then taking another look at the cheaper things that are on offer next time youre at the supermarket.

ARTÍCULO RELACIONADO: 17 THINGS TO STOP BUYING TO SAVE MONEY

80. Get an instant pot for instant savings

This is one of those things that youve heard people rave about but youre slightly suspicious that theyre only saying it because they may have joined a cult (see also: CrossFit).

Pero el Olla instantánea can absolutely save you money.

Por ejemplo, de acuerdo con Este artículo, it reduces the temptation to eat out, uses very little energy, reduces your households overall energy consumption by not overheating your kitchen like an oven or stove and cuts back on your grocery bill.

So while it may seem like a lot to spend around $100 on a kitchen appliance, the potential cost savings far outweigh the purchase price!

Looking for tips and tricks to save money? These 250 money saving tips and ideas are for you. Find great saving money ideas in all areas of your life right now, including ways to save money on groceries, food, cars, kids, cell phones, entertainment and to stop spending money on unnecessary things. These are so easy  theyre the best money saving trips and tips youll find!

81. Make sure your freezer is big enough for your household

Meal planning and cooking in bulk ahead of time can be a godsend if youre trying to save both time and money. After all, if your food is already prepared, youre far more likely to bring your lunch to work or eat at home instead of paying to go out.

However, to do this properly, you often need to freeze your food so it stays edible for the week. If you only have a tiny freezer, this may not be possible.

Having a proper freezer can also be great if youre buying in bulk at the supermarket.

So if youre really trying to save money on your food costs, consider investing in the biggest freezer you can afford and that can fit in your home.

No, its not the sexiest purchase on this list. But given that a good freezer should last a decade at least, youre looking at saving tens of thousands of dollars on food costs over that time.

82. Make sure you have enough food storage containers (that dont leak)

Following on from the previous point, its definitely easier to save money by bringing lunch to work if you have something to bring it in that actually works.

I use these Lock & Lock storage containers. Having six of them means that I can get my whole weeks worth of lunch ready at once (with one spare for when I inevitably leave one at the office on the weekend) and they stack neatly in the fridge or freezer, ready to be used.

And at the end of each day, they just go straight into the dishwasher.

Im usually in a rush in the morning, so being able to grab one of these as I run out the door has saved me thousands of dollars in lunch costs compared to if I bought an $8 sandwich at the cafe downstairs every day.

83. Frozen vegetables are just as good as fresh ones

Frozen vegetables have just as many – if not more! – nutrients than fresh ones. Theyre also a lot cheaper and wont go off if you dont use them in a few days.

So stock up on things like frozen beans and corn when theyre on sale to make sure you always have cheap options on hand in your freezer.

Ways to save money when shopping

84. Always go shopping with a list

Whatever you do, dont go shopping without a list.

Either youll buy too much and waste money (especially if its food that goes off) or youll forget to get something and have to go back to the shop, which increases your chance of spending more money the next time you go.

85. Get cash back on your online shopping

When shopping online, a super easy way to save money with zero effort is to always make sure youre doing it through Swagbucks.

It gives you cash back on all your purchases at literally tens of thousands of online stores through gift cards for places like Starbucks, Walmart, Amazon and even PayPal – which is essentially like getting cash.

Mejor aún, si tú regístrate gratis a través de este enlace (which takes about 10 seconds), obtendrás un Bono de bienvenida de $ 10.

MORE INFO: 12 MANERAS SIN ESFUERZO PARA GANAR DINERO MIENTRAS COMPRAS

86. Get cash back on your in-store shopping

If youre shopping in-store, join Ibotta to get cash back on your purchases by scanning your receipt when youre done. The video below will show you how easy it is.

Y si tu sign up for free here youll get a Bono de bienvenida de $ 10 if you redeem your first offer within two weeks.

87. Clip digital coupons

If youd rather save money by using coupons, then youll love the convenience of Coupons.com.

It lets you search and print off coupons in seconds rather than having to buy and go through a newspaper. Way faster and cheaper!

88. Before buying anything, work out how long it will take you to earn what youre about to spend

An easy way to deter yourself from buying something is to figure out how long it will take you to earn the money youre about to spend.

All you need to know is your (after tax!) hourly income.

Say youre thinking of buying a new $700 TV and you earn $15 per hour.

Is that phone worth 47 hours or almost six days of work?

89. Only take cash when shopping

When used properly, credit cards can be a great tool in your financial arsenal.

But thats only if you have the self-discipline to pay them off in full each month.

If, however, you find that having plastic in your wallet is too much of a temptation, then simply leave it at home!

This will force you to stop spending money by only letting you spend what youre carrying rather than tapping into your credit or debit cards.

90. Remove your credit card details from online shopping sites

It can be super convenient to have your credit card information saved on your favourite sites.

But that convenience can come at a (literal) cost.

So by removing these details, youll be forced to take a bit of extra effort before making that purchase.

And that extra effort may just be the push you need to not spend money on whatever it is you were considering buying.

Looking for tips and tricks to save money? These 250 money saving tips and ideas are for you. Find great saving money ideas in all areas of your life right now, including ways to save money on groceries, food, cars, kids, cell phones, entertainment and to stop spending money on unnecessary things. These are so easy  theyre the best money saving trips and tips youll find!

91. Take advantage of Amazon Prime

Amazon Prime is one of those things that I always recommend for saving a ton of money over time, making it more than worth the price.

Some of the things you get are:

  • Free two-day shipping (and free same-day delivery if its available in your area)
  • Access to streaming of thousands of TV shows and movies
  • Bonus deals for students
  • Unlimited photo storage
  • Unlimited access to over one thousand e-books, audiobooks and magazines

haga clic aquí para free 30-day Amazon Prime trial – or, if youre a student, Registrate aquí para gratis six-month trial.

And of course, you can cancel at any time before paying!

92. Take a moment to think of your financial goals before buying something

If youre thinking of buying something because Its only 50! or Its on sale!, then this can be a great deterrent.

Lets say that youre trying desperately to get rid of your credit card debt.

If your minimum payment is $200 per month, that $50 purchase could go a long way towards your next monthly payment.

Or, even better, you could put it towards paying even more than the minimum payment!

Como Este artículo shows, paying an extra $100 per month from your credit card debt can save you almost $8,000 in interest and more than ten years of repayments.

So those few extra seconds of imagining a magical dreamworld of having no debt (TEN YEARS in advance) may be just what you need to walk away from your potential purchase.

93. Stay away from stores unless absolutely necessary

If you find yourself wandering around the mall to kill time, its time to find another hobby.

After all, the temptation can be too much for many of us and we may find ourselves spending money just cause were bored.

94. Impose your own cooling off period

Online shopping makes it dangerously easy to spend money with only a few clicks.

Even just popping into the mall for one thing can quickly cause your spending to spiral out of control.

So place your own rules on your spending habits to trick yourself into saving money.

For example, for any purchases under $100, force yourself to wait at least two days before buying it.

Youll likely find that you dont need the item or, if youre anything like me, that youre too lazy to go back to the shop to get it.

For anything over $100, consider implementing a rule that says that you can only buy the item if you wait two days per $100.

Thinking of buying the new iPhone with that $1000 youve wisely saved up? Wait just under three weeks before going ahead to see if you really, truly need it.

95. Dont think that you deserve to buy something as a reward

If youve been sticking to your budget and saving money diligently, thats amazing! Seriously!

But dont blow it all by rewarding yourself with something that will undo all your hard work.

At the same time, its fine to give yourself something small to motivate you to keep going.

For example, if you save $1,000 in one month, you could say that youre allowed to treat yourself to a beauty treatment of under $50.

Figure out what works for you (without it eating into your savings too much) and that small bit of spending may help you save a lot more in the long term.

96. …And dont feel like you need  a reward if things havent gone so well

One of the worst things you can do when youre trying to stop spending money is to go over budget for whatever reason and then tell yourself oh well, Im already over, lets go shopping.

S**t happens. But if you fall off the non-spending wagon, dust yourself off and get back on it.

Buying yourself something extra because the damage is done does nothing but hurt your finances more.

If youre feeling a bit down after a spending failure, you could take inspiration from some of the 50 ideas for a no-spend weekend artículo.

Take a look at the list and find a few free things to do to make yourself feel better.

That way, youre immediately going back in the right, non-spending direction!

97. Rent or buy used textbooks

If youre a college student, youre probably well aware that textbooks  can easily cost more than one thousand dollars every single year.

So instead, look into buying used textbooks or even renting them just for the semester.

Amazon Textbook Rentals is a great place for this and can save you serious money.

And if you do choose to buy your textbooks, even if you buy them used, you can use that site to sell them on to someone else at the end of the semester to get your money back.

98. Dont buy things just because theyre on sale

This is something thats sucked all of us in at one stage or another.

Oh, but its reduced to $40, what a steal!

Except that thats $40 that you wouldnt have otherwise spent.

So resist the temptation to walk into a store because a sale is on. Unless you really, truly need the item, the best way to save money in a sale is to not spend any money at all.

99. Dont buy something that you might need one day

If you do end up needing that thing, buy it then. Until then, dont buy something that you might need.

Because if you dont end up needing it? Youve just spent money unnecessarily AND you have to find somewhere to put this useless thing.

Double ouch.

100. Save money on a new laptop

A computer is a necessary expense these days, but theres no question that they can be super expensive.

So if you need a new one, consider buying a refurbished laptop.

These are pre-owned products that are fully cleaned out and returned to almost brand-new status.

They also often come with a similar warranty to the new version, so youre covered if there are problems.

And, most importantly, you can save hundreds of dollars.

For example, a brand new MacBook Air starts at $999.

Sin embargo, this refurbished MacBook Air on Amazon only costs $474, including a one year-warranty.

Thats more than 50% off the original price and it works just the same!

One tip is to make sure you only look at computers that are listed as being certified refurbished so you know they work.

But other than that, this is a great way to get an (almost) brand new laptop for way less than youd otherwise pay!

Looking for tips and tricks to save money? These 250 money saving tips and ideas are for you. Find great saving money ideas in all areas of your life right now, including ways to save money on groceries, food, cars, kids, cell phones, entertainment and to stop spending money on unnecessary things. These are so easy  theyre the best money saving trips and tips youll find!

101. Buy second hand clothes

Shopping at thrift stores can reveal some amazing gems. So instead of buying brand new clothes, check your local thrift store for some second hands ones which are just as good – and often 90% off the new price!

102. Put things you want to buy online in the shopping cart and then wait one to two days to buy it

Companies will often send you a reminder email 24 hours after you show interest in an item, reminding you to buy it – and this is often accompanied by a discount code to encourage you to seal the deal.

And waiting may help you realise that you dont even need the thing at all, saving you even more money!

103. Have a clothes swap

We all have clothes that we bought that are sitting unused in our cupboards. So instead of just throwing them away and buying new clothes, host some friends and do a clothes swap,

You never know what treasures your friends could have waiting for you to take!

104. Research every large purchase

Never assume that the advertisement telling you that something is the BEST PRICE EVER is telling you the truth.

Similarly, a lot of stores pretend to add a discount to items to get you to buy them – when really the discounted price is the actual starting price.

So make sure you do your research, both online and in-store, before any big purchase.

Also, if you want to buy something from one specific store, bring proof of better prices in other shops (including online). They may just match or beat the better price.

105. Look for hidden fees

You may appear to be getting a good deal on something, but check that there arent any hidden fees.

Things like excess usage, maintenance fees or early termination fees can really add up. So know what youre agreeing to.

106. Consider if you really need that extended warranty

Extended warranties are rarely a good deal and are renowned for existing simply to make more money for the seller.

Look into what you already are getting in terms of the warranty, especially when buying bigger items which are probably covered by consumer protection regulations as well as the basic warranty offered by the manufacturer. You may find that extending this isnt worth it.

107. Stock up on non-perishables if theyre on sale

There are some things that we need all year round, not only when theyre on sale.

So if you see a great deal, stock up! Even if you get a years worth of supplies, thats a ton of stuff that you wont have to buy at full price for a long time.

108. Consider buying floor stock/open box appliances

Open box appliances are usually items returned by a customer that are then re-sold at a discount. Theyre perfectly fine (sometimes with a scratch), except for that they didnt meet someone elses needs.

Similarly, floor stock is also often almost as good as new. As long as you can live with some small scratches, youre likely to get a massive discount on the item.

109. Dont pay for AA batteries, paper or pens

Stores like Staples often have specials where if you mail in a rebate form, youll get these items for free. So keep an eye out for offers like that and stock up when you can.

110. Get permission before any big purchases

This works best if you share your finances with someone, such as your husband or wife, but it could also be done with a partner with whom you have separate accounts or even a good friend who is also trying to save money.

It works like this: for any non-necessary purchases (so things like groceries are fine), make a rule that you each have to seek permission from the other before buying anything over, say, $40.

You could either call or send a message, but having to take those extra few moments to justify your spending can act as an excellent deterrent.

It can also serve as a reality check as to whether you actually need the item when your partner or friend sends back a really? message after you explain why you truly need that box set of Buffy DVDs.

(I mean, obviously you do. Its Buffy, after all.)

Looking for tips and tricks to save money? These 250 money saving tips and ideas are for you. Find great saving money ideas in all areas of your life right now, including ways to save money on groceries, food, cars, kids, cell phones, entertainment and to stop spending money on unnecessary things. These are so easy  theyre the best money saving trips and tips youll find!

111. Save your non-spending

This is similar to the idea of saving your savings and works if youve successfully talked yourself out of buying something unnecessarily.

Say youre tempted by a new piece of tech but you manage to walk away. Great job!

Why not give yourself an even bigger gold star by transferring the cost of the item to your savings account?

This is doubly tricky as it can even serve as a great deterrent from buying the item in the first place if you know youll be using the money this way instead!

112. Turn saving into a competition

Find a friend whos also keen to get their spending under control then set a challenge for both of you.

This could be who can save the most in a week or a goal for you both to save a certain amount of money in a month.

The person who loses (although are you really losing if youre both saving money?) then has to do something for the other one, like bring lunch to work for them.

113. Freeze your accounts…literally

This ones an easy trick. Simply take your bank cards and freeze them in a block of ice.

Theyll still be completely usable unless you try to microwave the ice to make the cards defrost faster, in which case theyll be destroyed.

Instead, youll have to wait for the ice to melt if you want to use them and do you really think you can bother waiting that long to buy something you probably dont need?

114. Use your PIN to help you save

Saving for a holiday in August 2019? Make the PIN on your bank card 0819.

That way, whenever you go to use your card, youre reminded of just how that money could be used instead.

You could do the same for your passwords on online shopping website. Say youre aiming to retire by the end of 2025. Your password could be Dec2025, reminding you that each thing you buy online is one little step further away from your goal.

This trick can also be used with your regular savings. To use the holiday example, you could transfer $19.08 (i.e. 2019 + August) to your savings account each week or, with the retirement example, $122.50 (i.e. December (12) + 2025 (25)) each month.

And if youre ever tempted to stop the transfers, just think about what those numbers represent!

115. Picture your savings – on your bank cards

Did you know that some banks allow you to set your own picture on your bank cards? Use this to remind yourself of good savings habits by putting, say, a photo of your kids on your card if youre trying to get out of debt.

Or, if youre saving for a holiday, make the card a picture of your destination. If your bank doesnt do this, you could always just wrap a photo around the card.

This is doubly effective at tricking yourself as it requires a tiny bit of extra effort in order to use the card.

Those few seconds could see you realising that you just maybe dont need the item youre about to buy at least not as much as what the photo represents to you.

Tips and tricks to save money on entertainment

116. Meet for breakfast or lunch instead of dinner

If youre overdue for a catch-up with friends or youre looking for a more budget-friendly date with your other half, consider going out for breakfast or lunch instead of dinner.

Its often much cheaper – and you may even have more time to get up to date on whats going on without bedtime looming!

117. Have a meal at home instead of going out

An even cheaper option is to host dinner at home rather than going out.

You could even make it a potluck so all of your guests contribute a dish to share the expenses around – or you make the food and they bring the drinks.

118. Look for good deals before you go out

If you really want to go out for a meal, make sure youve signed up for a website like Groupon to get email alerts about great deals on restaurants in your area.

They always have hundreds of restaurants in major cities offering two-for-one vouchers on meals, meaning a quick check on there could immediately save you 50% of your meal!

119. Cut the cable

Not only is cable expensive, but its completely unnecessary these days.

Especially, ahem, when youre supposed to be studying.

But if you do really need your TV fix, then instead of getting cable, look into one of the streaming services.

Como se ha mencionado más arriba, Amazon Prime lets you stream thousands of TV shows and movies, so you wont need anything else to keep up to date with your favourite show.

And when you get a free trial, youve got nothing to lose (and a lot of money to gain!) by checking out the shows and movies that it has on offer.

haga clic aquí para free 30-day Amazon Prime trial – or, if youre a student, Registrate aquí para free six-month trial.

120. Drink alcohol before going out

Something to take you back to your college days…but if you plan to drink while you’re out, having a few drinks before you go out can save you a ton at bars and restaurants.

And for some extra cash, you can also follow this strategy to get money back for buying alcohol.

Looking for ideas on how to save money? These 250 money saving tips are for you. Find great tips to save money in all areas of your life right now, including ways to save money on groceries, food, cars, kids, cell phones, entertainment and to stop spending money on unnecessary things.

121. Only order water if you go out for a meal

Both alcoholic and non-alcoholic drinks are insanely marked up at restaurants. So try to limit yourself to only water when youre out.

After all, youre there to enjoy the food, right?

122. Cancel your gym membership

Studies have shown that the vast majority of people with gym memberships dont go enough to get their moneys worth.

So consider cancelling your gym membership – especially when there are tantas formas de ponerse en forma gratis.

123. Have a no-spend weekend

Whats a no-spend weekend? Well, its exactly what it sounds like: a weekend where you dont spend a cent.

¡Por supuesto, esto puede ser un desafío! Gran parte de nuestra vida social gira en torno al gasto de dinero que puede parecer imposible tener una vida mientras se ajusta a un presupuesto.

Afortunadamente, hay muchas formas de pasar un buen rato gratis.

For some great ideas, see: 50 FREE THINGS TO DO ON A NO-SPEND WEEKEND

124. Sign up for any community newsletters or Facebook groups to hear of free local events

You’ll be amazed to see what many local communities have on every weekend – and often they cost nothing to go to!

125. Cancel magazine subscriptions

Theres no need to pay for magazines anymore as the same information can  be found online.

And if you need to get your magazine fix, you can read them for free at the library.

126. Join your local library

If you havent been to the library lately, be prepared to be amazed at all of the free stuff on offer books (including audiobooks), magazines, movies, music andelectricity home monitoring kits?

Echa un vistazo a this post para ver lo que su biblioteca local puede ofrecer.

127. Have a movie night at home instead of going to the cinema

Instead of going to the cinema, which can easily cost $50+ for a family of four, you could watch one of those movies that you picked up for free at the library in the previous section.

Or did you know that you can watch thousands of películas gratis en Amazon?

128. Allocate a certain amount to fun stuff each month and once its gone, its gone

This is part of the strategy youll follow if you create a budget using the 50/30/20 rule but as a first step, try establishing a set amount for any fun stuff next month and dont go over it.

Its good practice for budgeting and will make sure that the rest of your money is being put to good use by paying off your debt or going towards your savings.

It also means that you get to have SOME fun, which is a key part of any financial overhaul – as if you dont, you probably wont stick to the budget for the longterm.

129. Make a list of free things to see in your hometown (and actually go to them)

Put your hand up if theres a museum or art gallery or something similar in your hometown that youre definitely going to go to one day but havent.

All of you? Well, its time to make time for them – especially if they have certain days where theres free entry!

130. Change to ebooks from paperbacks

While weve mentioned before how the cheapest way to get books is for free from your library, thats not always an option for everyone.

While this may not be the most inexpensive thing on this list, it can save you a ton of money if you love reading.

Ive owned a Kindle for seven years and its still going strong. And with hundreds of books on it, Ive easily saved thousands of dollars compared to if I bought them all as hard copies not to mention saving my back from carrying them around while travelling.

For example, as touched upon earlier in this list, one of my favourite personal finances books is The Millionaire Next Door. At the moment, the hardcopy costs $13.88 while the Kindle version costs $8.53.

Thats a $5 saving and many other Kindle books cost less than half of that.

And given that a Kindle Paperwhite can hold around 1,100 books, youre potentially saving more than $5,000.

Looking for tips and tricks to save money? These 250 money saving tips and ideas are for you. Find great saving money ideas in all areas of your life right now, including ways to save money on groceries, food, cars, kids, cell phones, entertainment and to stop spending money on unnecessary things. These are so easy  theyre the best money saving trips and tips youll find!

131. Volunteer at local events

Many local events, like concerts and festivals, have free admission for volunteers.

This means that if you donate an hour or so of your time to check tickets or to sell drinks, they’ll let you stay for the rest of the event for free!

How to save money on kids

132. Buy only what babies actually need

Stores and parenting blogs are full of recommendations of what you should buy for your newborn.

Before buying everything on their lists, consider going shopping with a friend whos already a parent.

Theyll be able to tell you what youll Realmente need to keep your newborn alive – not what the stores want to sell you.

133. Check Facebook groups and other community pages for baby clothes and equipment

Babies grow fast, meaning that any new clothes bought for them really arent worn for that long.

This means that youll often find parents selling cheaply or even giving away baby clothes and equipment when their own children get too big.

Take advantage of this and get some near-new clothes and equipment far cheaper than you would from a store.

134. Trade babysitting nights with friends

Sometimes you just NEED a kid-free night. Unfortunately, if youre on a budget, that can really be problem.

So ask a friend who has kids if theyll watch yours as well for a night – and then offer to swap them on another night, so your friend also gets a night off!

135. Buy second hand toys for your kids

In most cases, your kids wont know or care that somethings not brand new – theyll just be thrilled to have something new to play with.

Although make sure you give the toy a good clean, just to get rid of anything lingering from the last owners.

136. Get free books from Dolly Parton

Dolly Partons Imagination Library is a fantastic program where free books are mailed to children from birth to age five every month. If you have a young child, its an incredible idea!

137. Keep kids birthday parties simple

Instagram really has a lot to answer for in terms of our budgets. And that includes kids birthday parties.

You absolutely dont need the over-the-top circus that we often see online.

Have a crafts table, some simple games and a cake – thats pretty much all you need.

Pass the Parcel is still just as fun when the prize comes from Dollar Store, after all!

138. Have a simple schedule for your kids

While theres a lot of pressure for your child to be in every team and play every instrument on the planet, both you and your child will enjoy a more simple schedule.

And it will save you a lot of money too.

So let them sign up for one thing at a time. If they end up not liking it, they can change at the end of the semester.

But your mental and financial health will be much better without all that running around!

Money saving tips at home and for living expenses

139. Only live in as much house as you need

It can be tempting to feel like we should buy or rent the biggest home we can afford, but if youre looking to save money, downsizing to only what you need can really help.

Not only will you save on rent or mortgage repayments, but you wont have to pay to furnish a bigger home. Youll also save on heating and cooling costs.

140. Move closer to school or work

This can be a tricky one to balance as often moving closer can result in higher housing costs.

But consider the amount of money spent on transport costs, not to mention the reduced commuting time which can do wonders for your wellbeing.

Ideally, youd be able to live close enough to walk, ride or take public transport to work or school, allowing you to get rid of your car(s).

So do the maths and see what works best for you financially.

Looking for tips and tricks to save money? These 250 money saving tips and ideas are for you. Find great saving money ideas in all areas of your life right now, including ways to save money on groceries, food, cars, kids, cell phones, entertainment and to stop spending money on unnecessary things. These are so easy  theyre the best money saving trips and tips youll find!

141. Turn the heater down a couple of degrees

Heating costs can be a huge part of your budget each winter.

So try turning down the heater a couple of degrees and put on a sweater instead.

You wont notice the difference, but your bills will

142. Turn off the tap while brushing your teeth

Not only does this save money on water, but its great for the environment too!

143. Avoid long showers by not washing your hair every day

Its been shown that washing your hair every day actually encourages oil production, making your hair greasier more quickly…and making you need more showers.

To break the cycle and to save time and money (and the planet!), train your hair to last longer between washes.

144. Switch off the lights when youre not in the room

This is another simple money saving tip thats also great for the planet.

145. Turn off the TV when you leave the room

This is especially the case if you only keep it on as background noise.

146. Use a clothesline or drying rack for your laundry

Dryers are one of the biggest energy users in your house, which costs you a ton of money.

They also wear your clothes down more quickly than day-to-day wear, meaning you have to replace them sooner than otherwise.

Instead, I either use an outside clothesline or an indoor drying rack (Im currently using this one)

There is no noticeable difference in how my clothes feel. I certainly feel the difference in my bank account though.

147. Try to fix things yourself before hiring someone to do it for you

Jobs that seem difficult to do may not actually be that hard in practice. Of course, this isnt referring to things like electrical wiring.

But if something in your home isnt quite working like it used to, check YouTube for how to fix it instead of hiring someone.

You may find that youre more capable than you thought!

148. Check your air filters

Air conditioning can easily be the most expensive part of summer, so making sure yours is working as efficiently as possible is great for saving you money.

So before summer comes around again, check your air conditioning ducts and change your filters.

Theyre not the cheapest things around but dirty filters mean that your air conditioner has to work harder. Meaning more money for you.

If you find yourself forgetting, you can use Amazons subscribe and save option for filters, where theyll send you new filters at a reduced price as frequently as you tell them to. Descubre más aquí.

149. Always do full loads of washing

Making sure that you always wait until you have a full load of laundry to wash can save you a ton of money in the long run compared to multiple smaller loads.

150. Do laundry in cold water

Most detergent these days works just as well in cold water as in hot. And by not heating the water, youre saving money!

Looking for tips and tricks to save money? These 250 money saving tips and ideas are for you. Find great saving money ideas in all areas of your life right now, including ways to save money on groceries, food, cars, kids, cell phones, entertainment and to stop spending money on unnecessary things. These are so easy  theyre the best money saving trips and tips youll find!

151. Check your refrigerator seal

As your fridge is on all the time, its important to make sure that its running as efficiently as possible. And if its leaking cold air because of an old seal, then its also leaking money.

So as a quick and easy way to save some money, you can get a new refrigerator seal and then easily install it yourself.

152. Seal your windows

Like with the fridge, having cold air getting in (or warm air getting out) of weak window seals can cost you a lot of money in wasted heating costs.

So before winter rolls around, consider checking your windows and resealing those where even a little bit of air is getting through.

Esta weatherseal self-stick tape is cheap and super easy to install.

153. Use fans

Sabías that a central AC unit has an average cost of $129.60 per month while a fan only costs an average of $1.20 per month?

So to save yourself over $128 per month, consider using fans next summer instead of air conditioning.

This one is cheap and portable, so it can follow you around your house if you dont want to buy one for each room.

154. Dye your hair at home

Home hair dye has come a long way in the last decade. If youre worried, watch some YouTube videos to show you how to do it.

When you could easily save more than $100, its worth learning how to do it.

155. Do home spa treatments

Going to a spa for even just a manicure or pedicure can really start to add up. And a facial can easily cost more than $50.

So why not simply do it yourself at home! There are plenty of recipes online for at-home face masks and with a bit of practice, an at-home manicure can look just as good as one that you get at a spa.

156. Dont get sucked in to marketing hype for your skincare

Im all for looking after yourself but it has to be budget-friendly. I also dont want to waste my time.

And this is why Ive cut my skincare routine down to what works and what wont cost me the earth.

We get bombarded with ads about this new cream and that miracle cure when science has shown that there are only a few key ingredients needed to do the heavy lifting.

So why not consider cutting your skincare routine down to an affordable level that actually works?

SABER MÁS: THE BEST BUDGET SKINCARE PRODUCTS (THAT ACTUALLY WORK)

157. Get a roommate

Living costs are often the biggest expense in any budget. So consider getting a roommate if you have a spare room to offset some of your own costs, whether it be to cover some of your rent or your mortgage payments.

158. Put a room on Airbnb

Airbnb is a great way to earn some extra cash to help cover your rent or your mortgage payments, especially if you live in an area thats popular with tourists.

haga clic aquí to find out more about hosting Airbnb guests and, if youve never been a guest yourself, click here for $25 of Airbnb credit for your first stay.

159. Rent out your car park

If you have a spare parking space or an empty driveway, you can rent it for free on sites like JustPark.

You can even choose to make your spare space available only during certain times, like during the day when you and your car are at work.

160. Pay your rent in advance

If youre renting, ask your landlord if its possible to get a discount by paying some or all of your rent in advance. Whether its three months, six months or an entire year, they may be willing to negotiate the total amount if theyre getting some or all of it upfront.

Looking for tips and tricks to save money? These 250 money saving tips and ideas are for you. Find great saving money ideas in all areas of your life right now, including ways to save money on groceries, food, cars, kids, cell phones, entertainment and to stop spending money on unnecessary things. These are so easy  theyre the best money saving trips and tips youll find!

161. Ask for an energy audit from your electricity provider

Did you know that many electricity companies provide an energy audit? Its free for them to do and can save you thousands of dollars.

It involves the company checking for energy leaks and providing recommendations how to stop them, like resealing your windows, replacing old and inefficient heaters/air conditioners and more.

Check if your company offers this as its a great way to easily save some serious cash.

162. Open your windows if the weather is good

So many of us are in the habit of simply turning on the air conditioner that we forget about how good a bit of natural cooling can be!

Instead, try simply opening all of the windows. Not only is it nice to air the house out every once in a while but its completely free!

163. Dont waste money on cleaning supplies

Its a not-so-well kept secret that white vinegar can replace pretty much all of your cleaning supplies. Heres how (along with a bunch of other things it can do).

And when you can buy half a gallon of vinegar for $4, youd be crazy not to keep a bottle of this on hand at all times.

Similarly, baking soda is another quiet overachiever to always make sure you have in your pantry.

And when this pack costs less than $4 for 5 lbs. of baking soda, its the best money youll ever spend particularly as it will last you forever!

Take a look at these 20 ways to use baking soda for cleaning y un whole bunch of other uses here y aquí también.

164. Toss the paper towels

I, personally, prefer not to buy paper towels.

En lugar, these reusable sheets can each be washed and reused 100 times with one roll replacing 429 paper towel rolls.

Thats crazy good value, much easier for you to store around the house and unbelievably better for the environment.

MORE INFO: 9 ITEMS TO ALWAYS HAVE ON YOUR SHOPPING LIST TO SAVE YOU MONEY

165. Consider alternative feminine hygiene products

Ladies, lets give a special thanks to our bodies for forcing us to spend money each month.

Luckily, theres a cheaper, more environmentally friendly and WAY more convenient option.

Youve probably heard about menstrual cups before but they may seem a bit strange or scary.

Trust me, while the first time can take a few attempts to figure out how it works, once youve got it, it will be the best decision youve ever made.

You cant feel a thing, it can be ignored for longer than disposable options and they can last up to 10 years!

This is the one that Ive used for years now, which I picked because the reviews said that its softer and more flexible. And I agree with both those points

Id really recommend it, but there are a ton of other options available out there which are all just as good depending on what youre looking for

166. Ditch expensive cosmetics

It can be really easy to get sucked in to the marketing hype that you absolutely must pay a lot of money for good cosmetics.

No es verdad. For example, out of the top 20 best-selling mascaras on Amazon, 13 of them are under $10. So clearly the cheap drugstore options are doing something right.

And having tried some of the more expensive options in my time, I honestly cant tell the difference between them and my personal choice: this $5.64 Maybelline mascara.

Do some research on sites like Makeup Alley y Makeup Addiction on Reddit to see how you can replace your expensive routine with a far more cost-effective one.

167. Dont overpay for lip balm

I get super dry lips so always have to have some lip balm on hand to make sure my mouth doesnt peel off.

Lanolin is the gold standard in keeping your lips protected. Unfortunately, popular options like Lanolips charge way too much compared to how much product you actually get.

So instead of paying $20 for 0.8 ounces of Lanolips, I pay $8.79 for 1.4 ounces of lanolin nipple cream!

Its exactly the same product for 1/4 of the price per ounce! And its not like anyone will know or care that youre rubbing nipple cream on your face.

168. Dont spend good money on shaving gel

No need to spend your hard earned money on shower gel conditioner does the job even better!

Just buy the cheapest conditioner you can find and lather it on. It lasts for ages and is great for moisturising your legs.

And I suppose it goes without saying that youll save even more money if you use it on your hair as well!

169. Switch your showerhead for a more efficient one

Showering is one of the main ways that households use water, making up around 17% of residential water use (fuente)

But that much water obviously costs money, so any savings you can make on such a big chunk of your households spending is going to have a real effect on your finances.

So to save as much as you can on your shower costs, consider getting a High Sierra High Efficiency Showerhead. At just under $40, youll easily make that money back in a few months.

(Dont believe me? Ésta persona did the math on this exact showerhead and determined that this will help you save between $50 to $150 in water costs each year plus around $67 PER PERSON annually in water heating costs.)

170. Use LED bulbs in your home

While LED light bulbs cost more to buy upfront than regular bulbs, the cost savings over time can be substantial.

Por ejemplo, Este artículo states that a LED bulb that replaces a 60-watt incandescent (i.e. regular) bulb will save $132 in electricity over the life of the bulb, assuming power costs of $0.10 per kilowatt per hour. The articles notes that thats equivalent to more than 25,000 hours or 17 years of using a bulb four hours a day.

Fortunately, LED bulbs are also coming down in price. Esta 12-pack of LED bulbs costs only $3.23 per bulb.

Considering the potential savings, youd be crazy not to try them.

Looking for tips and tricks to save money? These 250 money saving tips and ideas are for you. Find great saving money ideas in all areas of your life right now, including ways to save money on groceries, food, cars, kids, cell phones, entertainment and to stop spending money on unnecessary things. These are so easy  theyre the best money saving trips and tips youll find!

171. Use solar powered lights for any outdoor lighting

There are other great ways to save money on lighting. If you have an outdoor area in your home with decorative or security lighting, consider using solar powered lights instead of paying for electricity to keep them on all night.

It means that once youve bought them, theyre free to use forever! Well, or until your dog chews themor maybe thats just our family.

Esta 12-pack of solar garden lights are great for lighting up paths and this motion sensor solar powered light is great for keeping your home safe without burning a hole in your budget.

172. Get a hair clipper/trimmer and cut your partners (or your own!) hair

If you dont have to go to a hairdresser, than why would you?

Thats why buying a hair clipper/trimmer can save you a fortune. This one costs less than $20, for example, which is less than it costs my partner to go and have his hair cut at the cheap hairdresser down the road.

There are some great YouTube videos to teach you how to cut your partners hair or even how to do it to yourself! And when youre making your money back in only one cut, why not give it a go?

173. Turn off your electronics on the wall

Have you heard of vampire power? While it sounds cool, its actually referring to the power that your electronics are sucking up even when not in use or when turned off. Which, of course, equals wasted money.

So save a few dollars (and help the environment!) by unplugging appliances instead of leaving them in standby.

174. or buy a smart power strip to save you the hassle

Of course, you may think that you wont actually be able to commit to turning everything off on the wall all the time.

Instead, you can get a smart power strip like this one which doubles as both a surge protector and a nifty little thing that shuts down electronics when it detects that theyve gone into standby mode.

And this can save you a ton of cash. Por ejemplo, Este artículostates that experts believe that standby power consumption in an average home ranges from 5% to 10% of your household energy consumption.

Depending on how much your house spends on energy, that can be a significant amount of money ready for you to save!

175. Reflect the sun and attract the savings

This is an interesting one if youre looking to save on cooling costs in your home.

Solar cling wrap can be cut to fit your door or window and reflects the sun so your home stays as cool as possible. This means less spent on air conditioning and, as an added bonus, the frosted look gives you more privacy. There are also other versions that are tinted like sunglasses, if youd prefer that look

As it clings using static, you can even peel it off in the winter when you want more natural heat and it wont damage the windows.

This is a super cheap and easy way to save on energy costs, especially if you have a window or glass door where you cant put up thermal curtains.

176. Get a programmable thermostat

Heating costs can become astronomical in winter, so anything you can buy to save money in this area can have a huge effect on your finances.

In particular, programmable thermostats can save you hundreds of dollars each winter. They let you set it up so that the heater shuts on and off automatically.

This can be great for having it turn off during the day when youre out and in the middle of the night when youre asleep.

(I also read a tip that its great to have for family members or roommates who are prone to turning the heat up too much and costing everyone too much money, as some of them are password protected meaning the person in question will be locked out from changing the temperature.)

Esta Honeywell programmable thermostat is one of the cheaper ones on the market and has great reviews. And considering how much money it can save you, you should really look into getting one.

After all, winter is coming

177. Fix your clothes instead of throwing them away

Got a small hole in your shirt or the hem on your pants has dropped? Rather than giving up (or paying good money to a tailor), YouTube can show you just how to fix these things yourself!

Heres a cheat way if youre a bit out of practice at sewing: fabric glue can be just as good at mending things!

178. Use less product than whats recommended on the packet

Modern dishwashers and washing machines use much less water and detergent than before. At the same time, detergents have become far more concentrated.

Esto significa that most people use 10 to 15 times the amount of soap they need – which is just pouring money down the drain!

You probably wont be surprised to hear that companies still recommend that the old amounts of detergent and other things be used. Probably because it means that youll use more of their product and have to buy it more frequently

So save some money and reduce the amount of product you use. Chances are you wont even notice the difference.

179. Lower the temperature on your water heater

Did you know that having your water heater set at 140F/60C instead of at 120F/49C, your water heater can be wasting more than $460 annually?

So consider lowering your water heater’s temperature to 120F/49C. It can save you a ton of money while still being considered safe for the majority of the population (source).

Ways to save money on car expenses

180. Get rid of (at least one of) your cars

Cutting down to one car in your household can clearly save you a lot of money.

And an even better money-saver is to have no cars at all!

I havent owned a car in seven years, which has saved me thousands of dollars in insurance costs, maintenance, registration and gas…not to mention the actual price of the car.

While this may not be possible for you depending on where you live, its definitely something to consider if youre watching your budget.

Looking for tips and tricks to save money? These 250 money saving tips and ideas are for you. Find great saving money ideas in all areas of your life right now, including ways to save money on groceries, food, cars, kids, cell phones, entertainment and to stop spending money on unnecessary things. These are so easy  theyre the best money saving trips and tips youll find!

181. Downsize your car

En The Millionaire Next Door, it was found that most millionaires in the US drive used, late-model vehicles. Similarly, according to this article, Warren Buffett drives a $45,000 Cadillac DTS and Mark Zuckerberg has a $30,000 Acura TSX.

Itll be news to no one to hear that new cars lose value the moment you drive them out of the show room. But theres also no reason to have a big, fancy car that will simply cost you more over time.

So consider downsizing your car to a size and model that fits your budget. Then drive it for as long as you can – not until a new, flashy car catches your eye.

182. Check gas prices before filling up

GasBuddy lets you search for gas prices in cities throughout the US and Canada.

So when your gas light comes on, jump on there to find the cheapest prices in your area to make sure youre not over-spending.

183. Plan your day to save on transportation costs

Does this sound familiar: you drive home from work, forget you needed milk so you drive to the shop, come home and then go an hour later to pick your daughter up from soccer practice

Over time, all of those extra miles on your car can add up to cost you a lot more in maintenance.

And thats not even mentioning the cost of gas.

So keep lists for what you need to do, what you need to buy and where you need to go. It will save you not only money, but a ton of time.

184. Unload what you dont need from your car

If youre like me, youve definitely left things in the trunk of your car for too long.

Whether youve forgotten about them or youll get them next time, you may not have thought about the fact that all that extra weight is also costing you extra money in gas to haul around.

That means that it can save you money by simply removing everything that doesnt need to stay in there.

(Leave your spare tyre and repair kit though!)

185. Check the air in your tyres

Inflating your tyres properly is much better for your gas usage than if you havent checked them in a while.

It also means that theyll last as long as possible – and given that tyres can be really expensive to change, this is an easy money saving trick.

186. Follow your cars maintenance schedule

Keeping your car regularly maintained helps to avoid costly emergency repairs in future. Its also far better for the resale value and can be a requirement for the warranty to stay valid.

187. Check youre not paying too much for your car insurance

It can be easy to simply renew your current car insurance policy because its too much work to shop around.

Luckily, its actually no work at all!

The Zebra allows you to compare over 200 different car insurance companies at once for free.

Simply enter in your details and see in just a few seconds whether you can get a better deal than your current policy.

188. Dont buy a new car as soon as youve paid off your car loan on the old one

A lot of people see paying off their car loan as an achievement (which it is!) that deserves a reward – of a new, bigger car with a new, bigger loan.

Instead, think about whether you really need a new car of if your existing one does the job perfectly well.

After all, theres a reason that, as mentioned above, it was found in The Millionaire Next Door, hat most millionaires in the US drive used cars.

189. Get back on the bike

This is one of those tips that you see on personal finance blogs all the time and for good reason.

Riding a bike instead of driving a car saves you not only the cost of the car itself, but also expenses such as gas, parking, insurance, registration, maintenancenot to mention the health benefits which can also save you money in the long run!

UNA standard road bike may be a fairly substantial upfront investment for some people. But its absolutely money well-spent when those several hundred dollars can immediately save you thousands on car costs.

190. Drive slower

Sabías that its been found that driving at an average of 70 MPH compared to 65 MPH will save you only four minutes for every hour on the road but will cost you an extra $46 in gas costs?

So slow down and save more!

Looking for tips and tricks to save money? These 250 money saving tips and ideas are for you. Find great saving money ideas in all areas of your life right now, including ways to save money on groceries, food, cars, kids, cell phones, entertainment and to stop spending money on unnecessary things. These are so easy  theyre the best money saving trips and tips youll find!

191. Save money on your commuting costs by driving for Uber or Lyft during your commute

A great way to save money on your commuting costs is to use that time to earn some extra cash!

Specifically, if you drive to work, sign up for Uber o Lyft and drive people along your route.

Its essentially getting paid to carpool!

(And if youre not currently an Uber user, haga clic aquí to get $20 credit towards your first trips.)

192. If youre selling your car, do it privately

While it can be more hassle, selling a car privately can often get you thousands of dollars more compared to if you go through a dealer.

So if youre willing to put in a bit of extra effort to get some extra money, take a look at these tips for selling your car privately.

Tips and tricks to save money on your phone

193. Get a better deal on your cell phone

¿Es usted uno de los casi la mitad de todos los usuarios de teléfonos celulares en los Estados Unidos que gastan $ 100 por mes o más en sus teléfonos? O tal vez usted es parte del 13% de los usuarios de teléfonos celulares que pagan al menos $ 200 por mes (fuente)

Eso es entre $ 1,200 a $ 2,400 por año en su teléfono.

And besides the fact that this is damn expensive, its also a problem as most of us are paying for way more than we actually use.

Por eso recomiendo Republic Wireless.

They start at $15 per month for unlimited talk and text and then cost only $5 per month for each GB of 4G data you chew through.

So you literally only pay for what you use – and save a ton in the process.

SABER MÁS: CÓMO AHORRAR FÁCILMENTE DINERO EN SU TELÉFONO CELULAR

194. Dont upgrade your cellphone in a two year cycle

A lot of phone companies lock you into a two-year contract with a new phone. What this often ends up meaning is that at the end of the contract, youll upgrade to a new phone.

And even if you buy your phone outright instead of on a plan, its accepted for some reason that at the two year mark, its time for a new phone.

But this isnt the case at all. The vast majority of cellphones will still work perfectly well after two years of use.

Theres also absolutely no reason why you need to pay what is often a TON of money for a new one when its not much of an upgrade from your existing one.

Ive had my current Samsung for 3.5 years and only now is it starting to slow down a bit. But with a hard reset, it was almost good as new and Im counting on it having at least another year in it before thinking about a replacement.

See how long yours can last too!

195. If you need a new phone, buy it one model down

At the time of writing this, the second most recent model of the iPhone is over $250 cheaper on Amazon than the current version.

This is despite the fact that theres not a huge difference between the two.

So if youre in the market for a new phone, try saving some money by going at least one model down.

The phone will still work perfectly well and youll be able to save hundreds of dollars in the process.

196. Check the actual cost before upgrading your phone contract

Its not really a surprise to hear that one of the most expensive parts of using a cell phone is actually buying it in the first place.

I always prefer to buy mine outright as its consistently cheaper than doing it through a contract.

Firstly, it means that Im not locked in to one provider, so I can shop around for the best deals for my actual phone service.

Secondly, phone providers are sneaky when offering you an upgrade.

After all, they may say that theyre willing to extend the great deal that youre getting on your phone plan and will even throw in a brand new phone for only $20 extra per month! What a deal!

Eh, probably not. $20 extra per month equals $480 per year.

Over a two year plan, thats almost $1,000 – which is likely to be more than the cost of buying it outright.

So see if its cheaper to buy the phone outright then go on a less expensive plan or even prepaid, like the service mentioned above from Republic Wireless.

197. Get rid of your landline phone

If you have a landline that youre paying for, you should really consider getting rid of it. Chances are youre also paying for a cellphone that you use way more.

Instead, cut the landline to cut your phone costs

(This will also let you avoid paying phone taxes in some areas!)

198. Protect your phone

While phones are now made to survive more drops than they used to, theres no question that smashing your screen is an annoying and expensive event.

In fact, its often the case that replacing the screen can cost more than the value of the phone.

So save yourself some heartache by making sure your phone is protected if you drop it. Algo como this phone case is cheap, slim enough to look and feel good, but sturdy enough to provide some protection.

And when you can easily get a good case for less than $20, which is often a tiny percentage of the cost of repairing a dropped phone, its definitely a good financial investment.

Money saving tips and ideas over the holidays

199. Dont blow your budget for Christmas, Thanksgiving etc. – as its only one day

We all understand the pressure to make the holidays the best, most festive time ever.

You begin to feel that if you dont meet the standards set by every holiday movie ever, then you are an absolute failure as a human being.

Desafortunadamente, esos estándares cuestan dinero. Mucho dinero.

Money that would be far better spent on paying off your credit card debt or adding to your investments.

While creating memories with your loved ones is clearly something to treasure, you should always keep in mind the following:

It is just one day.

And theres no point bankrupting yourself for good memories.

Your kids will survive if they only get one gift or none at all.

And your family will be fine with whatever they get to eat at Thanksgiving.

Lo importante es estar con sus seres queridos, ya sean amigos o familiares.

E incluso si descubres que solo puedes estar allí por Skype, porque estar allí en persona durante la temporada de vacaciones está fuera de tu presupuesto, entonces eso también está perfectamente bien.

Mientras la gente sepa que estás pensando en ellos, eso es más que suficiente.

ARTÍCULO RELACIONADO: 4 RULES TO FOLLOW FOR A CHEAP AND CHEERFUL CHRISTMAS

200. Buy an artificial Christmas tree instead of a new, fresh one each year

Real Christmas trees may seem beautiful – until you see piles of them dumped after the holidays.

Which is essentially the same as dumping piles of money too.

At the same time, here are some absolutamente hermosos árboles de navidad artificiales and an almost unlimited range of sizes. While some of the larger ones can get above the $100 mark, the mid-sized ones at around $40 (or less!) are just as good.

And they last (practically) forever! The one my family owns has lasted 20 years and will most certainly be brought out again this year.

Además, un árbol artificial no solo funciona como significativamente más barato over time, but theyre far cleaner (no dropped pine needles!)

Looking for tips and tricks to save money? These 250 money saving tips and ideas are for you. Find great saving money ideas in all areas of your life right now, including ways to save money on groceries, food, cars, kids, cell phones, entertainment and to stop spending money on unnecessary things. These are so easy  theyre the best money saving trips and tips youll find!

201. Expensive decorations are unnecessary

Cuando sostiene una decoración navideña brillante en su mano izquierda y una ligeramente más brillante en su mano derecha, puede ser muy tentador ir lo más brillante posible.

Después de todo, su casa se verá mucho mejor, ¿no? So…its fine that the sparklier option is four times the price, right?

Por ejemplo: Este paquete de 24 adornos de bolas de Navidad rojas costs $19.99. Todavía Este paquete de 24 adornos de bolas de Navidad rojas costs $4.99.

What could possibly justify this $15 difference? Sí, hay una ligera diferencia en sus patrones, pero ¿quién recordará eso cuando son simplemente un montón de bolas rojas en su árbol de Navidad (artificial)?

Instead, go for the cheaper option – or make them yourself!

Here are some super simple and super CHEAP tips to help you get your home looking festive this holiday season:

202. Give an experience as a gift

Theres so much pressure to make sure that theres a pile of gifts under the tree each year that everyone seems to ignore the huge cost involved.

Despite the fact that people often forget exactly what they received!

People do remember, however, that time they went abseiling. Or did an art class together. O fue en bicicleta en un parque nacional cercano. O pasó un fin de semana en una cabaña junto al lago.

So why not consider giving an experience as a gift instead.

Groupon offers a nearly unlimited number of options for experiences that you can do with your family, a friend or a significant other, including a range of things that youve never even considered.

Not only are they super well-priced, but its often cheaper to buy vouchers for multiple people at once meaning that you get to join in the fun as well!

(That could also mean that you can buy the same experience for the entire family to do together. Not only are you making memories, but youve just avoided having to think of a present for each person bonus!)

Airbnb también ofrece Experiencias de Airbnb, in which people in cities all over the world provide experiences from tours of local markets to lessons in ancient pottery techniques.

Como beneficio adicional, si aún no es miembro, regístrate en Airbnb aquí para recibir $ 25 de crédito!

203. Give your own self-made experiences

This is a little bit different to the previous point in that it may take a bit more effort but will be appreciated even more (and may be even cheaper).

It can be really easy to get wrapped up in the hectic nature of our day to day lives. So people will truly appreciate it if you give them something that allows them to step away from that, if only for a day.

Entonces, como regalo de Navidad, ofrézcales cuidar a los niños mientras tienen un día para ellos solos. Incluso podría obtenerles algo como un vale de masaje de Groupon for them to spend their spare time.

Offer to take your parents out on a dinner date. Puede ahorrar dinero haciendo un picnic (posiblemente tomando un cheque de lluvia hasta los meses más cálidos) o incluso sirviéndoles la cena en su casa.

For your kids, let them have a sleepover party with their friends. Podrías fingir que van a acampar y poner algunas sábanas para las tiendas y hacer una fogata poniendo una antorcha debajo del celofán. Cheap yet effective.

Si solo usa su imaginación, puede pensar en cualquier cantidad de experiencias que pueda crear usted mismo. Not only do these often not cost much (if anything), but theyre always memorable for the recipients.

ARTÍCULO RELACIONADO: 10 HACKS FOR AMAZING CHRISTMAS PRESENTS THAT WONT BLOW YOUR BUDGET

204. Ask for cash/gift cards for gifts

While the thought is lovely, weve all received gifts where we just have no idea what to do with them. Que desperdicio.

Instead, consider asking people either for cash.

You may be worried that it sounds a bit tacky, but try telling them about your financial goals as a great way to keep yourself accountable, show that their gift would truly be appreciated and put to good use AND to perhaps get them on board the money train too!

Alternatively, ask for gift cards to stores where you shop regularly for necessary things. That way, theyre helping you meet your budget goals, which is one of the best gifts you could get!

205. Have a sibling gift exchange if you have a few kids

Esta no solo es una excelente manera de ahorrar dinero, sino que también puede ayudar a enseñar a los niños que gran parte de la alegría de la Navidad proviene de dar, no recibir.

This may be easier with another parent or guardian, who can stay outside a Arbol de dolares with the other siblings.

Mientras lo hacen, puede entrar con un niño para que elijan un regalo de $ 1 (o un poco más si realmente quiere derrochar) para cada uno de sus hermanos. Luego, simplemente repita con cada niño.

Si tiene tres hijos, ¡tendrá un cambio de $ 10!

You could even just do it online. Simply let each kid come into the room individually, select the items on the Arbol de dolares website and then close the tab before the next child arrives!

206. Give secondhand gifts

Cuando era niño, me encantaba leer. Mi etapa rebelde cuando tenía seis años fue escabullir mis libros favoritos a la escuela. Yep, pretty hard core, I know.

Entonces, cuando mis padres me compraron los primeros 100 libros del Babysitters Club en una venta de garaje, no pude haber estado más feliz. Claro, algunas de las esquinas estaban girando y las páginas estaban amarillentas, pero no me importó.

Y estoy seguro de que estaban encantados de que alguien nos los vendiera a todos por alrededor de $ 0,50 por libro o menos del 10% del precio si los compramos nuevos. En lo que a mí respecta, fueron los mejores $ 50 que nadie haya gastado.

So instead of buying everything brand new, check eBay primero para ver si alguien tiene lo que estás buscando.

Las tiendas locales de segunda mano también son una gran fuente de regalos, particularmente para cosas como los juegos de mesa. Que, casualmente, ¡también son una excelente manera de pasar la tarde del día de Navidad!

207. Set a strict spending limit

This can apply both in your own family and if youre sharing Christmas with others. If everyones on the same page about only spending a certain amount per person or even per family there will be no issues about someone getting more than someone else.

And Im sure that those who you suggest this to will be grateful that you raised this as an idea. Como con la mayoría de los asuntos financieros, las personas generalmente dudan en discutir en profundidad la presión financiera en Navidad.

¡Entonces todo lo que pueda hacer para aliviarlo será bien recibido por todos!

208. Set a gift limit

El primer sobrino de mi pareja nació hace un par de años y, con dos grupos de abuelos y varias tías y tíos entusiastas por primera vez, la primera Navidad de estos niños iba a ser enorme.

Entonces sus padres sabiamente les dijeron a todos que solo querían un regalo por casa. That is, one from the maternal grandparents, one from the paternal grandparents, one from her brother and his partner etc.

It was the smartest thing theyve ever done and we were all secretly appreciative of the amount of money this saved us.

You can apply this logic to your Christmas celebrations as well. Dígale a sus hijos (y a su pareja) que cada uno solo recibirá un regalo.

Si realmente quiere salpicar a los miembros más jóvenes de la familia, tal vez diga que Santa les dará uno y que recibirán uno más de su familia.

This is also a good idea for you to suggest if you will be spending the holidays with extended family. Simplemente acuerde de antemano que cada rama de la familia le dará a la otra rama un límite estricto de un presente por persona cada uno.

Incluso podría extender esto para decir que cada rama solo dará regalos a los miembros de la familia en su propia rama. Por ejemplo, le dará un regalo a sus hijos pero no a sus sobrinas y sobrinos.

En ese caso, es mejor establecer un límite actual que se aplique a toda la familia para que los niños de una persona no reciban de repente muchos más regalos que otras personas.

And you could even take any of these one step further and suggest a price limit on everyones presents!

Youll be amazed to see what you can find within a limited budget!

209. Do a Secret Santa

This can be tricky to organise if youre just spending Christmas with your immediate family as it can be hard to do with only a few people.

However, if youll be celebrating with a larger group of friends or some extended family, then this is a great way to tackle the issue of just who you have to get presents for.

Para facilitar las cosas al tratar de resolver esto, intente usar esto organizador secreto de Santa gratis.

All you have to do is enter the participants names and email addresses (or their parents email address for the younger participants) and the website will randomly assign each person a Secret Santa and then email everyone with their allocated recipient. ¡Incluso puede establecer una cantidad máxima para gastar!

210. Pick your present from the pile

A few years ago, we had a large Christmas gathering, so the cost of getting presents for everyone would have been huge.

Fortunately, the host had a great idea everyone would buy one present for less than $15 and wrap it, without telling anyone else what it was.

Todos los regalos se apilarían en el centro de la habitación y los nombres de las personas se extraerían de un sombrero uno por uno.

When your name was called, youd go to the pile and pick one. ¡Puntos de bonificación si pudieras adivinar de quién era!

¡Solo asegúrese de contribuir con un regalo que sea apropiado para los participantes más jóvenes y mayores!

Looking for tips and tricks to save money? These 250 money saving tips and ideas are for you. Find great saving money ideas in all areas of your life right now, including ways to save money on groceries, food, cars, kids, cell phones, entertainment and to stop spending money on unnecessary things. These are so easy  theyre the best money saving trips and tips youll find!

211. Give a homemade present

Este es un viejo pero bueno.

Hay miles de instrucciones de bricolaje en línea para una variedad de artículos diferentes que se pueden crear por muy poco y regalar.

For example, check out Este artículo for ideas for homemade food gifts and a simple Google search will pull up hundreds of ways to make things like body scrubs, bath bombs, glitter bubble bath or soap.

Si te sientes realmente aventurero, ¿por qué no echar un vistazo a algunas de las cosas increíbles (y sorprendentemente baratas) que se pueden hacer en Este artículo.

212. Buy the cheapest card you can (or none at all)

People love to ooh and aah over the Christmas card attached to their presentfor about five seconds, until they throw it to the side and focus on the gift itself.

Some may even say that you dont even need a card the most fiscally (and environmentally) responsible card choice of all!

But for those of you on the card + present train, dont waste too much money on that little piece of cardboard. Esas tarjetas de pantalones elegantes son bonitas, pero por $ 7 o más cada una, prefiero poner ese dinero en el regalo en sí.

En cambio, ahorre el tiempo de seleccionar tarjetas individuales, así como el costo exorbitante involucrado y simplemente compre al por mayor.

Dependiendo de cuántos necesite, vea aquí for a pack of eight cards at $0.69 each, see aquí por un paquete de 24 tarjetas a $ 0.33 cada una y vea aquí for 48 cards at only $0.27 each!

213. Make as much food for your holiday dinner in advance as you can

Nadie quiere estar esclavizado en la cocina media hora antes de que lleguen sus invitados.

So take away some of that stress by including things like soups, stews, casseroles and even certain desserts in your meal plan that you can make then freeze in the weeks leading up to Christmas.

Not only will this avoid a lot of the stress involved in having to prepare food on Christmas Day itself, but it can stretch out the costs of your groceries over several weeks.

For example, you can make half of the Christmas dinner in November and then buy the rest of what you need in the days before Christmas.

This can definitely help with balancing your budget a bit more easily.

Soups and casseroles also have the added bonus of being able to be easily made with a range of different vegetables that are both cheap and filling.

So are you worried about how you are going to feed your army of brothers or your kids who are never not hungry? Aumenta el estofado con verduras (las papas son una opción barata y deliciosa) o incluso un poco de pasta para una forma económica de asegurarte de que no pasen hambre.

ARTÍCULO RELACIONADO: 7 EASY WAYS TO GUARANTEE A FESTIVE YET FRUGAL CHRISTMAS FEAST

214. Plan to include food on your holiday menu that can be made in bulk

¿Esas sopas, guisos, guisos, etc. que hiciste en base al último punto?

Its also really easy to make double the amount in almost the same amount of time it takes to only prepare one serving.

You can then use the extra food as work lunches or, if you have people staying with you over the Christmas period, you can use it to help feed them during the days before or after your main meal.

This is not only much easier logistically, but can help save a ton more money through buying ingredients in bulk!

215. Meal plan your holiday menu well in advance

Weve already mentioned how meal planning can save you a lot of money and around the holidays, thats more true than ever.

It lets you buy food in advance on sale, make things in advance, figure out if others can help out by bringing something…essentially, planning is saving!

If you need some help with this, a great place to start is with this Thanksgiving meal plan costs less than $10 per person.

Estas 21 cheap keto Thanksgiving recipes may also be the inspiration you need!

216. Consider replacing some traditional food options with cheaper alternatives

While there are certain types of food that we are supposed to serve at Thanksgiving or Christmas, these are often also the more expensive options.

So rather than stressing over the added cost that serving (and the time to be spent preparing) a full turkey would involve, for example, keep in mind the most important part: that you will be sitting down with your loved ones, perhaps for the first time in a long time.

Y si se les sirve pollo en lugar de pavo o chuletas de cerdo en lugar de un jamón completo, entonces el único milagro navideño será si se dan cuenta.

ARTÍCULO RELACIONADO: 17 SIMPLE IDEAS TO DO THANKSGIVING ON A BUDGET AND SAVE MONEY

217. Only cook what you actually need

Were often encouraged to have five types of side dishes, six different desserts and the worlds biggest turkey just for it to be a real holiday meal.

In fact, having a mountain of leftovers after Thanksgiving and Christmas has almost become a part of the holiday itself!

While leftovers can be good to save you money on office lunches for the next few weeks, its pretty rare for every single piece of leftover food to be eaten.

And all of that food thats not eaten is money that youre throwing away.

So instead, only make what you actually need.

Dont feel pressured to serve eight different types of each dish, as people dont care.

Seriously, as long as theyre in good company and feel full at the end of the meal, they couldnt care less if theres only one type of side dish.

218. Have a plan for any leftovers

Despite the above point, its probably inevitable that youll have some leftovers.

So have a plan ahead of time on what youll do with any remaining food.

For example, any leftover turkey meat can be used in a casserole. And the remains of the turkey carcass can be used to make stock.

Got some leftover vegetables? Add them to the casserole too or throw them into a soup.

(And all of those things can be frozen after theyve been cooked, so are perfect for you to make ahead of time and then pull out of the freezer when theyre needed!)

219. Dont waste money on expensive name brand food

No one remembers if you choose to serve something that has been made using a cheaper brand. In fact, most of the time, they wont even realise!

(No sé sobre ti, pero no recuerdo una cena a la que haya asistido donde los frascos y paquetes que se usaron para preparar la comida se alinearon para impresionar a los invitados …)

En algunos casos, puede que ni siquiera mejore la comida. Hace unos pocos años, Se realizó una prueba de sabor a ciegas en el Reino Unido de once pudines de Navidad diferentes a varios puntos de precio.

Se descubrió que el más barato en 3.99 ($ ​​5.23) era el claro ganador, superando a los pudines que eran más del doble de su precio.

So if youre tossing up between imported pasta sauce and one made closer to home at half the price, go for the cheaper option. Tus invitados no lo sabrán.

220. Make your menu from scratch (…within reason)

When a crusty baguette that can be frozen and then whipped out to make stuffing costs around $1 and a bag of stuffing mix that is mainly made of bread costs three to four times as much for less product, theres a problem.

In many cases, with barely any more effort, the time spent making your own food from scratch can save you some serious cash.

Stuffing is a great example. En nuestro Thanksgiving on a budget meal plan, we have a super simple recipe for stuffing that only costs $0.36 per person! Thats WAY less than if you were to buy it ready-made.

So there really is money to be saved by doing it yourself.

That said, there are some cases where you should consider whether its actually worth it, especially when theres not a huge price difference.

One example used in that meal plan is the pie shell for the dessert. If you love baking and would rather make it all yourself, then great!

But the cost of buying all the ingredients for the pastry and then the time spent to make it can be close or even equal to just buying a pre-made shell.

So take a good look at your menu and the cost of the ingredients to make it. Then you can make the final decision on just how much is worth making from scratch.

Looking for tips and tricks to save money? These 250 money saving tips and ideas are for you. Find great saving money ideas in all areas of your life right now, including ways to save money on groceries, food, cars, kids, cell phones, entertainment and to stop spending money on unnecessary things. These are so easy  theyre the best money saving trips and tips youll find!

221. Dont be afraid to make frugal changes to a recipe

(I dont mean halving the time for cooking the turkey, unless food poisoning is a Thanksgiving tradition in your family.)

But some recipes ask for four different herbs to be used when just using the one that you already have in your cupboard (or even just salt and pepper) would taste just as good.

Or the recipe may call for a specific type of potato, while you already have another type in your fridge or that particular type of potato is three times the cost of the others.

Its perfectly fine to make changes like this as your guests wont know and the taste of the dish wont be affected.

For example, you probably dont have turkey stock in your cupboard for making gravy but you probably have chicken stock, which is absolutely ok to use instead.

And if you have neither, just add flour and water to the pan with the turkey in it to make some simple yet delicious gravy.

As long as people have a full plate at the end of it, theyll have no idea that you added your own flourishes to the recipes!

222. Use smaller plates

This is a nifty little trick thats healthier for both your body and your wallet!

Its been shown that using smaller plates encourages people to eat smaller portions. This is because theyre less inclined to fill their plate with a towering pile of food that they probably wont eat all of.

So if you provide your guests with slightly smaller plates, theyre more likely to eat less but still be satisfied saving you money in the process.

223. Keep the drink options simple

Theres no reason to feel like you have to serve every type of drink ever invented to your guests. Just having some wine (preferably supplied by your guests!) is more than enough.

And you could stretch it even further by making a signature drink to serve on the day.

For example, our Thanksgiving dinner on a budget meal plan has a delicious recipe of sangria.

This is a great way to stretch your wine to last longer. And the best part about it is you can use a super cheap wine (seriously, boxed wine is the way to go here) and your guests wont even be able to tell!

ARTÍCULO RELACIONADO: HOW TO GET MONEY FOR BUYING ALCOHOL

224. Less can be more when it comes to decorations

Over Thanksgiving, for example, it can be tempting to cover every inch of your home with turkey and pumpkin decorations.

But less can absolutely be more. As youll see in Este artículo, the combination of some apples, candles and branches can make a lovely table arrangement.

Or with some twine and pine leaves, youll instantly have a simple yet elegant napkin ring.

Not only will this save you money, but your home will look beautiful as well!

225. Decorate only with what you have on hand

Theres no need to go crazy buying decorative items when what you already have may be enough.

For example, do you have a vase? Go find some branches and pine cones and with a bit of arranging, youll have your table centerpiece.

Or put the kids to work cutting out paper in the shape of their hands to become a turkey. They color it in, you add each guests name and voila, you have place cards that your guests will love (and that will keep your kids out of your hair for a few hours while you cook).

226. Buy holiday-related items just after the holiday

The cheapest time to stock up on Christmas things is in the days after Christmas. Same with Halloween, Easter and more!

So if you have the storage space, stock up on things like decorations and holiday-themed wrapping paper in the days after the holiday ready for next year.

Youll often pay 90% less than if youd bought it a few days earlier!

227. Be flexible with your travel days over the holiday

Its no surprise that travelling over the holidays is an expensive experience.

But one way to try to save some money is to travel on the day of the holiday itself.

Por ejemplo, este artículo encontrado que los viajeros pueden ahorrar hasta un 33% si vuelan el día de Navidad.

Si eso no funciona para usted, ese mismo artículo encontró que volar el 23 o 24 también funcionará bien, con boletos que son 15% más bajos de media.

La absoluta El peor día para volar en términos de costo es el viernes antes de Navidad, ya que todos intentan maximizar su tiempo de vacaciones durante el fin de semana antes del gran día.

And for your return trip, the tarde o noche de fin de año o la mañana del día de año nuevo tienden a ser los tiempos más baratos, por las mismas razones que se detallan anteriormente.

If you choose the latter option, just be careful not to over-celebrate the night before to ensure a safe drive or a pain-free flight.

MÁS INFORMACIÓN: 5 TRICKS FOR FINANCE-FRIENDLY CHRISTMAS TRAVEL

Ways to earn extra money to save more money

One of the best ways to save more money if your budgets already tight is to make more money!

So check out some of these ideas for side hustles y trabajo desde casa to easily start earning extra cash.

RELATED ARTICLES:

228. Make money while youre killing time

Ever find yourself sitting on your couch aimlessly scrolling through Facebook while the TV is on and realise that youre not paying much attention to either?

Maybe you have to spend time waiting in the car for the kids to finish soccer practice? Or perhaps you spend your commute to work wandering virtually around Pinterest?

(Hopefully, if youre doing that last one, youre taking the bus rather than driving yourself)

Instead of spending your time in that way, why not use the time to make some money?

For example, check out 9 Survey Sites to Make Money Online.

These are some amazing survey sites that, for simply answering a few questions or watching a video, allow you to earn anything from a couple of bucks to $50 per survey.

Its super easy to earn some spare cash from each one, just for spending half an hour or so every few days answering some questions.

And as youre going to spend the time sitting around, you may as well use it productively!

Id recommend starting with Swagbucks. Its easily the most well known of all of the survey sites with a TON of ways to make some extra cash.

And, if you sign up through this link, obtendrás un $10 sign-up bonus. Not a terrible way to waste some time!

229. Use your hobbies to make some extra cash

If youre trying to find a way to earn extra money, why not do something that youre going to enjoy at the same time!

Luckily, there a bunch of fun and creative hobbies that make money, all of which are great ways to earn some extra cash doing something you love.

For some ideas on what you could do, check out this article: 24 FUN AND CREATIVE HOBBIES THAT MAKE

230. Start a blog

If you feel you have something to say that people want to hear, why not consider starting a blog!

Its incredibly easy to start blogging, you dont have to be tech-oriented at all – and it only costs $3.95 per month!

To see just how simple it is, check out this article: HOW TO START A BLOG IN LESS THAN 15 MINUTES

And while it can take some time to build up your blogs earning capacity, its certainly possible to make good money.

The best way to do this is definitely through affiliate marketing. To find out more, check out the course Dando sentido al marketing de afiliación from a blogger earning six figures per month (seriously, thats not a typo).

Looking for tips and tricks to save money? These 250 money saving tips and ideas are for you. Find great saving money ideas in all areas of your life right now, including ways to save money on groceries, food, cars, kids, cell phones, entertainment and to stop spending money on unnecessary things. These are so easy  theyre the best money saving trips and tips youll find!

231. Sell anything you dont use or dont need

Not only does spring cleaning make you feel good, it can be great for your wallet.

For example, got any old electronics lying around, like unused phones or an old computer youre looking to replace? Try Gacela to trade it in for cash or an Amazon gift card.

Or what about things like CDs or DVDs? DeCluttr will pay you for them and will even pay for the postage of the item.

And, of course, there are sites like eBay for selling literally anything.

MÁS INFORMACIÓN: HOW TO MAKE SERIOUS CASH CLEANING OUT YOUR OLD STUFF

232. Teach English online for a few hours each week

Do you have a Bachelors degree (in any field)? Have you had one year of formal or informal training experience?

(This can include anything from tutoring or coaching to mentoring or running a group like a Scout pack or church group)

And are you willing to earn up to $22 per hour with all the materials and other preparations done for you?

If so, consider signing up for VIPKID. Youll be teaching English to students in China from the comfort of your own home, similar to a Skype call.

Theres a reason why Forbes named VIPKID as the number 1 company for people who want to work from home. And theyre hiring more teachers right now!

FIND OUT MORE (including a review from an actual VIPKID teacher): HOW TO GET PAID TO TEACH ENGLISH ONLINE

233. Get paid to listen to music

If youre a music lover, then this ones for you.

Cortar el pastel is the biggest paid review site on the internet. You get to review songs and other things from unsigned artists, with your comments then being passed on to the artists themselves or record companies.

So, really, youre getting paid to shape the future of music. ¡No está mal!

This is an especially great way to make some extra money if, for example, you like to spend time listening to music during your commute to or from work.

Not only will you get paid, but you might discover the next big thing! (Or at least a new favourite band)

Sign up here for free to find out more.

234. Get things for free by signing up to be a product tester

How do you feel about getting to test the newest tech releases and getting to keep the product that you review?

Con ProductTestingUSA, you can do exactly that. For example, here are some of the products that were available to test at the time that I was writing this:

As you can see, these items are worth way more than $100.

You can also take advantage of a number of mystery shopping opportunities through this company. Right now, for example, theyll send you a $200 gift card to buy whatever you want at TJ Maxx and provide a review of your experience.

haga clic aquí to find out more information on how you can get a range of free stuff.

235. Make money just from using your computer

You may have heard of Nielsen from their reporting on TV ratings, but did you know that they do other things too like pay you to use the internet?

Simplemente Registrate aquí to install the app on your computer or phone and Nielsen will pay you $50 per year to track your internet usage for data collection purposes.

Information is collected anonymously, so they cant link it to you, and the app is super small so wont slow your device down.

Better yet, simply by signing up and installing the app, youll be entered into a draw to win $10,000 each month.

Not bad for doing something that youd be doing anyway!

236. Become a virtual assistant

A virtual assistant, or VA, does all the tasks that site owners including bloggers dont have time to do.

So if you think that youd be good at writing articles, looking after emails or running a sites social media page, this could be something for you.

Dont get me wrong there are way more things that a VA can do! If youd like to see a more complete list of the services you can offer, check out this amazing free resource: 150+ Services You Can Offer as a Virtual Assistant (And Get Paid For!).

You can even develop your VA skills in a niche area. Pinterest, in particular, is a VA goldmine.

One great example is Kristin who, within her first six months and in addition to her full time job, averaged $3,600 a month from her role as a Pinterest manager and blogger just as a side hustle!

If youre interested in doing the same, take a look at her FREE Pinterest VA Workbook. It has tips and tutorials on just how you can begin working as a successful Pinterest VA just make sure you do the homework that she sets for you!

(P.S. Speaking of Pinterest, why not follow me here!)

FOR MORE INFORMATION: HOW TO BE A BECOME A VIRTUAL ASSISTANT (AND MAKE $50,000+ WORKING FROM HOME)

237. Become a dog walker

Sus estimado that pet owners in the US spent $6.11 billion on services for their pets in 2017. So theres plenty of room in there for you to make $100 a day at least.

Rover.com is one of the largest sites on the internet for linking up pet owners with people who are willing to do pet-related tasks.

For example, the company advises that a booking for dog walking or dog sitting is made every four seconds through their website so theres clearly demand for these services!

This is especially good if you already have your own pets that you need to take for walks, as many owners will be fine with you taking their dog with your own pup.

Essentially, youre being paid for something that youd be doing anyway!

And if you really want to increase your earnings, consider dog sitting. Rover.com states (fuente) sitters that take two or three dogs for two weeks each month earn about $1,000 per month.

Revisa Rover.com Para descubrir mas.

ARTÍCULO RELACIONADO: HOW TO MAKE GREAT MONEY FROM YOUR LOVE OF ANIMALS

238. Test websites and get paid

Website developers always need people to check that their site works well and is user friendly.

And theres now a company that will pay you to do just that!

TestingTime will pay you $10 for each 20 minute test, making it super easy to make $100 a day. Better yet, theyll send you the money by PayPal within 48 hours of you earning it.

All you need is a computer with a webcam and a microphone.

(The webcam is because some tests will want to film your initial thoughts as you first start to use a website. Dont worry though, you wont need to be filmed for all tests, just in case thats not your thing.)

So if you like giving your opinion and randomly clicking around the internet (come on, Im definitely not the only one whos ended up down a Wikipedia black hole), this may be some easy cash for you!

239. Keep an eye out for things that could be flipped when thrift shopping

While we strongly recommend going shopping at thrift stores to save money, you can also use this time to keep an eye out for things that would be good to resell (or flip) to get some extra cash.

In fact, flipping is a super easy side hustle with great earning potential. For example, Melissa, in her first year of flipping, made $42,000 based on 5 to 15 hours of work per week.

And in her second year, working 20 to 30 hours per week, she made $133,000.

Flipping simply involves buying something and then re-selling it at a higher price. Some of the amazing flips that Melissa has done include a door handle she bought for $8 then sold for $200 y an exercise bike she bought for $100 then sold for $2,000.

Clearly theres De Verdad good money to be made here.

Find out more from Melissa, including exactly how to get started flipping, right here.

240. Sell unwanted gift cards

If youve gotten a gift card for a store that you never go to and where youd rather have the cash, you can sell them online.

Simply go to Gift Card Granny, enter the details and see just how much you can get for the card.

Looking for tips and tricks to save money? These 250 money saving tips and ideas are for you. Find great saving money ideas in all areas of your life right now, including ways to save money on groceries, food, cars, kids, cell phones, entertainment and to stop spending money on unnecessary things. These are so easy  theyre the best money saving trips and tips youll find!

241. Sell your used clothes on ThredUp

Decluttering is a great way to make some extra cash. So if you find yourself with clothes where you dont remember the last time you wore them, consider selling them on ThredUp.

Y si tu sign-up here, obtendrás un bonus $10 gift card!

Mindsets to use as money saving tips

242. Keep in mind why saving is important to you

Your goal may be more long term, like paying off all your debt o reaching financial freedom.

Or it may be something more simple like saving $100 extra every week.

Whatever it is, it’s important to keep it in mind whenever you encounter any sort of financial decision in your life.

This will help you when you’re tempted to grab lunch with your colleague instead of eating the one you brought that day. Or when you see a jacket on sale that you’re dying to have.

By shifting your mindset like this, you’ll stop thinking about what you have to give up in order to save money. Instead, you’ll be able to focus on what you’re going to get out of your new spending habits.

243. Keep yourself accountable for your progress

We’ve talked earlier on in this list about maintaining a budget or using a budgeting app but it’s worth reiterating just how important it is to be able to see your progress over the long term.

Sticking to your budgets or using an app to keep track of where your money’s coming in and out are great, but only if they work for you.

So make sure you’re checking your progress regularly so you can see problem areas as soon as they start to form.

And if the graphs and things all get a bit much for you, find your own way to track your progress.

Bullet journals are huge right now, for example, so if you prefer to visualise things, that may be a better way to go.

For some inspiration, check out 15 Incredible Bullet Journal Ideas To Manage Your Money.

244. Focus on needs not wants

One of the best ways to destroy good money habits is to spend too much on “wants” instead of “needs”.

While this list of 250 money saving tips gives you a ton of ideas on how to address some specific wants v needs battles, it’s important to always be checking with yourself before you buy something:

Is it a need or a want?

If it’s a want, consider putting some of the strategies in this list into play. The cooling off period is a great one, for example.

245. Recognise your own poor financial habits (and start to work on them)

It’s excellent if you want to improve your financial situation but sometimes spending too much at the supermarket may be a symptom of a broader problem.

For example, perhaps you grew up on quite a tight budget and you’re not sure how to manage your money without spending it all now that you’re getting paid more.

Or maybe it’s the opposite: you used to have more money but finances are more tight now and you’re still living like you’re on your old budget.

Whatever it is, it’s important to truly assess what the issue is with your finances – and you may even want to speak with a financial counsellor to help you on your way.

Once you start to address these issues, you’ll see your good saving habits falling into place far more easily.

Tips and tricks to save money that go too far

Let’s end this list of 250 money saving tips on a lighter note!

Here are a few ways to save money that you’re more than welcome to try…but, uh, I might pass, if that’s ok

246. Save money on snacks by catching and eating insects

This isn’t a question of eating (delicious!) grasshopper tacos when you visit Mexico or (more questionable) friend crickets when you go to Southeast Asia.

Instead, this Reddit post asked the following:

“Ive) been spending way too much money on snacks and decided a neat way to cut down will be to find some nice enough insects and maybe set a few traps. Its basically free food if done right and I cant imagine it would taste too bad.

Has anyone had any experience of doing this before? Whats the most calorie dense insect to try and eat? Is it better to set traps or maybe potentially buy them in bulk (maggots from fishing shops maybe)”

Just buy them in bulk as maggots?

*dry heave*

Someone actually responded in the comments section asking why they don’t just buy a pack of carrot sticks for less than $1 which will last all week.

To which the original poster responds:

Yeah a pack of carrot sticks is only a dollar, but a spider from the back garden (for example) is $0. I normally just grab an apple or a banana for a snack, but why should I pay when theres potentially the option of not paying anything? Seems senseless.

Si. Completely senseless.

247. Why buy toilet paper when you can use reusable cloths?

When wandering the internet, I found an article with the title:  Stop Using Toilet Paper: Strange Ways to Save Money. So at first I assumed that it would embrace the strange-ness of this suggestion.

Not quite. Once you read the article, youll see that its written as completely legitimate advice on how to save money.

Por ejemplo:

Toilet paper makes up a decent sized chunk of many peoples household budgets. Its not cheap. When you have a big family or people who just reel it off the roll, the costs go even higher. If you want to cut some money from your budget, there are ways to do without traditional toilet paper.

The first way is to use reusable cloths. You can use old washcloths, cut up some cloth diapers, or even buy special cloth toilet wipes. () You keep a container next to the toilet and the used wipes are tossed in there and then washed just like cloth diapers. () Not only is this cheaper than buying toilet paper all the time, its more environmentally friendly.

Now, dont get me wrong; I am always in favour of being environmentally friendly, especially when it also saves some money.

But you can get six rolls of toilet paper for $3.99.

Id also question the environmental friendliness (and energy and water costs) of having to do so many extra loads of washing for these cloths.

Ultimately, howeverwould you really want a container of used wipes sitting in your bathroom? And which lucky soul in your household gets to do the laundry for those?

Ill leave you with the bonus piece of advice from further down in the article mentioned above:

You can (also) try old newspaper or phone book pages.

Excelente. Gracias.

248. Crash events for free meals

This is less gross than the other ones but far, far more tacky. As per this article:

I put on a suit and crashed a wedding for free food. My cousins and I had just finished a long game of football at the local park when a delicious aroma wafting over from and nearby wedding hall. We turned to face each other, gave a small nod for affirmation, then ran home to clean up and put on our best suits. Once we got into the wedding, we headed straight for the food, stuffed our faces, then got our asses the hell out of there.

I guess you could argue that at least they were remorseful or else they wouldnt have run. But if youre going to crash a wedding which you absolutely shouldnt do at least bring a present, like these crashers who gave a buck for luck.

Every dollar counts, I guess?

At least those guys were not as bad as the lady in this article:

This woman dressed in blue had apparently entered the banquet hall without () acknowledging anyone.

() Another guest went up to her to confirm her identity, seeing as not a single soul knows (sic) her.

() That was when things took a weird twist as the woman, who probably knew that the game was up, started to lose her temper and throw a tantrum. She started hitting the table and screaming really loudly at the guest saying, Do not touch me!

() When the staff tried to restrain her, she fought back and grabbed her coat to walk off. However, she also grabbed a bag of what looks (sic) like wedding biscuits and balloons before stalking off.

Just in case it needs to be said, heres a key piece of money-saving advice:

If you need to sneak in to someones wedding, steal some food and make a scene when youre called out on your bad behaviour, perhaps you need to find some other ways to save money in your life.

But at least she got some biscuits and balloons, I guess?

249. Sharing is caring

This article describes a couple who do the following to save money:

  • The husband uses the suds from his wifes hair to wash his own so they only need to buy one shampoo bottle for both of them every eight months.
  • They share one razor in the shower. She shaves under her arms and then he shaves his face.
  • They share one Q-tip. She will clean her ears with one end and then he cleans his ears with the other end of the same one.
  • They share deodorant, with each person only allowed to do one swipe per armpit.
  • They share the same toothbrush to save money on having to buy two.
  • (This is the one that got an audible ew from me) They share the same piece of dental floss each day.

These. Are. Gross. Im all for limiting the amount of time taken to shower and Im not even completely against their idea for saving money on shampoo.

But the Q-tip? And the toothbrush and dental floss? Not to mention that one swipe of deodorant can hardly be enough, meaning that not only are they unhygienic, but they smell as well.

Whats worse is that theyre only saving about $50 per person over an entire year!

If you have to work this hard (and be this unhygienic) to save less than $1.00 a week, Id strongly recommend finding other ways to save money.

250. Only flush once a week

This guy has Sunday Flush Day – that is, once every Sunday he’ll flush the toilet. The rest of the week, he leaves it sitting there to save on water costs.

And he saves a grand total of $6 per month.

Maybe consider some other ideas from this list to save more effectively…

Which of these 250 money saving tips and ideas are you going to implement in your life?

As you can see, if you’re looking for ideas on how to save money, there are literally hundreds of money saving tips that you could try to implement in your life.

Whether you want to focus on just one area of your life or work your way down the entire list, you’ll quickly see that there are so many ways to save money on things that you may not have even thought of before.

Do you have any other money saving tricks and tips that aren’t on this list of 250 money saving tips? Let us know your favorite money saving trick!

Solo una cosa más…

Si te gustó conocer 250 Money Saving Tips: The Ultimate Guide On How To Save Money, ¿por qué no compartirlo con tu audiencia?

¡A ellos también les encanta ahorrar dinero, después de todo!