1,001 Money Saving Ideas and Tips

One of the quickest ways to improve your finances is to reduce your expenses and find more ways to save money. This article is a compilation of various money saving articles that have been published over the years. A few tips are also highlighted from each article. Make sure you follow these links to see the full list or find additional resources.

Lists of General Money Saving Tips and Ideas

75 Painless Money-Saving Tips – The Dough Roller and his readers combined force to come up with 75 great ways to save money. Some ideas include:

  • Combine your cable, internet and telephone service to take advantage of bundled services discount
  • Refinance your mortgage
  • Send away for and follow up on rebates
  • Get a rewards card

15 Ways to Pay Less & Get More – Mrs. Micah offers a small but good list of money saving ideas. Her list includes:

95+ Money Saving Tips – From the readers! – Gather Little By Little shares his money saving tips from his readers. The list includes:

25 Ways to Save Money – Cash Money Life shares a list of 25 things that Patrick and his wife do to save money. The list includes:

30 Money Saving Tips – My Dollar Plan and users share money saving tips, which include:

75 Money Saving Tips For Surviving A Recession – Frugal Dad shares 75 tips to help you survive the recession. His list includes:

  • When in the store, look high and low for deals, literally
  • Have a no-spend weekend
  • Carpool a few times a week
  • Raise insurance deductibles

50 Frugal Things You Aren’t Doing – The Wisdom Journal share 50 frugal ideas that can help you save a bunch of money. His list includes:

50 Ways to Save $1,000 a Year – Squawkfox offers ways to help you save on average a $1,000 a year. Sounds good right? Her tips include:

How to Save Money – 25 Ways I Save Money – Million Dollar Journey shares 25 ways he saves money. His tips include:

  • Don’t smoke, do drugs, or drink (too much)
  • Buy with quality in mind in the expectation that it will last a long time
  • Try to separate “needs” and “wants” when buying consumer items
  • Avoid banking fees and use a discount brokerage to minimize trading expenses

97 New Ways to Save Money (from DR Readers) – The Dough Roller offers another set of tips centered around frugal living and saving money. Some tips include:

  • Pay your mortgage payments bi-weekly
  • Check the lint trap and clean it weekly
  • Buy a water filter and take your own water to the gym/sports etc.
  • Use it up, wear it out, make do, do without, can you borrow? can you rent? then consider buying

Smart Money-Saving Tips You Need Now – US News Your Money offers tips that include areas such as food, transportation, energy, budgeting, and entertainment. Specific tips include:

180 Money Saving Tips to Turn Your Financial Life Around 180 Degrees – The Frugal Law Student shares 180 money saving tips that can turn your financial life around 180 degrees. The list includes:

Little Steps: 100 Great Tips For Saving Money For Those Just Getting Started – The Simple Dollar offers 100 money saving tips ranging that includes ideas like:

  • Turn off the television
  • Make a shopping list before you go shopping – and stick to it
  • Instead of throwing out some damaged clothing, repair it instead
  • Exercise more

10 Unconventional Money-Saving Tips – Get Rich Slowly offers 10 saving tips that are geared more toward how you should think as opposed to specific tips. Some tips includes:

  • Pursue short-term saving goals
  • Don’t pay yourself first. Instead, pay yourself last
  • Translate dollars spent into the hours you worked to earn those dollars
  • Include income tax when determining how much it costs to buy things

16 Depression Era Money Saving Tips – Shrinkage Is Good takes us back in time to provide Depression-proof money saving tips. The list includes:

  • Only buy what you truly need
  • Pay yourself first
  • Avoid debt like the Plague
  • Discard catalogs and enticing advertisements

More general money saving tips:

Money Saving Tips For Your Car


Money Saving Gas Tips – Drive Smarter Challenge offers specific saving tips for your car. Tips include:

34 Ways To Save Money On Your Car Costs – from here!

  • Don’t spend money on paint protection, special coverages, and extended warranties
  • Consider dropping collision and comprehensive coverage on older cars
  • Plan your route and combine your errands to save fuel and time
  • Keep your distance and anticipate changes in traffic patterns

More gas saving ideas:

Money Saving Tips For Your Home

General Money Saving Tips for Your Home

homeDIY Projects To Save Money At Home – Remodeling This Life shares some money saving tips from your home, which include:

  • Build a clothesline
  • Insulate hot water pipes
  • Clean refrigerator coils
  • Make a Rain Barrel

20 Inexpensive Ways to Lower Your Utility Bills – The Dough Roller helps his readers lower their utility bills by offering 20 tips. Some of his tips include:

  • Get an energy-use consultation
  • Consider a heated mattress pad
  • Use power strips and stop the power sucking vampire
  • Turn down your water heater

20 Ways to Save Time and Money in the Kitchen – Patrick at Cash Money Life works his money saving magic in the kitchen. His tips include:

  • Plan your menu
  • Buy produce in season
  • Cook larger meals and eat leftovers
  • Clean your kitchen with homemade cleaners

How To Lower Your Telephone and Cell Phone Bills


7 Ways To Save Money On Your Phone Bill – Some of Being Frugal tips include:

  • Cut out caller ID
  • Drop the long distance
  • Use an internet phone service
  • Cut the phone line protection

15 Ways to Save Money On Your Cell Phone Bill – Another set of great tips from Cash Money Life. His tips include:

  • Mind your minutes
  • Consider using a prepaid cell phone
  • Take advantage of employee discounts
  • Double check your invoice!

More ways to save money on your phone bills:

How To Lower Your Heating and Cooling Bills


10 Ways To Save Money On Heating Bills This Winter – My Two Dollars shares 10 tips to help you save money on heating bills. Here are his tips:

  • Install your storm windows and doors
  • Open the blinds and drapes during the day and close them at night
  • Close heating ducts or rooms that don’t require much heat
  • If you don’t use your fireplace to heat your home, think about sealing it shut for the winter

10 Inexpensive Ways to Slash Your Winter Heating Bills – Patrick at Cash Money Life shares more ways to lower your winter heating bills. His tips include:

  • Change air filters
  • Seal heating ducts
  • Use humidifiers
  • Install plastic window treatments

How To Lower Your Water Bills


6 Ways To Save Money On Your Water Bill – Lynnae at Being Frugal offers some water saving tips, which include:

  • Take showers, not baths
  • Turn off the water when brushing teeth
  • Check for leaks
  • Only run full loads when using dishwasher and laundry machine

More water saving tips:

More Money Saving Tips



50 Ways to Budget Travel and Save Money on Vacations – Money Ning shares 50 ways to save your money on the go. These tips include:

  • Travel Light
  • Avoid Breakfast from the Hotels
  • Fill up that Rental Car
  • Avoid Taxis and Welcome Public Transportation

5 Ways to Vacation Without Breaking the Bank – Patrick at Cash Money Life offers money saving ideas for a vacation. His list includes:

  • Plan your vacation
  • Search for deals
  • Skip the tourist locations for shopping
  • Budget

More ways to save money on your vacation:

Miscellaneous Money Saving Ideas

Websites That Save You Money

  • Save money, reduce debt at Billeater.com
  • Free weekly email newsletter features a number of money saving ideas and tips from our readers around the world from The Dollar Stretcher
  • Save money when you shop online at Ebates

eBooks and Books About Saving Money

Things Not To Do When You’re Trying To Save Money

Here some money saving tips that have gone too far…into the realm of stupidity.

Dumb money-saving tips – Wallet Pop shares 8 ideas that are not so good when it comes to saving money. Ideas that made the list include:

  • Stop using toilet paper
  • Buy and re-use old calendars,
  • Make your own clothes

10 Retarded Money Saving Tips (People Are Actually Trying) – Cracked.com made a crack at money saving ideas that include:

  • Sleep in the Airport,
  • Separate the Two Ply
  • Make Dog Hair Sweaters

Do you have more money saving tips and ideas to add to the list above? If so, please leave a comment below.

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54 thoughts on “1,001 Money Saving Ideas and Tips”

  1. Nice job on the list, it’s going to take me a month to get through it all!

    Glad to see my article about accelerated bi-weekly mortgage payments made the list, hopefully more people will follow this simple tip to pay their mortgage off sooner.

  2. Great Job! What a list! In fact these tips not only help us save money, but also conserve the natural resources. For instance the section on reducing water bills – how many of us think of water conservation? While in reality, water levels in many parts of the world have dropped significantly. Southern California and many other places are facing water shortages. Hence water conservation is very important. To add to your water Saving Tips, here are some more: These will not only help you cut down your water bill by a significant amount, but also help protect the most precious resource on Earth!

  3. Pinyo, this has got to be the biggest list of ways to save money on the internet! I’ll be spending weeks on your site going through all the tips. Thanks for putting it together.

  4. My favorite money saving idea on how to be ridiculously cheap…hold the cheese. Yes I said it folks, a slice of cheese at a restaurant is at least .40 cents. Hold the cheese on your meals and (depending if you are a restaurant eating machine) you could save at least $100.00 a year.

  5. OMG! That should keep anyone busy for a while. Even though I really like posts that are collecting a lot of valuable information into one single place don’t you feel that the value of the individual posts will be diminished due to information overload?

  6. Awesome list! I’m not sure I can turn off the TV but I’d be fine with free TV! 🙂 My household cut down our budget significantly over the last year — around 30%. We’re in much better shape now than we were a few years ago, especially since we’re living on less income these days. But necessity makes us all resourceful!

  7. This is a crazy list! Looks like all the bases are covered here, too. I wonder if it’s even possible to add anything new that wouldn’t be considered silly by someone (like the don’t use TP tip -uugh). One creative idea I’m going to explore for helping my health and wealth is going on a day-long fast/no-spend day periodically. Not only can fasts be good for you sometimes, but couple it with a no-spend day and that can help cut back – of course, it’s only useful if it’s already in your plans to begin with. It won’t be for everyone.

  8. Another money-saver for my family has been renting books instead of buying – my kids are avid readers (which is truly fantastic) but we don’t have the budget to keep buying everything they want and the library isn’t convenient to us, really. Using BookSwim has helped us with our budgeting, and the kids can go on the website and pick them out themselves. Has been awesome!

  9. This article should be nominated for blog post of the year, really and should win of course. I don’t have words, just amazing. Great work!!! Congratz!!!

  10. That’s a lot of information. Great..thanks. I’ve manage to pick up on a few tips. What I recently realize is if I shop at the health food market like MOMs for certain food items, I don’t have to restock my pantry as often compared to items from the regular supermarkets. Like for example, their cereals are so filling that I use less of it so it lasts me for a longer time. If I purchase one of the regular cereals, I would finish that in no time.

  11. The ample list of money saving tips avoid would surely help me buy a jaguar if consistently followed for 5 years.In fact, I able to devise my new strategy out of the ideas above.

  12. 75 painless money saving tips has been my favourite. Thanks for posting that and even the Smart money saving tips is a good article. Money saved is money earned, had heard some time back. It is applicable to all walks of life.

    Nice blog. Would come to be check more things in future.
    Have tweeted to my followers.

  13. I’ve never seen such a huge list or long blog post! Wow. How long did it take to write this post???

    I love the “10 retarded tips”, including:
    * Sleep in the Airport,
    * Separate the Two Ply
    * Make Dog Hair Sweaters


  14. How To Reduce Your Energy Bills / Energy Conservation Begins at Home

    Imagine leaving a window open all winter long — the heat loss, cold drafts and wasted energy! If your home has a folding attic stair, a whole house fan or AC Return, a fireplace or a clothes dryer, that may be just what is occurring in your home every day. These often overlooked sources of energy loss and air leakage can cause heat and AC to pour out and the outside air to rush in — costing you higher energy bills. But what can you do about the four largest “holes” in your home — the folding attic stair, the whole house fan or AC return, the fireplace, and the clothes dryer?

  15. One way to save money on phone calls is – Check out for the unlimited sms plans offered by your operator. This is particularly useful if you like to send a lot of text messages to your friends / business associates. Getting unlimited plans at discounted prices and thus can surely be counted among the list ways to save money on phone bills.

  16. some of these are really great…i especially like the community-building ones…the other curious thing about not spending any money for the weekend is that you kind of get a lot of thinking done…a weekend like this might leave you with a different perspective.

  17. Great post!

    I’ve been looking for ways to economize and when my cell contract was up, I got a Net10 phone. I pay 10¢ a minute and 3¢ for texts. It’s a terrific value and there’s no contract or overages.

    Check it out! You can get ’em online at net10.com or at Target, Walmart, Best Buy etc.

  18. I think most people would agree that saving money is something “easier said than done”. Personally, I believe it’s a mind-set that needs to be developed by creating good money-saving habits.

    Here are some things I’ve done to help change my spending habits:

    – Cooking more at home – Eating out is very expensive especially if you do it a couple times a week
    – Shopping online – You can find better deals than in the store and you save on gas
    – Paying the full balance on credit cards each month – Interest charge is like giving away free money
    – Don’t forget to pay yourself – Set up an online savings account (they pay higher interest than a normal savings account)
    – Setting a budget and goals – It’s good to have your goals written down so you see them everyday and don’t lose focus on your ultimate objectives

    Again, saving money requires a lot of patience and hard work. However, you’ll thank yourself later on in life. Good luck everyone!! =)

  19. save money by getting get a friend to cut your hair.
    stop buying supermarket cleaning products and use natural
    products like lemons and vinegar.

  20. Excellent post – you write fantastically! Keep all old boxes and containers – they are great for the kids – for building things and also empty egg trays are great for painting. Thanks

  21. “Surround yourself with like-minded people; specifically, frugal people”. So true. If none of my friends are spending money, I don’t need to spend money to join them.

  22. Get your budget in place. No matter whether you’re an individual, family or couple, you need to have a budget in place to save money. Granted that no one becomes wealthy just by saving, but it is the first step on the way to building wealth.

  23. Here’s another one: disect your cell phone bill — you’d be surprised at how many ‘gliches’ you find in your bill. I found so many that I decided a contract cell phone was no longer worth it. Instead, I switched to a prepaid (TracFone) plan where there were no hidden fees because there are no contracts!

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