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Are you looking for some great household money saving tips? Do you want to find ways to spend less without giving up the things you love? It doesn’t have to be as hard as it may seem. We all have at least one thing we should probably spend less money on. For most of us there are a number of ways we could cut our monthly expenses.
But we never end up doing it.
Because it seems like the only way to cut costs is by giving up all of our extras. And what would be the fun in living if we couldn’t have the things we enjoy?
What if I told you that you can continue having your extras, but you can get them cheaper?
That would be pretty nice right?
How about if I said you could even save money on the necessities, like utilities and existing debts?
That would be awesome!
But I’m probably just pulling your leg.
It can’t be for real.
Yes! It can!
And it is.
There are ways to save money on almost everything if you look hard enough.
I’ve put together a pretty long list of some great ways to save money around the house. Take a look at any of the topics below by clicking the links. Or read the whole page and see all of the money saving ideas!
- Save Money With Cash Back and Rebate Sites
- Save Money On Food, Drinks And Snacks
- Reduce Utility Costs
- Save Money On Home And Auto Insurance
- Save Money On Entertainment
- Save Money On Fitness
- Pay Off High-Interest Debt
- Save Money On Eyeglasses and Contacts
- Save Money On Pet Medications
- Save Money By Making Extra Money
You have things you need to buy anyway, so wouldn’t it be nice to get a little money back every time you shop? There are sites out there that let you do just that.
Sign up for Ibotta! Seriously, like right now. This is the greatest app ever. Simply search the app for offers on the products on your shopping list and add them into your app, go shopping, and get money back. You can redeem your cash back simply by taking a picture of your receipt with 282 (currently) stores on their list. With other stores you can link a loyalty card directly to your Ibotta account. Or shop online or in-app with offers from retailers like iTunes, eBay, Groupon and lots more.
Do you do a lot of online shopping? Maybe you should start. And sign up for Ebates. At the time that I am writing this and looking at the website, I am seeing offers for up to 3% cash back at Amazon, 6% at Groupon, 6% at Macy’s, 8% at Old Navy, and 10% at JCPenney. Don’t quote me on those numbers, because they change all the time and there’s just no way I can update this every day. But it gives you an idea of how much money you could get back on things you need anyway. If you sign up through one of my links and spend $25 in 90 days, you’ll receive a $10 bonus!
You’ve probably heard of it. Maybe you weren’t sure how it worked. Sounds like coupons, right? Kind of. Instead of getting a coupon that you can use for a discount, you basically buy discounted gift cards and gift certificates. So before you go out to eat next time, check Groupon. Maybe the restaurant you plan on going to has a deal going on through Groupon, and you can buy a $50 gift certificate for $25. That’s half off! And deals like that happen all the time with Groupon.
There are so many ways to save money on food and drink that I’ll never be able to include them all. For the time being I’ll put in some of my favorites, then add more as time goes by. So keep checking back for new ideas.
Save Money When Grocery Shopping
Has anyone ever told you it pays to plan? Well that applies to grocery shopping too. Most of us have realized that we spend less on extras when we go shopping with a list. But you can save on the essentials for meals if you go with a plan. I mean a meal plan. When you plan your meals for the week, and know exactly what and how much to buy, not only do you save money at the register, but you throw less away at the end of the week. Does planning meals sound like too much work? Check out $5 Meal Plan. For just $5 a month they send you weekly meal plans with exact lists for shopping, and recipes for each meal. With their plans and recipes you’ll be making meals that cost less than $2 per person.
Save Money Making Smoothies At Home
The smoothie craze has taken over the world. And with good reason: Smoothies are not only healthy, they’re delicious! But they’re so expensive! At my local grocery store a 32 oz bottle of smoothie is $8. That’s a lot of money for a drink. And don’t even get me started on prices at smoothie shops! I love smoothies, but hated paying so much for them. So I started making them at home. I’ve used several different blenders to make my smoothies. The Nutri-Ninja Auto iQ is a great budget option that I still use for single servings. After a while I realized that I was making a batch every day. Sometimes twice a day. So I finally decided to bite the bullet and bought the Blendtec Professional 800. I’ll admit, it’s expensive. They offer cheaper options than the 800 that I bought, but I love this blender. And it does a lot more than just make smoothies, so for me it was worth it.
Save Money Making Your Own Beef Jerky
Beef jerky is a very popular snack, but it costs between $16-24 a pound, depending on the brand! That’s a lot of money for a snack, especially when you can buy a sirloin steak for $6 a pound. See where I’m going with this? Yeah, a choice steak is cheaper than beef jerky. But if you’re going to make jerky you don’t need a choice steak. Top round cuts are about $3-4 a pound. You can generally buy a roast for a little over $2 a pound. They will all make excellent jerky. Just buy yourself a dehydrator (I like the Presto Dehydro for $40) and follow the instructions. Most will suggest that you use sirloin, but it really isn’t necessary. I use roasts. Just slice them into 1 inch thick steaks, then cut your strips from there. Toss them on the trays, push go, and a few hours later you’ve got a whole pile of jerky.
Save Money Making Dried Fruit And Fruit Rolls
While we’re on the topic of dehydrators, do you like dried fruit? You probably don’t like the price, though. So make your own! Buy your favorite fruit, slice it, toss it on the tray, and push go. A convenient, easy to carry snack that will last longer than the fresh fruit, and it will cost 70-80% less than buying dried fruit in the store.
Do your kids like Fruit Roll-Ups and Fruit-By-The-Foot? Mine do, but I hate giving them rolls of solid sugar. So I buy apples, strawberries and mangoes, mash them into a paste, and spread them on dehydrator fruit roll sheets to make my own. Ta-da! Fruit Roll-Ups that are actually fruit. Your kids will love them, you’ll be their hero, and you’ll spend about the same or less than the junk they wanted to begin with. It’s an all-around win!
Save Money Making Your Own Soda
We all know that soda isn’t good for us, but that doesn’t change the fact that we like it and will continue to buy it. But we can save money on it. The SodaStream is a system that allows you to carbonate anything. Turn plain water into seltzer. Or flavor it with fruit for a flavored seltzer. You can buy soda flavoring (SodaStream brand, or generic, they both work) and make your own cola, root beer, orange, or grape soda. Pretty much any soda you currently enjoy has a flavoring option to use in the SodaStream. I drink seltzer like it’s going out of style, and I make it with this. I save a ton of money every month with this one gadget. There are lots of places to buy one, but my top three suggestions are the SodaStream website, Walmart and Amazon. Prices change at each one quite frequently, so check all three links for the best price before you buy.
Say Goodbye To Bottled Water
Do you realize that in the U.S. alone, over $16 billion (yeah, with a “B”) is spent on bottled water every year? That’s absolutely insane! Granted, there are some places where it’s the only option. But for the most part public water is readily available, and monitored for safety. Sometimes that means treatments that make your tap water taste a little funny. So your only option is bottled water right?
There are so many other options.
You can buy filters that attach directly to your tap.
Want that crystal clear taste fresh out of the fridge? Buy a filtered pitcher. It’s always cold, and just as clear and crisp as any bottled water you’ll get in the store for a fraction of the price. The replacement pitcher filters last a long time for the price, too.
We can’t live without the necessities. That’s why they’re called “necessities”. But we can certainly save money on them if we take the time to look around and find a way.
Reduce Your Cell Phone Bill
Yes, cell phones have sadly become a necessity in today’s world. I’m only 33 at the time of writing this, and even I miss the days when we weren’t constantly connected to the world with the push of a button. But we’ve got to have them, so we might as well save a little money on the bill.
Believe it or not, sometimes this one is as easy as asking to pay less. Go into your provider’s store and say “You know, I really love your service, but I just can’t keep paying this much every month.” They might say too bad, that’s the price. But they could also say “I think we can probably knock $5-10 off that.” It’s worth a shot.
And if that doesn’t work, you might be able to find a cheaper plan through Republic Wireless or Simple Mobile. Republic Wireless has basic plans starting at just $15 a month. Simple Mobile has unlimited plans started at $45 a month. These are definitely worth looking into.
Reduce Your Water Bill
Have you ever heard of low-flow shower heads? A lot of people won’t even try them because they think low-flow means they’ll be showering under a trickle of water. That’s not how these things work. They aerate the water, causing less water to flow, but without reducing water pressure. So you can still get a nice shower and use way less water. Some brands say they use 20% less water. I’ve seen some that claim better than 50% water savings. That adds up! Check out these options at Home Depot, Walmart, and Amazon.
Reduce Heating And Cooling Costs
No, I’m not going to tell you to get a more efficient heating or cooling system. Although, that would save you money over time as well. There are some very simple things you can do to cut heating and cooling costs.
Take a look at your windows and doors. Do they seal properly when you shut them? If not, get some weatherstripping and replace the old stuff. It’s easy to do. Peel the paper backing, and press the sticky side into the door or window jamb to fix the seal. A few dollars for new weatherstripping can save you a lot of money. You can pick up weatherstripping at Home Depot, Walmart, and even Amazon.
Do your doors or windows leak around the edge of the frame or trim? Get some paintable acrylic caulking if your trim is painted. If the trim is natural wood, use clear silicone caulking. Apply it carefully, wipe the excess off with your finger, and you’ll never notice it. Compare prices at Home Depot, Walmart, and Amazon.
Another great way to save money on heating and cooling is to use a programmable thermostat. Set it so the heat or A/C aren’t working as hard while no one is home. As little as 5 degrees difference for the hours that everyone is out of the house can make a huge impact on the monthly bill. Look at the different options, and find one that will work with your systems. A wide variety and range of prices from Home Depot, Walmart, and Amazon.
I know that most of the time insurance premiums feel kind of like throwing money out the window, but when something goes wrong you’ll be glad those premiums are up to date. A tree limb could fall through your roof. A neighborhood kid could hit a great home run… Right through your living room window. Your neighbor’s lawnmower could pick up a rock and toss it through your windshield. Really, the whole idea of insurance is that anything can happen at any time. So as much as we don’t like paying the premiums, they really are worth the cost.
But why pay more than we really need to? I know that some insurance companies get bad reviews, but if you really take the time to read those reviews it’s because a customer didn’t get what they wanted. Yes, an insurance company is bound by the policy they provide to provide you with remediation when something goes wrong. But you’re bound by that policy, too. So when it says that they depreciate something, that means that over time the money you get when something goes wrong goes down with the value of whatever breaks. It’s just how it works, and some people can’t deal with that. But really, all insurance companies are bound by the same laws, so one isn’t really that different from the other in what they can provide you. So shop around, and find the best price.
- Geico– They’ve gotten some bad rap. Most of that from people who didn’t read their policy. I’ve used Geico in the past, and never had a problem with them. Their customer service is great, and their claims process is just as easy as anyone else’s.
- Progressive– I’ve been with Progressive now for about 5 years. In that time I’ve had to make 2 claims for damage to my front bumper. I had no problems with them, even when I thought the quote for repairs was high. They paid on time, and got me back on the road.
- Esurance– We all know the Allstate brand of insurance. They’ve been around forever. Well, Esurance is an Allstate company. They’re designed to be completely online and by phone, so they have less overhead and can pass those savings on to their customers, all with the backing of insurance giant Allstate behind them.
- Allstate– Speaking of Allstate, I’d be doing a disservice if I didn’t mention them here. Being a big name in insurance, and having a “discount brand” under their name, doesn’t mean that you will pay crazy premiums. They are very reasonably priced, and I have several relatives who swear by them. However, I have also heard some auto shops say that they are hard to work with. Do your homework, and ask around to see if anyone you know has used them.
- Liberty Mutual– Another big hitter in the industry, Liberty Mutual is one of (if not the) most trusted name in insurance. Take a look at their prices. If you can get a policy with them cheaper than somewhere else you definitely can’t go wrong.
We all need to kick back and relax with a little bit of entertainment every now and then. But we sure don’t have to pay the crazy prices some of these things cost.
Get Rid Of That Outrageous Cable Bill
Cable or satellite, however you get your TV service, you know the prices are ridiculous. $80 a month to watch the news and sitcoms? $120+ every month if you want anything more than basic service? I don’t think so! There are so many better options out there.
- Netflix– The most expensive package that Netflix offers is only $13.99 a month. Maybe you haven’t heard, but Netflix isn’t just movies in the mail anymore. TV series. Movies. Netflix is even producing its own shows and movies now. That means a ton of options for entertainment for you. And they can all be streamed instantly on your computer or TV. The top package even allows you to watch on up to 4 screens at the same time. Family entertainment for $14 a month.
- Hulu– Just like Netflix, Hulu allows you to stream movies and TV shows direct to your computer or TV. $7.99 a month if you don’t mind commercials. $11.99 a month with no commercials. Still need your live TV for news and sports? Get it with HULU for $39.99 a month. 50+ live TV channels, plus the entire TV and movie streaming library. Join through this link and get a 30-day free trial!
- Amazon Prime/Prime Video– Two great options here with Amazon. You may already be an Amazon Prime member, taking advantage of their free 2-day shipping. Did you know that also gives you access to their TV and movie streaming library? And a membership to Amazon Prime is only $12.99 a month, or $99 a year if you pay annually (that’s only $8.25 a month!) Just want the Prime Video service? That’s $8.99 a month. Wait! It’s cheaper to have access to video and free shipping? Sign me up! No, really, go sign up for Amazon Prime and try it out free for 30 days.
Gym membership prices getting you down and keeping you from reaching your fitness goals? You could always find a cheaper gym, like Planet Fitness for $10 a month (I have a membership, and love it!). Or, you can just work out at home. It’s cheaper to set up your own home gym than you might think. If you were to buy everything on this list you’d spend about 3-4 years worth of membership fees for a cheap gym, but have the equipment for life!
Unless you’re a power lifter benching 300 lbs+, you don’t need a bench as sturdy as what you’ll find in a commercial gym. The Gold’s Gym XRS 20 is a great option for Olympic length bars. The bench and uprights are separate pieces, so you can move the bench out of the way and use the uprights as a squat rack as well. You can generally find it for somewhere between $150-200.
Too expensive? If you don’t need Olympic width or a squat rack, take a look at the CAP Standard Bench with 100 lb weight set for less than $100.
Is your goal to just lose weight and tone? If you aren’t interested in becoming a bodybuilder you can certainly reach your goals with a simple set of dumbbells, like this 40 lb set of adjustable dumbbells from Gold’s Gym for around $30.
Want to add some cardio to your weight training, but don’t have the space to store an assortment of medicine balls? Try kettlebells. The kettlebell swing is a full body workout that will activate every muscle from head to toe, and burn a ton of calories at the same time.
Do you need running in your workout? Running on the road or trails is free! Does the impact hurt your knees or hips, so you need to run on a treadmill? Treadmills are too expensive to have at home right? Maybe not. Sign up with Ebates. I’ve seen deals with Dick’s Sporting Goods offering 70% off treadmills, and Ebates was offering an additional 7.5% cash back. Deals change all the time, but it’s free to sign up, so take a look.
If you aren’t training for a marathon and just want to walk or jog with low impact, Walmart has treadmills for as low as $200. You can even get a manual treadmill for $100 or less. It’s not motorized, but you still get a great workout.
Treadmill still too much impact? Like the exercise bike better? Same deal. Check out Ebates for sales combined with cash back. Or look at Walmart for exercise bikes for as little as $120!
Need a great muscle toning workout but don’t want to store dumbbells or risk dropping a kettlebell on your toes? Resistance bands like the Perfect Fitness Band Kit are a great place to start. The kit comes with 10- and 15-lb bands. Use them together for 25-lbs of resistance. With the included door anchor, handles, and online workout instruction you can do any exercise you would do at the gym for less them $20.
Wrist And Ankle Weights
Want to add some strength work to your workout without having to think about it? Strap on some wrist and ankle weights and go for a walk. You’ll feel the difference while you’re walking, and you’ll really notice it when you get back home. These are great for toning muscle and losing weight without doing anything more than a daily walk.
It’s not just for kids anymore. Whole exercise programs have been developed around jumping rope. Do you have to go to that level? Of course not. Buy a quality jump rope and exercise in your back yard. Don’t swing it lazily and just hop around. You’ll need to put some speed and effort into it. If you do, you’ll see the results pretty fast. The muscles in your upper body get a workout from controlling the rope. The muscles in your legs and butt get a workout from throwing your body weight off the ground. Your heart and lungs get a workout because jumping rope is a killer cardio workout.
We’re all guilty of spending a little too much for the holidays and getting stuck with the high-interest debt that seems like it will never go away. Or maybe you had to use the credit card to pay necessary bills during tough times (I know I’ve been there). Perhaps you feel like you’re never going to pay off your student loans, auto loan, or mortgage. Whatever debt you have, there are probably options out there to reduce the payment, interest, or both.
Reduce Credit Card Debt
No one likes being stuck under the crushing interest of credit cards, especially with interest rates that can easily reach 25-30%. Sometimes, though, it just can’t be avoided. You might want to consider a consolidation loan. They can save you hundreds in interest, and give you a fixed monthly payment that’s much easier to budget for. A couple of excellent options for easy consolidation loans are:
- Lending Club– Personal loans up to $40,000 are an easy way to consolidate credit cards into a single, fixed payment. It’s free to check your rate and see if you could save money.
- Prosper– Debt consolidation loans up to $35,000 can get you out from under the never-ending credit card payments. Check your rate and see how much you can save.
Another great way to consolidate credit card balances and really reduce your rate is to shop around for a new card that is offering a 0% APR balance transfer promotion. Try Discover, Chase, and Capital One. They usually have 0% balance transfer offers for around 16-18 months. Transfer whatever balances you currently carry on your other cards. Just make sure you can pay it off within the 0% offer’s time frame, otherwise the deferred interest gets tacked on all at once.
Reduce Student Loan Payments
Student loans aren’t generally “high-interest”, but if you can find a lower rate, then they qualify as high-ER interest. Every dollar you can save on interest is another dollar in your pocket. So take a look at Credible. You can check your rate for free, compare several options, and pick the one that works for you. Even taking 1% off your current rate will save money every month.
Reduce Auto Loan Interest
Did you buy a car when your credit was less than perfect? Are rates simply lower now than when you purchased? Look for a lower rate, and end up with a lower payment. Take a look at Prosper. They’re not just about consolidation loans. Prosper also offers auto loans. See if they can get you a better rate.
Reduce Mortgage Payments, Interest, Or Term
Oh, the dreaded mortgage! It’s great owning a house, but paying for it is never fun. Rates change all the time, so it doesn’t hurt to shop around for refinance offers every now and then. Here are a couple options you should look into:
- Lending Tree– Check your rate quickly and easily, and get offers pulled from the hundreds of lenders they work with. You could save a lot of money, or even reduce the term of your loan without increasing your current payment.
- Quicken Loans– Quicken is a huge name in the online lending industry with an excellent track record of helping with new home loans and finding lower rates to refinance.
It’s awful when you can’t see. It’s even worse when your eye doctor tells you a pair of glasses is going to cost over $600. And the price of contacts? Just wow! But, there are alternatives.
Eyeglasses.com– Go see your eye doctor, get your prescription, then head over to Eyeglasses.com. They have a great selection of frames, including designer names, for up to 50% less than you’d pay at your eye doctor. When your prescription changes you can mail the frames back and just get new lenses fitted instead of buying a whole new pair. Bonus points, they are an authorized out-of-network provider for all insurance plans. Your insurance won’t pay as much as they would for in-network, but since their prices are already so much lower you save big time!
1800contacts.com– You’ve probably heard of them. Did you know their claims of saving you money are 100% true? I don’t wear contacts, but my mom does, and she won’t buy hers anywhere else. Added bonus, they offer online vision tests for only $19.99! Yes, you can get a real prescription exam for only 20 bucks. Just keep in mind that it is only a vision test. They can’t check your eye health like your eye doctor, so don’t give the doc the boot just yet.
We love our pets, and want to keep them healthy and happy. Sometimes it’s hard to swallow the price of their medications though, especially the ones they need every month, year after year, like flea/tick/work prevention. So what do we do?
We go to 1800petmeds.com. I’ve been using 1800petmeds for years now. Their prices tend to be about 15-25% lower than the vet, and they’ve almost always got some promotion running for 15-25% off their prices. Definitely worth checking out. Just make sure to check prices with your vet before you renew a prescription. It’s only happened twice, but there have been times when my vet happened to be running a sale at the right time, and they managed to beat 1800petmeds’ prices.
Probably the best way to save money is to make extra money. Think about that for a minute. If you are making extra money, it is by definition money you don’t need. So make a little extra money and put it right into savings.
There are hundreds upon hundreds of ways that you could make extra money.
For some great ideas, take a look at the following articles:
- Create A Blog To Make Money
- Online Passive Income – Affiliate Marketing
- Work From Home On The Computer
- Home Based Business Ideas With Low Startup Costs
- Work From Home And Earn Extra Cash
- Earn Extra Money At Home
That’s what I’ve got for now. Check back, as I will occasionally add more, or link to new articles with great money saving ideas.
Do you have any household money saving tips you think I should add? Let me and everyone else know in the comments below. Let’s work together to help as many people as we can save as much money as possible.
Thanks for reading,