Christmas is right around the corner, which means now is the time to start preparing for the holiday season.
Getting ready ahead of time can save you a ton of time, money, and stress!
Below are both money-saving tips as well as ways to make extra money.
Take action now: Before we begin, take action now, and download the FREE Ultimate Financial Planner. Paying off debt and managing your finances can be FUN. Included is a bonus debt thermometer. 💸
1. Get cash back with Ibotta
Ibotta is a free app that gives you cash back for making purchases on things like groceries, clothes, toiletries, and much more, which can all be very helpful when traveling.
It's silly not to use Ibotta if you're a regular grocery shopper and also have to buy things like clothes, toiletries, and pretty much anything else you'd find at a store like Walmart or Amazon.
If you sign up now, you can get $10 in your account by using my link here.
Ibotta users have made over $424,000,000 in cash back so far.
2. Plan your meals ahead of time
Prepping your meals ahead of time gives you the benefit of making sure you don't run out to a restaurant last minute, which helps both your wallet and health.
$5 Meal Plan eliminates all of the meal planning and worrying and gives you everything you need in order to succeed.
Billshark is a MUST for anyone who has a cell phone, cable, internet, or insurance bill and wants to lower their bill.
And trust me, it works because I've used it myself on 3 different bills and I've saved $290.
Here's how Billshark works:
- Send copies of your bills to Billshark. (I did this by uploading an online PDF of each bill).
- Billshark negotiates all of the bills you send in.
- You get notified if Billshark was successful. If they are, they take 40% of the savings. Ex. Billshark saved me $290 over the course of 6 months, so I pay them $116. I can do this in a monthly payment plan or all at once.
It's definitely worth the savings and it was such an easy process.
If you've been following my blog for a while, you know I'm a huge fan of Ibotta. What I haven't been a fan of with Ibotta is having to upload receipts.
Drop is essentially Ibotta, but you don't have to upload any receipts. Your credit or debit card is linked to your Drop account, you automatically get points. You can get points from Uber, Walmart, HEB, Whole Foods, Instacart, and many others. You redeem points for gift cards. This makes saving money effortless.
5. Sell on Amazon
Starting an FBA (Fulfillment by Amazon) on Amazon is the perfect platform for building a business you can manage from home.
My friend Jessica, of The Selling Family, has perfected the art of selling on Amazon and has made well over six figures profit by working just 20 hours a week.
Jessica from has a FREE 7-day course that tells you everything you need to know to get started selling on Amazon. She shares the way she buys inventory, how to choose the perfect items to sell that will make you money, and so much more.
6. Teaching English online
Teaching English online is a great way to make income at home, while on your own schedule.
You're also helping people learn English, which gives them the ability to talk to over 1.5 billion people around the world.
That’s pretty amazing when you think about it! VIPKID pays up to $25 per hour, and the entire curriculum is provided for you.
7. Answer surveys
Though you can't make a full-time income off survey sites, you may be able to make enough money to pay for dining out, movie tickets, and more with Springboard America.
8. Learn how to manage your money
We get such little financial education in high school and college, which is why learning how to manage your finances is so important.
With the Master Your Money Super Bundle, you can feel awesome about your financial future and learn from CPA's, Certified Financial Planners, financial coaches, and a former hedge fund manager.
For just $49, you get 45 books, courses and printables to pay off debt, budget like a boss, and reach your financial goals.
I bought this bundle myself and love it – I'm currently reading the Full-Time RV Finance: Learn How To Afford Your Full-Time RV Travel Dreams. We want to RV full-time sometime soon, so my boyfriend and I are getting so excited about this ebook.
Shown below is everything included in the Master Your Money Super Bundle. There is so much value here and it's definitely worth checking out!
Ebates is awesome for anyone who regularly shops online.
Even if you only online shop 1x a month, you'll still get cash back on your online purchases.
All you have to do is find the store you shop at online on Ebates and then start shopping.
Becoming a bookkeeper has several benefits, such as low startup costs, high profit, freedom to work remotely, and plenty more.
As a bookkeeper, you can expect to earn an average of $62 per hour.
Students of Bookkeeper Business Launch have been saying, “Got my first client 6 months ago and my second client recently. With 2 clients I am earning over $24k a year. It takes time but it is so worth it!” – Jessica Banks, Bookkeeper Student
Click here to get access to a free, 3-part video series that'll reveal the keys to success in the bookkeeping industry.
11. Teaching English with EF Education
EF Education is an online platform where Chinese students connect with online English teachers.
As an online English teacher, you can make up to $20/hour plus bonuses. Perks include working remotely, setting your own schedule, and working at a job where employees feel happy and fulfilled with their work.
12. Pick up garbage
The garbage pickup business is incredible for several reasons: 1) There's a high demand for it, 2) It's recession-proof, and 3) It helps the environment. Not only that, you can make pretty great money, while also getting in a great work out.
If you're interested in this opportunity, check out Brian's book, CleanLots, where he tells you everything you need to know to get started, which also includes free phone support to get your business up and running.
13. Facebook Ad Manager
Did you know you can become a Facebook Ads Manager for businesses and make an extra $1,000 to $2,000 a month?
You can even learn how to become a Facebook Ads Manager in less than 28 days with the Facebook Side Hustle Course.
This course works, and it even gives you access to a private group that is full of testimonials. Students are making between $1,000-$10,000 per month.
Would you like to pay off debt without even thinking about it? Stay with me for a sec because this isn't some generic money-saving app.
Qoins helps you by using your spare change from everyday transactions to make an extra payment to your debt.
Let's say you go to Starbucks and pay for a coffee that is $3.71. Qoins rounds up your payment to $4.00, meaning $.29 goes to your debt. This might not seem like a lot, but it definitely adds up over time. Qoins has helped users pay off $4.5+ million with this method, so it must be working.
15. Create products to sell
Digital products are a great way to share your knowledge and experience.
And they are even more amazing because people can download and access them immediately.
Digital products can range from ebooks, courses, printables, and more.
With Six Figure Blogger, you'll learn how to create high converting sales pages, email trust funnels, digital products, and so much more.
Digit is a fun money-saving app that helps you save money for a particular goal.
Say you want to save up for a vacation, Digit will analyze your spending and automatically move money from your checking account to Digit when you can afford it.
Digit knows exactly how much to save, and allows unlimited withdrawals so you can access savings at any time, and even has a 1% savings bonus.
17. Rent a room or apartment out on Airbnb
If you often travel and have a vacant house, I recommend putting your apartment or house on Airbnb.
Always make sure to check your apartments rules and guidelines regarding renting a room out. My apartment complex doesn't allow people to rent out their house or rooms.
18. Start freelance writing
Freelance writing involves getting paid for writing gigs on various websites.
You usually set your own rates, which increase as you grow your writing skills and experience writing for popular websites.
Having a blog also helps with freelance writing gigs.
Without my blog, I never would have been able to freelance for the personal finance company I also work for.
19. Customer Service Representative
Customer service representatives are the go-between for customers and companies and may process orders, field complaints, or more.
What you do as a customer service representative will depend on the company you work for.
At FlexJobs, there are hundreds of new jobs being posted for customer service representatives.
These jobs are almost always entry-level, which means you don’t need any experience to get started.
20. Freelance Proofreader
In 2014, Caitlin, of Proofread Anywhere, made slightly over $43,000 as a freelance proofreader, while also going on several fun vacations.
“Thanks to Proofread Anywhere, I am now a freelance proofreader, earning money while I stay at home with my kids.” – Amy, Proofread Anywhere Student
Check out Caitlin’s FREE 76-minute workshop to kick off your proofreading career and teach you important facts and tips about proofreading as a full-time career.
Scoping is the process of editing legal documents for court reporters. Scopists generally make between 30k-60k a year when working full-time.
If you are willing to do rush work, you can make significantly more.
22. Save 25% on every vet visit
Pet Assure is a dog owner's dream come true.
Pet Assure is a veterinary discount plan, meaning every time you go to an approved vet, your bill will be reduced by 25%.
There's no waiting period, no deductible, every medical procedure is covered, pre-existing conditions welcomed (what?!) and no claim is ever denied.
Example: Dental Cleaning and X-Rays = $475. Your savings on that would be $118.75.
Even better, Pet Assure is incredibly cheap!
Are you overwhelmed by finances? Are you sick of managing 6 six money apps?
Cinch takes care of everything all in one place.
Cinch monitors your credit score, if you have missed payments or unauthorized use, to how much insurance you need, and a lot more.
24. Credit Sesame
Do you know your credit score? Get your free credit score here(and no it doesn’t hurt your credit score!).
You’ll also learn strategies to improve your credit score.
A high credit score will save you money when you purchase a car, rent or purchase a house, take out a loan, or when you apply for a credit card.
Do you shop online? If so, you’ll want to use Ebates from now on.
Ebates is a website that gives you cash back for your purchases, giving up to 40% cash back.
All you have to do is log on to Ebates, find out which store you want to shop at, and you’ll start getting cash back.
26. Refund unnecessary fees
Cushion is a new finance app that is unlike any other app on the market.
“Cushion got $187 worth of fees (that I was not aware of) waived from my credit card within a few hours of signing up. They turned me into a believer real quick!” – Isaac, Cushion User
Cushion is an app that refunds bank and credit card fees.
You can expect refunds on things like late fees, overdraft fees, monthly service fees, account maintenance fees, ATM fees, credit card interest charges, late fees, and more!
Use Honey, a free money-saving service that connects to your internet browser for free.
Honey tells you when a certain product is decreasing in price, on sale, AND it even finds all coupons online to give you the best coupon.
28. Make Money Blogging
Learn how to take your blog from making $0 to $1,000 per month with free traffic, affiliate marketing, and other action-packed strategies. Make Money Blogging is a MUST for any struggling bloggers out there.
Did you know you can get rewarded for using the internet?
Nielson is a company that studies consumer insights (what people listen to, watch, etc.) all by downloading their app.
The app is noninvasive, safe and secure, and won’t affect your phone’s performance. Sign up here.
30. Walk dogs
Did you know you can make money by pet sitting and walking dogs?
Or that you can find a reliable and trustworthy pet sitter online? I’ve used Rover several times myself and also walk dogs from Rover as a side hustle.
Trim helps you negotiate cable and internet bills, analyzes and gives you spending updates via text, and will find and cancel unwanted subscriptions for you.
Trim users saved over $1,000,000 last month alone.
32. Discount Travel Card
Do you travel often? Are you a student?
If so, you’re missing out on some serious savings.
Back when I started traveling, I bought an STA Travel Card that paid for itself when I showed it to the travel agency for my Machu Picchu trip.
It’s very cheap, can be used pretty much everywhere, and is a must for frequent travelers.
Are you overwhelmed or intimidated by applying for scholarships?
With Scholarship Owl, all you have to do is fill out a registration and they will apply to thousands of applicable scholarships for you.
You can save thousands of dollars with scholarships, so take advantage of this!
35. Save on eyeglasses
Are you sick of paying hundreds of dollars for a pair of glasses? So am I!
I only buy my glasses online at GlassesShop now. I got three pairs of prescription eyeglasses for the price of ONE pair at Walmart.
36. Find out what foods are in season
Finding out what foods are in season allows you to save money and eat plenty of healthy foods on a budget.
The summertime is the best time for affordable produce since it's in season and plentiful.
Still, the fall and winter have many options when it comes to affordable healthy foods. Check out #1 listed here to find out what foods are in season.
37. Practice Minimalism
Minimalism is the new craze lately and for good reason. Minimalism is the practice of living simply and living with fewer things.
You'll save a lot of money, have less clutter in your life, and feel more relaxed and happy by putting your happiness into experiencing life instead of experiencing “things.”
You can check out this minimalism guide here to get you started.
38. Negotiate insurance rates
You'd be surprised by how much you can save when you tell your agent you're looking at different insurance companies to see if you save money.
My insurance company told me that I could be saving money by taking off a few extra things that didn't really matter.
I ended up saving $20 a month. Also, you can save by taking a good drivers class (it saved me a few bucks each month), and you can also get student discounts if you're a good student.
39. Use apps to save on gas
GasBuddy is a money-saving tool for people who want to save on gas.
It'll tell you the cheapest gas in your area and will even reward you when you enter new gas prices in your area.
There have been so many times in my life when I'd drive down the road and see two different gas stations marked 40 cents apart, which can add up to a lot of savings if you have a 15-gallon car.
40. Programmable thermostat
A programmable thermostat saves you money and time. Your AC or heat will turn off on a certain schedule, and some can even be connected with WIFI, letting you
41. Save up for Christmas ahead of time
A Christmas savings plan can help you by making sure you save enough money ahead of time on gifts.
Or, you can talk to your friends or family about starting a secret Santa gift exchange every year. Less clutter in your house with things you don't need and less money to spend. Start new traditions.
42. Save on travel
There are so many ways to save on travel to make it more affordable and not just a once a year thing.
Below are a few articles to get you to start saving on traveling:
- How To Travel The World On A Tight Budget
- How To Save On Flights
- How I Got A Free Round Trip To Hawaii
- Pros and Cons of Airbnb
43. Compare cell phone plans
Comparing cell phone plans and figuring out what you need is essential to saving money.
For example, since I travel often, I signed up for T-Mobile since their international plan is free and I don't have to pay extra like I would with AT&T.
44. Save on pets
Before getting a pet, make sure you have money saved and are prepared to spend money.
Pets can get into unexpected accidents or get diagnosed with diseases. And always make sure to get your animal spayed or neutered to decrease the stray population.
I wrote a detailed post on how to save money on pets that you can check out here.
45. Learn how to DIY
Learning how to DIY items can save you a ton of money. Here is a list of 50 ways to save money with DIYs.
46. Set money-saving goals
Setting goals and planning to succeed ensures that you won't get off track.
For example, you can set a goal to save $500 this month, and then write down the steps to get you to that goal.
You can challenge yourself to only eat out once or twice a week, do a no spend challenge (no clothes spending or electronic spending), and track your progress throughout the month.
Telling a friend of the challenge can even inspire them to do the same, which adds some accountability!
Do you have a goal of investing? Find out how to invest $1000 right now!
47. Sell your stuff
If and when you get into minimalism, I recommend selling your things instead of throwing them away or donating.
While donating can be great and useful to others, if you're trying to save and make money, you should be selling your goods instead. (and throwing away items that can be reused should always be a big no-no).
You can sell your stuff on or at:
- Plato's Closet
- Facebook Marketplace
- Consignment shops
48. Use Mint
Mint is my favorite budgeting app because it lets me put a cap on my spending and tells me where my money is going.
There's nothing like seeing a coffee category and $100 next to it.
All you have to do is link your bank account or credit cards and it'll do the rest of the work for you. Everything is 100% safe and backed by security.
49. Set automatic transfers
Most banks will let you set automatic transfers so that you can transfer a certain amount of money every week (or whatever you set it to).
By making these transfers automated, you're making sure that money gets put into your savings as we can be forgetful. It also eliminates the painful part of putting money away into savings since it's done for you without you thinking about it.
50. Learn how to take care of your car
Learning how to take care of your vehicle is crucial in making sure it lasts a long time and doesn't break.
- Check out my Free Resource Library to get tons of free printables
- Join my Facebook Community where we share tips related to fitness, health, and more
- Check out my top recommendations for health, finance, and blogging
Related articles to read:
- 16 Real Work From Home Jobs That Pay Up To $75,000 A Year
- 7 Books To Become A Better and Happier You
- Healthiest Foods For A Tight Budget
What are you doing to save money this holiday season?
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