No longer do we live in a time where you need to clip coupons to save money. Saving money has never been easier or more convenient – especially for those of us that are short on time (which let’s be honest, is most of us!).
Learning how to save money helped me pay off $40,000 in debt, live in my dream location, and max out my retirement accounts. It’s amazing what you can do when you’re intentional with how you spend your money.
Below are 21 money hacks to save $1,000+ per month.
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1. Honey (Finds the best discount codes online)
Honey finds you the best discount codes on the internet, saving you soooo much time and money!
This is how much I love it – I went shopping on Fashion Nova the other day and pressed my Honey extension button. Honey found me a 40% off coupon. When I go searching online for the best coupon (which wastes so much time), the best coupon I could find was 25% off.
Honey’s free for you to use and is a must if you shop online.
Sign up with Honey here (takes a minute).
2. Get cash back online
Ebates is a must for anyone who shops online or in-person.
The service is awesome – Ebates gives you cash back for shopping at your favorite online stores such as Sephora, Macy’s, and hundreds of other popular stores.
Ebates even has a free browser extension that automatically applies the best coupons to your purchases and activates cash back. There are so many times I forget to use Ebates when I’m online shopping – so the Ebates button reminds me every time I go online shopping. It’s a must.
Create an Ebates account here. Make an online purchase of $25 and get $10 as a welcome bonus! So easy.
3. Walmart Grocery Pickup
My new favorite app is Walmart Grocery Pickup for 2 major reasons: 1) It’s a huge time-saver 2) Convenient, easy pickup. You don’t even get out of your car to get your groceries.
How to get started easily:
- Click here and get $10 off your first Walmart Grocery Pickup.
- Order groceries online.
- Schedule your pickup.
- No fees, no tips accepted, no subscription model. It is free to use Walmart Grocery Pickup.
If you’re new to Walmart Grocery Pickup, you get $10 off your first purchase here. That means you can get $50 worth of groceries for only $40.
I needed 1 substitution because they didn’t have the item I ordered, so they gave me an even better item for the same price as the original item I ordered. You also save money on groceries because you don’t even get the chance to impulse spend since you’re not in the store.
Bonus: Are you bad at picking fresh produce? Their grocery experts know exactly which to pick from for maximum freshness. If you aren’t satisfied with the freshness, you can get a refund.
Even better, once you fall in love with Walmart Grocery Pickup (which you will), you can start referring friends and family. Just get 5 friends to try out Walmart Grocery Pickup and you’ll get $50 toward groceries.
4. Negotiate your bills (I saved $290)
Did you know there’s a company out there that negotiates to lower your bills?
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.
5. $5 Meal Plan
$5 Meal Plan is a meal planning service that sends you a delicious meal plan and shopping list every single week for just $5 a month.
I highly recommend trying this service, and if you aren’t satisfied, you can cancel at any time.
Even better, the first two weeks are free.
6. Switch cell phone plans
Are you overpaying for cell phone service? Probably. After seeing ads for low-priced mobile plans for years, I decided to take the leap and try out a mobile plan that isn’t AT&T, T-Mobile, or Sprint. I tested out Tello Mobile for only $19 per month.
What I learned from testing out a new mobile plan: Just because you pay more doesn’t always mean you’re getting better service. T-Mobile charges me $80 per month while Tello Mobile charges me $19. I got the same coverage with both phones in my city. I went out to different locations in my town and tested both phone plans. They got the same exact service. This is why I recommend moving to a cheaper phone plan.
Why pay more for the same thing? Most of us are going to have cell phone plans for forever. A savings of $100 a month can be roughly $1,200 a year.
In 10 years, you’d save $12,000. In 20 years, you’d save $24,000.
Tello Mobile uses the SAME towers as Sprint to get service. Tello Mobile has NO contract and NO fees, with flexible plans starting $5 to $39. Yes, the most expensive plan is $39 per month. Tello has Nationwide 4GB LTE coverage Calls to Canada, Mexico, and China is even included.
If you’re hesitant on switching carriers, think about all the money you’ll save over the years to come. You can even test out Tello Mobile for 1 month before totally switching over. You can get started with Tello here.
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Filling out surveys to make money is an easy way to make money by simply providing your opinion to questions.
I genuinely enjoy surveys because I love sharing my opinion on things. I’ve always been into taking quizzes and surveys, so naturally, I love this method of making some extra cash.
Here are a few of my favorite surveys:
- Swagbucks ($5 bonus for signing up)
- Opinion Outpost
- MyPoints ($5 bonus after 5 surveys)
- Springboard America
9. Cashback on groceries
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.
Ibotta even has a welcome bonus of up to $20 for new users! It’s super easy to redeem your welcome bonus.
How to redeem your $20 welcome bonus:
- Click this $20 welcome bonus link here. Bonus will automatically apply, no code needed. Enter your email address.
- Download the Ibotta app on your phone and complete registration.
- Redeem 10 offers within 2 weeks of signing up. Any Brand and Any Item offers are excluded from the Welcome Bonus. You’ll know if an item is under Any Brand or Any Item because underneath the photo of the item, it’ll say Any Brand or Any Item. This step gives you $10.
- Redeem a mobile shopping offer and get $5.
- Redeem a secondary welcome bonus and get $5.
10. Get free samples
Did you know you can get free samples by mail just by telling someone what you think about the product?
PINCHme is a website that connects regular people with free samples. All you do is 1) Take a shopper survey and PINCHme will find the best samples for you 2) On Sample Day, choose samples to add to your PINCHme box 3) Samples are free. PINCHme asks for your honest opinion about products.
You can get started with PINCHme here. They’ve given out tens of thousands of samples and have over 500,000 followers on Instagram. People Love PINCHme! I just signed up too to get free samples.
11. Cash Envelope System
A cash envelope system allows you to save money by dedicating a certain amount of cash each month to a category and sorting them into the appropriately marked envelopes.
This 12 budget laminated envelope system makes it easy to budget. The envelopes are high-quality and built to last a long time. They’re also pretty! Don’t be like me and use cheap envelopes that last a week.
Many people find that the cash envelope system keeps their spending on track.
You only get to spend what’s in your envelopes – so spend wisely.
13. Help children learn about money
Many of you reading this have kids, which is why I had to talk about the Moonjar Classic Moneybox.
This money box is a three tin canister with each canister either for saving, spending, or sharing.
Included in the money box is a family guide booklet that provides advice and ideas for lifelong financial responsibility and learning.
The Moonjar Classic Moneybox has won multiple awards, and kids love it.
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.
15. Use a budget app
EveryDollar is the perfect app for a newbie budgeter or for someone who likes to keep things simple.
I use EveryDollar, and it’s been my go-to budgeting software for months now. There are no ads, and it’s organized and super user-friendly for us people who like to keep things simple.
16. Use Groupon
I use Groupon for anything and everything, including restaurants, travel, clothes, spa days, to name a few.
The savings on Groupon are so incredible! I’ve been using the app since I was in high school.
A few Groupons I’ve seen today are:
- $50 for an eye exam and eyeglasses
- $200 for a two day Carribean cruise
- Workout leggings for $10
- 90 Minute Massage for $45
17. Move your money into a high-yield savings account
Are you still using a bank that is offering a 0.03% savings rate? Yep, that’s what my previous bank offers for savings rates, but CIT Bank is different.
CIT Bank currently offers a high-interest earning of up to 1.70%.
Applying only takes a few minutes. You can start saving with CIT Bank here.
If you have an emergency fund, why let it sit in a bank account offering 0.03%? My emergency fund is sitting in a high yield savings account and making me money every month.
If you’re not sure what your bank accounts savings rate is, contact your bank and ask. It’s worth it.
19. Read personal finance books
Personal finance books can educate and inform people about topics that might seem intimidating or foreign.
Having necessary personal finance information is key to succeeding in life and getting control of your money.
Some of my favorite personal finance books are:
20. In-season groceries
Finding out what foods are in season allows you to save money and eat plenty of healthy meals 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.
21. Plan out your money
Instead of wondering where your money is going, use a budget planner.
This budget planner helps you stay organized with your savings, budgets, credit cards, and finances all in one place.
Each month includes payment trackers with space to manage monthly bills, debts, savings, and expenses.
Don’t forget to sign up for the free resource library and get exclusive access to free printables & planners related to saving and making money, meal planning, and more!
What money hacks do you use to save money each month?
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