How cool is it that we live in a time where we can save money on literally e v e r y t h i n g?
Below are 30 money hacks to save $1,000+ per month.
Take action now: Before we begin, take action now, and download the debt thermometer and 12-week savings challenge. Both of these printables are fun and motivational, which will push you closer to your goals. 💸
1. Honey (Finds the best discount codes online)
Guys – I love love love Honey.
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.
I have the Ebates extension on my computer, which means a small Ebates popup will appear any time I go on a store's website. Ebates will tell me the current cash back offerings for the website. Really simple!
Trim cancels subscriptions, negotiates your cable or internet bill, finds you better car insurance, and more.
Not only that, Trim analyzes your accounts to find recurring subscriptions and determines where you can save more money.
4. Arcadia Power Saver
With Arcadia Power, you can switch to clean energy, improve your home's efficiency, and save money in various ways, including:
- Price alerts. When a lower rate is available in your area, Arcadia Power will put you on a lower electricity rate than what you're currently paying.
- Community solar. You can subscribe to a remote or local community solar project, and receive savings from the production of the project share.
- Home efficiency. You can upgrade your home's efficiency with energy-saving products, like a Nest thermostat, and pay $0 down and pay over time with your savings.
- Bill pay. Most utility companies charge a transaction fee for credit cards. Arcadia Power charges $0, saving you money and earning you points on your credit card along the way. (You can also pay with a checking account).
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. know your Credit Score
Increasing your credit score can save you thousands of dollars over your lifetime.
This is why I love and recommend Credit Sesame.
Credit Sesame lets me know my credit score for free (and no, it doesn't hurt your credit score to check it with Credit Sesame).
With a higher credit score, you can save money on interest charges on auto loans, mortgages, and more.
Related article: 6 Ways To Increase Your Credit Score 100+ Points
7. Apply for hundreds of scholarships at once
Did you know you can apply for hundreds of scholarships at once?
Scholarship Owl makes applying for scholarships easier because let's face it – scholarships can be tedious to apply to and college is expensive.
The service works by you filling out an application, then Scholarship Owl searches for compatible scholarships, and they apply for you.
8. Root Insurance
You could save up to 52% on your car insurance by trying Root Insurance.
Root drivers get a fair rate based primarily on how well they drive.
To get started with Root Insurance, all you have to do is 1) Download the Root app 2) Take a test drive 3) Get your root quote.
It's that simple. Every policy has roadside assistance included.
9. Fill out surveys
Filling out surveys to make money is as simple as that.
Though you won't make a ton of money this route, it's an easy way to make money when you're waiting in line for coffee, sitting at a doctor's office, or trying to pass the time.
I genuinely enjoy surveys because I love sharing my opinion on things. I've always been into taking quizzes and polls, so naturally, I love this method of making some extra cash.
Here are a few of my favorite surveys:
10. Get cashback on groceries and more
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.
11. Save 25% On Pet Bills
Do you have pets? If so, you already know they're expensive.
From dental cleanings to annual physicals and shots, bills can add up.
This is why I recommend every single pet owner to have PetAssure.
PetAssure is a veterinary discount plan that accepts all pets of all ages AND pre-existing conditions. That wasn't a typo.
We haven't even gotten to the good part. PetAssure gives a 25% discount on ALL medical care.
This includes treatment like wellness visits, cancer care, dental cleanings/exams/x-rays, routine care and vaccinations, spays, and neuters.
Did you know you can get bank and credit card fees refunded?
Here's how Cushion works.
- Connect your bank(s).
- Authorize fee negotiation.
- Get your money back.
Cushion makes money by keeping 25% of the refunded amount.
You can expect refunds on things like foreign transaction fees, wire transfers, minimum balance fees, ATM fees, and credit card interest charges.
13. 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.
14. 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.
15. Master Your Money Super Bundle
For just $49, you get 45 books, courses and printables to pay off debt, budget like a boss, and reach your financial goals.
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.
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 worth checking out!
17. Get the cheapest 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.
18. 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.
19. VSP Vision Plan
Stop overpaying on vision plans and start saving with VSP Vision Plan.
Plans start as low as $10 per month with an average savings of over $300 per year.
If you're self-employed or paying a high premium for vision insurance, you'll want to check out the affordable options on VSP Vision Plan.
Click here to get started with VSP Vision Plan, and enter your zip code and you will get several affordable insurance options.
20. Drive safe and save with state farm
If you have State Farm, take advantage of their Drive Safe and Save program.
I get a 5% discount by doing this, and all I had to do was download an app and stick a Bluetooth beacon to my windshield.
22. USE HOPPER TO SAVE ON FLIGHTS
Hopper can tell you when's the best time to buy a flight.
It's incredibly user-friendly and will get you the best flight for the lowest price.
23. Use an awesome 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.
24. 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
25. MAKE YOUR LAUNDRY DETERGENT
This DIY homemade laundry detergent can save you a ton of money, and you can see what is exactly going into your clothes that directly touch your skin.
Some detergents use chemicals that can be harmful to the body, so DIYing your laundry detergent not only saves money but is beneficial for your skin.
26. Prescription eyeglasses for cheap
After finding out, I can buy high-quality prescription eyeglasses for $25 online instead of $200 in-store I've never looked back.
I've been using GlassesShop for years and have saved hundreds of dollars.
27. 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:
28. FIND OUT WHAT FOODS ARE IN SEASON
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.
29. Mint Mobile
Mobile plans are expensive. I know of people paying hundreds of dollars per month for their family plan.
With Mint Mobile, you get 4g high-speed data, unlimited talk and text, free SIM card, nationwide coverage, and mobile hotspot.
Overall, Mint Mobile has excellent reviews, but keep in mind, if you live in a smaller town like me, your coverage may be a little spotty (Mint Mobile told me this when I entered my zip code). However, I have T-Mobile, and I have spotty service here, so it's expected with any phone company.
What money hacks do you use to save money each month?
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