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 30 money hacks to save $1,000+ per month.
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. 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.
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.
3. 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 Radius Bank is different.
Radius Bank offers a high-interest earning of 1.20%APY. You get benefits like:
- Free ATM’s worldwide
- No monthly service fees
- No minimum balance requirement after $100 to open
- The first order of checks on Radius Bank
Applying only takes 3 minutes. You can start saving with Radius 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.
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. 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.
8. 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).
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
- Survey Junkie
- MyPoints ($5 bonus after 5 surveys)
- Springboard America
10. 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.
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.
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.
Shown below is everything included in the Master Your Money Super Bundle. There is so much value here, and it’s worth checking out!
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.
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.
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.
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 own 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.
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.
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. 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.
You can only save so much – the next step is increasing your income.
Here are a few ways to make more money (both part-time and full-time jobs).
1. Facebook Ad Manager
Did you know you can become a Facebook Ad Manager for businesses and make an extra $1,000+ a month with just 1 client? Facebook Ad Managers are in charge of running ads for businesses to increase their customer base and income.
There are over 27 million businesses in the U.S. with over 500,000 new businesses starting every month. Out of 27 million businesses, all you need is 1-2 clients to make $1,000 a month. If you want to go all in on this side hustle, you can take on 5 clients, which can be roughly $5,000 a month.
You can learn how to become a Facebook Ads Manager in less than 28 days with the Facebook Side Hustle Course.
2. Start a blog
I started this blog in college and graduated my senior year making $80,000 a year. Blogging isn’t easy and takes a lot of hard work. It’s not for everyone. If you feel that you can help people with a blog and inspire others to live better lives, a blog is a great way to do that.
If your dream is to become a full-time blogger and start a blog, I recommend starting a blog with Bluehost. Bluehost has 24/7 support, a money-back guarantee, and makes it as easy as possible to start a blog. Start a blog today for just $2.95/month with my step-by-step tutorial here. It’s easy, painless, and takes less than 20 minutes to start a blog of your own. With my link, you get a discount from $7.99/month to $2.95/month.
If you need a little more help starting your blog, I even have a free How To Start A Successful Blog quick 5-day course that shows you step-by-step what to do AFTER you started your blog. This quick course is filled with a TON of value giving you everything you need to get started the best way.
A bookkeeper’s job is to keep records of financial transactions of a business. Bookkeepers can make between $30,000-$60,000 per year. Becoming a bookkeeper has several benefits, such as low startup costs, high profit, and the ability to work remotely.
If you’re eager to learn more about becoming a bookkeeper, check out this free training that will show you the quickest and easiest way to start and run a successful virtual bookkeeping business.
4. Teach English online with VIPKID
With over 600,000 students, VIPKID is the leading platform for teaching English online. Teaching English online is a great way to make income at home, while on your schedule.
VIPKID pays up to $25 per hour, and the entire curriculum is provided for you. Forbes even recognized VIPKID as one of the best places to work online. To meet VIPKID application requirements, you need to have a bachelor’s degree in any field, eligibility to work in the U.S. or Canada, and at least 1 year of teaching experience (includes tutoring, homeschooling, coaching, mentoring, and other life experiences).
5. Freelance writing
I had no idea what freelance writing was (or that you could make money from it) until I met my friend Holly. Holly makes six-figures with her freelance writing career; $225,000 a year to be exact. There are hundreds of freelance writing jobs out there, but getting those freelance jobs isn’t easy, which is why Holly created Earn More Writing.
Earn More Writing helped me get started freelance writing. I landed gigs on sites like GoBankingRates and many others. I went from charging $50 to $250 per article.
This work from home opportunity is legit, lucrative, and lets you work anywhere in the world. Holly travels (a ton!) and works all around the world.
In her free workshop, she shares her techniques she’s used to make six-figures freelance writing. You can check out her course and free workshop here.
6. Sell Etsy Printables
Julie from the blog Millennial Boss is killin’ it in the side hustle world by selling Etsy printables.
This side hustle is almost entirely passive, meaning you do the work in one sitting, and then get paid for it for months and years to come. With just a few hours of work, Julie’s made over $5,000 selling printables on Etsy.
Julie recently created Etsy Printables where she shows you exactly how to make money selling Etsy Printables. I’ve gone through it myself and plan on adding this as a side hustle myself because it’s one of the easiest ways to make passive income.
7. Professional Proofreader
Transform your passion for words and reading by becoming a professional proofreader, and help people like me who are terrible at proofreading. I hire a proofreader for special projects which has been a must in my business. Proofreaders are a must for books, magazines, websites, and tons of other projects, so they’re always in demand.
Proofreaders can earn between $17-$30 per hour and offers competitive pay and flexible hours while working from home.
Here is a free workshop that will show you if proofreading is right for you.
8. Sell on Amazon
There are more than 100,000,000 (yes, million) Amazon Prime members. More than 50% of all Amazon sales come from third-party sellers. Selling on Amazon is a legit way to make great money and isn’t going away any time soon. And if you’re completely lost on how to even get started selling on Amazon, bear with me for a sec.
My friend Jessica and her husband have perfected the art of selling on Amazon and have made well over $100,000 profit (their first year in the biz).
Jessica even has a FREE 7-day course that tells you everything you need to know in a simplified way to get started selling on Amazon.
What money hacks do you use to save money each month?
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