20 Money Hacks To Save $1,000+ Per Month

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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 the best 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. Overpaying for cell phone service

Fox business recently shared an article that said the average person spends about $57,600 over 60 years for their cell phone plan. That number doesn’t include buying new cell phones, extra equipment, etc.

I tested out a Tello Mobile phone that cost me $19 per month

Slash your cell phone bill in half by switching to Tello. Tello plans start at $5 and the highest plan being $39. You can cancel or upgrade your phone plan any time you want and keep your existing number. I only need the $19/month Tello plan which gives unlimited text and calling, with 4GB of data. 

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:

  1. Send copies of your bills to Billshark. (I did this by uploading an online PDF of each bill).
  2. Billshark negotiates all of the bills you send in.
  3. 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. 

You can start lowering your bills with Billshark here.

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.

Get your free $5 Meal Plan 14-day trial here.

6. 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.

Check out #1 listed here to find out what foods are in season.

P.S. Sign up below for the FREE ultimate financial planner that includes printables like: debt tracker, income tracker, annual budget summary, savings challenges, financial goals, and debt thermometers!

8. Surveys

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:

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:

  1. Click this $20 welcome bonus link here. Bonus will automatically apply, no code needed. Enter your email address. 
  2. Download the Ibotta app on your phone and complete registration. 
  3. 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.
  4. Redeem a mobile shopping offer and get $5. 
  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. 

14. Drop

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, Whole Foods, Instacart, and many others. You redeem points for gift cards. This makes saving money effortless. You can sign up for Drop here.

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. 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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