101 Ways to Save More Money Now
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"Even small efforts can add up to big savings over time."

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 Food

  1. Eat at the bar, where you’ll typically find better deals and cheaper fare.
  2. Try the lunch menu at your favorite dinner spot.
  3. Plan out your home-cooked dinners in advance so you can use the same ingredients in more than one dish.
  4. Save and eat leftovers—from food you make and when you go out to eat.
  5. Invest in a slow cooker to make delicious meals while you’re away, with plenty of leftovers to go around.
  6. Skip the pre-cut produce. You’re likely paying four times as much for the convenience of pineapple chunks and carrot sticks.
  7. Instead of going all organic, buy just the items from “the dirty dozen list”—fruits and veggies with the most pesticide exposure.
  8. Bring your own grocery bags to recoup that 10-cent bag charge. It adds up.
  9. Buy in-season produce. They don’t just taste better—they’re often cheaper, too, because they don’t need to be shipped from far away.
  10. Make your own coffee, saving you anywhere from $1 to $5 per cup.
  11. Commit to bringing your lunch just one more day a week.
  12. Stock up on wine and liquor the day after a major holiday to score discounts. Those are among the quietest days for liquor stores.

Bills & Loans

  1. Refinance your auto loan. Just be sure that it doesn’t extend the loan term, which could add more interest and cost you in the long run.
  2. Refinance or consolidate your student loans. Do your research first, though, to learn how this may affect repayment and your interest rates.
  3. Negotiate down your cell phone bill, which can save you hundreds over time.
  4. Negotiate your paid TV or cable bill, using current deals and offers for new customers to help make your case.
  5. Cut the cable cord altogether. This bill is likely costing you at least $100 per month; alternatives like Hulu and Netflix are a fraction of that.
  6. Negotiate your credit card interest rate by showing your record of making on-time payments and citing competitors’ balance-transfer offers.
  7. Determine if it’s more cost-effective to use a per-mile car insurance service if you don’t drive far or very often, instead of paying a typical premium.

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Work & Career

  1. Use your work phone as your personal phone (if permitted by your company).
  2. Or, if you use your personal phone for work, ask your employer about reimbursements, subsidies or discounts.
  3. Participate in employee wellness programs, which may offer discounted health insurance premiums or other cash incentives. This often requires completing an online health assessment or scheduling a physical.
  4. Ask your employer about discounts or subsidies for health club memberships.
  5. Utilize pre-tax benefits for transportation costs when available.
  6. Commute via bus or train—or carpool—instead of driving your own car, if possible. (You’ll save on gas, insurance and XM radio, for starters.)
  7. Pick up a side gig—like freelance writing, Uber driving or dog walking—to help boost your savings.
  8. Negotiate a pay raise or counter the offer your boss makes during your yearly review. (Do your research first to check market rates, and be ready to quantify the value you bring to the company.)
  9. When you get that raise, direct most or all of the additional money automatically into retirement, investment and savings accounts.
  10. Ask your boss about telecommuting options, which could help you save on gas and car expenses if you have a long commute, as well as cash spent on work attire and dry cleaning.

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May 26, 2017

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