Negotiate down your cell phone bill, which can save you hundreds over time.
Negotiate your paid TV or cable bill, using current deals and offers for new customers to help make your case.
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.
Negotiate your credit card interest rate by showing your record of making on-time payments and citing competitors’ balance-transfer offers.
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.
Work & Career
Use your work phone as your personal phone (if permitted by your company).
Or, if you use your personal phone for work, ask your employer about reimbursements, subsidies or discounts.
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.
Ask your employer about discounts or subsidies for health club memberships.
Utilize pre-tax benefits for transportation costs when available.
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.)
Pick up a side gig—like freelance writing, Uber driving or dog walking—to help boost your savings.
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.)
When you get that raise, direct most or all of the additional money automatically into retirement, investment and savings accounts.
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.
Health & Fitness
Use pre-tax medical savings programs, like an FSA or HSA, for expenses like prescriptions, co-pays and more.
Look up specialists in your healthcare portal before choosing a physician to ensure that he or she is in-network.
Host friends for a potluck or game night instead of going out.
Take advantage of free days or nights at museums, zoos and art galleries. Check your city’s event calendar for other free-of-charge happenings.
Check out an open mic night or an amateur comedy show, play or concert, which typically have lower (or no) ticket charges.
Family, Kids & Pets
Enroll in subscription services (like Amazon Family) for diapers and other everyday baby and kid items. You can sometimes score 20 percent off.
Get on childcare waitlists ASAP if you think you and your partner will both be going back to work full-time after starting a family, so you’re not stuck.
Find out what new-baby items your health insurance covers and apply for reimbursement. (There are often more than you think.)
Purchase gently used clothes and toys on Craigslist or through your local swap groups—or ask friends for hand-me-downs—instead of buying new.
Open a 529 plan for your kids so you can save for college little by little.
Go to theme parks, museums and other places that offer children’s tickets or free entry for kids under a certain age.
Take advantage of restaurants that allow kids to eat for free on designated nights.
Cultivate useful hobbies at home—like growing and tending to vegetables in the backyard. Aside from startup costs, it’s a free activity and will end up yielding you free produce, too.
Research dog and cat breeds before selecting a pet to learn which are susceptible to certain conditions (which may create big medical bills in the future) and whether or not they shed (which could lead to having to spend more time cleaning or replace furniture).
All investments involve risk, including loss of principal. The contents presented herein are provided for general investment education and informational purposes only and do not constitute an offer to sell or a solicitation to buy any specific securities or engage in any particular investment strategy. Acorns is not engaged in rendering any tax, legal, or accounting advice. Please consult with a qualified professional for this type of advice.
Any references to past performance, regarding financial markets or otherwise, do not indicate or guarantee future results. Forward-looking statements, including without limitations investment outcomes and projections, are hypothetical and educational in nature. The results of any hypothetical projections can and may differ from actual investment results had the strategies been deployed in actual securities accounts. It is not possible to invest directly in an index.