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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Health & Fitness

  1. Use pre-tax medical savings programs, like an FSA or HSA, for expenses like prescriptions, co-pays and more.
  2. Look up specialists in your healthcare portal before choosing a physician to ensure that he or she is in-network.
  3. Buy vitamins and contact lenses in bulk.
  4. Negotiate your gym membership fees or ask for a promotional deal you found online.
  5. Cancel your gym membership and exercise outside or by watching personal trainers’ classes on YouTube for free.
  6. Look for other freebies in your city, like yoga classes at Lululemon or one-day workouts in public parks.


  1. Cash in credit card rewards toward free hotel stays and other perks.
  2. Pool your frequent flyer miles and apply them to upcoming travel.
  3. Join hotel loyalty programs—Starwood Preferred Guest and Marriott are top choices—for upgrades and discounts.
  4. Choose a budget-friendly destination that’s off the beaten path, or visit a tourist hot spot during the off-season.
  5. Go by train or boat. Plan your vacation to train-friendly destinations or book a cruise, both of which can be more cost-friendly than flying.
  6. Buy airline tickets from a consolidator, a special type of travel agent which offers highly discounted international airfare.
  7. Follow travel bloggers or airlines (like @JetBlueCheeps) for flash airline sales.
  8. Rent out your home while you’re away on vacation to avoid paying a house sitter and earn some extra cash.
  9. If you have an extra room, rent it to out even when you’re not on vacation.
  10. Opt for a staycation to save big on travel costs and be a tourist in your own town.
  11. Traveling with friends? Bunk together and share hotel costs instead of choosing separate rooms.

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Socializing & Entertainment

  1. Order drinks on happy-hour special, and opt for tasters or flights of wine or beer in lieu of full glasses.
  2. Negotiate group rates for activities that allow you and your pals to pay a discounted per-person price for something you all want to do.
  3. Organize a social swap with friends or family where everyone brings items to offload. Shop each other’s wares, then donate whatever’s left over.
  4. Take a class with your pals, using Groupon or Living Social to score a deal.
  5. Opt to go for a hike or walk with a friend instead of grabbing lunch or drinks.
  6. Volunteer. It’s free and will make you feel good, too.
  7. Host friends for a potluck or game night instead of going out.
  8. 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.
  9. 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

  1. Enroll in subscription services (like Amazon Family) for diapers and other everyday baby and kid items. You can sometimes score 20 percent off.
  2. 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.
  3. Find out what new-baby items your health insurance covers and apply for reimbursement. (There are often more than you think.)
  4. 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.
  5. Open a 529 plan for your kids so you can save for college little by little.
  6. Go to theme parks, museums and other places that offer children’s tickets or free entry for kids under a certain age.
  7. Take advantage of restaurants that allow kids to eat for free on designated nights.
  8. 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.
  9. 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).


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