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25 Money Saving Hacks That Will Help You Save Money


Woman holding money

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Sticking to a budget can be pretty hard for a lot of people. Trust me, when you don’t want to make dinner one evening, so you get take-out. Or what about when you see a great sale going on and you just have to have the product. This is where these money saving hacks come into play.


We’re all human, and we don’t always stick to our budgets. Ariel and I have lived on a budget for the quite a while now, and we’ve adopted these ideas to help save more money. If you’re still interested in making other changes to saving, check out this post where we share with you our thoughts on changes you need to make this year to save more money.


When sticking to your budget doesn’t seem likely one month, let these money saving hacks help compensate for the other loss of money. You might even make more money with these if you successfully stick to your budget. Ariel and I have put together this list to help you improve your financial life and get you that much closer to living financially free.


These tips for saving money will help you take back control of your financial situation. So, let’s get started!


1. Order your groceries online.

Why order your groceries online? This helps prevent the temptation of impulse buying (something I am prone to). Instead of feeling tempted to buy something that isn’t on the list, you only get what you need. (No more buying random things!)


Shopping online for groceries doesn’t have to be hard at all! Most major stores offer online groceries as an option. Places like Walmart, Target, and even Amazon offers grocery delivery.


How do you order online? First, you go to their website or download their app if they offer one (which most places do) and follow the instructions to set up an account.


Second, you want to enter in your payment method, and thirdly you start looking for groceries you need. It is that simple! If you still need help, I suggest calling the stores customer support team for more information.


2. Pay off your credit cards each month

How does this hack help save money? Well, how much interest do you pay on your credit card each month when you keep a balance on there? Credit cards tend to have a pretty high interest rate.

Person paying off credit card

Interest rates are high on credit cards because the credit you’re using is unsecured. Other loans have a security in case you default, such as a home or car. Credit cards don’t.


By simply paying down your credit cards, you immediately save more money. Ariel and I paid off all of our credit card debt and started fresh. We got tired of having a lot of debt over our shoulders, so we made changes. Read about them here and see how we paid off over $30,000 in credit card debt and student loans.


Try this! Each month, you should get what’s called a “statement balance” and this is what you used on the card in the previous cycle. This might be mailed or emailed, but you should get one. Whatever that balance is, make sure to pay that exact amount by the end of the next cycle. This will waive any interest that might be charged.


Talk with a loan expert at your local bank to find out more!


3. Cancel your video streaming services

When Ariel and I switched jobs, and she started working at a bank and I started doing real estate school, and we took a hit on our income.

Man watching a popular streaming service

We weren’t making as much during this time period, so we decided to make more changes. We had streaming services like Netflix, Hulu, Disney+, etc. Most of these companies allow you to sign in under other people’s accounts, and that’s what we did.


Our parents had most of these, so we cancelled our services and signed in under our parents for the time being (yes, we were mooching off them, but they didn’t mind, or did they?). This saved us about $50 or more each month.


4. Buy your groceries in bulk.

If you go grocery shopping frequently, that temptation to buy more than you need is still there. It still exists online too. So, try buying everything you need in one grocery run.


By doing this, you cutout the extra times you might be exposing yourselves to the temptation of seeing something and getting it. Also, when you get your groceries, set the next date for you to go get more groceries. This helps you to not want to go shopping randomly and reminds you that you don’t need more until this date.


5. Cancel your gym membership.

I don’t know about you but during the Covid-19 pandemic, we worked out at home. The crazy thing is, we kept our gym membership going even though we had not been in like 4 months.

Woman going for a run instead of the gym

If that’s you, try using this money saving hack to save you more money. Cancel your gym membership and work out at home. Consider getting on YouTube and finding home workouts, or even going out for a run.


I (Tyler) was a distance runner in high school, and let me tell you, running is a lot cheaper than a gym membership with a treadmill. If you don’t want to give it up, try finding a cheaper gym.


6. Start a blog!

Woman blogging on the beach

This is the mother of money saving hacks that I could ever offer you! This may also take you the longest time to start making money. Starting a blog can honestly make you a lot of money if you play the game just right.


Some blogs out there make over $10,000 a month! Others that have been online blogging for a while now are making about $100,000 a month! EVERY MONTH! Those are rare but they are possible. The majority of bloggers make about $1,000 to $10,000 every month.


Honestly, if I was making $10,000 a month, I would be okay with that. If you don’t want to become a full-time blogger, then start one on the side and make an extra $500-$1,000 every month. I am literally not exaggerating. Find out how to start a blog here!


Additionally, you need a great platform to get started with blogging. We recommend 2 different platforms to get started. The first is Bluehost. When you sign up for Bluehost using this link, you get a discount and only get charged $3.95 a month versus $8.99. Sign up here to save money on blogging!


We also recommend Wix. Wix is more user friendly than Bluehost. However, Bluehost does offer a lot more website themes that may enhance your blogs popularity. Start now!


If you want to start a blog today, use this really cool tool to find a great domain name:


7. Sign up to do a meal delivery service.

Companies like DoorDash, Uber Eats, Postmates, and GrubHub allow individuals to sign up and make money on the side while delivering take-out food to customers.


The reason it is considered a saving hack is because, in our opinion making more money helps with saving more money.


8. Invest in stock.

Investing in stocks is a lot riskier, but as we always say, don’t go through life without taking a few risks. Stock investing requires research before throwing your money in.

Stock phone app

If you want to invest in stock, try researching stock experts and finding out what they say about certain stocks that have potential. A few experts include:

· Stock Moe on YouTube

· Investopedia

· TipRanks


Do your own research, and be careful investing, but investing enough money in the right ways can bring in more money so you can save.


9. Start meal planning

Meal planning is when you write down and plan any meals you want to have for the weeks ahead. By doing this, you know what to write down on your grocery list.


This has both health and savings benefits. By visually looking at what you want to have for dinner for the next week, it helps you not to eat random junk food, but to make more fresh homemade meals that are healthier for you.


Ariel and I plan out our meals for the month when we get our groceries. We make a list on our phone notes app. We don’t label which days we have to eat them on, but we do make a grocery list based off what kind of meals that we plan to have for the next month.


You also save money because you have meals planned at home instead of eating out. This hack plus the next one goes hand in hand with saving money.


10. Bring a list of items when you do go shopping.

By making a groceries list, you’re less tempted to buy things you don’t need. This helps you to stray from random shopping choices that seem like a good idea at that moment.


Make a list of groceries that you know you’ll eat and won’t allow to go to waste. Ariel and I use to buy random groceries and almost half the produce would go to waste because we never knew what to make with it. Save money by writing out your grocery list and getting only what you need.


11. Pay any debt at the beginning of the month, not the end.

This can actually save you money in the long run. How? Paying your bills, or at-least setting aside the money for them, allows you to see what you plan to have left for the month ahead for savings and spending.


Make a budget, and make sure to set your bills aside and find the total of spending cash you have left. Once you see how much you have left for the month before you’ve spent it all, give yourself a budget for fun money or random charges you might make. The rest you should designate for your savings account.


If you have trouble budgeting your money, find some really great budgeting apps. Apps include:

· Mint

· Goodbudget

· EveryDollar

· NerdWallet

· Honeydue


These are all great options but do your own research and find out which one will be better for you! Find out how to budget here.


12. Have a separate savings account.

Do not keep your money all in one account! Why? Because if you have $1,000 and $200 of that is meant to save for the month, with it being connected to your checking account it’s much easier to spend it.


If you plan on saving money each month, open up a saving account and transfer what you plan to save at the beginning of each month. By doing this you make it harder to spend that money and easier to save it.


13. Invest in rent houses.

This one is a more expensive option. If you end up moving from your current home and buying a new home, you may consider not selling the home you’re leaving and renting it out to tenants.

Investing in a rent house

You could charge an extra $200-300 each month on top of what the mortgage payment is. You could easily put this in your savings or apply it towards the house payment. The faster it’s paid off the faster you get to save and make more money.


14. Sign up for a credit card that offers great cash back options.

Cash back credit card

Ariel and I decided to get rid of our other credit cards that were hardly earning that much on cash back. So, what did we switch to? We decided to go with Apple’s new credit card, the Apple Card.


Why is this card better? Well, this is why:

· It’s made out of titanium. It isn’t plastic and will last a lot longer versus other cards.

· It is more secure. The front of the card as you can see has no card number. Where is it at then? It is stored in your wallet on your phone. Simply view the card information section and there it is.

· If the card is compromised, no problem! Simply go into your phone’s wallet setting and request a new card number. You should get a new one quickly since the real card has no card number imprinted on it. You can also file disputes through text! (This works better if you have an iPhone).

· No Fees! That’s right. No annual fees or hidden ones. (This automatically saves you more money).

· Unlimited cash back. You get 1% on every purchase. 2% on purchases done through apple pay. 3% on anything you buy from Apple.


You don’t have to use Apple but find a better credit card that pays more to use it.


15. Drink more water.

Man drinking water

I know, you like your tea and soda. But think about this. Buying water at a grocery store is cheaper than buying a 24 pack of soda. They may be similar in price, but you typically get more water than you do soda which allows you to buy drinks less often.


And when you dine out, water is usually free. That will save you an extra $3 you could have spent on soda or something else.


16. Search for cheaper auto insurance.

Ariel and I were paying a lot for auto insurance when we first got married. Then we started to get better quotes from places simply because we were married and over 21.


We switched and started saving $75 a month. If you can find cheaper auto insurance, then do it. You could be paying more than you have to.


17. Sell your car and get a more gas efficient car.

I (Tyler) have always wanted a truck. For real! Trucks are freaking awesome! But they cost a lot more in gas then a car.


So, instead of getting a truck, Ariel and I both have cars because it saves us money. We could afford a truck now, but when we first got married, we were scraping by. Having more fuel-efficient cars also helped us pay off our $30,000 of student loan and credit card debt.


18. Eat leftovers more often.

I hate eating leftovers. We’re those kinds of people that really enjoy a fresh homecooked meal every night. If that’s you, we get it. But this could be costing you more money in the long run.


By eating leftovers for lunch or the next day’s dinner, you save more food. You’ll be able to spread your groceries out longer. This helps to not have to go to the grocery store more often than you need to.


19. Downgrade your expensive phone plan.

Find a great phone plan that’s affordable to you. Ariel and I use AT&T, but we downgraded our plan at one point because they still offered unlimited data, talk and text.


I really don’t know what the difference was, but it saved us $40 a month on our phone plans. Contact your service provider or look around and find better deals. You might even need to switch to a different company to save more money.


20. Watch movies at home instead of the theater.

You know that movie you really want to see from time to time? Seeing it in theaters is fun, sure! However, if you spend $40-50 on tickets and popcorn and drinks, you may want to watch it at home.

Family watches a movie at home

If you need to save more money, waiting for the movie to be available online is a great hack. Sure, the movie may cost $15-20 online, but that’s usually cheaper than movie 2 or more movie tickets. And you have your own kitchen that’s free.


21. Start a side hustle.

My favorite side hustle was blogging. Eventually blogging grew and started to make more money.

Woman taking a picture with a camera

You don’t have to blog necessarily but find something you’re good at and make money on the side with it. It could be photography, or playing an instrument at a café, or online tutoring. This helps to make more so you can put it back in your savings account.


Find out more ideas here and start a killer side hustle!


22. Pay your bills on time.

Simply paying your bills on time can save you more money. You could be saving by not paying higher interest rates or late fees.


When I (Tyler) worked at a bank, people would call in all the time and pay off a negative balance they owed. They were simply negative in their checking. I kid you not, people would live in the negative when they didn’t have to. Every transaction would charge them a $27 overdraft fee.


Pay your bills on time, and do not go negative in your accounts. Do everything you can to stray from that happening.


23. Cancel your cable bill and get a cheaper streaming service.

I have said it before, but this can save you and your family a lot of money. Cable bills can cost quite a bit. And honestly, do you really need it?


Try cancelling this and getting a cheaper streaming service that saves you more money. You can get news online anyways for free, so if you really want to save, cancel your cable bill. Ariel and I use other streaming services and never even think about cable. Will we ever get it again? Probably not!


24. Refinance loans and look for a cheaper interest rate.

If you’ve had a loan for quite some time now, then maybe you should try refinancing your loan. Here’s how it saves you money.


By refinancing your loan, you do restart it for the same time period that you originally got it for, most of the time. Well, a lower balance will equal a lower minimum payment and possibly a lower interest rate.


You could get a better interest rate by simply working on your credit score and getting into a better credit score tier.


This could help you have a little extra cash to actually save or use for other purposes.


25. Buy off brand items.

When Ariel and I got married, we always wanted the best quality foods from every brand. The biggest thing we realized was that most items that you buy off brand usually tasted the same or very similar.


So, instead of buying name brand Mac & Cheese, we got off brand Mac & Cheese. To us it tasted similar enough that we didn’t mind. We also got off brand milk, eggs, bread, anything!


Buying off brand can save you hundreds throughout the year!


Final Thoughts

Use these hacks to help save you more money! We tried them and we were able to pay off debt, and then we were able to do more of what we wanted to do. Having more money in the bank takes away a lot of stress, and allows you to feel freer, and less restricted.


If you liked this post, you’ll love our other posts! Sign up below for our email list and you’ll get access to exclusive tips for making and saving money, plus early notice of the latest blog post. Sign up now and be a part of the Cents of Marriage family.

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