95+ Money Saving Tips – From the readers!

By glblguy

Money Saving MondayLast week I invited readers and bloggers alike to share (or blog) your favorite money saving tips. I also threw in the added bonus that the most creative idea would receive a $25 Amazon.com gift card. 37 of you chimed in and shared more than 60 tips! I really enjoyed reading everyone’s ideas and below you’ll find a recap of everyone’s ideas.

Want to know who won? I’ll tell you after I share all the tips!

Money Saving Tips from the readers:

Jovan Jones shared: When making a purchase; stop and consider all the hours you worked hard to trade away dollars for that item you want

Meredith shared:

  • If you’re a bit on the messy side, like me, and you find yourself out and tempted to buy something, think about the mess you already have back at home! For example, clothes-remembering the huge pile of clothes on my bedroom floor and the constant pile of laundry in the hamper is a reality check-why on earth would I ADD to that if I’m already struggling to manage what I have?
  • Shop alone, and don’t use a shopping cart or basket. That limits you to only buying what you can carry with your own two hands. In addition, park FAR away to further discourage yourself from excess purchasing-it’s no fun to lug stuff all the way out to the car.
  • A great and true quote to commit to memory: “Every increased possession loads us with new weariness” “” John Ruskin.

Damsel shared:

  • Surround yourself with like-minded people. This doesn’t mean dropping all of your friends who aren’t budget-conscious (although, who isn’t these days??), but it does mean choosing to spend more time with those who are.
  • Have an accountability partner who ISN’T your spouse. We all need someone we can bounce ideas off of, vent to, and who we can trust to look us in the face and tell us what we really NEED to hear (not just what we want to hear).
  • Have potluck parties and board game nights! My friends and I do this about once a month. I send out an evite invitation, and everyone responds with what they can bring. Everyone shows up with food and some board games”¦ Tons of fun and very low-cost!
  • Don’t be afraid to explain to your children that “we aren’t choosing to spend money on that right now”. I do this with my four year old son all the time when he asks for something. I tell him that we are saving our money for XYZ (a trip to see Daddy this weekend, for example “” my husband is in the Army and currently in training, so we can’t live where he is stationed). Besides showing your children that you consciously choose where to apply your funds, it teaches them delayed gratification. Nine times out of ten, my son will choose the “bigger” thing that we’re saving for over the cheap toy in the store. I’ve even overheard my son recounting one of these incidents to my dad “” telling him all about how we’re saving our money to go see Daddy!
  • Trade babysitting with some friends. We used to do this all the time with another couple. We would keep their kids one night a month, and they would return the favor. It was wonderful to know that we had at least ONE date per month! When you have small children, it’s often the babysitting cost that puts a date night out of reach, financially speaking.
  • Don’t “shop”. “Hunt” instead. I suppose this is another way of saying “make a list and stick to it!”. I don’t window shop (online or in brick and mortar stores).
  • Force yourself to “sleep on it” before purchasing anything over a set dollar amount (mine is $25). The majority of the time, I wake up the next day and realize that a particular item is not something I really wanted to spend money on.

Linda Jacobsen shared: I may be late to the party, but I discovered that if I purchase a rechargeable gift card in Walmart, I can use it at the gas station at Walmart and save 3 cents per gallon on gas and diesel. We drive a 40″² diesel motorhome with a 100 gallon tank. The savings add up!

David shared:

My family of 4 vacations every year at the beach with three other families. We’ve been doing it for 6 years and really enjoy the time with our friends. But for some strange reason, my wife (and most women I know) think they need a new bathing suit every summer. I’ve never heard a man say, “summer is approaching and I need to go bathing suit shopping.”

Have you ever noticed how much it cost for a women’s bathing suit? It is ridiculous how much they charge to cover so little. There is much more material in a man’s bathing suit but it cost 1/5 of the price of a women’s suit. So times, even 1/10 of what women pay for a suit.

So instead of having a “discussion” with my wife about the cost of her suit we dediced after last years trip to start saving all of our silver change in a “bathing suit piggy bank”. I probably shouldn’t use the word “piggy” when talking about my wife’s bathing suit.

So far, we have saved around $50 in change and still have 3 months before the vacation. I told her when it was time, she can take the change and buy whatever she wants and I won’t say a word.

By the way, I’ll be wearing the bathing suit I had last year”¦and the year before that”¦.and the year before that..

Debt Free Adventure shared: A tip I will offer up here is to TITHE to your local new testament church! This tip has been more of a financial blessing to me than anything else I have ever employed.

Judy shared: I have really surprised myself with this tip! As my monthly bills come in, I am calling each company and asking them to give me a discount on my services-not a change in services-just a discount on the ones I currently have. I have saved tons of money! I called my satellite provider, land line phone, cell phone, hospital bill, security service, internet provider, etc. Try it!

Nancy D. shared: Many restaurants offer e-clubs. Sign up at their websites and some may email you a discount coupon for joining, your birthday, or anniversary. You’re likely to also receive new menu item announcements and special promotions.

Jan shared: Put up a clothes line-I save at least $25 a month by not running the dryer when it’s warm outside.

google patriot shared: I never spend my pocket change. If I make a purchase of 99 cents and I pay with a dollar bill, then that penny goes in my pocket. Later if I make a purchase of $1.01, I’ll give the cashier two $1.00 dollar bills and receive 99 cents in change. If that’s all my purchases for the day, then I’ll empty my pocket change of $1.00 into an old coffee can at the end of the day. When I’ve got 2 or 3 cans full of coins, I’ll wrap them in the coin holders (for me, that’s therapeutic), take them to the bank and deposit them in my emergency fund. It’s amazing how the loose change adds up!

Scott shared: Shoot the satellite”¦Cut the Cable”¦!

I’ve yet to go whole hog with this one but most of the good shows on TV now are available online. I’ve been reading up on how to watch TV off the internet and it’s very doable. With sites like Hulu.com and the readily available hardware to roll-your-own media box (Xbox, Apple TV, Windows Media Player, XMBC, Boxee) and with the new Digital TV initiative set to take place in June 09, you can get most shows for free and in good definition. I hope to go “˜off the grid’ with my TV viewing and take back that $75/month from DirectTV that I cringe giving them.

Stacey shared: Buy food in bulk and on sale, and separate packages into meal-size portions. Freeze if necessary. We never pay more than $1.99 for meat – often much less.

It’s so nice to have a variety of food choices waiting in the freezer and pantry. In the morning we pick out what we’ll eat that night, which eliminates our desire for expensive take-out.

Greg J. shared: I have two tips I can think of that I don’t think have been mentioned:

  1. Keep in mind that EVERYTHING is negotiable. I recently rented a vacation house for a weekend. I asked for $150 off and the owner counter-offered with $95.00 off. $95 more cash in my pocket just for asking! And this goes for pretty much everything – I could list many more examples.
  2. If you have a gym membership and actually use it”¦take your showers there! You’re already paying for all the services invcluding the shower. So why not transfer the cost of water, heating that water, (and soap/shampoo/towels if your gym does that) to the gym? It’ll add up a lot faster than you think

Ace shared: Subscribe to as many free samples and magazines as you can. During the winter time, roll up the magazines and use them as fire wood. Ok, that last one was a joke.. maybe. Here’s a good one. Bring back the barter system and talk to friends who are plumbers, carpenters, painters or even accountants. Trade skills. For example, if you can fix computers, fix the plumber’s computer and let him fix your pipes. No pun intended.

Dave shared:
My method of saving actually relies on spending a bit of money (ironic, no?). But, hear me out.

My wife and I each have a “fun money” fund. We each get $20 automatically deposited into a special etrade account. We can each spend our fun money any way we want, without needing the approval of the other.

So, how does this save us money you ask? Well, before we started the fun money account, we would just buy whatever “fun stuff” we wanted. Yeah, we might feel bad about it, but we’d still do it. Now, if we want something, we have to save up for it (and decide if we really want it), until we get our next deposit.

Then, whenever we spend the money, we transfer that money out of our fun money account and into our emergency savings account.

I like this tip because it’s beyond the normal “cut your spending, increase your income” tips. I feel like I’ve followed all those tips already, but still want to save more. This allows us to do just that!

Erin shared: Thank you for your site! OK, my tip may seem a little extreme, but it works for us. I purchase canned fruit only in the mondo big cans. The smaller cans can cost about 1-2 dollars, and the huge cans are about $4-6 at a warehouse store. When we decide that we’d like to eat, say canned pineapple, I drain the juice first. This amounts to about 4 cups of juice. Pour into ice cube trays and once frozen transfer to a zipper bag and toss it back into the freezer. The fruit then goes onto the dinner table, lunch bag the next day, dinner table the following night and eaten at snack time. About the 3rd day, any remaining fruit goes into the freezer in a zipper bag. What do we do with all the frozen fruit and juice? Smoothies! We stretch that $5.00 can of fruit until it begs for mercy!!

Stacey shared: after my son takes a bath, i re-use the water to water my house plants and even some of my potted plants outside. he’s not much for bubble baths anyway so the water doesn’t have much soap. and the plants don’t seem to mind!

Jo shared:

  1. Use the library for movies, books and magazines. Ours has a great online database, and we can reserve items from other locations and have them sent to the brance closest to us. Unless you’re late turning in your items, they’re free.
  2. Plan to make purchases for things you know you’ll need in the off season. Buy your child’s winter coat in May for the next winter. Shop online clearing sites like campmor.com for outdoor gear like hiking equipment in December, etc. My favorite is to buy Halloween candy dirt cheap after the holiday, and save it for a month to decorate our Christmas gingerbread house!
  3. Make a weekly menu based partly on what’s in your pantry and freezer, and also what’s on sale that week at your local grocery store. Whatever day your sale ad is published is the day to create your menu. Buy the items you don’t already have on hand at a lower price than retail.

Pam shared:

I really enjoy reading all the ways to save. This is the first time I’ve ever replied so here goes. I was just reading an email from Simple Living, and she had a guest writer that I feel hit the nail on the head. Everyone lives in such diverse situations, so everyone has to find ways in their life/situation that help them save. It will definitely be different for everyone. We personally eat at restaurants maybe once a month. Finding online coupons isn’t feasible for us. They don’t feature the restaurants in our rural area. Using coupons for food isn’t really feasible for us either. We have one little grocery store, and they don’t offer double coupons and even hate to take a coupon as it is more work for them or they just throw it away and eat the expense themselves. That doesn’t seem fair to me so I rarely use a coupon unless it is an in store coupon. I’ve found that many of the coupons are for “fast” convenience foods anyway, which I rarely use.

BUT, some ways I do save are “¦

  • Since we live on a wheat farm, I grind my own wheat to bake my bread with.
  • I hang our clothes on the line outside in nice weather or on a rack inside during the winter.
  • I have many days that are no-spend days. A mall is 60 miles away and there isn’t a coffee shop on any corner.
  • We heat our home with a corn stove with corn we raise ourselves.
  • 99 percent of my cooking is from scratch.
  • I use a credit card for most of my purchases. In 30+ years I’ve never paid a lick of interest, and I’ve received more “cash back” than I earned in interest having a savings account for 30 years. (I keep very close tabs on my credit card!)
  • I’ve saved my Christmas bonus for the last few years and this winter, after going online and finding
  • free woodworking plans, my hubby and I built floor-to-ceiling shelves across an entire wall for less than $300. If we’d bought a wall unit, it would have cost a couple of thousand.

A couple of things that are new ways to save that I’m trying are repairing my own shoes with shoe goo and using new insole inserts. I’ve cut my hubby’s hair for 32 years, and now I’m experimenting with cutting my own hair.

GrannyAnnie shared:

  1. Budget. When I’m accountable to myself for every dollar, I’m MUCH more likely to choose wisely. It keeps me alert.
  2. Automated savings. I have a certain amount deducted from my direct deposited paycheck that goes to a savings account. I don’t see it. I don’t count that in my monthly income. It just goes. I also have an online savings account and have a certain amount automatically transferred from my checking account to the savings account. I look at this as a routine bill that has to be accounted for, just like anything else.
  3. “Split the difference raises”. Any time I get an annual merit raise, I “split the difference”. If the raise is 3%, I raise my retirement savings by 2% and I get to keep the extra 1%.
  4. The Savings Game. How much can I save off this grocery bill? My budget for this paycheck is $150. Can I get it under that? I got it under $125 last time. Can I do better this time? My gas budget this time is $60. How low can I get it? And so on and so forth. Any amount under budget gets saved. I am “allowed” to get myself a treat with some of the proceeds if I really, really want it.
  5. Reading Blogs. Great way to learn personal finance, cheap entertainment, online friends. Thanks, ya’ll!

Stacey shared:

  1. I purchased cloth napkins (you can find them cheap after a holiday – especially christmas – just look for the solid colors instead of the holiday print. We have gone “paperless” for two years now and it really helps out not having to purchase napkins regularly (and I love not discovering we’re out of napkins on taco night with three small boys!) i’m already doing 2 loads of laundry per day – what’s a few cloth napkins added to the mix?
  2. ING account – after experimenting with this account, i have decided i love watching my savings grow! i have 4 accounts: one specifically for Christmas. right now i have close to $200 in that account alone and it’s only march! as for the “missing” money out of my checking account? I hardly notice it. I have a set amount taken every week and i have been increasing that amount by $5 increments every month to find my boiling point – it hasn’t happened yet! my only regret is that i didn’t start this savings years ago”¦
  3. thrift stores – seriously: do 3 year old boys know or care about the difference??
  4. Sell your children’s old toys at a consignment store – probably don’t make as much as a garage sale, but it’s half the hassle!
  5. plan menus a week or two in advance – this really saves money at the grocery store
  6. live in a rural area. there’s no starbucks here. No Mcdonalds. The mall is 50 miles away – so is Walmart. For fun we: ice fish in the winter. Camp and go for bike rides in the summer. I can take my entire family to the local movie theater for $20 (including snacks) and there’s a drive-in 1 hour away. We raise our own meat, have plenty of land for a garden and if we chose to go “uptown” for a drink on a Saturday night, it’s less than 6 blocks away – no need for a cab (not that you’d find a cab out here anyway!)

The country life is by far the best way to live a frugal life :)

Catherine shared:

My absolute favorite hobby is reading. Yes, I do take out books and movies from the library – for free – but, due to the amount I read, I like to have lots and lots of books around me. But, this can get expensive.

That is why I am now addicted to paperbackswap.com. This is a site where you can swap books with people all over the country. And for being a free site, it has soooo many nifty features and functionality like the following:

  • over 3 million available books
  • easy transaction process “¦ each book is worth 1 credit
  • it’s not a complicated swap process where you have to give a book to the person you are getting a book from “¦ the currency is the credits
  • ability to maintain a wish list “¦ if the book you want isn’t currently available, put it on your wish list and when it becomes available you receive an email
  • ability to maintain a To Be Read list “¦ this is a list of all the books you own that you haven’t read yet “¦ the beauty is that if one of your books is on another person’s wish list, there will be a little “W” beside the title. This allows you to prioritize your reading so that you can post the books other people are waiting for
    you can print postage right online “¦ no trip to the post office “¦ saves on gas
    there are strong reader communities “¦ great for book recommendations

I receive a credit for each person I refer, so if anyone signs up please use me as a referral: catphilly or use my link.

dawn shared: One of my favorites, from my blog post on saving at the grocery store: Grow your own. Even a modestly-sized garden plot can yield a tremendous bounty of organic, homegrown vegetables. There are many varieties especially developed for container gardening, such as dwarf cherry tomatoes. If you’re a beginner, stick with the easiest-to-grow veggies, including tomatoes, string beans, squashes, zucchini, green peppers, snap peas and lettuce. Herbs like parsley, basil or chives are especially undemanding.

Bobbi shared: I think my favorite is the automatic ING savings account. I don’t even miss it.

Scott shared: Always clean out your dryer lint trap after every use. It takes 1.5 times as long to dry a load of clothing in the dryer with a clogged lint trap. Or better yet put them out on the clothes line to dry!

JC shared: One of the best things about Google is that they offer some great free services: Voice or Video Chat / SMS Text Messages / 411

jolyn shared: I admit I am borrowing this idea from my nephew, but it is just too clever not to share. Young men, for prom “” instead of renting your tux, work out a bartering deal with the rental shop. My nephew wore one of their tuxes to his high school for a whole day (“advertising”), and in exchange he is getting his tux for prom rent-free! Now that’s using your noggin, as my grandma would say.

cristina shared: This best bargains are the most natural for me at least. When I read the Sunday papers, I clip coupons of things I use or want to try – then I keep them in an envelope in my bag by category, but no particular order & if I’m in Walgreen’s for a prescription, I’ve noticed that even Crest phases out certain types of toothpaste. When you have a $1.00 or $0.75 coupon & the toothpaste is down to a dollar as Colgate recently was – I stock up for pennies & in some cases nothing. Same for many other toiletries. Many coupons don’t specify the actual type just the brand – these are particularyly helpful. Food-wise I cook & take what I make to work. I also try & freeze an extra meal & thus have something always something available. If I eat Chinese food, I get the special & plan for another meal (or two). Think ahead and you’ll reap the benefit.

JS shared: We can cut our international flight cost by almost half by using airline points. If you don’t accumulate your own airline points, you can purchase the points from craigslist or ebay (pssstt.. this is against the airline policy). For ex, travel to southeast asia usually costs around $1000-1800. Usually you can buy 60k-80k points for under $900.

crazyliblady shared:

  1. Big Lots is my friend. Although I cannot find everything here, I do find a lot of things at extremely reduced prices. I also get coupons from them emailed to me by being in the Buzz Club.
  2. I take my lunch to work nearly every day. I usually take something like tuna fish, crackers, an orange, and trail mix. This is a much healthier alternative and saves me more than $20 per week. I also have an insulated travel mug at work that I use to make my own tea rather than buying high sugar and expensive colas.
  3. I love shopping at Walgreens because they allow you to use store coupons, manufacturer coupons, and sales all on the same item. I have been able to save more than 50% this way. I watch the Walgreens ads every week and combine the sales and coupons to save lots of money. I also send in rebates when I can.
  4. Do direct deposit to a savings account every payday. In just 3 short months, I have my emergency savings balance up to $597 by doing direct deposit every payday and putting other small extras in there from time to time.
  5. Mrrebates.com saves me money if I shop online. Between rebates and instant coupons, I can usually save 5-10% just by logging in there first.
  6. If I have to go on a trip for work, I work hard at setting aside the money ahead of time and not using the credit card. I also contact the Chamber of Commerce for the area. Sometimes they will send coupons or at least a street map. I find out less expensive ways of getting around the city, such as the local bus system. Taxis are too expensive. In June this year, I will be attending a conference in another state and will be sharing a hotel room with two other people. I also check to see if my AAA card will get me any discounts on anything. I also cash in my survey points for cash or restaurant gift cards.
  7. I pay my credit card online rather than mailing the payment because it results in less interest paid. I can also schedule a payment several days in advance if I know a rebate, survey payment, or paycheck is about to clear the bank account.

tiffanie shared:

I’m currently going through a divorce, where my husband brought in the majority of our shared income. i work a part time minimum wage job”¦and I moved out on my own. I’ve had to find many ways to cut back and save money:

  1. I use candles in the evening for some lighting throughout the apartment. no, it’s not enough to read by or anything, but it gives a nice ambiance to whatever else i may be doing. I don’t leave lights on when I’m not in the room, and i don’t like turning lights on unless I’m reading or writing where i need to have light.
  2. I make batch meals and freeze single serve portions since it’s just me now. this saves on groceries for the week as I’ve got quick lunches to go for work throughout the week.
  3. I use a points credit card to accumulate points so that I can redeem them for gift cards to amazon. the card is used for all of my purchases and i pay it off in full each month. I usually get a $50 gift card every 2-4 months. this helps pay for incidentals that i may need.
  4. I shop around for car insurance each year to save on my premiums! i saved $300 this time around. :)

Abigail shared:

The basic idea is: We spend so much time trying to be our frugal best (or diet
best or whatever sector you’re trying to perfect) that we fail to plan for human
error. Rather than try to force yourself to never eat out — then order a pizza
after a particularly long, bad day — stock up on some quick, easy meals.

I just think we’re all so desperate to be “good” that we end up wasting time,
energy and, yes, money. If we accepted ourselves more, we could plan around our
love of pizza (or shoes, or expensive chocolate) in a frugal way.

The current way, we end up in a cycle of guilt, shame and self-loathing — plus
we’re out way more money than we had wanted. So my ultimate saving tip would
have to be: Take a realistic look at yourself. Accept yourself. And base your
life on that.

Carrie shared:
I have lots of money saving tips up my sleeve, but I’ll just provide the ones
I’ve blogged about recently. :)

1. Library! It amazes me that very few people take advantage of this free
hidden gem! You can wipe the amount you spend on books, CDs, movies, and
magazines to zero just by using this public resource.

2. Restaurant.com. It’s not a scam. I use it all the time. Tons of
restaurants in tons of cities participate and you just type in your zip code and
you’re off!

Dave shared a TON of tips:

1. Never boil water in an open pot. Water boils faster in a covered pot and
uses less energy.
2. Baking with ceramic or glass pans will allow you to lower cooking
temperatures by 25 degrees.
3. Let your dishes air dry instead of using the drying cycle. If your
dishwasher doesn’t have an air dry cycle, turn your dishwasher off.
4. Remove all mobile phone chargers, camera chargers and DAB radios from the
plug socket when they are not actually being used. Many of these devices use
electricity even when they are not in use. Some even use more energy when they
aren’t being used than when they are! You can often feel the warmth given off by
the transformer (the part which goes into the socket.)
5. Televisions and Computers: It’s well worth switching these off between
sessions. Both computers and TVs are relatively heavy consumers of energy, yet
many people leave them on for hours when they are not in use. Leaving TVs on
standby wastes more energy, too.
6. Vegetables cook more evenly and quickly when they are cut up finely. You can
cut down cooking times considerably by chopping things into small pieces – as
much as 60%. This is worth thinking about if you are steaming veg because you
are not increasing the fat needed, nor are you losing vitamins, as you might if
you were boiling them.
7. Be sure that your thermostat is away from any sources of heat, such as PCs,
TVs, floor heaters, light fixtures, cookers, etc. Also check behind your
thermostat. If the hole the wire comes through is bigger than the diamitor of a
pencil, fill it up with sheetrock mud. Your thermostat could be reading the
inside wall temp and not your room space temp.
8. When installing central air conditioning units, put the condenser unit
somewhere in the shade as this will help the heat from it to be dispersed more
effectively. If the location of your condenser is unshaded, think about planting
shrubs or small trees nearby to produce shade upon it. Be careful that trees are
not close enough to disrupt the building’s foundations and at least 30 inches
away from your condenser unit so it can be easily cleaned and serviced. Clean
your condenser coils before and mid summer for best results.
9. Think about installing shading for your windows – blinds, shutters and
curtains can all help reduce absorption of heat during the day. Strategically
placed trees and shrubs may also help to shade the sunny side of the house or
apartment, so cutting down the heating of the building. Just as much of the heat
loss of homes in cold weather is though windows, a lot of heat gain in summer
also takes place through window glass. So it makes sense to shade your windows
effectively if at all possible.
10. Fridges and Freezers are more efficient when cleaned and defrosted
regularly. Also make sure that the seal around the edge stays in good shape.
Check that the door closes properly each time it’s used. Anything that’s hot
that you want to store is best left to cool until it’s around room temperature
before you put it inside the fridge or the freezer. Fridges are best kept not
too full, as they are more efficient if the air can circulate properly around
the interior. Freezers are more efficient if they are kept pretty full. In both
fridges and freezers the bottom is the place for things that really need keeping
cold. (Because warm air rises.) If you are defrosting food for later, defrost it
inside the fridge. That way you are using the chilliness of the product to
reduce your cooling needs for the fridge. This energy saving tip will only work
if you give your defrosting adequate time!
11. Water heating accounts for as much as 20 percent of your utility bill.
Insulate the hot water tank to reduce heat loss and save energy. Install the
pre-formed foam pipe insulation on your hot water pipes. Add a mechanical timer
to the unit so you can shut off power when it is not needed. Mine turns off at
08:00 and turns back on at 4:50 pm then off again at 10:00PM and stays off till
04:30 AM. I save 50% per year.
12. One of the little-known ways to save energy is to drain a quart of water
from your hot water tank every few months to remove sediment that impedes heat
transfer and lowers it’s efficiency. Lowering your water heater’s temperature to
115 degrees will lower your bills and the change in temperature is barely
noticable.
13. Fix leaky faucets. One drop per second can add up to 165 gallons a month -
that’s more than one person uses in two weeks. Take a shower instead of a bath
and you’ll use less hot water. Take shorter showers. For those who just have to
take a long shower to get going in the morning, install a low-flow shower head
to save valuable hot water.
14. Most metal and aluminum windows will leak air at the bottoms where air will
slip through between the bottom of the window and window sill. Purchase 5/8 inch
foam backing rod and insert across the bottom of the window frame and close. Now
there’s a foam barrier to stop the air leak.
15. Clean refrigerator, freezer and ice machine coils regularly. When these
become clogged the unit works 40% harder to keep temperatures cold.
16. Don’t defrost food in the microwave. If you plan ahead and put the food in
the refrigerator to defrost, it doesn’t cost a thing.
17. Use energy saver bulbs on all appliances and fixtures. They may cost a bit
more up front, but they are worth the investment
18. Cars: One of the simplest ways to save energy is to keep your tires
properly inflated. The U.S. Department of Energy reports that four million
gallons of gasoline could be saved nationwide each day for every pound per
square inch (psi) of under-inflated tires.
19. Insure that your homes under eve and gable vents are clean and allow free
air flow into your attic. Many times they get painted over in effect blocking
all the air flow.
20. Using your cars’s air conditioner decreases gas mileage by as much as 20
percent.
21. Install radiant barriers in your attic
22. Flipping on the air conditioning full blast as soon as you hop into a hot
car wastes gas and money. When you first get into a hot car, cool it down the
old fashioned way – roll down the windows, open the vents and peel back the
sunroof. Then, start the car and turn on the air conditioning.
23. Luggage racks increase vehicle drag and rob you of gas mileage. Remove them
when not in use to increase energy efficiency
24. As a general rule, lawns only need watering every 5 to 7 days in the summer
and every 10 to 14 days in the winter. A hearty rain eliminates the need for
watering for as long as two weeks.
25. Prevent heat and cooling loss by sealing air leaks around window and door
frames with caulk or weather stripping. Install insulated glass doors in front
of your fireplace to prevent heat and cooling from escaping up the chimney.
26. Washing your laundry with cold water whenever possible can save energy and
money.
27. Remove window air conditioners in the winter. If you can’t, enclose the
unit with an air conditioner cover or heavy plastic bag to stop drafts.
28. Keep your HVAC filters and coils clean. Replace as often as needed.
29. Insulate your attic trap door. Install a heat / air barrier between the
door and the attick when it is closed.
30. Install low-flor shower heads and sink aerators to save money on water
bills
31. Fix leaky faucets. One drop per second can add up to 165 gallons a month -
that’s more than one person uses in two weeks. Take a shower instead of a bath
and you’ll use less hot water. Take shorter showers. For those who just have to
take a long shower to get going in the morning, install a low-flow shower head
to save valuable hot water. If your toilet is running or dripping water, have it
repaired.Remember, 1 drop adds up!

Some bloggers decided to share posts instead of comments, here’s the links:

And the Winner Is!

Let me tell you, deciding who had the most creative tip was tough! You guys really came up with some great ones. So what I did was pick the ones that were my favorites (7 of them) and then used Randomize.com to pick a random number to select the winner.

And the winner of the $25 Amazon.com gift card is Jolyn! Her idea was a win-win scenario for tux rental, where her nephew wore the tux to school to advertise and then got the rental free. Awesome idea and I’m sure there are many many opportunities where you can work a deal like that with various stores and service providers.

Congratulations to Jolyn and thanks to everyone who submitted  a Money Saving Tip!

This article is part of an ongoing series called Money Saving Monday. Each Monday, I share tips and techniques you can use to start saving money.


20 Responses (including trackbacks) to “95+ Money Saving Tips – From the readers!”

  1. christy Says:

    Great article, but nobody has time to read all of that monstrously long post. I would try dividing biggies like that over more then one post, or people will have eye strain and carpal tunnel. ;)

    Thanks for sharing!

  2. Matt Jabs Says:

    Which were your 7 favorites?

    Matt Jabs

  3. DDFD at DivorcedDadFrugalDad.com Says:

    Really great ideas– thanks to all for sharing.

  4. dianne Says:

    One thing I do to save money is to write in less than I actually deposit in my checking account. So, if I make 367 a week, I write in 360. It’s only 7 bucks, but in 10 weeks it’s 70, 20 weeks = 140, etc. My checking and savings account are both interest bearing, so all that money sitting there is actually growing. And after doing my little plan for several years, I have about a two thousand dollar cushion in there in case of emergency. Since I never write it in, I never miss it (although it took a while for my husband to catch on – he was always wanting to reconcile it all and THAT would just mess me up!) I have had to dip into it from time to time, but as soon as that dip was over, I was right back to saving.

  5. Jaime Brosey Says:

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  6. Cory Says:

    First off, christy you are so right, breaking it up would make it so much easier to read but you do have some great ideas in there though and a lot most people dont think off. Another i have to add is switching to a prepaid phone. For someone like me who uses it for ermgancys and only about 150 minutes a month, my net 10 phone saves me a lot of money. Its a flat rate of 10 cents a minute for text. So i pay about 15 bucks a month instead of the 40 and up it would with other plans.

  7. Michelle Says:

    I just found this new website that gives me restaurant coupons, spa and entertainment coupons. They actaully send me $50 Gift Certificats for only $10. I thought it was too good to be true but now I use them every week. You just sign up for free and you start getting new deals everyday. Their web based coupons are at http://www.cheaplocaldeals.com and I promise you will love this site. Today I am getting a manicure and pedicure for only $3. yes!

  8. Kim Says:

    Thanks Michelle. It took them a week but they finally sent me a few awesome deals too. I am in Chicago and I could not find coupons but they send them each day now. I had to go to their sign up page at http://www.cheaplocaldeals.com/sign-up-today to get on their email list.

  9. Grover Redder Says:

    I hooked this up within the kitchen sink to keep away from a 30 foot run from the principle HWH. It took about 1 hour underneath the sink and one other 30 minutes installing one other power outlet. The heater works great. The 2.5 gallon provide is lots to handle dishes and hand washes. I disconnected the primary supply and haven’t missed it.

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