Last week we talked about getting out of debt. Here’s the link, in case you missed it, click here.

It can be difficult, however, to pay off your debt and stay out of it if you don’t also make some changes to your spending habits and come up with additional ways to save or make some money.

To that end, I thought I’d share my Top 35 Money-Saving Tips by category:


  1. Meal plan
  2. Shop with a list
  3. Purchase generic brands
  4. Buy from the bulk bins
  5. Shop for essentials when they go on sale
  6. Use cashback apps like Ibotta and Ebates
  7. Pack your lunch
  8. Make coffee at home
  9. Stop buying bottled water
  10. Stop buying prepackaged snacks


  1. Turn off lights and unplug electronics that aren’t being used
  2. Replace light bulbs with energy efficient LEDs
  3. Lower your thermostat and water heater temps (keeping the heat around 68 and water around 120 will yield big savings)
  4. Use blackout curtains and keep them closed to save and keep things comfortable when temps are extreme
  5. Run only full loads of dishes and laundry
  6. Wash with cold water and/or use the quick wash cycle on your machines
  7. Air dry dishes and laundry
  8. Turn water off when brushing your teeth or washing your face
    Take shorter or less frequent showers
  9. DIY household products like cleaners, dryer sheets, air fresheners, etc. (cheaper and healthier for you too)


  1. Call service providers and negotiate your bills or use an app like Trim
  2. Look at phone and cable alternatives like Straight Talk and Sling
  3. Cancel memberships that aren’t being used or aren’t necessities (gym, clothing, etc.)
  4. Find hobbies and activities that don’t cost you anything
  5. Use discount sites like Groupon and Living Social
  6. Shop thrift stores
  7. Barter or co-op childcare, etc.
  8. Borrow books from the library
  9. Attend matinee movies
  10. Go out to breakfast or lunch and/or skip drinks, appetizers and desserts when eating out

Additional Tips:

  1. Set a budget and stick to it
  2. Track your expenses
  3. Institute a no-spend challenge (for a day, week, month)
  4. Simplify and sell some of your stuff
  5. Find an accountability partner

There are LOTS more out there, but these are some of my favourites. If you have a great tip to share feel free to pop it in the comments below.

And, as always, if you need help finding money to save or are curious about growing your wealth, I would love to chat via a FREE connection call.

You can also find me on Facebook, YouTube, and Instagram for more money management and wealth-building tips.

Sending you tons of light and love,

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