Cut Credit Card Interest Rates
Negotiating a lower interest rate on your credit card can be relatively easy.
Refinance Your Mortage â€” Save Money Every Month.
As a general rule of thumb, it's worth looking into refinancing if the going rate is 0.50 percent lower than your current mortgage if you plan to stay in your home
Combine Bills to Cut Costs
Keep your home and auto coverage with one insurer, and many companies, like Allstate and State Farm, will offer big discounts (up to 20 percent). By combining your insurance, you can cut annual bills.
Shop for Insurance
Spend a half hour online seeing how insurance rates vary for your current coverage (or the coverage you want).
Retailers have specific days when they put out new stock and mark down merchandise, so ask the next time you're in the store and then sync up your shopping with its schedule.
Sell Old Items, Make Money by selling secondhand.
Stock Up and Save
Stock up on sale items that have a long shelf life, such as toothpaste, toilet tissue, paper towels, deodorant, and most cleaning supplies.
Save on Electric Bills
Turn down the lights. Installing dimmer switches helps create an inviting atmosphere, and it makes financial sense: A regular bulb dimmed by 50 percent uses less energy, and extends its life.
Save at the Grocery Store
Try downloading online coupons onto your grocer's loyalty card.
Save on Food by Using Whole Grains
There's no better budget stretcher than cooking with whole grains. Pearl barley, brown rice, and bulgur are low in fat, high in protein, and tummy-filling. Combine with meat or veggies to make a little go a long, healthy way.
Set a Budget and Stick to It
Set yourself an indulgence budget, a percentage of your monthly take-home pay that's for dining out, movies, shopping, pricey lattes, or whatever else you want. It shouldn't be more than you are able to save each month, and once it's gone, it's gone. You have to wait for the next month to indulge yourself again.
Keep Track of Spending
You can use a notebook, keep receipts in an envelope, try software like Quicken, or check out an online budgeting tool. Whichever you choose, find a money-tracking method that lets you see your purchasing patterns with fresh eyes.