Home
Insulate your home and use fans and ventilation instead of AC.
Donate and have yard sales for the stuff that you don't use.
Use the library.
Take up hobbies that don't cost money.
Use open source software.
Quit smoking.
Have a drink at home before going to the bar.
Pack lunch and bring coffee to work.
Finance
Get rid of credit card debt.
Make certain you are with the cheapest energy provider in your area.
Review your cell phone bills.
Use an online savings account that pays better interest.
Invest your money.
Watch for fees.
Shopping
Clip coupons at various websites and use them.
Buy in bulk and get rewards cards at the supermarket.
If you feel the urge to buy something, wait a few days and see if you still want it.
At the grocery store look down, items below eye level are often cheaper.
Make a grocery list and stick to it.
Ask for a discount on large purchases like a refrigerator or washing machine.
Instead of buying things new, get them used.
Buy a quality used car instead of new.
On Holidays
Don't buy currency at the airport.
Use comparison websites and pre-book car hire.
Don't spend on debit cards abroad, most cards add commission to exchange rates.
Ask friends to text, not phone.
When in a group, try to get a bargain on everything and ask if you can get a discount.

Money Saving Checklist

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