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Over 200 Ways to Save Money on Just About Everything

Over 200 Ways to Save Money on Just About Everything

Saving money is great. Saving lots of money is even better. Knowing how to save lots of money can be a challenge.

Thankfully, you’ve stumbled upon this post, which lists over 200 hundred ways to save money on just about everything. I hope you find it helpful.


  1. Install a programmable thermostat.
  2. Insulate your attic.
  3. Turn off the lights in rooms you are no longer using.
  4. Don’t turn on the heat/air conditioning until you just can’t take it anymore.
  5. Don’t leave the water running while brushing your teeth or washing dishes.
  6. Take quick showers.
  7. Install low-flow toilets.
  8. Use white curtains/blinds to reflect heat away from your home in the summer.
  9. Use a dehumidifier to reduce moisture in your home and make it feel cooler.
  10. Install an energy-efficient dishwasher.
  11. Clean out the lint trap in your dryer.
  12. Install an energy-efficient washer and dryer.
  13. Install CFL light bulbs.
  14. Use ceiling fans, floor fans and space heaters.
  15. Turn the oven off during the last few minutes of cooking. There’s still enough heat in there to keep stuff cooking.
  16. Cook in batches. Only use the oven once per day or less.
  17. Use your dishwasher, washing machine and dryer at non-peak hours.
  18. Use cold water when you run the washing machine.
  19. Use a toaster oven for baking small meals.
  20. Install a low-flow showerhead.
  21. Line-dry your clothing.
  22. Use a slow cooker.
  23. Unplug appliances that are not in use.
  24. Insulate hot water heater/pipes.
  25. During the winter months, leave your oven door open when you are done using it to help heat your house. Don’t do this if you have small children around.
  26. Fill empty spots in your fridge and freezer with jugs of water. This saves on operating costs.
  27. Clean refrigerator coils a few times per year.
  28. Use power strips.
  29. Caulk around doors, windows and baseboards.
  30. Install weather stripping.
  31. Install storm windows and doors.
  32. Only run full loads (laundry machine, dishwasher).
  33. Close the vents in rooms you are not using.
  34. Open your windows for fresh air.
  35. Air-dry your dishes.
  36. If you must use sprinklers for your lawn, use timers.
  37. Wear clothing twice before washing, unless they are very dirty.
  38. Wash hoodies/sweatshirts a few times per month, unless they are very dirty.


  1. Use coupons.
  2. Make your own cleaning products.
  3. Shop once a week and with a list.
  4. Stock up when things go on sale.
  5. Save your receipts. Watch store sales a week or two after you shop and get a price adjustment when able.
  6. Carry a small calculator in your bag.
  7. If you purchase a product that is defective in some way, contact the manufacturer. They will likely send coupons, sometimes for a FREE product. (Please don’t abuse this.)
  8. Send away for mail-n rebates.
  9. Use cloth napkins.
  10. Cut dryer sheets in half.
  11. Make your own jam.
  12. Use hair conditioner as shaving cream.
  13. Add water to your hand soap, shampoo, conditioner, dish soap to make it last longer.
  14. Clean windows with newspaper instead of paper towels.
  15. Make double of a few of your favourite meals, then freeze half for the nights you don’t have the energy to cook.
  16. Cut dish detergent tabs in half.
  17. Understand price matching and scanning code of practice.
  18. Quit using fabric softener all together, you don’t need it.
  19. Use plastic containers instead of plastic bags for storing leftovers.
  20. While shopping, look at the top and bottom shelves. This is usually where clearance items end up.
  21. You can also find clearance items on the very ends of aisles, farthest away from the flow of traffic (also known as endcaps).
  22. When it comes to buying dairy, meat and produce, pick the items at the back. Older items are moved to the front, and the items in the back are often fresher.
  23. Ask for a rain check if a store is out of an advertised special.
  24. Chop, slice and shred foods yourself.
  25. Bring your lunch to work.
  26. Eat at home.
  27. Make your own pizza.
  28. Don’t buy bottled water (use a filter).
  29. Stop wasting fruit. When your fruit is ripe, if you know you won’t be able to eat it all before it goes bad, pop it in the freezer and use it later in fruit drinks and smoothies.
  30. Use powdered milk for cooking.
  31. Use a dish towel instead of paper towels.
  32. Use half of the recommended laundry detergent.
  33. Bring your own reusable bags to the grocery store to avoid paying for plastic ones.
  34. Buy produce in season.
  35. Make your own bread.
  36. Cook from scratch.
  37. Make your own coffee.
  38. Shop at local farmers’ markets.
  39. Buy store brands.
  40. Plan meals according to what is on sale.
  41. Eat less meat.
  42. Make your own baby food.
  43. Grow your own produce and herbs.
  44. Make your own chicken broth.


  1. Carpool.
  2. Walk whenever possible.
  3. Use public transportation.
  4. Get your oil changed every 4 months instead of 3 (if you don’t drive often).
  5. Combine errands.
  6. Wash your own car.
  7. Fill your vehicles’ tires with air.
  8. Pay a higher deductible on your insurance.
  9. Remove anything unnecessary from the trunk. The more weight that’s in your trunk, the more fuel you are using.
  10. Buy a fuel-efficient car.
  11. Keep up with routine car maintenance.
  12. Use your air conditioner on the highway and roll down the windows on the main roads.
  13. Use cruise control.
  14. Replace dirty air filters in your vehicles.
  15. Don’t warm up your car by letting it idle.
  16. Park in the shade.
  17. Do not accelerate or drive fast.
  18. Buy a used vehicle instead of new.
  19. Pay for gas at the pump, to avoid temptations in the store.


  1. Borrow books, movies, and CDs from the library.
  2. Read your favourite magazines online instead of buying the actual copy.
  3. Use a service like Netflix to watch movies.
  4. Eat out less.
  5. Go to restaurants that offer a free meal on your birthday.
  6. Play board games.
  7. Use an Entertainment Book.
  8. Go out for lunch instead of dinner.
  9. Go out for dessert instead of dinner.
  10. After eating at a restaurant, bring home leftovers to have for lunch the next day.
  11. Watch movies at home instead of the theatre.
  12. Eat out at “kids eat free” restaurants.
  13. Have a few drinks at home before going out.
  14. Go to a bar/club that doesn’t have a cover charge.
  15. When you have people over for dinner or lunch, make it a potluck.


  1. Instead of shopping for maternity clothing, consider buying regular clothing in a size or two larger than you usually purchase.
  2. Shop at thrift stores.
  3. Don’t put bras or underwear in the dryer. The heat breaks down the elastic and wears them out that much faster.
  4. Avoid ‘dry clean only’ clothing.
  5. Stay away from trends. Their life is usually very short. Stick to basic lines that will look good forever.
  6. Remove stains as quickly as possible.
  7. Shop out of season for the best deals.
  8. Check the clearance racks at stores.
  9. Never pay full price for clothing, there are always sales.

Babies, Kids & Pregnancy

  1. Cut pantiliners in half to serve as breast pads. They are just as absorbent but cost much less.
  2. Don’t buy breast milk storage bags. Just pour the breast milk into ice cube trays. Once frozen, pop them out and store them in freezer bags.
  3. Don’t use lanolin creams for cracked/dry nipples. Just rub some breast milk on the nipple and let it air dry for about 10 minutes.
  4. Using formula? Join formula manufacturers’ mailing lists to receive coupons and free samples.
  5. Purchase store brand formula instead of name brand.
  6. Don’t buy burp pads. Just use a dish towel or small swaddling blanket.
  7. Wash and reuse swim diapers for small children (unless they have been peed or pooped in). Just don’t put them in the dryer. Air dry only.
  8. Instead of using teething rings for baby, use a wet washcloth. The cool water feels good on their gums.
  9. If you plan on having more children, buy high chairs, strollers, car seats, etc. in neutral colours. The same goes for certain types of clothing such as shoes and jackets.
  10. Diaper bags can be expensive. Use a backpack or a large tote bag instead.
  11. Instead of buying a traditional high chair, consider buying a booster seat that straps to a dining room chair.
  12. Instead of purchasing a changing table, consider using a dresser with a thick, portable change pad on top.
  13. Don’t use character backpacks and lunch boxes that you will just have to replace when the next new character favourite comes along.
  14. Take advantage of all the free clubs, teams, and activities that are offered through your public schools.
  15. Use cloth diapers.
  16. Breastfeed.
  17. Use a garbage can instead of a Diaper Genie.


  1. Reuse the rubber bands and plastic bags that newspapers/flyers are delivered in.
  2. Reuse tissue paper and wrapping paper.
  3. Reuse scrap paper for lists and little notes.
  4. Use rechargeable batteries.
  5. Reuse baby wipe containers and facial tissue boxes for storing plastic bags.
  6. Use plastic grocery bags for garbage, soiled diapers, cat litter.
  7. Make curtains out of bedsheets.
  8. Make a rain barrel to collect water for your garden.


  1. Learn how to sew.
  2. Visit scratch & dent warehouses for appliances.
  3. Send invitations to events via email to save on postage.
  4. Buy holiday items the day after the holiday. Stock up for next year.
  5. Buy store brand/generic medications, they are just as effective.
  6. Keep your receipts organized. If an item falls apart or is in rough shape when you open the packaging, you can return it to the store a lot easier if you have a receipt.
  7. Negotiate all large purchases.
  8. Sign up for rewards programs.
  9. Shop around (car insurance, cable companies).
  10. Switch to a no-fee bank.
  11. Pay your bills on time to avoid late fees.
  12. Borrow from friends and family.
  13. Shop at the dollar store.
  14. Have a monthly budget.
  15. Cut your own/family’s hair.
  16. Don’t sign up for a gym membership.
  17. Shop for holiday and birthday gifts year-round.
  18. Sell stuff on eBay, craigslist or Kijiji.
  19. Have a yard sale.
  20. Quit smoking.
  21. Use up a flexible spending account (FSA) money.
  22. Pass on extended warranties.
  23. Check over all bills for mistakes.
  24. Pay yourself first.
  25. Get out & stay out of debt.
  26. Use Swagbucks.
  27. Learn how to negotiate.
  28. Use Freecycle.
  29. Stop buying cookbooks. There are many FREE recipes online.
  30. Don’t use bank machines that are not part of your bank’s system.
  31. Shop at factory outlet stores.
  32. Give the gift of time. Car washing, babysitting, cut the grass.
  33. Keep a cooler with snacks & drinks in the car if you will be out for a while.
  34. Instead of hiring a company to clean your carpets, rent a machine and do it yourself.
  35. Sign up for freebies.
  36. Look for free stuff at the side of the road.
  37. Save all of your change.
  38. Pay bills online to save on stamps.
  39. Use a digital camera instead of film, and only print the really good photos.
  40. When you stay at hotels, take home the little toiletries.
  41. Call your credit card company and ask them to lower your interest rate.
  42. Learn to say no.
  43. Maintain the minimum balance in your bank account to waive monthly fees.
  44. Don’t gamble.


  1. Don’t own a pet.
  2. Bathe your own pets.
  3. Buy flea protection online instead of from the vet.
  4. Make your own pet toothpaste.

Home, Phone, Cable & Internet

  1. Refinance your mortgage.
  2. Get rid of your house phone if you have a cellphone.
  3. Cut out the cable, or just get basic cable.
  4. Buy/rent a smaller home.
  5. Cut unnecessary services like caller ID and call waiting.
  6. Get a roommate.
  7. Call cable/phone/internet company twice per year to see if there are any special promotions available.
  8. Bundle cable/phone/internet, if possible.
  9. Buy home and auto insurance from the same company.

Do you have any money-saving tips to add? Please share in the comments!


  1. Nancy

    Do you belong to a no-fee bank? Where is that? I’m with the Credit Union that I work for, and I’m on the Senior Citizen’s account (shared with my Dad lol) so I don’t pay anything… but if either of those situations changes I’m screwed.

    Loved the list! I actually laughed at the breast milk/panty liner trick! haha

    I found a free Cineplex movie pass on the ground after my run today, that was pretty wicked. It doesn’t expire til 2012.

  2. Cassie Howard

    whoa! nice score with the movie ticket!

    and no, i dont use a no fee bank. i love TD too much. 😛 a great no-fee bank is PC financial, though.

  3. Ashley

    These are some great tips, thank you!

  4. nikki

    Great list. Some very good ideas. I could add though for the price of a pack of swim diapers (or less even) you could get a reusable swim diaper that will last you a super long time 😉
    Great idea for nursing pads lol. I can’t believe I’ve never thought of that after nursing for so long!

  5. Lisa

    I never thought about the Pantyliner trick either. I bought reusable breast pads instead. Just throw them in the wash when your done with them… I managed to get a ton of them free from Welcome Wagons and my sister who was pregnant at the same time and thought that washing them was a waste of time and she would rather use the 1 time use ones…

  6. Elle

    Thrift store shopping is a must for my family. I recently found a Tough Traveler backpack carrier for my son complete with rain/sun cover for $4.74 at the Value Village! That saved us 312.16! Even our wedding budget has been over halved by diy projects and awesome finds around town (so now it is about 3000).

  7. Sheena

    Instead of installing a low flow toilet you can just add a bag of rocks to the tank

  8. Julie

    Nancy, I recommend PC Financial. I’ve had an account with them for over 12 years.

  9. Christa

    184. Instead of hiring a company to clean your carpets, rent a machine and do it yourself.
    Better yet don’t have carpets 🙂

    Found a place last year that sold hotel quality towels by the dozen (cheap) So with ribbon I picked up at dollar store, used towel to wrap Christmas presents

  10. teachermum

    Our credit union accounts are no-fee. Well, there is a .50 fee each debit card use and .50 to pay a bill online, but I never use my debit card anywhere now that Food Basics and No Frills take credit cards (use PC mastercard for absolutely everything and pay it off every month) and I only pay my credit card bills online (usually just PC, sometimes Shoppers and occasionally Visa) as it’s cheaper than a stamp to mail! Most every bill we have is set up for automatic withdrawal which is free (as cheques are free to write).

    You can buy some monthly packages, lowest used to be $6.50, but we have no need. We switched after being disgusted with TD 20 years ago!!! We wanted to open another account and they wanted over $17/month then-and would have changed our original one that was $7.50 to the same! That was the end of that! I detest bank fees!

  11. Janelle

    Another freezer tip that I have discovered is freezing meals in silicon containers. Once frozen, the food easily pops out and can be put into bags. It saves on containers, and is great for giving away (small / single serving – in large silicon muffin tins or larger – silicon loaf or cake pans). By not using plastic, the meal can be heated in the microwave or oven and most meals look great to give away.

  12. Sameera

    Wipes: Use water to clean as much as you can or if you have to use wipes then tear it in half. There are many times when half will be sufficient.

    Reuse Diaper boxes or printer paper boxes…. they are strong enough for storing heavy items.

    and I loved # 195 Don’t own a pet.

  13. tiffany

    i love this!

  14. catherine

    Would never get rid of my 3 dogs to save money!!!

  15. Valerie Macdonald

    Thanks for some great tips! When I get to the end of my lipstick, I get a makeup brush. There’s a lot of lipstick left in the bottom and I’m sure to use it all.

  16. Linda had a little Lamb

    Thanks for so many tips. I do some of them already, but man, there are so many more that I can do. Thanks again. I like saving money.

  17. Darlene MacDonald

    Join a Facebook “swap” site. So many available for buying and selling, plus pay it forward groups where you can acquire needed items completely free!

  18. Amy

    Hmmm, I think you missed one. Much like #195, under Babies, Kids & Pregnancy you forgot “Don’t have kids”. It’s saved me a small fortune! 😉

    • bren

      Agreed! If you said don’t have pets, you have to say don’t have kids!! 🙂

  19. Carolyn

    My pet is free entertainment for my kid it’s worth the price lol

  20. Shirley

    #47 – cut dryer sheets in half.

    For this one, I have one step further that will really stretch this item. I started cutting them in half many years ago. I soon learned that I could use each piece repeatedly for many, many such as 30-40, yes 30-40 times. Just because it gets flimsy floppy and/or you can’t smell a strong perfume from it, doesn’t mean it doesn’t take the static out. So then I tried one step further. I then kept saving all of these as I knew they would come in handy for something. Just kept putting htem in a box. Then I got a safety pin and started pinning them together in one corner as I’d use them. Believe it or not, I have had ONE box for well over 15 years this way. Granted it puts the dryer sheet out of business, but it sure saves a bundle of money in my pocket all these years, and my clothes are just as static free as though I used a new one each time. And for nice smelling clothes, well the detergent fills that area.

  21. Lyn

    •Unplug appliances when not in use. Like the toaster oven and coffee pot.
    • Apply for things like WIC when you’re pregnant, you might meet the criteria for a little help with formula.
    • Try using a bartering system to get things for your family. If you know a friend who cuts hair and you now lawns, offer to mow their lawn for free haircuts for your family.
    • Use Pinterest to find recipes for homemade products or anything from laundry detergent to tooth whitening pastes. It’s cheaper and better for you.

    • Cassie Howard

      Awesome tips, Lyn! Thanks for sharing. 🙂

  22. Donna

    Cutting dryer sheets in half! Been doing this awhile! and then take the used one and place them in your sticky pots wtih water for half an hour and voila! It gooss or softens up and wipes off! Trick two.. use the dryer sheets to wipe down mirrors in the bathroom! No streaks and no fogging after the shower!

  23. Donna

    Cut SOS Pads in at least half! It not only works it gives you double the bang for the box! some cut into 3 or 4 – I prefer just in half. Tip-use cheap scissors to do this (they claim it sharpens the scissors but personally I feel it dulls them!)

  24. Donna

    Cut Majic Erasers into 3! again it triples up the bang for the buck. Some cut into 4 or 6 pieces but my personal preference is 3 or 4. There also many uses for these you can find by googling uses for majic erasers

  25. Andy

    For groceries, I buy everything on sale to save money which is the easiest to do but requires some creativity in turning them into edible dishes 🙂

  26. The Duke of Damage

    Great list. Here are a few more:

    1. Price compare
    2. Buy second-hand
    3. Buy in bulk/wholesale
    4. Buy generic/aftermarket products
    5. Import, and buy direct from suppliers
    6. Buy factory seconds, open-box items, and demo/display units
    7. Buy re-furbished, re-certified, repossessed, or re-manufactured
    8. To save on shipping, procure in-situ, or from a proximal site
    9. Use electronic apps/tools to check/monitor prices, receive notifications, et al.
    10. Use low-cost, high-benefit credit cards and other financial tools

  27. Drew

    LED light bulbs and fixtures can save a bundle on electricity. And so can battery-powered devices (instead of plug-in ones).

  28. Paul

    With the advent of VOIP, and the popularity of mobile phones, home-phone rates have decreased significantly. My mother pays less for her home-phone services (including VOIP modem, caller ID, call waiting, voice mail, and unlimited North American long-distance mins.) than I do for “data-less” mobile services.

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