50 Proven Ways to Save Money Every Month (Even If You're Broke)

Saving money can seem like an impossible task, especially if you're on a tight budget or living paycheck to paycheck. But the good news is that there are plenty of practical and easy ways to save money—even if you're broke. In fact, even small changes in your daily habits can add up over time. If you're ready to take control of your finances and start saving, check out these 50 proven ways to save money every month!

1. Create a Budget

Start by knowing exactly where your money is going. Track your expenses and create a budget that prioritizes essentials and sets limits for non-essentials.

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2. Set Financial Goals

Set short- and long-term savings goals to stay motivated. Having a clear purpose will make saving feel more rewarding.

3. Automate Savings

Set up automatic transfers to a savings account every time you get paid. This way, you're saving without thinking about it.

4. Cut Subscriptions

Review your subscriptions (Netflix, gym, magazines, etc.) and cancel the ones you don’t really use.

5. Cook at Home

Eating out can drain your finances. Try cooking at home more often. Meal prepping can save time and money.

6. Pack Your Lunch

Bringing your lunch to work instead of buying it can save you hundreds of dollars each month.

7. Use Coupons

Before shopping, check for coupons or promo codes to save on your purchases. Websites like RetailMeNot and Honey can help you find deals.

8. Switch to Generic Brands

Generic products often cost less than name-brand items and are just as good in quality.

9. Cancel Unused Gym Memberships

If you're not using your gym membership, cancel it. You can always work out at home with free online resources.

10. Use Public Transportation

If possible, use public transport instead of driving. This can save you money on gas, parking, and car maintenance.

11. Shop for Sales

Wait for seasonal sales or clearance events to buy items you need. Sign up for email alerts from your favorite stores.

12. Negotiate Bills

Don’t be afraid to negotiate your bills (internet, cable, insurance). Many companies will offer discounts to keep you as a customer.

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13. Downgrade Your Phone Plan

Review your phone plan to ensure you're not paying for unnecessary features. Consider switching to a cheaper provider or prepaid plan.

14. Avoid Impulse Buying

Before making a purchase, ask yourself if it's something you really need or just something you want in the moment.

15. Use Cash Instead of Credit Cards

Using cash helps limit your spending. It's easier to track and more difficult to overspend when you have a physical budget.

16. Sell Unused Items

Go through your closet, garage, and home and sell items you no longer need. The extra cash can go straight into your savings.

17. Shop Secondhand

Look for gently used items at thrift stores or online marketplaces. You can save a lot of money on furniture, clothing, and electronics.

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18. Reduce Energy Consumption

Save money on utilities by turning off lights when not in use, unplugging electronics, and using energy-efficient appliances.

19. Use a Smart Thermostat

Install a programmable thermostat to regulate your heating and cooling. This can lower your monthly utility bills.

20. Switch to LED Bulbs

LED bulbs use less energy and last longer than traditional incandescent bulbs, saving you money in the long run.

21. Cancel Premium Memberships

If you’re paying for premium versions of apps or streaming services you rarely use, it’s time to cancel them.

22. Buy in Bulk

Buying non-perishable items in bulk can save you money over time, especially for things you use regularly like toilet paper or rice.

23. Share Subscriptions

You and a friend or family member can share the cost of subscriptions like Spotify or Netflix to save money.

24. Stop Smoking

If you smoke, quitting can save you a significant amount of money. Plus, it’s better for your health!

25. Cut Back on Alcohol

Drinking at bars or buying expensive alcohol adds up quickly. Cut back or drink less frequently to save money.

26. Use Cashback Apps

Sign up for cashback apps like Rakuten or Ibotta to earn rewards on your everyday purchases. I also have been using a known website from where i have been earning money since 2024. Its just filing surveys. The link is below:

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27. Refinance Loans

If you have loans (student, car, mortgage), see if refinancing can lower your interest rate and monthly payment.

28. Cancel Auto-Renewal Subscriptions

Check your accounts for auto-renewing subscriptions that you don’t need anymore and cancel them to avoid unwanted charges.

29. Set Up an Emergency Fund

Having an emergency fund can prevent you from dipping into savings when unexpected costs arise.

30. Limit Takeout Coffee

Instead of buying coffee every morning, brew your own at home. The savings will add up over time.

31. Get a Roommate

If you live alone, consider getting a roommate to split the rent and utilities.

32. Use Free Entertainment

Explore free or low-cost entertainment options, like local parks, hiking trails, or community events.

33. Shop Off-Season

Buy seasonal items off-season, like winter clothes in spring, to get the best deals.

34. Avoid Brand New

For items like cars and furniture, buying used or refurbished can save you thousands.

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35. Plan Vacations Off-Peak

Traveling during off-peak seasons can help you save on flights, accommodation, and attractions.

36. Cancel Your Landline

If you’re using a landline phone, cancel it and rely on your mobile phone.

37. Limit Online Shopping

Online shopping can be convenient, but it often leads to impulse buying. Try limiting your purchases and only buying what’s necessary.

38. Take Advantage of Student Discounts

If you're a student, many stores and services offer discounts. Always ask if a discount is available.

39. Use a Library

Instead of buying books, borrow them from your local library for free.

40. Do Your Own Repairs

Learn how to do basic home repairs instead of hiring someone to do it.

41. Review Your Insurance Policies

Check if you're overpaying for insurance. Consider raising your deductible or switching to a cheaper plan.

42. Skip the Coffee Shop

Instead of buying coffee at a cafe, make your own at home. The savings can be significant.

43. Plan Your Meals

Create a weekly meal plan to reduce food waste and save money on groceries.

44. Carpool

Share rides with friends or coworkers to reduce your transportation costs.

45. Take Advantage of Employee Benefits

If your job offers benefits like health insurance, gym memberships, or transportation subsidies, make sure you’re using them.

46. Practice Frugality

Learn how to be more frugal in your daily life, whether it’s buying in bulk, reusing items, or making your own cleaning supplies.

47. Use a Water Filter

Buy a water filter instead of bottled water. It's cheaper and better for the environment.

48. DIY Gifts

Instead of buying expensive gifts, try making them yourself. Homemade gifts are often more meaningful and budget-friendly.

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49. Learn to Negotiate

Don’t be afraid to negotiate prices on big purchases, whether it’s a car, a house, or even furniture.

50. Shop Around for Loans

Before committing to a loan, shop around for the best interest rates and terms to save money in the long run.
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