- Use Privacy.com when starting trials and make the allocated amount less than the cost of the subscription's first charge
- Use the Honey Chrome Extension to automatically find/test promo codes while you're shopping, as well as find the cheapest price for items on Amazon
- Use an app to keep a pulse on where your money is going such as Rocket Money
- If you have credit card debt try Tally or Upstart - obviously avoid getting credit card debt in the first place if at all possible
- Shop at Costco
- Fill up on gas at Costco
- Earn miles to use for flights
- Use credit cards that offer cashback like Double Cash from Citi and always pay them off in full immediately
- Find the best products based on well-researched reviews on WireCutter so you don't waste money on inferior and ultimately disappointing products
- Minimize subscriptions
- Get a bank account with a high-interest savings account
- Create an account on Credit Karma and track your credit score / keep it as high as possible
- Cut the cable and stream all your media
- Avoid going out for food whenever possible
- Use automatic transfers to auto-save your money without having to think about it
- Use Facebook Marketplace to buy used items you don't need to be new
- Fix whenever you can rather than replacing
- Use a toner printer instead of an ink printer
- Switch to LEDs
- Eat food before it expires
- Don't buy anything you put in your shopping cart immediately. Add it to your cart and then decide if you still want to buy it 24 hours later
- Promptly return products you're not satisfied with
- Sell stuff you don't need anymore
- Avoid going to the doctor, use services like MinuteClinic or Virtuwell instead for the more commonplace illnesses
- Use GIMP or Canva instead of Adobe Creative Cloud
- Hit your minimum visits / month at the gym to save on your membership through your health insurance provider
- Take advantage of loyalty rewards plans as much as possible
- Make sure you use all your gift card balances up
- Buy the low-storage Mac product options
- Don't bother upgrading your smartphone every year and buy new phones with cash
- Add products / media you want to buy to your wishlist and wait for a discount offer to act on the purchase
- Use coupons
- Use brand-specific credit cards that offer 5% off all purchases, just make sure to pay them off immediately (e.g. Amazon, Target, etc.)
- Pay in cash instead whenever you can to avoid unnecessary credit card fee surcharges
- When there are no additional fees for using a credit card for a recurring purchase vs a debit card, always use a credit card that offers cashback benefits like Double Cash from Citi and always pay them off in full immediately
- Always pay down loans with the highest interest rates first
- Enable notifications on your credit card apps whenever a purchase is made to monitor them real-time
- Use ChatGPT to help you navigate minor legal issues, only hire a lawyer if it's a critical scenario
- Always go in-network for healthcare whenever practical
- Use an HSA for all your medical bills when possible
- While not as practical as it used to be, spend in cash when you can instead of credit. Physically handing the cash to someone will make you comprehend how much you're actually spending significantly more so than signing a credit card charge receipt and you won't be creating more debt
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