How much money would you like to have saved for the holidays? Or your next vacation? Or your emergency fund?
Whatever your goal, the number probably seems overwhelming.
Trying to figure out where several hundred or a few thousand dollars might come from is tough. Instead, break it down. Find ways to set aside just a little bit at a time — you’ll be surprised how quickly you can move toward your goal!
To help you get started with that first step, we’ve put together 21 easy things you can do to help save money this year!
1. Get Up to $4,264/year Off Your Mortgage
If you’re a homeowner and you want to save yourself thousands of dollars this year, there’s a program that you might be able to take advantage of called HARP. The Home Affordable Refinance Plan (HARP) could help hundreds of thousands of Americans reduce their monthly payments by as much as $3,500 in their first year. The program was set to expire in 2017 but has been extended to 2018 for the time being. In order to qualify for HARP you’ll need good or excellent credit, so if you don’t have a very good credit rating then this probably isn’t for you. To check if you qualify visit HARP Approvals, and fill out the short quiz (take 2 minutes). If lowering your payments, paying off your mortgage faster, and having an extra $290 a month in HARP savings would help you, then this could be the easiest money savings tip you take.
2. Breakthrough in Electric Car Technology Powers An Entire Home
Here’s a tip to save money that the majority of people won’t ever hear about. A 56 year old geography teacher in Memphis, Tennessee named Mark Edwards has discovered something that could change the way we power our homes. He’s now released a video on the Internet which claims that anyone in the world can use a new device to power their entire home free of charge. You can watch the video for yourself by clicking here.
3. Never Pay For Home Repairs Again
Many homeowners don’t have the extra cash to shell out for repairs when something in the house breaks. You most likely have homeowners insurance right? But what about if your washing machine of 10 years breaks down? Or your dryer just stops working one day? Homeowner insurance won’t cover those repairs. That’s why getting setup with a Home Warranty Program can actually end up saving you a lot of money in the long run. It will cover any unexpected repairs to your appliances, plumbing, water heaters, heating and other electrical systems. They also will replace anything that they can’t fix. Make sure you shop around for rates on a home warranty program – this website will give you quotes that you can then choose from. A home warranty program should be a minor cost that can end up saving you major money.
4. Get a Lower Auto Insurance Rate – Pay Less Than $50/Month
Would you like to pay less than $50 per month for your car insurance? Car insurance is mandatory for every driver, but that does not mean you have to pay an excessive premium. If you have no accidents or violations in the past two years, you can probably get a much lower rate than you currently pay and join the 5% of Americans who figured out how to pay less than $50 a month! In the past, you’d have to shop around and call several companies to compare rates. Today, you can use a website tool that shows you comparable rates from top companies, letting you make the clear choice. See how low you can get your rate and tell your friends!
5. Claim This Free 72-Hour Survival Food Kit
This special promotion is currently available to Americans on a first come first serve basis. With floods, tornadoes, and other natural disasters on the rise, Food4Patriots decided that they wanted as many Americans as possible to have access to their survival food kits. That’s why they currently have a special promotion for American citizens to get a free 72 hour survival food kit (just pay the S&H fee).
They also combine their top-quality ingredients using prize-winning recipes so that they’re loaded with flavor. Many of their recipes have won independent taste tests. We recommend giving them a try and taking advantage of this special offer.
6. Save Money on a New Roof
Paying for a new roof can be an expensive inconvenience for homeowners, but it’s something that can cost three to five times more money in years to come. If your roof becomes damaged by leaks or poor insulation, it’s necessary to have it repaired or replaced. If you think your roof might be damaged, visit this website to get quotes from trusted roofing experts in your area.
7. Pest Defender: Rid Your Home Of Bugs And Mice (Chemical Free, Don’t Pay Exterminators)
We decided to throw in a product that we’ve seen many homeowners purchasing for the winter months. Mice, rats, bugs, and other pests seek shelter and warmth during the cold winter months and who wants to deal with all that? Plus there’s the cost of paying an exterminator (on average it costs $300+). That’s why we’re telling people about this genius gadget called the Pest Defender. The Pest Defender device emits ultrasonic waves that are silent to humans and pets, but make your home unbearable to insects and vermin. Plug this device into your wall socket and you’ll be rid of bugs and mice forever.
Pest Defender is the simple, chemical-free, easy-to-use, and cost effective solution if you have mice or bugs in your home. It’s also a great way to prevent those nasty rodents and bugs from ever stepping foot in your house in the first place. This one time purchase might end up saving you thousands in exterminator fees.
8. Never Pay For Cable Again? This Device Allows You To Watch Your Favorite Channels For Free
Millions of Americans are completely cutting the cord on their monthly cable costs, allowing them to save $100+ per month in unnecessary fees. Stop wasting your hard-earned money on ridiculous subscription fees. You can enjoy your favorite TV channels and shows (such as ABC, CBS, Fox, NBC, PBS and more) for free! How? It’s very easy. All you need is a powerful indoor TV antenna – SkyLink HD Antenna. It’s suitable for any TV and there are no installation fees, satellite dishes or monthly subscriptions. The best part – it’s absolutely legal. Once you’ll get the TV antenna, it will take you less than 10 seconds to set it up. That’s right. 10 seconds and you can start watching all your favorite shows FOR FREE!
9. Save Money on New Windows
Many people opt to replace old drafty windows at home with new energy-efficient ones. Replacing old windows can also lower your utility bill by 40% per month and increase your home’s curb appeal. You may also qualify to save $100s in seasonal discounts from manufacturers like Pella, Champion, and Andersen. Make sure you find the best price you can get by visiting Modernize Windows to compare pricing from local professionals.
10. Consolidate All Your Existing Debt Into One Simple Payment
Debt consolidation is the process of combining all your unsecured debts into a single monthly payment. Generally this allows for much lower payments on a monthly basis than the sum total of the separate debts – making life a lot more manageable. The likelihood in these circumstances of reducing interest rates is very high, and there are many firms out there who will walk you through the process making it simple and painless. If you have more than $10,000 in debt, then this is something you should do right away. You can get the best quote to consolidate all your unsecured debt by clicking the link below.
11. Child Proof Your Outlets – Even If You Don’t Have Kids
My first home which was built in 1999 had this next problem. The inside outlets located on the exterior walls were like mini vacuums when it came to transferring air from the inside to the outside.
If you have an older home or a poorly constructed home you’ve probably got the same problem.
Electrical outlet boxes typically don’t have any insulation behind them, creating what is basically a hole in your wall. On a windy day take some incense or a match and put it in front of an outlet (one without a plug in it of course) and see if you can see air movement. In my situation I noticed this during the winter when I felt a cold breeze coming through the outlets.
The simple solution? Install socket sealers to improve energy efficiency. All you have to do is remove your outlet cover with a screwdriver, put on the outlet sealer, and put the cover back on. Easy!
The second step is to put in those plastic child-proof outlet plugs.
12. Get Paid To Take Online Surveys – Make More Money Every Week
What if you could get paid a little bit of extra pocket money just for taking a few online surveys? Would you do it? There are several new websites that allow you to do just that. You provide them with a bit of information about yourself and they’ll match you up with to surveys that you can complete for big brands. You then earn rewards and virtual points that you can redeem for Paypal or e-Giftcards. You won’t make a ton of money doing this, but it could help pay for a few things every month and it’s easy to do.Lunch breaks, bus rides, and nights are opportunities to take surveys and earn spending money or build your stash of savings.
13. Install A Home Alarm System
Did you know that homes without security systems are 2.5 times more likely to be targeted by burglars and intruders? But installing a home alarm system isn’t just to stop burglars and intruders, it can also save you big money year after year. A house alarm will save you money on your homeowners insurance policy (which is generally mandatory if you own a home). In fact, on average installing a home alarm system will give homeowners a 10-20% discount on their insurance by having a high functioning home alarm system installed. The good news is that these home alarm companies are pretty desperate for customers at the moment so you can get a good deal. For instance, one of the best alarm system companies – ADT is currently offering over $800 in savings if you just pay the installation fee. That means you basically get a free alarm system for over a year, just by paying a $99 fee.
14. HeatBuddy – Heat A Room In Minutes (And Save $100’s)
Days are getting shorter, the weather is getting colder. Heat up an entire room in < 20 minutes. After a long and hot summer, you need to be ready for a cold winter. Don’t be caught in the middle of a snowstorm, bundled up with 3 layers of clothing wishing you had your own HeatBuddy. Portable and with adjustable settings, HeatBuddy helps you and your family make life easier one room at a time! This is a no brainer when it comes to saving money on your heating costs this winter… rather than leaving your heating on all day and all night, use the HeatBuddy to heat up your rooms fast and efficiently. Overall this could end up saving you a lot of money in the winter.
15. Save on Life Insurance
Unfortunately, as our age increases so do our premiums for life insurance. In fact, typically the premium amount rises 8-10% for every year of age. For senior citizens, rising life insurance policy costs can add up significantly. Many senior citizens also have a hard time qualifying for a new policy once they reach a certain age. The best way to get the cheapest life insurance policy possible is to compare quotes from multiple carriers in much the same way you would do with car insurance, or cell phone plans. Luckily, there’s a new website called LifeInsurance.net that will automatically use your information to find you the best life insurance policy for your needs at much lower prices.
16. Get Money Back Instantly For Stuff You’ve Already Bought
Do you love getting refunds? How cool would it be to get money back on stuff you’ve already bought without having to do a thing? Paribus is an app that lets you find out if stores you’ve shopped at online owe you a refund. It’s free to sign up. Paribus connects to your email account and checks your receipts. If they find out a retailer has dropped their price they file a price adjustment claim for you automatically. Try out Paribus.
Paribus works with a huge number of merchants that you probably already shop at, including Walmart, Amazon, Costco, Best Buy, Target, Apple, Kohl’s, and more!
17. FIXD – Genius Device Saves Thousands of Dollars On Unnecessary Car Repairs
Have you ever gone to an auto repair shop for an oil change, only to have the mechanic say you need a new transmission? Or has the mysterious “check engine” light come on, and next thing you know the mechanic has a list of expensive engine parts that need replacing? Unfortunately, many mechanics know taking advantage of people is easy given their lack of knowledge about car maintenance needs.
But there’s a new device you simply plug into your car that tells you exactly what’s wrong with it. If you own a car built after 1996 then you can use this brilliant new device called FIXD to instantly diagnose any car problems. This means the next time your “Check Engine Light” happens to come on, you’ll know exactly what the issue is and the mechanics won’t be able to lie to you!
All you have to do is plug FIXD into your onboard diagnostics port (which is usually located under the dash below the steering wheel) and then download the free FIXD app on your smartphone (Apple or Android). The app will let you know if there are any specific issues with your car in plain and easy to understand language. Not only that, but it will also provide you with an estimate of the cost to fix any issues and will let you know what the consequences are if you continue to drive with the problem. You also have the ability to reset your check engine light in the app with the click of a button.
Click Here For Our Full FIXD Review And To Check For A Special Promotion.
18. Butcher Box – End Factory Farming And Pay 37% Less For Grass Fed Meats
Here’s an interesting way you can save money and do your part to also end factory farming forever (by voting with your wallet). You’ve probably seen the videos of factory farms and if you felt anything like me watching them then you knew you needed to make a change. Have you ever had grass fed beef or heritage breed pork?
Although we are pretty big carnivores in my house, I’d always assumed that buying high quality grass fed meat would be too expensive. But I changed my mind after I took a look at the meat delivery service called Butcher Box. Their prices are reasonable and are actually 37% cheaper than buying organic meats in the supermarket. Our box arrived well packed and protected. The meat was vacuum sealed and hard as a rock with 11 pounds of dry ice to keep everything frozen. Butcher Box is a subscription service that delivers amazing, humanely raised grass-fed beef, heritage breed pork and organic pastured chicken right to your doorstep. You can also get other meat-lovers’ delights like steaks, bacon and breakfast sausage. They are currently offering free heritage bacon with every order!
19. Xtra PC: Don’t Buy A New Computer… Use This To Bring Your Old Computer Back To Life
Before you think about going out and buying a brand new $1500+ computer, try doing this first…When you first purchase a new computer, you’re probably very excited with how fast everything loads up. But after a few months of using it you start noticing that it’s getting slower and slower. Then you end up like most people with a super slow computer that drives you crazy with issues. It’s incredibly frustrating when computers slow down or stop working for seemingly no reason at all. And even after all the diagnostics, upgrades, and money spent, the amount of time waiting for that spinning wheel or hourglass to disappear never seems to get any shorter. Your once new, lightning-fast, computer just keeps getting slower as each day passes.
That’s where this new gadget called Xtra PC can help. It works with any computer (Mac or Windows) made after 2004 and is definitely the fastest. easiest and cheapest solution to getting yourself a new computer without spending a large amount of money. It’s so easy that all you have to do is plug in Xtra PC and you’re good to go. Once booted, Xtra-PC bypasses the old slow operating system and turns your computer into a blazing fast high-performance computer again. It even keeps all of your existing files intact.
A brand new computer on a memory stick!
Visit the Xtra-PC homepage to learn more and see available special promotions.
20. Upgrade Your HVAC System And Save On Money and Energy
Old heating, ventilation and air systems suck energy and finances and after several years just don’t get the job done like they used to… The goal of a good HVAC system is to provide thermal comfort and good, healthy indoor air quality. There are literally hundreds of companies out there clamoring for your business and you can get quotes from up to four pre-screened, licensed, & insured contractors.
21. Save on Medical Costs
Healthcare is an essential part of life, and the costs of doctors and the right treatments add up more and more as we age. Most people need to take some type of medication at some point in their life, so it’s only right that you should be getting the most out of your medical insurance.
By working with the best insurance company for your needs you can be sure to have the best coverage for the cheapest prices.
Some insurers will send out a discount card that you can show when paying for prescriptions. Just remember to check with your local pharmacy to see what discounts are available to you, because discounts might change depending on location.
Many people may be able to get extra benefits and don’t even know they’re available. You can also check if you are eligible to get vision, dental, hearing or prescription drug coverage included in your plan.
Bonus #1: Special Program Pays Homeowners Up To $100,000 (You Must Qualify)
This amazing program can help qualified homeowners pay for home improvements and renovations, but the banks have been keeping this quiet!
When homeowners visit the 100k Survey website they may be surprised to find out that they qualify for a cash-out payment that could help make home improvements, take a vacation, pay off debts, and more.
This brilliant program can provide up to $100,000 to qualified homeowners (if you qualify). Most homeowners use this cash for home remodeling and repairs but you can use it however you want.).
As far as we are aware, deadlines for these programs haven’t yet been announced, but if transforming your home, paying off debts, or even just taking the cash for a vacation or new car would help you, it’s smart to act now.
Remember, these are free programs and there is absolutely NO COST to see if you are eligible. Click here to check if you qualify and find out how much you can claim. It’s an easy way to put cash back in your pocket!
