Skip to Content

20 Genius Money Hacks To Save Money Every Month

20 Genius Money Hacks To Save Money Every Month

Share This Post!

How To Save Money Each MonthIf you are looking to save money this month or looking for hacks that can help add money to your savings or emergency fund this post is for you. 

The great thing about money-saving hacks is that the hacks can help any individual save more money in a fun way. Since paying down our last credit card my husband and I have used some clever hacks to help us stay on budget and to actually make more money to put toward the debt. This post will share some money-saving hacks that can help you save more money and make more money this month. 


1. Use Cashback Programs

One of the best ways to save money and get cash-back is by signing up and using cash-back apps such as Fetch Rewards, Ibotta, and Rakuten .

Fetch Rewards: This app is my favorite. Every time I go to the store I scan my receipt after I check out to earn cash-back. So far I have earned over $300 with this app since joining. Check here to check out Fetch Rewards and start earning back on your groceries. 

Ibotta: Ibotta is a free mobile coupon app that lets shoppers earn money back on select products by performing easy tasks and purchasing products that you normally would. After you purchase the products you just have to submit your receipt from your purchases to earn cash-back on selected items.

I really love Ibotta because anyone can earn money back from items that they already buy at grocery stores such as Jewels, Walmart, and Target.

Rakuten: With Rakuten, if you shop online this app is a must-have. When you shop online through Rakuten you can earn cash-back from the items you purchase at your favorite stores such as Macy’s, Target, and JcPenny’s. Currently, if you sign up for Rakuten you will get $10 just for signing up.

2. Use Trim

How To Save Money With Trim

Trim is a financial management service that enables you to achieve your financial goals through personalized recommendations and savings opportunities. This app makes it super easy to save money in places that you might not have thought about before.

Trim comes with top-notch security and has 256-bit SSL encryption, two-factor authentication, and read-only access.

Trim also analyzes your accounts to find recurring subscriptions and determine where you can save more money.

I love this app because it will cancel unwanted subscriptions and negotiates with companies such as Comcast, Time Warner, Charter, and more to find the best rates and prices for you. Click here to check out Trim!

3. Use the Cash Envelope System

The cash envelope system helps individuals stick to a weekly and monthly budget. With this system, you will put your expenses into envelope categories such as gas, food, entertainment/fun, groceries, and more.

After each paycheck, you put a certain amount of money in each envelope category and only spend the amount you put in the envelope until your next payday. This method helps with staying on budget and also helps with not overspending.  Some of the best free DIY cash envelopes I have seen are from Thinking Closet! Her DIY cash envelopes make it super easy and fun to budget each month. If you are looking for envelopes that are already ready to go check out these.

4. Use Budget Printables & Templates

One of the best ways to save money and stay on budget is by using free budget printables online. I have a set of budget and side hustles printables that will be available May 1st but in the meantime, you check out a list of free budget and money-saving printables by clicking here to help get on a monthly budget each month.

5. Complete Surveys Online

How To Make Money With Swagbucks

One way I make extra money during my free time is by completing different tasks on websites like Swagbucks. With Swagbucks you can make money just by doing simple tasks online such as watching short videos, completing surveys, shopping online, referring your family and friends to the site and more.  Swagbucks is one of my favorite ways to make extra money online and currently I make an extra $200+ in gift cards per month just by completing tasks on the website and referring my friends to the site.

So, if you have free time and looking to make extra money that you can actually save or put towards gas you can totally join Swagbucks and other awesome survey sites.

Some of my favorite legit surveys online are

6. Use The Charlie Text Service

This text service is a financial assistant that constantly monitors your transactions and helps you find ways to save money, cut expenses, and understand your spending. This app helps you spend less time worrying about money and more time enjoying life. You can either sign up through text message or through your Facebook messenger to get daily reminders to help you save money.

On average the Charlie text service helps individuals save $80 per week.  This text service has been seen on The Penny Hoarder, HuffPost, Insider, and more.

7. Sell unwanted items

If you are looking to make extra money to put into your savings you can sell unwanted items around your home. One of the quickest ways to make extra money is by selling items such as old books, phones, computers, and other electronics.

My husband and I have sold unwanted items from our house on places such as  LetGoGazelle, Swap, and  Offerup. You can also sell unwanted books online on websites such as Bookscouter & Cash4Book and get cashback.

Lastly, you can sell things such as old CD’s, phones,  DVD’s and games on places like DeCluttr. This site will buy your old items and you will get cashback!

8. Use The Honey App

Save Money With Honey App

I absolutely love the Rakuten Google Chrome extension app. This app is the number one shopping app and helps individuals save money on everyday purchases.  It’s free and makes sure you always have the lowest price online. If you shop online this app is a must-have. Check out Honey by clicking here! 

9. Get free birthday meals

Did you know you can get a ton of free birthday meals and treats during your birthday month? Last year my husband and I signed up for different reward programs from places such as Red Robin and Culver and received birthday meals and treats. Last month my husband got a free meal for being apart of Red Robin’s reward program and didn’t have to purchase anything or pay a dime. 

So, if you are looking to save money on meals and treats during your birthday month totally check out and sign up for some of my favorite places to get birthday treats and meals below.

10.  Get free baby stuff

If you have a baby on the way did you know you can get up to $500 in free baby stuff?

Yes, that’s correct!

When I got pregnant with my first son I got a ton of free baby stuff just by signing up for different companies such as Medela, Walmart and Target.

When you sign up for the companies they will send you a ton of free stuff including diapers, baby clothes, formula, and more in a welcome box.  This is great if you are looking for items to add to your baby collection before the baby arrives. Click here to find a list of places that offer free baby samples and boxes for new moms and moms that are pregnant.

11. Use Cushion

How to save money with Cushion

Cushion is an amazing app that helps you get a credit card and bank fee refunded. This app securely connects the credit card or banks that you use most frequently. Cushion’s bot which is called, Fee Fighter finds any bank fees such as late charges and requests your permission to fight them.

After that, the app negotiates with the bank to get your money back from the late charges. Within’ 24 hours the app will send you a summary of your refund. 

12. Buy clothes out of season

Another way that I save money throughout the year is by buying clothes out of season. For example, at the end of each season department stores marked down items as they prepare to bring in new clothes for the next season.

So, if you are approaching the end of the winter season you totally load up on a ton of winter clothes for almost half the price in different stores such as Target and Walmart.  Right before each season is about to end take a trip to the mall and see what type of clothes they have on sale and complete your wardrobe.

13. Buy holiday decorations when the holiday ends

Another great way to save a ton of my money is by buying holiday items at the end of that holiday season.

Have you ever noticed at the end of the Christmas or Valentine seasons that a lot of items such as decorations and candy go on mega sale? If you haven’t normally at the end of each season departments stores such as Walmart and Walgreens have to get rid of the items of the holiday that just ended really fast to prepare for the next holiday.

So, as a result, they marked down most of the items about 50- 80% off which makes most of the decorations and leftover candy super cheap and affordable. If you are looking to save money totally hit up Walgreens and other department stores once Christmas and other holidays are over to get decorations for the next year.

14. Do A No Spend weekend

Have you ever tried a no spend a weekend to save money? This hack is amazing if you are looking to challenge yourself and save money during the month. Also, if you need to save money pretty fast doing a no-spend challenge will help you achieve that goal.

With a no-spend challenge, you basically refrain from spending any money at all for a certain amount of days.

For example, if you decide to do a no-spend challenge for 7 days you will go a total of 7 days without spending any money. Most people do this challenge with their family or friends to help hold each other accountable.

15. Shop at the dollar store for certain items

I can’t tell you how many times shopping at the Dollar Store has saved me so much money when I am planning a birthday party or an event. When I start to plan out an event I normally write down items that I can buy at the dollar store to save money. 

Some items that I normally get from the Dollar Store are:

  • Paper Plates
  • Napkins
  • Cups
  • Party decorations
  • Ziplock Bags
  • Name brand hand and dish soap
  • Birthday card

16. Use Gas Buddy To Find The Cheapest Gas 

If you are looking for the best gas prices around your town with the best rates check out Gas Buddy. With this app, it helps you find the lowest prices for gas in your area when you put in your zip code. You never have to pay full price for gas with this app because it always finds the cheapest places to get gas in your area.  I also loved that you can access this app right from your phone on the web. Since my husband drives a lot I thought this app would be perfect to help us save money on gas every single week.

17. Use Every Dollar

How to save money with Every Dollar app

If you are looking for a great budget the Every Dollar App is a must-have. This app helps you create a budget to help you achieve your money goals quickly. When you sign up you can create your new budget in as little as ten minutes.

My husband and I absolutely love this app and love all the amazing features that it offers that help us stay on budget and save money. Check out Every Dollar by clicking here!

18.Book flights in advance

If you are going out of town check out places such as  Hotwire to find some of the best plane ticket rates. Per Business Insider I found out that the best day to purchase plane tickets is on Sundays. So, to save money try buying your tickets a few months in advance and look to purchase tickets on Sundays. I normally like to look for plane tickets about 2 to 3 months in advance to save money.

You can also check out the Hopper app to find some of the best deals on airfare as well.  

19. Use Grocery Apps

If you are looking to save money at the grocery store check out grocery stores apps such as  Walmart Grocery Shopping, Flipp and Krazy Coupon Lady: Save Money to save money on everyday purchases. 

20. Meal Plan

Before you go to the store write out a list of things you need to pick up. I have noticed that when I write out a list of things to get from the store I stay on budget. I have also noticed that when I don’t write out a list my grocery shopping is more random and I spend about $50 bucks more.

So, grab a notebook from the dollar store or use your phone to write out a grocery list of items you need for the week. Some pretty cool grocery list apps to use on your phone are Any listGrocery Pal, and Our Groceries Shopping list.

Ways To Save Money


Share This Post!

This site uses Akismet to reduce spam. Learn how your comment data is processed.


Monday 19th of August 2019


Latasha Peterson

Thursday 22nd of August 2019

Oh! Cooking at home as saved me so much money!


Monday 29th of April 2019

So many great money saving tips here Latasha!

I've been using the Honey app for a while now, but most of these tips are new to me! Thanks so much for sharing!

Latasha Peterson

Friday 3rd of May 2019

Hi Laura! I love the Honey app as well !:) Thanks for stopping by.

This site uses Akismet to reduce spam. Learn how your comment data is processed.