Top 35 Brilliant Money Saving Tips
1. Clean Your Lightbulbs
A dirty bulb emits up to 30% less light, making your home seem dimmer and causing you to use more lighting. Wipe bulbs and fixtures regularly to improve brightness and cut energy use.
2. Keep Your Fridge Full
Solid items retain cold better than air. If your fridge is empty, fill spaces with water bottles to maintain cooling efficiency and reduce energy consumption.
3. Use Power Strips
Many electronics continue to draw power even when turned off. Plug TVs, computers, and coffee makers into power strips and switch them off when not in use to reduce phantom energy drain.
4. Use a Toaster Oven When Possible
Toaster ovens use about one-third of the electricity of a full-size oven. They heat up faster, making them an energy-efficient choice for small meals.
5. Adjust Your Water Heater Temperature
Lowering your water heater to 120°F can reduce energy costs by 3%–5% per 10-degree reduction without sacrificing comfort.
6. Insulate Your Water Heater
A water heater insulation blanket (around $30) can reduce heat loss, cutting energy costs by up to 16% per year.
7. Wash Clothes in Cold Water
Cold water cleans just as effectively as hot in most cases and can cut your laundry energy costs by more than half.
8. Use the Right Dryer Cycle
High heat isn’t necessary for most fabrics. The permanent press setting uses lower temperatures, which saves energy and extends the life of your clothing.
9. Set Your Thermostat Wisely
Lowering your thermostat by 7–10 degrees for eight hours a day can save up to 10% annually on heating and cooling costs. In winter, aim for 68°F during the day and lower at night.
10. Use Fans Year-Round
Ceiling fans help distribute air efficiently. In summer, set blades to rotate counterclockwise to push cool air down. In winter, reverse them to distribute warm air.
11. Seal Drafts & Insulate
Air leaks can waste energy. Use caulk and weatherstripping around windows and doors to save up to 20% on heating and cooling costs. Adding attic insulation can cut bills even further.
12. Change HVAC Filters Regularly
A dirty filter reduces efficiency and increases energy costs. Replace filters every three months (or more often in heavy-use seasons).
Water Savings
13. Install Low-Flow Fixtures
Switching to low-flow showerheads and faucets can reduce water usage by up to 40%, saving thousands of gallons per year.
14. Upgrade to WaterSense Toilets
Older toilets use up to six gallons per flush, while WaterSense models use just 1.28 gallons, saving 13,000 gallons annually per household.
15. Take Shorter Showers
Set a timer for five minutes to conserve water and reduce energy costs for heating it.
16. Water Grass in the Morning
Early morning watering reduces evaporation, maximizing water absorption and lowering your bill.
17. Make Your Yard Drought-Tolerant
Xeriscaping (using drought-resistant plants and rocks instead of grass) can cut outdoor water use by up to 75%.
Household & Maintenance Savings
18. Use DIY Cleaners
Make your own cleaning solutions with vinegar, baking soda, and lemon juice instead of buying expensive commercial products.
19. Ditch Disposable Mop & Sweeper Pads
Microfiber cloths can replace disposable Swiffer pads. They’re washable and reusable, saving money over time.
20. Skip Dryer Sheets
Wool dryer balls last for years and reduce drying time by improving air circulation, saving on energy costs.
21. Cut Back on Paper Towels
Switch to machine-washable shop towels or microfiber cloths for everyday cleaning to save over $100 per year.
22. Borrow or Rent Tools
Instead of buying expensive tools for a one-time project, check out tool rental programs at hardware stores or join a tool lending library.
23. Choose Perennials Over Annuals
Invest in plants that come back year after year instead of buying new ones every season for curb appeal.
Home & Financial Savings
24. Review Your Mortgage PMI
If you’ve reached 20% equity in your home, request PMI removal to lower your monthly mortgage payment.
25. Shop Around for Home Insurance
Bundling home and auto insurance, installing security systems, or increasing your deductible can lower premiums. Compare rates to ensure you’re getting the best deal.
26. Use a Home Energy Audit
Many utility companies offer free or discounted home energy audits to identify ways to save on electricity and gas.
27. Close Unused Rooms
Shutting doors to unused rooms keeps heating and cooling where you need it most, reducing wasted energy.
28. Hang Dry Your Clothes
Clothes dryers are one of the biggest energy hogs in the home. Air-drying laundry, even part of the time, can cut energy costs significantly.
29. Check for Hidden Fees on Bills
Review utility, internet, and subscription bills for unnecessary charges. Negotiate better rates or switch providers if needed.
30. Unplug Devices When Not in Use
Chargers, gaming consoles, and kitchen appliances still draw power when plugged in. Unplug or use a smart power strip to stop energy waste.
Bonus: Smart Grocery & Kitchen Savings
31. Plan Meals to Reduce Waste
Meal planning prevents impulse grocery buys and reduces food waste. Stick to a shopping list to avoid unnecessary purchases.
32. Freeze Leftovers
Instead of tossing leftovers, freeze them for quick, future meals. It reduces food waste and saves money.
33. Buy in Bulk (When It Makes Sense)
Staples like rice, beans, and pasta are cheaper in bulk. Just be sure you’ll use them before they expire.
34. Use a Water Filter Instead of Bottled Water
A high-quality water filter saves money on bottled water and reduces plastic waste.
35. Skip the Coffee Shop
Brewing your own coffee at home instead of stopping at a café can save over $1,000 per year.
Final Thoughts
Implementing even a handful of these money-saving habits can make a noticeable difference in your budget. The best part? These tips don’t just save money—they also promote efficiency, sustainability, and a more comfortable home. Try them out and watch your savings grow!
