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We all know the common financial tips: save for retirement, don’t rack up credit card debt, and build an emergency fund. While they’re useful, these money tips are not fun to talk about at parties. No one wants to be the person at a party reminding everyone to max out their 401(k).
If you want money tips you can pass on to your friends at parties without boring anyone, here are practical ones.
Apps like Acorns round up your purchases and invest the spare change. Spend $5.40, and 60 cents goes into investments without you lifting a finger.
Tell ChatGPT or your preferred AI tool your budget and dietary plans, and it will create a meal plan for you.
Instead of manually hunting for old subscriptions, apps like Rocket Money and Trim can help you monitor recurring payments.
You can freeze your credit with Equifax, Experian, and TransUnion for free to prevent identity thieves from opening accounts in your name.
Almost every store offers birthday freebies to its customers.
Sometimes, booking two one-way flights, even on different airlines, is cheaper than a round trip.
If you have gift cards you know you’ll never use, sell them on sites like CardCash, Raise, or Gameflip.
A site like MissingMoney.com can help you check for unclaimed money in your name.
Track flight prices for specific dates and get notified when prices change.
You can buy discounted gift cards for literally everything on sites like CardCash and Raise.
Contact your internet provider and inform them that you’re considering switching. Most of the time, they’ll offer a discount to keep you.
Cashback apps like Rakuten, Ibotta, and Fetch Rewards offer cashback on purchases from thousands of stores.
Don’t let your unused storage space sit idle. Platforms like Neighbor.com let you rent out your extra garage or closet space.
One missed bill often means late fees. Automating bill payments prevents this and helps build a good payment history.
Most banks offer $200-$500 cash bonuses to new customers, provided that you meet specific requirements.
Don’t let your idle cash sit in a checking account. Most high-yield savings accounts pay 4%-5% interest.
Many retailers and subscription services offer student and teacher discounts, so don’t be afraid to ask if you qualify.
Airlines often track searches and raise prices when they see repeated interest. That’s why it’s smart to book flights in incognito mode.
In most cases, you don’t need extended warranties that retailers often recommend.
If your credit score or income has improved since you borrowed, refinancing can lower your interest rate.
Websites like CamelCamelCamel and Honey track the price history of Amazon items so you can see the best deals.
Parents can add their kids to credit cards as authorized users, letting them build credit early.
Car insurance rates change constantly. Shopping around twice a year can mean big savings.
Services like Billshark or Trim will call your providers and negotiate lower bills on your behalf.
Many streaming plans allow multiple profiles or users under one account. Sharing with family or friends can cut costs.
Drop off your Amazon return at Kohl’s. They’ll pack and ship it for you for free.
Apps like Fetch Rewards, Ibotta, and Receipt Hog let you scan grocery receipts for points you can redeem for gift cards or cash.
Many libraries offer streaming services, audiobooks, online courses, 3D printers, and even museum passes for free.
Costco also sells various gift cards at steep discounts.
Before you buy any high-ticket item, wait for 24 hours to know whether you really need it.
For every discretionary purchase, let’s say $50, make sure you save $50. This is called the treat yourself tax.
Home office, internet, phone, and mileage can be deductible if you’re self-employed.
Instead of saving $1 week one, start with $52 week one, $51 week two, down to $1 when motivation is still high.
Quick wins keep you motivated to tackle bigger debts.
It’s tempting to splurge your tax refund, but the best way to spend it is to pay down high-interest debt like credit cards.
Life insurance premiums cost less when you’re young and healthy than when you’re in your 50s, 60s, or 70s.
Transfer high-interest debt to cards with 0% introductory APR and pay off principal without interest charges for 12-21 months.
Buying Christmas decorations in January, winter clothes in summer, and summer outfits in winter can translate to huge savings.
Invest the same amount regularly at specific intervals regardless of the market conditions.
During Memorial Day, Labor Day, Presidents’ Day, Fourth of July, and Thanksgiving weekend, retailers offer the steepest discounts on appliances.
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