September is back, the saving challenge: 25+ Ways To Save Money

how to save money in septemberSeptember is back! And with it, all the new season stuff, new school books for the kids, new seasonal clothes and coming back to work after holidays. How scary is that!

After the summer, I always struggle. I look back at my accounts and I think… oh my gosh! what did I do?

Yeah, plenty of money spent on holidays, fancy dinners and parties. I never regret what I did, but I always try to look forward to finding new ways of saving money. And you know what? It’s challenging and it’s fun.

Below are over 25 different ways to save money each month. If you do all of the below, you may be able to save hundreds or thousands of dollars each year. Remember, little savings can add up to be a lot!

These tips might help you to pay your debt or to save money for that 20% deposit you need for your future house.

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Review your cell phone contract.

Most people pay more that what they need for their cell phone plan.

Contracts with expensive providers with 10GB data when in fact you don’t use more than 2GB/month. Giffgaff offers very affordable plans, and the best is that you don’t sign a contract, is sort of a top up which cost as low as £5 ($7) per month. However, better plans start at around £10 ($13) which includes 1GB of data plus 500 minutes in calls. The good thing is that uses the O2 network.

However, there might be better plans out there, it’s just a matter of spending few minutes on the internet to figure out what will work for you.

Average savings: $50+ a month


Start a blog.

Having your own blog will not help you cutting your expenses, but it will help you to earn more money.

I know plenty of people who have started a blog and now earn thousand of dollars a month. Other even make a living out of it. On top of that, it’s very fun!

I now earn around $500-$700 a month from my blog and the extra money is helping a lot to boost our savings.

If you are thinking about starting your own blog, I created a tutorial-guide that will help you start your own blog for cheap, You need very little investment, starting at only $3.49 per month (this deal is only through my link) for blog hosting. Additionally, you will get a free blog domain (valued at $12-15) through my Bluehost link, only if your purchase is for at least 12 months of blog hosting. My recommendation is for you to be self-hosted. This is important if you want to monetize your blog because your website will look more professional.

Average earnings: $600-800 a month (in my personal case)


Change car insurance.

Every year I change my car insurance. Staying with the same insurance company for more than one year is generally a mistake. The discounts they offer for recurrent clients are ridiculously low and since the insurance market in constantly changing, new companies enter the game.

A good way of comparing car insurances is using Confused. It works in the UK, but I’m not sure about other countries. You can compare car insurances in Confused and then contact the company in order to change insurance.

Also, by contacting your insurance you can receive some money back by reducing the number of miles you drive every year.

Average savings: $600+ a year


Have some free fun.

Recently, someone was telling me about how expensive was for him and his couple to have fun. They spend nearly $300 a month in doing fun things. I couldn’t believe it. Perhaps I’m not a very spending money person, but $300 seems to be a lot for me.

There are plenty of things I do for free and I have loads of fun. Internet, movies, riding a bike and doing camping are some activities that come now to my mind. I spend some weekends entirely without expending any extra money (or very little) and honestly, they are not boring at all.

Average savings: $150+ a month


Sign up for Swagbucks and TopCashback.

Swagbucks help me earning gift cards which I can use at Amazon, and it’s very easy. Swagbucks give you points by using its search engine (just like Google), then you can redeem these points for gift cards. I already redeem 3 Amazon gift cards for $50 and it feels great.  Very easy! Plus, you’ll receive a free $1 bonus just for signing up today!

Topcashback works similar (only in the UK). Instead of points, you will earn money when you shop at more than 4,400 retailers. You just need to sign up and see all the available offers and discounts. Also, you can install the Chrome extension which notifies you every time you enter a website with a discount associated with TopCashback. Also, you will receive £5 for signing up as starting bonus.

Average savings: $120+ a month


Reduce and Clearance at supermarkets.

I found this trick when I moved to the UK three years ago. Most of the big supermarkets have a  “reduce” price or clearance stand. Food which is expiring on the same day will there with and extra discount. The closer to the closing time you arrive, the lower will be the prices, but there is more risk that somebody will buy it before you.

I found great products on a daily basis with discounts of more than 80%. I still remember my best day, I bought 10 rump steaks for £0.09 each.

Average savings: $60+ a month


Get rid of the cable / Don’t pay TV license.

I don’t pay TV license and I don’t need it. Even if I had it, I would hardly ever use it. If I want to watch something on TV I can always watch it on the internet. Plus, I am a fan of movies and series, that is why I have Netflix, which if you have the multiple accounts and you share expenses with a friend, is much more affordable than paying cable or TV license.

Average savings: $65+ a month



Join Survey Companies

This not exactly a saving tip, but the extra income you will receive from Survey companies will cover some of your expenses and you will be able to save more money. There are many survey websites out there, however, I only trust few of them. My favorite survey-places are American Consumer Opinion and Inbox Dollars (Inbox Pounds in the UK).

The withdraw threshold is only $10. Plus, you’ll receive a free $5 bonus just for signing up today in Inbox Dollars.

Average savings: $200+ a month


Cancel your Gym membership.

Nowadays, I find gyms very expensive. It’s true that most of them are very well equipped, but it is also true that you don’t need all the equipment just to do some daily exercise.

Activities like running and trekking don’t require a gym. Also, when you think about it, paying $40 membership a month is a total of $480 a year. With that money you can buy your own equipment and still save money.

When I quit from my gym I bought a set of weights and since then I am saving $40 a month. But you can also buy an exercise bike or a running machine.

Average savings: $60+ a month


Sign up for Qmee.

Qmee is not exactly a saving money app, but it let you earn some extra cash. Qmee is a simple internet browser app extension that allows you to earn some easy money on the side. Basically, you do your google/yahoo/ebay/amazon searches as normal and sometimes ads ad links come up on the side.

Clicking those ad links range from 5-20 cents that go into your Qmee PiggyBank. Paypal cashout has no limit and is instant.

You can read here my Qmee tutorial post to learn how to make the best out of it.

Average savings: $40+ a month


Reduce the number of times you have dinner out.

Cut it to once a week, it doesn’t cost much effort, but by the end of the month you can end up saving a lot. I have my own Excel spreadsheet with all the expenses of the month and restaurants was one of my biggest expenses. After cutting the number of dinners out to once or twice a week, I ended saving more than $100 a month.

Average savings: $100+ a month


Bring your own lunch to work.Your work

You work 22 days per month and if you can save a little every day, it will make a difference. After I switched from eating in my company canteen, to bring my own food, I saved around 3$ per day. That is $66 a month. And not only that, when we cook it’s not only for me but for my wife as well, so it’s a total of $132.

We eat more healthy and the food we like. The only downside is that it takes times.

Average savings: $60+ a month (per person)


More ways to save money.

This list will give an insight of other ways to save money:

  • Take surveys online.
  • Stop smoking (not only money but health improvement). This is a great money saver.
  • Plan your meals on a budget. For example, $5 a meal.
  • Do grocery shopping after lunch or dinner. You will buy with your head and not with your stomach.
  • Always pay your credit card bill in full each month.
  • Use supermarket loyalty cards to get cash back and rewards.
  • Use your ID student card for discounts.
  • Rent a spare room of your house, or your garage if you don’t use it.
  • Do some research to find the most affordable utilities (water, internet, electricity).
  • Buy generic medicines, the effect is the same, you just pay for the brand.
  • Control your monthly expenses, create an Excel spreadsheet for it.

I’m sure there are more ways to save some money this September, if you have good ideas, please leave a comment and I will include it in the list.



  1. Personal favorite is the free fun section. I opt to go biking for free vs golfing for 100-150 per round. Also I canceled my gym membership years ago, bought a few peice of gym equipment which paid for themselves after a year or so.

    • Yeah, I could expand the free fun section with hundred of ideas. You already gave me an idea, I will write a post about it.
      I also like biking, hiking and camping. I used to climb but it’s very expensive and now I do it once in a while only.
      The gym membership is an important saving, even more, when you look at the big figures: if your membership was $30, that would be $360 a year.
      Thanks for the comment!

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