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


25-ways-to-save-800-every-monthSeptember 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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Sign up for Swagbucks and Ebates.

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!

Ebates works similarly. 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 will receive a $10 cash back if you spend 25$ online.

Average savings: $120+ 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. Read: How To Start Your Own Blog With WordPress Step-by-Step.

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 $800-$1,000 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 $3.95 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: $6,000-6,500 a year (in my personal case)

Join Vindale Research

With Vindale you can earn a good extra money every month just by doing a couple of these surveys a week. You can join Vindale Research here.

They are one of the best survey companies considering the payout and time spent. The best thing is that before taking any survey you’ll be able to see how much will they pay and the time to complete.

I only do the ones which pay between $2 to $20 and last month I made nearly $200.

Average earnings: $190+ a month

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 is 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

Join As Many Free Online Survey Companies As You Can

My recommendation for you is to sign up for all the free online survey sites below if this is a side hustle you like.

The reason why signing up for all of them is that each survey company will send you a few surveys to your inbox every month, so the more you sign up for, the more potential money you will make. You can always skip few surveys if you feel like you don’t have time for all of them. So, why don’t sign up for all seven? It’s easy and quick.

These free online survey sites are trustworthy and legitimate and can make a difference in your earnings. These are  Survey Downline, American Consumer OpinionEarningstationand Mr. Rebates.

Just by joining all of them you will receive an extra $30 for free as a sign-up bonus.

Average savings: $300+ a month


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

Review your cell phone contract.

Most people pay more than 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 (only applied to the UK).

Another good option is Q Link Wireless. They provide all eligible low-income households with a free cell phone that includes free monthly calling and texting. Submit your application and you might be qualified to get a free cell phone and 500 minutes every month plus unlimited texts.

However, if you are not qualified, there might be other good plans out there, it’s just a matter of spending few minutes on the internet to figure out what will work for you.

Average earnings: $65 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.

Another option is trying Curiosity Stream, which is similar to Netflix but cheaper (only $2.99/month or $29.99/year). They also offer a month free trial. Movies and documentaries, it worth giving it a try at least for the free month.

If you are willing to spend a tiny bit more I would go for JeeStream. It’s only one payment and you will get more TV shows, sports, shows and music channels than Amazon Prime, Netflix and Apple TV combined together. It also offers a 30 days money back guaranteed.

Average savings: $65+ a month

Join More Survey Sites (Only For US)

If you are from the US, you are lucky because you can join these 3 sites to save/make extra money every month. My recommendation for you is to join all these 3 sites because they complement each other very well.

EarningStation is a loyalty rewards site that allows you to earn cash incentives and gift cards by online shopping, participating in surveys, playing games and watching short videos. I started using EarningStation last month and I’ve already made $50. Signup to EarningStation here.

ShopTracker is an App that you can sync with your Amazon account (and automatically you’ll receive a $3 Visa Gift card as a welcome bonus). You can install the App on your phone or Windows computer (not compatible yet with Mac computers). ShopTracker gives you Amazon gift cards, retail e-vouchers and VISA prepaid cards just for having this app installed. Signup to ShopTracker here.

Harris Poll Online offers you the opportunity to earn gift cards in exchange for your participation in surveys. Signup to Harris Poll Online here.

Average savings: $125+ 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

how to save money in septemberReduce 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:

  • 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.


About Francisco Anes 89 Articles
Francisco Anes is a personal finance blogger who loves blogging and spending time with his family. He works from 9 to 5, Monday to Friday but his dream is to reach financial freedom. On his blog, he writes about saving money, budgeting, pay off debt and making money blogging. Francisco lives with his family in Cambridge, UK.


  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!

  2. For UK readers, you now (as from September 2016) need a TV licence even if you don’t watch live TV, only iPlayer, etc. We did without TV and the associated licence for ten years and the savings paid for my Mac, but now need a licence so have dutifully got one. Watch out if you are still watching catchup without a licence!

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