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50 Money Saving Tips to Eliminate Credit Card Debt

Saving money is an excellent choice any day of the year. Fortunately, there are plenty of ways to save in all aspects of life- from school to home to the grocery store. To help you save and eliminate credit card debt, here are 50 money saving tips.

Pay off debt faster with these money saving tips.

Pay off debt faster with these money saving tips.

List of 50 Money Saving Tips

Check out this list of 50 money saving tips to make your budget stretch and help you reach your financial goals faster!

  1. Make repairs instead of buying new items.
  2. Cancel subscriptions, even if you use them. Take a break.
  3. Pack your lunches.
  4. Use the library more for books, music, and movies.
  5. Swap clothes with friends rather than buying.
  6. Turn the thermostat down in the winter.
  7. Use less air conditioning.
  8. Use separate savings accounts for financial goals.
  9. Grow a garden to save on produce or cut flowers.
  10. Make your gifts.
  11. Weatherize your home for the winter.
  12. Carpool to work.
  13. Ditch the car and take public transportation.
  14. Downsize your home or apartment.
  15. Avoid late fees with automatic payments
  16. Buy throw pillow covers instead of new pillows
  17. Use Groupon and other deals
  18. Use credit wisely and save money- like Target Red Card or one that earns miles for travel.
  19. Rearrange the furniture instead of buying something new.
  20. Have a girls’ night in rather than going out.
  21. Trade services instead of paying cash.
  22. Make a grocery list and stick to it.
  23. Use CD accounts and high interest checking to make money as you save.
  24. Adopt a modular wardrobe.
  25. Use holidays to get the things you need/want- send out that list!
  26. Take advantage or pre-tax opportunities.
  27. Eat rice and beans for dinner every night.
  28. Make your popsicles.
  29. Drink water.
  30. Buy in bulk.
  31. Hit the thrift stores first.
  32. Split gift costs.
  33. Work out at home.
  34. Cut your own hair.
  35. Downsize to one vehicle.
  36. Shop at the farmers market.
  37. Save more by working more.
  38. Attend free events with the family.
  39. Travel on the off-season.
  40. Use the library for toys, free events and more for the kids.
  41. Make your own decor.
  42. Do your own taxes.
  43. Wait for sales to go school shopping.
  44. Download price tracking tools and other money-saving apps.
  45. Buy three-ring binders instead of notebooks every year. Simply refill with paper.
  46. Bake instead of buying pre-made deserts
  47. Turn off the lights when you aren’t using that room.
  48. Shop around for insurance and utilities.
  49. Use cash instead of credit cards to keep your budget and savings on track.
  50. Invest in rechargeable batteries. This pays off in the long run.

If you’re struggling to pay off debt, schedule a free credit counseling session with us today.


Michelle is a regular contributor to Talking Cents. She has taken several financial courses on debt management and is ready to circulate what she has learned from them as well as lessons from her own life- family to DIY projects to student loan debt.

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