104 Little Tips to Make and Save Money

104 Little Tips to Make and Save Money

Includes ranking to make these as actionable as possible

Photo by NeONBRAND on Unsplash

Note: Since this list is massive, if you want this in PDF, I’ll send it to you here.

- Introduction
- How to Use This Guide
- Difficulty & Impact Scale
- Ideas 1-104


This grew out of my own desire to compile a list of ways to make and save money if I really had to — a stoic practice of mentally preparing for the worst case scenario. This is also an extension of the practice from Become an Idea Machine which is coming up with 10 ideas per day by Claudia A. Altucher, which is a great book and a practice I keep up daily.


How to use this guide:

Caveat #1: Not every one of these will apply to you. In fact, most will not. These are not intended to be bulletproof money-saving or generating tips, but more of a thought starter for you. If you can use 2–5 of these tips in your life to generate or save some extra money, then I have succeeded. The goal is to think outside the box.

Caveat#2: I wanted this to be exceedingly actionable which is why I included approximate annual impact to your wallet and difficulty. This way you can make quick calls as to whether or not something is worth doing. These ratings are NOT meant to be rock solid. Something may take more or less time than I estimate and may save you more or cost you more than I estimate. Please do your own due diligence when considering making any changes.

Caveat #3: I’m not a tax professional, CPA or lawyer. Please conduct your own due diligence regarding legality and tax implications for each of these tips, within your local municipality. 

  1. Skim the whole thing (it’s long).
  2. As you skim, write down the numbers of the tips that sound interesting or applicable to you.
  3. Go through it again only reading the tips you want to, in depth.
  4. Optional: Grab a PDF of the whole thing for future reading here.
  5. Retire early, travel the world, buy all of the things, send me a $2 bill in gratitude.
  6. Another great way to filter for the best tips is to look for tips that have a at least a 1–2 star difference between the difficulty and impact. Anything that has fewer impact stars than difficulty stars might be another category you stay away from, especially if you have limited time or money resources.

Difficulty & Impact Scale

Some suggestions are more difficult than others and some will save/earn more money that others. I tried to detail that out underneath each idea — again, this is my best estimate so you can have an idea as to which ideas are quick wins and which are longer term wins. The sweet spot will be the low difficulty, high impact items.

Difficulty Scale

🌟= Very easy, takes minutes or 1 step, one-time effort

🌟🌟= Easy, less than 1 hour or 1–2 steps to achieve, one-time effort

🌟🌟🌟= Moderate, takes repeated effort or multiple steps

🌟🌟🌟🌟=Hard, noticeable change to your life, repeated effort

🌟🌟🌟🌟🌟=Very hard, big life shift, constant effort

Impact Scale

🌟=$1-$10 annually

🌟🌟=$10-$100 annually

🌟🌟🌟=$100–1,000 annually

🌟🌟🌟🌟=$1,000–5,000 annually

🌟🌟🌟🌟🌟=$5,000+ annually

Read On…

Breaking a Habit

I used to force myself to write here daily. It was a good practice for awhile, but it’s time to give it up. I did it for over a year and I learned what I needed to learn.

  1. I can do it. It’s not impossible.
  2. I found writing easier when I lowered my barrier to entry and did it regularly.
  3. I feel better after getting something published, or shipped as Seth Godin would put it.
  4. I like the transparency of putting something out regularly.

Read On…

Best Weather of the Year

This time of year is amazing. We have 70-75 in the daytime, warm late into the evening, and then the nights get chilly, around 40-50. This is the best weather of the year.

Hot stews, bonfires and sweatshirts are all appropriate this time of year. When it’s obnoxiously hot or cold out, we’re so far from our normal range of comfort that it’s easy to hate the weather. But when it’s in the shoulder season, in the fall, where we hover right around our natural comfort range, it’s much nicer.


Back in the Office

I find that getting back to work after an extended absence is best done by making a brain dump to-do list. Being overwhelmed by all of the email and “post-trip” follow-up items can be a recipe for not starting anything difficult. But getting it all on paper makes it feel like you can actually start something and not lose track of any of the other things you are holding tenuously in your mind.

Visiting a Conference

I spent the week at a conference and seminar. I learned a lot at the seminar, mostly because I signed up to take a test at the end. So I had to pay close attention. I also talked to a lot of vendors in the expo area that had a lot of good information for me and new things to try. 

Conference Week

This week I’ll be at a conference in Atlanta. I’m hoping this is interesting and I learn a lot from the class and certification I’m taking. I’ll miss this kids an Jess the most though.

Blue Jeep Car

Sully got a big present from his grandparents for his birthday and he loves it. It’s a power wheels blue Jeep. He calls it Blue Jeep car andvi love that he calls it that. He’s getting really good at driving it all over the neighborhood.  He can even drive his sister around in it.


It’s so hot. It’s hotter than any day I can remember from this summer. What’s going on? We had to use our A/C more lately because it’s so hot and humid. I’m ready for cooler weather.


I will be going to a seminar and a conference next week. I am not excited to leave my family behind, especially with my kids being so stressed lately with the addition of daycare. I know they’ll be okay, but my son just doesn’t understand why people leave him right now.


You Came Back for Me

My son was fine at daycare all day. Then my wife went to pick him up and when he saw her, he began crying and said, “you came back for me!” I can’t handle that kind of vulnerability! What was he thinking when she left, that she’d never come back? What does he think is the purpose of leaving them there all day? What do other kids think when they get dropped off?

I remember being left at a camp during the day and my mom being really late to pick me up. It made me sad and upset with her because the camp counselors had to wait with me and treat me differently. Why couldn’t she be on time? With no cell phones, it was impossible to get a status update, I just had to sit and wait.

I think that’s the reason I’m chronically early to things – sometimes uncomfortably early. I arrive to meetings too early with nowhere to wait beforehand and end up inside awkward conversations.