104 Little Tips to Make and Save Money
Includes ranking to make these as actionable as possible
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.
- Skim the whole thing (it’s long).
- As you skim, write down the numbers of the tips that sound interesting or applicable to you.
- Go through it again only reading the tips you want to, in depth.
- Optional: Grab a PDF of the whole thing for future reading here.
- Retire early, travel the world, buy all of the things, send me a $2 bill in gratitude.
- 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.
🌟= 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