Archive for the ‘Family’ Category

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…

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 Left and I Missed You

I went to tutor last night, after a long day out and about and I didn’t want to leave. Sully wanted to come with me, he even told me he could come. I told him what I was going to do was like work and I couldn’t take him.

When I got back, he told me that I left and that he missed me. He’s so articulate and sweet lately. I thought about next week when I leave to go to a conference and I don’t want to leave the kids. They are so loving and happy, it’s going to be sad to go.

Baptism for Baby

Today we are going to my niece’s baptism in Milford. It will be fun to see her in her dress and then to celebrate with family afterwards.

Big Boy Park

Sully rode his bike all the way to the park we call the big boy park. It’s toys are taller and more interesting. Usually when he takes the bike to a destination, he gives up on the way and ends up in the stroller, but not today.

He made it the whole way there without any direction from me. It’s probably 1/3 of a mile away, so it’s not like it’s the park behind our house.

Cece can feed herself with a spoon without making a crazy mess as well. These kids are so independent already!

Tired kids

The upside of daycare is that my kids are worn out by the time they come home. They are ready for bed almost an hour earlier! That’s also because they are waking up earlier too. We have been through two days of daycare and I think it has been a really positive experience for both of them. They are getting used to all of their teachers. Sully is learning how to navigate the different aspects of his day – he can even go and see Cece in her classroom if he wants to.


Today, our kids are going to daycare for the first time, all day. We are super nervous and excited for them to enjoy it. I think we picked a really great place with awesome people, so I have a lot of confidence they will come home happy and tired.

Cider Mill birthday

Today we went to three cedars farm for a friend’s birthday party. What a cool place. They have tons of stuff for kids including a train, hat ride, slides, animals, and a talking silo which was actually a little creepy. 

Sully rode the train twice. He loved it. There was also a tractor he got to sit on and some little tractor bikes you could ride around on. I couldn’t believe how many people were there as the day progressed. We got there right as they opened but it was already getting crowded. It was a lot of fun and already felt a lot like fall