{"id":8462,"date":"2026-04-09T11:00:00","date_gmt":"2026-04-09T18:00:00","guid":{"rendered":"https:\/\/blog.answerfinancial.com\/?p=8462"},"modified":"2026-04-10T13:51:54","modified_gmt":"2026-04-10T20:51:54","slug":"15-easy-ways-you-could-save-money","status":"publish","type":"post","link":"https:\/\/blog.answerfinancial.com\/15-easy-ways-you-could-save-money\/","title":{"rendered":"15 Easy Ways You Could Save Money"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">While it\u2019s not always feasible to increase your income, it is\nusually possible to save money, which can make it feel like you received a\nraise. <a href=\"https:\/\/www.answerfinancial.com\/insurance-center\/financial-fitness-a-new-workout-routine-for-your-wallet\/\">Becoming\na skilled saver is a process<\/a>. There\u2019s no such thing as one or two simple\nbudget tricks that will get you to a better place. It\u2019s more about developing a\nseries of small habits to that add up to a major difference. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We compiled 15 small habits to help you save money during good\ntimes or rough times. Because we\u2019re insurance experts, the last 5 all have to do\nwith saving on insurance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1) Buy Used<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Think about it this way: everything is only \u201cnew\u201d for a day at most. Buying used, even slightly used, can help you save money. This is especially true when buying cars and electronics. With sites like eBay offering a world of merchandise, there\u2019s no reason to pay retail price for anything. Incredible local deals can also be found on sites like Craigslist, Facebook Marketplace, or Nextdoor. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2) Buy Generic<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Generic products are often made in the same factories and with the same basic ingredients as brand name products. One of the differences is you aren\u2019t paying extra for the marketing used to sell the product. This applies to clothes and toys as well as &nbsp;store-brand foods. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3) Get a Smart Thermostat<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The price of smart programmable thermostats has dropped in recent years. Enough so that one of these could pay for itself in less than a year. You don\u2019t need to buy the fanciest model either\u2014almost any new thermostat will be an improvement if you learn how to use it. And sometimes, your power company will help you save money by offering you a rebate for purchasing one.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4) Cancel Your Gym Membership<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Make the world your gym. Even if you\u2019re one of the people who regularly use your gym membership, do you really need it? If you\u2019re motivated to exercise regularly, you may be able to save money with free weights at home or running in your neighborhood. Even if you need to purchase some equipment, the overall cost can be much less than the cost of a one-year gym membership.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5) Cancel Subscriptions<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">How many streaming services do you really need? Try canceling one or two to save money and find out if you really need the ones you are currently paying for. If you find that you need more to binge-watch, see the next tip.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\t\t\t<!-- ic_quote shortcode widget plugin -->\n\t\t\t<style>\n\t\t\t.ic-cta-quote-form .chosen-container{ display:none; }\n\t\t\t.currently-insured{ display:block !important; }\n\t\t\t<\/style>\n\t\t\t<aside class=\"ic-cta-quote-form\">\n\t\t\t\t<form action=\"https:\/\/www.answerfinancial.com\/\" method=\"GET\" target=\"_blank\">\n\t\t\t\t\t<h3>Compare Quotes From Top-Rated Insurance Companies<\/h3>\n\t\t\t\t\t<div class=\"content\">\n\t\t\t\t\t\t<div class=\"column\">\n\t\t\t\t\t\t\t<!-- Zip Code -->\n\t\t\t\t\t\t\t<label class=\"zipcode\" for=\"zip-code\">\n\t\t\t\t\t\t\t\t<span class=\"screen-reader\">Zip Code<\/span>\n\t\t\t\t\t\t\t\t<span class=\"icon map-marker\">\n\t\t\t\t\t\t\t\t\t<svg width=\"1792\" height=\"1792\" viewBox=\"0 0 1792 1792\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M1152 640q0-106-75-181t-181-75-181 75-75 181 75 181 181 75 181-75 75-181zm256 0q0 109-33 179l-364 774q-16 33-47.5 52t-67.5 19-67.5-19-46.5-52l-365-774q-33-70-33-179 0-212 150-362t362-150 362 150 150 362z\"\/><\/svg>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<span class=\"error-message\">Please enter a valid zip code<\/span>\n\t\t\t\t\t\t\t\t<input id=\"zip-code\" name=\"zipcode\" type=\"text\" title=\"Zip Code\" placeholder=\"Zip Code\"\/>\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"column\">\n\t\t\t\t\t\t\t<!-- Currently Insured? -->\n\t\t\t\t\t\t\t<label class=\"prior\">\n\t\t\t\t\t\t\t\t<span class=\"screen-reader\">Are you currently insured?<\/span>\n\t\t\t\t\t\t\t\t<span class=\"icon umbrella\">\n\t\t\t\t\t\t\t\t\t<svg width=\"26px\" height=\"30px\" viewBox=\"0 0 26 30\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\">\n\t\t\t\t\t\t\t\t\t\t<!-- Generator: Sketch 50.2 (55047) - http:\/\/www.bohemiancoding.com\/sketch -->\n\t\t\t\t\t\t\t\t\t\t<title>Artboard 1@1x<\/title>\n\t\t\t\t\t\t\t\t\t\t<desc>Created with Sketch.<\/desc>\n\t\t\t\t\t\t\t\t\t\t<defs><\/defs>\n\t\t\t\t\t\t\t\t\t\t<g id=\"Artboard-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\">\n\t\t\t\t\t\t\t\t\t\t\t<path d=\"M13.0844,1.4382 C13.0844,1.4382 9.4604,5.1052 1.0014,5.1052 C1.0014,5.1052 0.6674,22.6052 13.0844,28.5212 C13.0844,28.5212 25.0844,24.5642 25.0844,5.1052 C25.0844,5.1052 16.8344,5.3962 13.0844,1.4382 Z\" id=\"Stroke-1\" stroke=\"#8AC45C\" stroke-width=\"2\"><\/path>\n\t\t\t\t\t\t\t\t\t\t\t<g id=\"Group-7\" transform=\"translate(1.000000, 1.596700)\" fill=\"#8AC45C\">\n\t\t\t\t\t\t\t\t\t\t\t\t<path d=\"M1.0009,13.008 L12.0419,13.008 L12.0419,0.508 C12.0419,0.508 8.1259,4.445 0.0009,3.508 C0.0009,3.508 0.0639,9.32 1.0009,13.008\" id=\"Fill-3\"><\/path>\n\t\t\t\t\t\t\t\t\t\t\t\t<path d=\"M12.7509,13.008 L22.9459,13.008 C22.9459,13.008 21.4179,22.716 12.0839,26.925 L12.0419,13.008 L12.7509,13.008 Z\" id=\"Fill-5\"><\/path>\n\t\t\t\t\t\t\t\t\t\t\t<\/g>\n\t\t\t\t\t\t\t\t\t\t<\/g>\n\t\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<span class=\"error-message\">Please complete this field<\/span>\n\t\t\t\t\t\t\t\t<select class=\"currently-insured\" name=\"prior\" title=\"Currently Insured?\" data-placeholder=\"Currently Insured?\" placeholder=\"Currently Insured?\">\n\t\t\t\t\t\t\t\t\t<!-- <option title=\"Currently Insured?\" value=\"Currently Insured?\" selected>Currently Insured?<\/option> -->\n\t\t\t\t\t\t\t\t\t<option title=\"YES\" value=\"YES\" selected>Currently Insured? (Yes)<\/option>\n\t\t\t\t\t\t\t\t\t<option title=\"NO\" value=\"NO\">Currently Insured? (No)<\/option>\n\t\t\t\t\t\t\t\t<\/select>\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"column\">\n\t\t\t\t\t\t\t<!-- Hidden referrer -->\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"a\" value=\"retail\">\n\t\t\t\t\t\t\t<!-- Hidden incoming source: 'blog' -->\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"comingfrom\" value=\"blog\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<!-- Submit Button -->\n\t\t\t\t\t\t\t<input type=\"submit\" value=\"Get Quotes\">\n\t\t\t\t\t\t\t<!-- or... -->\n\t\t\t\t\t\t\t<p class=\"or\">or<\/p>\n\t\t\t\t\t\t\t<!-- Call Link -->\n\t\t\t\t\t\t\t<p class=\"call\">\n\t\t\t\t\t\t\t\t<span>Call:<\/span>\n\t\t\t\t\t\t\t\t<a href=\"tel:18002585101\">1-800-258-5101<\/a>\n\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/form>\n\t\t\t<\/aside>\n\n\t\t<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">6) Use Your Library<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Almost every library checks out new and classic DVDs. Obviously, books and audiobooks are free at the library as well. You might find that you don\u2019t really need a subscription music streaming service with all the CDs most libraries allow you to check out.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">7) Refinance Your Mortgage<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Although interest rates can fluctuate from time to time,if you can lower your current rate by 1%, it\u2019s often worth the time and cost to refinance your home. If you\u2019re close to paying off half your loan already, switching to a 15-year mortgage from a 30-year can help you save money by lowering your interest rate even further.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">8) Switch Your Cell Phone Plan<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">With all the fierce competition between carriers, you\u2019re likely to save money if you shop around. It\u2019s going to take some work, but you may be able to find monthly savings.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">9) Inflate Your Tires<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A tire gauge is only a few dollars, but the fuel savings can be significant if you inflate your tires to the pressure that\u2019s listed in your owner\u2019s manual. You should check the pressure monthly because seasonal temperature changes can quickly alter your tire pressure, even if you don\u2019t have a leak.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">10) Lower Your Water Temperature<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No one really needs scalding hot water to take a shower. But most hot water heaters are set to 140 degrees Fahrenheit by default. Turning your water temp down to a still piping hot 120 degrees can add up to real savings on your gas or electric bill.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">11) Improve Your Health<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">While improving your health won\u2019t necessarily lower your health insurance premiums, it can mean fewer trips to the doctor, fewer medications and lower spending toward your deductible. But developing healthier habits can significantly lower life insurance premiums. Quitting smoking, for example, can save you as much as $1100 a year\u00b9 on a $500,000 life insurance policy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">12) Rethink Your Life Insurance Needs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Many people buy life insurance policies to cover a mortgage for a spouse or to protect dependents. If you\u2019ve almost paid off that mortgage or you\u2019ve already met your investment goals, you might not need a million-dollar policy anymore. Lowering your policy amount is a good way to save money on something you will hopefully not need to use.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">13) Improve Your Credit<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In certain states, your credit rating is a major factor in what you pay for auto, homeowners, and other insurance. For example, drivers with poor credit can pay almost twice as much as drivers with excellent credit, in some states. Doing everything you can to improve your score can equal big savings across all your policies.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">14) Drive Less<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Every auto insurance policy takes into account how many miles you drive every year. Working from home, taking fewer road trips and having more things delivered can cut back on your yearly mileage, lowering your premium and saving you money. Plus, think about all the lower fuel costs and reduced maintenance when you cut back on driving.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">15) Get Multiple Car Insurance Quotes<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Getting multiple quotes is one of the best ways to save money and while ensuring you are still getting the best policy for your needs. Doing this on your own can be a lot of work. But letting <a href=\"https:\/\/www.answerfinancial.com\/insurance-center\/who-is-answer-financial\/?a=insurance_center&amp;comingfrom=blog\" target=\"_blank\" rel=\"noreferrer noopener\">the pros at Answer Financial<\/a> comparison shop for you is an easy way to save. Ready to pay less? <a rel=\"noreferrer noopener\" aria-label=\"Get a free quote (opens in a new tab)\" href=\"https:\/\/www.answerfinancial.com\/?a=insurance-quote&amp;comingfrom=blog\" target=\"_blank\">Get a free quote<\/a> today or call one of our insurance experts at <a href=\"tel:\/\/+18002585101\">(800) 258-5101<\/a> to see how much you might save on a policy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Who is Answer Financial?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">As one of the nation\u2019s largest and most reputable auto &amp; home insurance agencies,\u00a0<a href=\"https:\/\/www.answerfinancial.com\/insurance-center\/who-is-answer-financial\/?a=INSURANCE-CENTER\">Answer Financial<\/a>\u00a0has insured nearly 5 million homes and vehicles. We work with 40+ top-rated carriers to save our customers an average of $677 a year on insurance.<strong><sup>4\u00a0<\/sup><\/strong>\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Answer Financial can help you&nbsp;<a href=\"https:\/\/www.answerfinancial.com\/Home-Insurance\/?a=EMAILNEWSLETTER06&amp;comingfrom=blog#\/\" target=\"_blank\" rel=\"noreferrer noopener\">compare, buy and often save the smart way on insurance<\/a>. So before you shop, remember to rely on your insurance experts to find you the right home insurance plan for your needs and budget.&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><a id=\"_msocom_1\"><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>While it\u2019s not always feasible to increase your income, it is usually possible to save money, which can make it feel like you received a raise. Becoming a skilled saver is a process. There\u2019s no such thing as one or two simple budget tricks that will get you to a better place. It\u2019s more about&hellip;<\/p>\n","protected":false},"author":22,"featured_media":8463,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[117],"tags":[471,470],"class_list":["post-8462","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","tag-insurance","tag-savings"],"ic_custom":{"author_name":"AnswerFinancial","medium_thumbnail":"<img width=\"300\" height=\"200\" src=\"https:\/\/blog.answerfinancial.com\/wp-content\/uploads\/2020\/04\/Save_Money-300x200.jpg\" class=\"attachment-medium size-medium wp-post-image\" alt=\"Save Money\" decoding=\"async\" loading=\"lazy\" srcset=\"https:\/\/blog.answerfinancial.com\/wp-content\/uploads\/2020\/04\/Save_Money-300x200.jpg 300w, https:\/\/blog.answerfinancial.com\/wp-content\/uploads\/2020\/04\/Save_Money-1024x683.jpg 1024w, https:\/\/blog.answerfinancial.com\/wp-content\/uploads\/2020\/04\/Save_Money-768x513.jpg 768w, https:\/\/blog.answerfinancial.com\/wp-content\/uploads\/2020\/04\/Save_Money-1536x1025.jpg 1536w, https:\/\/blog.answerfinancial.com\/wp-content\/uploads\/2020\/04\/Save_Money-2048x1367.jpg 2048w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>","author_link":"https:\/\/blog.answerfinancial.com\/author\/answerfinancial\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>15 Easy Ways You Could Save Money | Answer Financial<\/title>\r\n<meta name=\"description\" content=\"While it\u2019s not always possible to increase your income, you may be able to save money. 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