This world ain’t cheap. Still, abundance abounds. It is possible to thrive in this world.
Knowing some tips and tricks can help. You can find some financially savvy tips on Reddit. Their LifeProTips section is full of gems.
There you’ll find hacks that can help you save big bucks. And these are tips you’ve probably never heard about. So get ready to put some money back into your pockets.
Here Are 55 Money LifeProTips from Reddit That Will Put Cash Back In Your Pocket:
1) Hold On to Your Prepaid Debit Cards
It pays to hold on to your prepaid debit cards. You can use them to sign up for free trials. That way you can’t be charged when they try to renew the subscription. This comes in handy since it’s easy to forget that they have your card on file.
2) Make Your Case With An Inflation Calculator
Older generations will say millenials are broke because they pay for the Internet and fancy cell phones. Next time you hear this nonsense bust out an inflation calculator. They will shut up real quick.
3) Call the Retention Team
When you first sign up with your Internet Service Provider, you’ll often get a discounted rate. Then you’re completely shocked a year or two later when your bill basically doubles. Refuse to pay this amount. Call them and say “cancel service.” They’ll put you through to their retention team who will offer you a discount in order to stay.
If you get a phone call from the IRS, it’s not the IRS. They only contact people through the United Postal Service. There are lots of phone scams so be careful.
5) Call the Local Florist
Ordering flowers? Skip the national florist companies with the catchy phone numbers on TV. The national places just call local florists and take a cut of the money.
Wait until the end of the month to buy a car. It’s when salespeople will have to meet their montly quotas. They are more likely to give you a deal at this time.
7) The Sikh Will Feed You
If you are hungry and need a meal head over to a Sikh temple. Their langar will feed you. They offer a community meal for all their visitors without any discrimination of religion, caste, gender, economic status, or ethnicity.
8) Be Careful What You Say At The Car Dealership
Sometimes the car salespeople will walk out of their office so you can discuss the car dealership with your partner. Check their desk phone to see if their speaker light is on. If it is, they are listening to your conversation from somewhere else in the office.
9) Here’s Where To Get The Cheapest Pens
Are you constantly looking for pens? Buy them for pennies each. You can order a box of thousands of misprinted advertising pens for super cheap on Ebay.
10) How To Decide If You Should Buy It
Here’s how to decide whether or not you should buy something you don’t necessesarily need. Imagine you have the item in one hand and cash in the other. Which one do you want more?
11) Buy Rechargable Batteries
Do you use a lot of batteries? If so, you might want to invest in a battery recharger. Buy some rechargeable batteries and reuse them over and over instead of constantly buying expensive disposable batteries.
Before you ask for a raise, Google information on how to negotiate. Then make sure you have the right mindset. Don’t think of it as you’re begging for their generosity. Think of it as that they are customers who are buying your time.
13) Think Of Money In Terms Of Time
When you’re going to spend money, think about the time that will go into it. This will help you put your spending into perspective. If you make $10 an hour and you want a $150 coat, you’re going to have to work 15 hours for it.
14) Safeguard Your Grandparents From Scams
Make sure your grandparents know about the “grandchild scam.” Tell them to call you if they ever get a phone call saying they are you asking for money. There are scam artists who prey and a grandparent’s love for their grandchildren.
If you’re had the same Internet plan for a while take a look at your bill. You might be grandfathered in on a slower and/or more expensive plan. You’ll also want to do this for your cellphone plan.
16) Check Your Credit Card Reader
Before you use your credit card, try to see if the reader can be pulled away from the machine. If so, someone installed it to steal you information. People sneakily install these everywhere to steal people’s credit card info.
17) Hang Up When The Bank’s Fraud Department Calls You
You should hang up if your bank’s fraud department calls you. Especially if they are asking for money or your information. Just call them back on a number you know is legit to see if anythign is wrong.
18) Try Different Discount Codes
See a discount code that has the number of the percentage off in it? Try to up that number for a higher discount. You never know, you might get lucky.
19) Shop International For Spices
Need to shop for some spices, rice, beans, lentils or other universal items? Try shopping for this stuff in the international aisle or an ethnic food store. You’d be suprised to see how much cheaper international brands are.
20) Save On Your Electric Bill In The Off Season
Do your electric bills get high in the summer and winter? Make sure you save for them in the off seasons. This way you’ll have enough to pay the big bills when the time comes.
Looking to a buy new home? Make sure you check it out on a rainy day first. You’ll want to see how well the property drains before you make a purchase.
22) Don’t Get Lowballed On Your Used Car
Don’t tell the car dealership that you’re trying to sell your car to make money, because your moving, or any other reason to give them an advantage. They will lowball you if they think you’re desperate to sell. Tell them you’re looking to upgrade instead.
23) Check The Neighborhood During School Hours
Looking to buy a home in a neighborhood near a school? Make sure you visit the property at 8 a.m. and 3 p.m. You’ll want to see how noisy and crazy it gets during those busy times of day.
24) Set A Monthly Starbucks Budget
Do you overspend at Starbucks? Set a monthly budget for your café spending and buy a gift card for this amount so you won’t go over budget. Once you spend what’s on the card you’re budget for the month is up.
25) Don’t Go For The Clean ATM
If you see a row of dirty ATMs don’t go for the clean one. Thieves will intentionally steer people toward the clean ATM. It’s usually outfitted with a card skimmer.
26) Never Pay Full Price For Medication
Before you pay full price for medication, check the company’s
website. They’ll often have coupons. There’s also lots of websites, like Good RX or RX Saver, that will have coupons for all different kinds of medications.
27) Don’t Sign A With A Dealership If They Ask You To Re-Sign
Did your car dealership call you and say that there was a problem with your contract and you have to resign? Be wary and make sure they send you the new contract first. This way you can mark all of the changes and make sure there isn’t any funny business going on.
28) Buy A Car After It Rains
Looking for a used car? Make sure you check it out after it rains in case they buffed out scratches with WD-40. You’ll be able to see them when the rain washes it away.
29) Be Aware of Cheap Used Cars
Are you being offered a deal on a used car that seems too good to be true? Well, it might be. Dealerships will often buy flood damaged cars super cheap, clean them up, and resell them.
30) Easily Add To Your 401K
Want to add a little more to your 401K? Increase your contributions by 1 or 2 percent when you get a raise. The money will add up but it won’t make too much of a difference on your everyday wallet.
31) Save Your Money From Paid Off Debts
Are you done paying off your car? Continue to set aside the payment amount but put it into a savings account. You’ll be able to pay for car repairs and even your next car in cash.
32) Set Alarms For Your Warranties
Make calendar alarms for your warranties. Set them for one week before they go off. This way, you can check in to see if your product has any defects. You’ll have time to make the most of your warranty.
33) Shop Online And Wait For A Discount
Here’s a good trick to score a coupon on your online purchases. Log into the website and fill up your cart. Leave your stuff in the cart. The company will usually send you a discount code within a few days.
34) Check To See if A Chairity is Legit
Not sure if the charity you want to donate to is legit or not? If they are legit their IRS tax returns would be public and updated each year. If they don’t have one or won’t show it to you then they aren’t legit.
35) Never Write Happy Birthday On Mail
Do not write Happy Birthday on the outside of a letter or package. This will signal to thieves that there is a present inside. They’ll want to steal your cash, check, or gift card.
36) Take Pictures Of Your Rented Apartment Before And After You Leave
When moving into an apartment make sure you take time stamped pictures of everything, especially pre-existing damage. Do the same when you leave. This way your landlord can’t try to take your deposit or stick you with cleaning bills.
37) Don’t Head To Small Claims Court
Sometimes heading to small claims court isn’t worth it. You might be able to find some recourse by contacting your State Attorney General’s Office. Sometimes the company you’re disputing will make an effort to settle with you if you file a complaint with the AG’s office.
Never cash your change in at Coinstar. They will take a cut of the change you cash in. Take it to the bank instead. They don’t charge a fee.
39) Make A List Of Your Autopay Bills
Always keep a list of your bills that are on autopay. When you change your credit card number you’ll know which bills your need to switch your card over to. That way none of your bills will become overdue.
40) Don’t Get Scammed By Tax Resolution Companies
Do you owe less than $10,000 to the IRS? Don’t get scammed by a tax resolution company. The IRS will often have tax installment plans you can participate in for cheaper.
41) Separate Your Bank Accounts From Your Mortgage Lender
Never keep your checking or saving accounts at the same bank that is also your mortgage lender. Your mortgage lender can legally take funds from these accounts without your consent if you fall behind. This comes in handy if you lose your job and every penny counts.
42) You Can Get Your Taxes Filed For Free
Do you make less than $57,000? Don’t pay someone or a website to do your taxes. The IRS has a list of websites where you can file your taxes for free.
43) Stash Money In Your Car
It’s a good idea to stash $20 in your car. You’ll likely forget it’s there until you really need it. It also comes in handy if you forget your wallet at home.
44) Use Tax Returns To Pay Down High Debt
Did you get a nice refund on your taxes? Take that money and use it to pay debt with interest. Pay your higher interest debts first.
45) Ignore People Who Tell You To Spend
Is someone encouraging you spend beyond your means? You might not want to listen to that person. If you don’t feel like you can afford it, then you should follow your intuition.
46) By Your Wedding Ring Used
Are you going to propose? You might want to buy a used ring. You can try Pawn Shops and other sites to find a really nice ring for a better price.
47) Fool Companies Into Thinking You’re A First Time Customer
Want to get that first time customer discount? Add a plus sign to your email when you sign up for the discount. It fools companies into thinking you’re a first time customer.
48) Are You Paying Too Much On Your Cable Bill?
Know someone on a fixed income who isn’t super savvy when it comes to writing the find print? Help them out by going over their cable bills. They could be paying for more than they’re actually using.
49) Calculate Storage Unit Costs
Looking to get a storage unit? Calculate the cost of the items you want to store and then see whether or not that cost exceeds to the cost storage for the time you intend to keep it stored. It will help you decide whether or not a storage unit it worth it. You might want to just sell those items instead.
50) Hide Money In Your Phone Case
Stash some cash in the back of your phone case. It’s likely that you will always have your phone on you. So you’ll always have cash available in an emergency.
51) Make A Budget For Non-Essential Items
Instead of making big impluse buys, hold off on buying big non-essential items. Make a wish list and set aside money for these types of things. Hold off and wait until the item goes on sale. You’ll also have extra money to pay for it by the time it goes on sale.
52) Plan Times 2 For A Business
Want to start a business? Assume everything will be doubled to make sure you’ll have enough funding. This includes costs, and time.
53) Don’t Skimp On The Stuff You Use the Most
Don’t skimp and buy cheaper items when it comes to things you use constantly. You’ll want to pay for quality so it lasts longer. It makes sense to pay for high end mattresses and shoes since you spend a lot of time in them.
54) Look For A Lower Price
Purchasing from a local store makes sense in case you have to return your items. You might be responsible for shipping costs if you buy from the Internet. But if you shop local, make sure you check their app for lower prices. Some stores will even match lower prices of other websites or stores.
55) Get Your Hair Done At A Hairdressing School
You’ll save lots of money by getting your hair cut and colored at a hairdressing school. You’ll have students learning the latest techniques working on your hair for a fraction of the price. Their teachers are there to monitor their work and jump in if they need to.
Please SHARE this with your friends and family.
