How to Save $100 Every Month Using Simple Tricks

    Learn how to save $100 every month with simple, practical tricks you can apply today. From budgeting tips to smart shopping hacks, discover easy ways to boost your savings consistently.

How to Save $100 Every Month Using Simple Tricks

    Saving money can sometimes feel like a huge task, especially if your budget is already tight. But what if I told you that saving $100 every month doesn’t have to be hard? With a few simple, practical tricks, you can start building your savings without feeling like you’re missing out.

In this post, we’ll explore easy-to-implement strategies, real-life examples, and tips that actually work. By the end, you’ll have a clear plan to save $100—or even more—every month.

1. Track Your Spending First

Before you can save money, you need to know where it’s going. Most of us spend money without realizing how much small purchases add up.

How to do it:

• Write down every expense for one month—coffee, snacks, subscriptions, and groceries.

• Use a budgeting app like Mint, YNAB, or PocketGuard to automatically track spending.

• Categorize your spending into needs vs wants.

Example:
If you notice that you spend $5 every day on coffee, that’s $150 a month! Cutting back to $2 a day could save you $90 right away—almost your $100 goal.

2. Cut Unnecessary Subscriptions

Streaming services, apps, and memberships can quietly drain your budget.

Practical tip:

• Review all your subscriptions every month.

• Cancel the ones you rarely use.

• Consider sharing subscriptions with family or friends.

Example:
Maybe you have Netflix, Hulu, Spotify, and a magazine subscription. If you cancel one service, you might save $15–$20 immediately.

3. Cook More at Home

Eating out is convenient but expensive. Cooking at home saves money and can be healthier.

How to start:

• Plan your meals weekly and make a grocery list.

• Batch cook to save time.

• Use leftovers creatively instead of throwing food away.

Example:
If you usually spend $12 on lunch every day at work, cooking at home could reduce that to $4–$5. Over 20 workdays, that’s $140–$160 saved—well over your $100 goal.

4. Use Cash-Back and Rewards Apps

Many people overlook easy ways to save through cash-back apps and rewards programs.

Popular options:

• Rakuten or Honey for online shopping cash-back

• Credit card rewards (only if you pay your balance monthly)

• Grocery store loyalty programs

Example:
Buying $200 worth of groceries with a 5% cash-back card earns you $10. If you do this weekly, that’s $40 a month—almost half of your $100 goal.

5. Shop Smart and Avoid Impulse Buys

Impulse purchases can sabotage your budget. A little planning goes a long way.

Tips to shop smarter:

• Make a shopping list and stick to it.

• Wait 24 hours before buying something non-essential.

• Use price comparison tools or coupons.

Example:
You might see a new gadget for $50 and buy it on impulse. Waiting a day or comparing prices online could save you $50 immediately.

6. Lower Your Utility Bills

Utility bills can eat into your monthly budget, but small changes can save money.

Easy tricks:

• Turn off lights and unplug electronics when not in use.

• Adjust thermostat settings—use fans in summer and wear layers in winter.

• Take shorter showers and fix leaks.

Example:
Turning down your thermostat by 2–3 degrees in winter could save $10–$15 a month. Small changes like this add up quickly.

7. Make Your Own Coffee and Snacks

Coffee shops and vending machines can cost more than you think. Making your own drinks and snacks is an easy way to save.

How to start:

• Brew coffee at home or at work.

• Prepare healthy snacks like fruits or nuts instead of buying chips or candy.

Example:
If you spend $3 every morning on coffee, making your own saves about $60 a month. Pair that with homemade snacks, and you could hit your $100 goal easily.

8. Sell Things You Don’t Need

Decluttering your home can also declutter your budget. Selling unused items is like finding free money.

Where to sell:

• eBay, Facebook Marketplace, or Craigslist for electronics or furniture

• Poshmark or ThredUp for clothes

• Local garage sales

Example:
Selling old clothes or gadgets for $50–$100 a month is a simple way to hit your savings target without cutting your lifestyle.

9. Avoid ATM Fees and High Bank Charges

Bank fees are sneaky money wasters. Many people don’t realize how much they lose monthly.

Tips to save:

• Use your own bank’s ATMs.

• Switch to a fee-free checking account.

• Set up automatic transfers to savings to avoid spending temptation.

Example:
If you pay $3 per ATM withdrawal and withdraw twice a week, that’s $24 a month. Using fee-free ATMs can save almost a quarter of your $100 goal instantly.

10. Make Small Lifestyle Adjustments

Sometimes, small changes in daily habits can add up to big savings.

Examples of small tweaks:

• Walk or bike instead of driving short distances.

• Use reusable water bottles instead of buying bottled water.

• Cut down on alcohol or fancy drinks.

Example:
If you normally buy a $5 smoothie three times a week, switching to homemade smoothies saves $60 a month—more than half your $100 target.

11. Automate Your Savings

Automation is the easiest way to make sure your savings happen.

How to do it:

• Set up automatic transfers from checking to savings account on payday.

• Start with $50–$100 a month, even if it feels small at first.

• Treat it like a non-negotiable bill.

Example:
If you set up an automatic transfer of $100 every month, you’ll save consistently without thinking about it. Over a year, that’s $1,200.

12. Bonus: Combine Multiple Small Tricks

You don’t need to pick just one trick—combine several small strategies to reach your goal faster.

Example of a combination:

• Brew your own coffee: $60

• Cut one subscription: $15

• Use cash-back apps: $25

Total saved: $100 per month

Combining small changes makes the process manageable and sustainable.

Conclusion

    Saving $100 every month doesn’t have to be complicated. By tracking your spending, cutting unnecessary costs, cooking at home, and using small lifestyle hacks, you can reach your goal without feeling deprived.

Start with one or two strategies today and gradually add more. Remember, it’s not about making huge sacrifices—it’s about making small, consistent changes that add up over time.

Before you know it, $100 a month will become second nature, and you’ll have extra cash for emergencies, fun, or future investments.

Key Takeaways:

• Track your spending to see where your money goes.

• Cut unnecessary subscriptions and lifestyle expenses.

• Cook at home and plan meals.

• Use cash-back apps, rewards, and smart shopping strategies.

• Automate your savings for consistency.

By following these simple tricks, you can save $100 every month—or even more—without sacrificing your lifestyle.