Here are a few simple, easy ways to save on personal expenses and make some extra money:

FINANCES

 Bank any unexpected or “windfall” money (but take some and get something you’ve always wanted to have or plan for something that you’ve always wanted to do; then bank the reminder).

If you have to use an ATM, only use those at your own bank to avoid service charges (if you’re able to; sometimes you have to use what’s closest).

Use cash as much as possible.

Buy printed checks from mail-order or online companies.

If you’re able to, try for a FREE checking account.

Prepare your own tax returns.

For those still employed, sign up for any automatic savings plans or deductions the company offers.

Open a savings account that compounds and pays interest daily.

If you use money orders, shop around. The charges vary (the banks tend to be the most expensive).

Keep a record of your spending to become aware of where your money goes.

FOR EXTRA INCOME

 At the end of each day, put aside all your loose change. Then deposit it regularly at week’s end. It adds up (especially pennies).

Have a garage sale.

Donate old clothes to a charity or one of the online thrift shops for a tax deduction.

Make craft items to sell at local, state, and county fairs.

If you have clerical skills, have a pleasant speaking voice, or both, you can work at home as an online office assistant, call center representative, online tutor, or an online content writer/producer for websites.

Kids who are old enough can work to earn extra cash-mowing lawns, running errands for neighbors, or pet sitting.

Sell old clothing, furniture, and other items through thrift or consignment shops

Cook meals for elderly people in your neighborhood. 

If you were good at a particular subject in school, or are currently a “mini-expert” on several topics, consider becoming a tutor at a local school, community college, or learning center.

 GENERAL 

Grow your own herbs (not necessarily “weed “!).

E-mail (or write) a fan letter to companies whose products you like; You may receive coupons, often for free items.

 Clean windows with newspapers instead of paper towels.

Go to the movies in the afternoon, instead of in the evening.

Enter all the contests you can, as often as possible as long as they’re FREE.

Dress up or add accessories to an outfit you already own instead of buying a new one.

Grow plants from seeds or cuttings to give as gifts.

 If possible, buy gifts and holiday decorations for the next season when they go on sale after the current holiday season ends.

Instead of eating out, buy take-out food and eat at home.

If you have just one or two (maybe three) pairs of underwear that need cleaning, use some dishwashing liquid and hand-wash them.

Get rid of unnecessary luxuries.

If feasible, use public transportation (it IS cheaper, but with that being said, not everyone enjoys riding and possibly dealing with masses of strangers. Use your own judgment).

Don’t buy on impulse.

Watch out for any “rent-to-own“; avoid them if possible.

Sew as much as possible. If you don’t know how, learn (It will come in handy).