21 Days to $500

With the right insider info, you can save money without having to give up the stuff you love. Check out our top tips below!

Week 1: Around the house

  1. Cut the cord. Services like Sling TV have fewer channels than premium cable packages, but can also be about half as expensive. Savings per month: $60
  2. Save by swapping a dinner out with a home-cooked meal. (You can probably save on calories, too.) Savings per month: $180
  3. Home improvements can slash monthly utility bills. Replace incandescent light bulbs with more energy-efficient CFL bulbs. Savings per month: $2
  4. Use Honey, a free browser extension, to save on household supplies, such as liquid soap. Save even more by buying in bulk. Savings per month: $3

Doesn’t saving feel good? You’re just getting started. Check out these money-saving basics.

Week 2: On the Go

5. If you take public transit to work, buy a monthly pass instead of single-ride tickets. Savings per month: $35

6. Public transit isn’t an option? Carpool or take a Lyft Line to reduce ridesharing costs. Savings per month: $25.50

7. Need coffee to wake up? Brew at home to save big without sacrificing your caffeine fix. Savings per month: $76

8. Save on takeout meals: Stores like Costco or websites like Gift Card Granny sell gift cards for less than face value. Savings per month: $20

A budget isn’t magic (but it’s good for you). Read more about the popular 50/30/20 budget.

Week 3: Out on the Town

9. Going out to eat? Check for a discount. Review sites like Yelp and OpenTable often offer discounts for specific days and even offer loyalty rewards programs for booking in advance. Savings per month: $20

10. Get your dose of culture on free museum admission days. Savings per month: $15

11. Set a budget for your big night out and bring that amount in cash — and leave your credit and debit cards at home. Savings per month: $12.15

12. Instead of both dinner and drinks with friends, suggest limiting your meeting to a couple of drinks only. Savings per month: $26

Whether you’re saving for a vacation or rainy-day fund, save smarter with a high-yield savings account.

Week 4: Getting Fit

13. Score free fitness classes by offering to work the front desk at your local gym. Savings per month: $45

14. Fitness apps are available 24/7 and tend to be cheap or free, two things you can’t say about Sven the Personal Trainer. Savings per month: $260

15. Say no to soda. Swapping water for sugary, carbonated drinks is great for your waistline and wallet. Savings per month: $21

16. Save money and get motivated by joining a free neighborhood workout group. Savings per month: $80

Saving for the future is essential. Ensure you’re on the right track with our retirement calculator.

Week 5: Treat Yourself

17. Make over your wardrobe on thredUP, an online secondhand clothing store. Savings per month: $94

18. Heading out of town? Book a room on HomeAway, which can be cheaper than staying at a hotel. Savings per month: $62

19. Be spontaneous — wait until game day to buy tickets. Procrastination could reward you with a steep discount on seats. Savings per month: $23

20. Check for credit card deals. Visa Signature, for example, offers discounts at wineries for groups, so take a trip with a friend. Savings per month: $18.50

21. Try a DIY spa day by giving yourself a manicure and pedicure at home instead of visiting a salon. Savings per month: $43.75

Time to make your money work harder. Here’s how to invest the funds you’ve saved.

Spot your saving opportunities

See your spending breakdown to show your top spending trends and where you can cut back.