Saving money doesn’t have to be hard. With a few small changes, you can keep more money in your pocket every day. Here are 20 simple and practical money hacks you can start using right away.

1. Use Cash Instead of Cards

Paying with cash helps you see exactly how much you’re spending. Leave your credit and debit cards at home and only use the cash you have.

2. Make a Shopping List

Always make a list before going shopping. It stops you from buying things you don’t really need.

3. Cook at Home

Eating out costs more than cooking at home. Try to cook most of your meals and pack your lunch for work or school.

4. Cut Out Daily Coffee Runs

Coffee shop drinks can really add up. Make your coffee at home to save money every day.

5. Find Free Entertainment

Look for free activities in your town like free concerts, outdoor movies, or library events.

6. Cancel Unused Subscriptions

Check for subscriptions you don’t use, like extra streaming services or gym memberships. Cancel them to save money.

7. Use a Budget App

Apps like Mint or YNAB can help you see where your money goes and help you save.

8. Buy Generic Brands

Store-brand items are often just as good as name brands, but cheaper.

9. Shop Secondhand

Thrift stores and online resale shops have great deals on clothes, furniture, and more.

10. Walk or Bike Instead of Driving

Save money on gas and parking by walking or biking when you can.

11. Use Coupons and Promo Codes

Look for coupons and online promo codes before you buy anything. Apps like Honey or Rakuten can help you find them easily.

12. Set Up Auto-Savings

Make saving automatic by setting up automatic transfers to your savings account every payday.

13. Unplug Electronics

Unplug things like chargers, TVs, and computers when you’re not using them to save on your energy bill.

14. Lower Your Thermostat

Turn your thermostat down by a couple of degrees in winter and up in summer to save on heating and cooling costs.

15. Drink More Water

Skip sodas and fancy drinks. Water is free (and healthier).

16. Wait Before You Buy

If you want to buy something, wait 24 hours. You might realize you don’t really need it.

17. Share Subscriptions

Split costs of streaming services with family or friends if the plan allows it.

18. Track Your Spending

Write down everything you spend for a week. Seeing it in writing can help you find ways to cut back.

19. Bulk Meal Prep for the Week

Buy groceries and cook meals in bulk. You’ll save time and most importantly money.

20. Use Rewards Programs

Sign up for store loyalty programs or cash-back apps. They give you money back or discounts on things you already buy.

Sage Summary

You don’t have to make huge changes to save money. By using these 20 daily money hacks, you can cut your spending and save more for what matters most. Try out a few today and see how much you can save. Let your money work for you and grow your savings little by little.