This ” Save More Money and Be Richer By 14,000 A Year ” is based on my response to a reader’s question on how to save more money by doing simple activities. I would like to share this to all readers who are trying to save more and/or cut down their expenses. The activities I laid out here may or may not be applicable to you. This post contains affiliate links/ads. See disclosure policy

A couple of minutes after I published my 2nd income report where I detailed how I was able to earn over $1,400.00 on my 4th month of blogging, someone emailed me and asked me about saving (not really about my blogging income). He asked me what other things he could do to save more than what he is saving right now.

I like it when people come to me and ask me questions about saving. I am no expert or a certified financial planner. But what I do know is that in the past couple of years, I have been able to save a substantial amount of money through what I call saving explorations, trials, or experiments.

Of course, when it comes to experiments, I sometimes save money and sometimes I lose money. But that’s what experiments are (I guess). But in totality, I have saved more by experimenting new ways.

Here is what he wrote to me.

Hey Allan,

I came across your blog through Pinterest. I was really amazed how you tackled your $40,000 of debt and saved $70,000 at the same time. That was so amazing. You maybe are too busy and it’s probably a stretch but can I ask if you can share your thoughts on other ways of saving?

-Alonzo

He wasn’t the first one to write me about something. The truth is I like receiving this kind of email because it shows that people find value in what I do or what I blog about. For those who think that I don’t have any time answering your questions, the answer is I do have time and I make time. I like helping people even in my small ways.

Save More Money and Be Richer

Anyways, here are the ways you can easily adopt and be richer by XXX dollars in no time. The pointers or suggestions I will lay out here may or may not be applicable to you. In general, these will save you a ton of money or should I say make you XXX dollars richer?

Take surveys

Not all surveys are scam. That I am certain. My wife and I have been taking surveys for quite some time now. We earn $175.00 on average per month. In a given day, my wife will spend around 2-3 hours taking surveys. It does get boring when you take surveys constantly. Since my wife stays home, she is more than glad to take those surveys to make some money on the side (aside from helping me market my blog).

I recommend you try Vindale Research. According to my wife, this is one of her favorite. In one month, she made $45 and she knows she’ll make more.  Sign up for Vindale Research is FREE. After signing up and answering a short introduction, you’ll automatically get $2.00.

I cashed out $700 in December and that only covered 2 months. In total, I made at least $2,000 in a year. Here’s the proof.

If you ever want to increase your money with Vindale, you should refer your friends and family. Vindale pays $5 for every referral you made. In order to get that $5, your friend must use your referral code and must earn a verified balance totaling $1 or more. It’s as simple as that.

I also recommend you use Earning Station, which you easily earn $10 bonus after you sign up for 5 sites within Earning Station and it’s FREE to sign up. My wife and I make around $100-$150 every month using EarningStation.

In addition, instead of using Google, you can use Swagbucks as your search engine and get paid for doing that. It also has surveys, videos, promotions, and product offers, which you can try and earn some more dollars. My wife and I earn at least $40 a month in total, which is good enough for a month’s worth of car gas. Joining Swagbucks is FREE. If you sign up using my link, you will receive $5.00 bonus right away. Join Today

Here are some ways you can earn money:

Read:

Savings: $200 * 12 months  = $2,400.00 per year

be richer by at least $14000yearCut the cord

This fact may not be new to you but the monthly cost of cable is around $100, which is way too expensive anyways. If you want to save more money, the best place to start is your cable subscription, that is, completely cutting your cable. Buy a Roku for around $50 – $70 and subscribe to Hulu or Netflix for as low as $7.99. Or you can try JeeStream.


Jeestream – I’ve been using Jeestream and loving it. With Jeestream, you NEVER HAVE TO PAY TO WATCH AGAIN. Pay a little over $100 and that’s it. With Jeestream, you get more TV shows, movies, sports, non-US based shows, and radio stations than Hulu, Netflix, Amazon Prime, Apple TV, and Redbox combined. You can also watch premium shows like HBO, Showtime, pay-per-views, etc. It’s a great product that it has 30-day money back guarantee. If you don’t like it, send it back within 30 days, and you’ll get a refund.


Cable: $100 * 12 months = $1,200

Roku: $50 (one-time)

Hulu/Netflix: $7.99 * 12 months = $95.88

Savings: $1,054.12 per year

If you have Bing Rewards, you can earn points that you can redeem for Hulu rewards. If you do this, your savings will increase to $1,150.00. This is basically what my wife and I have been doing for the past 2 years. To earn rewards, just login into your Bing Rewards account and use Bing as your search engine.

Take note that there’s more to Bing Rewards than just Hulu rewards. You can redeem your points towards XBox digital, Starbucks, Amazon gift cards and more.

Cable: $100 * 12 months = $1,200

Roku: $50 (one-time)

Hulu/Netflix: $0.00 * 12 months = $0.00 (FREE)

Savings: $1,150.00 per year

Find other investment platforms

If you have an investment with XXX company and it charges an X% in fees, you may want to consider finding other companies that will charge even less. Don’t be afraid to scout because with the advent of the internet; there are companies that charge way too low of a fee every year.

I recently opened an account with Betterment. It’s fee starts at 0.15% per year. According to Forbes, the average fee (including mutual fund expenses and adviser fee) is around 2.1% annually. For example, if you have an investment of $100,000, yourwi annual expenses with Betterment is only $150/year versus $2,100/year with other investment companies.

There’s also another option if you don’t have enough money or don’t want to spend a lot of money on fees. Now, you can invest as little as $0.01 through Acorns. It will roundup your purchase and invest your spare change. It invests your spare change automatically. If you sign up via this link, you will get $5 BONUS. 

Read:

Savings: $1950.00 per year 

Cut down your cell phone bill

According to a report, users pay around $110/month for cell phone bill. That’s $1,320 for just phone bills. That’s a huge amount of money that could go to better use, in my opinion. With so many plans and big competition among carriers, you can surely find a plan that best fits your needs.

I have heard a lot of great reviews about Republic Wireless. I don’t have it only because I live in a rural area where reception is bad on just about any carrier. My sister has it and she loves it. With Republic Wireless, you get paid for cell data you don’t use. In addition, average members’ bill is around $13.83/month. You can’t beat that even with basic phone plans. Plans starts as low as $5/month

If you are using your phone for business, you may want to still check Republic Wireless for plans with the best business smartphones. It never hurts to try.

Other Carriers: $110 * 12 months = $1,320.00

Republic Wireless: $13.83 * 12 months = $165.96 (Really, this is a monthly bill for a lot of people)

Savings: $1,154.04 per year

republic wireless

Photo source: Republic Wireless

Here are some other carriers that cost less but can compete with the biggest carriers out there and may still provide your cellphone needs.

Reduce your insurance coverage

How to get cheaper auto insurance? That’s probably one of the questions you have in mind when it comes to trying to get better insurance rates.

There’s a rule of thumb that says that if your annual cost of full coverage insurance is at least 10% of the replacement value that you would receive from the insurance company, then, it is potentially a good idea to convert to a liability coverage.

For example, your car is worth $2,000 and you have $1,000 in deductible. After the deductible, the most you can get from your insurance is $1,000. If your premium is above $100 a year (10% of $1,000), then, it’s a good idea to get liability insurance.

This 10% thumb rule should be interpreted as a hard rule. You should always look into your ability to pay for repairs if accidents do happen and you only have liability coverage. In addition, you need to include your driving track record when you consider changing your insurance coverage.

Savings: $650.00 per year (That’s what I saved from switching from full to liability)

Save a little and increase it every week

When I saving while paying off my debt, one of the best saving strategies I employed was to incrementally save every week. What I did was I saved $4 in week 1, $8 in week 2, $12 in week 3, $16 in week 4, and so on. You see that there’s an incremental increase of $3 every week on top of the dollar amount from last week.

Discipline and dedication are key for this technique to work.

Savings: $4 (week 1) + $8 (week 2) …… + $208 (week 52) = $5,512 per year


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I took a chance and it paid off. I earned at least $5,049 in 3 months even though I’ve only been blogging for 5 months. For $3.95/month, you have little or nothing to lose but, potentially, a ton to gain.


Use coupons

Let me tell you this. Being able to save a ton of money using coupons takes practice and experience. Yes, practice and experience are key to successful couponing. When I started couponing, I only saved around $10 a week. Through reading posts about couponing, watching extreme couponing show, etc., I learned the tips and tricks on couponing.

Don’t be discouraged if you can’t seem to figure out how couponing works at the beginning. Take it easy and just have fun and you’ll soon learn the art of couponing.

I suggest that you buy coupons online instead of clipping as it will save you time and money. Here are the sites that I go to get my coupons:

The calculation below is based on my family’s budget (i.e. me, my wife, and my 3-year-old daughter):

Original grocery budget: $400 * 12 months = $4,800

Budget with the use of coupons: $200 * 12 months = $2,400

Savings: $2,400.00 per year

These are the things that I shared with Alonzo, and I hope that these will also help you in saving more money. What have you done to save more money? What simple things that you think can help other people save more money? Please let me know your thoughts and comments.

35 thoughts on “Save More Money and Be Richer By 14,000 A Year”

  1. These techniques are a great illustration of how lots of small gains and savings can add up to large sums in no time. I am getting closer and closer to cutting cable every month, but I love sports.

    1. If reception were good here, I would definitely get Republic Wireless. I live in a very rural place where reception (of any carrier) is close to inexistence.

  2. Hi Allan! Saw a post in pinterest about u & got curious… after reading this, I joined the survey & luckily Dubai is included in the list.. I’ll make fun out of taking surveys. Thank you!

  3. Nice ideas. Phone plans in the US are so much cheaper than Australia. We never had cable but haven’t cut the cord on Netflix. We are somewhat self-insured so are able to reduce the deductible for our house.

    1. That’s nice to know. I didn’t know that the cost of phone plans are cheaper here than there.

  4. Good advice. I think reducing your spending is the easiest step most people can take to improve their finances. Making more money is difficult, but saving money just requires a willingness to follow through.

    I especially like the insurance rule of thumb.

    1. I totally agree with your statement, that is, reducing spending is the easiest to do.

    1. Shopping around for insurance is really a must for us. Because by doing this, we are able to money. Sometimes, when you tell your insurance carrier that you are switching, it will offer you good rates to just stay with that company.

  5. Thank you for posting. I used to take surveys with acop.com (American Consumer Panels) years ago, but lost touch with them. I used your link to re-apply.

    1. Prepay is also a good option. I didn’t want to use prepaid because between me and my wife, the cost would be a little bit higher using prepaid one.

  6. Hello, Allan. I can appreciate many of the useful suggestions provided here……. but, I really need to know, what on earth are you feeding a family on $200/mo?! $400, even! I would cry if my food expenditures could become so low. (Out of extreme happiness, of course!) For a family of four(with a baby), with shopping sales and specials, and couponing, and nothing extraneous, we seem lucky to come in under $175/week. So really, I would like to know…what does $200/mo buy for feeding a family? And do you include you monthly paper product needs in that budget value?

    1. Hi, Alexandra,

      We eat just about what other people eat (i.e. meat, seafood like shrimp, chicken, etc.). We don’t eat junk foods or processed food because we find that it costs us a lot of more to do just than cook for ourselves. In addition, my wife and I grew eating what our moms cooked. So, we didn’t get use to anything processed food.

      Here’s how we budget our meals (on average):
      6lbs of chicken @ $1.99/lb – $11.94
      4 lbs of chicken thighs/drumsticks @ $1.88/lb – $7.52
      5 lbs of ground beef @ $2.89/lb – $14.45
      1 lb of Shrimp – $6.00 (on and off meaning sometimes we do have shrimp every week sometimes we don’t)
      Veggies and fruits – $8.00 (just because we have veggies planted)
      Breakfast (i.e. oatmeal, pancake, peanut butter, egg, bread, and milk) – $7.50 (roughly because our oatmeal, peanut butter, and pancake are something that we don’t buy every week but more like every 2 weeks).
      Misc food (i.e. flour and spices) – $5.00 (this is not an every week supply).

      Total – $60.00ish

      Please take note that those above do not include using coupons. They are just the average cost we have per week. So, you may ask what kind of food we can make out of these. We make egg rolls, chicken and mushroom, tortillas, pasta dishes and desserts since we have flour, beef patty, meat balls, and so many things.

      If we take into account all the sales and coupons, we end up around $45-$50ish per week. We buy a ton when there’s a sale. For example, we’ll buy a boat load of flour and chicken breast when there is a good sale.

      If you want more details, I can ask my wife to create a list of what we buy and what dishes she makes and I can forward it to you. Just please send me an email using the “Contact Me” page in my site. Thanks.

  7. Ok. You beat me at grow your own. We eat almost all vegetables and fruits..and those costs add up. Whether we buy at the supermarket or farmers market. I would guess at least $50. Meat is always a cost, too. Usually at least $25/week. At least $15 for dairy.. and About $40-$50 my budget covers our pet and paper products and cleaning supplies. we are the same, in terms of cooking from scratch. We eat oatmeal or eggs for breakfast every day. Eat leftovers for lunch, and cook meat and vegetables for Dinner. Do I guess the only thing I could really do is to grow my own (exception for bananas lol) and try harder to coupon for other products and not try to be a one stop shopper. I will say this…we have H Mart here in Philadelphia region. It is a Korean supermarket…and the prices are often exceptionally cheaper for produce. It’s just not easy to go there, as they have a parking lot that is too small for the popularity of the store. LoL Thanks or your reply!

  8. How are you getting free internet? You didn’t put that into your figure. I cut cable, but still have to pay $63/month for internet in order to use my Roku.

    1. I’m not getting free and I pay around $50 for internet each month. The post is more about where you can cut to save money. I couldn’t cut my internet because it’s already the second to the lowest plan the internet company has right now. If I go down to the cheapest, then, I wouldn’t be able to play Hulu because the plan or the internet speed is not designed for streaming.

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