Save Money Fast (Up to $10K/Yr): The 14 Best Money Tips Ever

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Yes, it's payday! Then, reality hits. You're left with nothing after the bills. Now, it's time to save money fast… faster… fastest.

Believe it or not, there's a light at the end of the tunnel.

There are ways you can do to save money fast and not rely on your paycheck.

Some of the money saving tips here show:

…. how a survey taker made $4,000 in one month taking surveys on his free time

…. how another one made $615.56 in 10 days by putting in a few minutes every day

…. or what I used to make $1,550 in just 5 months

Seriously, the savings techniques in this post are so easy to implement that you wish you knew them before.

Save Money Fast (Up to $10K/Yr): The 14 Best Money Tips Ever 

Over the past couple of years, I managed to create and adopt some saving techniques, some of which helped me save money fast and earn money online and offline (a lot of it) and some…hmmm… not so much.

Let's do this.

1. Share your opinions and get paid (up to $115/hr).

“Save money fast” effectiveness meter: Extremely High for specific demographics

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I bet you've shared your opinions about food, movie, etc. I hope you get paid for doing that. If not, you might as well get paid to do that and save money fast.

Just share your opinions through surveys and earn money online. That's it.

For just a few minutes, you can make as much as $115/survey with Survey Club. Some made $50 taking a 30-minute survey. One even made $4,000 in a month with Survey Club (proof below).

Here's another proof:

Another one to try is Survey Junkie. Tia, a survey taker, made $615.56 in 10 days by taking surveys while on her break from taking care of her little kiddos.

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2. Save your spare change automatically.

“Save money fast” effectiveness meter: High

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You know you should be making all the effort in the world to save money, but saving isn't always easy.

Make it simple using Qapital.

Qapital is as simple as it gets, and you can use it even without lifting a single finger. (See image above for people's thought on Qapital).

But there's a catch, right?

Nope. It's straightforward. Every time you swipe your card, your purchase is rounded up to the next dollar. Your spare change will then be deposited in a savings account.

There's more:

If you want to take it into the next level, you can create ‘rules' – like a challenge – that help you save more when you meet the rules.

Click here to learn more about Qapital.


3. Use the app that made me $1,550.

“Save money fast” effectiveness meter: High

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Ever wonder if there's an app that pays you to do almost everything you do online? It turns out, there's one app that does that.


Whether it is reading emails, jumping from one site to another, watching YouTube, or something else, Swagbucks lets you earn money online.

The best, enticing part?

As a starter, you receive a $5 bonus for signing up. That's a no-brainer.

Here's a kicker:

I have made over $1,500 with Swagbucks in 5 months (see image above).

It doesn't take long before you can make money. Let's say, you could make money in less than 5 minutes.

Click here to start with Swagbucks for FREE.


4. Get paid to literally pass by a store. 

“Save money fast” effectiveness meter: High

shopkick reward

Imagine stopping by a store and getting rewarded. Isn't that sweet? It actually is.

Did you know that Shopkick will reward you to do just that?

But how?

Every time you walk into a Shopkick partner store (like Walmart and Target), you get kicks AKA points.

You can redeem your points for gift cards or merchandise. You can also earn extra points by scanning products and shopping in-store and online.

The best part?

If you are like me who goes to stores to buy groceries and other things, you are going to make some good rewards from Shopkick.

Click here to sign up for Shopkick for FREE.


5. Switch bank for crying out loud and make 1.55% (not 0.00000006%).

“Save money fast” effectiveness meter: Medium

cit bank

If you are being charged fees on your checking or savings account or getting close to zero interest from your savings, then, it's the time to switch banks.

It's the 21st century and online banks are in… for good reasons.

Like what?

For example, CIT Bank pays you 1.55% APY, which is over 25 times the national average of 0.06% (see image above).

Here's a story:

I switched from my Wells Fargo to CIT Bank last year. Now, I earn $1,800/yr on interest alone. It's money I don't have to work hard for.

Granted, I'm not going to be rich off saving money in the bank, but it's still free money that's good enough for a year's worth of grocery. Since there are no monthly fees, CIT Bank is a double win for me.

Click here if you want your money to grow with CIT Bank.


6. Get refunds on price drops.

“Save money fast” effectiveness meter: High

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Don't you just hate paying for full price when the price drops the next week?

When this happens, you better be using Paribus.

It is an app that scans your emails just for receipts. It will monitor the prices on these receipts, and when they do drop, it will automatically file a price adjustment claim for you.

It's that simple.

Try Paribus for FREE now. 


7. Save through automated, unnoticed investing (From zero to $2,000 in 7 months).

“Save money fast” effectiveness meter: High

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Investing is something you wouldn't think as one of the most clever ways to save money fast. But it is.

Do you know that about 61 percent of adults feel investing in the stock market is “scary or intimidating”? I was one of those people. So, I know that feeling.

Seriously, the stock market is where the money is.


If you are not comfortable with investing, Acorns is a great way to test the water. Plus, Acorns will give you a $5 sign-in bonus to make you feel comfortable. #cleverinvesting

Here's how it's possible:

You can invest as little as $0.01. Acorns rounds up your purchases and invest those cents based on your risk tolerance.

I've had Acorns for 7 months and my investment is already around $2,000, which started with cents.

Sign up and start with Acorns here.


8. Cut your expenses without sacrificing your needs.

“Save money fast” effectiveness meter: Top of the class

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Cut your expenses down or out and you'd save money fast. It's easier said than done though.

Believe me, it can be done easily. But how?

I recently found a simple, FREE personal finance app called Trim. I don't want to call it magic, but it kinda is one.

Here's how it works:

Trim will analyze your spending, find subscriptions to cancel, negotiate your bills, among others.

To date, Trim cut our Verizon phone bill by $16.75/mo. That's $201/year. Now, it's finding me a better rate for my car insurance.

Last month, subscribers saved over $1,000,000 with Trim.

Trim is a must for those who want to save money fast and still get the same level of benefit from their service providers.

Click here now to start using Trim.


9. Get a free 401(k) audit.

“Save money fast” effectiveness meter: High

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So, you are on your way to saving money for your retirement. Stop right there.

Do you know how much fees your retirement fund is getting charged?

Believe it or not, a slight increase in fees could cost you tens of thousands of dollars in the long run.

A friend of mine introduced me to Blooom. It is a product that analyzes your retirement accounts and shows you how much you pay and how much it will cost you in the long run.

Let's say, I saved $3,000 in the first year of using it, and the compounding savings I will get in the future is big (potentially close to $350,000 in 30 years).

Get your free 401(k) analysis now with Blooom.


10. Take control of your credit card debt.

“Save money fast” effectiveness meter: High

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Credit card debt is like a disease that doesn't go away easily.

For those who are ready to save money fast on their credit card debt, I recommend Tally.


Tally is your credit card debt concierge that helps you save money, manage your cards, and pay down credit card balances faster.

Tally analyzes your credit cards and credit history (without affecting your credit score) to ensure it's a fit for you.

If you qualify, you'll receive a Tally line of credit to pay off your cards with high APR balances – saving you significant amounts of cash by letting it make the right payment to the right card at the right time (with no more late fees).

Click here to start using Tally – your credit card debt concierge.


11. Get rewarded for anything you do (possibly $60 in a few hours).

“Save money fast” effectiveness meter: High

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Like Swagbucks, MyPoints, one of the highest paying apps, is your site for just about anything, and get paid, too.

Here's where it gets interesting:

It's a coupon site, survey site, browser, game site, etc. combined into one.

What's better is that MyPoints will not only get extra $5 for taking the first five surveys but will also give you a chance to earn $50 per survey.

The best part?

On top of that, just spend $20 or more and receive a $10 balance in your account.

Imagine this… you could literally earn over $60 (i.e. $5 bonus, $50/survey, and $10 for spending $20) in a few hours. That is amazing.

Click here to create your MyPoints account for FREE now.


12. Cook (We feed our family of 6 on a $150/mo food budget).

“Save money fast” effectiveness meter: High

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Saving money fast means cooking at home.

The heck? Seriously?

Based on statistics, food is the third biggest expense for Americans. Regardless of statistics, cooking at home is economical and healthier.

Cooking might be scary but there’s a solution to that, a solution to help you save money fast.

My family has been using PlateJoy for meal planning, and it is a game changer and money saver.

It is a service that sends a easy, yummy meal plan and shopping list per week for just $7/mo with coupon code PRACTICAL10. Each meal costs around $2 or less a person.

It’s one reason our grocery bill is just $150/mo for a family of 6. I could only imagine what our bill would look like without it. #couldbehorror

Start your 100% risk-free trial membership here with the PlateJoy Plan.


13. Invite friends over instead of going out.

“Save money fast” effectiveness meter: High

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This is a great way to cut down on cost and save money.


No one is saying you should be the cheapskate who always hoards money.

From time to time, instead of going out to bars where you’ll most likely spend a large amount on beer or going to expensive restaurants, you can invite your friends over to your house.

Here's a pro tip:

Some beer/soda, movies, and pizza are still an enjoyable way to chill with friends. It can also help you save a huge amount of money.

You might not believe this until you put it into practice. You’ll be surprised at how much you can save from staying in.


14. Start a garden.

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Starting a garden is a great way to save money if you have a yard.  This could go hand in hand with cooking.

How so?

In your garden, you can plant vegetables and fruits, which you can use in cooking, such as tomatoes, peppers, oranges and so on.

Having these necessary cooking items in your garden saves you the money you’d spend in getting them from the store.

The best part?

Asides from helping you save money, fruits and vegetables from your garden are often healthier than the ones you purchase from stores.

Don’t forget to save up money you usually use to purchase these items from the market/store when you start your garden.



15. Don’t be wasteful.

“Save money fast” effectiveness meter: High

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Wastefulness is the fastest way to kill off your progress on saving money.

So, what's the solution?

Store up leftovers in the refrigerator, wash plastic spoons and cups for reuse, don’t waste tissue paper, don’t eat more than you need and the list goes on. By not being wasteful, you’ll be saving yourself a lot of extra cash.

16. Coins as treasures

When I was in elementary, coins were treasures to me. I’d keep all the small coins I found on the streets, in my brothers and sisters’ pants’ pockets, and in some other places.

I’d do it all year long and by December, I had more than enough to buy me a toy or two.

Several decades forward, that’s still what I do. It works well for me. I keep all my change in a big jar and go to the nearest Coinstar station I can find at the end of the year to have my coins counted.

I’m always surprised how much I accumulate in a given year. In 2014, I saved a good $430 just from coins.

I like to continue the tradition with my daughter. Once she’s a bit older and knows what money is, I will teach her about the jar money technique.

Do you have any other savings techniques that work well for you and help you save money fast? How much did you save using these techniques?


  1. Brad, Financial Coach September 12, 2016
    • Allan Liwanag September 14, 2016
  2. Eden @ Mint Notion September 13, 2016
    • Allan Liwanag September 13, 2016