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Anyone can save money. Just spend less of it—live on the bare minimum, live cheaply, and you’ll grow a small fortune in no time. But that’s no hack. 

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Hacks are exciting. Hacks make your life more efficient. Once you learn a hack, you wonder how you survived without the clever skill. 

So let’s learn some. Here are 11 Money Hacks you can start using today.

11 Money Hacks For Saving And Making Money Fast

1. More Coffee Flavors – Keurig 

There are two problems with Keurig K-cups:

One, they’re expensive. And two, your coffee selection is limited. Why limit yourself to 20 K-cup brands when there’s a cornucopia of coffee flavors waiting to be tasted? So let’s set up your Keurig to brew any and every coffee favor while saving money in the process. 

You’ll need to invest in two items:

1. Reusable K Pods: I use these pods every day. They’re dishwasher safe, super easy to clean, and are built to last. I’ve had mine for a little over a year, and they still look and feel brand new. They do have one downfall though: the mesh is very porous. If you don’t coarsely grind your coffee beans, grounds will slip through the mesh and into your coffee. But a coarse-grind coffee also results in a week cup of coffee—we don’t want that. That’s why you need item number 2.

2. K Pod Filters: These filters nestle perfectly into Reusable K pods to keep all unwanted grounds out of your coffee. With these filters, you are free to grind your coffee extremely fine so that each brew is flavorful and strong. 

That’s it. With this Keurig setup, every coffee bean is yours to taste at a fraction of the price. What’s more, you’ll also help the environment—no more plastic K-pods. Have fun becoming a coffee-by-the-cup coinsure. 

2. $10 For Grocery Shopping – Ibotta 

Grocery shopping is intolerable. Maneuvering through tight isles, having people stand directly in front of the food you need, choosing the slowest checkout line… it’s enough to irritate the Zen out of a monk. Luckily, Ibotta makes the trip a little more enjoyable for us all. 

Ibotta pays you *good money* to grocery shop. All you have to do is take a picture of your receipt, and virtual money is immediately deposited into your Ibotta account. 

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Next, redeem that Ibotta money for cold, hard cash. Grab yourself a gift card to Starbucks, GameStop, Olive Garden, or any of your other favorite locations for spending money, OR transfer your Ibotta money into your PayPal account. 

What’s more, when you download Ibotta using this link, a bonus $10 will automatically be deposited into your account after saving money on groceries for the first time. Not too shabby. 

Check out ALL the deets on the Ibotta app in our full review!

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3. $10 For Shopping Online – Ebates  

Having a secret, 15% off promo code while everyone else is paying full price feels devious and satisfying. 

So what if you knew every coupon code for every online retailer (Amazon, Vitacost, Turbotax)? And what if using those coupon codes meant being rewarded with bonus Cash Back? 

Ebates makes this possible. Ebates *automatically* applies coupon codes your online orders AND gives you free Cash Back. All you have to do is click Check Out, and free money will immediately appear in your Ebates account. 

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Here’s how to set up Ebates so that it works automatically. 

  1. Create your free Ebates account here
  2. **Download the Ebates button to your bowser** (This allows Ebates to work automatically)
  3. Watch every coupon code and cash back opportunity get automatically applied to every online order

One last Ebates surprise: when you create a free Ebates account here, $10 will be deposited into your account after your first shopping experience with Ebates. 

For more information on Ebates and how it works, see our full Ebates review.

Already have Ebates but always forget to use it? Download the Ebates Button here and start saving money automatically.

4. $5 Cash Back Rewards – Dosh 

Want to double-up on your credit card points?—or transform your debit card into a veritable Cash Back Rewards Card?

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Dosh, a free smartphone app, pairs to your cards and automatically collects Cash Back rewards as you swipe your card at one of their 1,000+ partnered locations: 

  • Walmart – 3% Cash Back
  • Target – 1.5% Cash Back
  • Walgreens – 6% Cash Back
  • Exxon Mobile – 2% Cash Back
  • Guess – 5% Cash Back
  • Patagonia – 6% Cash Back
  • Bed Bath & Beyond – 7% Cash Back
  • Jiffy Lube – 10% Cash Back

Download Dosh Here, and you’ll find a bonus $5 in your Dosh Wallet after linking your first card.

Worried about linking your card to Dosh? Find out all the deets on their extensive safety measures (including their 256-bit bank-level encryption technology) in our Dosh review.

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5. Get Paid To Walk – Sweat Coin

Start taking brisk walks around the neighborhood and you will:

And of course, you will save money! If you’re walking outside, you’re not watching TV (i.e. saving money on power) or eating because you’re bored. You’re being proactive with your health. Start walking now, and you will save tens of thousands in future medical bills.

But if your health and wellness isn’t enough of a motivator (no judgements, it wasn’t enough for me either), try SweatCoin.

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SweatCoin pays you to walk outside. The app tracks your location and uses your phone’s pedometer to track your steps and pay you money (1000 steps = $0.95). It’s a very productive way to put a little extra free money in the bank. 

Download the free SweatCoin app here and start getting paid for those steps!

Worried that Sweatcoin is a scam? Check out our full review for all the details!

6. Step Away From Reality – Read 

Step 1. Create a Goodreads account 

Step 2. Find a high-rated book with a synopsis you find interesting 

Step 3. Read it (or get the audiobook) for free* 

*Take a family trip to the library to get everyone their own library card. 

I can’t explain why a trip to the library is so gratifying… maybe it’s the sense of being productive… maybe it’s the feeling of being part of a  community… or maybe it’s because everything in the library is free. The computers are yours to use, the movies and documentaries are waiting to be watched, the CDs are yours to take home and download to your playlist, and the books and audiobooks are yours to read. 

Now, I understand if you’re not a fan of reading. But if you haven’t tried listening to a book, do yourself a favor and pick up an audiobook. They make is so easy to become completely immersed in another world, giving your mind a chance to forget about money, chores, stress, work, and everything else that’s been weighing you down. I know this sounds cliché, but it’s only because it’s true. Find a good book on Goodreads, check it out for free at the library, and I promise you won’t regret it.

7. The Exact Right Way To Spend Your Money – Budget

What is the most efficient way to spend your money? How do you pay the bills, become debt free, grow your savings, save money for retirement, AND still have a little stash of fun money to buy random stuff at the mall? 

The only way is to become hyperaware of your income and expenses. You have to budget

A budget isn’t some gimmick that tricks you into living on the bare minimum. When done correctly, a budget is a simple yet thorough representation of your monthly financial situation. It brings clarity to your money. The most efficient way to spend your money becomes glaringly apparent. You will know how to be responsible with your money, watch it grow steadily and consistently every month, become debt free, retire with the most money possible, and, most enjoy your money! So if you’ve ever wondered what your life would look like if you knew the exact right way to spend your money, consider starting budgeting.

A good first step? Try our Personal Finance Workshop: Roadmap to Financial Success. You will learn fundamental financial principles that aren’t necessarily common sense, but absolutely need to be part of your common knowledge. What’s more, we’ve tried to make it as fun and entertaining as possible so I guarantee you will have at least one laugh along the way.

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Learn more about our Personal Finance workshop, and take your first step towards enjoying your money to its fullest potential. 

How to stop living paycheck to paycheck free workshop

8. No Brainer Investment – Banking 

Your bank is paying you to bank with them—they are paying you interest on the money you have in your savings account. 

Do some bank shopping. See which banks are offering the highest interest rates and make the switch. 

9. Spend Less On Data – Cell Phone Plans

With AT&T, Nikayla and I pay $75/month for 20GB of data. If you want to drastically decrease the cost of your monthly cell phone bill and substantially increase your data, call your cell phone provider and ask them about their Prepaid cell phone plans. 

For more information on how we save so much money on phone service, check out our cheap cell phone plans article.

10. Everything is 2% Off – Credit Cards

You have two options when it comes to credit cards: you can either go into debt and pay a fortune in interest payments, or you can earn free money

We make $1,000+ every year with our credit cards. Our main card gives us 2% cash back on all purchases. Our travel card allots us free checked baggage and one free plan ticket every year. We also have multiple retail credit cards which offer huge cash back offers (the Express Next credit card offers 8% cash back on every purchase).

The secret to never going into debt with a credit card? Budget. You’ll spend your money the exact right way, every month which means you’ll never take on another dime of debt, ever again. Learn more about our Personal Finance Workshop here

11. Save On Shaving – Safety Razors

Guys, your Gillette, disposable razors heads are costing you a fortune. I’ve got the perfect, high-class shaving set up that will easily save you $100+ every year. 

Vikings blade:  I like this razor because you can switch out a blade in 5 seconds (compare that to other safety razors that require you to take the razor apart to replace the blade—a 45 second process). Plus it comes with a sweet carrying case. I’ve had mine for over 6 years, and it looks like new. 

Personna Double Edge Razor Blades: This box contains 100 blades, individually wrapped in paper, and made here in the USA. The shave is smooth and sharp, and each blade lasts me about 5 shaves each. That’s 500 shaves, almost 2 years’ worth of shaving,  for a cheap box of blades.

Alright, those are our FAVORITE money life hacks that help us save and make money right now!

Do you have any favorite money hacks you use every day? Let us know in the comments below!

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A budgeting fanatic and a frugal living lover! We want to share our budgeting techniques because of how much they have improved every aspect of our life! We teach the ultimate way to budget so you can save tons of money, eliminate debt fast, and achieve guilt-free spending!