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

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.

1. More Coffee Flavors – Keurig 

There are 3 problems with Keurig K-cups:

One, they’re expensive. Two, they’re bad for then environment. And three, 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.

Get the Reusable K pods on Amazon

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. 

Get K Pod Filters on Amazon

2. 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.

3. Step Away From Overthinking – 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 (maybe one of our favorite personal finance books!). 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.

4. 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.

5. 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. 

6. Spend Less On Data – Cell Phone Plans

With AT&T, we 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.

7. 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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