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EDUCATION LOAN
Housing
Set your thermostat lower
Unsubscribe from your cable TV service
Turn off the lights when not in use
Get a roommate
Live at home or with a relative
Entertainment
Eat out less frequently
Eat early and take advantage of happy hours
and early bird specials
Split or share meals with friends
Make your own lunch and bring it to work
Use restaurant coupons
Learn to cook dinner for yourself
Rent movies
Go to the movies in the afternoon rather than
in the evening
Visit local libraries, museums, and parks
Participate in sports
Read a book or hike a trail
Food
Use a shopping list
Use coupons
Compare prices
Buy in bulk
Don’t shop more than once a week
Don’t buy what you can’t or won’t use
Transportation
Utilize public transportation
Carpool with a friend or family member
Ride your bike or walk
Regularly have your oil changed and use coupons
for auto maintenance
Make sure your tires are properly inflated
Personal/Health
Exercise
Don’t smoke
Drink alcohol in moderation
Give yourself your own manicure and/or pedicure
Use coupons or take advantage of specials
for haircuts
Cancel unused club or gym memberships
Buy generic and OTC medications
Debt Payments
Stop using credit cards as a primary payment method
Pay off the full balance on each credit card at the
end of the month
Miscellaneous
Make a budget
Consider wants vs. needs
Don’t spend money to relieve stress
Avoid impulse purchases such as coffee or candy
Give homemade gifts or give the gift of service
rather than a retail item
STRATEGIES TO SAVE MONEY
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