Not really a money saver, but I’ve been buying shampoo and conditioner bars. They often come in cardboard or paper wrapping instead of plastic containers like regular shampoo and conditioners. I enjoy the reduced plastic waste, and they don’t take up as much space in the shower.

The biggest bills are usually from heating and cooling. In the winter try to set your thermostat a few degrees lower and just use a blanket while you’re sitting watching TV or whatever. Usually if you’re up moving around doing housework or whatever being cold isn’t a problem.

Also if you have a hot water heater you can set it a few degrees lower and it won’t use as much energy.

• Learn to cook. Always eating out or getting takeout is expensive. You’ll also become healthier in the process.

• If you have a simple hairstyle, it’s possible to learn to cut it yourself or have your SO/spouse help. I bought an electric razor and a set of scissors for a total of $40 and have never gone to the barber since the pandemic started. I’ve probably saved thousands in haircuts by now.

• If you’re ok with eating the same food twice, cook enough food for double the amount of people at home, so you have enough leftovers for another meal, instead of having to cook again.

I know how to fix almost anything mechanical and I usually try to buy really high quality things when I can. It means spending more money up front, but things tend to last a lifetime and I don’t have to buy it again.

If you have a dishwasher, do NOT rinse things before putting them in. Just scrape off the bits into the bin. A big part of the efficiency of a dishwasher comes from not running more water or the water heater unnecessarily. If you rinse you might as well hand wash.

If you don’t own it, don’t pay for it. That’s one of my main principles and the motivation why I don’t pay for streaming services anymore. I also noticed that I wasn’t enjoying music and movies as much anymore anyway when it was in such high quantities. That’s just about saving money.

Other one is, I don’t buy anything of which i know of that it won’t work or keep much of its value anymore after several years. So I rarely buy anything with irreplaceable batteries, that basically ends up on the junk pile after 3 years.

Unless you live in Antarctica (in which case my advice probably won’t reach you anyways), instead of paying for heating all the time, just wear thicker clothing in your home. If common animals can survive even the outdoors of Oymyakon on account of their fur, the cold shouldn’t be any match for us pesky humans and our ability to improvise.

Buy from bulk stores and markets instead of bagged supermarket products.

Switch to soap strips instead of liquid detergent for laundry

Cook yourself instead of getting delivery

Use public transport and or bike

Buy local produce and fruits that are in season

tldr: Being mindful and trying to find new ways of using stuff that I already have before I go buy new.

I reuse. All those bigly plastic bags from 20+ toilet paper rolls - I use them at least as thrash bags. That’s like simplest one, but also for example when my clothes are beyond being deemed worthy of being sleepwear, they get cut into cloths to live on as cleaning utensils.

When something breaks I tend to try to repair it instead of getting new stuff. If that’s impractical or not possible, depending on a thing I disassemble it, and salvage what can be useful. Also by doing this I learn how stuff was made, which I liked to know since being a kid :)

I found europalletes and repurposed them to make my balcony space nicer (made flooring and a small bench out of them) I also ask people if they have spare construction materials, like bits of wood or stuff like that. There are fb neighbour groups in my area, and it makes so much sense to me to use what I can get in my projects. I rarely have a full-on plan/vision of the stuff I want to make. I much rather have a storage with random materials and stuff and play adult version of Lego with them.

When faced with obsolete electronics, I try to repurpose it and assimilate into little Borg of mine (how I like to call my little network). I learned java a bit to write small android app to decode amiibo NFC data to control the stuff around my flat when phone (placed under the tabletop) detected Pikachu statue my lights toggled. Such stuff.

I dunno if with me it’s less about saving and more about how to use things in different way and getting most out of stuff. A chipped cup can still be an awesome pot for your new plant friend. Broken cutlery knife can be helpful as a tool when you wouldn’t want to use proper knife.

That said. When I have to buy something, like hobby-related, or electronics so guitar, piano, home recording studio shit like that, also PC parts - I set myself a budget, read upon things available, do my research and order stuff for 110% of my initial budget. What I mean by this, we have a saying in polish - chytry dwa razy traci - sly/greedy loses twice - as in you buy cheap shit, it breaks, you have to buy new thing again. When I set on buying something it will take me months to do my homework, and also because of my upbringing, lessens the anxiety from spending money.

I wash and reuse ziploc bags until they get too many holes in them.

My thermostat has a setting which allows for a greater temperature swing. I have it set at 2*. With the temperature set at 68f the heat refill not come on until the temperature reaches 66f. This causes the heat to run longer but less frequently, which is more efficient than running in short bursts. I also have a setting which runs the fan for a few minutes after the heat stops which scavenges the remaining heated air out of the air ducts.

Ditch the car, live near transit, ride a bike.

An interesting realization was that “saving money” and “reducing waste” are often competing optimums. I live in the developing world where there people waste a lifetime sitting at home doing nothing to save money. I am one of two or three people in my neighborhood with a job – the rest “save tons more money than I do” but don’t have jobs so their real income after inflation is negative.

Anyway, I figure out what my time is worth (based on what I estimate I could earn by grabbing extra contract work). Then I don’t spend my time saving money unless it saves something at least comparable to my hourly rate, or it’s in a context where working would be impossible, or there’s a nontangible element (e.g. repairing a thing I like a lot).

I prioritize not wasting my time first (it’s the only resource I can’t buy more of), and spend most of my spare effort finding ways to make more money (I regularly cram-study 2-3 hours per day for this purpose, usually tech). Then with the extra money I make, I can save 80% of my income on a good month.

When I started this habit, I made about 135 USD per month and had zero savings. Even if I saved 100% of my earnings, it still amounts to essentially nothing – so it became obvious that the best way to save more money, was to earn more money. When I had a little money, I didn’t put it in the bank – I invested it in myself by buying tools to learn more things and provide more services to accelerate my gains.

Anyway it’s not the right advice for everyone, I’m just another fool like the rest of us, but I hope it’s maybe useful to someone out there.