10 Simple Changes You Can Make TODAY to Save Money

Changes You Can Make TODAY to Save Money | Budgeting | Home 101 | Money Saving Tips | Smart Money

This is a guest post from Kalyn of KalynBrooke.coms

Most of us brush off saving money because we find it too overwhelming. The truth is, it can be…especially if you’re tackling a big expense or trying to change everything right away.

But the key to saving money is not necessarily by taking on a huge project—it’s by focusing on a much smaller, more achievable one. It’s finding those extra savings that don’t really feel like huge sacrifices in the moment, but end up creating lifelong habits later on.

So instead of telling you to grow your own vegetables, stop Starbucks cold turkey, or extreme coupon until your closets are full, I want to suggest ten simple changes take literally 5-10 minutes each, and still have an instant impact on your bottom line. They probably won’t save you hundreds of dollars tomorrow, but over time, I promise they will make a big difference!

Changes You Can Make TODAY to Save Money | Budgeting | Home 101 | Money Saving Tips | Smart Money

1. Start Saving Loose Change

If you primarily use cash, one easy switch is to pay exclusively with bills, then set aside your change in a digital coin bank. I bet you already have a few coins lurking in your laundry room and behind the couch to get started! At the end of each month, or when the container is full, roll them in coin wraps and drop them off at your local bank.

I recommend storing these coins in a savings account so you’re less likely to touch it. Establish a financial goal—like paying off debt, saving for retirement, or funding a home remodel—then let it grow!

2. Adjust Your Thermostat

Whether you use heat, air conditioning, or both, adjusting your thermostat every time you leave the house or head to bed makes a pretty big difference in your overall bill. The Energy Information Administration found that 42% of home energy costs go to heating and cooling, so it’s essential to get this part under control!

You can adjust the temperature manually, or buy a programmable thermostat to do all the adjusting for you. During winter, lowering your temp will save more. During the summer, {especially with air conditioning}, higher is better.

Changes You Can Make TODAY to Save Money | Budgeting | Home 101 | Money Saving Tips | Smart Money

3. Take a Shorter Shower

I’ll be honest—I love a nice long relaxing shower, but when you really stop to think about it, it’s crazy how much water we waste {and pay for} all because we want to enjoy that spa-like experience!

Time the length of your normal shower, then try to shorten the length by a few minutes every day. Save even more by turning the water off to suds up with shampoo, conditioner, and body wash. If you always shave in the shower, fill the sink with warm water and shave there instead.

4. Swap Out One Cleaning Product

The absolute biggest way you can save on cleaning supplies is to make your own from scratch. White vinegar, borax, rubbing alcohol, baking soda, dish soap, and water literally cost just pennies a piece, and can do wonders when mixed in the appropriate measurements!

I don’t recommend you switch out everything right away—remember, we don’t want to get overwhelmed—so focus on the one bottle that’s closest to being thrown out. Ruth has a ton of great DIY cleaning recipes to help you get started.

Changes You Can Make TODAY to Save Money | Budgeting | Home 101 | Money Saving Tips | Smart Money

5. Repurpose Your Scrap Paper

Limiting paper use is not just good for your wallet, it’s essential for the environment too. Just think about how many pieces of paper you use, print, or handle in a given day. Paper is literally everywhere, including our landfills!

Besides being more conscious about what you print, it’s time to repurpose the paper you currently use. I have a stash of scrap printer paper available to print coupons, my weekly meal plan, and anything else that doesn’t require a professional printing. I also write lists on the back of junk envelopes, or cut scrap full-size papers into four quarters to use as notes.


Tackle these habits one at a time to be on your way to being budget savvy. Simply opt-in below to have the Budget Savvy Cheat Sheet sent straight to your inbox!


6. Cancel Memberships You’re Not Using

How often do you use Netflix, Hulu, Amazon Prime, or Sling TV? What about the gym membership you bought in January, or the magazine subscription you never have time to read? Comb through your credit card and/or bank statement and highlight everything that comes out automatically, then reassess to see if you really need them.

Chances are, you probably don’t…or at least not that many!

Changes You Can Make TODAY to Save Money | Budgeting | Home 101 | Money Saving Tips | Smart Money

7. Sign Up for Birthday Freebies

Many restaurants offer free food on your birthday if you sign up for their email list. The best part is, the coupons they send are valid for your entire birthday month—that means you could eat for free all month long, and at a variety of restaurants!

You want to sign up for these at least thirty days before your birthday to be eligible, then print and keep on hand to enjoy free stuff throughout your birthday month. You can find an extensive list of birthday freebies HERE.

8. Eat the Leftovers Already in Your Fridge

Instead of grabbing takeout, dig through your fridge or freezer and eat a plate of leftovers…pending they’re still good, that is!  One of my tricks is to freeze individual leftovers rather than sticking them in the fridge. This is particularly helpful if we have something like extra biscuits or soup, because we can just freeze the rest for another busy night.

Another thing I like to do is warm up leftovers on the stove or in a convection oven. It seems to revive refrigerated food a lot better than the microwave!

Changes You Can Make TODAY to Save Money | Budgeting | Home 101 | Money Saving Tips | Smart Money

9. Unplug Your Unused Appliances

Take a minute to look around your house…is your toaster oven plugged in? What about lamps? Maybe a phone charger…or two? It takes just a few minutes to plug and unplug these items, and though one appliance might not make that big of a difference, a handful of them most definitely do!

Make it a habit to unplug your kitchen appliances when not in use, and put away your chargers when you don’t need them. If you have a bunch of cords in the same general area, grab a surge protector that you can easily switch on and off.

10. Swap Your Light Bulbs

Another simple change is to switch out all incandescent bulbs after they burn out with CFL bulbs. These bulbs work at partial capacity, which means they use 75% less energy, and last ten times longer than normal bulbs. Even though CFL’s are more expensive than incandescent bulbs, their long life span makes the switch more than worth it.

Dimmable CFL’s can save even more, but make sure the package says dimmable before trying it. Many CFL’s are surprisingly not!

Once you see the amazing transformation these simple changes have on your budget, you might just find you can’t stop. That’s a good thing! It means you’re ready for more.

These tips are just a small sampling of what you’ll find in my book, 31 Days to Radically Reduce Your Expenses. If you want to go even deeper and radically improve your finances, this book is your go-to resource!

Changes You Can Make TODAY to Save Money | Budgeting | Home 101 | Money Saving Tips | Smart Money

31 Days to Radically Reduce Your Expenses walks you through every part of your budget, and gives you the tools and resources to change your expenses for the better…even if you already think they’re as low as they can go. Consider this your personal roadmap to find more money at the end of every month, make lasting change, and start saving for what truly matters!

Saving money isn’t about just making changes today, or even this month…it’s about making changes for life. I hope you’ve been inspired to turn one of these simple changes into a lifelong habit!


Kalyn Brooke is a life management expert for busy women who crave a simpler and more organized life. Through her recognizable, down-to-earth approach, she provides a daily dose of inspiration and guidance, whether you’re looking for smart money tips, time saving routines, or anything in-between. When she’s not experimenting with ways to do even the most mundane tasks more efficiently, you can find her crafting detailed to-do lists in her bullet journal, or indulging in—yet another—personal development book. Meet Kalyn and learn how stay on top of it all at

Changes You Can Make TODAY to Save Money | Budgeting | Home 101 | Money Saving Tips | Smart Money


  1. April 11 at 11:55AM

    Awesome tips! I love taking super long, hot showers, too (to the point that, when I was a teenager, my dad would limit my showers to 30 minutes and then turn off the water at the heater to prevent me from using all the hot water).

    One thing that helped us save was changing the shower head to reduce the flow. Also, turning down the temperature (even just a few degrees) can have a significant impact on your utility bills.

  2. April 11 at 03:40PM

    Utilities is included in my rent, so some of these don’t apply to me. I really like the perk of having utilities included in rent so that you don’t have to be so conscious of your usage. I am probably still paying my fair share through the rent, but not having to nickel and dime it gives me one less thing to worry about.

    • April 14 at 05:59PM

      Having utilities included in your rent is such a great way to save! Then you don’t have to worry about usage at all….although your landlord would probably say something if it was excessive. 😉

  3. Dawn
    April 12 at 06:31PM

    We actually replaced all our bulbs last month with led bulbs. They look the same but the wattage is a little less(8 instead of 8.5) and they come on right away instead of waiting for them to brighten. I love them. A big difference I find was to also unplug my cable box. I can’t in the living room(dvr box) but we don’t watch allot in the bedroom. The only issue is it takes a few minutes to update, xfinity. Since the other family adults vetoed canceling cable, each year I call them to say I want to cancel and they immediately find me a new discounted package. Must be done yearly but worth the extra $20-$30 off a month!

  4. April 13 at 01:23PM

    What great tips!

    I try to always remember unplugging our appliances too, especially our cell phone chargers!
    I agree with saving change…we have a jar that has actually made us some extra cash just by being placed in the laundry room where most of our loose change is found 🙂

    Thank you for the post

  5. April 14 at 07:43AM

    Some great tips here thanks for sharing! Going through old items of clothing & jewellery is a good idea as well as sometimes its easy to forget something that hasn’t been worn in ages. & it saves on going out purchasing new items!

  6. April 16 at 01:26AM

    Love these ideas & am already using many of them. Thanks for the list!

  7. April 16 at 12:53PM

    These are great tips. I need to work on shorter showers – that’s a tough one for me! I use the backs of all scrap paper. In fact, I was just printing my next unit of Elite Blog Academy on the backs of paper. Saves a lot!

    Happy to see you on this site, Kalyn. I like your blog too!

  8. Jeannie
    April 16 at 02:28PM

    All of my utilities are included in my rent (what a blessing that is!!). But that being said, I still try to be conscientious about usage because someone has to pay and my rent is VERY reasonable, so I don’t want to overburden the homeowner. It only takes a second to turn off a light or lower the thermostat.

    • Gina
      October 26 at 05:57PM

      You are so thoughtful ☺️

  9. May 9 at 07:49PM

    Canceling unused subscriptions is the BEST advice above. It’s so easy to get sucked into small monthly fees for something you never end up using. Almost every single show I use Hulu to watch I could get for free and yet I still have a membership! I need to do something about that, this is a nice kick in the butt…thanks!

  10. May 12 at 10:20PM

    Another great read! Sometimes the smallest changes can make a big difference for your finances! We have similar tips at!

  11. Alissa
    June 13 at 07:58PM

    I have always had such a hard time saving money, esp these days because I’m a server and always have cash on hand. I recently stumbled upon a genius app and just want to tell you guys that I’ve already saved $38.90 I know it may not sound like much but to me- it’s major!
    This app is called Digit and it’s a game changer. They calculate the trends within your acct and only save what you can afford. It’s totally free and they also guarantee the transfers they save will never cause an overdraft. I think it’s genius and have been sharing this discovery with all my friends since. (and NO, I do not work for them.
    I am not getting paid anything for writing this and I am def not one of those creepy spammers.. I’m just really loving this app and so are all my friends)

  12. October 18 at 08:28PM

    Thanks for the great share! I also like the idea of Home Energy. The best part I like is this: The reliability and availability of modern energy sources cause people to tend to assume that it will always be accessible. And as for the case of non-renewable energy sources, most people do not know or maybe even refuse to accept that it will eventually run out.

  13. June 8 at 08:30AM

    Some brilliant ideas here! Definitely agree that cancelling unused subscriptions needs to be done, something we are all probably a little guilty of!

  14. August 21 at 11:57AM

    I was looking for something like this.I found it quiet interesting, hopefully, you will keep posting such blogs.Keep sharing.

  15. September 29 at 05:18AM

    Love these tips and so glad I stumbled across this post. Thanks

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