100 Money Saving Tips for 100 Days + Free Printable Habit Tracker

Hey friend!

If you've ever found yourself overspending or needing to tighten your budget (trust me, we've all been there!), you're in the right place. This list of 100 money-saving tips is my go-to whenever my spending gets a bit out of control or when I simply want to refresh my financial discipline.

Think of this as a personal savings challenge—your mission, should you choose to accept it, is to apply one tip every day for the next 100 days. But here's the good news: you don't have to do it all for 100 days straight! Even picking just a few of these tips to implement can make a significant difference. You'll be amazed at how quickly these small daily actions add up.

I've personally managed to save thousands of dollars by just applying a few of these tips. It's motivating, practical, and honestly pretty fun to see your savings grow daily.

So, are you ready to embark on a journey to healthier spending habits and a fuller bank account? Let’s dive into the challenge and start saving money today!

Download this free printable and check off each tip as you put it into action!

Want to make sure you don’t lose it? Receive it by email by signing up below, or simply pin the image below to Pinterest so you can easily find your way back to this post.

Day 1–10: Food & Groceries

1. Cook at home instead of dining out.
2. Plan meals to avoid waste.
3. Pack your lunch instead of buying it.
4. Buy groceries in bulk.
5. Use grocery coupons and discount apps.
6. Avoid pre-packaged foods.
7. Buy seasonal produce.
8. Freeze leftovers for future meals.
9. Drink water instead of soda or juice.
10. Skip takeout coffee; make it at home.

Day 11–20: Utilities & Home Expenses

11. Unplug unused electronics.
12. Switch to energy-efficient bulbs.
13. Lower your thermostat slightly.
14. Take shorter showers.
15. Air dry clothes.
16. Regularly maintain appliances to keep them efficient.
17. Install low-flow faucets.
18. Seal drafts in your home.
19. Compare internet or cable providers for better deals.
20. Wash clothes in cold water.

Day 21–30: Transportation

21. Walk or bike short distances.
22. Carpool when possible.
23. Use public transportation.
24. Combine errands into fewer trips.
25. Keep tires inflated to save on gas.
26. Maintain your vehicle regularly.
27. Shop around for cheaper gas.
28. Use rewards cards at gas stations.
29. Avoid peak-hour travel.
30. Consider telecommuting.

Day 31–40: Entertainment & Lifestyle

31. Use free entertainment options like libraries.
32. Cancel unused subscriptions.
33. Have a movie night at home instead of the theater.
34. Opt for local, free events.
35. Practice hobbies that cost little or nothing.
36. Visit parks and nature reserves.
37. Try DIY gifts and crafts.
38. Host potluck dinners instead of dining out.
39. Use online tutorials for new skills instead of paid classes.
40. Swap books, toys, and games with friends.

Day 41–50: Shopping Habits

41. Shop second-hand.
42. Wait 24 hours before making big purchases.
43. Stick to a shopping list.
44. Use cashback and discount sites.
45. Shop during sales seasons.
46. Avoid impulse buys at checkout lines.
47. Choose quality over quantity.
48. Repair items rather than replacing.
49. Purchase generic brands.
50. Always compare prices online before buying.

Day 51–60: Personal Finance

51. Automate savings deposits.
52. Set financial goals.
53. Review and reduce bank fees.
54. Pay off high-interest debt first.
55. Track your daily expenses.
56. Avoid late payment fees.
57. Build an emergency fund.
58. Increase insurance deductibles if feasible.
59. Regularly review financial statements.
60. Use budgeting apps to manage finances effectively.

Day 61–70: Health & Wellness

61. Exercise at home or outdoors instead of gyms.
62. Buy medication in bulk.
63. Focus on preventive care.
64. Quit smoking or reduce alcohol consumption.
65. Choose generic medications.
66. Make homemade beauty and skincare products.
67. Get regular checkups to avoid costly treatments later.
68. Practice meditation and stress management.
69. Maintain a balanced diet to avoid expensive supplements.
70. Take advantage of employer health incentives.

Day 71–80: Travel & Vacations

71. Travel during off-peak seasons.
72. Use travel rewards credit cards wisely.
73. Opt for local trips or staycations.
74. Book flights early.
75. Use vacation rentals instead of hotels.
76. Pack snacks to avoid airport food.
77. Limit luggage to avoid extra fees.
78. Choose public transport over rental cars.
79. Use free city tours and museums.
80. Set a daily spending limit while traveling.

Day 81–90: Home & Garden

81. Start a vegetable garden.
82. Compost food waste.
83. DIY home improvement projects.
84. Buy perennial plants for long-term savings.
85. Reuse containers and jars.
86. Collect rainwater for gardening.
87. Rent tools you rarely use instead of buying.
88. Learn basic plumbing and repairs.
89. Shop sales for garden tools.
90. Use natural cleaning supplies.

Day 91–100: Miscellaneous Tips

91. Regularly negotiate your bills.
92. Check your credit report regularly.
93. Buy holiday items after the season.
94. Use online bill payments to avoid fees.
95. Sell unused items online.
96. Avoid expensive brand-name clothing.
97. Use refillable water bottles.
98. Host clothing swaps.
99. Take advantage of employee discounts.
100. Stay motivated by tracking your progress and celebrating milestones.

Other Money-Saving Challenges You Should Try!

Remember, saving money isn’t about perfection—it’s about progress, one small step at a time. As James Clear said in Atomic Habits, “Every action you take is a vote for the type of person you wish to become.” Each tip you follow brings you closer to a more financially confident and empowered version of yourself.

So, are you ready to take the first step and start your 100-day money-saving journey today?

Let me know in the comments—what’s the very first tip you’re going to try?