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The Tips Library

Little ideas that save big.

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102 tips in Saving Money

Saving Money102

Always ask about discounts

Seniors, students, teachers, and military families often qualify for reduced tickets that aren't advertised.

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Ask about a home energy assessment

Many utility companies offer free or low-cost assessments and rebates on insulation and efficient appliances.

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Ask about time-of-use rates

If your utility charges less at off-peak hours, run the dishwasher, washer, and dryer in the evening or overnight.

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Ask for a price adjustment

Some retailers refund the difference if an item you bought goes on sale within a set window; keep your receipts.

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Ask the butcher

Many meat counters will grind, slice, or trim cuts for free, so you can buy a cheaper whole roast and have it cut to order.

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Attend free kids’ workshops

Home improvement and craft stores often host free hands-on building or craft sessions for kids.

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Borrow from a library of things

Many libraries now lend tools, board games, telescopes, and even cake pans free with a library card.

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Bubble-wrap basement windows

Mist the glass with water and press bubble wrap on, bubble side in; it adds insulation and peels off in spring.

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Buy family packs and portion them

Larger packs of meat often cost less per pound; divide into meal-size bags and freeze.

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Buy Halloween candy on November 1

Day-after clearance candy is perfect for holiday cookie decorating, gingerbread houses, and stocking stuffers.

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Buy produce in season

In-season fruits and vegetables are usually cheaper and taste better, such as apples and squash in fall.

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Buy spices in the international aisle

Spices sold there or at ethnic markets often cost a fraction of the same jars in the baking aisle.

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Buy the kitchen helper you’ll really use

A countertop convection oven heats faster and uses less energy than a full oven for a small meatloaf or a pan of vegetables. A vacuum sealer stretches the life of frozen food and keeps pantry staples fresh and pest-free. Buy the one you'll use every week, and it pays for itself.

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Check the community calendar

Cities, parks, and libraries post free concerts, festivals, and movie nights all year.

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Check the markdown section

Meat, bread, and bakery items near their date are often discounted; cook or freeze them the same day.

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Close the fireplace damper

An open damper lets heated air escape up the chimney whenever the fireplace isn't in use.

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Compare unit prices

The small per-ounce or per-count price on the shelf tag shows which size is really cheaper.

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Freeze cookie dough ahead

Make dough in November, scoop and freeze it, and bake fresh batches in December without the last-minute rush.

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Cook small meals in a slow cooker or air fryer

They use far less energy than heating a full-size oven for one dish.

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Cut phantom power

Plug TVs, game consoles, and chargers into a power strip and switch it off when not in use.

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Decorate with nature

Pinecones, evergreen clippings, and branches from the yard make free, festive table and mantel decor.

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Don’t skip the freezer aisle

Frozen fruits and vegetables are picked and frozen at peak ripeness, so they're often just as nutritious as fresh and won't spoil.

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Don’t trust the end caps

Displays at the end of aisles look like sales but often hold full-price items; compare with the shelf before grabbing.

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Do the math on memberships

If you'll visit a zoo, museum, or park often, an annual pass can cost less than paying admission a few times.

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Make dried orange garlands

Bake thin orange slices at about 200°F for 2–3 hours, flipping once, then string them for fragrant, nearly free decor.

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Enter ticket lotteries and rush lines

Many touring Broadway shows and concert halls sell discounted day-of seats through digital lotteries or rush tickets.

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Fill empty freezer space

A full freezer holds cold better; fill gaps with jugs of water, which also act as ice packs during an outage.

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Freeze food before it spoils

Bread, ripe bananas, and fresh herbs in olive oil all freeze well and save a trip to the trash.

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Give the gift of time

Homemade coupons for babysitting, a home-cooked dinner, or yard help cost little and mean a lot.

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Go geocaching

This free GPS treasure hunt uses a phone app to find hidden containers in parks and neighborhoods near you.

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Go meatless a few nights a week

Beans, lentils, and eggs make filling meals at a lower cost per serving than most meat.

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Go to matinees and discount days

Many theaters charge less for early shows and on a set weekday.

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Grab a basket instead of a cart

When you have to carry everything, you buy only what you came for.

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Grab cold and frozen items last

Keep an insulated bag in the car so they stay cold on the drive home.

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Hold a use-it-up night

Once a week, cook only from leftovers and what's about to expire before buying more.

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Host a potluck game night

Friends bring a dish and a board game for a fun evening that costs far less than dinner out.

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Host a regift exchange

Everyone brings something unused from home to swap, white-elephant style, for a fun party that costs nothing.

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Install a low-flow shower head

It cuts hot water use, lowering both water and water-heating bills, and most screw on by hand.

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Insulate drafty windows for winter

Clear shrink-film window kits seal out cold air for a few dollars per window and peel off in spring.

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Insulate exposed hot water pipes

Foam pipe sleeves on the first few feet from the water heater keep water hotter on the way to the tap.

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Keep a gift closet

Buy versatile gifts on sale throughout the year and store them for birthdays and holidays.

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Keep a price book

Track the lowest price you see for your 20 most-bought items so you know a real deal when it shows up.

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Keep a running total

Add up prices on your phone's calculator as you shop to stay on budget before you reach the register.

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Know Michigan’s scanner law

If an item rings up higher than the shelf price, Michigan lets you claim the difference plus a bonus of 10 times the overcharge (minimum $1, maximum $5); ask at customer service.

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Know what date labels mean

Except on infant formula, "best by" and "sell by" dates are about peak quality, not safety, so food is often fine after them.

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Freeze leftover tomato paste in spoonfuls

Drop tablespoon dollops on parchment, freeze, then bag them so you never waste a half-used can.

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Let the sun heat your home

Open curtains on sunny, south-facing windows during the day and close them at night to hold the warmth in.

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Load digital coupons before you go

Most store apps have weekly digital coupons you clip with a tap and that apply automatically at checkout.

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Look above and below eye level

Stores place pricier brands at eye level; better deals are often on the top and bottom shelves.

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Look for free museum days

Many museums and zoos offer free or reduced admission on certain days each month; check their websites.

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Military families: look for Blue Star Museums

Participating museums offer free admission to active-duty military families each summer.

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Mix your own seasonings and dressings

Taco seasoning, ranch mix, and vinaigrettes cost pennies to make from pantry staples.

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Never shop hungry

Eat a snack first; hungry shoppers reliably put more unplanned items in the cart.

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Open the egg carton

Check every egg for cracks and make sure none are stuck to the carton before it goes in the cart.

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Order for pickup

Shopping online for curbside pickup shows your running total and keeps you out of impulse aisles.

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Photograph your fridge and pantry

A quick photo before you leave shows what you already have, so you don't buy duplicates.

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Pick produce that’s heavy for its size

Citrus, melons, and tomatoes that feel heavy are usually juicier and fresher.

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Pack a picnic

A packed lunch at a park or beach beats restaurant prices and makes an easy outing.

QT Bird · qtbird.com/tips-library/

Plan meals around the weekly sale flyer

Build the week's menu from what's discounted instead of shopping for a fixed menu.

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Put lights on a timer

LED holiday lights on an automatic timer use far less electricity than incandescent strands left on all night.

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Reach to the back

Stores rotate older stock to the front, so the freshest dates on milk, bread, and yogurt are usually behind it.

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Regrow green onions in water

Stand the white root ends in a glass of water on a sunny sill and trim new greens as they grow for weeks.

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Request a rain check

If an advertised sale item is sold out, ask customer service; many stores will honor the sale price later.

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Reverse your ceiling fans

In winter, run them clockwise on low to push warm air near the ceiling back down into the room.

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Revive stale crackers and chips

Spread them on a baking sheet and heat at 350°F for about 5 minutes to make them crisp again.

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Rotate streaming services

Keep one subscription at a time, watch what you want, cancel, and switch to the next.

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Run full loads only

Wait until the dishwasher and washing machine are full, and let dishes air-dry instead of using heated dry.

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Save gift bags and tissue paper

Fold and store them after each holiday to reuse next year at no cost.

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Save scraps for free stock

Keep onion ends, carrot peels, and celery leaves in a freezer bag, then simmer them into broth when it's full.

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Seal drafts

Add weatherstripping and door sweeps; on a windy day, a hand or a lit incense stick near frames shows where air leaks in.

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Seal outlets on outside walls

Cheap foam gaskets behind outlet and switch covers on exterior walls stop cold drafts you didn't know you had.

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See college and community performances

Local theater, music, and dance shows are often low-cost or free and surprisingly good.

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Send digital cards

An e-card or a family email update with photos skips the cost of printing and postage.

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Set a gift budget and track it

Write a per-person amount and log each purchase so small buys don't quietly add up.

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Set fridge and freezer temperatures right

Keep the fridge at or below 40°F and the freezer at 0°F; colder than needed just wastes electricity.

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Set the water heater to 120°F

Many come set higher; turning it down saves energy and reduces the risk of scalding.

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Ship early

Mailing gifts well ahead of the carriers' cutoff dates avoids paying for expedited shipping.

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Shop after-holiday clearance

Buy wrapping paper, lights, and decorations at deep discounts in the days after the holiday for next year.

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Sign kids up for free summer bowling

Programs like Kids Bowl Free give registered kids free games at participating alleys during summer.

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Skip pre-cut and pre-shredded

Block cheese, whole carrots, and whole chickens cost less per pound than their convenience versions.

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Stock up at the lowest price

Staples go on sale in cycles; buy enough when prices bottom out to last until the next sale.

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Store fresh herbs like flowers

Trim the stems of parsley or cilantro and stand them in a jar of water in the fridge; they last up to twice as long.

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Store ornaments in a muffin tin

Each cup holds a small ornament safely, and old egg cartons work the same way for free.

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Suggest a gift exchange

For big families or office groups, drawing names means buying one nicer gift instead of many.

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Swap books and games

Trade with friends or use a little free library instead of buying new.

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Swap thrifted dish sets

Buy a set of dishes secondhand for a few dollars. When you're ready for a change, donate it and hunt for another set you love at a price you love.

QT Bird · qtbird.com/tips-library/

Switch to LED bulbs

LEDs use at least 75% less energy than old incandescent bulbs and last many times longer.

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Make the holiday meal a potluck

The host makes the main dish and guests bring sides and desserts, splitting the cost.

QT Bird · qtbird.com/tips-library/

Try store brands

They're often made to similar standards and typically cost noticeably less than name brands.

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Turn old cards into gift tags

Cut the fronts of last year's greeting cards into tags; punch a hole and add ribbon.

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Turn the thermostat back at night

Lowering it 7–10°F for about 8 hours a day can trim heating bills by roughly 10% a year (U.S. Department of Energy estimate).

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Use bulk bins for small amounts

Buy just the tablespoon of a spice or cup of nuts a recipe needs instead of a full package.

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Use your bank card for free museum entry

Bank of America's Museums on Us program gives cardholders free general admission at participating museums on the first full weekend of each month.

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Use your library card for more than books

Many libraries offer free ebooks, audiobooks, movies, and museum or park passes.

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Visit a bakery outlet

Bread company thrift stores sell day-old loaves, buns, and snacks at a steep discount, and they freeze well.

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Visit national parks on fee-free days

The National Park Service waives entrance fees on several days each year; check its website for current dates.

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Volunteer as an usher

Many local theaters let volunteer ushers watch the show for free after seating guests.

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Wash clothes in cold water

Most of a washer's energy goes to heating water, and today's detergents clean well in cold.

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Wrap celery in foil

It stays crisp for weeks in the fridge instead of going limp in a plastic bag.

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Wrap gifts in fabric

Tie gifts in scarves, tea towels, or fabric remnants; the wrap is reusable and becomes part of the gift.

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Wrap in brown paper

Plain kraft paper is inexpensive, and kids can decorate it with stamps or drawings.

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Write your list in store order

Group items by section (produce, dairy, frozen) so you move through once and skip impulse aisles.

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