![saving money](https://media.morninghoney.com/brand-img/zNujv5CaB/480x251/saving-money-1692745076319.jpg 480w, https://media.morninghoney.com/brand-img/zNujv5CaB/640x335/saving-money-1692745076319.jpg 640w, https://media.morninghoney.com/brand-img/zNujv5CaB/768x402/saving-money-1692745076319.jpg 768w, https://media.morninghoney.com/brand-img/zNujv5CaB/1024x536/saving-money-1692745076319.jpg 1024w, https://media.morninghoney.com/brand-img/zNujv5CaB/1280x670/saving-money-1692745076319.jpg 1280w, https://media.morninghoney.com/brand-img/zNujv5CaB/1440x753/saving-money-1692745076319.jpg 1440w, https://media.morninghoney.com/brand-img/zNujv5CaB/1600x837/saving-money-1692745076319.jpg 1600w, https://media.morninghoney.com/brand-img/zNujv5CaB/2160x1130/saving-money-1692745076319.jpg 2160w)
How to Be Richer One Year From Now: Simple Ways to Build up Big Bucks
Unemployment, prices and taxes are all going up, but you can beat the increases — by following these simple penny-pinching tips.
1. Take your lunch to work.
![pack lunch](https://media.morninghoney.com/brand-img/0xUg_AR90/480x252/pack-lunch-1692745167206.jpg 480w, https://media.morninghoney.com/brand-img/0xUg_AR90/640x335/pack-lunch-1692745167206.jpg 640w, https://media.morninghoney.com/brand-img/0xUg_AR90/768x402/pack-lunch-1692745167206.jpg 768w, https://media.morninghoney.com/brand-img/0xUg_AR90/1024x536/pack-lunch-1692745167206.jpg 1024w, https://media.morninghoney.com/brand-img/0xUg_AR90/1280x670/pack-lunch-1692745167206.jpg 1280w, https://media.morninghoney.com/brand-img/0xUg_AR90/1440x754/pack-lunch-1692745167206.jpg 1440w, https://media.morninghoney.com/brand-img/0xUg_AR90/1600x838/pack-lunch-1692745167206.jpg 1600w, https://media.morninghoney.com/brand-img/0xUg_AR90/2160x1131/pack-lunch-1692745167206.jpg 2160w)
Eating out adds up.
2. Clip coupons!
![coupons](https://media.morninghoney.com/brand-img/IkN0-u1z_/480x252/coupons-1692745617627.jpg 480w, https://media.morninghoney.com/brand-img/IkN0-u1z_/640x335/coupons-1692745617627.jpg 640w, https://media.morninghoney.com/brand-img/IkN0-u1z_/768x402/coupons-1692745617627.jpg 768w, https://media.morninghoney.com/brand-img/IkN0-u1z_/1024x536/coupons-1692745617627.jpg 1024w, https://media.morninghoney.com/brand-img/IkN0-u1z_/1280x670/coupons-1692745617627.jpg 1280w, https://media.morninghoney.com/brand-img/IkN0-u1z_/1440x754/coupons-1692745617627.jpg 1440w, https://media.morninghoney.com/brand-img/IkN0-u1z_/1600x838/coupons-1692745617627.jpg 1600w, https://media.morninghoney.com/brand-img/IkN0-u1z_/2160x1131/coupons-1692745617627.jpg 2160w)
You'll be astounded by how much money you can save at the grocery store each week.
3. Watch for the expiration date stamped on dairy products.
![dairy](https://media.morninghoney.com/brand-img/sHx76TfrQ/480x252/dairy-1692745771678.jpg 480w, https://media.morninghoney.com/brand-img/sHx76TfrQ/640x335/dairy-1692745771678.jpg 640w, https://media.morninghoney.com/brand-img/sHx76TfrQ/768x402/dairy-1692745771678.jpg 768w, https://media.morninghoney.com/brand-img/sHx76TfrQ/1024x536/dairy-1692745771678.jpg 1024w, https://media.morninghoney.com/brand-img/sHx76TfrQ/1280x670/dairy-1692745771678.jpg 1280w, https://media.morninghoney.com/brand-img/sHx76TfrQ/1440x754/dairy-1692745771678.jpg 1440w, https://media.morninghoney.com/brand-img/sHx76TfrQ/1600x838/dairy-1692745771678.jpg 1600w, https://media.morninghoney.com/brand-img/sHx76TfrQ/2160x1131/dairy-1692745771678.jpg 2160w)
Items with the latest dates stay fresher longer, so you'll waste less.
4. Don't go to the grocery store hungry.
![grocery shopping](https://media.morninghoney.com/brand-img/UqGT2KXo2/480x252/grocery-shopping-1692745811908.jpg 480w, https://media.morninghoney.com/brand-img/UqGT2KXo2/640x335/grocery-shopping-1692745811908.jpg 640w, https://media.morninghoney.com/brand-img/UqGT2KXo2/768x402/grocery-shopping-1692745811908.jpg 768w, https://media.morninghoney.com/brand-img/UqGT2KXo2/1024x536/grocery-shopping-1692745811908.jpg 1024w, https://media.morninghoney.com/brand-img/UqGT2KXo2/1280x670/grocery-shopping-1692745811908.jpg 1280w, https://media.morninghoney.com/brand-img/UqGT2KXo2/1440x754/grocery-shopping-1692745811908.jpg 1440w, https://media.morninghoney.com/brand-img/UqGT2KXo2/1600x838/grocery-shopping-1692745811908.jpg 1600w, https://media.morninghoney.com/brand-img/UqGT2KXo2/2160x1131/grocery-shopping-1692745811908.jpg 2160w)
Fill up before you shop. Food will look less appetizing and you won't buy more than you need.
5. When grocery shopping, always watch the cash register for mistakes.
![check receipt](https://media.morninghoney.com/brand-img/hbAJKien_/480x252/check-receipt-1692745851617.jpg 480w, https://media.morninghoney.com/brand-img/hbAJKien_/640x335/check-receipt-1692745851617.jpg 640w, https://media.morninghoney.com/brand-img/hbAJKien_/768x402/check-receipt-1692745851617.jpg 768w, https://media.morninghoney.com/brand-img/hbAJKien_/1024x536/check-receipt-1692745851617.jpg 1024w, https://media.morninghoney.com/brand-img/hbAJKien_/1280x670/check-receipt-1692745851617.jpg 1280w, https://media.morninghoney.com/brand-img/hbAJKien_/1440x754/check-receipt-1692745851617.jpg 1440w, https://media.morninghoney.com/brand-img/hbAJKien_/1600x838/check-receipt-1692745851617.jpg 1600w, https://media.morninghoney.com/brand-img/hbAJKien_/2160x1131/check-receipt-1692745851617.jpg 2160w)
Check your receipt carefully.
6. If you wear glasses, ask your optometrist if they can fit new lenses into your old frames.
![glasses](https://media.morninghoney.com/brand-img/XCapNvvHs/480x252/glasses-1692746043861.jpg 480w, https://media.morninghoney.com/brand-img/XCapNvvHs/640x335/glasses-1692746043861.jpg 640w, https://media.morninghoney.com/brand-img/XCapNvvHs/768x402/glasses-1692746043861.jpg 768w, https://media.morninghoney.com/brand-img/XCapNvvHs/1024x536/glasses-1692746043861.jpg 1024w, https://media.morninghoney.com/brand-img/XCapNvvHs/1280x670/glasses-1692746043861.jpg 1280w, https://media.morninghoney.com/brand-img/XCapNvvHs/1440x754/glasses-1692746043861.jpg 1440w, https://media.morninghoney.com/brand-img/XCapNvvHs/1600x838/glasses-1692746043861.jpg 1600w, https://media.morninghoney.com/brand-img/XCapNvvHs/2160x1131/glasses-1692746043861.jpg 2160w)
It can easily save you hundreds.
7. Keep a bottle of drinking water in the refrigerator.
![drinking water](https://media.morninghoney.com/brand-img/vMUiL1FT2/480x252/drinking-water-1692746535734.jpg 480w, https://media.morninghoney.com/brand-img/vMUiL1FT2/640x335/drinking-water-1692746535734.jpg 640w, https://media.morninghoney.com/brand-img/vMUiL1FT2/768x402/drinking-water-1692746535734.jpg 768w, https://media.morninghoney.com/brand-img/vMUiL1FT2/1024x536/drinking-water-1692746535734.jpg 1024w, https://media.morninghoney.com/brand-img/vMUiL1FT2/1280x670/drinking-water-1692746535734.jpg 1280w, https://media.morninghoney.com/brand-img/vMUiL1FT2/1440x754/drinking-water-1692746535734.jpg 1440w, https://media.morninghoney.com/brand-img/vMUiL1FT2/1600x838/drinking-water-1692746535734.jpg 1600w, https://media.morninghoney.com/brand-img/vMUiL1FT2/2160x1131/drinking-water-1692746535734.jpg 2160w)
It will stop the wasteful practice of running the tap water for just a glassful.
8. When you meet your health insurance deductible, have additional medical checkups or dental work done before the end of the year.
![doctor office](https://media.morninghoney.com/brand-img/pG_B-mIlX/480x252/doctor-office-1692746641026.jpg 480w, https://media.morninghoney.com/brand-img/pG_B-mIlX/640x335/doctor-office-1692746641026.jpg 640w, https://media.morninghoney.com/brand-img/pG_B-mIlX/768x402/doctor-office-1692746641026.jpg 768w, https://media.morninghoney.com/brand-img/pG_B-mIlX/1024x536/doctor-office-1692746641026.jpg 1024w, https://media.morninghoney.com/brand-img/pG_B-mIlX/1280x670/doctor-office-1692746641026.jpg 1280w, https://media.morninghoney.com/brand-img/pG_B-mIlX/1440x754/doctor-office-1692746641026.jpg 1440w, https://media.morninghoney.com/brand-img/pG_B-mIlX/1600x838/doctor-office-1692746641026.jpg 1600w, https://media.morninghoney.com/brand-img/pG_B-mIlX/2160x1131/doctor-office-1692746641026.jpg 2160w)
If you wait until the following year, you'll pay the deductible again.
9. Ask your doctor for samples of the medications they want you to use.
![medicine samples](https://media.morninghoney.com/brand-img/_mmzdIwmr/480x252/medicine-samples-1692746701314.jpg 480w, https://media.morninghoney.com/brand-img/_mmzdIwmr/640x335/medicine-samples-1692746701314.jpg 640w, https://media.morninghoney.com/brand-img/_mmzdIwmr/768x402/medicine-samples-1692746701314.jpg 768w, https://media.morninghoney.com/brand-img/_mmzdIwmr/1024x536/medicine-samples-1692746701314.jpg 1024w, https://media.morninghoney.com/brand-img/_mmzdIwmr/1280x670/medicine-samples-1692746701314.jpg 1280w, https://media.morninghoney.com/brand-img/_mmzdIwmr/1440x754/medicine-samples-1692746701314.jpg 1440w, https://media.morninghoney.com/brand-img/_mmzdIwmr/1600x838/medicine-samples-1692746701314.jpg 1600w, https://media.morninghoney.com/brand-img/_mmzdIwmr/2160x1131/medicine-samples-1692746701314.jpg 2160w)
You can save some cash at the pharmacy.
10. Wrap a fiberglass insulation blanket around your hot water heater.
![counting money](https://media.morninghoney.com/brand-img/vqjZiDK1k/480x252/counting-money-1692746840440.jpg 480w, https://media.morninghoney.com/brand-img/vqjZiDK1k/640x335/counting-money-1692746840440.jpg 640w, https://media.morninghoney.com/brand-img/vqjZiDK1k/768x402/counting-money-1692746840440.jpg 768w, https://media.morninghoney.com/brand-img/vqjZiDK1k/1024x536/counting-money-1692746840440.jpg 1024w, https://media.morninghoney.com/brand-img/vqjZiDK1k/1280x670/counting-money-1692746840440.jpg 1280w, https://media.morninghoney.com/brand-img/vqjZiDK1k/1440x754/counting-money-1692746840440.jpg 1440w, https://media.morninghoney.com/brand-img/vqjZiDK1k/1600x838/counting-money-1692746840440.jpg 1600w, https://media.morninghoney.com/brand-img/vqjZiDK1k/2160x1131/counting-money-1692746840440.jpg 2160w)
It will cut your electric bill.
11. Use your washing machine only for full loads.
![washing machine](https://media.morninghoney.com/brand-img/ZlAqEFQ4l/480x252/washing-machine-1692747771582.jpg 480w, https://media.morninghoney.com/brand-img/ZlAqEFQ4l/640x335/washing-machine-1692747771582.jpg 640w, https://media.morninghoney.com/brand-img/ZlAqEFQ4l/768x402/washing-machine-1692747771582.jpg 768w, https://media.morninghoney.com/brand-img/ZlAqEFQ4l/1024x536/washing-machine-1692747771582.jpg 1024w, https://media.morninghoney.com/brand-img/ZlAqEFQ4l/1280x670/washing-machine-1692747771582.jpg 1280w, https://media.morninghoney.com/brand-img/ZlAqEFQ4l/1440x754/washing-machine-1692747771582.jpg 1440w, https://media.morninghoney.com/brand-img/ZlAqEFQ4l/1600x838/washing-machine-1692747771582.jpg 1600w, https://media.morninghoney.com/brand-img/ZlAqEFQ4l/2160x1131/washing-machine-1692747771582.jpg 2160w)
Your machine uses 30 to 35 gallons a cycle, too much for just a couple of blouses or shirts.
12. Don't throw out unused ketchup, mustard, salt and pepper or any other condiment packages from fast-food restaurants.
![condiment packets](https://media.morninghoney.com/brand-img/EVOB1g24O/480x252/condiment-packets-1692747903493.jpg 480w, https://media.morninghoney.com/brand-img/EVOB1g24O/640x335/condiment-packets-1692747903493.jpg 640w, https://media.morninghoney.com/brand-img/EVOB1g24O/768x402/condiment-packets-1692747903493.jpg 768w, https://media.morninghoney.com/brand-img/EVOB1g24O/1024x536/condiment-packets-1692747903493.jpg 1024w, https://media.morninghoney.com/brand-img/EVOB1g24O/1280x670/condiment-packets-1692747903493.jpg 1280w, https://media.morninghoney.com/brand-img/EVOB1g24O/1440x754/condiment-packets-1692747903493.jpg 1440w, https://media.morninghoney.com/brand-img/EVOB1g24O/1600x838/condiment-packets-1692747903493.jpg 1600w, https://media.morninghoney.com/brand-img/EVOB1g24O/2160x1131/condiment-packets-1692747903493.jpg 2160w)
Keep them to use at home to save.
13. Find a cookbook at the library (or look up recipes online).
![recipes](https://media.morninghoney.com/brand-img/8IF1wBoKk/480x253/recipes-1692747973319.jpg 480w, https://media.morninghoney.com/brand-img/8IF1wBoKk/640x337/recipes-1692747973319.jpg 640w, https://media.morninghoney.com/brand-img/8IF1wBoKk/768x404/recipes-1692747973319.jpg 768w, https://media.morninghoney.com/brand-img/8IF1wBoKk/1024x538/recipes-1692747973319.jpg 1024w, https://media.morninghoney.com/brand-img/8IF1wBoKk/1280x673/recipes-1692747973319.jpg 1280w, https://media.morninghoney.com/brand-img/8IF1wBoKk/1440x757/recipes-1692747973319.jpg 1440w, https://media.morninghoney.com/brand-img/8IF1wBoKk/1600x841/recipes-1692747973319.jpg 1600w, https://media.morninghoney.com/brand-img/8IF1wBoKk/2160x1135/recipes-1692747973319.jpg 2160w)
Look up low-cost recipes for families on a budget.
14. Prepare your own tax return.
![taxes](https://media.morninghoney.com/brand-img/wA801O2wr/480x252/taxes-1692796695322.jpg 480w, https://media.morninghoney.com/brand-img/wA801O2wr/640x335/taxes-1692796695322.jpg 640w, https://media.morninghoney.com/brand-img/wA801O2wr/768x402/taxes-1692796695322.jpg 768w, https://media.morninghoney.com/brand-img/wA801O2wr/1024x536/taxes-1692796695322.jpg 1024w, https://media.morninghoney.com/brand-img/wA801O2wr/1280x670/taxes-1692796695322.jpg 1280w, https://media.morninghoney.com/brand-img/wA801O2wr/1440x754/taxes-1692796695322.jpg 1440w, https://media.morninghoney.com/brand-img/wA801O2wr/1600x838/taxes-1692796695322.jpg 1600w, https://media.morninghoney.com/brand-img/wA801O2wr/2160x1131/taxes-1692796695322.jpg 2160w)
Take an inexpensive or free class at a local community college.
15. Be sure to weatherstrip and caulk around windows and doors.
![window](https://media.morninghoney.com/brand-img/e_5sBwLZp/480x252/window-1692796793134.jpg 480w, https://media.morninghoney.com/brand-img/e_5sBwLZp/640x335/window-1692796793134.jpg 640w, https://media.morninghoney.com/brand-img/e_5sBwLZp/768x402/window-1692796793134.jpg 768w, https://media.morninghoney.com/brand-img/e_5sBwLZp/1024x536/window-1692796793134.jpg 1024w, https://media.morninghoney.com/brand-img/e_5sBwLZp/1280x670/window-1692796793134.jpg 1280w, https://media.morninghoney.com/brand-img/e_5sBwLZp/1440x754/window-1692796793134.jpg 1440w, https://media.morninghoney.com/brand-img/e_5sBwLZp/1600x838/window-1692796793134.jpg 1600w, https://media.morninghoney.com/brand-img/e_5sBwLZp/2160x1131/window-1692796793134.jpg 2160w)
It helps stop the heat from escaping.
16. Buy term insurance.
![taxes](https://media.morninghoney.com/brand-img/kDdXMKwPv/480x252/taxes-1692797087178.jpeg 480w, https://media.morninghoney.com/brand-img/kDdXMKwPv/640x335/taxes-1692797087178.jpeg 640w, https://media.morninghoney.com/brand-img/kDdXMKwPv/768x402/taxes-1692797087178.jpeg 768w, https://media.morninghoney.com/brand-img/kDdXMKwPv/1024x536/taxes-1692797087178.jpeg 1024w, https://media.morninghoney.com/brand-img/kDdXMKwPv/1280x670/taxes-1692797087178.jpeg 1280w, https://media.morninghoney.com/brand-img/kDdXMKwPv/1440x754/taxes-1692797087178.jpeg 1440w, https://media.morninghoney.com/brand-img/kDdXMKwPv/1600x838/taxes-1692797087178.jpeg 1600w, https://media.morninghoney.com/brand-img/kDdXMKwPv/2160x1131/taxes-1692797087178.jpeg 2160w)
Do this instead of whole life for lower payments.
17. Have your local utility company perform a free energy audit on your house.
![kelly sikkema tclrorm unsplash](https://media.morninghoney.com/brand-img/C1m6VVYIg/480x252/kelly-sikkema-3-tc5lrorm-unsplash-1692797206549.jpg 480w, https://media.morninghoney.com/brand-img/C1m6VVYIg/640x335/kelly-sikkema-3-tc5lrorm-unsplash-1692797206549.jpg 640w, https://media.morninghoney.com/brand-img/C1m6VVYIg/768x402/kelly-sikkema-3-tc5lrorm-unsplash-1692797206549.jpg 768w, https://media.morninghoney.com/brand-img/C1m6VVYIg/1024x536/kelly-sikkema-3-tc5lrorm-unsplash-1692797206549.jpg 1024w, https://media.morninghoney.com/brand-img/C1m6VVYIg/1280x670/kelly-sikkema-3-tc5lrorm-unsplash-1692797206549.jpg 1280w, https://media.morninghoney.com/brand-img/C1m6VVYIg/1440x754/kelly-sikkema-3-tc5lrorm-unsplash-1692797206549.jpg 1440w, https://media.morninghoney.com/brand-img/C1m6VVYIg/1600x838/kelly-sikkema-3-tc5lrorm-unsplash-1692797206549.jpg 1600w, https://media.morninghoney.com/brand-img/C1m6VVYIg/2160x1131/kelly-sikkema-3-tc5lrorm-unsplash-1692797206549.jpg 2160w)
They can recommend different ways to save big on your energy bills.
18. Buy cosmetics at a chain drugstore or supermarket.
![laura chouette yxccgzsbii unsplash](https://media.morninghoney.com/brand-img/0aYSWt8Wp/480x252/laura-chouette-yxccgzsbii-unsplash-1692797281606.jpg 480w, https://media.morninghoney.com/brand-img/0aYSWt8Wp/640x335/laura-chouette-yxccgzsbii-unsplash-1692797281606.jpg 640w, https://media.morninghoney.com/brand-img/0aYSWt8Wp/768x402/laura-chouette-yxccgzsbii-unsplash-1692797281606.jpg 768w, https://media.morninghoney.com/brand-img/0aYSWt8Wp/1024x536/laura-chouette-yxccgzsbii-unsplash-1692797281606.jpg 1024w, https://media.morninghoney.com/brand-img/0aYSWt8Wp/1280x670/laura-chouette-yxccgzsbii-unsplash-1692797281606.jpg 1280w, https://media.morninghoney.com/brand-img/0aYSWt8Wp/1440x754/laura-chouette-yxccgzsbii-unsplash-1692797281606.jpg 1440w, https://media.morninghoney.com/brand-img/0aYSWt8Wp/1600x838/laura-chouette-yxccgzsbii-unsplash-1692797281606.jpg 1600w, https://media.morninghoney.com/brand-img/0aYSWt8Wp/2160x1131/laura-chouette-yxccgzsbii-unsplash-1692797281606.jpg 2160w)
They're cheaper there than at a department store.
19. Shut off that tap water.
![imani vdq ertaoe unsplash](https://media.morninghoney.com/brand-img/qKwBlbaUd/480x252/imani-vdq-e3rtaoe-unsplash-1692797358343.jpg 480w, https://media.morninghoney.com/brand-img/qKwBlbaUd/640x335/imani-vdq-e3rtaoe-unsplash-1692797358343.jpg 640w, https://media.morninghoney.com/brand-img/qKwBlbaUd/768x402/imani-vdq-e3rtaoe-unsplash-1692797358343.jpg 768w, https://media.morninghoney.com/brand-img/qKwBlbaUd/1024x536/imani-vdq-e3rtaoe-unsplash-1692797358343.jpg 1024w, https://media.morninghoney.com/brand-img/qKwBlbaUd/1280x670/imani-vdq-e3rtaoe-unsplash-1692797358343.jpg 1280w, https://media.morninghoney.com/brand-img/qKwBlbaUd/1440x754/imani-vdq-e3rtaoe-unsplash-1692797358343.jpg 1440w, https://media.morninghoney.com/brand-img/qKwBlbaUd/1600x838/imani-vdq-e3rtaoe-unsplash-1692797358343.jpg 1600w, https://media.morninghoney.com/brand-img/qKwBlbaUd/2160x1131/imani-vdq-e3rtaoe-unsplash-1692797358343.jpg 2160w)
When cutting and washing vegetables, don't keep the tap water running.
20. Don't speed.
![joshua hoehne ppehdpobh unsplash](https://media.morninghoney.com/brand-img/4gTHCVs3i/480x252/joshua-hoehne-0ppehdpobh8-unsplash-1692797427822.jpg 480w, https://media.morninghoney.com/brand-img/4gTHCVs3i/640x335/joshua-hoehne-0ppehdpobh8-unsplash-1692797427822.jpg 640w, https://media.morninghoney.com/brand-img/4gTHCVs3i/768x402/joshua-hoehne-0ppehdpobh8-unsplash-1692797427822.jpg 768w, https://media.morninghoney.com/brand-img/4gTHCVs3i/1024x536/joshua-hoehne-0ppehdpobh8-unsplash-1692797427822.jpg 1024w, https://media.morninghoney.com/brand-img/4gTHCVs3i/1280x670/joshua-hoehne-0ppehdpobh8-unsplash-1692797427822.jpg 1280w, https://media.morninghoney.com/brand-img/4gTHCVs3i/1440x754/joshua-hoehne-0ppehdpobh8-unsplash-1692797427822.jpg 1440w, https://media.morninghoney.com/brand-img/4gTHCVs3i/1600x838/joshua-hoehne-0ppehdpobh8-unsplash-1692797427822.jpg 1600w, https://media.morninghoney.com/brand-img/4gTHCVs3i/2160x1131/joshua-hoehne-0ppehdpobh8-unsplash-1692797427822.jpg 2160w)
Driving faster than the speed limit uses more fuel.