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8 Easy & Smart Ways Our Team Has Saved $10,035 This Year

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We save money for a living.

Our team is dedicated to serving you the best deals to save you the most money. We’re just as committed to helping you keep more money in your wallet. Check out these easy and smart money-saving tips right from our Hip2Save team members, and see how much you can save in a year’s time!


1. Lina cut ties with her cable company and saved $1,200.

getting rid of cable remotes, wires, and hardware

Potential savings of ditching cable: $100 each month, or $1200 in a year.

I’m sure I’m not the first person to tell you this: cutting ties with your cable company can free you from a hefty service contract, especially when you only watch a few of the channels. Streaming services are wildly popular, and you can pick the networks you actually want to watch. Lina made the switch and has saved $100+ each month!

If you’re ready to make the switch, check out some of these cable network streaming services:


2. Bryn lowered her monthly bill to save $720.

directv remote on top of cash

Potential savings of lowering your cable bill: $60 each month, or $720 in a year.

Cable companies don’t want to lose subscribers. That’s why, when you call to tell them you’re done with the service, they typically pull out all the stops to get you to stay—most of the time by lowering your bill. Bryn used this hack not once, but TWICE, and has saved huge each time! In her second call to DirecTV, she was offered $60 off a month if she stayed with the service. Score!


3. Jamie saved $2,145 by making extra principal mortgage payments.

front of home with for sale sign in lawn

Potential savings doubling your mortgage payment: In the $47.2k savings scenario below, you could save $178 monthly, or $2,145 each year.

Your home is likely the biggest investment you’ll make in your lifetime. That said, you can still save on interest in the long run. One approach is to pay more on your principle each month, thus reducing the total that your interest payment is based on.

“We pay double our monthly mortgage principle, so we’ll have this loan paid off in 15 years (and we’ll save well over $100,000 in interest payments).” – Jamie

Another idea is to look into refinancing your loan for a lower rate. Then, by changing your mortgage term from 30 years to 15 years, you can save thousands on interest and pay your mortgage off quicker.

“We refinanced after about 2-years in our home to a 15-year mortgage. It ended up being about the same monthly, but we’ll pay it off much faster.” – Stacy

Really, any additional payment or speeding up your payback schedule can save you big time! On the average US loan of $215,500 at 4.1%, so you could save roughly $47.2K just by paying an extra $200 on your mortgage and have your home paid off 8 years sooner. Additionally, you could save $61.8K if you switch to bi-weekly payments over monthly installments.

Calculate the savings for your home scenario using this Mortgage Calculator.


4. Emily canceled unused subscriptions to save $420.

Stitch Fix Box

Potential savings of sharing a delivery membership and cutting 2 unused subscriptions: $35 each month, or $420 in a year.

Do you know how much your subscriptions are costing you? In a study by Waterstone Group, respondents underestimated their monthly cost of subscriptions by 40%! List out your recurring subscriptions and their costs, and start slicing away at the money sucks you’re no longer benefiting from.

If it’s a service you can buddy up on, consider splitting the cost. Netflix allows you to have multiple viewers on one account so no one’s watch history or viewing queue gets tangled. Spotify has a Family account, so multiple listeners can benefit for less than the cost of separate accounts. Oh, and Amazon Prime fans: you can share your Amazon Prime benefits with another person, too.

Even better: Share your Amazon Prime benefits with someone in your household, nix Stitch Fix, and watch Hulu with the commercials to spend less money.


5. Collin kissed designer brands goodbye and waved hello to $900 saved.

side by side comparison of collin in walmart peasant top compared to designer top

Potential savings of ditching the labels: $75 each month, or $900 in a year.

As someone who likes nice things, I’m not going to tell you that wanting a designer purse or a high-end outfit is wrong. But I will tell you that more often than not, you can find the same look for a whole lot less… at least 50-60% less. We are a nation of shoppers (with an average $1,803 spend on retail annually), but you can still get your shopaholic fix by turning to retailers like Amazon and Walmart (yes, I just said Walmart) for trendy pieces at a fraction of the designer cost.

Don’t believe me? Then you need to check out our Walmart Fashion series and our reviews on Amazon’s best selling dresses and tank tops.


6. Stacy saved $1,650 by shopping generic and sale groceries.

Target brands of coffee, ibuprofen, nuts, and cleansing wipes

Potential savings of shopping generic and grocery sales: $137.50 each month, or $1650 in a year.

Did you know that many of the competing brands on store shelves are actually made by the same manufacturer? Heck, there are some products we think overshadow the name brands themselves. By giving up your brand loyalty and switching to the products that are cheaper (or are at least on sale), you could shave at least 15% off your grocery bill. And given the average family of 4 will spend $10,995 on average in groceries this year, that’s a potential savings of $1,649.25!

“Like most couponers, we shop the weekly ads. My grocery list comes directly from what is on sale that week. If it is a loss leader item, like cereal for 99¢ or the like, I stock up. Even without cutting one coupon, you can save a ton of money just by following the sales cycles and stockpiling what you can while prices are at their lowest. It’s like bulk shopping without the club membership. If you can buy what your family will use for about three months, you’ll likely make it to the next big sale.” – Stacy


7. Jamie capitalized on credit card rewards programs to save $800.

hand holding fan of credit cards

Potential savings of using a rewards credit card: Based on the major credit card average earnings points, you could earn anywhere from $400 to $1000 in a year.

Let me start by clarifying that taking advantage of credit card rewards points only works when you have the ability and discipline to pay off your credit cards in full each and every month. Otherwise, you’ll load up interest or even late payment fees costing you money and your sanity.

If you think you’d benefit from earning rewards from your purchases, check out Nerd Wallet’s round up of the best credit cards specific to your lifestyle.

“We use credit cards to pay all of our bills, but we also have the discipline to pay them off every month. This allows us to rack up points which earn dining out gift cards. We use those cards in combination with restaurant offers, like free kid’s meals, to eat out. That eliminates that dining out line from our budget so whatever we would have spent can go into saving us from accumulating debt or paying off debt, whichever the case may be.” – Stacy


“We shop (and pay off) our Kroger rewards credit card monthly, so we get $800 in free groceries annually. I use that card to pay for everything from roofing, to window replacement, to college expenses for kids–literally anything they’ll allow me to use it for–that way, I can max out my rewards points toward groceries.” – Jamie


8. Emily used an app that saved her $2,200.

digit app review — digit app account overview

Potential savings of using a savings app: $184 each month, or $2,200 in a year.

I’ve raved in the past about Digit, the app that moves small amounts of money from your checking account into a savings account without you even noticing. While it’s easy to set up and user-friendly, the biggest drawback is the monthly $2.99 fee.

Some will argue that paying this charge is counterintuitive to saving, but in my perspective, the $36 I paid to use this app in a year’s time was well worth the $2,200 I ended up saving. I’m certain I would have never ended up saving such an amount without it!


Read up on more ways to save money this year!


Emily is an evergreen writer specializing in health, beauty, fashion & living frugally. She has degrees in Business & Communication. Connect with Emily on LinkedIn


Join The Discussion

Comments 29

  1. Jen

    I use my Gap Visa credit card for most of my purchases and earn monthly rewards whiich come in my bill every month. I use my $ rewards at Gap, Old Navy, and their other stores to buy most of my family’s clothes. I pay hardly anything out of pocket by using my reward dollars and by purchasing the clothes we need at their stores. I even get free shipping with my Gap Signature Visa card.

    • Heather

      Diddo! I do the same!! I love my gap signature card!

  2. MEB

    Those savings all ROCK!! I FINALLY ditched cable and OH WHAT A FEELING!!!! Ditched monthly fun makeup boxes and coupon my face off – saving for a house! Thanks for all the great tips and helping me get where I need to be. LOVE you guys!

    • Collin (Mrs. Hip)

      Aww, You are SO very welcome, MEB! Happy to hear you have been grabbing such great savings! Thanks a ton for the sweet comment! It sure means a lot! 🥰

  3. babymair

    Thx Collin and team. I never thought that the “fake” foods and products were made by the same company as name brand.This will save me so much money.
    I also stopped my beauty boxes. I only go with target ones,and unfortunately they haven’t been that good .And the most important thing . I follow all the sites from you guys.With all the saving through out the year,I apply it for feeding everyone I no that has no one,or nowhere to go for the holidays. I cant thank you enough. Keep up the good work and God bless.

    • Kay O

      I worked at a major supermarket chain in south Florida that had its own “store” brand. As a stock clerk they taught us whichever name brand was positioned next to the store brand is who makes the store brand and they are virtually the same but the store brand is much cheaper because you’re not paying for the brand name. Idk if that’s how it is everywhere but I thought that was neat so now I always buy whatever the “knock off” store brand is anywhere I go and it’s always just as good as the popular name brand. Same as shopping at stores like Aldis.

      • babymair

        Thx Kay O . I will be on the lookout for the store brand .I didn’t know that either..

    • Collin (Mrs. Hip)

      You are most welcome, babymair! ❤️ Super glad you have been enjoying the deals! Thanks so much for the kind feedback! We sure appreciate it!

  4. Katie

    Don’t forget using sites like Ebates for free money back when you shop online!

    • Stacy F (Hip2Save Sidekick)

      Great tip, Katie!

  5. patricialavenz-goff

    I called Suddenlink my cable company and they offered to lower my bill by 25 cents. That is all they could lower it they told me. the last time I asked them to lower it 2 years ago they lowered it from $99 to $140 a month. Yup. You read that correctly. If I could find another cable company I would. My brothers won’t let me cut off TV as they watch it all the time. They are on disability so they are home more than I am. LOL

    • Bonnie

      You could try BillCutterz. I use them because I don’t like haggling with my internet and phone companies. They always save me at least $20.

    • Snowflake1211

      Have you tried Direct TV or Dish? I know some places won’t allow you to have a satellite but if it’s possible they are great. We like to switch every 2 years and we’re like new costumers and get all the benefits of new costumers and a lower bill but sometimes we stay longer because when we call they lower our bill. Sorry your price went up, that seems so wrong!

  6. patricialavenz-goff

    I do surveys and transfer the money to paypal and then have a check mailed to me. I make a few hundred a year. If I can’t do that I purchase gift cards for Amazon, Target, Lowes, Home Depot, Walmart and use them to buy groceries and other things. One year I only bought Lowes or Home Depot and used them to buy things to replace a termite infested wall in the shop (garage). My brothers and a friend did the work.

    • Jennifer (Hip Sidekick)

      Awesome, patricialavenz-goff! It’s so nice you had the gift cards to do that repair!

  7. MamaBear

    It’s not really that much of a better deal to ditch cable. I was paying 45 for wifi and 35 for sling. Now I’ve got cable and wifi for 80 a month and it has better range and more channels. Plus my price is locked in for 2 years.

    • Daniela

      Personally I would rather do Sling and wifi for equal price to cable or satellite because I do not like the 2 year price lock aka contract. I want to be free to shop around, cancel and transfer to Fubotv or directvnow. I watch very specific channels so my needs are usually met with those streaming packages.

  8. Melissa

    My best savings deals are buying gift cards at Kroger and racking up fuel points. Specifically, I buy my T-Mobile phone bill gift cards, Hulu gift cards, and Netflix gift cards. This is an easy way to save at the pump for me! In addition to my go-to food restaurants like Chipotle and Starbucks!

    • Jennifer (Hip Sidekick)

      Great idea! If you are eating out anyway, then you should definitely save on gas! Thanks for the great tip, Melissa!

  9. mackyjane

    Until recently I would purchase discounted gift cards from Cardpool or Raise to save additional money on my purchases, but I recently ran into an issue with Cardpool where they sent me an empty e-gift card (had been emptied 2 months before my purchase date). I’ve been trying to get it corrected for a month now, so be careful with these sites!

    • Jennifer (Hip Sidekick)

      Thank you for the warning, mackyjane! I hope they get it sorted out!

    • Bunny

      I’ve had problems with Raise having zero balances twice now. I’ll never use them again!

  10. Becky M

    I use Shop Your Way Rewards and have the GasBuddy card. When I purchase gas, I get points to shop at Kmart or Sears. They also the WinIt app and I can earn points. I always ship to store for free shipping. I have gotten so many free or next-to free things this way. Recently I got an airplane Megablocks set for $.88 for my grandson. The Gas Buddy card is so easy to use and I can get points for something I have to buy anyway.

    • Ana

      I used to do that but I never get anything anymore 🙁 I wish they’d go back to the way it used to be, I miss it!

  11. Liz Kelly

    Our school participates in a program called scrip. We order gift cards and after earning an amount back in credit to the school as a requirement, any extra on top of that is a credit towards our tuition for the next year. We try to pay for as much as we can with gift cards to earn back. Gas, groceries, Disney or cruise trips, birthday and Christmas shopping. The list goes on. We can usually earn a few months for free and that’s with three in private school. It helps a lot. We even have family that help us too.

    • Jennifer (Hip Sidekick)

      That’s a great way to help pay for their tuition, Liz Kelly!

  12. Staci

    Can anyone explain the Benefits of using a kroger credit card ? Is there a reward program for purchases made at the store or everywhere ?

    • Ann

      You do build up credits when using the Kroger credit card for food purchases there….even more points when you purchase Kroger brand products. Not sure how many points are needed to be banked in order for a check to be issued….I don’t use my Kroger card for groceries. I only use my Kroger card when purchasing gas at Kroger (get an extra 5 cents off per gallon) plus if we go out to eat and don’t have a gift card. That way I can keep track of the smaller purchases in case the card is hacked. For grocery purchases at Kroger and other places, we use our BP visa to earn points for cheaper gas on vacation or when my husband needs to purchase for his car and mowers. Or we can have the dollar amount equivalent credited to our account…..last time we received $250 and $200 credits.

  13. Sara

    I stopped using my health insurance to pay for my medications. It is cheaper to pay out of pocket for 90 days instead of with insurance for 30 days. I switched back to a medication I had previously taken that worked better. I only stopped taking it because a previous insurance company wouldn’t cover it for off label use. A generic didn’t exist at the time, and the cash price at Walmart had gone up to $1,200 per month for 30 pills. Walmart was the cheapest pharmacy in town at the time. My insurance has a $500 prescription deductible, and the medication I switched from had a $15 copay after the deductible for 30 days(60 pills). It was over $155 cash at Walmart. The medication I switched back to is $82.17 cash(member price) for 90 days(90 pills) at Costco. I am saving at least $306.32 per year on that one prescription alone.

    I will continue to buy discounted Disney gift cards from Sam’s Club until they cut me off. If that doesn’t happen before I get enough cards, I will save $157.82 for my trip this year. This is on top of the $563.47 my WDW annual pass will save me on tickets and Memory Maker for this trip and next year’s trip. I bought my pass voucher before the recent massive price hike.

    I pick up random Coke caps off the ground when I am out. I rarely have to pay for a drink to get caps. I also live near a college campus, so I go to campus during a football game and collect all of the caps, carton codes, and plastic wrap codes that the tailgaters leave behind. I bring a pair of scissors, two paper towels, and two pairs of vinyl gloves. It can get pretty nasty.

    For example, I forgot to bring scissors one time, so I had to use my nail clippers to cut out the plastic wrap code from either a 24 or 35 pack flat. I was holding the flat over a trash can. I dropped my nail clippers in the trash. I had to fish it out of baked beans and what I think was pulled pork. At least I hope it was pulled pork. On another side note, you would be amazed and dumbfounded at what people leave behind. I once found one half full and five unopened huge jugs of peanut oil sitting next to a trash can. Who needs that much peanut oil for one tailgate? I also found several unopened bottles of alcohol at an otherwise cleaned up tent. It was nearly a full bar.

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