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20 Ways to Double Your Dollars and Save Money in 2020

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More Tips

putting money into wallet

Let’s start the New Year saving big! 

Whether you’re looking for short-term deals or long-term savings solutions, we know both strategies work best when they’re used together! Kick-off the new 2020 decade with these effective ways to save money in the New Year!

1. Meal plan for the week.

pantry challenge meal plan

Meal planning is a great way to save money. If you know ahead of time what you’re going to eat each day, chances are you won’t be spending money eating out! Plan around grocery store flyers and coupons to grab great deals on food sales, opt to buy generic brands instead of pricey name brand products when it makes sense, and make sure to pack a lunch for work!

Hip Tip: If you haven’t already joined out 10-Week Financial Boot Camp, you’re missing out! Not only is it totally FREE but we’ll also help you with meal planning with our easy pantry meal challenge.

grocery services — shipt shopper checking out at target

You may be able to possibly save even more money (and save yourself time!) by ordering online and having your groceries delivered. Grocery delivery options like ShiptInstacart, or Peapod (where available) offer an easy way to stay away from those tempting and unnecessary goodies you might scoop up shopping in the store!

Hip Tip: Your local grocery store may offer a grocery pickup option. Depending on the grocery stores you live nearby, you can usually opt for grocery pickup instead of delivery – so basically all you need to do is arrive at the store, wait for your groceries to be brought out and loaded into your car, then you’re on your way — it’s so simple!

See why Collin LOVES this service.

2. Start a piggy bank or money jug.

Money jar printable tags

This year, start saving your pennies, literally! Small bills and coins can really make a change. 😉 We recommend using a piggy bank or a small neck jar (that way you won’t be as tempted to take the money back out) and we’ve even got the perfect free printables if you want to keep them labeled.

Hip Tip: If you’re part of our free 10-week Financial Boot Camp, we’ll also help you save up to $250 in just 10 weeks with our simple savings challenge.

3. Declutter your home.

yard sale tables covered in clothing

Spend some time after the holidays to clean out all those unused toys, clothes you don’t wear, and knick-knacks that are making your house feel claustrophobic. Need some help? Print out our free declutter checklist to get your home in tip-top Marie Kondo shape.

Once you’ve done a cleanout, rake in that money and host a yard sale! One person’s junk is another’s treasure, after all! Even better, get some friends together and compile your belongings for one big yard sale or rent a common space. Not only will you have fun doing it, but you’ll also increase your chances of selling more items.

Hip Tip: After you figure out what you really need and don’t need, check out these practical tips for ways to get your garage organized.

4. Bring out your inner domestic side.

Cleaning Fridge
Mend those holey clothes you’ve been staring at all month rather than toss them out. Cook weekly meals instead of choosing to eat out. And even if you have help from occasional cleaning crews like some of us here at Hip2Save, you can space out their visits to alleviate service costs.

Clean around the house when you can, and even put the kids to work to have a few extra helping hands. You’ve got this!

5. Cancel subscriptions and memberships.

Working on Macbook - Canceling Memberships

Don’t waste money on luxuries you’re not even using! While so many great monthly memberships are worth every penny, they’re not worth your hard-earned money if you’re not benefiting from them. Most memberships are hassle-free with a cancel-at-any-time policy, so say “bye-bye” to membership fees and start saving now!

Hip Tip: One subscription we’re huge fans of is meal box deliveries! They’re easy, convenient and it’s less time you have to spend thinking about cooking. Have you seen which one is our favorite yet?

6. Start saying “No”.

don't walk light

We don’t have to devote ourselves to every commitment in life just because a friend asked us to do something. Constantly saying “Yes” to things you might not always want to do can result in more money spending, emotional stress, and tirelessly running around. Be content with saying “no” sometimes, and enjoy the peace of just staying home without spending the money.

7. Reduce, reuse, and recycle.

Re-purposing Pant Hangers

Get the most use out of something by reusing instead of tossing it away. Re-purpose pant hangers as chip clips, and even use one as a clever cookbook holder! Also, try to buy gently-used items when you can, rather than buying them new. I’ve found so many great deals on Facebook Marketplace when I would have normally spent a fortune ordering it brand new online! Not only is this more cost-effective, but it also benefits our environment.

Hip Tip: Check out these fun hacks for 16 clever ways to get organized with trash!

8. Get rid of debt.

Using a Calculator to Get rid of debt

A little too obvious, maybe? I mean, everyone wants to pay down debt, but sometimes you just don’t know how or where to even start! We already know that Collin’s triumph against $40K in debt is impressive, but we’re here to help YOU too!

Our 10-week Financial Boot Camp is new around here and when you sign up for free, you’ll get access to our actionable ways to beef up your savings and challenge yourself to new techniques that you probably weren’t using before.

9. Download some helpful budgeting apps.

digit app review — rainy day account transactions

You can download budgeting apps like Digit that saves your money for you behind the scenes. After connecting your bank account, the app assesses how much money it can transfer into savings based on your spending habits to ensure it never transfers more than you can afford!

10. Grow a garden.

gardening fresh tomatoes in a bowl

With a little help from blogs, YouTube, and your local garden center, you can achieve a green thumb! Any knowledgeable gardener can help guide you to the perfect beginner seeds for your area so you can fill a garden with yummy fruits and vegetables.

Growing your own crops will help save you money during harvest season. And even if you can’t eat them all, you could sell them to locals or swap for other fresh foods!

11. Carpool to work and events.

save more money 2019 easy tips – coworkers car pooling smiling at the camera

Gas is expensive. Save money and share the ride to work with a nearby coworker – or even offer to take turns driving together with friends when you go out for a night on the town!

Hip Tip: Are you in the market for a new car? See how Angela saved money and time by buying her brand new car from her couch while wearing pajamas. 😱

12. Cut down or get rid of your cable.

save more money 2019 easy tips – netflix tv television remote control

Either get rid of your cable altogether or take some time to call up your cable company and save over $200 and reduce your monthly payment.

More often than not, if you ask to cancel or tell them you’re switching to one of their competitors, they’ll likely offer you a better deal than what you’re already paying. At the very least, they’ll be able to find you a more suitable package that fits your budget.

Hip Tip: Thinking of ditching the cable all together?! Lina successfully cut the cord in favor of streaming services. Plus, you can even watch some of your favorite programs for cheap or FREE!

13. Switch banks or open a new account.

Bank Checks

Check out other banks nearby to see if they’re offering promotions to switch, such as prize drawings or tempting cash incentives. Just be sure to check the conditions of the bank first, like monthly checking account fees or minimum balance requirements (you don’t want to end up paying more than you are at your current bank).

14. Take advantage of freebies.

ihop pancakes strawberry whipped cream stack

Who would turn down free pancakes? If you enjoy getting out of the house for dinner and activities, check out all of these places that offer incentives when you join their loyalty program! While restaurants like Red Robin, IHOP, and Famous Dave’s offer free meals for your birthday, they also give you freebies just for signing up to receive their emails! Once you’re in, you’ll get email notifications with promotions throughout the year.

If you’re feeding a whole family, check out how kids can eat for FREE at restaurants that honor free meals for kids on certain days!

15. Switch to autopay.

collin with auto pay verizon screen on computer

Want a simple and quick way to save money every month? Many monthly bills come with a discount when you switch to automatic payments. They can even be conveniently set up on the billing website via your computer or mobile device.

Hip Tip: Companies like T-mobile also give their customers the opportunity to win free stuff every week!

16. Use the 30-day rule.

man looking at a calendar page

Get rid of the urge to splurge and wait 30 days to buy higher ticket items. Chances are when the 30 days are up, you’ll realize you really don’t need to buy it after all! Take some shopping advice and techniques on minimalism from our Hip2Save Sidekick, Michelle:

“After watching a documentary on Minimalism I decided to rethink the way I was buying. My house is stuffed with “stuff” and I have so many clothes, it’s ridiculous.


I actually started a fun challenge with myself to wear all of my clothes. When I hang up laundry, I put it on one side of my closet and the non-worn items stay on the other side.  When I get dressed in the morning I force myself to choose at least one item from the non-worn side!


After putting a halt to buying stuff for awhile. I can’t believe how much time not shopping has freed up! I don’t shop for fun and I have a default ‘NO!’ when it comes to buying new things. If I truly need something, then I force myself to get rid of a similar item.” – Michelle

17. Spend cash, don’t swipe plastic.

a man with cash in his hand

Using cash rather than a card makes you more mindful of your spending. Obviously, this only works for purchases made in person, but that still accounts for much of your discretionary spending.

A great tip for online spending, to avoid the convenience of ordering from your couch, is to delete your saved credit card information from your favorite food delivery and shopping websites. This will likely make those 2 AM insomnia purchases less frequent, because who wants to get out of bed to grab their card when they’re half asleep?!

18. Stay in, not out!

save more money 2019 easy tips – lina cooking dinner

Choosing to stay in, rather than going out, can reduce your amount of expenses. It’s much more cost-effective to host a dinner party on a budget and invite friends over rather than to pay at a restaurant or bar. And if you have young kids, chances are you’ll be saving money on a babysitter, too!

19. Travel with flexibility.

save more money 2019 easy tips – travel american airlines airplane

Have a fun vacation planned for the spring or summer? If you can be flexible with your dates, you’ll find that hotels and airlines will offer drastically different prices depending on the day of the week you plan to fly. Additionally, prices vary week to week and season to season. Traveling off-peak could end up saving you hundreds of dollars!

To save even more, you could just bring a carry-on. Even better, if you need a rental car, Bryn shared an easy 5-minute hack that saved her close to $200! 😱

Hip Tip: Want more travel tips? You can browse our top travel deals right here!

20. Join our FREE Hip2Save newsletter!

Collin pointing and smiling at her mobile phone

We wouldn’t be true Hip2Savers if we didn’t fill you in on the best deals ever! Make sure to subscribe to the FREE Hip2Save Newsletter to get email updates on the latest and greatest deals, DIYs, recipes, coupons, freebies, money-saving tips, and so much more! Even better, we often host contests exclusively for our email subscribers!

Want to keep learning the best ways to keep some extra cash in your pocket?

Check out our 10-Week Financial Boot Camp! In this series, you’ll receive weekly emails featuring ​money-saving challenges​, ​helpful tips​, and even ​budget-friendly meal ideas​ to keep a little more cash in your pocket.

Sign up now for our Financial Boot Camp!

Here are 10 reasons saving money will never go out of style!

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Comments 39

  1. je

    Item 17 comment: “A great tip for online spending, to avoid the convenience of ordering from your couch, is to delete your saved credit card information from your favorite food delivery and shopping websites. This will likely make those 2 AM insomnia purchases less frequent, because who wants to get out of bed to grab their card when they’re half asleep?!”

    Great idea except you make so many online purchases that you’ve memorized your CC info. Yah… that’s me. 😐

    • lynnleco

      Yep I agree. Cc Info is memorized in this gal’s brain!😩

    • Jackie F

      I have that same problem.

  2. jenro89

    I saved over $900 by getting our auto and homeowner’s policies re-quoted. It only took about 20 minutes…and we have 3 people on our auto policies (one being a 17 year old boy). I know every situation will be different, but it’s worth a shot.

    • sherry

      I know what you mean. We had the same insurance company for 15 years . The rates kept going up and we only filed 2 claims in that time period. I shopped around and changed companies. I saved over 1000 per year. Insurance companies get complacent. A smart move.

    • Amber (Hip Sidekick)

      Oh wow! That’s awesome! Thanks for sharing how you have been able to save! I’ll have to give that a try!

  3. Amie

    I’d like to try more Instapot recipes to save money- but I’m a vegetarian. Could you do a post with vegetarian Instapot recipes?

    • krystajohnsonquammie

      There are some really good (and very active) vegan and vegetarian Instapot groups on Facebook. You should check them out!

  4. sherry

    #12 We canceled Dish Network 3 years ago and just use DTV on regular antenna. We get 26 channels. And it is free.

    #17 I use my Amex everywhere they accept it. The rewards are great! I saved my rewards for a year and redeemed them for Amex giftcards. (If you call in the order they will waive the fee) I gave out Amex giftcards to everyone for Christmas. My daughter bought a dishwasher and my son bought a washing machine.

    I also got free rental car insurance through them when we flew overseas.

    I am a firm believer in the 30 day rule. That is an extremely good tip. But most of all people need to use common sense, take a deep breath and take the time to think about the consequences of their actions. Don’t spend what you don’t have and don’t borrow what you can’t afford to pay back.

    • Anne

      I agree! Using a credit card responsibly can be one of the best things you do for your financial health. I put everything on my card to get the points! Last year I was able to fly to Europe in business class for free. 🙂 And I did the same thing you did and got the free rental insurance on an overseas car. That saved me nearly 50% on my car!

      • PRS

        We use our credit card responsibly every month for cash back. It really adds up. It just goes in our savings account.

    • SueJo

      I love how your son & daughter bought appliances with their gift cards! That’s what I call a useful gift!!!

  5. Bunny

    I ask myself this question before making a big purchase…”Do I need it or do I want it?”

    Ultimately we avoid making unnecessary purchases if we stop and think about it each time.

  6. Laurie Villotta

    I have started 0 based budgeting. Boy is that eye opener. Now I live on cash. Hopefully by April 1st I will have paid off most debt. My biggest goal is to pay my home off in 4yrs at age 48. To be completely debt free. Finances are very tight on my single income, but we have all we need.

    • Lori

      Very commendable Laurie! Here’s hoping you get your home paid off! 🙌

  7. Lana

    Move your bank savings account to a Money Market account. Our savings were earning 0.01% at our bank. We moved it to Money Market with Edward Jones and have earned from 1.1% to !.7% depending on the market over the last year. We went from earning 25 cents a month to an average of $45 a month. The bank was using our money for essentially free.

    We have a date money fund that we get in cash each month. At the end of the month we move any leftover money to an envelope where we are saving for something big for our 50th anniversary. Over the last couple of years this has painlessly saved up around $1500.

    We have a high end coffee maker, a Jura Impressa, and friends are more than happy to come by for coffee, in fact they will ask to come. This is really cheap entertaining. A pack of those shortbread cookies with the chocolate on the back from Aldi for around $1.69 are always in the pantry to go with coffee. BTW we found the coffee maker at a thrift store!

    • Bunny

      Lana I think it’s great that you have friends over for coffee. I find these get-togethers a great way to connect and relax.

      We LOVE to entertain and think it’s not only more fun, but we don’t have the added expense of paying for overpriced restaurant food and a tip. When I was growing up, my family had guests over for dinner at least once a week so it’s something I’ve learned to enjoy.

      Interestingly, most of our friends HATE to have people over, even something simple as coffee and cookies.

  8. Rebecca

    I agree with other posters, take a look at your auto insurance! We moved to a different city(same state) and our insurance almost doubled! After looking closely & speaking to a provider, we realized we were double-dipping in an area on our insurance (FL requires certain coverage, and we had additional coverage that covered the same). Saved about $130 a month by fixing that(and would have saved some before we moved here too had we realized!).

  9. Megan

    Don’t take this the wrong way but sometimes I have to force myself to take a hiatus from this website. I often find myself buying things just because it is a good deal. Similar to that I don’t look at clearance section unless there is something specific I am looking for. I can’t name how many time I bought items just because they were an amazing deal only end up donating them months later.

    • Amber (Hip Sidekick)

      Thanks for sharing, Megan. Good deals are so hard to resist! I try to make a list of items I will buy if there is a good deal. If the item is not on my list or for a specific intent, I do not purchase it. 😊

    • Sar

      You can go broke “saving” money – something I remind myself and kids.

  10. Brian

    Rather than ever paying with cash, perhaps exercise better discretion when using credit cards. Cash will never give a return, while using the right cards will always generate *a bare minimum* of 2% cash back (usually closer to 7.5% back if used strategically). Obviously, never carry a balance or allow a situation where you’d need to pay interest, as this defeats the purpose of a cash-back or points earning card. ALWAYS think of a credit card as a direct extension of your bank account balance to avoid overspending. For anyone using this site and trying to save on everything, cash should be viewed as obsolete and kept in interest-earning accounts!!

    • klvnh

      I want to hear more about this 7.5% cash back… We have the Citi 2% card as our catch all to get a minimum 2% cash back, but the most we have is 6% cash back on groceries with our AMEX Blue card and 5% on Discover’s rolling categories. Where can I get more info?

      • Bunny

        Have you signed up for Rakuten (formerly Ebates)? In some instances you can get as much as 10% back on purchases!

        • Brian

          Rakuten is a great place to start and is one of many shopping portals. To compare your best cash/point-back rate, check out a meta shopping portal site like, which will indicate which portal is currently paying out the most.

      • Brian

        A Chase card earning 5% (Freedom, INK Cash) can pool points with a Chase Sapphire Reserve card. Those points are worth 1.5 points for travel (5*1.5=7.5). Freedom rotates quarterly categories, while INK Cash can be used at office supplies stores, both of which can usually get you gift cards for whatever store you actually want to shop at. Ex: I buy CVS/Amazon/Airbnb gift cards at Staples (even Visa Gift Cards, which are fee-free in $200 denominations this week) with INK Cash OR buy groceries with Freedom during a grocery 5% quarter.

        Other high earners:
        Discover – 5% quarterly cashback with match for the first year (10% equivalent. This quarter is groceries, CVS, and Walgreens/Duane Reade – super useful) + $50 bonus.
        Bank of America Travel Rewards – 3% straight cashback category of your choice (including ‘Online Purchases) + sign up bonus. Can be multiplied if you have BofA accounts.

        Let me know if you need more info or referrals!

    • sherry

      Very good suggestions.

    • Melissa Rice

      I second you. I love the cash back from my credit card . I rarely use cash because the change is useless and the bank charges you money to count your coins and deposit it.
      Personally for me I would have lost money in the long run if I used cash!!
      My personal advice would be to use reward earning credit cards responsibly.

  11. ATM

    or watch – Minimalism: A Documentary About the Important Things on Netflix 😄

    • Melissa Rice

      If I watch minimalist I will die of guilt!!! Right now my lifestyle is anti-minimalist but I am getting better!
      Oh the pleasure of nice smelling candles, brightly colored eyeshadows and neatly aligned lipsticks. Shopping is cheaper than therapy!

  12. Jaime

    21) listen to chooseFI podcasts. Lots of financial and life hacks. 22) because of that podcast I ditched Verizon for Total wireless network. Instead of paying 170$ a mo we now pay 95$ a month (4lines) and they use Verizon towers. Have not had one issue. HIP2save is amazing tho. Years now of following you guys!!

  13. Kim Miller

    I had the same home owners and car insurance company for over 15 years. I found an app online called Gabi and they made it super easy to shop. They compared all of my coverages and saved me over $2000 a year.

  14. Kay

    I use Ibotta, Retail Me Not and Rakuten apps. I have two credit cards n earn lots of points. I always pay in full n on time. I switched from Verizon to Boost, which saves $50 a month. Don’t eat out much. Buy holiday stuff after the holiday (at least 75% off). Turn off lights in any room unused. Don’t Overstock my fridge and always finish my plate (hate wasting food). I buy my kids’ fav toys when they’re on clearance, then they buy from Mom’s Toy Store instead of buying random junk toys at stores. Use coupons. If I can borrow a rarely used item, I ask my church group instead of purchasing something I’ll only use a few times at the most. I read H2S posts EVERY DAY!

    • Melissa Rice

      You are doing everything right!! I especially liked the part of turning off lights and not wasting food.

  15. Mal

    Credit unions, instead of banks!

  16. RRD Magazine

    Hi there,

    I hope you’re doing well during this hard time.

    I found out you’re using one of the images that I published on Pexels.

    I’m in process to take the image down from Pexels, as I’m working for a new magazine now.

    You will need to leave credit or add credit to the new magazine I’m working for, where the image is published now.

    I was wondering who’s the right person to talk to about that?

    Thank you!

    • Sara

      Hi RRD Magazine,
      We appreciate you letting us know that you’d like your photo removed and never want to publish any content without consent that belongs to someone else. Can you please email me at and let me know which photo belongs to you and I will be sure to take care of this immediately.
      Thank you, talk soon!

  17. Pitter Packer

    Thank for your sharing , At this time I always find a saving tips to save money. I’d suggest everyone It’s a good coupon site

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