100 Practical Ways To Save Money

There are many practical ways to save money that won’t make you feel like you have to sacrifice all of life’s small pleasures. Implementing even a few of the tips below will help you set aside some cash for a rainy day, a trip, or that big purchase you’ve been eyeing.

You’ll feel like you’ve picked up a second job without having to spend the time and effort on a side hustle. Whether you’re looking to pay off debt or grow your bank account, these tricks are sure to put extra money in your pocket.

1. Create a Budget

The first step to saving money is knowing where your money goes. Start by writing down all of your regular bills for the month (using your bank statement can help): housing, utilities, car and/or debt payments, groceries, subscriptions, etc. Once you’ve added up every expense you can think of, subtract that number from your monthly take-home salary or estimated earnings. 

 

The amount left over likely won’t be the amount you save. There are always expenses other than our usual costs of living, such as a fun evening out or an unexpected flat tire. But look at the number and use it to help you determine a reasonable amount you could set aside each month. Start with a goal, whether it’s $5 or $500, to put in savings each month or week, put it in your budget, and stick to it. Treat that goal like any other bill; a non-negotiable that has to be put toward your savings account, no matter what.

2. Cut Unnecessary Subscriptions

While you’re making your budget, you may notice you have a lot of subscriptions. Many of us hardly use some of the subscriptions we pay for every month. Do you really need that box of goodies you saw advertised on Instagram? How many of those items do you actually use? Are you paying for a streaming service that you bought a few months ago just to watch one show or movie and then forget about it? Review your subscriptions, decide which ones you barely use or can live without, and look forward to putting that money toward your savings goal instead.

3. Cook at Home

Restaurants and drive-thrus are charging for more than just the cost of the food they provide. You’re also paying for service, preparation, cleanup, building costs, and more. When you take the extra steps to prepare meals at home instead of dining out, it shows in your wallet. 

 

Cooking at home is one of the most practical ways to save money. Skip the takeout menu and instead head to the grocery store – or, better yet, make something using ingredients you already have at home. 

4. Use Coupons and Discounts

We often pay full price for products when there are perfectly good discounts available. Before heading to the register or checking out your cart online, do a quick Google search to see if there are any coupons or promo codes for the items you’re buying or for a similar substitute. You can also ask the sales associate if there are any deals going on currently or coming up soon.

5. Reduce Dining Out

Perhaps you’ve made a habit of dining out. Whether it’s a weekly happy hour with friends, a date night, or your night off from cooking, eating out is an expense that quickly adds up when done regularly. 

 

Look for other activities you can do that are just as fun as dining out. Instead of meeting friends out for dinner, try cooking together at home, or going on a walk instead.

6. Buy Generic Brands

There are usually multiple brand options for nearly every product we purchase. Take your time at the grocery store to compare prices and go with the less expensive or generic brand. If you check the ingredients you will see that generic brands are almost identical to the better-known name brand but cost a fraction of the price.

7. Brown-Bag Your Lunch

Everyone has to eat several times a day, so it makes sense that cutting food costs significantly contributes to saving money. If you’re in the habit of getting takeout or fast food during your lunch break, bringing a sack lunch will help you save a lot of money each week.

8. Cancel Unused Gym Memberships

Much like subscriptions, many of us pay for gym memberships we don’t actually use. Ask yourself, when was the last time you went to the gym? Do you go often enough to justify the cost? Some gyms offer memberships at different tiers and pierce points; if you don’t want to cancel, see if you can downgrade your membership to a cheaper option. Replace your gym time with outdoor or at-home workouts – there are plenty of free instructional videos on YouTube that will help you work up a sweat from the comfort of your own home, even without equipment.

9. Use Public Transportation

Even if you own your car without making payments on it, gas, maintenance, registration fees, etc., can really add up. If you can give up your car entirely, you may save hundreds of dollars every month.

But even if you swap your drive for public transport, you can save on gas money, reduce your risk of damaging your car, and lower your mileage. And if you’re in the habit of using rideshare apps, replacing them with public transport will save you lots of money with every trip.

10. Buy Secondhand Items

Thrifting is not only good for your wallet, but it’s also better for the environment. You can score great deals on clothes, furniture, kitchenware, electronics, equipment, and more by purchasing them secondhand. And you don’t have to rely on a brick-and-mortar thrift store to have what you need – websites like Poshmark, Facebook Marketplace, and eBay all offer a huge selection of gently used products that cost a fraction of the original price.

11. Negotiate Bills and Fees

Sometimes, you don’t have to pay as much on a bill or fee as you think. For example, medical bills are often negotiable based on income. Some banks waive late fees as a one-time courtesy if you give them a call or have programs to help lower interest payments on your credit card. There are even programs for Internet service and other bills that can be reduced if you meet certain requirements.

Look at your expenses and do some research to find out which of your bills could be negotiated into being reduced or even eliminated completely. The time you spend making calls and online searches will be well worth the money you end up saving.

12. Plan Meals in Advance

When it comes to saving money on food, meal prep is your greatest tool. Cooking in batches and saving pre-portioned helpings for later will not only help you resist the temptation of dining out but also save you time in the kitchen throughout the week. Make a big batch of stew, soup, or other bulk meal and divide it into containers to use as easy meals later. You can even freeze some as a healthy alternative to a store-bought frozen dinner later.

13. Set up Automatic Savings

One of the most practical ways to save money is to automate it. Many banks and apps allow you to automatically put a portion of your income into a savings account. Tip: try not to not use a paid app or service that claims to help you save money. You can do it on your own for free.

14. Avoid Impulse Shopping

You can still go on shopping trips while saving money, as long as you make sure to stick to the budget and only buy the things you set out to purchase. Those strategically placed items in the checkout line or store window are certainly tempting, but think how much better you will feel about putting that money in your savings instead. You could even go into your banking app and put the dollar amount of the item you want to impulse buy into your savings account right away. And if you need to budget for some fun spending, set a dollar limit and do not exceed it. 

15. Sell Unused Items

You could be sitting on a goldmine of unused items in your home. Just as buying secondhand items is one of the practical ways to save money, selling your gently used goods is a way to bring in some extra cash you can put into your savings account. You can find brick-and-mortar stores that will buy your clothes, electronics, and more, or sell them on apps and websites like Poshmark, thredUP, Depop, Craigslist, and Facebook Marketplace.

16. Buy In Bulk

Although this savings tip can be tricky, sometimes it saves money in the long run to buy more of a product at once. The key is to only do this with items you are absolutely certain you will need to purchase again in a timely manner, such as toilet paper and kitchen pantry staples. Keep stock of your items so you don’t make purchases you forget about and end up with clutter and unnecessary expenses. And, if you are trying a product for the first time, it might not be the best idea to buy in bulk until you know you will like it and use it again. 

17. Comparison Shop

There’s almost always a better deal out there for nearly any product or service you need. If your car needs a new part, don’t just take your vehicle to the nearest mechanic you can find. Call around for different quotes to see where you can get the lowest price. It doesn’t hurt to mention another shop’s quote and ask if they can match or beat it. If you’re shopping for an appliance, browse multiple stores online and in person to see which one has the best deal.  

18. Use Cashback Rewards

One of the most practical ways to save money is to make your spending work for you. If you know you handle credit cards responsibly, look into one that offers cash back on purchases. Many companies offer rebates for certain purchases, and they will reimburse you for a portion of your purchase if you send in your receipt. 

19. Eliminate Cable TV

Ditch cable and either switch to cheaper streaming services or eliminate television completely. You can check out movies and entire seasons of shows from your local library for free. 

20. DIY Home Repairs

Instead of paying for an expensive home makeover, save a lot of money and pick up some new skills by doing it yourself. You can watch YouTube videos to learn how to do nearly any kind of renovation project you desire, and sales associates at your hardware store will be happy to help you pick out the supplies you need. 

21. Avoid High-Interest Debt

Another one of the most practical ways to save money is to avoid or reduce your debt. Prioritizing paying off loans and credit cards will help you save a ton of money in interest rates in the long run. If you are just starting out with credit cards or loans, make sure you budget in your full payment every month. 

22. Cut Down on Energy Usage

Turn off the lights, air conditioner, heater, and fans when you’re not at home. Unplug electronics you’re not using, and try not to leave the TV on overnight or as background noise during the day. 

23. Refinance High-Interest Loans

 

You may be able to get a lower interest rate by refinancing high-interest loans. Talk to our bank about refinancing to see if it can reduce your interest rate, saving you some money each month.

24. Use a Programmable Thermostat

Although there may be an upfront cost to install it if you don’t already have one, programmable thermostats can help you save money in the long run. They can be set to automatically change the temperature at night or while you’re away from home, reducing your cooling and heating bills. 

25. Buy Used Cars

Everyone loves that brand-new car smell, but a new car depreciates in value the second you drive it off the lot. If you’re in the market for a new vehicle, consider purchasing a used one. If you don’t own your car and want to save on monthly payments, consider trading in for a less expensive model.

26. Repair Clothing

One of the more practical ways to save money is to make the most of what you have instead of buying new things. If your favorite jeans have a hole in them, that doesn’t mean you have to splash out on a new pair. Instead, make a cute patch out of scrap fabric or simply sew the hole shut. You’ll get to save money and keep your trusty pants!

27. Shop During Sales and Clearance Events

If you don’t need a product urgently, it’s worth waiting for a bargain to save some money. Amazon Prime Days and Black Friday are known for their massive sales, but you can also wait for items to go on clearance. 

28. Reduce Water Usage

You can save on your water bill by being more mindful of your water usage. Taking shorter showers, turning off the faucet while you brush your teeth, and watering your lawn for less time are all ways you can cut costs. You may also want to invest in items like low-flow toilets and shower heads to save more in the long run.

29. Carpool or Rideshare

Apps like Uber and Lyft are convenient, but they cost a lot of money. Many apps offer options to share your ride with other passengers to reduce costs. You may also cut down on the expense of using your own vehicle by carpooling with friends and coworkers. 

30. Reduce Alcohol Consumption

Alcohol consumption is ingrained into many of our social outings and rituals, and it’s a costly habit. Ordering water or soda instead of alcoholic beverages while dining out can significantly reduce your bill, especially if you’re used to having more than one drink. Try reducing the number of times you consume alcohol per week or month to cut costs. 

31. Consolidate Student Loans

You might save a lot of money by consolidating your student loans. It could help you keep track of your debt by lumping several separate payments into one, and you may get a lower interest rate. 

32. Avoid ATM Fees

One of the most practical ways to save money is to avoid paying for your money. Avoid ATM fees by planning your cash needs in advance and going to the bank, or using a debit or credit card. You can also get smaller amounts of cash back at many grocery or convenience stores (with a purchase) at no charge. 

33. Downsize Your Living Space

If you don’t own your home, housing is typically one of the biggest monthly expenses in your budget. You save on rent or your mortgage by moving into a smaller space. This will also help you save on costs associated with cleaning and general maintenance, and you may find yourself buying fewer items to keep your space uncluttered. 

34. Use a Reusable Water Bottle

Using a reusable water bottle not only helps you save money but it is also environmentally-friendly. Instead of purchasing single-use plastic bottles, opt for an attractive, sturdy container you can wash and use again.

35. Limit Vacation Spending

Everyone wants to cut loose on vacation, but you can enjoy your trip while sticking to a budget. Try to maintain the same budget you have at home while out of town, or plan in advance for additional spending on vacation.

36. Avoid Unnecessary Banking Fees

Banking charges like overdraft fees, ATM fees, monthly maintenance fees, foreign transaction fees, and wire transfer fees can really add up. Even a one-time fee can set you back in your savings goal. There are usually free alternatives to incurring these fees, or you may be able to have your bank waive a fee once as a courtesy.

37. Buy Energy-Efficient Appliances

Energy-efficient appliances can help you save money in the long run by reducing your water and electric bills. If you need to replace your refrigerator, washing machine, microwave, dishwasher, or other appliances, look for deals on energy-efficient models. Even if you spend more upfront, you can quickly recover the cost in your energy bill savings.

38. Shop at Thrift Stores

Instead of heading straight to the mall when you need new clothes, try shopping at a thrift store instead. Secondhand stores can help you build a unique and sustainable wardrobe without blowing your savings on new outfits.

39. Use Public Libraries

Libraries are a goldmine of free resources. They have more than just books; most libraries offer movies and TV shows, downloadables, and electronics you can check out. Many also offer toys, games, telescopes, and other equipment. Libraries often hold free classes and activities, such as finance management courses or craft clubs, helping you save money on education and recreation.

40. Invest in a Coffee Maker

Those daily or weekly trips to the coffee shop may seem insignificant, but the cost adds up over time. Investing in a coffee maker and a thermos can save you loads of cash each month. Plus, you’ll save time in the morning by skipping the extra errand.

41. Bundle Insurance Policies

One of the most common ways you can save money on insurance is by bundling your home and auto insurance. Check to see how much you could save by combining your policies.

42. Avoid Late Payment Fees

Staying organized can help you save on late fees. Keep a running spreadsheet or calendar of your bills as they come in, organized by the due date. Pay in full and in advance whenever possible, and set recurring payments to autopay. 

43. Eliminate Unnecessary Beauty Products

Many beauty and hygiene products can be considered a luxury rather than a necessary expense. Use your body lotion instead of purchasing a separate, pricey hand moisturizer, or opt for the single makeup brush you need instead of a full set.

44. Cancel Unused Credit Cards

Many credit cards have annual fees, and if you’re not using the card, you’re just racking up debt with no benefits. And if you use a dusty credit card once and then forget to make the payment, a small purchase could snowball into a huge expense, after interest. Canceling unused credit cards may impact your credit score, but it can also help you save a lot of money.

45. Buy Pre-Wwned Electronics

You can buy perfectly good used electronics, such as phones, computers, TVs, and more, for far less than the store price. Online marketplaces are a great way to find locals selling the electronics you need at a low price, and many electronics stores offer secondhand options for their goods.

46. Use a Cash Envelope System

One of the most popular budgeting methods is the cash envelope system. There’s just something about handing over cash instead of swiping a card that makes us more aware of how much we’re spending. Having separate cash envelopes for each expense, including rent, groceries, and activities with friends, will help keep you accountable. 

47. Reduce Car Maintenance Costs

Driving less can help you reduce car maintenance costs. Walking, riding a bike, and carpooling can all help you save money. You can also comparison shop for parts or services on your car when you need them, instead of using the first mechanic you can find. 

48. Buy Generic Medications

Like generic brands of grocery items or other goods, generic medications are typically just as effective as the name-brand alternative. Your health insurance may cover generics instead of name-brand medications. 

49. Eliminate Vices Like Smoking

You can kill two birds with one stone by eliminating unhealthy habits that cost money. Smoking, gambling, impulse shopping, and consuming alcohol are all habits you can cut that will put money back into your pocket.

50. Use Online Price Trackers

Online price trackers help you keep track of the cost of goods and alert you when items you want go down in price. CamelCamelCamel, Honey, and SlickDeals are all online price trackers that can help you score a good deal.

51. DIY Gifts

You don’t have to blow your savings on gifts for other people; after all, it’s the thought that counts. Making your loved ones presents will not only save you a buck but it will also likely mean more to them than any store-bought gift. Use your unique talents, such as baking, woodworking, crafting, or writing, to make something beautiful.

52. Maintain a Good Credit Score

Maintaining a good credit score helps you save money by qualifying for lower interest rates and fees for new lines of credit or loans. Making timely payments on your loans and credit cards pays off in the long run.

53. Avoid High-interest Credit Cards

Opening a credit card can be a great way to build credit, but you want to make sure you choose a credit card with a low interest rate. Ideally, you should pay your credit card bill in full each month to avoid interest, but a lower interest rate will help you save some money in the event that you can’t make the full payment.

54. Cancel Unused Magazine Subscriptions

Are you receiving a stack of magazines in the mail that you never get around to reading? Canceling those pesky subscriptions will not only reduce clutter but also save you money.

55. Purchase Store Brands

Many convenience, grocery, and online stores offer cheaper alternatives to brand-name products. They are typically found near the name-brand item. The ingredients and materials are often identical, so you won’t miss out on quality by saving money this way.

56. Limit Impulse Purchases Online

It feels good to fill up an online cart and hit the “Buy” button, but that thrill is extinguished when the bill for your purchase arrives. If you need to buy a few things online, put it in your cart and let it sit for a week, if possible. If you still want the item by then and it fits in your budget, you can purchase it. Try to avoid browsing around the website and looking for other products you don’t need.

57. Buy Used Textbooks

Textbooks are expensive, and there is no need to purchase a brand new book that you will only use for one semester when you can find a significantly cheaper option. Many school book stores offer used books, or you can usually find the used textbook you need at a lower price online.

58. Reduce Home Maintenance Costs

You can reduce home maintenance costs by learning how to do repairs yourself. Conducting routine maintenance and inspections will also help you avoid more expensive issues later.

59. Negotiate Rent or Mortgage Rates

You may be able to negotiate a lower rent payment or mortgage rate by talking to your landlord or lender. Be honest about your situation, provide documentation, research comparable rates in the area, and be willing to compromise. 

60. Repair Instead of Replacing

Did you break a flower pot? Try gluing it back together instead of buying a new one. Is your washing machine not working properly? Look into having a part fixed instead of purchasing a whole new machine. Repairing instead of replacing is one of the most practical ways to save money.

61. Shop Off-season for Clothing

Clothes are often much cheaper if you buy them during the off-season. Shop for your summer clothes for next year in the fall/winter, and get your cold weather attire during the spring/summer sales.

62. Buy Refurbished Electronics

Refurbished electronics are used devices that have been repaired and cleaned until they are almost as good as new. They are significantly cheaper than new products, so look for refurbished electronics in stores or online whenever you need to purchase a gadget or appliance. 

63. Use a Budgeting App

There is a wide selection of budgeting apps that will help you stick to your savings goals. Apps like Mint, Goodbudget, Honeydue, and Fudget are all apps with free versions that will support you in keeping track of your finances.

64. Limit Convenience Store Visits

Products are usually slightly more expensive at convenience stores because you are paying for the easy location and shopping experience. You may also find yourself doing a lot of impulse buying at convenience stores, and even small purchases add up over time. Plan ahead to shop at regular stores and limit those little drop-in spending trips.

65. Cut Down on Bottled Drinks

Drinking water is one of the most practical ways to save money. Instead of buying bottled sports drinks, sodas, and sparkling beverages, stick to a refillable water bottle to grow your savings account.

66. Shop at Discount Stores

Outlets and discount stores often have the exact items and brands you need at a far lower price than what you will find at the mall. Look at discount stores first before shopping at other retailers.

67. Eliminate Unused Streaming Services

Are you really using all of the streaming services you pay for enough to justify the cost? Review your streaming subscriptions and start by eliminating the one that you use the least. 

68. Reduce Beauty Salon Visits

Do as many of your beauty treatments as you can by yourself. Manicures, dyeing your hair, waxing, and more can all be done at home.

69. Carpool for Daily Commutes

You can save a lot of money on gas and car maintenance by changing your daily commute. Carpool with coworkers, your spouse, or friends to cut down on expenses.

70. Cut Down on Dry Cleaning

See if you can get out that stubborn stain at home, hand wash your delicates, or set aside time to do laundry to cut down on dry cleaning costs.

71. Buy Store Brands for Medications

Many pharmacies offer store brand alternatives to name-brand medications. Check the aisles or ask your pharmacist for the less expensive option.

72. Use a Slow Cooker

Slow cookers are inexpensive compared to broilers and convection ovens, and they are energy efficient. They allow you to buy cheaper cuts of meat that you can cook over low heat for a longer time.

73. Reduce Credit Card Interest Rates

You may be able to negotiate a lower interest rate with your credit company. Do some research and be prepared to present your case before calling the customer service number on the back of your card or going into your bank. You could also try moving your debt to a balance transfer card, which is designed to help you get out of debt at a lower or 0% interest rate.

74. Shop for Used Furniture

Instead of purchasing a brand new sofa or table, try finding one at a consignment store or online marketplace.

75. Eliminate Unnecessary App Purchases

Check your app purchases and subscriptions in your phone, and delete the apps you no longer use.

76. Barter or Trade Services

If you need a repair that you don’t know how to do, barter with a more experienced friend or professional. Offer them a service they may need help with instead of spending money.

77. Repair Appliances

You can often repair broken appliances instead of spending the money to replace the entire machine. Research how to do the repair yourself, or hiring a professional to do the repair will still likely be cheaper than buying a new product.

78. Use a No-fee Bank

If you’re racking up expenses in bank fees, consider opening a new account with a no-fee bank and transferring your funds. You may also be able to switch your account type with your current bank.

79. Cancel Unused Online Memberships

Check your bank statement for any online memberships you may have forgotten about. If you never or rarely use the service, cancel the subscription and put that money toward your savings account instead.

80. Limit Home Decor Purchases

Home decor items are fun to shop for, but they usually aren’t necessary. Seasonal items, in particular, are an easy expense to reduce or eliminate. Simplify your holiday decorations by working with what you’ve got or making ornaments at home.

81. Buy In-Season Produce

You will get the lowest prices on fresh fruits and vegetables when they are in season. Opt for frozen or canned alternatives when necessary.

82. Reduce Pet Expenses

Pets are expensive, but there are many ways you can reduce pet costs without sacrificing your pet’s happiness or wellbeing. Try grooming your dog yourself at home, or exchange favors with a friend to watch your cat when you’re out of town instead of paying a sitter.

83. Eliminate Excess Phone Features

Do you really need all those gigabytes of data or a hotspot built into your phone? Decide which of the paid services on your phone you actually need, and get rid of the ones that are unnecessarily draining your bank account.

84. Cut Back on Impulse Snacks

Snacking out of boredom or impulse increases your food costs. Consider whether you’re really hungry next time you grab a bag of chips at the gas station, or wait until dinner to get that tasty roll out of the bread box. The longer you can spread out your food purchases, the less money you will spend.

85. Buy Pre-Owned Jewelry

Clothes and electronics aren’t the only items you can buy secondhand. Plenty of people sell their gently used jewelry online or at thrift stores, ranging from costume pieces to high-end antiques. 

86. Plan Car Trips Efficiently

If you’re going on a road trip, you can save money by planning in advance. Compare hotel prices and book your stay before getting behind the wheel, or leave early enough that you can drive through the entire trip without stopping. Bring your own snacks or get them from the grocery store instead of paying for the convenience of gas stations or takeout meals.

87. Limit Car Washes

Go longer stretches without washing your car, or drive that extra couple of miles to a car wash with lower prices.

88. DIY Car Maintenance

You can learn how to do many simple repairs on your car yourself instead of paying a professional. Watch YouTube videos or ask someone you know to teach you how to change your oil or replace a flat tire.

89. Use Free Entertainment Options

A fun night out doesn’t have to be expensive; there are many free entertainment options, no matter where you live. Instead of going on a date in a restaurant, pack a romantic picnic. Rather than buying concert tickets, search online for free live music playing in your area. 

90. Sell Unused Gift Cards

There are several online markets, such as CardCash, CardKlip or GiftCash, that will let you sell or trade your unwanted gift cards. You can also ask friends and family if they would take your unused gift cards off your hands in exchange for cash.

91. Buy Energy-Efficient Light Bulbs

You can save money on your electricity bill by using energy-efficient light bulbs. They also need to be replaced less frequently, cutting down on the cost of the light bulbs themselves. 

92. Cook Larger Batches of Food

The more of a food product you buy, the cheaper it usually is. You will save both time and money by cooking in bulk and freezing some food for later.

93. Reduce Home Security Costs

You can reduce costs by ditching subscription security system plans and choosing one that has a one-time, flat fee. You can also comparison shop for the lowest price on a home security system. 

94. Avoid High-End Fashion

Generic brands are often just as high-quality as designer labels, but a fraction of the price. If you absolutely have to have your fashion fix, search for secondhand options.

95. Limit Alcohol at Restaurants

 

One of the most practical ways to save money while dining out is to limit your alcohol consumption. Opting for water, tea, or soda will significantly reduce your bill.

96. Use a Library for Movies and Music

It’s free to get a public library card, and most libraries have a plethora of movies and music you can borrow. They also have online options so you may not even have to go into the library building to check out the entertainment you’re looking for.

97. Buy Store-brand Cleaning Products

Store-brand cleaning products contain nearly identical ingredients to the name-brand ones, just in different packaging. 

 

98. Use Free Financial Tools

You can learn practical ways to save money without spending more money. Don’t pay for financial tools and apps; there is almost always a free alternative that works just as well.

99. Avoid Extended Warranties

Sales representatives can be awfully convincing when it comes to pushing you to purchase extended warranties, but most of the time they aren’t really necessary. 

100. Prioritize Needs Over Wants

If you want to maximize your savings, carefully consider each and every purchase you make. Weigh the item or service in your mind and ask yourself, do I really need this, or do I just want it?

 

You don’t have to implement every item on this list to save money. Choose a few tips that work with your lifestyle and stick to them as consistently as possible. You’ll be amazed by how much your savings account can grow when you make just a few simple changes.

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