Automate your savings: If you can, have part of your paycheck automatically deposited in a second account so you never even see the money to spend. You can also use your online banking to set automatic transfers to your savings account.

Stop shopping: It’s amazing how much you can save by just cutting back on shopping. Especially the impulse shopping at places like CVS and Sephora. Unsubscribe from store email lists so you’re not tempted by their sales and avoid spending your free time browsing stores.

“If traveling was free, you’d never see me again.” -Anonymous

If you must shop, shop smart: Never shop without a coupon, discount or reward. Online shop through eBates for cash back. Shop in-stores with the Ibotta app. Google coupon codes and comparison shop using sites like or Also before you make a purchase check to see if someone is selling the item you are looking for on eBay.

*Do you have an Amex card? Did you know they offer your statement credits for shopping at participating vendors? Log into your account online or on your app and look for the Offers section. Scroll through and if there’s an offer you will use add it to your card. When you make the qualifying purchase Amex will give a statement credit back to you!

Cut back on drinking & eating out: This is my number one spending vice. Cutting back on happy hours, dinners and lunches out make a huge difference in your budget. Delete your credit card information on your or account so you have to think twice before ordering.

*If you do eat out make sure you check if they have a frequent member rewards program or if they use apps like LevelUp and Belly.

Take public transport: Eating out and taxis always seem to go hand in hand with each other. Before you go out plan for the bus and subway home.



*Resale shops – While consignment is better for your designer clothing shops like Buffalo Exchange are great for getting cash for your on trend clothing that isn’t necessarily designer. Call the store and see what kinds of items they are looking for.

*Consignment – Consignment is the easiest way to make some money on your good quality designer clothing. In NYC my go-to place is 2nd Time Around. Google consignment shops in your area and call to make an appointment to bring your items in. Consignment shops will split the sale of your item with them. If it is a highly desirable item or very expensive item you can negotiate how much of the % you will split.

“Travel is the only thing you buy that makes you richer.” – Unknown

*eBay – While consignment is easiest, you have to split the sale. If you want to make the most money for your item your best bet is to sell your item online whether it’s through Poshmark or eBay.

*Craigslist – If you have furniture and home items around the house that you don’t use anymore Craigslist is a great way to sell them.

Freelance: If you have a job or skill that you can freelance try looking for freelance projects you can work on at night and on the weekends.

Get a second job: Getting a second retail job is great if you don’t want to have to give up shopping or so you can earn some extra money to save.


Credit Cards: Look out for credit card offers that offer travel rewards as sign-up bonuses. Right now the Chase Sapphire Preferred card is offering 50,000 point sign up bonus.

Airlines: Never take a flight without making sure you are collecting frequent flier points. If you are extra ambitious many airlines have programs where you can fill out surveys in your free time for extra points. Also many airlines have dining programs that will let you accumulate points when you link your credit card to your frequent flier account.

photo: Death to the Stock Photo