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Quirky Money Saving Tips For 2023

From setting a "no spend" day each week to making your own cleaning supplies, these tips will help you save big without sacrificing your lifestyle. So get creative and start saving!

Refinancing Your Auto Loan

Refinancing your auto loan can be a great way to lower your monthly payments and save money on interest. Calculating your potential savings doesn't have to be difficult either - many online tools are available to help you quickly determine if you could benefit from refinancing.

Refinancing is also a great idea if you're able to lower your credit score since it could potentially lead to a better interest rate. When all is said and done, the process of refinancing an auto loan can be incredibly simple and provide smooth sailing for your car loan. Take the time today to calculate your car loan and explore your potential savings!

Ditching the daily coffee run

Ditch your daily coffee run and make it at home instead!

Whether you're a fan of Frapuccino or prefer black coffee with an extra shot of espresso, it is easy to see why so many people reach for that convenient— but expensive— daily Starbucks cup of joe.

But why put down your hard-earned money for those overly-priced paper cups when you can just make coffee at home? With some quality ingredients and a few helpful items such as an adjustable grinder, thermometer, and French press, you can enjoy an even better cup of coffee right in the comfort of your own kitchen.

However, sometimes those weekend brunches with friends are good for the soul. And if you do find yourself dining out with friends over a warm latte, you can save money by budgeting for breakfast ahead of time and having your friends add to your Brunch Fund on the Collctiv app.

You can all set a budget for yourself and pay into the fund ahead of time so that when Sunday morning comes around, no one has to worry about paying anybody else back.

How to cut down on nights out

Stay in and cook dinner with friends!

Why go out to eat when you can stay in and make a delicious, unforgettable dinner with your friends? Not only is it cheaper and easier than having a night out, but it also offers the opportunity to dive deeper into meaningful conversations.

Cooking together provides an interactive, fun atmosphere that gives everyone something to take away besides a full stomach! You’ll have no trouble persuading your friends when they find out they don’t have to worry about swiping their credit cards or getting all dressed up—just roll up your sleeves and get cooking.

Add a bottle of wine and some good music, and you have the perfect way to unwind while spending time with the people you care about most.

Shopping at thrift stores or online consignment shops

Who said looking amazing has to come with a hefty price tag? The secret to making a statement without spending a fortune is shopping at thrift stores or online consignment shops for clothes instead of buying new.

Fashionistas looking for unique pieces should head over to their nearest second hand store for fashion finds that are sure to turn heads and leave the other envious of your style.

And if you're short on time, opt for browsing the racks in an online store – where you can discover new arrivals and snag deals that'll save you money in the long run. Of course, it also helps reduce your carbon footprint when you shop pre-loved!

How to Save Money on Travel

Take Advantage of free or cheap local attractions.

Traveling on a budget can seem impossible, but all it takes is a little research. Taking advantage of free or cheap attractions offered in the area you are visiting can be a great way to save money while still exploring what the destination has to offer.

It’s often these hidden gems that create the most lasting memories and provide an authentic experience of the destination itself. Instead of bypassing local spots for more expensive activities, take time to wander around and discover local history re-imagined with modern touches, stunning historic sites for photos and art displays that capture the stories and culture where you are staying.

All this exploration may require some online homework, but with a little bit of research you can find unique places both visually stimulating and educational – all on a budget!

Cash Only for a Week

Use cash only for a week to see how much you're really spending.

With the ease of plastic, it's easy to forget how quickly those purchases add up. If you're ready for a financial reality check, why not try using cash only for a week?

Take out a limited amount of cash and use it for all your small expenses - from coffees to groceries. Not only will this make you more aware of what you're actually spending, but it's also an excellent way to prevent impulse buying.

How to Make Your Own Cleaning Supplies

Get creative with your cleaning routine! Making your own cleaning supplies can be a surprisingly easy and cost-effective way to spruce up your home. Not only is it a great way to save money, but most of the products you'll need you probably already have in your cupboard and are non-toxic.

Need furniture polish? Try mixing together equal parts of vinegar, lemon oil and water. There are endless options to make sure no dirt stands a chance! Get inventive in your cleaning routine to make sustainable and savvy decisions for the environment, your wallet - and best of all - shine like never before!

One No-Spend Day Per Week

It's surprising how much money you save when you don't spend a single cent one day a week! Spending no money on food, entertainment, or anything at all can really add up over time. It might seem difficult at first, but with a bit of creative thinking, it's not impossible.

Instead of going out for dinner or coffee with friends, you could get everyone together for a potluck meal instead; if the weather's nice enough, why not have an outdoor picnic?

Finding inexpensive things to do that don't require spending any money is also possible – free online activities such as streaming movies, playing video games together online, or even smartphone apps are great options.

How Can Collctiv Help You Save Money?

Have you ever been in an awkward situation where you paid for the whole outing with friends, and everyone owes you money, but you don’t know how to ask for it without seeming pushy? That’s where Collctiv comes in.

Set up your group fund as you’re planning your friends events and have everyone pitch in their part ahead of time. The Collctiv app makes it easy for you to facilitate activities without having to worry about getting stuck with the whole bill. Download it here and start your money pool now!

These tips just scratch the surface of what it takes to save money on your everyday spending. If you want to get serious about saving money, try implementing all or most of these tips for one month and see how much you can reduce your spending. Come back and let us know in the comments on our facebook or instagram pages how much you were able to save!


This article is intended to provide informal suggestions that may or may not prove useful for you in saving you some money. We are not providing financial advice and would urge you to seek your own professional advice if this is what you are looking for.

Piece written by Madison Cates for Surge Marketing Online

Photo by Andre Taissin on Unsplash

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