Start or increase contributions to your 401(k)
If you’re not taking advantage of your employer’s 401(k) matching, you’re doing something wrong. Know how much your employer matches, and resolve to put aside at least that percentage of your paycheck to get that free money. Whether you’re using it, your HR department is likely adding that in as a somewhat hidden cost of hiring you. It’s time to take advantage of it. Once you do start the account, it’s a good idea to increase your contributions every time you get a raise or when a new year comes around.
Almost any price can be negotiated, anywhere and anytime. Everything from the price of a new car to your gym membership and medical bills are up for discussion — all you need is to know a little bit about what you can negotiate in the first place. In most cases, comparing prices and doing some research ahead of time are all you need to strike a better deal than the sticker price.
Pack your lunch
Even your occasional weekly lunches out can rack up major costs. At last count, the average American spent $50 a week on their lunchtime meal. At least $20 of that is spent on meals bought at restaurants and for takeout instead of brown bagging it. That can rack up to thousands of dollars of a year, which you can cut by large margins if you make economical choices and bring leftovers.