150 VERY USEFUL MONEY TIPS

Managing money isn’t just about earning more — it’s about making smarter choices every single day. Whether you’re saving for a big goal, paying off debt, or simply wanting to stretch your paycheck a little further, the right strategies can make all the difference. That’s why I’ve put together this massive list of 150 truly helpful money tips that you can start using right away. These tips cover everything from earning extra income in creative ways, to cutting unnecessary expenses, building strong financial habits, and making your money work harder for you in the long run. They’re practical, beginner-friendly, and designed for real life — no complicated financial jargon or unrealistic “get rich quick” promises. Just simple, actionable ideas you can try today, whether you have five spare minutes or an entire weekend to focus on your finances. The best part? You don’t have to tackle them all at once — even small steps can create big results over time. So grab a notebook (or just keep this page handy), and let’s start making your money go further than ever before.

(1–40) Money-Making Ideas

1. Sign up for Honey — auto-applies coupons when you shop online.
2. Play games to earn money (PlaySpot UK)
3. Watch videos to earn money (ClipClaps)
4. Offer tutoring in a subject you’re good at.
5. Start a blog and use affiliate marketing.
6. Sell unused clothes on Poshmark or Depop.
7. Offer pet-sitting or dog walking locally.
8. Try print-on-demand for t-shirts or mugs.
9. Flip thrift store finds on eBay.
10. Rent out unused electronics or tools.
11. Test websites for pay on UserTesting.
12. Offer virtual assistant services.
13. Create and sell digital planners.
14. Make cash with cashback apps like Rakuten.
15. Monetize your Instagram with brand collabs.
16. Sell old textbooks online.
17. Offer resume writing services.
18. Become a delivery driver with DoorDash.
19. Start a dropshipping store with Shopify.
20. Do data entry jobs remotely.
21. Edit videos for YouTubers.
22. Sell photography prints online.
23. Offer home cleaning services.
24. Do microtasks on Amazon Mechanical Turk.
25. Start a podcast with sponsorships.
26. Offer social media management.
27. Sell your notes to other students.
28. Write and sell eBooks.
29. Do yard work for neighbors.
30. Offer car washing/detailing.
31. Sell baked goods locally.
32. Create and sell stickers.
33. Teach music lessons.
34. Offer translation services.
35. Sell AI-generated art via InstaDoodle.
36. Become a mystery shopper.
37. Rent your spare room on Airbnb.
38. Test products for companies.
39. Offer computer repair services.
40. Create YouTube videos and monetize.

(41–80) Money-Saving Hacks

41. Always check Honey for coupons before checkout.
42. Buy in bulk for essentials.
43. Use Rakuten for cashback.
44. Cancel unused subscriptions.
45. Cook at home instead of eating out.
46. Shop sales and clearance.
47. Compare prices online before buying.
48. Use public transport instead of rideshares.
49. Buy generic brands.
50. Meal prep to avoid last-minute spending.
51. Borrow instead of buying (books, tools).
52. Use cashback credit cards wisely.
53. Switch to energy-saving bulbs.
54. Avoid impulse buys — wait 24 hours.
55. Drink water instead of soda.
56. Set spending limits for non-essentials.
57. Share streaming accounts with family.
58. Buy refurbished electronics.
59. Use store loyalty cards.
60. Shop out of season for clothes.
61. Make coffee at home.
62. Negotiate bills (internet, phone).
63. DIY simple home repairs.
64. Carpool to save fuel.
65. Cancel gym membership — work out at home.
66. Use free software instead of paid.
67. Unplug electronics when not in use.
68. Track expenses daily.
69. Avoid ATM fees by using your bank’s ATMs.
70. Grow your own herbs/veggies.
71. Reuse containers instead of buying new.
72. Buy quality items that last longer.
73. Sign up for store newsletters for discounts.
74. Skip extended warranties.
75. Use coupons with sales for double savings.
76. Shop at discount grocery stores.
77. Take advantage of free events.
78. Pack lunch for work/school.
79. Use a programmable thermostat.
80. Repair clothes instead of replacing them.

(81–110) Skill-Boosting Tips

81. Take free online courses on YouTube.
82. Learn graphic design with Canva.
83. Read personal finance books.
84. Learn coding basics.
85. Improve typing speed.
86. Take a public speaking course.
87. Learn to cook new recipes.
88. Practice writing daily.
89. Learn video editing.
90. Study basic photography.
91. Learn SEO for websites.
92. Take a digital marketing course.
93. Learn budgeting and investing.
94. Improve negotiation skills.
95. Learn basic DIY home repairs.
96. Learn customer service skills.
97. Take time management training.
98. Practice mindfulness and meditation.
99. Learn to network online.
100. Join a mastermind group.
101. Learn affiliate marketing.
102. Improve social media skills.
103. Learn about personal branding.
104. Study email marketing.
105. Learn how to make passive income.
106. Improve resume and cover letter writing.
107. Learn sales techniques.
108. Master Excel or Google Sheets.
109. Take a course on productivity tools.
110. Learn about cryptocurrencies.

(111–135) Everyday Life Hacks

111. Keep a to-do list.
112. Declutter regularly.
113. Wake up 30 minutes earlier.
114. Plan outfits the night before.
115. Keep reusable bags in your car.
116. Always carry a water bottle.
117. Keep snacks in your bag.
118. Automate bill payments.
119. Back up important files.
120. Keep a small emergency kit in your car.
121. Use calendar reminders.
122. Write down your goals.
123. Break big tasks into small ones.
124. Use a password manager.
125. Keep an emergency fund.
126. Turn off notifications during work.
127. Organize cables with clips.
128. Keep important documents in one place.
129. Learn basic first aid.
130. Shop with a list.
131. Batch similar tasks together.
132. Take short breaks for productivity.
133. Keep a gratitude journal.
134. Learn quick healthy recipes.
135. Always have a backup plan.

(136–150) Just for Fun

136. Try a new hobby.
137. Go for a nature walk.
138. Host a game night.
139. Visit free museums.
140. Have a movie marathon.
141. Try geocaching.
142. Cook a new cuisine.
143. Try a DIY craft.
144. Visit a local farmer’s market.
145. Explore your city like a tourist.
146. Start a small garden.
147. Make a photo album.
148. Volunteer for a cause.
149. Try meditation or yoga.
150. Learn a new board game.

Building a better financial future doesn’t mean being perfect. Just taking small steps helps a lot. Even trying one or two tips from this list is progress. You can mix, match, and adjust them as you go. Pay attention to your money now, and it will help you later. Pick a tip, take action, and start building the future you want.