Easiest way to save money

Save money - 100 tips to save yourself

Who does not know that, even if you try to save money, there is still nothing left at the end of the month. And that although you are already restricting yourself and doing without a lot. As if that weren't enough, you get the impression that friends and acquaintances are more successful in saving money and anyway have more savings than you do. But don't be frustrated, With our savings tips you will become a savings professional and your piggy bank will fill up quickly in 2020!

100 simple tips to save money

It's never too late to start saving money. Often all you need is a little push or the right tips and you're good to go. It is important that frugality does not mean doing without. But on the contrary. When saving money, it is important that it is also enjoyable. Of course, it is also important to find the right balance. So your savings will grow step by step.

Many of our savings tips are very easy to implement and will not limit your life. Except that all of a sudden you will be saving money quite easily. Other tips, on the other hand, require a little more effort and effort. Not all of our tips will apply to you. It doesn't matter! Go through the list and just pick out 10-20 tips that you then apply consistently. Soon you will see your piggy bank fill up.

Tip: Do you have friends and acquaintances whom you would like to help save money? Then share this list with them - they will be grateful to you!

Another option is of course to make more money - you will find some food for thought in our article 50 tips for making money.

1. Set aside money at the beginning of the month or set up a fund savings plan

A good tip to save money is to transfer a large amount to a savings account at the beginning of each month. A daily money account is suitable as a savings account, for example.

A big advantage of this method is that, should you spend more money than planned, you have to transfer it back. This protects you from impulse purchases and helps you save money.

With fund savings, you save a pre-defined amount monthly or quarterly. The amount will be withdrawn from your account and automatically invested in the selected investment fund, so you don't have to worry about anything.

2. Get your rent back and lower your rental costs!

Anyone who lives in a rented apartment has high monthly burdens. Although there is a kind of cap on rental prices for old apartments in the Tenancy Law with the guideline rent, many tenants continue to pay excessive rents. It is possible to get back the rent that was paid too much in the past years and to lower the future rent!

So-called litigation financing companies such as Rent Down help with this. Rent Down bears the costs for lawyers, experts, etc. This means you can get money back without stress and save on future rent! Even if such a procedure fails, a customer of Rent Down does not have to pay anything.

3. Use a shopping list

Write down all the groceries at home that you want to buy and stick to this list. When making the list, think about what you want to eat or cook for the next few days. In this way you prevent the purchase of things that would otherwise spoil in the closet and you also save money.

Nice additional effect: the environment is also happy because you avoid rubbish and don't have to throw away any food in the future.

4. Remove or replace groceries from your grocery list if they increasingly spoil you

Has the bread or your fruit spoiled again? Then buy less of it or replace it with a different food. We buy many things out of habit. If you're looking to save money, cross these foods off your list.

5. Never go shopping hungry

Internalize this rule! Everyone knows the feeling when you chase hungry through the supermarket shelves and suddenly everything is delicious. After such a purchase, the car is full of biscuits, chips and other "healthy" things that you would not have bought if you were not hungry. There is another way to save money.

Therefore our tip: Eat something before you go shopping - for example a muesli bar or a banana. If necessary, when the refrigerator is absolutely empty, drink half a liter of water.

6. Watch out for food promotions

Promotions like 25% off a certain range are a great way to save money. Every supermarket chain regularly publishes brochures in which the latest promotions are advertised. But don't worry, you don't have to have tons of paper sent home to you every week. That wouldn't be particularly environmentally friendly either!

One solution is, for example, the campaign platform http://www.wogibtswas.at/, which publishes all leaflets and campaigns online. This saves you a lot of money without much effort.

7. Compare electricity tariffs and switch providers

Have you had the same electricity provider for ages? A change can often save several hundred euros per year. The uncomplicated tariff calculator from compera.at can help you to find a suitable and affordable tariff. Depending on your place of residence and your consumption, appropriate tariffs will be displayed and the savings calculated for your current tariff. You can change the electricity provider directly via compera, whereby compera also terminates your old contract.

Savings tip: If you really want to save money, you change your electricity provider every year. Most providers offer a new customer discount that makes electricity really cheap.

8. Compare gas tariffs and switch providers

The same applies to the gas tariff as to the electricity tariff. If you want to save money, look for cheap offers online, change providers and thus lower your fixed costs.

9. Don't buy ready-made vegetable mixes

Who doesn't know the vegetable packs from Marchfeld? But is it really always necessary to buy a ready mix? If you buy the carrots and peas and then mix them in the pot, it tastes just as good, is just a little more work (peeling the carrots) and saves a lot of money in return.

10. Don't blindly trust the best-before date

Many foods last far longer than stated on the best-before date. Some foods - for example in tins - even last almost forever. The food industry is obliged to indicate a date on every product. And since industry and retail cannot afford a product to really spoil before the best-before date has expired, one is very careful with this assessment. For more information, click here.

If a product recently expired, just use common sense. Usually you can see, smell or taste whether something is still suitable for consumption.

11. Make a hobby of overcooking leftover food

Those who recycle leftovers save a lot of money and also protect the environment. Besides, it's fun when you use the leftovers in the fridge to prepare a really tasty meal.

There are now a large number of websites and even apps that help to transform all leftovers into a new toque dish. Here is a short selection: http: //lmgtfy.com/? Q = resteverw ... The excuse of not knowing what to do with the leftovers no longer applies.

12. Eat less meat

Real bargain hunters don't save in the wrong place! Those who save on meat do not live sustainably and harm animals and their environment. Behind every piece of meat there is a living being that deserves a species-appropriate attitude. Unfortunately, low prices for meat are in contradiction to this.

Therefore, do not save on quality, but on the amount of meat you eat. It doesn't have to be meat every day. A start is, for example, to introduce one, two or three meatless days per week.

13. Avoid fast food and ready meals

Have you ever felt really good after eating a burger and fries from the fast food chain or a frozen pizza? And the worst thing is: an hour later, the body is already demanding more calories. Most of us feel like this or something like that when we eat fast food or ready meals.

As always in life: The dose makes the poison. Anyone who occasionally gets a burger or shoves a pizza into the oven is not putting too much strain on his wallet or his health. However, those who regularly use fast food have a problem.

Our savings tip: Set yourself a limit, such as only eating fast food twice a month. It's easy to do, and it will save you money and protect your health.

14. Shop at discounts

You can usually buy staple foods such as pasta, sugar, flour, fruit and vegetables at very low prices and in attractive quality at discounters. Of course, you have to limit your choice a bit, because you won't find pasta from 10 different suppliers, for example. But hand on heart: do you want to deal every time with which brand of pasta you want to buy this time? This not only saves you money but also time and nerves.

15. Eat more pasta with sugo or pesto

This is one of the ultimate tips for saving money. Anyone who has just studied or has already studied immediately understands what is meant. There is simply no cheaper food that is quick to prepare and really filling for so little money. If you like to eat healthily, you can also buy a salad. So two people can enjoy a meal for a total of less than 4 euros.

Attention! A balanced diet is important for your health and will save you money. So don't just eat pasta with sugo! ;-)

16. Order less food

The same applies here - if you order something every now and then, you can still stay healthy and save money. However, those who order food four out of seven days a week are very negligent with their money and, in most cases, their health too.

Here's another money-saving tip: Pay attention to where you are ordering! Online an order location can quickly look like a reputable restaurant. In reality, however, it may be a takeout that you would only visit in the morning hours after a long night of partying.

17. Make time for breakfast

Who does not know the saying: "Breakfast like an emperor, lunch like a king and dinner like a beggar". A healthy, rich and balanced breakfast provides you with optimal energy for the day and makes you more productive. It also curbs your cravings for an expensive lunch, which can save you money.

18. Take a lunch pack with you to work or college

Those who go to lunch every day either spend a lot of money or eat sausage rolls every day. If you go to a restaurant or inn, you pay an average of EUR 10 per day for a menu including a drink. That makes EUR 50 per week and EUR 200 per month. That's a nice amount to save. Those who eat sausage rolls every day may spend less, but do not live healthily.

So if you really want to save money and take care of your health, you can take your food with you from home.

19. Prepare a snack for longer trips

If you travel longer or have to commute regularly, you should prepare a healthy snack at home and take it with you. Whether at the train station, airport or the motorway service station - the food there is usually far too expensive and often of mediocre quality. If you want to save money, you should prepare everything for the trip at home.

20. Order soda water instead of mineral water

Do you like to drink sparkling water? No problem, but then try using soda water instead of mineral water. Soda water is between 20% and 50% cheaper than mineral water in restaurants and bars. Do you really like the sparkling mineral water twice as good as the soda water? This is an easy way to save money.

21. Don't drink tea away

When you order tea in a café, the landlord is happy. You will then be given a cup of hot tap water with a tea bag. Think about how much money this is really worth to you and whether you don't want to save money here.

22. Big or small beer?

Going for a beer with friends? Then take a close look at the prices for a small (0.3 liter) and a large (0.5 liter) beer. The big beer is often cheaper, which is why you can save money by avoiding small beers.

Attention! Some hosts still do not manage to calculate prices correctly, which is why it can actually happen that a small beer is cheaper than a large one. It is best to always do the math yourself with your mobile phone!

23. Cancel your gym subscription if you don't use it

The good intentions often lead to you signing up for the gym, even though you go no more than every two months. Canceling such a subscription saves a lot of money. If you are stuck in a contract, you may be able to find someone to take over your contract. This is how you reduce your fixed costs.

24. Cancel magazine subscriptions if you don't read them

Are you piling up unread newspapers at home? This is a clear signal for you to cancel your subscription in order to reduce your fixed costs and save money. By the way, you also protect the environment, as there is less waste.

25. Ride a bike

Riding a bike is a clear win-win situation. You can save a lot of money that you would otherwise spend on the car or on public transport tickets. At the same time you are doing something for your health and in cities you can often reach your destination faster by bike.

26. Quit smoking

Smoking is unhealthy and very expensive. Those who want to save money are well advised to stop. I don't want to add anything about the health aspects. Books such as: https://goo.gl/6WFBa5, the free smoke-free telephone https://rauchfrei.at/, acupuncture or acupressure treatments offer good help on quitting smoking.

27. If you still smoke, roll your own cigarettes or try e-cigarettes

Rolling your cigarettes yourself can save a lot of money. A pack of tobacco costs less than two packs of cigarettes. However, almost 100 cigarettes can be rolled from it. So you can easily save over 50% compared to normal cigarettes. Another cheaper alternative are e-cigarettes, which can help save money.

28. Drinking water saves money

An adult should drink at least 1.5 liters of water a day (see: https: //www.gesundheit.gv.at/l ...). In addition to the many positive effects on health, drinking water also has a positive effect on money saving.

If you drink half a liter of water before each meal, you are less hungry and therefore eat less. This not only makes you feel better, you also save on your meal bill. If you also drink water instead of expensive lemonades, juices or mineral water, you also save money and do something good for your health. We highly recommend a refillable water bottle that you can take with you wherever you go.

29. Do more exercise

In addition to the positive effects on your health, many sports are also very cheap to practice and thus an inexpensive leisure activity. For example, those who like to run not only keep themselves physically fit, but also don't spend any money while doing so.

30. Borrow your ski equipment instead of buying new one

Renting ski equipment has become increasingly popular in recent years. And for a good reason. According to experts, buying your own skis only pays off if you go skiing eight days per season. Those who go skiing less often save money by renting skis. For more information see here: http: //oe3.orf.at/stories/2813 ...

In any case, beginners in particular should refrain from buying skis, as it is not yet foreseeable whether the sport will be carried out permanently.

31. Start reading books

Reading books has many positive aspects. You continue to educate yourself and stay mentally fit. It is also an extremely economical pastime compared to many other activities and hobbies.

An interesting aspect: Many successful and rich people read a lot, as this infographic reveals here http: //www.lesen.net/diskurse / ....

32. Borrow books instead of buying them

Most books are read only once, if at all. So with many books it makes no sense to own them permanently. If you want to save money, you don't have to buy books and borrow them from friends and acquaintances or from the library.

Saving tip: You can now also borrow eBooks. If you have an Amazon Prime account and a Kindle eBook reader, you can, for example, borrow one book per month for free.

33. Shut down pay-TV and streaming services that you don't need

Netflix, Amazon Prime, Maxdome or Sky - there are now a large number of services that can be subscribed to and which increase your monthly fixed costs. If you want to save money, you limit the number and cancel services that you no longer use regularly.

There are now enough offers that can be used on demand.This means that you can rent a film online without annoying fixed costs that are debited from your checking account or credit card month after month.

34. Sell items that are no longer needed, such as furniture or electrical appliances

Old electronic devices that are no longer required, such as cell phones, laptops, televisions or other items such as furniture, are in high demand on the Internet. Even if they are older. Better to sell such items before they gather dust in your basement and take up space too.

Everyone has items worth hundreds or thousands of euros that are no longer needed at home. You can easily sell things and save money on platforms such as https://www.willhaben.at, https://www.shpock.com/ or http://www.ebay.at/. If you don't know whether or what an item is worth, you can also look it up on these platforms.

35. Save money and buy used things

Who doesn't know that, a new cell phone or a better laptop is needed. But does it really always have to be new? You can often find great bargains on the platforms mentioned above. Often only a few months old, including legal warranty from the dealer and in top condition. So you can really save money without having to go without the latest equipment.

Furniture or other household items can also be bought used very cheaply. If you want, you can also buy used clothing. The more you buy used, the more money you save.

36. Use online price comparisons for electrical goods

If you still want to buy something brand new, you should definitely use online price comparisons such as http://geizhals.at/. This can save you some real money.

Saving tip: Many retailers keep the low online price if you point it out or ask for a discount.

37. Negotiate prices on expensive purchases or services

Just no false shame. If you don't inquire and negotiate, you can't save money either. Negotiating makes sense and saves money, especially when it comes to expensive purchases such as cars, electrical appliances, furniture and other furnishings. You can also negotiate offers for services such as car repairs, plumbers or other tradespeople and thus sometimes receive substantial discounts.

38. Buy good devices that save energy and last a long time

Do you buy cheap, you buy dear. This or something like that is an old saying that has its justification. This is especially true for devices such as fridge or freezer, washing machine or dryer. Devices that have a very good energy efficiency class are energy-saving and therefore save you money. Longevity also plays an important role. Good devices last well over 10, maybe even 20 years. A more expensive purchase price pays off compared to cheap devices that break quickly.

39. Don't buy a new car

Every child knows that a new car can lose a lot of its value, especially in the first year. Autobild.de estimates the loss in value in the first year at approx. 30%, after three years at 40% and after five years at 50%. Let us consider this using a specific example: A new VW Golf with some equipment costs EUR 30,000. After one year and with normal mileage, this car is only worth around EUR 21,000.00. This corresponds to a loss in value of EUR 9,000 in the first year. There is practically no more efficient way to burn your money.

Now many buyers justify the purchase of a new car with arguments such as that they had so many repairs with the old one and that there will be none with the new car or that it is under warranty. What is forgotten here, the statutory warranty or various guarantees do not refer to wear parts such as brakes. Used vehicles that are bought from a dealer also have a warranty - although normally only 1 year. Regardless, with a loss in value of EUR 9,000, a great many repairs would have to be necessary to get this amount.

Those who want to save money are definitely not buying a new car.

40. Do not save credit card details in accounts

If all the data is already stored online, spending the money is extra easy. You should prevent this by not saving credit card data in accounts or by deleting saved data.

Often it is enough to have to get up, get the credit card and laboriously enter the data to think about a purchase again. Pure impulse purchases are therefore more likely to be excluded and you will save money.

41. Buy yourself a freezer

A freezer or, even better, a freezer will help you save money. But only if you really use the device. The initial investment pays off over time as you can buy larger quantities in action. You can also freeze prepared dishes and, if necessary, defrost and consume them. So you don't have to throw it away and save time and money.

42. It doesn't always have to be the best smartphone

EUR 900 for a new Apple iPhone or EUR 620 for a Samsung Galaxy S7? Does it really always have to be the latest and greatest smartphone? I estimate the majority of all smartphone users do not exhaust the possibilities of their phones to the full and buy the new top models either for the wrong motive, because they see a status symbol in them, or out of ignorance and let sellers convince them of a product that they do not need.

A telephone is a commodity that should cover certain functions depending on the requirement profile. Nothing more, nothing less. And if you're not a tech nerd, then you don't need a top model and you can save yourself a lot of money.

43. Buy used linen for your children

Babies and toddlers don't care what underwear they wear. It is therefore not necessary to buy them expensive clothes. Furthermore, they grow very quickly and everything quickly becomes too small. If you want to save money, you can buy second-hand items at children's stuff markets, flea markets or internet platforms.

44. Compare your mobile phone tariff and change the provider if it makes sense

Admittedly, comparing cell phone tariffs is really tedious. It is important that you take a close look at your telephone behavior over the past 12 months. Based on this, you can use the online tariff calculator again to find the tariff that is cheapest for you. Those who change regularly can save a lot of money and reduce their monthly fixed costs.

Money-saving tip: Often your network provider will try to hold you up if you cancel and make you a good offer.

45. Use public transport

Using public transport not only relieves our roads and our environment, it is also less stressful and cheaper than driving yourself. What is often not taken into account in the cost of your own vehicle, in addition to the cost of petrol, is also the cost of wear and tear and parking costs. In Vienna, one hour of parking costs as much as a ride on the subway. Anyone who has an annual ticket only pays around EUR 1 per day, regardless of how much they travel.

Another disadvantage of driving yourself is that you are not productive during this time. If you travel by public transport, you can not only save money, you can also do productive things at the same time, such as reading a book.

46. ​​Use Uber instead of taxi

Taking a taxi is really expensive. If you want to save money, take Uber. At least on normal days (not on New Year's Eve).

Especially when you are abroad, where you do not know the area, you can use Uber to make sure that no one pulls you off the table. Would you like to use Uber for the first time? Have a friend send you an invite code. Then you and your friend will each receive EUR 10 credit for free.

47. Use car pools (also for longer journeys)

If it only makes sense to go to work by car, then try to set up a car pool with colleagues.

Anyone who regularly commutes longer distances should take a look at ridesharing communities such as blablacar.de and take part there. Regardless of whether you drive yourself or are looking for a ride, you can save a lot of money.

48. Borrow computer games or share your Steam library

Buying computer games can quickly turn into money. It is especially frustrating when the game is not as fun or played through too quickly. If you want to save money, try borrowing games from friends and acquaintances. We did that as children.

Saving tip: If you play on Steam, you can share your library with family and guests for free. You can find more information here. This is a great way to save money.

49. Try to find an apartment without a broker

Of course there are such and such real estate agents. However, my experiences as a consumer so far have been that real estate agents unlock the apartment for me when viewing the apartment and have some small talk. That was all then. It is understandable that many customers do not want to pay commission for 2-3 months' rent. Even if it's difficult, try to find your next apartment or house without a realtor.

You can simply search for private advertisements on real estate portals or, for example, follow this Facebook group. Another possibility is to look around in the daily newspapers, where many older people still advertise their apartments.

Money-saving tip: If you have the feeling that you cannot find an apartment privately, then simply hire an agent yourself who will look for an apartment or house for you. Since you have to pay the commission anyway, you can let the broker work for you right away.

50. Do not heat out the window - ventilate the window instead of tilting the window forever

If you ventilate properly, you will save a lot of money. Tilting an eternally long window means that you literally heat the window out. Here you will find instructions from the pros.

51. Make sure your windows are well insulated

Well-insulated windows and doors are very important in the cold season. When it gets cold outside, not only is the risk of catching a cold greater, you also heat out the window. If you want to save money, make sure that the windows are well insulated.

Saving tip: The best way to check with an incense stick is whether, where and how much air is flowing in from outside. Often a cushion already helps to prevent the greatest draft.

52. Become a craftsman

If you want to save money, you try to do a lot of things yourself. Thanks to the Internet and Youtube, there are instructions for almost everything, with the help of which you can do a lot yourself. Just give it a try. You will be surprised what is possible. It's also fun to learn new things and you can save a lot of money in the process.

53. Always get several offers from craftsmen and workshops

If you ever need a craftsman or a workshop, be sure to get several offers. You will be surprised how much the offers differ from each other. Renegotiating is also an obligation in such cases.

54. Do not cook on full speed

Another little tip about electricity and saving money with it. Do not use the highest setting when cooking. If you want to bring water to a boil, use a kettle. If you don't have one, be sure to use a pot lid.

When the water boils, turn down the temperature. Too high a level only consumes a lot of energy and causes your food to either burn or pass over. Saving energy saves money.

55. Only wash full washing machines

If your washing machine does not automatically detect the load, then you should always make sure to wash full loads. This is the only way to use the washing machine as efficiently and sustainably as possible. This is how it saves money.

56. Only turn on full dishwashers

The same applies to the dishwasher as to the washing machine. Clear the dishwasher properly to save money.

57. Eliminate large power guzzlers, e.g. very old refrigerators

Very old devices mostly use a lot of electricity. Here it can make sense to get a new device with a very good energy efficiency class that is energy-saving.

Old devices quickly need more than twice as much electricity than newer and more efficient devices. Converted into euros - depending on the size of the freezer - this results in additional annual costs of EUR 30 to over EUR 100. Those who invest sensibly here can save energy and money in the medium term.

58. Make your employee tax assessment (tax return)

Everyone who is not legally obliged to do so should make their employee assessment annually. This is how you get back taxes that have been paid too much from the tax office. You can now do everything conveniently online. See: https://finanzonline.bmf.gv.at.

59. Don't take an apartment that is too big

Many people live in apartments that are too large. Regardless of whether it is a rented apartment or a condominium. If you want to save money, you live in a suitably large apartment. Disadvantages of an apartment that is too large are high rental or purchase costs or high maintenance and energy costs. More square meters also mean more work.

60. Pay back old debts before you start new ones

That sounds logical, but unfortunately not for everyone. Many people go into debt in order to pay off existing debts and to be able to continue to consume. At some point it will no longer work. The only thing that can help here is professional advice and a debt reduction plan. The fact is, whoever gets into debt does not save money.

61. Drive cars that use little fuel

On average, Mr and Mrs Austrians drive 13,000 KM per year with their car. A cheap car can save a lot of money on gasoline costs.

example: With the mileage listed above and a petrol price of EUR 1.2 per liter, a car that consumes 6 liters costs EUR 936.00. A car with a consumption of 12 liters costs twice as much, i.e. EUR 1872.00 per year.

62. Take a vacation in your area

Far away on vacation? If you want to save money, it is better to take a vacation at home or in your own country. Long journeys by car or long air travel cost a lot of money.

63. Don't drive too fast

If you drive too fast in your car, you not only use more gasoline, you also endanger other road users. In addition, speeders sometimes risk heavy fines. If you want to save money, keep to the speed limits and generally to the traffic rules.

64. Turn off the lights

The grandparents always preached this. Actually, it makes sense - a room that no one is in does not have to be brightly lit. If you want to save money, it is better to switch off the light.

65. Turn off the TV

The television is on all day by the way? Then turn it off and start saving money. Not only does the television use electricity, it is also not good for your concentration. Better to only switch it on specifically to actually look. Incidentally, the most energy-saving way to do this is to switch off the TV completely.

66. Stick to the 30 day rule

You should avoid impulse buying at all costs. This is one of the most important rules in saving money. The 30 day rule helps you to protect yourself from impulse purchases.

If you want to make a new purchase, wait 30 days to make it. This gives you the chance to take another outside perspective to determine whether you actually want to make the desired investment. In most cases you will not want to buy after the 30 days and have thus saved money.

67. Apply the 10 second rule

Whenever you want to add an item to the shopping cart, you should use the 10 second rule. During this time, ask yourself why you want to buy the item and whether you really need the item. If you can't find a good answer to both questions, put the item back.

This is another way to avoid impulse buying.

68. Take your shoes to the cobbler

Are your heels broken? No problem, take your shoes to the cobbler. This repairs the shoes in no time and it is also cheaper than buying a new one. This is how you save money.

69. Mend old clothes

Hole in your sock? No reason to throw away the whole pair of socks. Better try to plug the hole. If you're not a pro at it, either take the socks to grandma or check this out:

But not only socks can be darned. Other clothing can also be restored to good condition very quickly. This is how it saves money.

70. Buy clothes that go together

Those who buy clothes that are coordinated with each other generally need less clothes and still always look good. If, on the other hand, you buy shoes that don't match any of your outfits, for example, the purchase was either free, or you walk around with an outfit that didn't match, or you spend even more money buying clothes and accessories that go with them fit new shoes.

There is another way to save money - that's why: only buy clothes that go with your wardrobe.

71. Don't pay by credit card

Unfortunately, many people find themselves in trouble because of their credit card. If you are one of them yourself, then leave the credit card at home immediately or give it back completely. This will save you money and trouble.

72. Don't fill up with fuel

If fuel costs are high, refueling can be quite expensive. If you are really tight on cash, it can help to fill up just small amounts. So you don't even think about going on longer trips or think twice about each trip because you have to drive to the gas station. An impulse excursion is impossible and you can save yourself the money.

73. Give away your time

To make others happy, you don't always have to buy something for a lot of money.Just give away your time. There are no limits to your imagination.

For example, you can give babysitting gifts to friends with children. You can give care to friends with animals. You can give sport to sporty friends together.

74. Go to flea markets

Flea markets are a great way to save money. Here you will find loads of real bargains and browsing and shopping at a flea market is also fun.

75. Use a timer and thermostat for heating

Anyone who heats around the clock is heating too much. Use a timer and / or thermostat to save money on heating.

Depending on personal well-being, 20-22 degrees in the living room and 18 degrees in the bedroom are recommended. It can be up to 23 degrees in the children's room and in the bathroom. In the kitchen, 18-19 degrees are sufficient. You can find more information about heating here.

76. Don't shop when you're frustrated

Many of us know this phenomenon. You are not having a good time, you are frustrated and want to overcome this frustration with a gift to yourself. That's a very bad idea. Most of the time, the frustration becomes even greater when you discover that the gift in yourself is not enjoyable and, on top of that, it was expensive.

If you want to save money, you can use other instruments to deal with frustration. Exercise almost always helps. Go for a run or take a long walk. Meeting friends can also help.

77. Buy generic drugs when possible

Another flu-like infection. That means we go to the pharmacy and stock up on aspirin and co. These over-the-counter drugs are very expensive and generate good sales, especially for pharmacies.

Next time, ask for a cheaper option - a so-called generic. These are drugs with the same active ingredients, which are usually (not always!) Significantly cheaper than the originals.

As the Association for Consumer Information (VKI) has found, the majority of pharmacies are unfortunately not ready to meet customer requirements. You can find more about this in this derstandard.at article. If you want to save money, buy generics and persist in the pharmacy or look for a proper pharmacy that respects the customer's wishes.

78. Cancel your life insurance or make it premium-free

Unfortunately, life insurances often fail to keep their promises. In the last few years, there have unfortunately also been regular errors in counseling. Despite certain tax incentives, life insurance is mostly expensive. That means others earn from your savings.

Saving money is easier. We recommend that you find out exactly what you can do with an existing policy. Here you will also find many tips from the Chamber of Labor on the subject of life insurance. You can find advice from experts here.

79. Rent unused space

Do you have an empty apartment or an empty basement? Then try to rent this space. The best way to rent apartments is with Airbnb.

For example, you can easily advertise an empty basement or an empty attic on store.me.

This is an easy way to make money that you can save.

80. Use Airbnb instead of expensive hotels

Are you planning a city trip? Try Airbnb instead of an expensive hotel. Here you will often find excellent apartments in great locations, at low prices.

This can result in a real win-win situation. You find great accommodation, you are on vacation and you save money.

81. Be on the lookout for free events

You won't believe it, there are tons of events that are completely free. This is a great way to save money and have fun.

Here you can find "free entry" events throughout Austria and select by federal state. If you are at home in Vienna, then gratis-in-wien from falter.at is highly recommended.

82. Cut your own hair

Granted, this tip on saving money is only for advanced savers. However, you can find a lot of tips and instructions on how to cut your own hair on the Internet. So you save yourself the expensive hairdresser.

As a woman, you can find tips on cutting your own hair on glamour.de, for example. Instructions with tips and videos for men can be found here.

83. Share things with others

Do you have something that other people urgently need? Then share it when you don't need it. This is how you protect the environment and do a friend a favor that they won't forget. Sharing things and objects with others is one of the most effective ways to save money.

84. Use car sharing

Car sharing is becoming increasingly popular, especially in the larger cities. Popular providers are car2go or DriveNow. Since owning a car generates very high fixed costs, car sharing can be the right alternative.

But be careful: even car sharing is still not cheap - especially when compared to public transport. If you only drive now and then, you can use car sharing much cheaper than your own car.

85. Write down all of your expenses for at least a year

If you want to save a lot of money, you should start observing your own spending behavior. We recommend taking notes in an expense book or using an app. If you use an app, you can also assign categories to your expenses, which also helps you to gain an overview.

Money-saving tip: Be really honest here - everything else doesn't make sense. Keep your records for at least a full year - this is the only way to record seasonal fluctuations such as vacations.

86. Change everyday routines

Each of us has one or the other routine. Routines that cost money are stupid. For example, when you get something to snack on from the same bakery every day. Or buy a letter ticket with the newspaper. If you want to save money, use a form of the 10 second rule (see above) and ask whether this purchase is really necessary at the moment.

87. Use discount portals for visits to restaurants

Admittedly, the hype about discount portals has been bigger. Still, they are a great way to save money. A prominent example would be DailyDeal. If you want to save money thanks to remaining places in trendy restaurants, stop by Delinski.

88. Be more economical on vacation

Many people believe that just because they are on vacation, money no longer matters. The money saved with difficulty is then spent with full hands. That is neither sustainable nor sensible. Those who take care not to make any unnecessary expenses while on vacation will keep the vacation in good memory even after the credit card statement.

89. Use refer-a-friend programs

Many large companies have refer-a-friend programs that are mutually beneficial. Such campaigns are popular with companies such as banks or mobile phone providers. If you want to save money, you can get real bargains here.

90. Don't run around with too much cash

This is a very simple but effective tip for saving money: just carry around little or no cash with you. This makes it harder for you to make bargain purchases for small amounts and saves you money.

91. Invite friends to your home instead of going out

Whether in a restaurant, bar or club, going out with friends in the evening costs a lot of money. It is cheaper to celebrate at home. Just invite your friends over to your home. If everyone takes a little something to eat and drink, then nothing stands in the way of a fun and economical evening.

92. Negotiate with your insurance company or change insurance

Insurance is an important topic that we unfortunately often do not deal with sufficiently. Almost all of us have a lot of potential for savings here. For example, have you been with an insurance company for a long time and pay well for your policies every month? The likelihood is high that you will overpay one or the other policy.

Savings tip: Compare online what a comparable insurance would cost and confront your insurance company with the results. Alternatively, you can speak to your insurance agent directly about the feeling that you are paying too much. Switching insurance can also help you save money.

93. Check that you are not double insured

You should make sure that your insurance policies are coordinated with your life partner or spouse. Often there are insurances that favor the partner and / or the whole family. One often speaks of family tariffs here. You can easily save a lot of money here by optimizing policies accordingly. An example of this is legal expenses insurance.

94. Leave your insurance matters to a broker

You don't see yourself out on the subject of insurance or you don't have the time or inclination to deal with it. That's fine. However, we strongly recommend that you trust an expert in this case. A good and independent insurance broker is the solution. The chances are even good that he will optimize the price of your policies to such an extent that you will save more money than the broker costs.

95. Take advantage of your employer's employee benefits

Do you work for a large company? Then you should inform yourself about employee benefits in the HR department. Large corporations or their works council often have partnerships with many other companies. From discounts when buying groceries to gas stations and numerous other service providers are possible. Special group insurance rates are also common. It's an easy way to save money.

96. Are you expecting offspring? Have a baby shower and get useful gifts.

In the United States, such parties are absolutely common. They are called baby showers - the term comes from the fact that the mother-to-be and her baby are showered with many gifts - it practically "rains" gifts. But don't worry, these celebrations are great fun. Plenty of food is usually prepared and fun games are played. You can find more information about this, for example, here.

97. Looking for baby items? Don't let salespeople take advantage of your fear or buy used right away

Strollers for EUR 1,400? Baby seat for EUR 500? There is almost no other topic that is more filled with emotions and worries than the impending birth of the first child. The parents-to-be want to prepare everything perfectly. Only the best is good enough for your own offspring.

These parents are the perfect victims of well-trained salespeople who know and shamelessly exploit their clientele's sore spots. STOP! Switch off emotions and worries, switch on common sense! What your baby needs is care, love and security - but definitely not the most expensive stroller in the catalog. Your baby doesn't care 100% about that.

Don't blindly spend money here. Many items are used for a few months. You can find the best bargains here on platforms such as willhaben.at or on children's things markets. Discounts of up to 80% are possible here.

And don't let sellers' rhetorical tricks influence you. Statements like: "You want the best for your child, that's why everyone buy XYZ" are completely unnecessary. Almost every product in Austria is extensively tested for safety.

98. Secret Santa instead of many presents

As soon as Christmas is just around the corner, the topic starts again with the gifts. When celebrating with friends or with work colleagues, elves are a great custom. Here, a draw is drawn in advance to determine who should give whom a gift. The trick is that everyone gives or receives exactly one gift. This makes giving really fun and saves you money.

99. Collect coins at home and bring them to the bank regularly

Collecting coins is also a very effective way of saving small amounts on an ongoing basis. Just look for a bigger bottle or the classic piggy bank and empty your coins every day when you get home. This way you regularly save money and you will be amazed at how quickly a considerable amount can be generated in this way.

When the bottle or piggy bank is full, you go to the bank and deposit the amount into your account. There is a coin counter in every bank foyer for this purpose.

100. Upgrade your PC or laptop instead of buying a new one

Hardware becomes obsolete very quickly. A PC that was powerful enough two years ago can no longer be enough to play the latest games or edit graphics, for example. In this case, however, you shouldn't despair and buy a new device. There are numerous ways to improve existing devices. For example, you can simply expand the RAM or install a faster SSD hard drive.

In any case, upgrading existing hardware will help you save money.

101. Give something back!

This is an important point that must not be forgotten. Many people find themselves in situations where they are unable to save money. These people need our help to get back on their feet.

Donating part of the annual savings and giving it back to society and our social system is not only very motivating and rewarding, but also sustainable. Each of us can get into situations where we need help from others. As a rule of thumb, if society is fine, then we are all fine.

By the way, you can deduct donations from tax and thus save money.

102. Book a membership in a coworking space

Coworking centers are exactly the right thing for small companies and start-ups. With a coworking space, you get a single monthly invoice for an all-in service and don't have to worry about rent, electricity and water consumption, furnishings, drinks, cleaning services, etc. You not only save a lot of money, but also time!