It’s no secret that most of us are searching out ways to find some extra cash. Here are some obvious and some not-so-obvious ways to save. Apply a few of them to your own life to bank a few extra dollars over the coming months.

It’s no secret that most of us are searching out ways to find some extra cash. Here are some obvious and some not-so-obvious ways to save. Apply a few of them to your own life to bank a few extra dollars over the coming months.


Refinance - Now is a great time for some people to refinance, as 30-year fixed rate loans are hovering under 5 percent. Speak to a trusted mortgage broker to determine just how much refinancing might save you.


Sell some stuff - If you’re like me, you have a pile of unused goods in your attic or basement. Whether you auction it on eBay or sell it at a garage sale, there’s money to be made.


Shop around for insurance rates – I did this last week and saved $100 per year off our current auto and home plans. Next year, I plan to be in the position to take advantage of prepaying twelve months worth and saving another $50.


Conserve – This one is good on so many levels. Turn the lights out and unplug things when not in use. Shut off the water while you brush your teeth. Shorten your showers. A little sacrifice feels great when the utility bills arrive.


Don’t be a brand snob – Pay closer attention when shopping for groceries. I’ve been opting for the store brand lately and for most things, think they’re great. The white and black boxes (and taste) of generic food is a thing of the past.


Check your service charges – Find out how to eliminate banking service charges. Whether they stem from other bank’s ATM fees or monthly charges stipulated with a certain account type, you can likely avoid them with some small changes.


Stay home – We all need a night out once in awhile, but consider bringing the fun to you at home. Host a gathering that’s almost entirely BYO. The pressure will be off in terms of everything but having fun!


Sell unused gift cards – Sites like CardWoo and MonsterGiftCard allow you to unload those gift cards that seem to pile up but never get used. 


Stick to your lists – In the grocery store or on your budget, you’ve got to pay close attention to what’s in black and white. Don’t impulse shop in anyway if you want to stay in the black. Making sure that you remain committed to your goals is the single best way to keep some money in your pockets.


Molly Logan Anderson is a freelance writer who lives in the western suburbs of Chicago with her husband, Mike, three kids and black lab. Join Molly on her family’s journey of living a frugal life and making financial freedom their reality.