From cutting down on utility costs to saving money on every purchase, here are our best-ever ways (more than 90!) to save money.

Learning how to save money—thus keeping more in your pocket or avoiding debt—is no small feat. One of the biggest actions you can take to improve your finances is to learn how to budget money. When you’re budgeting well and living within your means, tackling other financial goals, such as getting out of debt, saving for retirement, or buying a house, becomes more doable. Without a budget, saving money in small amounts will only help so much.

Finding the best ways to save money is important, but it doesn’t erase the fact that the cost of living in many places is quickly outpacing (or has already outpaced) minimum wage and median pay. When you’re not making a living wage, it’s difficult to afford the essentials, and no amount of penny-pinching can change that completely. The same is true if you’ve recently been laid off or furloughed because of the coronavirus crisis: When larger forces drastically decrease your income, major shifts—such as seeking unemployment benefits, forbearance, and leniency from lenders—are necessary.

If your finances are in relatively good shape or you’ve gotten larger-scale financial aid to see you through a rough path and you’re trying to save a few dollars where you can, these ways to save money quickly add up. Depending on your current lifestyle habits, you could use these ways to save money to put thousands of dollars back in your pockets every year. In a time when financial uncertainty is everywhere, padding your bank accounts while you can is never a bad idea.

Try these ways to save money, and you may be surprised by how much you can save over time. Editor’s tip: There are a lot of ways to save money here. To find tips about certain things—like how to save money on car repairs or how to save money shopping—hit Command and f on your Mac (Control and f on Windows); you’ll be able to search this article for your topic.

Download apps that help increase your savings

Swagbucks, another one of Woroch’s go-tos, provides cash back for all your shopping. It puts cash back in your wallet by allotting you points every time you shop online or search the web. Once you gain enough points, you can redeem them for gift cards to your favorite retailers, like Amazon or Walmart.

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