Ways to save $$$

Tweaking expenses can free up cash—and help find money to save and invest.

You can do good for your body, your spirit, and your wallet, too:

  • Bring your lunch to work. Why not picnic with a colleague?
  • Grow your own vegetables. Invite friends and kids to join.
  • Eat out in restaurants less often. Enjoy cooking and conversation at home.

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Here’s how to buy a sweet ride that doesn't bust your budget:

  • The trick is getting the timing of your purchase right.
  • Most new cars drop in value during the first couple of years.
  • Older cars need increasing amounts of maintenance.
  • The sweet spot comes after most of the depreciation has hit.

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Here are ways to cut costs and still get the protection you need:

  • Shop around.
  • Raise your deductible.
  • Consider bundling your home and auto insurance.
  • Beef up your home’s security and disaster resistance.

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It’s good for the planet, and can save you money, too:

  • Buying energy-efficient appliances could lead to long-term savings.
  • LED and lightbulbs cost more up front but offer better value than incandescent bulbs over time.
  • To keep energy inside your home, upgrade your insulation and install weather stripping.

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Once you’ve saved some money, why not stash it away where it can do some good?

  • Contributing just 1% more now for your future—no matter your age—can add up.
  • A key is to save in tax-advantaged accounts like a 401(k) or IRA.
  • Consider saving at least 15% of your pre-tax income for retirement—that includes any potential match from an employer.

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Take action

Use our tips and tools on Fidelity.com