25 ways I save money: The full list
Here is the full list of the top 25 ways that I save money. The expanded versions of each set can be found in
25 Ways I Save Money: Part 4 and
In each section I gave a little bit more detail on what I do and how it has caused me to save money in my daily living.
These are things that I actually do myself to save a penny here and there and they have all worked for me. Try them and see what happens.
Top 25 ways I Save Money: Part 1
- Do not buy things from vending machines
- Buy in bulk
- Use Compact Fluorescent bulbs
- Use natural light
- Open the windows
Top 25 ways I Save Money: Part 2
- Order free samples online
- Use candles
- Turn off unused appliances
- Make my lunch
- Pick up pennies
Top 25 ways I Save Money: Part 3
- Automatic savings plan
- Pay bills online
- Reduce interest rates
- Take the bus or walk
- Cook for multiple days
Top 25 ways I Save Money: Part 4
- Use coupons
- Buy generic
- Keep extra money in high yield savings instead of checking
- Use the library
- Wash dishes by hand
Top 25 ways I Save Money: Part 5
- Re-use plastic shopping bags as trash bags
- Use a water filter
- No cable
- Use paypal for purchases
- Make lists…and stick to them
This is my top 25 list. What are YOUR tips for ways to save money?
Related Posts
- 25 ways I save money: part 3 of 5
- 25 ways I save money: part 4 of 5
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- 10 ways to save money
- 25 ways I save money: part 5 of 5
90 Responses to “25 ways I save money: The full list”
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These suggestions are great, adding them up in a lot of people’s cases would probably result in HUNDREDS of dollars in savings just for a month’s budget.
I had utterly forgotten about paypal’s awesome money market rates & their 1% cashback. I’ll have to sign up and get a replacement debit card. I used to use their card overseas because there was no international ATM fee, and their exchange rates were pretty reasonable.
A great alternative to the library is using internet book swap programs. Basically you list any books you’d be willing to give out, people request them, you ship it to them at media rates ($1.50-ish) and get credit towards borrowing other people’s books. I like this option because I can keep a book indefinitely if I want (and no late charges!).
I got rid of all credit cards and sew some of my clothes. I get cast off clothes in second hand shops because in DC people get rid of GREAT clothes.
Hey Willster thanks for visiting. I have not looked at the book swap thing because I am satisfied with the selection from my library so far.
Econo Girl…thanks for visiting as well. I am not into sewing so that option will not work for me. I have been trying to get rid of the credit cards and I was doing well but then some recent events will be forcing me to use them again soon.
Here’s two we’ve used in our apartment:
In the winter, placing towels and blankets around the edge of our front door. I would do this normally to prevent a draft, but our door is just slightly off alignment which results in a gap. Every night this winter I stuffed an old towel to keep the cold out/warm in.
In the spring/summer/autumn, use a fan to circulate the air. (Goes with the open windows idea.) We don’t do this 100% of the time, but it helps.
I dont agree with the he paypal suggestion. I think credit cards give you good enough cashback rates and some cards like discover even go to 5% on certain types of purchases. I would also advise against using checking card as a credit card becuase if in case of fraud, you loose hard cash and dont have a layer of protections which credit cards provide.
One of the things we do is instead of using cloth dryer on cold/wet winter days, we place the clothes on racks and place the racks over the central heating vents on the floor. We also wash our clothes in the evening night with off-peak rates.
When morning comes, the clothes will be dry.
In response to Tehnyit:
Well the central heating and cooling vents in my apartment are on the walls up near the ceiling so that tactic would not work for me…but thanks for sharing.
In response to I dunno:
I used the paypal card for cash back before I got the credit cards that gave me good cashback rebates. it worked well for me at the time because I could see my cash immediately instead of having to wait for it to reach a certain amount before I could redeem it.
Hi Lulu,
We also use the library now instead of buying books.
The savings are incredible as we read tons of books in a year.
We do also use the off-peak hours for the laundry.
Keep the furnace not too high in the winter and the AC not too low in the summer.
Rarely buy Take-Out foods anymore. Huge savings.
Try to eat a little less. Also good for the waistline.
Do not buy magazines anymore. They just recycle stories from other magazines in different months anyway.
Those are some of the things we have been doing to increase our savings.
Maire
Hi Marie,thanks for dropping by.
I use the library also because I am an avid reader. I love getting magazines and there are a few sites that give you a free six month or one year subscription so I look around for those. A good place to get magazine subscriptions for free is through Start Sampling.
Eating our neighbors saves us tons of money!
I really hope you mean eating AT the neighbors…:-)
I wonder if they are eating their neighbors with ketchup or mustard????
Marie
I prefer ketchup myself…yeah that was funny.
How about getting your hair cut for free by being a hair model at a local salon or hairdressing college?
Swapping is a great way to get rid of your clutter whilst getting new things. Have a clothes swap party where you invite a few friends to bring over the clothes they don’t wear or want! The satisfaction of getting a new wardrobe doesn’t have to cost you a penny!
I always swap to clear my house. Its great way to socialize too.
I think “buying in bulk” needs to be paired with restraint. I have gone into Costco, and I find myself buying things I normally don’t buy (like a gallon of salsa one time). I bought it in bulk, heck yea. But then I had to eat so much of it over the next two weeks so that it wouldn’t go bad. Thus, I spent a bunch of money on salsa over two weeks and forced myself to eat a bunch of it when I normally don’t eat that.
I agree with you Flimjo that one has to apply restrain
on shopping in bulk.
Otherwise, it only brings a person to eat more and in the long run, it’s not a saving.
Marie
@ Flimjo and Marie:
Yes it is good to remind readers that they should not buy things in bulk JUST because they can get the bulk prices.
I would only buy things that I know I use. One thing I really liked about living overseas was that I could get canned milk by the carton which was much cheaper than getting individual cans.
So I get things like toilet paper, socks etc. that I know I will be using.
Flimjo: funny about the salsa dude!
Nice money saving tips. We save our cans and bottles for a few months, then return for the deposit and treat ourselves to lunch!
This is so useful but very hard to follow esp. if there are too many temptation inside the mall… How about not going to the mall?
@ Personal Development:
Well I don’t go to the mall anyway so I did not think to put that one in there..but if you need that then go ahead and add it as # 26
In regards to purchasing in bulk, freeze in portion sizes, then you can save items to eat when you are really in the mood for it. Salsa freezes well, and so do a lot of other items. Enjoy
@ Bud:
Thanks for the suggestions. I actually do this with most food because my mother taught me that way. It saves time to just defrost what you are going to use than to defrost a giant bag of stuff and then have to refreeze it. Great tip!
We get our hair cut at the local beauty college- much cheaper than the hair salons, and they do a very nice job, too. Haricuts are only $6.00, as compared to $12 and up at the other salons.
@ Mommyof4:
That is a great tip to save money. Thanks for sharing!
Great series and some really good tips to save money!
Well I messed up with #1. I’m a junk food junkie. I have gotten better about packing lunches though.
I go to SuperCuts for my 6-8 week haircuts. There’s usually at least one stylist who can cut and style my hair.
@ Sabrina: stop carrying cash for a week. That way you will NOT be able to get stuff from the vending machine..even though you are salivating at the thought of a pack of skittles.
And you can’t ask anyone for quarters either.
Then come back and let us know what happened.
The top ways I save money is:
1. Gave up soda. Now I drink ice cold homemade sweet tea instead.
2. Wash and reuse zip top baggies
3. Make my own on-the-go snacks and lunches.
4. Make homemade cleaners and laundry detergent
5. Make homemade facial scrubs and masks
6. Never afraid to try the store brand!
7. Ask for a rain-check when on-sale items are sold out.
8. Rebates Rebates Rebates Coupons Coupons Coupons
9. Mystery Shop retail and food and hair cuts!
10. Shop only with a list and appropriate coupons.
11. Stay out of stores in general, as often as possible.
12. Only shop for clothes at second-hand stores, and only on their 50% off tags days!
@ Cricket
Thanks for giving us your list. I like most of the things you do but I am not frugal enough to make my own laundry detergent.
@Cricket - Man, I thought I was the only one that washed zip-lock bags! My wife always rolls her eyes at me when I get the soap out with a pile of bags. I also gave up the soda habit. I was doing 3-4/day for the longest time, and now I’m saving that $1-2/day for going cold turkey. The financial benefit and health benefits are both great.
Wow, what a list. I think you have covered everything. I was going to do a post on a similar topic, but I think I will just reference this post.
Andy.
@LuLu Gal Making your own laundry soap is super easy - Why pay upwards of $11 a bottle when for $11 you can have enough to last a year? I only make mine a few cups at a time it’s super concentrated.
@MrDebtbeater yeah my Ryan looked at me strange when I washed out the ziploc baggies. Seriously SODA is evil pure evil. What do you drink instead? (water? Tea?)
Great Idea! Do you have a recipe for homemade laundry detergent?
@ Cricket:
Ok you got me. I have not made my own detergent because I am lazy! It sounds like work and I just did not want to do it. Boy you put the thumbscrews on me on that one. Now I am all embarrassed to face the other bloggers.
@ Debtbeater:
I used to wash out ziplock bags too for a while but then:
1. I am lazy
2. I heard you are not supposed to wash out baggies and bottled water bottles and reuse them.
@ Cricket - I drink a lot more water, or whatever else is around for that matter. AND I chew an awful lot of gum to keep my mouth occupied.
As for the bags, I don’t reuse anything that had raw meat in it or liquids, and I don’t wash them more than a few times before tossing them. I sure remember my mom making us reuse bags dozens of times though. LOL
Oh my gosh, this response had me rolling on the floor laughing for a good 5 minutes!!!
HL Says:
July 24th, 2007 at 3:57 am
Eating our neighbors saves us tons of money!
I really needed the laugh!!
As for the plastic baggies, I was them too if it only contained non-icky stuff. I’m thinking if I should continue to use disposable baggies. I have a bunch of tupperware I can use instead. That’ll save money instead of buying box after box of ziplocs.
These are some awesome suggestions. Thanks for sharing.
Need lawn chairs? Garbage pick them. Spring time is perfect, because people throw away stuff like that in the spring and get new ones. Half the time, they are in great shape, and just get thrown away for no real good reason.
Top 10 Ways I Save Money in this Ridiculous Economy!!
1) Own your assets instead of renting and/or leasing
Don’t get in credit card debt! Be willing to eat peanut-butter and jelly for a month straight rather than fall into the death cycle of credit card debt…
2) Carpool
3) Take banks up on offers for $50 or $100 bonuses when you open a new checking account. Most banks allow you to maintain a small minimum balance(perhaps $500) and often the time limit for keeping the account is only a few months. Open several of these accounts each year and switch them when allowed.
4) Use coupons (I save an average of 15-20% each time at the grocery store)
5) Instead of going to an insurance agent who takes a cut or the companies that have quotas to make for certain areas, check out this site that tracks good deals: http://www.insuremeonline.com/home/index.cfm
6) Exercise or play a sport for entertainment instead of going to the mall or the movies
7) Drink a glass of milk or eat an apple each time you’re hungry for a snack instead of dropping $4-5 on a value meal.
9) Watch for sales at outlet stores like Kohls and TJ Maxx. You can score big on already discounted name-brand clothes when they put on 30% off sales.
10)Make it a concrete rule to put 20% of each paycheck into a savings account.
11**) Give 10% of your earnings to charity or as a tithe to your church/religious institution. It all comes back in the end.
Save money? Here’s how I save money.
Live well below your means….and the only means is passive income….so that the extra passive income can be saved for capital on more passive income.
It’s like being unemployed and enjoying your life…how novel.
Take that homecheese. Let’s see if any of you can live like me
One of the ways I save money is by reading other people’s money saving blogs!
Lots of great tips here!
@ Frugal One:
Thanks for stopping by and I hope the tips here help you to save even more money.
1. I bake my own bread, not in bread machine, but I knead the dough and bake in oven - total cost about 30 cents and lasts two days for family of four. Actual work time to mix dough and knead takes about 10 minutes but rise and bake time is about 2 hours.
2. I buy sliced bone in ham when on sale for 99 cent/lb. Then I cut up in smaller portions and for use in sandwiches. I put rest in freezer and will thaw in refregerator as needed. I save bone and use to make base for soups, which leads to my number 3.
3. I use crock pot to make soups using scrap meat/bone from ham from above, with leftover veggies and dry beans. Dry beans are $1/lb and can feed family for 2-3 meals. When combined with home made bread, cost per meal is under 50 cents.
4. I launder in cold water overnight and line dry. I look up weather for next day to make sure it’s sunny and dry and clothes are dry in 4-5 hours in the sun. Sometimes on weekends, I wash manually by filling bath tub quarter with water, put laundry with 1/2 recommended detergent and stomp (like stomping grapes for wine) for 10-15 minutes. Drain, and rinse same way (except, without detergent). I get a workout out of it as well. Only difficulty is wringing water, so I use only spin cycle on washer to get water out afterwards.
5. Cut out meat consumption and cook from scratch. Most of my deals are vegetarian. Typical weekly grocery bill for my family is between $30-$50 and consists of flour, fruits, vegetables, and dairy. I rarely use coupons as most things I buy do not have coupons as I almost never buy processed foods. During warmer months, I make my own yogurt.
There are other things like take public transportation and walk but they may not be practical in rural areas. However, above steps can be taken by just about anybody and can save quite a bit.
My favorite way to save money is by going to http://www.dynamicshops.com before I purchase anything online. Almost every major store is listed there, and if I use their link, I get Cash Back on my purchase! If my friends make a purchase, I get a commission, too. What a fun way to save and earn money!
The best way I know to save money is….
Get a job that pays LOTS of money, live within your means an d spend responsibility. Then put money in a bank.
In my mind that’s a hell of a lot better than making your own detergent ;-
@ Jamie
It is not always possible to just ‘get a job that pays LOTS of money’. If it were that easy then we would all do it.
Making your own laundry soap really isn’t hard!! I’ve done it for years. For a laundry soap recipe and others go to http://www.savemoneytoday.net!!
To save money on my dental expenses i go to http://www.dentalpricecompare.com. It shows the average prices for dental procedures based on your zip code. That way you can see if you’re getting a good deal or being charged more than necessary.
I use the library for everything–books, cd’s and dvd’s (they have new ones that are the same as any rentals) and they have a coupon swap box were you can take or leave coupons.
Another MONEY SAVING tips that I can share is this 1-800-411 SAVE. I just learned about this service and its really free..Now, I can save huge from my phone bill especially when searching for information thru an operator…I actually had a great time searching for my old friends yesterday using this free service. didn’t imagine I can get in touch with most of them that’s why I also would like to thank those operator who patiently assisted me even if am not sure with the information i gave them. Well to my amazement, they found most my them fast and accurate. Thank you reallv!…….one more thing I would like to share is the directions that they provided me when I got lost finding that restaurant where we used to dine in years ago.That was awesome!!.. And I got those informations for FREE. Isn’t that amazing?
always shop around and look for better deals on your utilities.
this market is very competitive and you should do regular comparisons to ensure you are always on the most competitive tariff.
I get many enquiries through my website with people paying a primary rate of 22p for each kilowatt hour ont heir electricity. In many instances I have brought this down to a flat rate of approximately 10p each.
the rising cost of energy is hitting every home owner in the pocket so more disposable income, a pay rise and and excellent cost free investment is worth it.
regards
All great tips so far! I came across http://www.smarthealthbuyer.com . It says that its a way to compare health prices and get the average price based on your location for things like chiropractic, cosmetic surgery, dental, and other things too.
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Thanks for the list! Interesting on the candles. Do you have a feel for how much you save by using candles for light? I definitely have found savings by buying generic as well. Check out my list of savings tips! I’m going to add some of yours to my list.
Thanks
This is great stuff. I have one thing to add. I joined DirectBuy in 2006 and have found it to be a great money saving tool. My husband and I buy just about everything for our home at DirectBuy. Check them out for yourself at http://www.directbuylosangeles.com.
Going to my parents house to eat their food saves me quite a bit.
My mums buys me buiscuits and i dont think i should be eating so many, so i end up not going there so much.
I save money by giving the old heave ho to AT&T for local and long distance services on my residential landline. I switched to VoIP.
Cheap residential phone costs compared to your local telephone service provider and great for long distance.
I don’t buy soft drinks at fast food or dine-in restaurants. I drink free coffee, tea and water at work all day. I buy generic 12-packs of soda, such as ‘Big K’ at Kroger - they have flavors that taste like Coke, Sprite and many others. I take those with me for lunch when I want a drink - they cost about 20-cents each. At dine-in restaurants I order water with lemon. I can’t stand to pay for a drink plus a tax and a tip on top of that. I think I save a lot of money every week on drinks!
5 steps that my wife and I took to trim about $300 off our monthly budget by doing the following:
1)Quit the Gym (doing more walks, hikes, pushups, etc)
2)Dropped Qwest home phone and switched to Comcast Digital Voice (almost free since we already have cable and internet bundle)
3)Got cheaper auto insurance at one of those online quotes sites http://www.insurancequotehelp.com
4)Cancelled Sprint cell phone plan and switched to a pay as you go plan (we dont use much mins anyway)
5)Instead of buying books, we go to library.
We are really no worse off at all from these cuts but certainly it helped our budget.
Good for you and your wife Van.
Nice article, another way to save money is with the new CDRP just released in the US and approved in all 50 states. The CDRP Collision Deductible Reserve Plan can save a family up to 40% on their auto insurance.
Also make sure you max out your companies 401K deductions. Once you start you will not miss the money and if your company matches a percent then you have an immediate gain already set aside for retirement.
I save about $120 per month on pain meds and massage for my back and sciatica by using these Advita Energy Bands for pain and recovery.
Not sure how they work but when mine first arrived my sciatica was hurting real bad I put on a comfort band got in the car to go to lunch and when I got out of the car 5 min later my back did not hurt. I could not believe it. I have never had this happen with the pain pills which make me feel slow to boot. I stopped using the bands one week just to see and the pain was back so they work for me.
They do offer a 30 day guarantee and I use the sleep discs to help insomnia too.
this list was very helpful. i was impressed. it opened my eyes to many things i do everything that i can do in different ways to save money.
@lynette, after reading this blog,I have learnt a lot on how to deal with my finances. Even with my experience as a risk analyst,I still visit Lulu’s blog to get some tips.
@ Current Accounts
Share some of your strategies with us. I am sure as a professional you have a better insight….than someone like me who just stumbled along making mistakes and then writing about them.
Great list!
Pascale
Should have added Invest in retirement program before taxes.
Bill M’s last blog post..Investing 101: True Cost of $1,000 Computer
@ Bill
I cannot add that in the list because it is not something that I have PERSONALLY done. this list is the things I do every day….not a list of what everyone should do.
When I start investing I guess I can list that…but thanks for the tip.
I use coupons, raised the deductable on my car insurance so the monthly payment is cheaper, watch free TV online, pay $5 a month for my cell phone service and lots of other things. You can see more in my article here:
http://www.ehow.com/how_4618264_spend-less-save-more-money.html
Cindy’s last blog post..Watching Free Movies Online - Legally
I use coupons, raised the deductable on my car insurance so the monthly payment is cheaper, watch free TV online, pay $5 a month for my cell phone service and lots of other things. You can see more in my article here:
http://www.ehow.com/how_4618264_spend-less-save-more-money.html
Unfortunately I cannot raise the deductible on my car insurance because the terms of my loan forbid it. Bah!
Hi Everyone!!
I just found this website and I must say, it’s awesome meeting new people who are frugal. I am trying to do my best at cutting down my expenses and paying off the dreaded credit card bills. Hopefully with everyone’s suggestions I will be able to do that asap.
My favorite way of saving money is CVS. Their bonus bucks make it oh so good. I once had a total of $75 and after all the extra care bucks, it came out to be $1.10
I take the cooking food for a week one step further, I usually make enough plates for 5 meals a week for a month. That way I am only cooking 2 days a week, not only does it save money but time as well. I also use my credit card like a debit card so as soon as the charge shows up I pay it. Just a tip about PayPal, if you use your bank account for purchasing goods PayPal usually charges a $1 fee per transaction so a lot of purchases could end up costing you a lot of lost money to the PayPal bank account.
After reading your post I want to sign up for a ING savings account. COuld you please email the invite for the bonus?
thank you
Jenn
I:
stopped using paper napkins and use cloth ones
make my own laundry detergent
opened a high interest savings account at a “virtual” bank online
buy dry cat food in bulk
ASK for lower rates (I lowered my phone bill by $25/month just by asking!)
do market research sessions ($100 for one session next month)
fill in rebates
use coupons (only for stuff I’d already buy) combined with sales
sell old stuff on ebay
donate other stuff (helps folks and lowers my taxes, too)
buy bulk toilet paper, tissue and paper towels from janitorial suppliers online
ALWAYS search for online coupon/discount codes when shopping online (saved $20 just by googling for one today)
make my own bread
makes pancakes, waffles, oatmeal, etc. instead of buying RTE cereals
I created spreadsheets analyzing costs for toilet paper, tissue, and paper towels. Sounds crazy, I know BUT I found out (for example) some tissue costs over FOUR TIMES another tissue — 400% more for something you just wipe your nose with and throw away!
For all of these paper items, manufacturers use different sizes (even for toilet paper sheets!), different number of sheets per roll or box, etc. that make it difficult to judge one against another. Now with my spreadsheets I can really see COST PER AREA of these items. It was eye-opening to me.
A few ways we’ve saved:
1. We didn’t cut the cable, (we have bundled high speed, cable and phone service) we called the company and asked for a “rebundle” of the same services. sure enough, same services, but $30/mo cheaper.
2. We called our credit cards and asked for a lower rate. Excellent results.
3. We started buying green (unroasted) coffee at a local African Market and roasting it ourselves. Better product $2 per pound.
4. I got laid off. Initally, I thought this would be our financial demise, but it’s saving a fortune, even though I had a good job. I now cook meals at home, shop in bulk (with restraint), have the kids out of daycare and we don’t ever eat out due to overtime. While we’re making 1/2 of what we were, it feels like 2x as much. In just three months we’ve gotten ahead in paying off our debts by $16,000 and we’re months ahead of schedule.
5. We track everything we spend in Mint.com and we’re accountable to it. (Slashed our food budget twice in half in successive months this way).
I’ve blogged about our experiences both cutting spending and starting savings at http://www.pennywisefamily.blogspot.com. Love your blog–these are great tips.
Great article! One way that you can save money is by using gas and grocery certificates and rebates. Every time you shop at select stores, you can receive either a gas or food coupon. Also, if you’re a business owner, you can offer your customer rebates.
We have also enjoyed the benifts of a one income family. But living in a lower cost of living area has made a cheap life possible. How else could a family of five live off $2000 a month and still have extra? We have found making a menu based off store sales flyers has cut grocery budgets. We dropped a second car and bought a motorcycle ( my hubby still owes me for that one). Try using viegar as a fabric softener (there is no funny smell)
Nice post
A budget is a spending plan that includes everything you will spend money on. A good budget is a spending plan that includes everything you will spend money on and stays within your income.
Budgeting tips, information, advice, and resources to help you set up a successful budget and stay motivated.
Budgeting is something that many of us don’t like to consider as we think it will tie us down. But if you really stop and think about it, budgeting is simply a means of looking at your income and expenditure and deciding on what is most important to you.
When I run the dishwasher, I run it at night and I set it to air dry… doesn’t take the electricity to heat the dishwasher to dry the dishes & they are pretty dry by morning when I put them away.
There is a great money saver out there that does not require a major sacrifice…purchase a “Navy Showerhead” with a “soap up shut off valve”. It will save you several hundred a year on your water bill without having to hurry out of the shower. The shut off valve is great for when you are trying to shave your legs…that way you can keep the shaving gel on your legs instead of it rinsing off. If you search for low-flow shower head on the internet it will come up with a very small plain looking showerhead…that is the one. It usually only costs $10.00—and it is sooo worth buying!
Hi LuLuGal, First time here and I’ve enjoyed along with gathered many interesting ways to say money. Some I already try to stick to and some I’ve never even thought of, so it was a fun list & educational. I didn’t get the PayPal concept though but I will have to go over to my PPacct. and check out what you all are talking about. I do agree with the buying in bulk, one must watch itself on that one. I know a certain someone who was stuck with loads of rice enough to feed a village. I won’t mention any names but she did learn her lesson, and yes she did help feed part of a village so to speak. Thanks for the helpful list. JJ
jj-momscashblog’s last blog post..Learn New Wall Street Terms
For me, the biggest obstacle in saving money seemed to be credit card. However, by now I’ve learnt how to use it to my advantage. I also learned how to get those 0% cashbacks, it’s my time to rip off the banks! Hehe..:p
That’s valuable stuff right there. Just started a blog and I think that I would learning further from this blog!
Tips To Save Money’s last blog post..5 Ways To Save Money While Getting Out Of Recession
To save money at home I turn off any light I don’t need.
I know it sounds dumb but a lot of people leave the kitchen light on or use two lights in one room. You have to turn the light off as soon as you leave a room.
Also, I don’t use anything that needs plugged in like the air freshener or night lights. I unplug anything I don’t use (and it prevents fire.. I remember this story about a toaster that caused a fire and burnt the house down ..)
Also, I don’t turn my heat on as soon as it gets chilly, I put a sweatshirt on!
At night I turn my heat down too (or when I am not home), I add a cover. I sleep way better that way and it saves me money.