Source: AARP.com Some of these tips are only for people 50 and older but a lot of them can be used by all.
Convert money into $50 bills. You’ll think twice before spending them.
Free credit monitoring
You can now get free credit-monitoring services via CreditSesame.com. Other companies typically charge about $10 a month for credit monitoring.
If you are 50 or over, you can contribute an extra $5,500 to your 401(k) plan as a catch-up contribution in 2013.
For children under age 25 still living in your home, it’s typically cheaper to keep them on your automobile insurance policy. To be on the safe side, have your agent double-check.
Don’t be penny-wise and pound-foolish. Make sure you have adequate coverage to rebuild your home in case disaster strikes. Be sure to get replacement coverage on your home and its contents
Find free stuff
Websites like Freebie-Depot.com, Mrfreestuff.com and Shop4Freebies.com offer samples of products and online coupons and rebates.
Apps from RetailMeNot and Coupon Cabin help you find deals from your favorite retailers.
Any special promotions?
Those are magic words when ordering catalog items over the phone. So be sure to ask. Many times there are special offers — including discounts or free shipping — that the operator isn’t allowed to mention unless the customer asks.
Some sites offer free shipping with a minimum purchase. During the year-end holiday season, keep an eye out for free shipping days to save on your holiday shopping.
Whether it’s Halloween costumes or Christmas decorations, many stores discount these items 50 percent or more after the holiday.
Make your own
Check the Internet for recipes with instructions for creating homemade laundry detergent. The most common ingredients are Borax and Fels-Naptha soap. A batch costs you pennies on the dollar per load.
Not just for dishes
Use about a teaspoon of liquid dish soap in your top-loading washing machine to clean your clothes. It’s cheaper than using laundry detergents — and has fewer chemicals.
Save money by not buying pricey, specialized carpet stain removers and instead create your own spot cleaning solution. Here’s how: Spray a mixture of two-thirds warm water and one-third ammonia on the stain. Put an old towel over the stain and run a hot iron on the steam setting over the towel. The heat lifts the stain from the carpet into the towel. Spot-test first.
It’s good for both your body and your mind. Look for free classes in September and October, and find a studio near you. Check yogamonth.org.
Get basic health tests by attending free health fairs in your area. You can find one online by searching under “free health fairs.”
Take a seat
Volunteer to usher at local theaters. You’ll get the satisfaction of helping out while also getting to see performances — such as concerts, stage shows, lectures — for free. What’s more, think of the bragging rights that come from supporting your local arts.
Check it out
Instead of buying your next book, borrow it from your local library. It’s free, and you get to support a great community service.
Fuel up with apps
Find cheap gas nearby. Use GasBuddy and Gas Guru. Both are free apps for your smartphone.
Car window thrift?
Keep your windows closed when driving over 55 miles per hour on the highway. Open windows can reduce your gas mileage by as much as 10 percent. In stop-and-go traffic, save gas by opening the windows and turning off the air conditioning.
You may save up to 10 percent on your auto insurance if you complete the AARP Driver Safety course. Ask your insurance agent — restrictions may apply. Details at 888-227-7669 toll-free, or find a course online.
Free tax prep
The AARP Foundation Tax-Aide program, in partnership with the Internal Revenue Service, offers tax preparation and counseling at thousands of locations during the February-April 15 tax-filing season. Trained and certified volunteers help low to middle-income filers, with special attention to those 60-plus. To find an AARP Tax-Aide site near you, check online or call toll-free 888-227-7669.
The AARP Everyday Savings Center, powered by Next Jump, offers members discounts on purchases at retailers, restaurants, spas, movies, amusement parks and shows. Learn more by visiting everydaysavingscenter.com.
AARP members can save between 10 percent and 25 percent when booking hotel and car rentals at the AARP Travel Center powered by Expedia online. They can even get an onboard cruise credit. Call 800-675-4318.
To see all 99 money saving tips go to: http://www.aarp.org/money/