The Best Ways to Save Money in 2020



Take Advantage of the Discounts You've Earned!




Our readers have worked hard to provide for their immediate and extended family now and in the future. That's why taking advantage of the discounts they've earned is one of the most important things we believe you can do. Our readers deserve to live their best lives and reduce spending as much as possible without sacrificing their preferred lifestyle. Luckily, there are hundreds of companies who offer free or discounted products.

Many of our readers are already well-versed in local and national discount programs, but there are always some programs that slip under the radar. Our goal is to bring some lesser-known programs and deals to light so you can spend your saved money on yourself and your family. Enjoy this list, and feel free to share with your friends and family.

1. PROTECT YOUR HOME- FOR FREE



Statistics show that homes with security systems are safer than those without. Burglars are 60% less likely to try to rob a house if a security system is present, as a survey of convicted home invaders shows. For this reason, we've ranked a free home security system as our number one deal, as protecting your family and your home from violent crime and theft is critical. Protect Your Home (TM), one of the top American ADT providers, is offering our readers a free home security system. To sweeten the deal, Protect Your Home is also offering a $100 Visa gift card and a free wireless keychain remote. An initial $99 installation fee and a monthly fee for monitoring apply. The gift card offsets the installation fee, making this deal a no-brainer. As a bonus, having a security system installed can lower your homeowner's insurance by up to 20% to add even more savings.

2. GETTING OUT OF DEBT WITHOUT A LOAN



Millions of Americans struggle with credit card and other unsecured debt, and it's creating a crisis for families and for our country as a whole. Luckily, there's a way to dig yourself out from this struggle and stop living paycheck to paycheck. Our readers can click here if they have more than $10,000 in credit card debt, personal loan debt, or other unsecured debt types. No credit is required, and there's no cost to check to see if you qualify.

3. REDUCE YOUR MORTGAGE FOR LONG TERM SAVINGS



The government has a program available for homeowners to help reduce payments by up to $3252 each year. Freddie Mac's Enhanced Relief Refinance Program (FMERR) is due to expire sometime in 2019, but once you have taken advantage of the program you're locked into eligibility. Many people don't want to check to see if they qualify because they think FMERR is too good to be true, but this government-backed program is available for homeowners. Act now to get in before the program expires.

4. REPLACE YOUR WINDOWS TO SAVE BIG



Leaky or broken windows can cost you huge amounts of money on your electric bill by providing insufficient insulation against the outside elements. Over time, window materials weather, crack or decompose, and newer materials are always hitting the market that provide better insulating factors. Taking the initiative to repair or replace your windows can help keep your home warm in the winter and cool in the summer. Windows are much more affordable now due to the decrease in material expenses, and homeowners can expect up to 30% savings on their electric bill. Windows Remodel Collection has partnered with us to offer our readers free tools to compare prices and energy servings on their website.

5. GET A FREE ESTIMATE FOR A WALK-IN TUB



Falling is a leading cause of injury or death as we grow older, and one in three adults will experience a fall this year, and most of these will involve getting in and out of the shower. To combat this issue, many of our readers could benefit from a walk-in bathtub. These tubs have a unique door that enables you to enter the tub from ground level rather than having to lift your leg or body parts into a bathtub or shower. A free quote is available through our partner. Click here to get a quote to protect yourself and give your family peace of mind with a walk-in tub.

6. SAVE ON YOUR LIFE INSURANCE TO PROTECT YOUR FAMILY



Locking in a low life insurance rate is easy to do and can help provide your family with peace of mind. If something happens to you, having financial security measures in place is a gift you can give your family now. Our readers can get up to $50k in life insurance with no medical exam needed by clicking this link. You should especially consider carrying life insurance if you have minor children, financial dependents, large amounts of debt, or have not paid off your funeral expenses. A life insurance policy will provide your dependents or other family members with the financial means to wrap up your affairs and continue without you.

7. HAVE TAX DEBTS FORGIVEN.



Having tax debt hanging over your head can feel hopeless, especially with increasing interest payments and constant reminders. Credit companies don't want you to know about alternatives, as it makes them lose out on hundreds or thousands of dollars. If you have more than $5000 in tax debts, click here to see if you qualify for a program to help you out. Our partner can check for resources and see if your debt can be reduced or eliminated.

8. SATELLITE TELEVISION SAVINGS



As your television service ages, it can get more expensive to maintain, and might not have all the features you'd like to have. You can currently lock in a guaranteed rate of $59.99 per month for two full years. Dish is offering 190 channels, including premium channels, free installation, free voice remote, and free HD for life. This package also includes a Hopper Smart HR DVR so you can pause, fast forward, rewind, and record your favorite TV shows if you're not available to watch them when they air. This is a fantastic deal that will bring your favorite TV shows into your home for a much more reasonable rate than other cable or dish companies.

9. CRUISE SAVINGS



We know our readers love the relaxation and ease of a cruise for vacation. Some of the top cruise lines are offering fantastic discounts, add-ons, and other benefits for you and your family to take advantage of. Cruises are fantastic for families both with and without children as they offer a wide range of activities, and are generally inclusive with regards to entertainment, food, lodging, and other necessities while traveling. Consider searching for cruises that set sail during the offseason to maximize your savings.

10. SAVE COINS ON COFFEE



Coffee is an American tradition with a rich history. Luckily, you can get savings at your favorite coffee shops by knowing a little bit about weekly specials. Some coffee shops will offer a free donut with a cup of coffee, while others have specials if you bring your own cup, earn enough points, or select a specific type of drink. Loyalty cards are also hugely popular with coffee shops, rewarding you with free coffee drinks, pastries, or other goodies after a certain number of drinks or dollar amount has been purchased. Paying a little bit of attention at the checkout counter can save you some serious dough.

11. EAT FOR LESS GREEN



There are many opportunities to save at restaurants. Coupons are offered in your Sunday papers, in local publications, online through websites, and sometimes even at the restaurant itself. If you can't find a coupon available, consider just asking at the restaurant before arriving. The worst they can say is no! If you do have a coupon, make sure you're maximizing it by taking a quick look at the menu online before arriving and match up your coupon with the best meal to maximize your savings.

12. DITCH THE TIMESHARE



Timeshares are expensive and are generally not used very often. Dishonest salesman can easily rope you into purchasing one of these money pits, and it's nothing to be ashamed about. My Timeshare Expert can help get you out of your timeshare contract and may help recoup some of your money. A free consultation is available on their website- just put in your information to get started and see how much you can save.

13. SAVE ON HOME REPAIRS

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Having a functional house is something that you may take for granted until something goes wrong. When your hot water heater bursts or your faucet is leaking, repairs can be expensive, especially if you have to hire a professional to take care of the issue. A home warranty may help you pay for some repairs and expenses. Much like short term disability insurance, you don't see a benefit immediately, but when you need the benefits they're a fantastic safety net. Choice Home Warranty can help you prepare for home repairs for a low monthly rate. They have a 24/7 hotline in case something breaks on a weekend or overnight. Click the button below to get started.

14. AUTO REPAIR COVERAGE

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Much like a home warranty, an auto warranty can help pay for car repairs when something goes wrong. Since these are generally something you need a professional to take care of, a warranty can offset the costs associated with repairs. Our readers may save up to 60% on auto warranties with Panda Auto Warranty. Click here and avoid financial pitfalls associated with your vehicle's repairs.

15.TURN YOUR PHOTOS TO ART

Whether you're looking for a piece of art for your home or a gift for a family member, a canvas print of a beloved family photograph is a fantastic idea. However, these can quickly add up in price. Easy Canvas Prints gives you a cheaper option for creating these canvas prints without scrimping on quality and allows you to customize your canvas's layout, design, and size. For a limited time, readers can save up to 93% on their custom canvas print orders. Prices start at $4.90.

16. LOSE WEIGHT THE INEXPENSIVE WAY

Weight loss can seem like it has to cost lots of money. Between gym memberships, diet-specific foods, and supplements, the dollars can fall away much quicker than the pounds. Following the Keto diet, however, can save you some serious bucks since it relies on readily-available foods such as milk, eggs, meat, and cheese. This diet's results are astonishing and easy to follow. Unfortunately, starting on the Keto diet can result in something called the "Keto flu". This is due to your body attempting to change the way it burns fat. In order to help combat this side effect, supplements are available that help get your body into ketosis. You can try it for free. Two capsules per day can kick your diet into gear.

Overall, these free services and savings tips can help you and your family save a lot of money this year on goods and services. Taking a few minutes to explore our partners and consider your everyday spending can make a difference in your wallet and may improve your quality of life as well. These tips can help free up money that you and your family can then use on yourselves and each other to help you meet your short term and long term goals.



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