How to Save Money on Groceries, Gas, Utilities, and More
From using exclusive AAA discounts to smart shopping strategies, here’s how to stretch your dollars on everyday expenses
Today’s rising inflation and ever-increasing living costs have led more and more Americans to seek new and creative ways to save money on everyday expenses. The good news? With a few practical strategies, you can cut costs on groceries, gas, utilities, and other expenses in small ways that add up to big savings—all without overhauling your family budget or daily routines. Here’s how to save money every day.
Save on groceries by simply making a plan
Before heading to the grocery store, make a weekly meal plan and shopping list based on what’s already in your pantry.
Next, check for digital coupons, cash-back rewards, and loyalty discounts; most chain grocers offer these in their apps. For items you buy regularly, shopping in bulk at warehouse clubs can offer significant long-term savings.
Planning meals in advance not only saves money at checkout but also can help reduce impulse purchases and food waste.
Common cents: Don’t shop on an empty stomach. Studies show it leads to higher spending and more impulse purchases, even on non-food items.
Lower utility bills by developing energy-saving habits
Smart energy-use habits can lead to noticeable savings. Start by sealing drafty windows and doors, turning off lights when not in use, and unplugging TVs and other electronics that draw power even when they’re turned off.
Installing smart thermostats and LED lighting can also reduce energy use and help you save. In the meantime, adjusting your thermostat just a few degrees—warmer in summer, cooler in winter—can save you hundreds of dollars annually.
Common cents: Run dishwashers and washing machines with full—but not overstuffed—loads, and use cold water settings whenever possible to cut energy costs.
Reduce automotive costs with improved driving and car care habits
Gas prices may fluctuate, but simple fuel-saving strategies can help you spend less at the pump.
- Drive at steady speeds, avoid idling, and keep your tires properly inflated.
- Stay on top of routine car maintenance such as oil changes and air filter replacement.
- Avoid carrying unnecessary cargo, especially on your roof, as roof racks and boxes can reduce fuel economy.
- Carpool when possible, and combine errands into one trip to save time and fuel.
- Consider enrolling in a fuel rewards program or using a credit card that offers cash back on gas purchases to maximize savings.
Common cents: Use mobile app features such as the AAA Fuel Price Finder to track real-time gas prices and locate the cheapest station near you.
Decide which expenses are needs vs. wants
Even small changes in your monthly budget can add up to major savings over time. To figure out what you can—and can’t—live without, try a “no-spend challenge” for a week or month, buying only essentials. It’s a simple way to reset your spending habits and grow your savings.
Subscriptions are another sneaky budget drain. Review your monthly charges, and cancel any services you rarely use or truly don’t need.
Common cents: Health and beauty expenses piling up? Switch store-brand or generic products, which may even match the quality of name brands for a lot less.
Bottom line: Consistency is key
Savings from groceries, utilities, or commuting may feel small at first, but over time, they can add up to meaningful financial relief.
If you’re looking for an easy place to start, check out AAA savings and discounts, an exclusive benefit just for being a AAA member. AAA discounts cover everything from dining and shopping to travel and car care—helping you turn everyday spending into steady savings.
Remember: the goal isn’t deprivation; it’s balance. Knowing how to save money is about making your budget work smarter, not harder. With a few savvy strategies and proper planning, you can keep daily expenses in check while still enjoying the comforts of life.