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What are your best lazy man's “free money” tips?

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What are your best lazy man's “free money” tips?

#1
Tonight I spent 10 minutes rebalancing my 401(k) and changing my allocations from higher expense funds to equivalent lower expense funds. I estimate that in that 10 minutes, I saved a recurring $500 annually by slicing 0.5% management fees.

That got me thinking--what are your best tips for spending a small amount of time (<15 minutes) that may yield a significant recurring payoff?

Re: What are your best lazy man's “free money” tips?

#3
I withdraw cash a lot (I prefer to pay cash for most things), and those little $1.00 - $3.00 ATM fees add up big time over the course of a year. I recently switched to an online bank which refunds me all ATM fees no matter whose ATMs I use. Took about 15 minutes to sign up for that new checking account, and I think I'll save a few hundred bucks this year.

In case you're wondering, the bank I switched to is Ally, but there are several good options.

Re: What are your best lazy man's “free money” tips?

#4
I use the supermarket checkouts exclusively as ATMs. Buy a $0.50 bottle of water (unless already grocery shopping) which is good for health and up to $100 cash back. $100.50 saves me $2.50 and may live longer drinking more water and walking a tad more during process. ha

Re: What are your best lazy man's “free money” tips?

#6

I use the supermarket checkouts exclusively as ATMs. Buy a $0.50 bottle of water (unless already grocery shopping) which is good for health and up to $100 cash back. $100.50 saves me $2.50 and may live longer drinking more water and walking a tad more during process. ha

Why not just go to the bank and fill out a withdraw slip?

Re: What are your best lazy man's “free money” tips?

#9
post #8

Use Bing instead of Google. $5/month in Amazon gift cards.

How do you get the gift cards? Clicking on ads?

You just sign up to "Bing Rewards" then search 30 times/day (15 points). When you reach 475 points you redeem them for a $5 Amazon gift card.

There are other ways to earn points too (aside from the 15/day) which is why it works out closer to every month...

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