Most people know the major levers for saving money, such as cutting subscriptions, cooking at home, and skipping your daily latte. But a surprising amount of savings hides in places most of us never think to look.

According to the Fed’s report on 2024 household finances, only 55 percent of US adults had enough saved to cover three months of expenses. Making small, consistent changes may help close that gap. Here are ten that may be worth trying this month.

1. Audit your subscriptions

The average American household spends around $90 per month on subscriptions, according to CNET. A meaningful portion of that often goes to services that are rarely or never used. A quick scroll through your bank or credit card statement may reveal charges you’ve forgotten about entirely.

2. Call your internet and phone providers

Negotiating directly with your providers is one of the more underused money-saving tactics available to you. While many people may not think to take this route, many companies will offer a retention discount the moment you mention a competitor.

3. Pause before ordering out

Restaurant spending climbed nearly 9 percent in 2025, according to Empower’s 2025 Wealth Watch report. Meal delivery apps layer on service fees, tips, and markups that can push the cost well above what you’d pay dining in. Replacing even two or three delivery orders a week with home cooking may free up $100 to $200 per month.

4. Try a 24-hour pause on online purchases

Financial experts cited by Nasdaq note that turning off one-click checkout and waiting twenty-four hours before buying can cut monthly impulse spending by roughly 15 percent. The friction of returning to a cart (and often finding the impulse has passed) is a surprisingly effective filter.

5. Increase your HSA contributions

If you have a high-deductible health plan, a health savings account (HSA) lets you set aside pre-tax dollars for qualified medical expenses. Contributing consistently and early in the year means your balance has more time to grow tax-free, and those funds never expire. It’s one of the few genuinely triple-tax-advantaged vehicles available to individual savers.

6. Use a prescription discount app

Apps like GoodRx and SingleCare compare drug prices across nearby pharmacies and can surface discounts that are lower than your insurance co-pay in some cases. AARP notes that this applies even to people with solid insurance coverage—prices vary enough between pharmacies that comparing is worth a few minutes of effort.

7. Switch to LED bulbs if you haven’t already

The Department of Energy estimates that these modern bulbs use up to 90 percent less energy than traditional incandescent bulbs and last significantly longer. The upfront cost is low, and the savings compound over time across every fixture in your home.

8. Bundle your internet and mobile plans

According to GOBankingRates, the average household spent between $250 and $300 per month on connectivity in 2025. Bundling services with one provider (or switching to a smaller carrier with comparable coverage) may reduce that by $20 to $50 per month with minimal disruption.

9. Batch your errands

Combining multiple errands into a single trip can reduce fuel costs, parking fees, and the kind of spontaneous spending that tends to happen when you’re out more often than necessary. It also creates a small but useful layer of friction between you and impulse purchases.

10. Track microspending

Small, recurring expenses—a vending machine purchase here, a convenience fee there—tend to add up gradually and even unknowingly. Using a budgeting app to categorize these “microspends” for a single month often reveals patterns that are easy to adjust once you can actually see them. Making such small tweaks may recover $600 to $1,500 in savings over the course of a year.

None of these tips requires a dramatic lifestyle change. They’re adjustments most people can make in an afternoon. If you’re looking to build a more intentional savings strategy around changes like these, meeting with a financial advisor may help you turn small monthly wins into meaningful long-term progress.