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COVID-19 Delta Variant Mask Mandate

Face coverings that cover the nose and mouth are now required in all indoor public settings in the City of Boston, Bedford, and Billerica.

#CUSave

Making small money-saving decisions each day can add up to big savings over the course of a year. Start making changes today to see your savings grow! Click the tips below to find even more ways to save with Hanscom FCU.

Launder shirts yourself. Professional cleaning adds up.

Recycle. Recycle more often to cut on trash costs and help the environment.

Donate. Donate your clothes, shoes, and other household items. Keep the receipt to deduct your donation during tax time.

Invest in an energy efficient space heater. Do your research. Some heaters will cost much less to run than others.

Return items that don't fit. Don't miss out on your window to return.

Schedule an energy assessment of your home. Discover ways to save your energy dollars.

Challenge yourself to eat at home at least 5 days a week. If you won't be home, pack up some food to go.

Cut costs. Write down your spending for one week. Review your week's spending and pick one expense to cut next month.

Set a savings goal for the coming year. Saving money is more meaningful if you have a goal to reach.

Plan a weekend in. Stock up on food and drinks and stay in for the weekend. Watch movies and relax while spending little to no money.

Stock up on birthday gifts for the coming year. Take advantage of post Christmas sales and stock up!

Identify your most important financial goal for the coming year. The first step to achieving your goal is to identify it. What's your financial goal for 2020?

Set a date now to use your holiday gift cards. Click for more ways to save.

Shop the after holiday sales. Look for deals on decorations, wrapping paper, toys, and clothes.

Make your own all-natural skin scrub. To save on expensive commercial beauty scrubs, mix equal amounts of honey and brown sugar. The honey provides anti-bacterial protection, the sugar creates a gentle exfoliant. Scrub and rinse.

Start organizing your 2019 receipts. Make sure you have everything you need to help with filing taxes in the next few months.

Use a gas app. Gas prices can vary greatly from town to town. A $.25 per gallon swing can add up to a $4 savings on a tank of gas. Check a reputable gas app before your next fill up to find your best budget option. Click for more ways to save.

Keep track of your receipts when buying Christmas gifts. When buying holiday gifts make sure to hold on to the receipts. You never know when something might be a duplicate or come broken. Click for more ways to save.

Take advantage of energy tax credits visit energystar.gov to find out if your energy purchases qualify for a federal income tax credit for energy EFFICIENCY. Click for more ways to save.

Get 3 estimates. When hiring a professional service or contractor, know what the going rate is. Click for more ways to save.

Install a programmable thermostat. Click for more ways to save.

Do your research when buying a blow dryer. Some blow dryers use less electricity which saves you money over time. Click for more ways to save.

Host holiday guests for lunch instead of dinner. How will you be saving money through the holidays? Click for more ways to save.

Send e-cards this holiday season. Are you still sending cards in the mail? Make the e-switch. Upload photos and write a heartfelt message. Save on cards and stamps. Click for more ways to save.

Go for a walk. Bundle up and take a walk through the neighborhood to see some of the lights. Click for more ways to save.

Before holiday shopping, install money-saving browser extensions. The add-ons can help you find better prices, coupons and cash back offers. Click for more ways to save!

Entertain BYOB style. Save money by having guests bring their own drinks. Click for more ways to save.

Make some popcorn garland. This is a fun and inexpensive activity to do with the kids! Click for more ways to save.

Insulate pipes. Inexpensive insulation can help keep water hot as it travels through the pipes, and it can prevent freezing in winter. Click for more ways to save.

Cut cosmetic sponges in half. Try this with cotton rounds and cotton balls, too! Click for more ways to save.

Freeze your panty hose. Why get a run for your money? Click for more ways to save.

Replace pricey packaged salads with a head of lettuce. Toss your own salad. Click for more ways to save.

With colder weather sticking around, lay some area rugs to keep the floors warmer. Click for more ways to save.

Keep track of transactions to ensure all charges are correct. Click for more ways to save.

Host a cookie party instead of a holiday dinner. Create sweet savings.

Downsize costly holiday traditions. Start new and inexpensive traditions like caroling or reading a classic tale.

Make your own gift wrap

Fly on a holiday. Christmas Eve, Christmas Day, and New Year's Eve offer some of the cheapest holiday airfares.

Plan a Secret Santa family gift exchange

Switch to LED lights this holiday season. According to Energy.gov, LED lights use at least 75% less energy, and last 25 times longer, than incandescent lighting.

Make your own ornaments. Have fun with your friends and family making ornaments for the tree.

Use timers for your holiday lights. This keeps your electric use under control.

Avoid impulse buys today. It can be easy to get caught up in the sales and overbuy. Stick to your list.

Have a list, a budget, and a plan for Black Friday.

Use baby shampoo to remove makeup.

Pay your bills on time. Avoid late fees and interest.

Pack your own boxes when moving. Save on professional packing services, purge things you won't use.

Take leftovers after Thanksgiving dinner. Save money on food for the next couple of days by eating leftovers. Get creative!

With holidays around the corner, be sure to keep track of your spending. Use a budgeting app or make a list.

Repair clothes instead of replacing them. Don't know how to sew a button or darn a sock? Buy a spool of thread, a needle and a pair of scissors. Then, search for tutorials on YouTube.

Negotiate with your doctor. Research the going rates for health procedures in your area using websites like healthcarebluebook.com. Talk to your doctor if you feel you are being overcharged.

Organize a fashion swap with friends. Save money on new clothes, accessories and shoes!

Assess your Life Insurance Coverage

Accept help for the holiday meal. When guests ask what they can bring, have an answer. Click for more ways to save.

The holidays are approaching! Put your holiday menu on a diet. Reduce the foods you serve to those that are enjoyed. There is no need to make Aunt Flo's Famous Fruit Cake if no one eats it. Click for more ways to save.

Turn off unused lights. Remember when Mom used to tell you to turn out the lights when you leave a room? Save electricity, save money. Click for more ways to save.

Unplug when done charging. Adapters plugged into outlets use energy even if they’re not charging. Click for more ways to save.

Buy gender-neutral baby clothes, toys, gear. This makes it easier to use for the potential of future siblings.

Pay your highest-rate debt first. When paying down your debt, it pays to know the interest rates. Click for more ways to save.

Delete credit card information from online stores. This helps to remove the temptation for impulse buys. Click for more ways to save.

Choose electronics that shut off automatically. It saves money and electricity. Put your energy into a one-year CU Thrive plan and watch your savings light up! Click for more ways to save.

With colder air moving in, make sure to plug any air leaks around your windows. It could save you big bucks on heating. Click for more ways to save.

Assess your part-time job. Add up commuting, clothing, and childcare costs to see if your part-time job is bringing you the extra income you are expecting. Click for more ways to save.

Make your greeting cards. Better yet, go digital! What's the most creative homemade card you've ever seen? Share your ideas! Click for more ways to save.

Close vents and doors in unused rooms. Have you checked those vents lately?

Caulk windows and doors. Air leaks waste your energy dollars. The U.S. Department of Energy estimates an energy savings of 5% to 10% by caulking windows and doors. Click for more ways to save.

Use a humidifier. Because humidity makes the air feel warmer, you can lower your thermostat in the winter. Click for more ways to save.

Fly on Thanksgiving Day. Ask Mom to hold dinner or enjoy the holiday meal on Friday. Click for more ways to save.

Now that Halloween is over, it's time to change up the decorations. Put away the spiders , webs, and scary decor. Exchange it for leaves, gords, turkeys, cornucopia, and faux berries. Click for more ways to save.

Drop an unused gym membership. If you aren't going to the gym as much anymore, cancel the membership and work out at home. Click for more ways to save.

Keep tires properly inflated. The US Department of Energy estimates savings of up to 3.3% off your fuel costs by properly inflating your tires. Click for more ways to save.

Throw on a sweatshirt if you are cold before jumping to turn up the heat!

Set a savings goal. Saving money is more meaningful if you have a goal to reach. Click for more ways to save.

Think twice before submitting an insurance claim. It may cost you more in future premiums. To learn more about the right type of insurance for your needs, visit Hanscom Insurance Agency LLC at hanscom.insuranceaisle.com

Still need a Halloween costume? Safe money by using items you already have! Get creative!

Make a gift list before holiday shopping. Click for more ways to save.

Buy tires online or at wholesale clubs. For more savings, read 9 Ways to Roll Back the Cost of New Tires http://go.hfcu.org/blog/9-ways-to-roll-back-the-cost-of-new-tires

Having a halloween party? Have your guests bring a snack to share. It will cut down on your costs and time to prepare.

Download price comparison apps. Compare prices, find coupons, see reviews.

Break out the flannel sheets for the cooler weather. This could help you lower the thermostat while you sleep.

Review rewards program memberships. Periodically check your point totals and reward offers on credit cards, airlines and other incentive programs. Programs like Hanscom FCU Platinum Rewards can help you save on future travel, goods or services.

Insulate unused doors and windows with plastic sheeting. This is just one of the hundreds of savings tips we've collected this year. Find all of our tips at cusave.org! Thanks for following along with our tips this year!

Adjust your tax withholding. Getting a tax refund means you've given the government an interest-free loan. Adjust your withholding so that you minimize overpayment.

Looking to get a new pet? Adopt.

Make enough dinner for two nights worth. Save time and money by making a big batch. If you don't end up wanting the same meal the second night, throw it in the freezer!

Negotiate your work hours. Shifting your schedule to avoid heavy traffic can save you time and fuel expenses.

Pack your lunch. Save money on pricey lunches by packing your own. Click for more ways to save.

Refinance your car. Have more money each month by having a lower monthly payment. Click for more ways to save.

Compare unit prices when shopping. Buying in bulk is not always the best deal. Click for more ways to save.

Let the sun shine in. Sunny days mean free heat! Click for more ways to save.

Visit museums on free admission days. Many museums offer a limited number of free admission hours each month. Check websites before making plans. Click for more ways to save.

Switch to annual life insurance payments. Annual payments often save you money over monthly, quarterly, and semi-annual payments. Click for more ways to save.

Choose one day of the week to run errands. Reducing the number of trips you make in your car each week will help to save on gas. Map an efficient route before you go. Click for more ways to save.

Insulate Your Hot Water Tank

Inspect your home. Maintaining your home will save you money on costly repairs.

Set a gift price limit within your family. This will help everyone budget wisely and it prevents hurt feelings. Click for more ways to save.

Raid your freezer when meal planning. Click for more ways to save.

Inspect your heating system. Get a professional inspection to extend the life of your heater and its efficiency. Click for more ways to save.

Cook from scratch. Buying prepared meals will take a bite out of your budget. Click for more ways to save.

Agree to the stopover. When shopping for airline travel, consider indirect flights. You can often land a good deal by adding a stopover. Click for more ways to save.

Unblock air vents. According to energystar.gov it can take as much as 25% more energy to pump air into a space if the vents are blocked. Click for more ways to save.

Sanitize your kitchen sponge. Extend the life of your sponge by tossing it in the dishwasher to sanitize. Click for more ways to save.

Enjoy free admission on our national parks today. Have a fun day without the cost. Click for more ways to save.

Buy in bulk. Stock up when non-perishable favorites are on sale. Click for more ways to save,

Travel light. Stick to a carry on bag when flying to avoid baggage fees. Click for more ways to save.

Flush your hot water tank. Keep your tank in check to keep it running efficiently and extend the life. Click for more ways to save.

Clean your refrigerator coils. Dirty coils can cause a refrigerator to work inefficiently. Click for more ways to save.

Make your holiday shopping list now. Plan ahead in order to keep an eye on sales and deals. Click for more ways to save.

Test out of college courses. Get credits for what you already know. Click for more ways to save.

Organize a halloween costume swap. Recycle costumes with friends and neighbors. Click for more ways to save.

Make a weekly dinner plan. Life can get pretty busy. Plan out your dinners for each night to resist the urge to order out. Click for more ways to save.

Decorate with nature. Its a free way to decorate for the seasons or holidays. Click for more ways to save.

Air dry your dishes. To save money on your utility bill open the dishwasher door after the final rinse cycle and let the dishes air dry. Click for more ways to save.

Avoid ATM fees. As a Hanscom FCU member you belong to one of the nations largest surcharge FREE ATM networks. Click for more ways to save.

Examine your medical bill. According to medical billing advocates of America 80 percent of hospital bills contain errors. Click for more ways to save.

Wash dishes by hand. Save on water and electricity used by a dishwasher. Click for more ways to save.

Choose a BYOB restaurant to save on the bar tab. Click for more ways to save.

Cook low and slow. A slow cooker uses only 100 watts of energy. Click for more ways to save.

Install a programmable thermostat. Click for more ways to save.

Recycle envelopes. Save the unused envelopes you get with bills and junk mail to use for other needs. Click for more ways to save.

Rent tools that you do not use often. You may find better quality tools than you can afford to buy helping you get the job done more efficiently. Click for more ways to save.

Seal electric outlets to reduce drafts and heat loss. Click for more ways to save.

Place a paper towel on salad greens when storing. The paper towel absorbs excess moisture which helps your greens stay fresher longer. Click for more ways to save.

Peel and freeze aging bananas. Save them for baking or smoothies instead of throwing them out. Click for more ways to save.

Always empty your trunk when you get home. The added weight can lower your gas mileage. Click for more ways to save.

Update auto insurance. Lifestyle changes such as a move or a new household status could be key to saving money. Click for more ways to save.

Compare pharmacy prices. Because drug prices vary between pharmacies you could end up saving big bucks. Click for more ways to save.

Use a power strip. Many small appliances draw power when not in use. A power strip allows you to easily turn off the power supply. Click for more ways to save.

Avoid packing items on top of your car. According to a Consumer Reports study a rooftop cargo carrier or bike rack can cut fuel economy by 5 percent. Click for more ways to save.

Use dried herbs. Save money by buying dried herbs. You will get more for your money and they will last longer. Click for more ways to save.

Shop the grocery deli counter when traveling. It can be a less costly alternative to highway restaurants. Click for more ways to save.

Buy in season produce. This provides variety and saves money on out of season fruits and vegetables. Click for more ways to save.

Clean your dryer vent and lint screen to make sure that your dryer runs efficiently. Click for more ways to save.

Look for free community entertainment. Check local websites for fun and free activities. Click for more ways to save.

Add insulation to your attic and basement to hold in the heat. This can help lower your fuel bill. Click for more ways to save.

Raise your insurance deductibles. Click for more ways to save.

With fall approaching make sure to take the time to clean your gutters to prevent any blockage and damage. Click for more ways to save.

Organize a babysitting coop. Take turns watching friends kids to save money on babysitter fees. Click for more ways to save.

Fill your garden with perennials. Its a great way to fill your garden each year without the annual cost. Click for more ways to save.

Make your own baby food. Puree fruits and veggies to save money over commercial baby food jars and pouches. Click for more ways to save.

Set up automatic bill payments. No more late payment fees. Click for more ways to save.

Search online for coupons. Several sites offer a variety of coupons. Click for more ways to save.

Declutter. Unnecessary stuff costs you in storage space and buying duplicates of things you can't find and maintenance. Click for more ways to save.

Inquire about discounts for veterans. Click for more ways to save.

Shop for tires online or at wholesale clubs. Click for more ways to save.

Know your motor oil. According to the US DOT using the wrong grade in your car could lower your gas mileage by 1 to 2 percent. Click for more ways to save.

Make the switch to cloth diapers to save on pricey disposable ones. Click for more ways to save.

Rethink your car. Is it time to downsize and find something more fuel efficient. Or maybe you go without. Click for more ways to save.

Take advantage of credit union member savings at lovemycreditunion.org. Click for more ways to save.

Snack on homemade popcorn. A 4 dollar 30 ounce jar will pop into about 120 cups of popcorn. This makes for a cheap and healthy snack option. Head over to popcorn dot org for more creative recipes. Click for more ways to save.

Stick to the schools supplies list. Resist the temptation to buy unnecessary extras. Click for more ways to save.

If buying coffee to go be sure to use their app. Most coffee chains offer free drinks after you purchase a certain amount. Click for more ways to save.

Shop online for groceries. Several stores offer services for pickup or delivery. Save money by missing out on in store temptations. Click for more ways to save.

Host a movie night. Beat the high cost of a movie theater with a rental and some home cooked popcorn. Click for more ways to save.

Make a meal plan. Map out your meals once a week. Include leftovers and existing pantry items. This will reduce the urge to eat out and save money on impulse grocery buys. Click for more ways to save.

Shop online for diaper deals. Beat store prices with websites like diapers com and amazon family program. Click for more ways to save.

Sell your stuff in order to make some money and clean up. Click for more ways to save.

Commit to healthy living. Good eating and regular exercise and good sleep can help reduce the cost of the doctor visits and missed work.

Steer clear of airport rentals. Find a car rental location that is not at the airport to save on costly airport taxes and fees. Click for more ways to save.

Ditch the paper towels. Clean with rags and dry with dish towels. Click for more ways to save.

Rearrange your furniture. You can completely change up a space by simply shifting things around. Click for more ways to save.

Frame personal photos for an inexpensive way to decorate your home. Click for more ways to save.

Know your price before you shop. Write down the top price you are willing to spend on an item before you hit the store. Keep to your budget. Click for more ways to save.

Choose the right credit card. All cards are not created equal. Compare interest rates and rewards and fees. Click for more ways to save.

Investigate same company insurance discounts. Some insurers offer discounts for multiple policies. Click for more ways to save.

Repurpose bed sheets. Use decorative sheets as an affordable alternative to curtains and pillow covers and shower curtains. Click for more ways to save.

Make your own cleaning solution. Mix 4 tablespoons of baking soda into a quart of warm water for an inexpensive all purpose cleaning solution. Click for more ways to save.

Don't buy extended warranties. Instead buy reliable products and maintain them recommends Consumer Reports. Click for more ways to save.

Get the most from your charity dollars. Research organizations before you donate to make sure your dollars are being spent wisely. Click for more ways to save.

Pay yourself first. Make a regular payment to your savings as part of your financial routine. Click for more ways to save.

Keep the change. Keep a cup in your car to store your change. You will be surprised at how fast it ads up. Click for more ways to save.

Shop around for makeup. Compare prices online and in store ads before buying makeup. Click for more ways to save.

Stock up on drinks for your dorm room. Buy in bulk now so you can avoid the price of vending machines and convenience stores later. Click for more ways to save.

Organize a back to school clothing swap to save money on new clothes. Click for more ways to save.

Order your school supplies. Start early to look for the best deals. Consider buying in bulk and splitting the haul with friends and family. Click for more ways to save.

Adjust your college meal plan to suite your everyday needs. Click for more ways to save.

Don't take your car to college. Click for more ways to save.

Before bringing your baby home ask about free samples for your baby. Most hospital nurseries receive free samples and coupons for new parents. Click for more ways to save.

Check out free passes at the library. Many public libraries offer free or discounted passes to area museums and other attractions. Click for more ways to save.

Cut dryer sheets in half to get more for your money. Click for more ways to save.

Improve your credit score. The better you score the better chance you have to get a competitive interest rate on mortgages and car loans and credit cards. Click for more ways to save.

Take advantage of IRA match money. Click for more ways to save.

Aim to save 10 percent of your net pay. Talk to your employer about setting up an automatic deposit into an interest bearing savings account. Click for more ways to save.

Stop smoking. Save money. Click for more ways to save.

Look in to becoming a resident advisor at your college. Sometime you can even get room and board for free. Click for more ways to save.

Give your kids a vacation allowance. Decide on an mouth together before traveling. Click fo more ways to save.

Refinance your mortgage. Click for more ways to save.

Pack an empty water bottle and bring it to fill up at stadiums and amusement parks. Click for more ways to save.

Buy to rent used college textbooks. Check website and social media and with last years students. Click for more ways to save.

Refer a friend. Click for more ways to save.

Do it yourself. Search online for possible DIY fixes before paying for repairs. Click for more ways to save.

Plant your garden with seeds or small plants to help trim landscaping costs. Click for more ways to save.

Wash your car by hand. Stop paying money for a car wash. Get outside and get fresh air. Click for more ways to save.

Stop paying PMI. If you think you have at least 20 percent equity in your home talk to your mortgage company about your options to drop private mortgage insurance. Click for more ways to save.

Mulch. The US Department of Agriculture reports mulch can save you money on frequent watering bug repellent fertilizer and weed killer. Click for more ways to save.

Know your octane level. Check your owners manual. Most vehicles do not need premium fuel. Click for more ways to save.

Avoid an impulse buy. Give yourself 24 hours to think it over. Click for more ways to save.

Use your cars air conditioner sparingly. Air conditioning reduces fuel economy. Click for more ways to save.

Spray the cloth. Save money on cleaning solutions by spraying the cloth and not the surface. This limits the amount of cleaning solution that is needed. Click for more ways to save.

Put a plastic bottle full of water in your toilet tank. It will use less water each time you flush. Click for more ways to save.

Master the navy shower. Take the challenge. Turn the water on long enough to get wet then turn it off. Soap up before turning the water back on to rinse. Click for more ways to save.

Use cruise control. It improves fuel economy for highway driving. Click for more ways to save.

Tur leftover bread into breadcrumbs. Don't throw old bread away. Chop it in a food processor before freezing for future use. Click for more ways to save.

Fill your dishwasher completely before running it. Click for more ways to save.

Consider summer school. Taking an online or local course while home for the summer can help you graduate sooner and save money on tuition room and board. Click for more ways to save.

Stretch boxed pasta mixes by adding in additional pasta to increase servings. Click for more ways to save.

Avoid heavy traffic. When possible travel at off peak times because the stop and go of rush hour can cost you big on gas consumption. Click for more ways to save.

Shop with a time limit to avoid overbuying. Click for more ways to save.

Regularly change your air conditioner filter. Click for more ways to save.

Save on pricey color inks and choose to print in black and white. Click for more ways to save.

Opt out of telemarketing calls direct mail and email and credit and insurance calls. Click for more ways to save.

Avoid dry clean only clothing when shopping. Click for more ways to save.

If your employer approves telecommute. Click for more ways to save.

Turn off ceiling fans in unused rooms. Remember that fans cool people not room. Energy.gov. Click for more ways to save.

Know when to change the oil in your vehicle Many vehicle models can go beyond 3000 miles. Check your manual to see whats best for your car. Click for more ways to save.

inspect your HVAC system. Look for leaks in the air flow system. Clean ducts. Repair cracks and rips and ensure a clean seal around vents. Click for more ways to save.

Plan your meals around grocery store sales. Check sales flyers before you shop. Many stores post sales online making it easy to plan ahead. Click for more ways to save.

Make your own hand soap. Fill a pump bottle with a 1 to 1 mixture of shampoo and water. Click for more ways to save.

Clean and maintain your fridge to keep it running more efficiently. Click for more ways to save.

Measure laundry detergent. Measuring lines on caps and scoops differ by bran and you may not need to fill you cup to the top. Click for more ways to save.

Choose energy saving light bulbs. Replacing 5 of your homes frequently used lights with energy saving bulbs could save you 75 dollars per year. Click for more ways to save.

Limit yourself to one pump of shampoo per wash. Click for more ways to save.

Become a local tourist. Find new things to do around your hometown. Click for more ways to save.

Take care of your teeth. Fillings and crowns and root canals are expensive. Click for more ways to save.

Choose a grocery basket instead of a cart. Click for more ways to save.

Grill your meals. Click for more ways to save.

Idle less. Turn off you car engine when possible. According to the US Department of Transportation unnecessary idling can cost you up to 3 cents per minutes. Click for more ways to save.

Freeze your gym membership for the summer. Get outside to workout while you can. Click for more ways to save.

Evaluate your cell phone costs. Are you paying for service than you use. Click for more ways to save.

Take advantage of school discounts on children's books. Click for more ways to save.

Search drugmaker websites for coupons. Click for more ways to save.

Curb erratic driving habits. Quick starts and stops and frequent speeding and heavy braking eat up gas and wear down your brakes. Take it easy on the road and on your budget. Click for more ways to save.

Eat breakfast at home. Make time for a quick breakfast at home before heading to work in order to prevent impulse food buys. Click for more ways to save.

Aerate your lawn. Save money on water by aerating. The process creates holes in compacted soil making it easier to absorb and hold water. Click for more ways to save.

Save your store savings. Put the money you save into a savings account. Click for more way to save.

Clear the area around your air conditioning unit. This can prolong its life saving you money on repairs and replacement. Click for more ways to save.

Slow your internet. Save some money monthly by cutting back on the speed. Click for more ways to save.

Host a garden swap. This is a great way to share fruits vegetable and flowers and get some in return. Click for more ways to save.

Compost organic waste. Save the expense of commercial yard mulch by making your own nutrient rich compost. Click for more ways to save.

Avoid midday watering. The midday sun will quickly evaporate your efforts. Go for early morning and evening to reduce wasted water. Click for more ways to save.

Haggle. A survey by Consumer Reports revealed 89 percent of those who haggled were rewarded at least once. Click for more ways to save.

Check the refill policy. Some coffee shops offer a discount on refills. Sometimes its even FREE. Click for more ways to save.

Check out your local farmers market. Its a great way to save money while buying fresh and local produce. Click for more ways to save.

Block trackers. Reduce discriminatory online pricing practices by using browser add ons that stop companies from profiling you based on your Internet habits. Click for more ways to save.

Ditch the storage unit. If you're paying to store your stuff its time to downsize. Click for more ways to save.

Consider a flexible spending account. This is an arrangement you set up with your employer to use tax free dollars to pay for certain out of pocket health care costs. Click for more ways to save.

Use video chat. Take advantage of video chat when missing family and friends. Click for more ways to save.

Use your kids artwork to decorate. Decorating with your children's artwork is not only inexpensive but it adds a very personal touch. Click for more ways to save.

Look for clearance deals at nurseries. Stock up on your plants in the clearance section. Click for more ways to save.

If you are graduating soon consider colleges in other countries in order to save money. Click for more ways to save.

Inspect your roof. Click for more ways to save.

Treat your lawn with mulch mowing. Click for more ways to save.

Price alternative airports. Consider all possible airports near your destination before scheduling your getaway. Click for more ways to save.

Save landscaping money by choosing low maintenance plants and rock gardens. Click for more ways to save.

Plant large leafy trees on the east west and northwest sides of your home to save on air conditioning costs. Click for more ways to save.

Hang your laundry outside to dry instead of using the dryer. Click for more ways to save.

Create your own sand toys. Plastic for containers coffee scoops and sippy cups make great replacements for store bought toys. Click for more ways to save.

Recycle bottles and cans. Why leave bottles and cans laying around when its an easy way to make some money and help the environment.

Find a part time job to make some extra money. Click for more ways to save.

Skip a day between shampoos. Click for more ways to save.

Choose kabobs for your summer barbecue. Reduce the cost of lager savings of meat by mixing in some fresh produce. Click for more ways to save.

Head outdoors for extended daylight hours. Trade your electronics and air conditioning for a long walk or bike ride. Click for more ways to save.

Organize a company carpool. Find some coworkers to ride with or consider using a carpool or ride share app. Click for more ways to save.

Keep your car engine in tune. According to the FTC it can increase your gas mileage by an average of 4 percent. Check your owners manual for a recommended schedule. Click for more ways to save.

Organize your tools. Keeping things in order will prevent you from buying duplicates. Click for more ways to save.

Time to swap your sheets. As the temperatures start to warm up think about changing it up. In order to cut back on air conditioning sleep on cotton sheets. Save the silk and flannel for the cooler weather. Click for more ways to save.

Ride your bike. Pump up your savings by switching form your car to your bike whenever you can. Click for more ways to save.

Recycle boxes. Rather than pay for boxes for your next move ask friends and family to save their online shopping boxes. Click for more ways to save.

Set up account alerts to avoid overdraft fees. Click for more ways to save.

Repurpose old clothing. Get creative. Click for more ways to save.

Send ecards to your family and friends. Save money on pricey greetings cards and postage. Click for more ways to save.

Think twice about rental car insurance. You may already have coverage with your current auto insurance policy. Click for more ways to save.

Have a picnic outside. Whether its at the beach or at the park or in your backyard. Click for more ways to save.

Skip the restaurant dessert menu. They can be very expensive. Opt for dessert at home instead. Click for more ways to save.

Opt for minor league sports or college sports. Enjoy sporting events without paying major league prices. Click for more ways to save.

Go for a walk. Challenge yourself to walk short distances instead of driving the car. Not only can you save on gas but you can get in shape too. Click for more ways to save.

Set your mowers blade to a lower setting. Save money on gas by cutting down on the number of times you have to mow. Click for more ways to save.

Decorate with paint. Paint can make a dramatic difference in a room without the expense of new furnishings. Click for more ways to save.

Make your own ice cream cone at home. Enjoy dessert at home. You can buy a carton of ice cream for the cost of most sundaes at your local ice cream shop.

Install low flow shower heads to save money on your water bill. Click for more ways to save.

Do you have a landline. If you don't use it cancel it. Click for more ways to save.

Pack food for your flight to save money on expensive in flight snacks. Click for more ways to save.

Avoid excess baggage fees. Weigh your luggage before you go to the airport and pack lighter if you can. Click for more ways to save.

If you are at a point in your life that you can. Downsize to a smaller space. Click for more ways to save.

Drop unused newspaper and magazine subscriptions Click for more ways to save

If you are throwing a dinner party make it a potluck in order to save on the cost of food Click for more ways to save

Grow your own spices at home A great way to save money and get a fresher taste Click for more ways to save

Plan now for a spring yard sale A great time to clean up the house and make some extra money Click for more ways to save

Sae on expensive snack size packaging by creating your own Use small baggies to portion Click for more ways to save

Collect seeds to plant in the spring instead of buying pricey seed packets Click for more ways to save

Add a week between your haircuts If you normally go six weeks between haircuts switch to seven That change will save you the cost of a haircut and tip each year Click for more ways to save

Avoid a pricey spring break by choosing a less common destination Let your imagination be your guide Click for more ways to save

Consider a winter wedding Many wedding vendors offer discounts during the off peak season and that can save you big bucks on your big day Click for more ways to save

Stay organized and keep track of tax deduction receipts so that you don't miss out on any deductions Click for more ways to save

Lock all of your windows Close the locks on your windows to tighten the seals and reduce costly drafts Click for more ways to save

Add an extra layer Put on thick socks warm sweaters and sweatpants in order to lower your thermostat Click for more ways to save

Take your own portraits Ask a friend to help take your family pictures Click for more ways to save

Pay more than your minimum monthly balance Ideally aim to pay off your credit card in full each month If you can't try to pay more that the minimum payment amount Click for more ways to save

Shop around Research auto insurance policies and prices before renewing your current policy Click for more ways to save

Think outside the box when making dinner plans Skip the expensive restaurants and check out local coffee shops or food trucks Click for more ways to save

Buy secondhand sports equipment Shop garage sales Craigslist eBay or Play it Again Sports for discounted items This can save you big when shopping for growing kids Click for more ways to save

Get your hair cut at a cosmetology school Many cosmetology schools will offer free or discounted haircuts given by their student stylists

Take advantage of corporate discounts Ask if your employer offers discounts on things like cell phone data plans or gym memberships Click for more ways to save

Create a community facebook page that friends and neighbors can use to trade or sell your gently used items Click for more ways to save

This time of year opt for frozen fruit over fresh You get the same level of nutrition at a lower cost Click for more ways to save

Invest in a quality blanket Turn down the heat at night while staying warm in bed Save as much as 10 percent a year on heating by dropping the thermostat 7 to 10 degrees Fahrenheit while you sleep Click for more ways to save

Ride public transportation You can save 754 dollars a month according to the American Public Transportation Association Click for more ways to save

Trade expensive date ideas for volunteer opportunities Its a great way to give back to your community Click for more ways to save

Use motion detectors for lighting in order to save money on electricity Click for more ways to save

Cut back on lottery tickets A better bet is to put that money in to a savings plan that offers a great interest rate Click for more ways to save

Clip and share coupons Create a group of friends who share coupons Start a group text or meet for coffee once a week to share what you have found and give away the ones that you won't use Click for more ways to save

Transfer credit card debt onto a lower interest card and make a realistic plan to pay it off and stick to it Click for more ways to save

Don't pay for music

Learn to love leftovers

Organize a toy swap

Keep track of your spending by using a budgeting app or writing it down

Use cool water in the washer

Drink Tap Water

Give back and volunteer

Keep baby supplies in the car keep a stash of diapers wipes and bottles in the car to prevent having the unexpected cost while traveling

Make time for rebates search the internet for promo codes or chances to earn cash back

Fix a leaky faucet click for more ways to save

Consider home swapping for your next vacation click for more ways to save

Consider misfit paints many paint retainers discount unsold cans of paint that were mixed to the wrong color click for more ways to save

Go grocery free for one week by taking inventory of the food you have on hand to create a weeks worth of meals Be creative you might get to those boxes and cans before they expire click for more money saving tips from Hanscom fcu

Take advantage of dependent care flexible spending

Reduce the temperature on your hot water heater

Fix drafty doors

Close your fireplace damper

Humidify your home

Challenge yourself and give up soda for one month

Save big when choosing water as your drink while dining out

Try free fitness classes at health clubs and gyms in your area

Take advantage of free college events

Stay in and have a date night at home

Shop end of season sales most stores offer sales this time of the year to clean out for new spring and summer collections click for more money saving tips from hanscom fcu

Sell your unwanted gift cards

Report home upgrades to your insurance company

Head to a matinee movie

Take a break from spending

Host game night with your family and friends

Eat off smaller dinner plates

Pay with cash

Cook large meals and freeze the leftovers

Sign up for restaurant rewards programs

Use free fitness apps

Sell your old clothes at a second hand shop

use those student discounts

organize a monthly book swap

Identify your top financial goal fo 2019

Create a coin jar and when the jar is full deposit it into your savings account

Insulate floors with area rugs

Don't shop hungry

Keep healthy snacks in the car to beat fast food temptations

Consider mail order prescriptions

Buy your running shoes online

Make coffee at home

Choose in season flowers

Get your books at the library

Buy Christmas Lights in January

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