Skimm Money

Download price-comparison apps and browser extensions that apply promo codes or give you cash back (hi, Honey, Ibotta, and Rakuten).

Pay off installment debt (think: mortgages, student loans, car loans) faster by paying half your bill every other week. After a year, you’ll have made 26 half-payments – aka 13 full ones vs. 12.

Try a white elephant or Secret Santa exchange to pare down who’s on your nice list this year. If your holiday celebrations are going down in Zoom, don’t forget to budget for shipping costs.

Sites like Cardpool and Raise sell them for less than face value. Pick stores you usually shop at or buy holiday gifts from.

Some insurance companies will reward you with lower premiums if you make them your one-stop-shop for all your policy needs. You could also score a discount by paying for a whole year upfront and/or enrolling in auto-pay.