AARP Rewards Online Community Smart Saver Contest

 If you are disciplined in using credit cards and pay them in full monthly, I earn several hundred dollars a year by using 4 different cards according to the rebates they give.  5 to 6% for Amazon purchases on that card, and amounts ranging from 1 1/2 to 3% on the other cards, depending on where I’m shopping.  It adds up fast!

Coffee: You can buy slightly expired whole coffee beans on Ebay for cheap which are just fine once they're ground up. Bring your cost down to pennies per cup vs almost a dollar per cup if you're using K-Pods

Also, use a thermal coffee pot brewing machine, not a glass pot version which uses lots of electricity keeping that pot hot.

Study and utilize credit card rebates making sure you pay off all balances each month. You can net almost 5% on groceries (Amex), 5% on gas (Penfed) 5% on variable categories each quarter (Disc), 3% all on-line purchases BofA) and there's a variety of 2% cards out there for everything else. I make thousands of $ per year by managing cards. You can have a ton of them and build up excellent credit in the process. Beware of 'mileage' and 'points' cards as redemption values are often vague and arbitrary. Reward cash in hand (or as a statement credit) is clear and easy.

Lottery tickets? Obviously a huge waste of money. Use AARP rewards instead to motivate you for extra exercise and then use them for entries to win cash rewards / credits for categories you value. We all like to think we'll get lucky and win sometime. Why not use free and motivationally created points to scratch that itch!

#1 is just don't buy what you don't need.

keep all the condiments that come with your food orders and purchases and use them to season your grocery purchased meats. this helps your brand purchases of grocery seasonings last longer. 

I buy gift cards when the grocery store has 4x points.  Then I use the gift cards for gifts or going to stores that I shop at and I use the extra points at the gas pump.  I dry my clothes on clothes lines outside weather permitting and drying racks in my house when I can't dry them outside.  I buy reduced fruit at the store to put out for the birds.

I have different credit cards that give cash back. I put everything I buy on these cards, I pay off the entire balance each month so I never pay interest nor fees, and I save the cash back. When I have enough I invest in a higher paying CD.

i get too many drinks at sonic, but when there's a discount i pay myself back: ex. when the discount is given i get my drink for less, and the ticket shows -$1.60. i put that $1.60 with any other similar receipts and pay myself back by transferring that from my checking account to a special (small) savings account at the same credit union.  it adds up QUICKLY if you drink a lot of soda - and reminds me that i need to be healthier that day...sometimes i get "heavy ice" so i drink water throughout the day as the ice melts.  that part is healthy!  : )

1. Make a list of groceries you need before you leave for the store and 2. don't shop on an empty stomach 3. Don't buy groceries that are on sale unless you enjoy the product, it's not a deal if you don't like it that much. 

The grocery I shop has a digital cash back program. My Medicare plan gives me a quarterly allowance and benefits.  I use my allowance to purchase allowable items that have a cash back and then use the cash to reduce my out of pocket grocery expense along with coupons and sale promotions.

When u take your daily walk pick up the change the young people don't want to carry.  This also allows you to stretch and bend and young people don't take the change from train station vending machines or just throw it away.  By fast food restaurants also young people drop change there are still coin stars and u can put change in them and not be charged if u donate it to a cause.