26 Tips to Increase Your Savings in 2025 (BIG Money-Saving Ideas!)

[@catherineh2630]

Thank you for video! Last year at this time, we had 21k in credit card debt and our interest rate was 22%. I still get sick to my stomach when I think of how much interest we paid over the years! Yuck!! This card has been since paid off. It feels sooooo good.

[@THEJENNIFERCOOK]

Catherine, CONGRATULATIONS! That is fantastic ❤️

[@catherineh2630]

@ thank you! On to the next debt! 🥴

[@celestebarrentine3922]

Way to go!! I know what you mean, but look forward not back! You have learned the lesson and incorporated it into your lifestyle, so won't be going back. 🎉

[@catherineh2630]

@@celestebarrentine3922 thank you!!! so true! It’s also marathon not a sprint 👍. I the debt pay period to be over quickly but I know that isn’t reality.

[@poppy55]

I am addicted to the Spender, and I have to remind my brain to stop it!!

[@seekingjoynow1722]

Such good advice. I have come to realize my Super Power is Self Discipline. Everyone has their weakness. For me it was shopping. I grew up in a family that did not manage their money well. I had to learn later in life how to manage money.

[@commentator9730]

Are you a Filipino?

[@sandralmoore1360]

For last 4 or 5 yrs I've taken my yearly raise and save it. Was living w/o so keep living w/o, saving the extra. I have no subscriptions. Eating out is not extreme but done but usually it's breakfast and, where I live, can get 2 sausage biscuits w/ small drink at McDonald's for $5. And a happy meal w/ no apples but extra fries for same so not overeating either. Then save change I get back and in 2024 I've saved over $135.00 (that's what I have rolled already)and 1 1/2 months left in year. I don't watch tv.

[@margaretlowans8429]

If you pay what you owe every month then you don't pay interest. That's what we do

[@sandralmoore1360]

Way I pd off my house early was id paid amount monthly due and extra towards principle.

[@sandralmoore1360]

Way I pd off my house early was id paid amount monthly due and extra towards principle.

[@silmuffin86]

And you get cash back, too! Credit cards are great as long as you only spend money you have

[@Judith-b3t]

The charts showing daily interest added to the credit card balances are very impactful.

[@deloresbrown2036]

I actively do several of these ideals you gave and it has helped me Save for Retirement More Than I thought Possible! To God Be The Glory!

[@THEJENNIFERCOOK]

Wonderful, Delores! 🤗

[@kerryberry142]

I find physically moving money to my savings keeps me on track. I have a goal of X each payday and moving it physically has really helped me create a habit of saving. Even while paying off my credit card debt I still saved, I know many will disagree but it did create the habit of saving and paying more on debt…almost there , but I do have an emergency fund…that matters to me

[@luannestorer8739]

You had me at “it’s really only one option and that’s God above that matters.” Subscribed❤

[@THEJENNIFERCOOK]

🤗

[@yasmeen6790]

I LOVE LOVE LOVE your videos!! You keep me motivated and made me smarter as to better control my finances. From the bigger things (paying back credit cards relentlessly & moving my raise to a separate account) to the smaller things (leftovers, selling stuff I no longer need) ... The extra benefit of you channel is that you are not preachy ❣

[@THEJENNIFERCOOK]

Awww, thank you so much! I am so glad my videos have been helpful 🤗

[@FayRotz]

I’m painting all old furniture, to not buy new ones, IM trying to cook every day nothing fancy, & IM trying to schedule my routes just to save on gas!

[@DawnRK3204]

I use a credit card that gives money back for purchases. I’ve started a new habit of paying for purchases made on it with my checking account the day I make the purchase.

[@afroditigreekmom]

Thank you for sharing the interest chart! I think sometimes we need to see it to fully understand the impact of how we are spending our money and the interest we pay when we do not fully pay our credit card monthly.

[@THEJENNIFERCOOK]

You are so welcome! I am a visual person, and seeing it helps me to understand it as well. 🤗

[@tinaduncan72]

My car 16 yrs old. Only have 64k miles. Driving til wheels fall off.

[@cynthiafailor3962]

I save a percentage of each check and that budget line item is non negotiable. Thanks for the great tips 🎉

[@THEJENNIFERCOOK]

You are so welcome!

[@gladyschandler6724]

For the holidays, I've been downsizing my good jewelry regifting to close friends.

[@gladyschandler6724]

Im going to do a no spend January & February

[@THEJENNIFERCOOK]

Gladys, that is awesome!

[@A.l.l16]

As a single mom you read my mind but I will be starting from December to February, I not going crazy for Christmas at all ham slices instead of a whole ham !! Starting my own business. I don't have spare time

[@julias8763]

I am doing no spend since Nov 1st till May 1st😊

[@carakerr4081]

We have a 70k income and we are able to put 200 a month into our investing account and 522 a month into 401k. I think this is ok 👍 we also give 400’a month to the poor as we are Catholic 🙏💕🙏God bless 💕🙏🙏

[@tressalewis7004]

It is so true… Restaurant food is not nearly as good as I remember it being. We have not physically been in a restaurant for over five years. Seriously. Do I miss it, not a chance! Our meal out is adding a rotisserie chicken and a salad, possibly coleslaw salad to the grocery order. We have not even been doing that lately. 😂

[@THEJENNIFERCOOK]

Hi Tressa! I hope you have a great weekend 💗

[@tressalewis7004]

@ have a good weekend yourself, Jennifer. I always love seeing a new post from you 💕

[@BridgettesJoyAtHome]

I always love the tips and reminders! Very nice!

[@THEJENNIFERCOOK]

Thank you so much!

[@annbowman4255]

Make sure you calculate your federal tax so you don’t get a refund. Save the difference. Uncle Sam does not pay you interest.

[@MsDoglover02]

I adjusted mine this year because I got too much back for last year's return.

[@andreasmith8405]

How do you do this?

[@Stay_Dangeross]

@@andreasmith8405facts!!! Please explain 😂

[@johnstouchpad6437]

Update your W4 with work ​@@andreasmith8405

[@johnstouchpad6437]

Update your W4 with work ​@@andreasmith8405

[@lcarter844]

Jennifer this was really great info. Thank you so much!!🤗

[@THEJENNIFERCOOK]

You are so welcome!

[@ItsAllHis]

Yes! God’s glory alone, not ours! Love this practical common sense and what you said about not fearing man. You are kind of my “KZbinr” inspiration as I get started😂

[@MsDoglover02]

Thank you for all the time you put into this video! I do like making a game out of living frugally. I just have to share things I'm doing with like minded people and not my sister who says I deprive myself. LOL

[@TinaRegnier]

Thank you ❤ Great tips I’m a natural saver

[@rachelrhoades4379]

As always, I love this video! If I had watched this a year ago, I would have been discouraged because we didn’t have the additional income to save. But now that our credit cards are paid off AND my husband got a promotion, $$$ is going in savings!!! 🎉 Tips we are following: BUDGET BUDGET BUDGET! Track groceries, gas, bills & entertainment money. Don’t eat fast food, it’s horrible for you. Definitely get a high yield savings account! Set a goal with a physical tracker to color in, and do a happy dance when you get to do so 💃🏼

[@THEJENNIFERCOOK]

Rachel, these are great reminders! Also, I am so excited for you and having your credit cards paid off! Tell your husband congratulations on the promotion! 🤗

[@lorigoodman3780]

I am doing the nickel game. Only I am using pennies. With my situation right now. I can only do a small amount. This is helping me save without thinking much. I also round up when I spend money and that has been a lifesaver for me. Going to try the no spend game next. Love these tips and I found them to be helpful.

[@khensing4516]

Thank you so much for this video. May God bless you and your family as well.

[@THEJENNIFERCOOK]

Thank you so much! God bless you and your family as well 🤗

[@KathyJacksonSanDiegoRealEstate]

if you get rewards from your credit card use the gift certificates that you earned to go out to eat or treat yourself instead of eating out or spending your cash. just make sure yo pay off your card

[@daj4740]

I painted my living room floor antique white to save money. I love the way the paint shows the texture and grooves in the wood.

[@THEJENNIFERCOOK]

I have seen some people do that on different home improvement shows. Great job!

[@SNUGGLYKNITDESIGNS]

This video is so loaded, thank you so much

[@gladyschandler6724]

I remembered when I got an increase, 6:31 i would increase my 401k amount

[@user-km1zw3ku4m]

Thank you Jennifer! I really liked tip #1

[@THEJENNIFERCOOK]

🤗

[@thebusybees2006]

Thank you for the video I have to remember to make do!!Thanks for the reminder. Happy holidays !

[@THEJENNIFERCOOK]

Thank you so much! Have a wonderful rest of the year 🤗

[@thebusybees2006]

@ YW . You, as well

[@nancycerreta5629]

Hi! My big goal for next year is just to get DH to listen to this video. Thanks for your continued encouragement.

[@DawnRK3204]

Yes! Mine is more in a “I’ve worked hard all my life, what can I buy” mode.

[@tinaduncan72]

Good points. I open a high yield savings account 4.5% to deposit my SS check. It's difficult to get cash because no branches are near my house. I don't keep card on me.

[@AlbertD711]

These were some great tips. I tend to be a compulsive spender and have found it difficult to build savings. I’m finally learning that having some savings reduces stress quite a lot. I need to get over the instant gratification from buying things I really don’t need. It’s been a real struggle for me.

[@THEJENNIFERCOOK]

Keep positive. You can do this!

[@AlbertD711]

@@THEJENNIFERCOOKthank you.

[@rhondaisler1882]

Thanks a bunch, you got it right on, especialy the make do tip. My mom allways said that. ❤😅

[@MsJackalMoon]

Yes, 'sneakily' is a word 😂😂 love your videos, Jennifer. In my country you can digitally turn on 'Round-Ups' with some accounts, which does the rounding up for you and ships it all off to a savings account or investments if you prefer. I do that and it's amazing how much it adds up.

[@THEJENNIFERCOOK]

That is an awesome feature! Thank you for sharing 🤗

[@gladyschandler6724]

We're having an issue with our refrigerator, and my son is troubleshooting with KZbin

[@minadelina]

this video changed something in my head. i realized most of the things i want to buy are actually very, VERY unnecessary. from now on i'll try to stop myself buying those things as much as i can. thank you so much.

[@THEJENNIFERCOOK]

You are so welcome! 🤗

[@pamelaesguerra4772]

Thank you for sharing this video. It’s so educational specifically for young people. Hoping more people practice this. Financial literacy is the key 👍

[@virginiarevering4983]

If paying down credit cards is your goal, try to stick to your nose spend for at least 6 weeks. That first set of statements that includes your no spend efforts is very empowering. Love your channel!

[@lindamcteer]

Great tips, as usual. You mentioned potato chips being processed... unfortunately a bag of potato chips makes me very happy. I'm working on cutting back, but it's hard because I think chips are the best snack food/junk food ever! I loved when you said God's opinion is the only one that matters. Happy Holidays

[@THEJENNIFERCOOK]

Hi Linda! I know what you mean about chips. Have a wonderful week 🤗

[@graceyfreeman2502]

I looooovvveeeee chips, too. Maybe we should make our own? Which is also health?

[@lindamcteer]

@@graceyfreeman2502 I purchased a microwave potato chip maker from Amazon. It's ok but not great, and the chips don't taste like store-bought.

[@dorawedlock3969]

Try buttered popcorn!

[@lindamcteer]

@@dorawedlock3969 Yes!!!

[@mayrasalazar1447]

Can you please make a video of how to pay your mortgage faster

[@kevinmoore9524]

This is helpful.

[@hypersynesthesia]

These were sensible tips - and good to see some advice in there about indirect ways to save money. Yep, eating cheap but bad food is going to cost you more in the short AND the long term. Yep, smoking is also going to come with a long term cost when it impacts your health. One thing I think Americans should demand is better bank accounts - the kind that come with budgeting tools, low overdraft rates, and built-in optional hi-interest savings accounts (I’m in the UK and I currently have a 4.30% savings pot and. 3.85% pot (I save for different things in each pot) through my current account, accessed from within the same app). It’s wild to me what you guys are expected to put up with, and US banks really ought to up their game.

[@THEJENNIFERCOOK]

Thank you for sharing this! ❤️

[@edwardjacknitsky5630]

Always great info.

[@commentator9730]

Watching from Philippines🇵🇭

[@SpatchG]

I hope you vlog your no spend January, Jennifer. Here in New Zealand, January is summer holidays, February back to school...so I might have a miserly March! 😂

[@callalacey]

So many great suggestions!

[@THEJENNIFERCOOK]

Thank you so much!

[@conniecarter8386]

Yes I want to pay down my student loan and save for an emergency fund as well as get months ahead in bills😊

[@THEJENNIFERCOOK]

Connie, those are great goals 🤗

[@libbysworld7649]

Thank you for this video. Our savings rate this year has been 22% on our gross income. We are increasing to 27% for next year. That makes me feel really good. I'd love for that to boost to 30% + for every year thereafter until retirement. Some of this "savings" is for sinking funds that are meant to be spent. I'm wondering if you feel I should deduct the sinking funds from our savings rate?

[@THEJENNIFERCOOK]

I think you are doing a great job! Do what is best for you and your family goals.

[@maureenvallieres3555]

Amen to that ( increase saving in 2025.

[@BudgetsWithELMA]

Another wonderful video and thanks for sharing this 😊❤

[@THEJENNIFERCOOK]

Thank you so much! ❤️

[@thevegantitian]

Good tips!

[@RosieLindsey-bq9tb]

I really enjoy this video 😊

[@THEJENNIFERCOOK]

Thank you!

[@KathyJacksonSanDiegoRealEstate]

love your ideas!!!!!!❤

[@THEJENNIFERCOOK]

Thank you so much!

[@dora9368]

Love it❤

[@donaldwilliamsjr2214]

Wife and I got $40k in debt and I'm gonna knock it all out within a yr.

[@tinascott1479]

We won’t be going out for breakfast ever again if possible. Me, my husband and my 13-year-old daughter went to go have breakfast that would normally have cost us about $25 to sit down and have a breakfast now $70 and that includes tip will not be doing this again plus I cook better anyway.

[@THEJENNIFERCOOK]

Tina, that is a lot! Breakfast at home for dinner is one of my favorite meals, and it is super inexpensive. Have a great week!

[@bengalboypaco3140]

I stopped going out to breakfast years ago such a shame i used to love the diner atmosphere for breakfast

[@kerryberry142]

Question, would you recommend paying more to mortgage at 2.75% or putting that extra in a HYS account where you get 4.25%

[@rachelrhoades4379]

This is a great question!! I’d love to know the answer as well.

[@HeatherTokash]

Great videos. Thank you

[@THEJENNIFERCOOK]

Thank you so much!

[@granitemoss1451]

Wonderful tips!

[@THEJENNIFERCOOK]

Thank you!

[@successinsandiego]

Recently stopped eating at restaurants. In just a little over a month I have saved over $700. I averaged $25 a day as a single person eating on the run and buying a tea. I’m taking the monthly savings and putting in an account with good interest. By the end of 2025 I should have about 10K to use as a down payment for an investment property Going to try to do a “no buy” every other month at least

[@donnarakitzis2719]

Smart tips

[@einat1622]

If there's a book you're interested in reading- check local library for available copy first (it can be done online). But less of, but more frequent- or buy the larger amount but freeze what you won't be using soon.

[@shelbygreen3404]

Awesome 😮😊

[@kimfroman2023]

I'm freelance and make different amounts from month to month. I have never figured out how to budget.

[@zyaayz]

Thank you

[@joyceumstead3864]

I would like to hear your advise on low income senior citizen spending.

[@doreenblea207]

Amen sister!!!🙏🏻🙌🏻❤

[@rebeccacoffman3497]

Thank you.

[@THEJENNIFERCOOK]

Rebecca, you are very welcome! 🤗

[@josecaraballo6053]

Making a list 👍

[@tinaduncan72]

I drink 3/4 cups of coffee a day, so I make it home instead of buying it out.

[@bluerye405]

I like "make do or do without."

[@StinzandL]

I use debit card, rarely cash. (I really should use cash more. I'm at the point of wrapping coins. It's fun ^_^ ) CC's are too easy to abuse/ignore the rates.

[@riahall45]

Transfer $10 per day into your HYSA

[@cynthiameinhardt3315]

I am getting a debit card so I don’t use my credit cards anymore. Interest is dreadful.

[@gladyschandler6724]

Definitely, when I receive my 1:28 aside , 5k in a CD

[@maria_w311]

Hi Jennifer 👋🏻

[@THEJENNIFERCOOK]

Hi Maria! 🤗

[@talinac6491]

Subscriber here, there haven't been any new tips in these recent videos. Feels like a remix of old lists. Budget(audit/tracking), round up, automate savings... Maybe I'm just having deja vu.

[@THEJENNIFERCOOK]

Hi there! Those are some of the most impactful tips I have used, so I continue to repeat those in videos with a wide variety of other ideas. I hope you have a wonderful week 🤗

[@michelleneubauer5099]

Unlike other niches on KZbin, finance is pretty straightforward when it comes to what to do. Ive watched nearly all of her videos and although I’m quite good with money and know most of the tips and tricks I think it’s a great way to remind yourself of all the options and one can always improve or get back on track! 😊 doesn’t always have to be some Groundbreaking new thing - sometimes all the power is going back to the basics! 🎉

[@michelleneubauer5099]

@@THEJENNIFERCOOKin any case. Keep doing what you’re doing ❤

[@patmartin9727]

Totally agree the reminders of old methods helps to make me look and make sure I am still doing all those things it also gives new subscribers vital information and sets them on a good Financal journey.

[@Jadyvittone]

Hi😊

[@afafarmanious3655]

Hello

[@naynayblue8915]

❤

[@ceceliacarter1670]

❤❤❤

[@stuarthudson2158]

I transfer 5.5% of my Fortnightly pay every fortnight into my 401k reduces tax put 100 a month into my car A/c seperate 1200 a year transfer Tax Refunds around 2500 Pounds 💷 around 5000 pounds 💷 a year at 5% per annumm in just 5 years have 25000 pounds 💷 for a new car 🚗 every 5 years don't miss it cheers 👍 regards from stewy Hudson and Family Birmingham city England 👍 😀 😉 👏 😄 😎 👍

[@kerryberry142]

I find physically moving money to my savings keeps me on track. I have a goal of X each payday and moving it physically has really helped me create a habit of saving. Even while paying off my credit card debt I still saved, I know many will disagree but it did create the habit of saving and paying more on debt…almost there , but I do have an emergency fund…that matters to me

[@DC-ef8op]

Your videos are amazing, best so far thank you!!!!