Practical savings guides
Build savings without making life miserable
Plain guides for households that want a cash cushion: emergency funds, savings accounts, discounts and everyday habits, plus tools that run in your browser.
- 12 guides
- 5 topics
- 4 tools
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1 hour to plan, then ongoingFreeHow Much to Keep in an Emergency Fund
1 hour to start, then ongoingFreeHow to Build a Savings Habit on a Tight Income
About 1 hourFreeAre High-Yield Savings Accounts Worth It?
1 to 2 hours to set upFreeSinking Funds for Irregular Expenses: How to Start
20 minutes a weekFreeDoes Couponing Save Money? What the Math Shows
Ongoing habitFreeFrugal Habits That Save Money Every Month
A few hours over a monthFreeSmall Savings vs Big Expenses: Where to Focus
A few minutes a weekFreeStacking Cashback Apps and Cards: How It Works
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Frugal TipsHow to Compare Grocery Unit Prices Without Buying More Than You Need
Frugal TipsHow to Audit Your Subscriptions and Count the Savings Correctly
Emergency Fund · FreeHow to Build a Savings Habit on a Tight Income
Frugal Tips · FreeKeep Small Savings From Turning Into Extra Spending
High-Yield Savings · FreeAutomatic Savings: When to Automate and When Not To
Emergency Fund · FreeSinking Funds for Irregular Expenses: How to Start
Frugal Tips · FreeSmall Savings vs Big Expenses: Where to Focus
Frugal Tips · FreeFrugal Habits That Save Money Every Month
Cashback · FreeStacking Cashback Apps and Cards: How It Works
Couponing · FreeDoes Couponing Save Money? What the Math Shows
High-Yield Savings · FreeAre High-Yield Savings Accounts Worth It?
Emergency Fund · FreeHow Much to Keep in an Emergency Fund
Emergency Fund · FreeHow to Build a Savings Habit on a Tight Income
Frugal Tips · FreeKeep Small Savings From Turning Into Extra Spending
High-Yield Savings · FreeAutomatic Savings: When to Automate and When Not To
Emergency Fund · FreeSinking Funds for Irregular Expenses: How to Start
Frugal Tips · FreeSmall Savings vs Big Expenses: Where to Focus
Frugal Tips · FreeFrugal Habits That Save Money Every Month
Cashback · FreeStacking Cashback Apps and Cards: How It Works
Couponing · FreeDoes Couponing Save Money? What the Math Shows
High-Yield Savings · FreeAre High-Yield Savings Accounts Worth It?
Emergency Fund · FreeHow Much to Keep in an Emergency Fund
Tools you can use today
No sign-up. They work on the page.
Savings Growth Calculator: Compare Two Interest RatesEnter a starting amount, a monthly deposit, years and a yearly rate to see the balance and interest earned. Compare two rates side by side. Formula shown.Subscription Audit Worksheet: Annual Cost of Recurring BillsA printable worksheet to list subscriptions and recurring costs, turn each into a yearly figure (monthly x 12) and mark what to cancel or review.30-Day Spending Pause Planner (Tick-Off and Printable)A tickable, printable 30-day planner for pausing non-essential spending: set your rules first, tick each day, and decide where the unspent money goes.Choosing a Savings Account Type: What to CompareCompare savings accounts, money market accounts and CDs by access, fees, insurance and rate type, with a short checklist. No rates or account names.
- Checked against sourcesFigures are compared with published guidance and dated.
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- Fixes are loggedWhen a guide changes, it is recorded with the date.