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One user inquired about the most effective money - saving practice, prompting the compilation of a list featuring the top 17 choices. These 17 Sneaky Money - Saving Hacks. From simple lifestyle adjustments to savvy shopping strategies, countless sneaky money hacks can help you keep more cash in your pocket. Here are 15 practical tips to. I’m all for trusting yourself in most areas of life, but it can backfire when it comes to money. Because we’re human, and we want what we want — and often that means spending, not saving. I suggest taking the control out of your hands. By that, I mean automating your finances. Here are two strategies you can try: 1. Set up automatic withdrawals from your paycheck into your savings or retirement accounts. (Or both!) One way to do this is to push 10% of your paycheck into a separate, hands-off account with a fintech company like Chime®.It doesn’t charge overdraft fees, monthly maintenance fees, foreign transaction fees or minimum balance fees. Set up an automatic savings account through Digit. Simply link it to your checking account, and its algorithms will determine small (and safe!) amounts of money to withdraw into a separate, FDIC-insured savings account. It’s free to use for 30 days, then $2.99 a month after that. Smart saving strategies help stretch every dollar without feeling deprived. Small changes in daily habits can lead to significant savings over time. These practical tips. Great bands sell out, tourists overrun hidden locales, and foodies crowd the best mom-and-pop restaurants. The same holds for the best frugal hacks. Once too many learn.