General wellnessHealthy relationships

11 simple ways to spend less and save more

Learn tricks from the savviest savers to buy the things you really want—and still build your nest egg.


LearnFinancial health11 simple ways to spend less and save more
Spend your values
Be goal oriented
Automate as much as possible
Give yourself some tough love
Set up roadblocks
Microanalyze your food choices
Slow down the non-grocery shopping
Think "one in/one out"
Give yourself a discretionary gimme
Make a no-cost plan to boost your mood
Keep a 30-day list

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If you really want to change your financial outlook, you have to make it part of your lifestyle (just the way effective eating plans work, too). Some of the following tips are gathered from people who save 35 to 50 percent of their total income and thus buy financial freedom much earlier in their lives than most people—in other words, SuperSavers. Here are eleven ways to spend and save smarter.

Excerpted from the book Age-Proof: Living Longer Without Running Out of Money or Breaking a Hip by Jean Chatzky and Michael F. Roizen, MD. Copyright © 2017 by Jean Chatzky and Michael F. Roizen, MD. Reprinted by permission.

Jean Chatzky is an award-winning financial journalist and CEO of HerMoney.com. Michael F. Roizen, MD, is Chief Wellness Officer for Cleveland Clinic and co-creator of the RealAge Test.

Written by Jean Chatzky.
Medically reviewed by Ann Wendling, MD, MPH.August, 2024
Updated onOctober, 2026
Written by Jean Chatzky.
Medically reviewed by Ann Wendling, MD, MPH.August, 2024
Updated onOctober, 2026
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