8. HAGGLE If you don’t ask, you don’t get. Before paying for products and services, be sure to search for the best deal possible. Use Google searches or phone apps to compare prices in your area and online. Then, before paying ask the seller if this is the best deal you can get. You might be surprised at how much money you can save if you just ask. 9. SET UP AN AUTOMATIC DEPOSIT Another great way to save is to set up an automatic deposit from your checking account to a special interest-bearing account like a money market account. Have your credit union or bank electronically send whatever amount you designate from your checking account weekly or bi-weekly to your interest-bearing account for free. Putting away even $50 per pay period will net you $1,200 over the year. 10. ONLY THE MINIMUM Now that you’ve got some money, you need to make sure that it’s working for you. A checking account is a place to store money not to have it work for you. Make sure to put “spare” money in an account that’s going to give you as much interest as possible. A great place to seek out these kinds of accounts is Bankrate.com. You can check interest rates on savings accounts, certificates of deposit, money market accounts, and other ways to have your money work for you. Leave only the minimum amount of money that you need to run your household in your checking account.