Maximize your spending by paying with a rewards credit card. Even better—use a card that offers higher-earning categories. (For example, groceries, gas, restaurants.).
Often, smaller businesses will offer a discount if you pay in cash or with your debit card. (This tip goes against my previous tip.
Many billers and banks offer refer-a-friend programs where you and/or your referred friend receive a bonus.
Resist the alluring sales pitches to buy extended warranties. They’re rarely worth it.