Do today
Gas:
- Fill up your tank now before prices rise further
- Download GasBuddy to find cheapest stations
- Use grocery store fuel rewards programs
- Pay with cash at stations offering cash discounts
Groceries:
- Stock up on non-perishables that will get more expensive (cooking oil, canned goods, flour, rice)
- Switch to store-brand products (same quality, 20-40% cheaper)
- Check the unit price, not the sticker price
- Buy produce in season
Do this week
Energy:
- Set thermostat 1-2 degrees lower (saves 3% per degree)
- Seal drafty windows and doors with weatherstripping
- Switch to LED bulbs if you haven’t already
- Unplug devices not in use (phantom power costs $100+/year)
Driving:
- Combine errands into single trips
- Check tire pressure (proper inflation improves MPG by 3%)
- Remove roof racks when not in use (reduces drag)
- Drive 55-60 mph on highways (optimal fuel efficiency)
Subscriptions:
- Audit all recurring charges
- Cancel unused streaming, gym, and subscription box services
- Negotiate phone and internet bills (call and ask for retention offers)
Do this month
Government assistance:
- SNAP/food stamps: Check income eligibility at benefits.gov
- LIHEAP: Apply for heating assistance before winter
- WIC: If you have young children or are pregnant
- Medicaid: Check expanded eligibility in your state
- FCC Affordable Connectivity: $30/month off internet bills
Financial protection:
- Build emergency fund (even $500 helps)
- Pay minimum on low-interest debt, aggressively pay high-interest
- Review insurance for potential savings
- Avoid panic-selling investments
- Lock in fixed utility rates if your provider offers them
Longer-term moves:
- Get solar panel quotes (payback shortens with high energy prices)
- Consider an EV for next vehicle purchase
- Improve home insulation (reduces heating/cooling costs year-round)
- Plant a vegetable garden (food cost hedge + hobby)
Sources: Washington Post, CNBC