2. Invest Your Spare Change

Yes, I'm serious. It adds up quickly, and you won't miss the “spare change.” In 2020 I saved an extra $2,500 using a micro-investing app, all without noticing the money leaving my checking account. Here's how it works: download a micro-investing app (my favorite is Acorns) and link your spending accounts. When you buy coffee for $4.50, your purchase is rounded up to the nearest dollar, and that $0.50 is automatically invested in a diversified portfolio of low-cost investment funds. It's one of the sneakiest ways to save and invest more money, and it takes very little effort on your end.