Almost everyone says that a primary financial goal is to save more money. There are a number of different approaches to that goal. Some people will take drastic measures that make buying paper towels in bulk or signing up for a free checking account seem amateurish. Coupons can be taken to the extreme, requiring a great deal of time and effort to plan a trip to the grocery store. Others make their own laundry detergent or are willing to give up their cell phones. Fortunately, there are several different ways the rest of us can stretch our dollars without having to do a shopping strategy session.

There are several ways you can get useful stuff for free, even without clipped coupons. Most banks offer at least one type of checking account for free, and some even pay interest. These accounts usually offer online access. as well as bill payment, which can eliminate the need for paper checks. Other useful technology offers are also available. Some smartphone models are available with a two-year contract. Online retailers frequently offer credits for MP3 downloads. Effective antivirus software can also be found online for free or at a discount. Finally, there are also some free book sources. In addition to its public library, Project Gutenberg offers 45,000 public domain titles for download.

Health care is an amazing area where you can actually save money by spending money. Regular visits to the dentist can save money in the long run by preventing serious dental problems. Also, cavities discovered early can be relatively inexpensive to fill. Expensive root canals and crowns may be needed if dental problems are not caught early. An annual physical exam can also catch potential problems before they become serious medical problems. Catching high blood pressure while it’s still easily treatable is much less expensive than treating a stroke or long-term diabetes management.

Getting enough exercise is also an investment in your long-term health. Look for discounts on gym memberships offered by your employer or insurance company. Alternatively, you can get a great workout in a public park, using your body weight, or with videos available online. Of course, quitting will also save on health care costs in addition to the money you’ll save by not buying any more.

Finally, there are several fun ways you can get other free items. In exchange for your demographic information, many magazine subscriptions are free. Many retailers offer something free on your birthday, like dessert. Loyalty programs at your favorite coffee shop or restaurant offer a cup of coffee or a snack just for signing up or downloading their app. Offers are constantly changing, so regularly do an internet search for “how to get free stuff.”

You don’t have to be a professional tightwad to take saving money beyond a free checking account or clipping coupons. Searching for deals and taking advantage of preventative measures can be easy and even fun.