28 tricks and tips to save money

Adding Toothpaste On Brush
Do you cover your entire toothbrush with toothpaste?  You’re using too much and wasting money.  The American Dental Association and even toothpaste companies recommend using a pea-sized amount for each brushing. (Thinkstock) (Getty Images/iStockphoto/AndreyPopov)
FILE - This Tuesday, Aug. 11, 2009 file photo shows packages of aspirin on the shelves of a drugstore in Chicago. In results published in the Journal of the American Medical Association on Tuesday, March 17, 2015, aspirin users were less likely than nonusers to get colon or rectal cancer if they had genetic traits found in about 90 percent of the participants. Cancer patients were less likely to have the beneficial traits, and less likely to be frequent aspirin users. (AP Photo/M. Spencer Green)
Don’t hesitate to buy store brand medicines such as cough syrup and aspirin.  By law they have to contain the same amount of the same active ingredients as their big-name counterparts, but on average they cost 36% less. Only the inactive ingredients are allowed to be different. (AP Photo/M. Spencer Green) (AP)
This March 27, 2014 photo shows shoppers in the produce section at the the Whole Foods Market in Woodmere Village, Ohio. Whole Foods reports quarterly financial results on Wednesday, May 6, 2015. (AP Photo/Tony Dejak)
At Whole Foods, it’s company policy to let you taste a sample of anything in the store for free, even if they have to open a box. (AP Photo/Tony Dejak) (AP)
FILE - This Dec. 20, 2010 file photo shows signage at a Starbucks store in New York. (AP Photo/Richard Drew, File)
If you bring in your own cup or tumbler to Starbucks, you’ll get 10 cents off any drink.(AP Photo/Richard Drew, File) (AP)
Starbucks
The smallest drink Starbucks offers is not a Tall, it’s a Short.  The Short costs less, but a Short cappuccino contains the same amount of espresso as the Tall. (Courtesy Starbucks) (Starbucks)
FILE - This Saturday, May 31, 2014, file photo, shows the Starbucks logo at one of the company's coffee shops in downtown Chicago. Starbucks reports financial results Thursday, Nov. 3, 2016. (AP Photo/Gene J. Puskar, File)
Buy a drink at Starbucks and stay in the store, and you can refill your cup with hot or iced coffee or tea for just 50 cents, over and over again.  If you use a registered Starbucks Card or the Starbucks mobile app to buy the initial drink, your refills are free. (AP Photo/Gene J. Puskar, File) (AP)
 Exercising for the primary goal of losing weight will not help most people stick with exercise over time. (Thinkstock)
Thinking of buying a treadmill?  Save money by buying used on sites like Craigslist, where there are usually plenty for sale. (Thinkstock) (Getty Images/iStockphoto/ArthurHidden)
Kids could earn cash by not being on their phones. (AP Photo/Rogelio V. Solis, File)
Americans pay an average of $75 a month for cellphone service, and switching to a prepaid plan can save you a bundle. Pogue calls prepaid phones “one of the biggest money-saving secrets left on earth.” (AP Photo/Rogelio V. Solis, File) (AP)
Adjusting Home Temperature
Using your programmable thermostat correctly could save you significant cash. Lost the manual? Search for it online. If you don’t have one, you can buy a programmable thermostat for as little as $25. (Thinkstock) (Getty Images/iStockphoto/tab1962)
flattire1200.jpg
If you have a flat tire that’s fixable, many tire chains — including Goodyear and Mr. Tire — will repair it for free. (Thinkstock) (Thinkstock)
Relaxed teenage girl with remote control watching smart TV
You’re probably familiar with services like Hulu and Netflix. But also consider buying an HD antenna to get free access to local TV channels.  Some even mount in your attic instead of on the roof. (Thinkstock) (Getty Images/iStockphoto/manaemedia)
Cable Boxes of the Future
If you are renting your cable box and/or DVR (check your bill), you could save hundreds of dollars by buying one instead on sites like cableboxandmodem.com. (AP Photo/Matt Rourke, File) (AP)
FILE - In this May 6, 2010 file photo, a DirecTV satellite dish is attached to a roof at a home in Palo Alto, Calif. The government is taking the nation's biggest satellite TV provider to court, accusing DirecTV of misleading millions of consumers about the cost of its programming. The Federal Trade Commission said Wednesday that its complaint charges DirecTV Inc. with deceptively advertising a discounted 12-month programming package. Consumers weren't clearly told that the package requires a two-year contract, the commission said.  (AP Photo/Paul Sakuma, File)
Don’t pay for cable or satellite TV service while you’re out of town on vacation if you don’t have to. Most providers will let you put your service on hold. For instance, DirecTV will let you do it twice a year for free. (AP Photo/Paul Sakuma, File) (AP)
FILE - In this Friday, Jan. 17, 2014, file photo, a person displays Netflix on a tablet in North Andover, Mass. Netflix subscribers can now download shows and movies to watch later when they’re not online, like during a flight or car. The download option was added to phone and tablet apps Wednesday, Nov. 30, 2016. (AP Photo/Elise Amendola, File)
Get rid of monthly subscriptions you’re paying for, but not using, Pogue suggested. A free website called AskTrim.com will hunt them down for you and will even cancel them for you via text message. (AP Photo/Matt Dunham) (AP)
(Thinkstock)
How much do state governments have in unclaimed funds? About $60 billion. Find out if any of those funds belong to you by typing your name into the free-to-use website Claimdog.com. (Thinkstock) (Getty Images/iStockphoto/MattZ90)
FILE- In this April 13, 2014 file photo, the Internal Revenue Service Headquarters (IRS) building is seen in Washington. Wednesday, April 15, 2015, is the deadline for filing income tax returns, a day long associated with the dread of rushing to fill out complicated forms and, perhaps, making a payment to Uncle Sam. But for most, it’s not that bad. Aside from the complicated forms, tax season generates $300 billion in tax refunds each year, a significant boost to the U.S. economy.  (AP Photo/J. David Ake, File)
The federal government has a website that will help you find other kinds of unclaimed funds, including undelivered or unclaimed federal tax refunds. (AP Photo/J. David Ake, File) (AP)
FILE - In this Sept. 16, 2016, file photo, Lisa Gao, from Chicago, compares a new jet black iPhone 7, right, with her iPhone 6 at an Apple Store in Chicago. Apple said in a lawsuit filed Monday, Oct. 17, 2016, that it has been buying Apple products labeled as genuine on Amazon.com and has found nearly 90 percent of them are counterfeit. (AP Photo/Kiichiro Sato, File)
Cellphone plans change often, so the end of the year is a good time to call your carrier and see if the plan you’re paying for is still the best one for your needs.  Same goes for your insurance companies. (AP Photo/Kiichiro Sato, File) (AP)
Sweden's King Carl XVI Gustaf speaks at the unveiling of the design of the Raoul Wallenberg Congressional Gold Medal at the Department of Treasury in Washington, Thursday, May 9, 2013. (AP Photo/Charles Dharapak)
Ever lose a paper savings bond? The U.S. Department of the Treasury’s Treasury Hunt website can help you replace it if it’s a Series E issued in 1974 or later. (AP Photo/Charles Dharapak) (AP/Charles Dharapak)
New York investment firm Veritas Capital will acquire Melbourne, Florida-based Harris Corporation's government IT contracting business for $690 million. (AP Photo/Marcio Jose Sanchez, File)
Buy a discounted “refurbished” computer instead of a brand new one, Pogue said. They are computers that were sold and returned, but never used. They go through more inspections than a brand-new computer does. (AP Photo/Marcio Jose Sanchez, File) (AP)
Christmas shopping (Adam Berry/Getty Images)
Always check RetailMeNot.com before buying anything in person or online. It’s a collection of the latest coupons, deals and discounts available at a dizzying number of online and brick-and-mortar stores. (Adam Berry/Getty Images) (Getty Images)
Need a gift for a film buff who regularly goes out to the movies? A MoviePass.com membership allows you to see an unlimited number of films for just $30 a month. But 3-D and IMAX movies are not included.
Need a gift for a film buff who regularly goes out to the movies? A MoviePass.com membership allows you to see an unlimited number of films for just $50 a month. But 3-D and IMAX movies are not included. (Thinkstock) (Getty Images/iStockphoto/dolgachov)
1291045
In general, extended warranties on big ticket items are a ripoff, Pogue said. Your credit card probably offers extended warranty coverage on your purchase for no extra charge. (Thinkstock) (Getty Images/Digital Vision.)
Gift boxes and wrapping paper rolls
Instead of buying holiday gift wrap that gets ripped up and thrown away every year, Pogue suggests buying drawstring gift bags in multiple sizes that can be reused year after year. (Thinkstock) (Getty Images/iStockphoto/anskuw)
Many consumers either love or hate credit cards. They can be extremely helpful if used responsibly, but they can also hurt you if you don't use them right. (Thinkstock)
Want to buy someone a gift card? Pogue suggests a prepaid Visa, which is redeemable anywhere and never expires. You can pay a small fee through sites such as GiftCards.com to get one personalized with any photo you want. (Thinkstock) (Thinkstock)
FILE - In this file photo taken Dec. 12, 2007, a variety of gift cards for use at various stores and restaurants are displayed at a convenience store in Brunswick, Maine. Caps on credit card penalty fees, and bans on gift card expiration dates. These are among the changes in the final round of new consumer card protections set to go into effect Aug. 22, 2010. (AP Photo/Pat Wellenbach, File)
Have a gift card you’ll never use?  At sites like CardCash.com, GiftCardGranny.com and Raise.com, you can sell unwanted gift cards for slightly less than they’re worth, and buy gift cards you want at a discount. (AP Photo/Pat Wellenbach, File) (ASSOCIATED PRESS/Pat Wellenbach)
FILE - This Tuesday, Dec. 22, 2009, file photo shows a gift card kiosk at a CVS/Pharmacy, in New York. Gift cards are a popular present at the holidays. The National Retail Federation says more than half of consumers plan to give one in 2016. But they aren’t always wanted, as research organization CEB TowerGroup estimates that $1 billion of the $130 billion spent on gift cards in 2015 went unused. (AP Photo/Mark Lennihan, File)
Instead of letting the last few bucks on a prepaid credit card go to waste, use them up at a retailer, restaurant or even a utility that lets you pay with more than one credit card. (AP Photo/Mark Lennihan) (AP)
FILE - This Sept. 6, 2012, file photo, shows the Amazon logo in Santa Monica, Calif.  (AP Photo/Reed Saxon, File)
If you have an Amazon account, use up the last $3.32 on a $25 prepaid credit card buy buying an Amazon gift card for that exact amount. (AP/Reed Saxon) (AP/Reed Saxon)
Reports from victims say the caller kept them on the phone while they went to load up an iTunes or Visa gift card. They then gave the caller the number on the back of the card to access the funds. (Thinkstock)
Square will give you a free magnetic stripe credit card reader that plugs into your smartphone or tablet.  Swipe a prepaid card (regular credit cards, too) and Square takes a 2.75% fee before depositing the rest in your bank account. (Thinkstock) (COJOCARU DRAGOSH)
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Adding Toothpaste On Brush
FILE - This Tuesday, Aug. 11, 2009 file photo shows packages of aspirin on the shelves of a drugstore in Chicago. In results published in the Journal of the American Medical Association on Tuesday, March 17, 2015, aspirin users were less likely than nonusers to get colon or rectal cancer if they had genetic traits found in about 90 percent of the participants. Cancer patients were less likely to have the beneficial traits, and less likely to be frequent aspirin users. (AP Photo/M. Spencer Green)
This March 27, 2014 photo shows shoppers in the produce section at the the Whole Foods Market in Woodmere Village, Ohio. Whole Foods reports quarterly financial results on Wednesday, May 6, 2015. (AP Photo/Tony Dejak)
FILE - This Dec. 20, 2010 file photo shows signage at a Starbucks store in New York. (AP Photo/Richard Drew, File)
Starbucks
FILE - This Saturday, May 31, 2014, file photo, shows the Starbucks logo at one of the company's coffee shops in downtown Chicago. Starbucks reports financial results Thursday, Nov. 3, 2016. (AP Photo/Gene J. Puskar, File)
 Exercising for the primary goal of losing weight will not help most people stick with exercise over time. (Thinkstock)
Kids could earn cash by not being on their phones. (AP Photo/Rogelio V. Solis, File)
Adjusting Home Temperature
flattire1200.jpg
Relaxed teenage girl with remote control watching smart TV
Cable Boxes of the Future
FILE - In this May 6, 2010 file photo, a DirecTV satellite dish is attached to a roof at a home in Palo Alto, Calif. The government is taking the nation's biggest satellite TV provider to court, accusing DirecTV of misleading millions of consumers about the cost of its programming. The Federal Trade Commission said Wednesday that its complaint charges DirecTV Inc. with deceptively advertising a discounted 12-month programming package. Consumers weren't clearly told that the package requires a two-year contract, the commission said.  (AP Photo/Paul Sakuma, File)
FILE - In this Friday, Jan. 17, 2014, file photo, a person displays Netflix on a tablet in North Andover, Mass. Netflix subscribers can now download shows and movies to watch later when they’re not online, like during a flight or car. The download option was added to phone and tablet apps Wednesday, Nov. 30, 2016. (AP Photo/Elise Amendola, File)
(Thinkstock)
FILE- In this April 13, 2014 file photo, the Internal Revenue Service Headquarters (IRS) building is seen in Washington. Wednesday, April 15, 2015, is the deadline for filing income tax returns, a day long associated with the dread of rushing to fill out complicated forms and, perhaps, making a payment to Uncle Sam. But for most, it’s not that bad. Aside from the complicated forms, tax season generates $300 billion in tax refunds each year, a significant boost to the U.S. economy.  (AP Photo/J. David Ake, File)
FILE - In this Sept. 16, 2016, file photo, Lisa Gao, from Chicago, compares a new jet black iPhone 7, right, with her iPhone 6 at an Apple Store in Chicago. Apple said in a lawsuit filed Monday, Oct. 17, 2016, that it has been buying Apple products labeled as genuine on Amazon.com and has found nearly 90 percent of them are counterfeit. (AP Photo/Kiichiro Sato, File)
Sweden's King Carl XVI Gustaf speaks at the unveiling of the design of the Raoul Wallenberg Congressional Gold Medal at the Department of Treasury in Washington, Thursday, May 9, 2013. (AP Photo/Charles Dharapak)
New York investment firm Veritas Capital will acquire Melbourne, Florida-based Harris Corporation's government IT contracting business for $690 million. (AP Photo/Marcio Jose Sanchez, File)
Christmas shopping (Adam Berry/Getty Images)
Need a gift for a film buff who regularly goes out to the movies? A MoviePass.com membership allows you to see an unlimited number of films for just $30 a month. But 3-D and IMAX movies are not included.
1291045
Gift boxes and wrapping paper rolls
Many consumers either love or hate credit cards. They can be extremely helpful if used responsibly, but they can also hurt you if you don't use them right. (Thinkstock)
FILE - In this file photo taken Dec. 12, 2007, a variety of gift cards for use at various stores and restaurants are displayed at a convenience store in Brunswick, Maine. Caps on credit card penalty fees, and bans on gift card expiration dates. These are among the changes in the final round of new consumer card protections set to go into effect Aug. 22, 2010. (AP Photo/Pat Wellenbach, File)
FILE - This Tuesday, Dec. 22, 2009, file photo shows a gift card kiosk at a CVS/Pharmacy, in New York. Gift cards are a popular present at the holidays. The National Retail Federation says more than half of consumers plan to give one in 2016. But they aren’t always wanted, as research organization CEB TowerGroup estimates that $1 billion of the $130 billion spent on gift cards in 2015 went unused. (AP Photo/Mark Lennihan, File)
FILE - This Sept. 6, 2012, file photo, shows the Amazon logo in Santa Monica, Calif.  (AP Photo/Reed Saxon, File)
Reports from victims say the caller kept them on the phone while they went to load up an iTunes or Visa gift card. They then gave the caller the number on the back of the card to access the funds. (Thinkstock)

WASHINGTON — First, he offered up his life hacks to make every day a little bit easier. Now, author David Pogue is back with his latest tips and tricks to help people get the most out of their money.

WTOP talked with the New York Times best-selling author about his latest book, “Pogue’s Basics: Money: Essential Tips And Shortcuts (That No One Bothers To Tell You) About Beating The System.”

Scroll through the gallery to see some of Pogue’s suggestions to save money and “beat the system” on everything from cars and cable TV, to gift cards, Groupons, treadmills and toothpaste.

If you missed WTOP’s interview with Pogue last year on essential life hacks, be sure to check it out.

Copyright © 2019 The Associated Press. All rights reserved. This material may not be published, broadcast, written or redistributed.

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