16 money savvy people share the one financial hack they swear by.

Money is unfortunately a complicated and frustrating problem that human beings invented, but until we decide to burn it all and change society, we must endure things like 'credit scores' and 'saving for retirement'...

So, when a Reddit user asked, 'What is your best financial life hack?' people were ready to share the money tip that changed their lives and bank accounts. Yes, you can keep your daily coffee and avocado toast brunches...

1.

Don't spend money you don't have! It's a revolutionary concept, I know, but it really works wonders. - Fickle-Farmer-1402

2.

I like to not spend $10 bills, whenever I get a $10 I just save it and once it gets up to $500 I deposit in the bank and buy something nice with $250 of it and save $250 of it. - charliesmith14

3.

When at the grocery store make a list before at stick to it. Reusable items (lunch box container; water bottles, forks for school) save money over time. - Elegant_Housing_For

4.

Focus on increasing your income just as much as managing your expenses. - millstone20

5.

3D Printer. A decent printer is a couple hundred bucks, and filament is ~$20/spool. Places like thingiverse have thousands of files for everyday stuff, so you can skip trips to hardware and home goods stores. Just requires a bit of patience (and leveling the bed). - Hephaestus0308

6.

Live a notch below what you can afford. Keep the rest in savings or use on vacations/dinners. Lifestyle inflation from monthly expenses is a thing - YoohooCthulhu

7.

It’s not how much you make, it’s how much you save. - Spirited_Machine_711

8.

Every time I want to buy something big or expensive, I ask myself one question:
Do I NEED this, or do I WANT this? Both answers are fine, I think it's just important to know WHY you spend money. Beeing mindful of things is always a good choice in life. - jahela

9.

Set up an auto transfer to your savings and forget about it. You'll have a savings account in no time, and it doesn't even have to be a big amount. - SabrinaTheCat92

10.

When you spend money think 'Is this worth x amount of time that I spent at work?' - radpandaparty

11.

Every time you get a raise, hide it. Increase your 401(k) contribution, or put it into an IRA, or invest in stock, or just put it aside in savings. In other words, don't get used to a higher level of consumption. This is especially important when you're young. - LetsPlayCanasta

12.

Get a credit card with good rewards and route every purchase through it. Pay it off in full each month and enjoy your free money while simultaneously giving credit card companies the middle finger. - IO_Node

13.

Think of your future self as a different person you need to help. Every time you’re able to save back even $1 it helps your future self out. - jollytoes

14.

Set a new zero. My checking account has $531. $500 is my 0, so I only have 31 to spend/save as I please. - -HeyImBroccoli-

15.

Uninstall grubhub and doordash from your phone - Joker8pie

16.

Bringing pack lunch, or always have a snack in my bag. - sunnyjooooy