Are you sick of worrying about the budget and how you’re going to cut back and save even more? Well, don’t worry. Here are 3 easy ways to save some cash without even noticing:

Upromise and other programs like it allow you to accumulate savings for a college fund when you purchase items you already buy with registered store cards or credit cards. The best part – there are no sign-up or association fees.

You could save hundreds each year in bank fees simply by using your own bank’s ATMs. If you have a debit card, you can also get cash back at the grocery store and other places and you won’t get charged outlandish fees for accessing your own money.

Finally, one of the easiest ways to save money without cutting back is by keeping only the minimum balance in your checking account. Deposit everything you earn in to a high-yield savings account. Then transfer money for free online to cover any checks you write. This way you’re earning interest on the money you’ve earmarked to pay your bills.

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Filed under: Credit Cards, Money-Saving, Retirement