702-706-1844

Principles:
In life, payments over time are obviously nearly always worse than paying outright. Mortgages are typically the only major exception. If you can’t afford it, save up.

Find Cheaper Alternatives
I check if Temu or AliExpress has the same thing at a 10th of the price when general or specific needs pop up. As a rule: If it's made in china anyway, you can usually get it cheaper.
E.g. Phone/electronic cases, kitchen sponges, cable organizers, TDS meters, rope/paracord, car seatbelt cutter/window breakers, nfc tags, etc.

Stop buying junk that will break
Search r/BuyItForLife and r/GoodValue when purchasing in a new category. Replace old breakable stuff with things that will last or which have lifetime warranties. So much more there. TheWireCutter frequently has good suggestions and will at least inform you of which variables to be aware of. I usually go with Reddit first, however, as there is less chance of an affiliate or monetary bias.

Second-hand?
Track and save searches on facebook marketplace, facebook yard sale groups, craigslist, and ebay.
Threadup also has women's clothing that you can filter by "new with tag" to save 90% on.
I once scored a $1000-value pristine Steelcase Leap V2 ergonomic chair for only $100 (with a messed up hydraulic) that Steelcase immediately replaced for free under their lifetime warranty.

Mattresses: Learn up on the variables and buy from a smaller manufacturer that won’t rip you off. Scored a ~$900 100% latex mattress that should last 2-3x longer than most regular mattresses that cost 2x that amount.

Get Money Back on Your Broken Stuff
If you're like me, you may have noticed that many products tend to fail soon after their warranty has expired. This is because companies tend to set their warranty coverage period at a place where they know they can minimize how many products they have to cover, while still keeping customers happy if they fail too soon. The good news is that most credit card companies tend to have an Extended Warranty plan which will add 1-2 years worth of coverage (for a combined total of 5) on any product you purchase with the card provided the manufacturer's warranty is less than 5 years. Obviously if you broke something, it won't be covered, but if you take care of your stuff you shouldn't run into that too often. 🙂

Submitting a claim through American Express, for example, takes approximately 5 minutes and no supporting documentation is required besides the date, vendor, and length of the warranty that has expired. Just like that, within 24 hours the full price of the product will be reimbursed. In my experience, no questions are asked or evidence required, though that may differ for products over $50.
American Express Extended Warranty
Visa Signature Extended Warranty
MasterCard Extended Warranty

Shop at places with unlimited return policies/Warranties
Inclusive even of accepting returns on used items: Costco, Kohls, Trader Joe’s. Full list.
Return Protection - Get your money back for up to 90 days with this free perk on many credit cards. You may need to google your card to determine if it has this perk if it is a MasterCard.
AmericanExpress Return Protection
Visa Infinite Return Protection
MasterCard Shopping Protection

Amazon - If you have amazon prime and a package ever arrives late, email a complaint noting that you have amazon prime and expect deliveries within a certain timeframe. Ask them what they can do for you. They will almost always extend your prime membership for a month. Occasionally they will offer a refund.
If a product you purchase is unsatisfactory or has a flaw, mention it in a review. Occasionally vendors of sub-$50 products will refund you and often let you keep the product (Sometimes they require photo verification).

CamelCamelCamel - Track Amazon Price History to check if you’re getting the best deals and receive alerts.

Fast Food - For drive-through or takaway orders, if your food isn’t as ordered after you leave, call the number on the receipt and complain. If it was their fault, they will usually offer to replace the food item the next time you come by. If the bad order is still edible, you score!

Jamba Juice - ½ off 2 small smoothies of the same kind: Order a large smoothie and ask for them to put it into two smaller cups. They frequently blend more than will fill a large cup, and a large will usually completely fill two small cups for cheaper than ordering two smalls.

Camelbak offers a lifetime replacement warranty where they will replace a faulty/broken water bottle part without requiring you to send anything in.

Stores that price-match:
Bed Bath & Beyond, Best Buy, Fry's Electronics, Home Depot, JC Penny, Kohl's, Lowe's, Michaels, Office Depot, Office Max, Sears, Sports Authority, Staples, Staples, Target, Walmart.
For matching with amazon sellers, ensure that it is an authorized seller if you want the match to be honored.

Clothing - Consider heavily marked-down clothing of a different size with consideration for the fact that you can get some items tailored to fit and still come out with a deal.

Phones
Almost never buy a phone on a payment plan. You will pay more than buying it outright. I’ve done the math nearly every year for the last decade for the iPhone. Rare exceptions apply at new model releases, so do the math yourself.

Software:
Check past-year discounts and then waiting till next Black Friday or other holidays for software purchases.

Nearly every subscription has an open source or lifetime/version purchase alternative that will save money. I.e. Affinity design suite instead of Adobe.

Jc Penny - If you are in Jc Penny and see something on sale/clearance, scan its barcode with the Jc Penny app and apply the biggest online coupon in the app. Usually they are worth more than in store coupons. Then go to the counter and let the cashier know you have a challenge for them, and explain that you could order online now and pickup in a few hours, but request that they just apply the same coupon to save you an extra trip back later. They may have to ask their supervisor, but they totally have the ability to set merchandise to any price. I got a $300 suit for $100 this way.

Coupon/Rebate apps and services:=
Ebates - Get 5-30% cash back rebates by browsing to an online store of choice through Ebates.
Honey - Browser Add-on that automatically checks/compares prices and applies coupons.
Retailmenot - Lists coupons for all major stores. iOS app available.
ActiveJunky - Earn Cashback by using their site as a portal to purchase outdoor gear.

Buy Discounted Gift-cards:
Giftcardgranny

Best Credit Card % & Point maximization resources:
Thepointsguy
Nerdwallet
Reddit.com/r/churning/

Chase Ultimate Rewards points/redemption tip:You can also compare and transfer to Southwest airlines at a 1:1 ratio, or 1:1.5 ratio by booking over the phone with Chase. Sometimes a 1:1 transfer works better than booking through Chase since Southwest airline points are worth more. Only use if Southwest has a better/cheaper option, obviously. There are a few other partnered airlines you can do the same with too.

Internet/Cellphone providers
When they increase their rate, call and ask them to renew their promotion or request to speak to customer retention and explain that you can get a better deal at X company.
You may want to be prepared to cancel and go to a competitor if they can’t reduce the rate.

T-Mobile includes international roaming and some free streaming services. I don’t use them much really, but many do. On a family plan with 5 users, their rate is hard to beat, though occasionally matched by some reseller carriers like Visible or MintMobile.

Verizon sometimes has a deal where they give you a $350-450 gift card to switch, which can be used on your bill. My family did that one year, only actually had to pay for our unlimited plan for 3 months out of that year, and then switched back to a cheaper plan at T-Mobile after the 1 year fine print requirement ended. Big savings.

Check if the company you work for has a corporate discounts for cellphone providers. Some do.

Electricity Companies [some states] - Instead of renewing from a reminder email or your account, see if you can select a rate before logging into your electric company’s website. Sometimes they’ll give you a better rate than your renewal rate because they think you’re a new customer, or because you just selected a lower rate.

If you live in a state where there are many utility resellers (I.e. Electricity in Texas), compare frequently and you can save a ton on electricity. Don’t just mindlessly renew at higher rates. The plans that give you a free smart thermostat or other junk usually get that money back from you many times over.

Reduce Utility Utilization
A smart thermostat that knows when you aren’t home, 8-11 watt Led bulbs, and a water saving shower head can also save a substantial trickle of money over time.

Cheapest Professional Printing Solution - Usually cheaper than anywhere else for quality Flyers, Banners, Brochures, Postcards, Flags, Stickers, Calendars, and more. Link,
Yes, A shameless plug, but seriously, request a quote and see if I’m not cheaper for equivalent or better quality work than you would otherwise get. :-]

Car Services:
Changing your own cabin/engine oil filters for your car and switching to washable options. Cabin filters are ridiculously easy to change, though hidden. Just find a tutorial on youtube.
Rotating tires for free with discount tire or other tire places that don’t charge.
Lifetime alignment at Firestone is cheaper than 2 alignments elsewhere.
Comparing auto insurance options every time I’m up for renewal and asking several agents to find me the best deal. Usually they can get me a better deal than I can find myself. Only maybe 1 in 5 really stand out in savings, though.

Tax:
A lot of people do tax themselves. While I wouldn’t trust chain tax agencies, finding a CPA who runs their own small business and is passionate and knows their stuff can save you from throwing tons of money away. I’ve paid a CPA $100/yr and saved many times that for doing so.

Throw windfalls/unexpected tax returns, etc. at a RothIRA or emergency fund if you don’t have one already.

Credit Cards:
Pay cards off monthly, never carry a balance. As a rule, if I do pay a balance, my commitment to myself is to cut the card up. Also, if you miss paying a balance (hello autopay), the bank will usually forgive the first time and refund the fee if asked. The same is true with rare overdrafts.

2% back on everything cards are usually better unless you’re an absolute pro at cards with rotating categories at 3-5% back.

Some cards have an extended warranty perk. This has paid dividends when random electronics failed less than a year out of their 1-4yr warranty. The Amazon Prime card is one of the few that still offers this with no fee if you already have prime. Also, 5% back.

Banking:
Ally Bank has no fees and much better interest for your emergency savings fund. I still require a brick and mortar bank for cash deposits, but nearly everything else goes to ally. I’ve not found a better competitor.

Home/Apartment:
When moving to a new city for work and looking to rent/buy a place to live, consider commute gas/time/car maintenance costs as part of your rent/mortgage cost. Sometimes it pays to live 2-10 minutes from work rather than 45mins away. I’ve saved thousands by planning a full week of hunting, looking at 40+ places, and then getting to live in a place that saved me a killing for years.

Lifestyle/Mindset:
Figure out what your time is worth based on current income/work hours, and learn to say no if you’re going to spend too much time on something you could actually earn more money by either declining or outsourcing.

Clean, maintain and look after your stuff properly before they break, so they will last longer. Especially true of cars, but also many appliances. The little things add up.

Observing the Sabbath by taking the day off each week free from work/chores/shopping can revolutionize production/output during the rest of the week. In my experience, this has saved me from burnout countless times, and helped me re-prioritize from consumerism to what is most important in life.

• If you have your birthday included in your profile and promotional emails are turned on, look for $20 in credit on your birthday month.
• Also note that Faithlife books are also part of the same ecosystem and will show up in logos if purchased on your account (including any free books).
• Additional coupons and freebies are released frequently. To avoid missing out, join this mailing list: Logos Freebies

Become a Mail Ninja:
My USPS - Automatic notifications whenever someone sends you mail or a package.
Also allows you to specify how/where it gets delivered before it arrives.
Provides daily previews of incoming physical mail to an email address if desired.
My Fedex - Like My USPS, but no daily previews. Per-package notifications instead.

Podcasts, Faster
Overcast (iOS) - Download and play podcasts from any RSS feed at a customizable speed with any long pauses intelligently shortened. The pause shortening feature seems unique to this app, and really allows one to push the speed to a higher limit than you would otherwise be able to still comprehend. I use this for podcasts and sermons all the time.

Stream MP3's from dropbox to RSS for apps like overcast:
JustCast - Limited to 3 files per subfolder/feed on the free plan.
Zapier - I haven’t really tried this one, but looks promising.

Read Without Reading

Step 1: Everything can be Audible for free:
Enable (iOS) System-wide Text to Speech for any app/text (Great for listening to Kindle and Logos books):

1. Open Settings
2. General>Accessibility>Speech>
3. Enable Speak Selection
4. Enable Speak Screen
5. Make sure "highlight content" is off.
6. Under "voices">English> I recommend selecting an (enhanced) version of an English speaking voice as they sound a lot better than the default option. I recommend the enhanced version of the Australian Karen voice, as this one tends to not pause as long as the American voices between sentences.
7. Open your app of choice
8. Use two fingers to drag down from off the top of the screen as if you are pulling down notification center to bring up speech widget and start.

Android: I don't have an Android device, but it seems as though there is a similar way to do this explained here.

Brightness Toggle (iOS)
Triple Press Home Button to Change Brightness:

1. General Settings>Accessibility>Zoom>
2. Set Zoom Region to “Full Screen Zoom”
3. Set Zoom Filter to “Low Light”
4. Set Maximum Zoom Level to 1.2x
5. Enable Zoom and double-tap three fingers and drag to zoom out until no zoom is presently in effect.
6. General Settings>Accessibility>Accessibility Shortcut>
7. Check the “Zoom” option.
8. From now on, every time you triple-tap the home button, it will toggle your screen brightness brighter or dimmer.

Paste raw text without retaining any formatting:
Cmd+Option+Shift+V (Mac)
Ctrl+Shift+V (Windows)

Avoid Waiting on Hold
FastCustomer (iOS) - You select what company you want to call, and they call you after the app has navigated the phone menu and waited on hold for you.
GetHuman.com - Similar to FastCustomer, but tells you how to navigate the tree if there isn’t an automated option.

Misc. Automations:
IFTTT (If This Then That) (iOS, Web)  - Thousands of custom multi-platform automation recipes.
- Automatically backup contacts to google drive: Recipe
- Rain tomorrow notification: Recipe
- Log work hours to spreadsheet based on location: Recipe

Shortcuts (iOS): Reddit Shortcuts Channel

Mac OS, Browser, & iOS Apps
Definitive App Comparisons – Crowdsourced spreadsheet with comparisons for Calendar, E-Mail, Password Manager, and PDF apps.
Affinity Design Suite (Mac/Windows/iOS) - Single purchase alternative to the Adobe design suite (Photoshop, Illustrator, Indesign) with a special feature that merges all of their apps into their publisher app. This makes an integrated cross-app workflow much faster since you don't have to switch apps.
BetterTouchTool (Mac) - Set customizable gestures and taps on mac touchpads. Huge time-saver.
Alfred 5 (Mac) - Spotlight replacement tool with clipboard history and a huge number of extensions. Huge time saver.
Voice Dream Reader (iOS/Mac) - Text to speech app for improving your reading speed and experience. Mac is subscription only, but iOS is one-time purchase.
Dropzone 4 (Mac) - Effortlessly move and copy files on your mac.
ODrive - Mount cloud drives locally for instant syncing without using hard drive space. Offers just about everything you should need for free. 
Bitwarden (Multiplatform) - Password Manager, time-saving autofill function, or hold CMD+Down arrow to trigger it in browsers.
Ferdium (Mac) - All in one messenger and web-app consolidator.
Vanilla / Bartender (Mac) - Organize your Mac menu bar.
Telegram - Better than WhatsApp, 2x audio/video conversation playback.
Eagle.cool - Organize your photo/font library.
Davinci Resolve - Professional free video editing software.
Blender - Professional 3D software.

Doodle (Web) - Simplify meeting scheduling and polls.
Sli.do (Web) - Live Q&A and Polls for your Meetings & Events
Poll Everywhere - Captivates audiences with live activities that deliver actionable results (25 responses free)
Social Fixer - Customize your facebook feed, filter out undesirable topics (I.e. politics), and mark items as read.
Snapdrop (Web) - Cross-platform in-browser airdrop. No installation necessary.

Video Speed Controller - browser-specific speed controls: Firefox, Chrome
Download Helper - Download video from almost any website. Firefox, Chrome

People often say that time = money. If this is true, then all you have to do is calculate the time saved per year and multiply those hours by the amount you earn per hour. Obviously, however, one isn't going to go and work the exact amount of time saved to replenish what is spent on time-saving products, so I prefer to add to this equation the more abstract values of increased enjoyment and reduced frustration realized through the use of some of the following purchases.

Daily stuff:
Osprey Backpacks - Super durable, and a lifetime warranty. Water resistant, featuring buffer space below laptop pockets so as not to smash your laptop when placing it on the ground.
Laptop Sleeve - The perfect sleeve for pulling your laptop out of a backpack with added cushioning.
Tenba BYOBag - Camera/Drone insert bag for non-camera backpacks (Like Osprey).
Darn Tough Socks - A lifetime warranty to where you can return them if they wear though. And super comfortable.
Leatherman Free P4 - My favorite multitool that has a scissors.
D4K flashlight - Super niche, but an excellent EDC flashlight with an advanced UI. Seriously fun, but quite dangerous as it can start fires or burn a hole through your pocket if you don’t know how to use it with lockout mode properly. Auxiliary lights can stay on between 30 days to a year depending on the brightness setting. I spent way too much time learning about LED emitters in the process of custom ordering one.
Tisur Pen - The Miniswitch pen I use has been discontinued, and this looks like the next best option for an EDC keychain pen if you lose yours easily.
MicroLock S-Biner - A better keyring.
Rovyvon Keychain Flashlight - Tiny, recharges in 40min, glows in the dark, UV light, reading light, and regular light. All in one.

Travel:
SuitedNomad Packing Cubes - Decently durable; Lifetime warranty.
Sporks - Useful for camping or keeping in the car.
Travel Adapter - Best cheap travel adapter with plenty of options.
Copper Ice Scraper - If you live in a snow-ridden environment, scraping certain kinds of ice off a windshield can be a nightmare with plastic scraper. This cuts through like butter. Just don’t touch the rest of your car with it at risk of scratching paint.
Car First Aid Kit - Great little pack for the car. Has a good amount of room for adding extras.

Home:
Water-saving shower head - Save money without a majorly noticeable reduction in water flow. In situations with low water pressure, this showerhead has actually improved a lot!
Electric Fly Swatter - Most other designs are more expensive and have a mesh with multiple layers that are so far apart, smaller insects like fruit flies fly right on through. This one catches nearly everything and is good with corners.
Panasonic Microwaves - Inverter microwaves can deliver continuous cooking when set to lower power levels, as opposed to regular transformer-powered microwaves, which cycle between periods of full power and zero power. Panasonic owns the patent and technology, so they tend to be better.
Bidet Toilet Seat - More hygienic, and reduces toilet paper expenses by 80%. This one is the least obvious I could find. One of the best upgrades risked trying.
Liquid Bandaid - Welcome to the 21st century, where minor cuts and scrapes heal faster without a soggy bandaid.
Water Flosser - Super compact, lasts forever on a charge, runs on power when plugged in (rather than waiting for it to re-charge), and so much faster than flossing if you don’t floss 3x a day.
Paper Tray - A cheap, great quality, stackable paper tray that doesn’t accidentally unstack if bumped.
Drill Scrub Attachments - Love scrubbing the bathtub? Me neither. This makes it 100x easier and can attach to even a good electric screwdriver.
Wyze Bulb color - Brightest, best color range options and functionality in general among cheaper smart bulbs. Integrates well with Alexa or google home.
Cabeau Travel pillow - Straps to a headrest and has a higher profile so that you don’t fall sideways. Also, memory foam is great.
Sleep Innovations Pillow - A basic memory foam pillow. Used mine for over a decade, and while the newer ones have slightly more responsive memory foam, they’re still the best I’ve come across.
Umbra Curtain Rods - Neat wrap around design that complement blackout curtains perfectly.
mDesign Trash Can - Simplest office trash can I could find. 
Victorionox Kitchen Knives - Cheap, yet super sharp kitchen knives.
7-Tier Vertical Shoe Rack - Perfect for limited space situations.
PVA Mops - A little pricey ($30), but you replace the pva head once every few years, and it's much cleaner than all alternatives.
Sugru - Moldable hardening glue/rubber with all sorts of practical uses
Smart Lock - Save time coming and going. Saves me at least 4hrs a year. This is the most inexpensive one I know of. Wyze also provides free replacements if there are any persisting technical issues.