Ramit Sethi Reveals 3 Quick Wins To Save $100 Without Giving Up Everything You Love: 'You Don't Have To Sit At Home With The Lights Off'

Marc Guberti

Mon, May 19, 2025, 7:01 AM 4 min read

Saving money requires making sacrifices. You will have to spend less in some areas of your life or pick up a side hustle to advance toward your financial goals. Many people end up doing both.

However, financial guru Ramit Sethi says that you don't have to make substantial sacrifices. While he doesn't think you should go on a big vacation if you owe $5,000 on your credit card, you don't have to cut everything out either.

"You don't have to sit at home with the lights off," Sethi explained.

Not only did he paint a more encouraging picture, but he also shared three quick ways you can save $100.

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Subscriptions don't feel that bad when you get started. The gym membership feels exciting, and subscribing to a new streaming platform gives you more entertainment options. However, some people forget about their subscriptions and continue to make monthly payments toward something that they no longer use.

Sethi suggests cutting these expenses from your budget first. You can check your previous credit card statements to see if any recurring expenses come up. However, you shouldn't feel pressured to get rid of a subscription that you use regularly.

The less frequently you check your budget, the more likely you are to find unused subscriptions. Getting rid of these subscriptions minimizes debt buildup and gives you extra money to pay off the remaining balance.

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We use insurance policies for various safeguards, but some insurance providers charge a bit too much. Sethi encourages contacting your insurance company and telling them that you are shopping around for a better rate. Then, ask them if they can offer a lower rate to keep you as a customer.

Some insurance companies will lower your premium, especially if you have been a loyal customer for many years. It's good to periodically shop around for insurance policies so you can save extra money.

While it's okay to spend money on things you enjoy, Sethi is firmly against impulse spending. This type of spending occurs sporadically, and this spending category usually aligns with products and services that improve your life or happiness in any meaningful way.