Work from home one day a week. For SUV drivers, the savings in commuting costs alone can be up to $1,965 a year.
Upgrade your washing machine. The top Energy Star-certified washers can save you as much as $91 a year, or $1,001 over a typical 11-year life.
Transfer credit card debt to a card with 0 percent interest. The average American pays about $2,400 in credit card interest annually. Find better options at WalletHub.com.
Pay your mortgage twice a month. A $300,000 mortgage at 4 percent costs $1,432 a month. Pay $716 every two weeks and cut your annual interest payments by $1,138.
Get help on drug costs. Medicare beneficiaries may qualify for the Extra Help program to cover prescriptions. Savings: up to $4,000 a year. Apply at socialsecurity.gov/extrahelp or call 800-772-1213.
Call in a medical bill negotiator to review your bills for errors and overcharges, and save up to $3,000.
Become a one-car couple. Selling the second car could save $4,118 a year.
Audit a college course. Many universities offer free auditing for seniors. No credit, but save $3,117 for a course at a private institution.
Apply for free meds. Through the Partnership for Prescription Assistance (pparx.org), qualified patients can get help. A free 120-day supply of the diabetes drug Victoza would save $2,096.
Max out your retirement plan. One-fourth of workers at companies offering 401(k) plans don't get the full match, missing out on an average of $1,336 in free money annually.