Masters of Savings Degree
Free and low-cost programs that stretch your budget further.
Before you grab that next coupon, Ima B. Cheap suggests:
“Saving isn’t just about your wallet—it’s a kindness to your future self.”
Got a scary medical bill? How to get it reduced or forgiven through hospital charity care, check it for errors, use your No Surprises Act rights, negotiate, set up a fair payment plan, and protect your credit.
The senior discounts that save the most: a lifetime national parks pass, help with Medicare premiums, property tax relief, half-price transit, utility and phone discounts, tax breaks, free classes, and more.
No dental insurance? Where to find free or low-cost dental care: dental schools, community health centers, Medicaid, free dental clinics, Dental Lifeline Network for seniors, and smart ways to cut the bill.
Why pay to file your taxes? How to file free with IRS Free File, Free File Fillable Forms, VITA, TCE, and AARP Tax-Aide, plus how to dodge upsells and refund fees.
Struggling with your electric, gas, or heating bill? How to get help through LIHEAP, utility discount programs, free weatherization, payment plans, and shutoff protections, plus easy ways to lower your bill this winter.
Paying too much at the pharmacy? 10 ways to lower your prescription costs, from generics and discount cards to Medicare Extra Help, the 2026 drug cost cap, and free patient assistance programs.
Lifeline knocks up to $9.25 a month off one phone or internet bill for qualifying households. Who qualifies, how to apply safely, and other ways to shrink your phone and internet costs.
Need a wheelchair, walker, or shower chair? How to borrow medical equipment free from a loan closet, get it through Medicare, or buy it used for a fraction of the price.
Your library card is the best free membership in town: ebooks, audiobooks, movies, museum and park passes, online classes, tools, Wi-Fi hotspots, tax help, and more. Here’s what to ask for.