28 Realistic Ways Veterans Can Save In 2026

Let’s be honest: saving money sounds great until it starts feeling unrealistic. That’s why we’re keeping it real with this list. These aren’t extreme couponing tips or advice to cancel every joy in your life. They’re just small, smart moves that help you keep more of what you earn.

Whether you’re new to civilian life or just trying to stretch your income farther in 2026, here are 28 practical savings tips that actually make sense.

1. Audit your monthly subscriptions

From streaming apps to “free trials” that became monthly charges — check your bank statements. Cancel anything you forgot about or barely use.

2. Stop paying for convenience (without realizing it)

Delivery app fees, tipping, inflated menu prices — it adds up. Pick-up or bulk cook once a week to avoid the $4 here, $6 there.

3. Use your full fuel tank

Topping off with $5–10 at a time may feel easier, but it often leads to more frequent trips (and impulse spending). Fill up when prices dip if possible.

4. Compare “military discounts” to actual prices

That 10% military discount off might not be a deal if the store is overpriced to begin with. Always compare to base pricing elsewhere or online deals.

5. Check for utility assistance programs

Some local electric, water, or heating companies offer income-based or veteran-specific bill reduction programs. Ask your provider directly or check your state’s energy assistance program.

6. Auto-pay with caution

It’s easy to forget charges on autopilot. If you don’t regularly use a service, remove auto-pay and review your monthly usage.

7. Use free versions of apps and software

You don’t need a premium productivity app to stay organized. Many free or veteran-discounted tools get the job done.

8. Negotiate your internet or phone bill

Call your provider and ask if there’s a promo or loyalty discount. You’d be surprised how often they say yes — especially when you mention you're a veteran.

9. Switch to budget billing for utilities

Some companies offer averaged billing plans, so you’re not slammed with a huge winter bill all at once. That predictability helps your savings plan.

10. Cook once, eat twice (or three times)

Meal prep doesn’t have to be a lifestyle — just double your dinner recipe a few nights a week and freeze the rest. It’s faster than DoorDash and saves big over time.

11. Unsubscribe from marketing emails

Out of sight, out of mind. Removing constant promo emails helps curb impulse buys you didn’t even want.

12. Use cash-back apps (wisely)

Apps like Rakuten, Upside (for gas), or military-only platforms like GovX Rewards give a little back when you shop — just don’t buy things just to “earn.”

13. Bundle your insurance (if it actually saves you)

Veterans can often find great multi-policy discounts with USAA, GEICO, and others — but always compare actual prices, not just bundle promises.

14. Pause spending for a week

Choose one week this month where you spend only on essentials. Track what you skipped and reflect on whether you missed it.

15. Call your bank or credit union

Some banks have hidden benefits for Veterans, like fee waivers, lower loan rates, or budget coaching. You just have to ask. Visit the Veteran Benefits Banking Program connects Veterans with banks and credit unions who understand Veterans’ financial needs.

16. Use library perks

Libraries are goldmines! Many offer free streaming, books, audiobooks, Wi-Fi, and sometimes passes to local museums or parks.

17. Fix before you replace

From shoes to appliances — check if it can be repaired before buying new. YouTube is full of repair tutorials that’ll save you hundreds.

18. Switch to a better grocery store

Sometimes it’s not what you’re buying — it’s where. Warehouse clubs, discount grocers, or even shopping off base can save more than coupons.

19. Lower your thermostat 2 degrees

In the winter, lowering by just 2 degrees can save you up to 10% on heating costs without major discomfort.

20. Ask your employer about benefits

Some civilian employers offer things like commuter perks, fitness reimbursements, or financial wellness coaching. Check your HR or payroll portal for perks.

21. Cancel multiple music or video streaming platforms

Review your streaming services. You may have several that you don’t use often. Pick 1–2 you use most and rotate others seasonally.

22. Downshift your car insurance if you drive less

If you’re not commuting daily anymore, consider switching to a low-mileage plan .

23. Don’t buy extended warranties unless it’s worth it

Most of the time, these are money grabs. Read reviews and make sure the coverage actually makes sense before spending extra.

24. Tap into VA and military support groups

Many offer free financial workshops, emergency funds, or budgeting help, especially during seasonal spikes like winter heating or back-to-school.

25. Skip impulse grocery runs

Go in with a list, and don’t shop hungry. That $7 random snack becomes $60 on things you hadn’t intended to buy.

26. Set one savings goal

Even if it’s small. Automate $10 a week if that’s what you can do. The key is consistency, not perfection.

27. Get Free 1-on-1 Financial Coaching

Through our partnership with the Foundation for Financial Planning, Veteran Saves offers free access to confidential, personalized financial coaching. Whether you're trying to tackle debt, build your emergency fund, or create a spending and savings plan, you don’t have to go it alone.

28. Save On Joy, Not Just Survival

Saving doesn’t have to be only about emergencies or bills. It’s okay to save for rest, fun, and getting away too.

If a reset is what you need, consider a low-cost road trip. Veterans are eligible for the America the Beautiful Pass, which provides free access to national parks and federal recreation sites across the country. That includes places like the Grand Canyon, Yosemite, and hundreds of parks closer to home.

Take the Veteran Saves Pledge and choose your savings goal. We’ll send you tips and resources by email, so you’ve got support on your terms.