This is the final installment of the series and I hope that this last part has some tougher but long lasting tips which can really change your life! For parts 1-90 please see here!
91. Get over your sense of entitlement! I wrote a very popular series on this in three parts, part one is here, part two here and part three here. I still get emails about this series each week!
92. Realize that in life your choices have both short term and long term consequences. Choosing to buy a house that is more lavish, may short term make you strapped for cash but long term may make you face bankrupcy!
93. Play the would I rather game. I often ask myself, would I rather go out to eat each week and go to the cinema each week or adopt a child in five years. Yes, five years of movies & meals out = the cost of 1 international adoption!
94. Write down what you are thankful for! I honestly believe that people feel entitled or hard done by because they do not see the small blessings in their lives. You can write these down each day or each week or when you are struggling. But understand this, you are blessed!
95. Go and see real suffering and do something to help! I have seen babies die because their parents could not afford antibiotics for ear infections and chest infections. I have held dying child in my arms and felt my heart break into 1 million pieces. I will NEVER feel like I am hard done by, or like I need more money or like I can’t solve the world’s problems so why try doing anything. I know that with sacrifice, hard work, determination and a joyful heart we can ALL make a difference and change our lives in the process! If you are going on holiday somewhere where there is suffering, commit to spending even a couple of days volunteering. It will change your life!
96. Give! Seriously when you have to budget to give, to sponsor children, to give to great charities, you become more organized with your money!
97. Get over all the reasons you can’t do something and do something you can! For years I was stuck in the bondage of making excuses about what I couldn’t do, instead I needed to realize what I could do. Each step of doing a little bit more got me towards a place of major transformation!
98. Get healing! I believe many people spend to cover up massive holes in their lives, poor self-esteem, a lack of understanding of their needs and feelings and they look to the wrong place to make themselves feel better. Shopping may give you a short term high but you will crash! Find other ways to relax, find joy and rest your soul!
99. Turn off the media! I have stopped watching shows like Relocation Relocation and reading certain newspapers. I honestly see myself begin to slip and think “why does everyone else have more money than me” or “why does money come so easy to those who only want to spend on themselves”. These thoughts are not right, they are not loving and pull me away from the life I have chosen, who I am and my faith.
100. Get Faith! I have been totally transformed since I became a Christian, my wants and desires have completely changed. I read in a very good secular money book a long time ago the tip to “find God” because those people are happier and have more control of their finances. Faith has transformed my life!
And there you go the end of the series! However, I have so many more tips at some point I might make it 150 ways to save money! 
Thank you to everyone who posted this on forums and on their blogs, I’m glad so many found it a blessing. These tips alone save me THOUSANDS a year, for all those trying to simplify remember each day you are 1 step closer! 
Great series FT!
I have learned so much from reading these posts and from reading your blog. You inspire me to change and do something with life rather than just stick to what everyone else around me does!
I too have really enjoyed this series and have come away with a lot of new ideas and ways to challenge myself. I think these bigger ones (91-100) are key too for long term change and to really work through your weakness’ which we all have.
I particularly like the last suggestion, something I need to remember!
Fabulous series!! I am giving my finances a serious (re)-overhaul, and going to start by re-reading this series from number 1, highlighting anything I don’t already do. Thankyou for the extra inspiration! xx
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I have also really loved these tips and I’m sure they have taken a great deal of time to put together so thank you!
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Great list. Thanks for sharing your thoughts and struggles. . . . . . . And please keep us posted on Monroe. We are praying for his forever family to step forward.
Thank you so much for your tips, as usual so inspiring. I would say that tip 100, get faith, is the most important one. I have just completed a year at college and due to less money and no time to shop my spending habits have changed. Now I am working again I am eager not to fall back into old ways but let God take control of my financial decisions. Total transformation is my desire too.
on number 98
YES
YES
YES!
I wish I could put this on bookmarks, t-shirts, all over billboards, and on television. I did most of my shopping while bored, depressed, and I still find I have a tendency to at least hit the drugstore for lotions and potions when I’m the least bit listless.
I’m trying to do better by using the things I have at home and having an evening where I pamper myself with them rather than by new ones. And of course I keep my blog, try to talk out problems, and try to keep exercise and a healthy diet in the mix.
When did you become a Christian? I assumed you’d been one all your life!
Tell me.
Thank you FT for this series. I’ve really enjoyed it. I agree with all of them but don’t do all of them! Recently I’ve discovered minimalism through your post and am currently “right-sizing” my possessions. I am coming to terms with my “what if I need it one day” and turning it into “The LORD owns the cattle of a thousand hills” and He can provide if I need it again one day! I used to hoard and clutter, now I’m decluttering and de-stressing and saving money by not adding to that clutter. Thank you.
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I like many of your suggestions but may I say that I can’t have faith because there is no evidence for it. And as for Christians not being materialistic, have you seen the Vatican? Why doesn’t the Pope live in a small house if he speaks the word of God? Overall, Americans are deeply materialistic and also strongly religious. Most of them see nothing strange about it.
History shows there was and is much misery in the world is because of people’s faiths. Think of Islam and Christianity imposing themselves through violence throughout South America, the Middle East and Africa. As for Christian thought, even today poor families cannot find birth control in the Philippines because of Catholicism; Christians in the US have refused funding for condoms in African countries ravaged by AIDS and in fact once supported slavery when it suited them. Many faiths treat women very badly indeed. You should hear the complete absence of support for women’s and gay rights from Christian leaders in my country, Australia. These leaders show no peace or love; only the desire for power and domination. Religion is also a major factor for women’s repression in Africa and parts of Asia.
I also noticed all the countries you want to live in are secular.
JBird you are very right that many people who claim faith don’t live in accordance with what they believe and the same, sadly for many organized religios. Before I personally found my way, I knew a Pastor & his wife who were the most materialistic people I have ever met, everything for them was about money and it really put me off. As I came to know more about how the Bible says someone of faith should live, I began to see it is man that gets it wrong.
I am not perfect, I will probably most always make big mistakes, but I hope I keep growing each day to be less hypocritical and to love more.
Some people only want to live within a society of their faith, to be honest I enjoy living near & learning from everyone