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Earth Day Checklist: 12 Simple Swaps That Cut Your Expenses

Trade old habits for budget-friendly changes that benefit your wallet and the planet.

MTN Staff

Published April 15, 2025

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As we celebrate Earth Day, it’s the perfect time to reassess daily habits and make smarter choices that support both the planet and your finances.

Small lifestyle changes — like reducing waste, reusing materials, or switching to efficient products — can lead to big savings and a lighter environmental impact.

Empowering yourself to make smart, independent decisions extends to your health too — and recent changes make that easier than ever.

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1. Start a small garden—even indoors

Volunteer group planting trees for Earth Day
PeopleImages.com – Yuri A / Shutterstock.com

Growing your own herbs or vegetables — whether in a backyard plot or a sunny windowsill — can reduce your grocery bill and environmental impact.

Start with easy-to-grow plants like basil, mint, or cherry tomatoes, and expand as you gain confidence.

You’ll cut down on packaging waste, avoid industrial agriculture, and enjoy fresh, homegrown food right at your fingertips.

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2. Time your chores for off-peak hours

woman doing laundry
Trzykropy / Shutterstock.com

Doing laundry or running the dishwasher during off-peak energy hours can help reduce your monthly utility costs.

Many electricity providers offer lower rates during specific times of the day — typically overnight or mid-day — when demand is lower.

Shifting your high-energy chores to these windows saves money and helps ease the overall strain on the power grid.

Pro Tip: If you’re already cutting back on energy costs with off-peak chores, put those savings to work. SoFi Checking is offering 3.8% interest on emergency savings—plus a potential $300 signup bonus. (Offer may change without notice.)

3. Invest in smarter energy solutions

Appliances
Maxx-Studio / Shutterstock.com

Upgrading to energy-efficient appliances can lead to long-term savings, even if the initial cost is higher. Look for Energy Star-rated models that use less power and water, and consider smart features that help you monitor and reduce energy consumption.

Pairing these with programmable thermostats and smart power strips allows you to optimize your home’s energy use and reduce phantom power.

These small changes can translate into significant savings over time — while reducing your environmental impact.

Pro Tip: Consider a home warranty: Example? First American covers everything from home appliances to heating and cooling. Take a second and see what policies cost and what they cover.

4. Let your lighting do the work

Woman using a smartphone app to control a smart lightbulb
RossHelen / Shutterstock.com

LED light bulbs use significantly less energy, last much longer, and cost less to operate than traditional incandescent bulbs — making them a smart investment for any home.

Start by replacing bulbs in high-use areas like your kitchen, living room, or entryway, where the most noticeable savings can add up.

Consider installing motion sensors or timers to prevent lights from staying on unnecessarily for even greater efficiency. These minor, strategic upgrades can lead to meaningful long-term savings and a lighter environmental footprint.

Pro Tip: Making smart upgrades like LED lighting can boost your home’s efficiency — why not do the same for your finances? If you’ve got at least $100,000 in investments, check out a free service called SmartAsset. You fill out a short questionnaire and instantly get matched with up to three vetted financial advisors in your area.

5. Use a clothesline or drying rack

Clothes dry on a line
TuiPhotoEngineer / Shutterstock.com

Skipping the dryer in favor of air-drying your clothes isn’t just eco-friendly — it’s a smart way to cut household costs. Dryers use a lot of energy, so hanging your laundry can noticeably lower your electric bill.

Air-drying is also gentler on fabrics, helping your clothes last longer and reducing the need for replacements. Whether it’s an indoor rack or an outdoor line, this simple habit adds up to real savings.

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6. Use reusable water bottles

Hydro Flask
Michael Barajas / Shutterstock.com

Ditch single-use plastic bottles and opt for a refillable one instead. Not only will you reduce plastic waste, but you’ll also save money in the long run by not having to buy bottled water.

Consider investing in a high-quality, insulated water bottle that keeps your drinks hot or cold for hours. Many coffee shops and restaurants also offer discounts for customers who bring their own reusable cups and bottles.

Pro Tip: Planning ahead with smart habits can lead to big savings. If you have a high-deductible health plan, check out Lively HSAs.

7. Bring your own shopping bags

sustainable investing
stefanolunardi / Shutterstock.com

Reusable shopping bags are a simple and effective way to reduce plastic waste. Keep a stash in your car or bag, so you’re always prepared. Many stores also offer incentives for bringing your own bags, such as discounts or loyalty points.

Reusable bags can also be used for other purposes, like carrying lunches or gym clothes, making them a versatile and practical addition to your daily routine.

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8. Make your own cleaning products

A woman in a mask with household disinfectants
Andrew Angelov / Shutterstock.com

Many cleaning products contain harsh chemicals that harm the environment and your health. Making your own cleaning solutions using natural ingredients can be cost-effective and eco-friendly.

Start with simple recipes that use common household items, such as baking soda and vinegar. You can customize your cleaning products to suit your needs and preferences.

By making your cleaning products, you’ll reduce your reliance on chemical-based cleaners and lower your waste output.

Pro Tip: Just as DIY cleaners help you avoid hidden toxins and expenses, smart planning can shield you from unexpected repair costs. Consider a home warranty: Example? First American covers everything from home appliances to heating and cooling. Take a second and see what policies cost and what they cover.

9. Use cloth napkins instead of paper

RN_PHOTO / Shutterstock.com

Switching from paper napkins to cloth ones is a simple swap that can save you money and reduce waste. Just make sure to wash them regularly to keep them clean and hygienic.

You can also use cloth napkins as a stylish addition to your table setting, choosing materials and designs that match your dining decor.

By making this switch, you’ll reduce your paper waste and create a more sustainable dining experience.

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10. Buy in bulk

Bins of fruits and nuts at grocery store.
Blue Lemon Photo / Shutterstock.com

Purchasing items like nuts, grains, and cleaning supplies in bulk reduces packaging waste and can be cheaper than buying smaller quantities.

When buying in bulk, consider your available storage space and plan your purchases accordingly. You can also share bulk purchases with friends or family members to split the cost and reduce waste.

Buying in bulk can reduce your environmental footprint and save money on your household expenses.

Pro Tip: Planning ahead doesn’t stop at household goods—it’s also smart to consider your financial future. If you’re concerned about inflation or market volatility, consider safeguarding your savings by opening a gold IRA.

11. Use public transportation or carpool

Baltimore Maryland transit bus
smereka / Shutterstock.com

Using public transportation, walking, or carpooling can significantly reduce your carbon footprint and save on fuel, maintenance, and parking costs.

Consider exploring public transportation options in your area, such as buses or trains, and plan your route. You can also look into carpooling or ride-sharing services to reduce reliance on personal vehicles.

By making this change, you’ll save money, reduce air pollution, and contribute to a healthier environment.

Pro Tip: Reworking your commute is one smart way to save — and so is finding flexible financial support when you need it. Whether you’re facing debt or a big expense, explore financial solutions here for fast, personalized help.

12. Cook at home instead of eating out

Mother and daughter making dinner at home
fizkes / Shutterstock.com

Cooking meals at home can be healthier and more cost-effective than eating out. Plan your meals, buy in bulk, and use leftovers to maximize your savings.

You can also get creative with new recipes and ingredients to keep your meals interesting and exciting. By cooking at home, you’ll reduce your reliance on processed and packaged foods, lower your food waste, and save money on your grocery bills.

Pro Tip: Slash expenses on dining, travel, eyeglasses, prescriptions and more with AARP — Just $15/year with auto-renewal. Join now and save hundreds.

One green change at a time

Earth Day
Morrowind / Shutterstock.com

Implementing these simple swaps can have a significant impact on both your expenses and the environment.

This Earth Day, take the first step towards a more sustainable and cost-effective lifestyle. Every small change counts, and collectively, they can lead to substantial positive change.

Pro Tip: Looking for ways to stretch your resources in retirement? A reverse mortgage can convert your home equity into tax-free cash for seniors 62+, no home sale required. It’s a smart way to cover medical bills, home upgrades, or even that dream vacation — all without monthly payments.

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