What are your "poor person" money life hacks?

Let's get a list going. Like with a Target debit card you can get $40 cash back and it takes 1 to 2 days to be withdraw from your checking.

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If you do have debts - try to consolidate them wherever possible. Don't have more than one credit card adjacent means of payment (store credit cards or similar).

If you find yourself with extra money, try to pay off debts first, or at least make extra payments. Reducing debt repayments over the forward term can have a huge effect.
- Hey! This isn't a poor person hack, this is how to climb out of debt! This guy's a PHONY!

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