By Farnoosh Torabi, REDBOOK
Granted, some of these tricks are a tad out there. But what's really insane is the fact that 60 percent of Americans don't have emergency savings. So try what works for money experts and smarty-pants REDBOOK readers!
1. CHARGE IT TO DISNEY
There's just no avoiding it: Kids always ask for candy in the checkout line. "Instead of caving, say, 'How about you guys wait 15 minutes until we get home for a snack, and that $3 will go in our Disney savings jar?' Works every time," says Beth Engelman of mommyonashoestring.com.
2. PAY YOURSELF EVERY TIME YOU DO LAUNDRY
Pretend your laundry room is coin-operated: Keep a can by the washer and dryer and "charge" yourself $2 (a standard laundromat fee) every time you do a load. When the can fills up with singles, bank it. If an appliance breaks unexpectedly, use this stash to help shoulder the cost.
3. MASTER THE GROCERY CHECKOUT