The strategy that will help save the most money involves a combination of several effective actions:

• Commit to a no-spend period (like a week) and direct those funds into a high-interest savings account.
• Regularly review and cancel unused subscriptions and negotiate better rates for utilities and insurance to cut recurring expenses.
• Plan meals to avoid last-minute takeout and impulse grocery purchases.
• Automate savings, setting up recurring transfers even for small amounts to build savings consistently over time.
• Use savings features like rounding up purchases to save change automatically.
• Focus on reducing major expenses such as debt, housing, and insurance premiums by refinancing and shopping for better deals.

These integrated approaches—cutting discretionary and recurring costs, automating and consciously increasing savings, and focusing on larger expenses—collectively help maximize money saved most effectively.