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Our beloved Prime Minister has a long term vision which cannot be fulfilled within 5 years.But with a positive note here are following reforms which his government initiated:Pradhan Mantri Jan Dhan Yojana - Launched on 28th August, 2014 for large part of the population who had no access to banking services. This meant, they had no avenues for Savings, nor any opportunity to get institutional credit before. In a matter of months, 15 crore bank accounts were opened. 13.5 crore Rupay cards have been issued so far. There have been deposits worth Rs 15,798 crores. A record 1,25,697 Bank Mitras (Bank Correspondents) have also been deployed. It also set the Guinness World Record for most bank accounts opened in one week -1,80,96,130.Putting Indian economy on fast track - 2014 has been a historic year for the Indian Economy. From a period of low growth, high inflation and shrinking production, the NDA Government has not only strengthened our macro-economic fundamentals, but has also propelled the economy to a higher growth trajectory. India’s GDP Growth rocketed to 7.4%, which is the fastest among all the large economies of the world.Make in India - With the Government's thrust on manufacturing, Index of Industrial Production grew at 2.1% this year after the negative growth last year. Inflation (WPI) has seen a steady decline, from 5.55% in April 2014 to -2.65% in April 2015. FDI Inflows are increasing at a historic pace. The FDI Equity Inflows shot up by 40% to reach Rs 1,75,886 crore from Rs 1,25,960 last year.The Fiscal Deficit is in a state of steady decline. India’s current account deficit reduced from 4.7% of GDP last year to 1.7% of GDP this year. India's Foreign Exchange Reserves have increased significantly, from $ 311.8 Billion to $ 352.1 Billion. This will provide insulation to India in the event of any global shocks.Empowering Farmers for a Prosperous India- Pradhan Mantri Krishi Sinchai Yojana will give a boost to productivity by ensuring irrigation facilities. The Vision is to ensure access to some means of protective Irrigation to all agricultural farms. Farmers are being educated about modern irrigation methods to give ‘Per Drop More Crop’.Paramparagat Krishi Vikas Yojana has been launched to motivate groups of farmers to take up organic farming. A special scheme has also been launched in North-Eastern Region for promotion of organic farming and export of organic produce.Soil Health cards have been introduced to enhance productivity of specific crops in a sustainable manner &shall be issued to all 14 crore holdings in the country. About 248 lakh samples are to be analyzed in 3 years’ cycle.A new urea policy has been announced to enhance domestic production and energy efficiency & Revival of fertilizer plants in Gorakhpur, Baroni and Talcher done to enhance self sufficiency. Price Stabilisation Fund with a corpus of Rs.500 crores has been established, to support market interventions for price control of perishable agri-horticultural commodities. This intervention will regulate & mitigate price volatility.Gram Jyoti Yojana will provide uninterrupted electricity supply by separation of feeders. This will not only boost production, but will also have a huge impact on the overall lives of the farmers, including cottage industries, education, etc.Swachh Bharat Abhiyan - “A clean India would be the best tribute India could payto Mahatma Gandhi on his 150 birth anniversary in 2019,” said Shri Narendra Modi as he launched the Swachh Bharat Mission at Rajpath in New Delhi. On 2nd October 2014, Swachh Bharat Mission was launched throughout length and breadth of the country as a national movement. By inviting people to participate in the drive, the Swachhta Abhiyan has turned into a National Movement. A sense of responsibility has been evoked among the people through the Clean India Movement. With citizens now becoming active participants in cleanliness activities across the nation, the dream of a ‘Clean India’ once seen by Mahatma Gandhi has begun to get a shape.‘Team India’ approach (Empowering Different States Equally with boost to Federalism)- The NITI Aayog was formed to further empower and strengthen the states. An important evolutionary change from the past will be replacing a Union-to-State one-way flow of policy by a genuine and continuing partnership with the states. NITI Aayog will act with speed, to provide the strategic policy vision for the government as well as deal with contingent issues.Connecting India like Never Before - 1,983 km of railway lines have been commissioned and 1,375 km of railway electrification has been completed this year which is the best ever performance.6 new pilgrim trains have been launched and Katra line opened for travel to Vaishno Devi.In the roads sector, stalled road projects have been debottle-necked, long-pending contracting disputes resolved & unviable projects aborted. A transformative project called Bharat Mala has been started for construction of roads along India’s borders & coastal areas. Toll fee collection at 62 toll plazas has been discontinued for enhanced convenience of commuters. Highway projects awarded has registered more than 120% increase over last year. No of roads constructed through Pradhan Mantri Gram Sadak Yojana has also registered a major increase.Towards a Bright Future - A fully IT based Financial Aid Authority to administer & monitor all education loans and scholarships through Pradhan Mantri Vidyalakshmi Karyakram. Pandit Madan Mohan Malviya Mission for Teacher Training has been launched to enhance the quality of teaching. UDAAN is dedicated to the development of girl child education, so as to promote the admission of girl students. Ishaan Vikaas seeks to bring selected school children and students of Engineering College from the North-Eastern states into close contact with IITs, NITs and IISERs during their vacation. USTTAD has been approved to upgrade the Skills and Training in Traditional Arts/ crafts. The scheme aims to build capacity of traditional artisans/craftsmen, standardization of the traditional arts/crafts, their documentation and establishing market linkages.Skill India - The Government created a dedicated ministry of Skill Development immediately to empower our youth. Dedicated Ministry created for skill development. 76 lakh youth have been provided skill training so far under various programs. Skill certifications have been given academic equivalence under ‘School to Skill’ programme. Pradhan Mantri Kaushal Vikas Yojana with anoutlay of Rs. 1,500 crores has been approved. Pandit Deen Dayal Upadhyaya Grameen Kaushal Yojana will train 10 lakh rural youth in 3 years. Amendments to Apprenticeship Act is paving way for more opportunities for on-the-job training. Government will support one lakh apprentices in next two and a half years by sharing the 50 % of the stipend. Govt plans to have more than 20 lakh apprentices in next few years against present number of 2.9 lakh. National Career Centres have launched to provide nation-wide opportunities& act as one stop shop for online services. They will also help the youth with rich career related content& self-assessment tools. A network of counsellors will also be available for the youth.Ushering in Unprecedented Transparency- On the Black Money front, SIT was constituted on the first day of office. Government is working in coordination with Swiss Government & getting information of cases investigated by IT Department. The Government approved the Undisclosed Foreign Income and Assets (Imposition of Tax) Bill 2015. Provisions of the Bill include severe penalties & punishment for undisclosed foreign income and assets. It is also mandatory to quote PAN for purchase /sale of above Rs. 1 lakh. After the Supreme Court Order cancelled the coal block allocations, Govt acted with unparalleled swiftness to ensure transparent & timely auctions. Auction and Allotment proceeds from 67 coal blocks have touched 3.35 lakh crores over the life of the mine. The Delhi High Court remarked:“What has convinced us is the fact that the auction process has worked out well. The process by itself does not appear to us, to be arbitrary or irrational. There is, of course, no allegation that the auction process is designed to favour any particular bidder”.Jan Suraksha - Once the basic banking facilities for people were in place, the NDA Government embarked on a historic move of providing an insurance & pension cover to the citizens. Pradhan Mantri Suraksha BimaYojan provides accident insurance worth Rs 2 Lakh at just Rs 12 per year.Pradhan Mantri Jivan Jyoti Bima Yojana provides life insurance at just Rs 330 per year. Atal Pension Yojana provides a pension of uptoRs 5000 a month depending on the contribution. Within a couple of days of the launch, around 7.22 (as on 16/5/2015) crore people had enrolled in these schemes. In addition, the Govt also launched Sukanya Samridhi Yojana to give a boost to saving for & educating the girl child.PAHAL Yojana - While the bank accounts have given millions of Indians access to banking services, they have also played a major role in stopping corruption. Now, subsidies get deposited directly in the bank accounts eliminating leakages and scope for any discretionary action. Under PAHAL Yojana, LPG subsidies are directly deposited into the bank accounts. Under this scheme, more than 10 crore people will receive direct cash subsidies, saving around Rs 4000 crores of subsidy. Source - Prime Minister of India

Our beloved Prime Minister has a long term vision which cannot be fulfilled within 5 years.But with a positive note here are following reforms which his government initiated:Pradhan Mantri Jan Dhan Yojana - Launched on 28th August, 2014 for large part of the population who had no access to banking services. This meant, they had no avenues for Savings, nor any opportunity to get institutional credit before. In a matter of months, 15 crore bank accounts were opened. 13.5 crore Rupay cards have been issued so far. There have been deposits worth Rs 15,798 crores. A record 1,25,697 Bank Mitras (Bank Correspondents) have also been deployed. It also set the Guinness World Record for most bank accounts opened in one week -1,80,96,130.Putting Indian economy on fast track - 2014 has been a historic year for the Indian Economy. From a period of low growth, high inflation and shrinking production, the NDA Government has not only strengthened our macro-economic fundamentals, but has also propelled the economy to a higher growth trajectory. India’s GDP Growth rocketed to 7.4%, which is the fastest among all the large economies of the world.Make in India - With the Government's thrust on manufacturing, Index of Industrial Production grew at 2.1% this year after the negative growth last year. Inflation (WPI) has seen a steady decline, from 5.55% in April 2014 to -2.65% in April 2015. FDI Inflows are increasing at a historic pace. The FDI Equity Inflows shot up by 40% to reach Rs 1,75,886 crore from Rs 1,25,960 last year.The Fiscal Deficit is in a state of steady decline. India’s current account deficit reduced from 4.7% of GDP last year to 1.7% of GDP this year. India's Foreign Exchange Reserves have increased significantly, from $ 311.8 Billion to $ 352.1 Billion. This will provide insulation to India in the event of any global shocks.Empowering Farmers for a Prosperous India- Pradhan Mantri Krishi Sinchai Yojana will give a boost to productivity by ensuring irrigation facilities. The Vision is to ensure access to some means of protective Irrigation to all agricultural farms. Farmers are being educated about modern irrigation methods to give ‘Per Drop More Crop’.Paramparagat Krishi Vikas Yojana has been launched to motivate groups of farmers to take up organic farming. A special scheme has also been launched in North-Eastern Region for promotion of organic farming and export of organic produce.Soil Health cards have been introduced to enhance productivity of specific crops in a sustainable manner &shall be issued to all 14 crore holdings in the country. About 248 lakh samples are to be analyzed in 3 years’ cycle.A new urea policy has been announced to enhance domestic production and energy efficiency & Revival of fertilizer plants in Gorakhpur, Baroni and Talcher done to enhance self sufficiency. Price Stabilisation Fund with a corpus of Rs.500 crores has been established, to support market interventions for price control of perishable agri-horticultural commodities. This intervention will regulate & mitigate price volatility.Gram Jyoti Yojana will provide uninterrupted electricity supply by separation of feeders. This will not only boost production, but will also have a huge impact on the overall lives of the farmers, including cottage industries, education, etc.Swachh Bharat Abhiyan - “A clean India would be the best tribute India could payto Mahatma Gandhi on his 150 birth anniversary in 2019,” said Shri Narendra Modi as he launched the Swachh Bharat Mission at Rajpath in New Delhi. On 2nd October 2014, Swachh Bharat Mission was launched throughout length and breadth of the country as a national movement. By inviting people to participate in the drive, the Swachhta Abhiyan has turned into a National Movement. A sense of responsibility has been evoked among the people through the Clean India Movement. With citizens now becoming active participants in cleanliness activities across the nation, the dream of a ‘Clean India’ once seen by Mahatma Gandhi has begun to get a shape.‘Team India’ approach (Empowering Different States Equally with boost to Federalism)- The NITI Aayog was formed to further empower and strengthen the states. An important evolutionary change from the past will be replacing a Union-to-State one-way flow of policy by a genuine and continuing partnership with the states. NITI Aayog will act with speed, to provide the strategic policy vision for the government as well as deal with contingent issues.Connecting India like Never Before - 1,983 km of railway lines have been commissioned and 1,375 km of railway electrification has been completed this year which is the best ever performance.6 new pilgrim trains have been launched and Katra line opened for travel to Vaishno Devi.In the roads sector, stalled road projects have been debottle-necked, long-pending contracting disputes resolved & unviable projects aborted. A transformative project called Bharat Mala has been started for construction of roads along India’s borders & coastal areas. Toll fee collection at 62 toll plazas has been discontinued for enhanced convenience of commuters. Highway projects awarded has registered more than 120% increase over last year. No of roads constructed through Pradhan Mantri Gram Sadak Yojana has also registered a major increase.Towards a Bright Future - A fully IT based Financial Aid Authority to administer & monitor all education loans and scholarships through Pradhan Mantri Vidyalakshmi Karyakram. Pandit Madan Mohan Malviya Mission for Teacher Training has been launched to enhance the quality of teaching. UDAAN is dedicated to the development of girl child education, so as to promote the admission of girl students. Ishaan Vikaas seeks to bring selected school children and students of Engineering College from the North-Eastern states into close contact with IITs, NITs and IISERs during their vacation. USTTAD has been approved to upgrade the Skills and Training in Traditional Arts/ crafts. The scheme aims to build capacity of traditional artisans/craftsmen, standardization of the traditional arts/crafts, their documentation and establishing market linkages.Skill India - The Government created a dedicated ministry of Skill Development immediately to empower our youth. Dedicated Ministry created for skill development. 76 lakh youth have been provided skill training so far under various programs. Skill certifications have been given academic equivalence under ‘School to Skill’ programme. Pradhan Mantri Kaushal Vikas Yojana with anoutlay of Rs. 1,500 crores has been approved. Pandit Deen Dayal Upadhyaya Grameen Kaushal Yojana will train 10 lakh rural youth in 3 years. Amendments to Apprenticeship Act is paving way for more opportunities for on-the-job training. Government will support one lakh apprentices in next two and a half years by sharing the 50 % of the stipend. Govt plans to have more than 20 lakh apprentices in next few years against present number of 2.9 lakh. National Career Centres have launched to provide nation-wide opportunities& act as one stop shop for online services. They will also help the youth with rich career related content& self-assessment tools. A network of counsellors will also be available for the youth.Ushering in Unprecedented Transparency- On the Black Money front, SIT was constituted on the first day of office. Government is working in coordination with Swiss Government & getting information of cases investigated by IT Department. The Government approved the Undisclosed Foreign Income and Assets (Imposition of Tax) Bill 2015. Provisions of the Bill include severe penalties & punishment for undisclosed foreign income and assets. It is also mandatory to quote PAN for purchase /sale of above Rs. 1 lakh. After the Supreme Court Order cancelled the coal block allocations, Govt acted with unparalleled swiftness to ensure transparent & timely auctions. Auction and Allotment proceeds from 67 coal blocks have touched 3.35 lakh crores over the life of the mine. The Delhi High Court remarked:“What has convinced us is the fact that the auction process has worked out well. The process by itself does not appear to us, to be arbitrary or irrational. There is, of course, no allegation that the auction process is designed to favour any particular bidder”.Jan Suraksha - Once the basic banking facilities for people were in place, the NDA Government embarked on a historic move of providing an insurance & pension cover to the citizens. Pradhan Mantri Suraksha BimaYojan provides accident insurance worth Rs 2 Lakh at just Rs 12 per year.Pradhan Mantri Jivan Jyoti Bima Yojana provides life insurance at just Rs 330 per year. Atal Pension Yojana provides a pension of uptoRs 5000 a month depending on the contribution. Within a couple of days of the launch, around 7.22 (as on 16/5/2015) crore people had enrolled in these schemes. In addition, the Govt also launched Sukanya Samridhi Yojana to give a boost to saving for & educating the girl child.PAHAL Yojana - While the bank accounts have given millions of Indians access to banking services, they have also played a major role in stopping corruption. Now, subsidies get deposited directly in the bank accounts eliminating leakages and scope for any discretionary action. Under PAHAL Yojana, LPG subsidies are directly deposited into the bank accounts. Under this scheme, more than 10 crore people will receive direct cash subsidies, saving around Rs 4000 crores of subsidy. Source - Prime Minister of India

These answers aren't good enough.I mean sure, they're fine, if you consider "move to a smaller place" or "eat out less" as a money hack, but that doesn't really do it for me.I looked up the definition of hack, and funnily enough there are two relevant definitions:1. to reduce or cut ruthlessly; trim:e.g. The Senate hacked the budget severely before returning it to the House.That's what all this other advice is focused on. Reducing your outgoings ruthlessly. Look at Diane Mari Kimura's answer. It's a list of ways to spend less money.That's the boring kind of hack.The other definition of hack you should be looking at is this:Informal: a tip, trick, or efficient method for doing or managing something.Now we're getting somewhere. A real money hack is an efficient way for managing something. So to me the best money hack is an efficient system for managing your money.Because let's face it, very few people want to be personal finance experts (I count myself as one of those few, but I'm weird). Your money is just a tool to help you live your life. You don't want to obsess over it, you just want it to be there for you.I'm going to show you the exact money system I use, that is perfect for pretty much anyone who wants to be comfortable with money, set yourself up for a good life, and be able to forget about money.So, without further ado, here's the system you need.First, you need to calculate THREE numbers:A. Your total net monthly income, after tax, 401(k) or retirement contributions, etc.B. Your total monthly spend on recurring bills - rent, energy, phone bill, gas. Anything you can calculate to the nearest $10 with 95% certainty month-on-month.C. What's left: A minus B. That's your disposable income.Then you need to set up each of these different bank accounts:1. A main bank account into which all your income gets paid, and from which all your recurring bills go out. This is the mothership. The general. The leader who tells all the other money where to go. It should be a simple checking account, no fees, no minimum balance.2. A 401(k) account/pension fund/investment account. If your company offers any sort of match, maximise it. Shovel this cash into tax-advantaged accounts before you even see it. This is your insurance policy. Put it all towards a low-cost index fund, and forget it exists for 40 years. Even if you screw up hugely, you'll still have a nice retirement.3. An emergency fund savings account. This should be a regular cash-savings account, at a different bank to your main account, with no internet banking access. This is another insurance policy. You want this money to be easy enough to access in a crisis, but difficult enough that you don't reach into it when you want to buy another round of drinks at the bar.4. A second savings account for longer-term savings goals like a house deposit, capital to start your own business, saving up for a car/vacation, anything like that. This should be at a third bank, and should be even more difficult to access. You can use certificates of deposit or another vehicle that locks your money away for little bit, as long as it's no-risk.5. A fun money account. This should be a checking account that's super easy to access. It's where all your day-to-day spending will come from. Restaurants, video games, drugs, gambling, baseball cards, alcohol, Starbucks, whatever you want to spend your money on. It's yours to do as you please. BUT: it must be an account with NO OVERDRAFT FACILITY. Make sure if you try and spend more than you have, your bank won't let you. Once it's gone, it's gone.6. If necessary, another investment account. A Roth IRA if you're in the US, a stocks and shares ISA if you're in the UK. If you can and want to keep investing money, here's the place to do it.That should take you a couple of weeks to get set up.Now you need to link them all.Your main account should be where your salary gets deposited directly. All your recurring bills should be on auto-pay out from this account. That's pretty simple.Now, that amount you calculated up top, your disposable income:- Take 10% of that and set up an automatic transfer each month to your emergency fund account, until you have 3 months worth of expenses in there (expenses being amount B that you calculated). Once you have 3 months of expenses, switch this to auto-transfer to your other investment account.- Take 10% of it and set up an automatic transfer to your long-term savings account.- Take 70% of that amount and set up an automatic transfer to your fun money account.- Leave the remaining 10% in your master account as a buffer, just in case. Forget about this too, and just let it build up over time.Here's an example of how this works in practise. I'm using a monthly pay cycle as an example, because that's how I get paid. All these numbers are made up, and I'm ignoring taxes entirely, but it'll show you how it works:1st of the month: I get paid $5,000 straight into my master bank account, and another $500 goes straight to my retirement account, matched by my employer.2nd of the month: all my bills go out: rent, electricity, property taxes, car insurance, phone bill. Total outgoings is $2,000 (leaving $3,000 remaining).3rd of the month: I have automatic transfers to my emergency fund ($300), my long-term savings ($300) and my fun money account ($2,100). I leave another $300 sat in my master account just in case.The rest of the month: I have only one bank account to manage -- my fun money -- knowing that this needs to cover my food, entertainment, and anything else for the month. I can spend that money however I want, safe in the knowledge that I'm saving $600 per month towards other savings goals, and funding my retirement accounts as well. If I spend all the money in this account on stupid shit, I can't get into debt, because my bank won't let me.In fact, if anything, I usually end up getting to the end of the month with money left over in this account. Anything left in this account by the start of the next month, I manually transfer to my second investment account.So with this set-up you:- eliminate risk -- you'll always have an emergency fund and a buffer of money in your checking account.- automatically fund your retirement -- no need to worry about that, it's already taken care of.- don't need to worry about bills -- they're on auto-pay and you'll always have enough to cover them, you just need to manage your fun money spending.- cannot get into debt because your bank won't let you. After 1-2 months of spending all of your fun money before the month is over, you automatically learn to be careful with this.- spend less time worrying about money, because it's all on auto-pilot. You can just go and live your life.That sounds like a pretty good money hack to me. Set it and forget it, and live your life while you quietly get rich in the background.