10 Ways to Lower Your Monthly Bills and Save More
One of the biggest challenges in personal budgeting is figuring out ways to spend less money — and one of the best ways to accomplish that is to cut down on your monthly expenses. Even though some of our regular bills might seem small and insignificant on their own, their cumulative effect can be enormous – and become a huge drain on our resources. Fortunately, there are plenty of ways to chop your spending without a lot of time or hassle. Some of these cuts will save you just a few dollars, while others can net even bigger savings.
1. Use Skype
It’s free for all domestic and international calls with other Skype users, plus you’ll receive up to 25% off international calls with a subscription.
2. Buy in season
Craving strawberries in January? You’ll pay top dollar. With that in mind, make it a habit to eat seasonable, locally grown produce. Guard against cravings by canning or freezing fresh items so you can enjoy those berries any time of year.
3. Switch your electricity supplier
Compare rates and switch suppliers for FREE with Choose Energy. Review prices for energy plans available to you or switch to a green energy supplier, or lock in a long-term rate.
4. Visit in-store pharmacy clinics
For minor illnesses, they’re a great alternative to your doctor or the local emergency room if you can’t get an appointment with your doctor or don’t have health insurance.
5. Stop paying for TV channels that you don’t watch
This shouldn’t need additional explanation. If you don’t watch it now you probably aren’t going to watch it later.
6. Lower your Internet speed
If your at-home computer use is typically limited to checking e-mail and social-media sites, you may be able to downgrade without too much of a sacrifice.
7. Lower the hot water heater temperature to 130 degrees Fahrenheit
That’s hot enough to kill germs and safely wash dishes. Do laundry in cold water.
8. Pump up your tires
Tires lose about a pound of pressure a month, and if you drive with tires that are 3 pounds under inflated, your vehicle’s fuel economy drops by 1%, according to the ACEEE.Comparison shop.
9. Switch banks, credit cards, even brokerage accounts that drain your finances
It’s easy to find the best offers using online Bankrate’s “Compare Rates” tool.
10. Bundle your policies
Buy more than one policy from the same insurer and you may well get a break of 5% to 15%, according to the Insurance Information Institute. So try keeping your auto, homeowners and other insurance policies with one company.
For many people, frugal living is scary, or they don’t have the luxury to splurge on things beyond the necessities. Either way most people would like to spend less and have more money in your pockets at the end of the month.
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