Life can get fairly expensive, even if you try to live within your means. With costs like grocery bills and gas constantly going up, and new technology quickly becoming “essential”, it’s no wonder many of us find it difficult to come up with enough cash for everything.
The good news is that there are lots of ways you can save a little here and there by putting a little thought and effort into your spending habits. Here are a few examples:
- Make a shopping list before you go to the store, so you only buy what you need.
- Clip coupons, and look for stores that double coupons.
- Sign up for rewards programs.
- Buy a filtered water pitcher rather than purchasing bottled water.
- Skip the daily latte and brew your own coffee at home.
- Cut down on take-out food and start cooking more meals at home.
- Cancel your cable and get an antenna instead so you can watch local channels for free. (Use Netflix or RedBox for movies.) Or you could try bundling your cable with your landline and internet service.
- Decide if you really need to keep your landline, or if you can just use your mobile phone instead.
- Look at how much you’re really using your mobile data plans, and adjust if necessary.
- Research whether it’s worth refinancing your mortgage rate, or asking your landlord for a break on your rent if you renew your lease.
- Consolidate your credit card and consumer debt into one bill to help you pay it off more quickly and save on interest.
- Shut off lights around the house when you’re not using them.
- Use a programmable thermostat.
- Switch up your entertainment rituals, such as going to afternoon matinees instead of evening movies, or going out to eat for lunch rather than dinner.
- Carpool to work, or use public transportation.
Getting creative with your efforts to save can really pay off.