Ways to Cut Back on Your Bills
Posted on Tuesday, January 3rd, 2012 at 11:21 am
Looking for ways to save money this year? There are several things you can try. You can set up a budget that focuses on spending less than you have in the past. You could start using more coupons. Or, you could trim the fat out of your budget, and cut back on some of your bills.
How to Cut Your Budget
What can you live without? Obviously, it would be a bad idea to suddenly stop paying your electric bill, water bill, or mortgage. Those are some of the types of bills that allow you, and your family, to have a warm, hygienic, comfortable, place to live.
However, some of your other bills may not be as vital for your survival. Those are the ones that can be trimmed away, in order to free up that money for unexpected expenses, medical bills, or to increase your savings account.
Do you really need a texting plan on your phone? There are some people who purchase a texting plan, but never, ever, actually send a text to anyone. If that describes you, then see if you can cancel your texting plan. This could lower your smartphone bill.
What costs more: basic cable, or Netflix? In most cases, Netflix will cost less than basic cable, but not always. Check to see which one will cost less in your area, and cancel the other one. This removes one entire bill from your budget.
Want to lower your heating bill? Use plastic to seal off windows. Put one of those cloth draft protectors, (that look like long, cylinder shaped, pillows), on the floor up against your front door and back door. Turn the thermostat to a comfortable, but lower, temperature, and wear a sweater, or use a Snuggie when you need to. These are just a few easy ways to lower your heating bill.
See if your phone and internet provider can bundle those services. It might save you some money! They are not going to call you and tell you how and when to do this. You have to be proactive about it. When my husband and I did that, they upgraded our internet speed, and they lowered our bill.
Insurance companies sometimes will give discounts to customers who have purchased more than one type of insurance from them. See if you can bundle your auto insurance and homeowners insurance together. Your insurance agent will be very happy to talk you through how to do that.