Ways to Cut Back on Your Bills
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Ways to Cut Back on Your Bills

Posted on Tuesday, January 3rd, 2012 at 11:21 am
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Looking for ways to save money this year? Learn how to trim the fat out of your budget, and cut back on some of your bills.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.

 

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Good Tip: Saving money is important – especially if you have a lot of expenses like bills to pay, loans to pay off, and all the other things that drain your bank account. Figuring out a way to save money can feel tedious to some, and like a punishment to others. U.S. News suggests that you try one of these money saving challenges. The “No Eating Out for a Month” Challenge This one is self-explanatory. The goal is to avoid eating out for an entire month. This might be super easy for people who enjoy making meals at home. People who really enjoy dining out, or ordering food to be sent to their home, may struggle with this one. It’s worth a try because spending money on take-out is more expensive than buying groceries. The Pantry Challenge This one is a variation of the “No Eating Out for a Month” challenge. The goal is to use up all of your groceries before you buy more. It forces you to try and remember why you bought a food or beverage that you don’t know what to do with, and gives you the opportunity to find a way to use it. The one exemption to this challenge is the foods that have expired. Don’t eat them! Throw them in the trash. The “No Spend” Challenge Make a goal to avoid spending money during an entire weekend. The only exemption in this challenge is that you are allowed to pay bills. This challenge is interesting because it requires creativity. You must be creative and find workarounds for problems that you would typically solve by spending money. You may have a different outlook on spending after finishing this challenge.