Monday, December 31, 2012

Easy Ways to Cut Costs on Your Home Expenses

Every month, you just wait to check the mail and receive the bills that your service providers never forget to send to you. If you are the type of person that lives on a very strict budget, you have to know exactly how much money is spoken for every month out of your check. But there is a way to reduce the amount of the money you have to allot to your monthly bills. Read on for 5 money-saving tips that you should consider trying this month. 

Save on Your Auto Insurance 

Auto insurance is required by law. If your vehicle is financed, you might be spending between $150 and $350 per month just to insure one car. One of the quickest ways to save money is to find lower auto insurance premiums without compromising your level of protection. You can raise your deductible, take advantage of multi-line discounts, and shop for insurance with new and more affordable providers. Look for discounts, consider combining your insurance, and review all of your private insurance. 

Bundling Translates Into Saving Money 

If you have your Internet with one provider, your cable with another, and your telephone services with yet another, consider bundling all of your services with a single provider. You receive offers in the mail, in your email inbox, and can search for offers online. Look for the best bundles that offer high-speed Internet, long distance calls, call forwarding, and premium channels and you can still save between 10 and 30 percent. 

Do Not Pay for Extras You Will Not Use 

You pay for features you do not use on a regular basis. How often do you use conference calling, caller blocking features, or even your remote voicemail? Review what features you are paying for and determine what you are going to really need. Remove the features and services you do not need and you can save over $100 a year. 

Look At Sales Ads Closely 

If you tried coupon clipping and you think it takes too much time, you might want to consider looking at all of those sales ads you receive in the mail each week. You can find things you need from the grocery store or your local retailer and save money at the same time. Circle what you need and make sure you do not buy things you do not need just because they are on sale. 

Avoid Paying Late Fees

As you save money on your other bills, you will have plenty of money to cover your bills on-time. It might be tempting to put off paying your bills for a week or two. Avoid the temptation and you can save because you are not going to be charged all of those late penalties you have been paying for years.

You do not have to compromise your lifestyle just to be frugal. Try these money-saving tips, do your best to minimize costs, and save for trips and even your retirement.

Author Bio
Lyndsi Decker is a freelance writer. Currently she is promoting Bell calling cards. She is a mother of two and enjoys blogging and educating about frugal living.

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