30 Common Sense Tips To Reduce Expenses
by: JudyTurner |
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The times are oh-so-bad and recession or depression or a slowdown (whatever you may call it) is upon us. Well, this world is all about survival of the money savers and so, save we must - here are 30 practical ways of cutting expenses and saving big:
1. Save on energy costs. Use power saving CFL lights. Hang your clothes instead of using the dryer, Only run things your dishwasher when full. And don't leave lights or appliances on unless you are using them.
2. Instead of going to the movies rent or borrow one. If you must go to the movies go to an early matinee and save some money.
3. Instead of meeting friends at the coffee shop or bar, call them home. Potluck dinner parties are a good idea.
4. Take your lunch to work more often. Your savings will really add up!
5. Share rides to work with co-workers or use public transportation.
6. Buy generic drugs instead of branded ones.
7. Do you see a good sale for a product you use anyway? Stock up whenever possible! If you have coupons for the sale item you can save even more.
8. If you make a lot of long distance calls then it may pay to go with a plan that offers free long distance. Otherwise, limit calls to nights and weekends when rates are normally cheaper.
9. Piggy-bank loose change.
10. Buy clothing off season and never pay full price. Often what you find at one store full price will offer something similar on sale.
11. Stop smoking. Easier said than done but can you really afford not to?
12. Doing little things like not running the water while brushing your teeth will save a lot of water.
13. Save money by working out at home. Rent or borrow an exercise dvd before buying to make sure you like it.
14. Keep your vehicle well maintained. That way you will hopefully get many more miles out of it well after it is paid off.
15. Shop in discount stores - even Warren Buffet does that!
16. Get out from underneath credit card debt by making more than the minimum payment each month.
17. Keep ingredients on hand for meals that you can have on the table in under 30 minutes. This just might keep you from ordering take out if you had a busy day.
18. Don't be afraid to ask for a deal when buying large ticket items such as cars and furniture.
19. In the market for a new home? Find a home under the price the your bank has pre-approved you for. With more affordable payments you may even be able to pay a little extra on your mortgage each month.
20. Check out Freecycle.org for getting free stuff or getting rid of things that you don't use. Many communities have their own chapter.
21. Stick with basic cable. Your family might balk at the idea but your wallet will thank you.
22. We all like to splurge once in a while on things like manicures but if are trying to save money consider doing this yourself.
23. Having a savings account just for emergencies is a must! Otherwise you'll end up resorting to credit cards. Try to put away just $5.00-$10.00 per week away and watch it add up. As you pay off debt increase your savings.
24. Dry cleaning can eat up a large portion of your monthly budget. Try to add more items to your wardrobe that you can wash yourself.
25. See if you can get a better price on insurance. Some companies will give you a deal if you carry all your policies (car, homeowners, etc) through them.
26. Cut back on soft drinks. Water is a much healthier alternative.
27. Have a yard sale. Not only will you make some extra cash but you will also get rid of excess clutter.
28. Always pay your bills on time. Late fees can really eat up your budget.
29. Plant a vegetable garden. If you don't have a lot of space you could try container gardening.
30. Know when to splurge. Cut back on the trivial things that eat up your paycheck and you can splurge occasionally on something fun.
Whether you try just a few of these tips or all of them, these tips can really help you stretch your budget.
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