It is super easy to spend less of your money every day, just a matter of taking a few more minutes to review your options or research a more efficient way to save. You know your biggest expenses and most of them are needed, especially when you are running a household. Most people are spending a lot more than needed for home services, utilities and other expenses. You can start saving more money and reducing your expenses by using a few methods that have worked for me in the past.
Finding Cheapest Gas In Your Area
We have seen the price of gas triple in the last 8 years and it can hurt your wallet. Using online gas hunters like Gas Buddy will find the cheapest gas prices in your area. I use it all the time and sometimes even drive different routes just to fill up my gas tank if I see a good deal. This site can help you save as much as 20 cents per gallon.
Finding Cheap Insurance
Whether you need car insurance, health insurance, life insurance or renters insurance, going to an independent or local agent like First American can save you as much as 150%. About a year ago, I received 8 car insurance quotes from the Top 4 car insurance companies in the U.S. and they were all $30 more than the cheapest quote I received. I ended up getting one of the best car insurance agents $60 cheaper than what the company offered me directly through a small independent insurance agent. Once you find a good agent you can get all your insurances bundled in one package and possibly save even more.
Calling up your cable tv or internet provider and asking if they’re running any promotions is something you should do every few months. You want to make sure your not paying more than the current advertised specials. Sometimes they may act clueless, but you can always remind them that you can get it cheaper somewhere else or stop using the service altogether. It usually takes me 3 calls before I am able to get the price want, sometimes as much as $50 in savings each month.
Saving On Bills
It is common for as few as 1 or 2 electric and gas companies to provide service for households within a city, this doesn’t give you much room to shop around. If you have a choice, you want to go with the one providing cheapest rates. You can also look into Energy Deregulation, you can possibly find other energy service providers who can provide service even cheaper than local energy companies. As far as keeping bills low, make sure your house is weatherized, you may need to install weatherstripping around doors and windows. You should also change your air filter every 3 months to prevent your blower motor from blocking air-flow and working harder. One more thing you can do if you have electric appliances is upgrading your home to use gas appliances instead since rates are a lot cheaper.
Grocery shopping is another big expense, you can either retrieve coupons from your Sunday newspaper or visit sites like RedPlum or Coupons.com. Printable coupon sites like these can save you hundreds of dollars a month on groceries. You can find some awesome deals online, most of the time you can even find deals you would not even know existed, or even ones exclusive to online shopping. Shopping online is actually cheaper when it comes to buying apparel, health products, and other goods because of this.
Searching coupon sites like Retailmenot, Coupon Cabin or MeFindCoupon.com before visiting an online merchant will often save you as much as 20%. One tip is to search for whatever it is you are interested in buying and see which stores are offering the best deals through comparison shopping. Finding online coupon codes before shopping online can save you hundreds or thousands a year. If your going to buy something, plan on buying it with a coupon and you will keep more of your hard-earned money.