15 proven ways to Cut Back on Your Expenses

15 PROVEN WAYS to Cut Back on Your Expenses 01 02 Clothing Health care v Buy at garage sales and thrift shops v Buy online v Shop out of season v Buy your kids clothes a size bigger v Shop you closet and be creative V Use an HSA (Health Savings Аccount) v Ask the health care providers for a cost estimate V Always ask for a discount v Make sure the tests, prescriptions or procedures are really necessary v Maintain a healthy lifestyle Your Monthly Saving: $121 Your Monthly Saving: $490 03 Housing 04 Food v Consider renting out a room v Don't spend too much on a mortgage * Never buy without putting at least 20% down v Buy on bulk what you can V Don't over shop. Always v Rent/buy only what you need v Keep your house properly maintained in order to reduce living costs use a list V Don't shop hungry V Shop around sales and use coupons v Buy ingredients in-season Your Monthly Saving: $755 Your Monthly Saving: $350 05) Personal Insurance V Always compare prices v Don't be shy - ask for 24 a discount V Increase your deductibles v Get new car insurance quotes every renewal V Remember! Expensive car / home = expensive insurance Your Monthly Saving: $122 MONTANACAPITAL –TITLE LOANS–