The Easiest Ways to Save Extra Money

3ways to save Go with the Flow to Save your Dough B bills utilities shopping • Many of us are spending more than we should on things like insurance, cable, telephone service, and utilities • Many of us have not tried to lower these monthly bills in the last year, if ever • Many of us could save hundreds of dollars a month by taking a few simple steps Telephone service Cell phone service Monthly bills In this step, write down on a piece of paper or in a spreadsheet each of your monthly bills. Include bills that you pay every six or twelve months, too, like life and auto insurance. And next to each bill, write down how much you pay each month. If the expense varies from month to month, just guess at an average for now. Note that we are not including utilities, which we'll get to in step 2. Life insurance Health insurance (even it provided through your employer) Cable Next, go down the list, evaluate each bill and ask these three questions: Internet service 3 MortgagelRent Home eguity credit line Homeowner's insurance Auto insurance Car loan Can you get the service for less from another provider? payments Can you reduce the expenses? Can you get rid of this service? Gasoline Credit cards Credit monitoring As you go down your list of monthly bills, keep track of how much money you are saving. It may be only $5, $10, or $20 per item, but it can add up to a significant sum once you complete step 1. And reducing these costs generally does not require any sacrifice in how we live our lives. Clublgym memberships Magazine subscriptions School loans Utilities Each year, utilities consume a larger and larger portion of our monthly budget. Energy Star estimates that the average family spends about $2,200 a year on utilities. For many, it's a lot more. If we can save even $50 off our monthly bill, we pocket $600 a year without sacrificing our standard of living, and we do our part to conserve natural resources and the environment at the same time. Replace incandescent Buy energy star bulbs with CFLS Conduct an energy audit of your home Install a programmable Consider tax breaks thermostat ćertified products energy ENERGY STAR Today, significant tax breaks are available for energy efficient home improvements, so make sure to take advantage of these if you plan to make improvements to your home. It's easy to do and will show you where your home is leaking money! They are relatively inexpensive They last longer, which means and easy to install. According to Energy Star, a programmable thermostat can save 20% of your heating and This may be obvious to some, but energy star products consume less energy than other models. When shopping for everything from a refrigerator to a dehumidifier, look for the energy star label. you'll replace bulbs less often. And they consume a lot less energy. cooling bills. Internet is the key Shop smarter ****** The final step deals with how we spend money on everything from groceries to vacations. The Internet provides a wealth of resources to help us get more for less. free There is free software available for just about everything you would need to do on your computer - There are Internet sites that enable you to find the low premiums on auto, life, health, and homeowner's insurance - There are free websites that will search the Internet to find the lowest available price on just about anything - There are dozens of free government websites that provide a wealth of information on ways to save money Didyou know Finding the cheapest gasoline in your area is a snap on the Internet You can print out grocery store coupons from free websites to use the next time you go shopping Certain car tires can increase If you don't have prescription drug insurance, there is a website that can gas mileage that. help you get significant discounts source: doughroller.net