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Thursday, April 2, 2009

Ways To Cut Back On Expenses

It seems more and more people are finding themselves on a tighter budget now a days. Living paycheck to paycheck, with most of their money paying for basics like food, gas and housing.

I believe I have mentioned these saving tips before, but I think it is a perfect time to mention them again. I’m sure if you truly analyzed your monthly spending, you would be able to find ways to cut back and save some money each month.

Some people on budgets fail to recognize what they really need vs. what they want. There is that possibility of saving money if you look at your spending habits and only make purchases on what you need.

If you feel comfortable raising your Homeowners and Auto Insurance deductibles, this could save you additional money. I know most insurance companies gives you a credit if you have multiple policies with them. You could also shop quotes for both insurances. You may be able to find lower insurance than what you already have for an additional savings.

I have made it a point to reduce food waste in my home. I began noticing the amount of food that was being thrown out and it really upset me. The leftovers that usually found their way to the back of the refrig which were forgotten, are now being used for additional meals. I have been doing this for awhile now and I honestly can say I save money each week this way. I also bring lunch to work. The savings by just doing that are alot each week.

You may be able to trim expenses by looking at your cable and cell phone bills. Do you really need those extra cable channels? How about that expensive cell phone plan that includes services you hardly use? If you are in a situation that you are having trouble meeting your more important bills, should you really be paying for those HBO channels? If you have both a land line phone and a cell phone, it may make more sense to delete one of those services. There would be a definite savings there each month.

Another way to cut back on expenses is by paying attention to the sales being offered. Clothing, for example, can take a chunk out of your monthly paycheck. Maybe shopping at a store which is less expensive...meaning you are not paying a higher price because of the 'name' of the store.

If you truly look at where your money is going and make a commitment to trim expenses, you can find ways to cut back and save each month.

Do you have any money saving tips to share?


Keith said...

Nice to read tips in these times. Keep 'em coming :-)

AC Associates said...

hi Keith,
Thanks for visiting. We all could use some tips on ways to cut expenses. I think most of us have been touched by the financial crunch.

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