41. Take care of your credit card debt.
One of the things that can add more to your monthly expenses is your credit card debt. This is because the higher your debt becomes, the more you need to pay in terms of its interest. In other words, you may end up paying for the interest each month, without even touching the principal amount you owe. Clear your credit card debt by applying for a low cost loan, so that you can breathe easier.
42. Cutting your home phone bills.
Landlines or home phone services usually cost more than their VOIP counterparts. Thus, you should consider switching to a VOIP phone service and just maintain your mobile phones. Aside from that, you should also check with your local phone service provider, if they can provide you with the most basic service to cut down on costs.
43. Go to the grocery store after eating and not before.
When you go to a store to shop for groceries, it is always best to do it after grabbing a snack, or eating lunch. This is because shopping in groceries when you are hungry can make you purchase food items, which you really do not need. In most cases, when you get home from shopping and eat lunch, you would realize later on that you have gone over your budget, for taking in too many food items.
44. Shopping for clothes.
In buying your own clothing, you may have a tendency to purchase those that are heavily advertised by celebrities. Designer label clothes are very expensive. Although they are good in terms of quality and design, you can actually find lots of products today, which are equally good but are more affordable. Thus, avoid such types of clothing, so that you can save some money.
45. Take advantage of online auction sites.
When you take a look around your own house, you may realize that you have lots of used things, which you are not using anymore. If these items are still in good condition, then you should sell them in online auctions sites. Earning more money is also a good way to saving more. Aside from that, while you are earning online, you can actually get rid of the clutter and have more space in your house.
46. Do It Yourself.
You should become a DIY person if you want to save more money. By becoming one, you no longer have to hire a carpenter in fixing something at your own place. Aside from that, you also won’t have to hire someone to clean your backyard, especially if you gain more knowledge in gardening. Becoming a DIY person will open lots of opportunities for you not just to save more money, but to earn more as well.
47. Travel insurance.
Prior to getting a travel insurance, you should decide to go on a trip first. Thus, if you have previously acquired an annual insurance, then you should not renew it, unless you are going to travel soon. If you are unsure, then only renew it, when you are about to book another trip for your family.
48. Get more quotes.
When it is the time of the year to renew your auto insurance, you should not hesitate in shopping around for the most affordable rates. A good way of doing this is to get free quotes from different insurance providers. Before you decide to switch to another insurer though, make sure to consider the coverage they can provide, to be on the safe side.
49. You can always say no.
If your kids are quite fond of telling you what they want at the grocery store or at the toy store, then you should practice saying no to them. Aside from that, you should also learn to say no to your friends, if they want you to out with them for drinks. Saying no would not just feel liberating, but it can also help you save some dough.
50. Keeping up with appearances.
If you have a tendency to buy something that you saw your friend or neighbor has recently bought, then you should cut that costly habit. This is because you may end up buying lots of things you don’t need. Aside from that, you don’t even know how your neighbor got it; and, they might even have used their credit cards for it.
51. Trading your car.
Having a new used vehicle is not such a bad idea, especially if you want to save some cash. You should also consider this, if the car that you currently have piles up your expenses by consuming more gas, and offering little space for your family. There are lots of car supermarkets these days, which can offer you a quality used vehicle that has a price that is just a fraction of the brand new one. Check them out, so that you can save more cash.
52. Shopping items on sale.
If you just happen to be in a store because you have free time, and you found items that are on sale, then you might be tempted in acquiring them immediately. However, before you make a
drastic move, try to think about whether you really need the item or not. Although the item may cost only half of its original price, you still should not buy it if you don’t really need it.
53. Your gym membership.
In order to have a healthier body, you may be visiting the gym on a regular basis. However, if your busy schedule prevents you from visiting it at least thrice a week, then you should cancel it. With your hectic schedule, you should workout at your own place from now on. Aside from saving more time, you can also save some money since you won’t have to deal with membership fees.
54. Cut down your drinking habit.
Aside from the fact that drinking can cause negative effects to your health, it actually adds up on your monthly cost of living. If you are used to drinking a bottle or two of your favorite beer each night, you should cut it down to just a couple of beers only on weekends. By doing that, you are doing your body a favor, as well as your pocket.
55. Quit smoking.
Smoking is one of the leading causes of certain types of diseases all around the world. Aside from that, cigarettes also continue to become more and more expensive these days. Thus, you should find ways to quit it. When you quit smoking, you can lessen your risks to certain diseases, smell good, and save some money along the way.
56. Use the internet.
If you are in need of a new recipe, a new guide to playing the guitar, or a new manual for self-development, you no longer have to go to the bookstore and spend lots of cash for it. What you can do is to access websites for the information that you need. Aside from offering you informative articles about the topic you are interested in, you can also find lots of eBooks on the web that are for free.
57. Extended warranties.
Extended warranties are usually available for popular electronic devices. They are usually offered so that you would have a warranty that extends for more than just a year. Before you take advantage of it though, you should stop and think if you really need it. In most cases, a warranty for six to twelve months is already enough. Just make sure to choose an electronic device that is made in good quality, so that you won’t have to worry about extended warranties.
58. Eat lesser amounts of meat.
When you compare meat products to vegetables, they are more expensive, aside from the fact that they are often associated with fats. Thus, it is best to eat more vegetables instead. However, since you need meat for your source of protein, you should opt for chicken without its skin, since they are more affordable.
59. Eat in a slower pace.
When it comes to eating, you can save more money and lose weight by eating slower. This is because when you eat slow, you will have a tendency to eat less, since your stomach would take a certain time to send a message to your brain that it is already full. Thus, in eating slower, you won’t just enjoy a fitter you, but you can also enjoy more savings since you consume lesser amounts of foods.
60. Bring your own lunch.
If you don’t have the time to go home and eat lunch, you should cook your own food and bring it with you. By doing this, you won’t have to spend lots of money in eating at restaurants or fast food chains. Aside from saving lots of money, you can also ensure that you stay in good health, since you would be the one to prepare it.
