How To Cut Bills And Save Money

How To Cut Bills And Save Money – Want to cut your household expenses but don’t know where to start? Or is there nothing you can do to cut costs and save on bills?

It may take time and extra work, but in the end, you’ll save money and have more financial freedom. Here it is!

How To Cut Bills And Save Money

Disclaimer: This post may contain affiliate links. This means that if you click, purchase, or sign up for a service through my link, I will receive a small commission at no additional cost to you.

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Look at your bank statements for the last few months (3-6 months) to determine where your money is going.

Anything you want – for example: income, utilities, medical care, food, children, pets, entertainment, etc. or necessary and unnecessary. Or you can see which system works best for you and what your family spends on.

Look at each category, determine which category you spend the most money on, and start there first. Consider whether these costs are appropriate. If not, what can be done to reduce these costs each month?

Be realistic with yourself about what changes are possible and whether the costs are really necessary. Enter the rest of the list of expenses that apply to each expense.

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While we can’t wait for all the bills to come in, there are some great ways to save money on bills that some may not have thought about yet.

Of course, when you have a growing family, food is a very necessary expense for everyone. To save more money at the grocery store, check out my other post: How to Spend Less on Groceries.

There are also many things you can do at home to stretch your grocery budget. Here are some of my favorites that our family makes:

Looking for more ways to save money and organize your bills? Use the budget planner! Always know where your money is going and never miss a payment again! Check out the prints in the store!

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In some areas you may only have one choice for your energy supplier, but if not, you can shop around to see who can offer you the best rates.

Always ask if there are any discounts you can waive – whether you’re the first responder, veteran, teacher, military, etc. It doesn’t hurt to ask!

Make sure you get the most bang for your buck with your car and home insurance. If you’ve been with the same companies for a while, call them to see if they can give you a better price.

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First responder, veteran, teacher, current military, etc. and/or claim a discount if you want to use more than one insurance policy.

If you are a Costco member, they offer competitively priced home and auto insurance. You can check to see if other warehouse membership stores you may be a member of offer these services.

Contact your employer and/or your spouse’s employer so you can get discounted insurance (including life insurance) through them. Here are some benefits you might not know about.

Let’s face it: medical costs in the US are huge. If you can get health insurance for you and your family through your employer, this is the best option.

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Having access to a flexible healthcare account will save you extra money when paying medical bills.

It never hurts to check drug prices at online pharmacies (whether you have insurance or not):

Especially lessons, games, reminders, etc. If you have children, transportation costs can be quite high.

The most obvious ways to save fuel are to use your car less, buy a more fuel-efficient car, or opt for a one-car family (if you have two cars). But most of them are impossible.

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An easy way to save on gas is to get a credit card with a high interest rate on gas purchases.

This is through your favorite gas station brand, membership clubs like Sam’s or Costco (the benefit of these is that they usually have cheaper gas stations, double the savings!) or a bank. Ask if they offer a discount credit card for people who like to travel.

If you’re paying for a landline and cell phone, you may want to reconsider whether you need a landline. Or see if they can give you a discount.

There are many different cell phone companies today and they offer millions of different plans. Call your provider and ask for discounts or plans to lower your bill.

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If not, shop around! They know you have few other options and don’t want to lose you as a customer if they can help it.

Many providers offer free phone lines when you sign up or have been with them for a while. (Some even give free or very cheap phones.) A colleague of mine who works for one of the mobile companies said they have 4 free lines!! Call and ask if there are any offers where you can get a free line.

Share phone subscription costs with family or friends. In some cases, having multiple phone lines on one account can be cheaper than separate accounts.

Don’t buy a smartphone for your child unless absolutely necessary. Elementary and middle school-aged children do not need smartphones. They don’t always need access to the internet and social media.

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So you can pay them to talk to their friends. So criminals can contact them (read this horror story here).

If you are concerned about your child’s safety or if he is in a position to contact you, consider one of the following options before making a final decision:

Or contact your current cell phone provider and ask if they have dumb phones, phones for kids, or phones for seniors.

Although you need Internet for more than just entertainment these days, I’ll put all TV/streaming/Internet/music/reading services here.

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If you have traditional satellite or cable TV and want to lower your cable bills, I think you should consider how much you’re actually using and whether it’s worth it.

Video streaming services are now available for streaming. You can also find your favorite video streaming service and compare prices.

Your internet may be connected to your cable and you may pay a lot for it. Do you need the fastest internet? New providers always come up with better, cheaper plans, so shop around. If you intend to cancel, your provider may offer a better deal if you follow through.

If you want to save on online streaming services, consider paying for Amazon Prime (you get a lot of services for one payment), buy discounted streaming gift cards at places like Sam’s to get a better deal, and use Swagbucks or Rakuten to earn Rewards. Cards for streaming services. , or request a free or discounted trial through your mobile carrier.

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After your trial period ends, they will usually offer you a discount to continue your membership. If you say no, you can get a better deal via email if they try to scam you.

Cashback on phones, mobile plans, gift cards, streaming services, credit cards and more. Check Slickdeals for new deals. You can also set alerts for important deals and get notified when a relevant deal is available.

Finally, evaluate the additional subscription services and determine if they are really worth the money. Gym memberships, streaming services, delivery services, magazine subscriptions, subscribe and remember, you mean opening those monthly subscription boxes.

You may come across multiple subscriptions or memberships that you have forgotten to pay for. Discard or reuse it as soon as possible. (If you haven’t used it in the last 3-6 months, you won’t be able to use it in the future!)

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If your fees are high and you don’t want to spend time negotiating, ask someone else to do it for you! Yes, it’s a real thing!

Disclaimer: I have not used any of these companies, I do not endorse them in any way, and I do not receive anything from them if you click on the links – this is for informational purposes only, to let you know what is out there.

These companies claim to save people a lot of money! Depending on your situation, one of these may work for you.

Do it

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