Increase your income
Cut your cell phone plan
Have you
looked at your cell phone history lately? If you’re using less than your
allotted minutes, text, or data, switch to a lower plan. Comb through your
history and bills, then ditch anything you’re not using.
Ditch the landline
It may be
time to cut the landline. Cutting your landline service can save $25 to $30 a
month – around $300 a year.
Take a staycation
Staycations
are all the rage lately for one reason: They’re a lot cheaper than regular
vacations. If you’re trying to stash away an extra grand this year, consider
staying home and living like a tourist in your own city for a few days.
Raise your deductibles
Raising your
insurance deductibles will lower your monthly payment. For example, raise your
car and homeowners insurance deductibles from $200 to $1,000 and you could save
hundreds in premiums. Just make sure you don’t raise the deductible higher than
you can afford if you need to file a claim.
Drop your cable or at least turn off the
premium channels
Use NetFlix to
to watch your favourite shows but If you want to keep your cable, at least
ditch the premium channels. HBO, Cinemax, and Showtime each cost about $13 a
month or $39 for all three. If you cut them off today, in just six months
you’ll be $234 richer.
Cut out ATM fees
My old bank
didn’t have nearby ATMs, and they charged a convenience fee when I used one
outside of their network – so I spent about $5 for every ATM withdrawal. Going
to the ATM once a week was costing me $20 a month. So I switched to a bank with
more free ATMs in my area, saving $240 a year. If you’re paying for access to
your own money, you should do the same.
Buy out of season
Buying out
of season (swimsuits in January or Halloween decorations in November) can save
you a ton of money.
Sell what you’re not using
Want a
painless way to beef up your savings? Go through your house and toss everything
into a box that you haven’t used or worn this year. Then sell that stuff and put
the money you make into saving by going the old-fashioned route with a
yard sale or a visit to a consignment shop.
Buy generic
Many
products are the same, no matter the brand name. Skip the name brands on pain
relievers, water, milk, margarine, bleach, cleaning products, and spices. They
all worked as well as their name brand counterparts, and you could save up to
60 percent.
Use coupons
Vow to
always use coupons, and not just on your groceries. With sites like Groupon and
LivingSocial, you can snag deep discounts at local retailers.
Quit smoking
Smoke a pack
a day and you’ll spend $144 a month. In a year, you’ll spend $1,733 on cigarettes.
Quitting isn’t just good for your health, it’s good for your wallet. But if
you’re not going to quit, at least save some money on the smokes you buy for
example buying in cartons
Reduce your energy use
According to
The White Fence Index, U.S. consumers spend an average of $96.55 a month and
$1,158.60 a year on electricity. If you reduced your bill by 30 percent, you’d
save $28.96 in a month and $347.58 a year.
That isn’t
hard to do – just install a few CFL light bulbs, turn up (or, when it’s cold, down)
your thermostat, and flip the switch when you leave the room.
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