Living on a budget can be a struggle, but it’s often necessary. There are dozens of simple ways to make sure you’re not throwing away your money needlessly. Take the time to assess your spending and see where you could save a few pennies; you’ll be surprised at how fast the small things add up.
Buy online. Buying online is one of the simplest ways to save money. Websites often have deals that aren’t available in the brick-and-mortar stores. Plus, before you buy you can search for online coupon codes to make the savings stretch even further -- and sites like ebates.com even offer cash back on some purchases. You’ll also save on gas.
Cut down on entertainment costs. Instead of going to movies, rent movies. Look into renting DVDs from your local library or from services such as Redbox or Netflix that offer lower rental rates.
Also, be sure to assess your subscriptions. If you’re subscribing to a newspaper or magazine you just don’t read on a regular basis, cancel it and only purchase issues you really want to read. If you frequently buy a particular publication, subscribe to it because you’ll be getting a better deal.
Never pay unnecessary fees because they can add up quickly. Make sure you’re not paying a monthly maintenance fee on your checking account, and if you are, talk to your bank to see how you can eliminate it. Also be sure to pay your bills on time. Penalties for not paying on time can add up and hurt your monthly budget. If you don’t think you’ll be able to cover your expenses for the month, look into getting cash loans so you can pay off your bills and avoid late charges.
Assess how you’re paying insurance. Try paying your life insurance annually and your car insurance semi-annually. Most insurance companies charge you more if you’re paying monthly.
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