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4 Simple Ways to Cut Costs and Save More Money


Personal finances are a big concern for many people. Will we have enough money to pay the bills this month? Do we need to make sacrifices in order to make ends meet? Can we afford to buy that home we’ve dreamed about forever? If you are one of the many people that feel stress and anxiety about money, there are a number of simple things you can do to help ease your mind and build your savings. Here are four easy ways to reduce your monthly bills and save more money over time.

Assess Your Utility Usage

Have you noticed that your monthly utility costs are creeping up? It may be time to look at how your family is using water and electricity, and whether they’re turning up the heat or air conditioner in your home. Talk to your kids about the importance of conserving energy by shutting off lights and the television when they leave a room, and remind them if they happen to forget. Simple things like unplugging small appliances and phone chargers, paying close attention to how you’re operating your home heating and cooling systems, and shutting things off when they aren’t in use can help you shave a few dollars off your utility bills each month.

Rethink Your Luxury Spending

Do you enjoy a cup of coffee from a local café each morning? If so, you could end up spending hundreds of dollars this year on your caffeine fix. Cutting coffee out of the equation isn’t a viable solution for many people, but you may want to consider brewing a pot at home and taking it along in a travel mug in order to save some money. Making simple tweaks like this to your luxury spending can make a big difference in your budget over time.

Be on the Lookout for Deals

Everyone loves getting a good deal. If you are interested in saving money, pay close attention to your local print advertisements and purchase products items your family uses frequently when they go on sale. You may also want to start exploring online discounts, like these coupons from Women Savings. Whether you are perusing your local circulars for discounted items or clipping coupons online, being on the lookout for deals can help you save money.

Learn More About High Yield Accounts

Do you have a savings account set up at a local bank? If so, you may want to talk with a bank representative about your options for depositing your money into a high yield savings or a CD account. Higher rates mean extra savings for you over time!

If you are interested in building up your savings and reducing some of your money-related stress, there are a number of simple changes that you can make. Start by assessing your utility usage and looking for ways you can save a few extra dollars, rethink your luxury spending, be on the lookout for good deals and use coupons, and learn more about how to gain interest income with high yield accounts. You’d be surprised how quickly a few dollars can add up!