Top Ways to Save Money at Home

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These days many people have debt, which means that we are all trying to save money wherever and however we can. In many cases, this means finding multiple ways to make use of things we already have or adopting better consumption habits. By exercising a little frugality, you can save anywhere from a few dollars a day to hundreds every month. Consider these simple ways to save money at home:

Lower Your Electric Bill

A great option for reducing household power consumption is installing a programmable thermostat. This allows you to easily control or pre-set the temperature of your home while you are away so that you don’t waste money cooling or heating an empty house. Subsequently, it can also be set to ensure that the temp is comfortable when you are at home. On a much simpler scale, you can also take easy steps like unplugging electronics when they are not in use. Remember, even the smaller attempts to reducing consumption can significantly affect your electricity bills!

Become a Cord-Cutter

Do away with your cable subscription. Instead of paying for an expensive cable TV package, consider the options for watching your favorite shows online. It’s quite likely that they are available through one of the many online streaming services. As another more extreme alternative, you could consider other enjoyable activities or hobbies that don’t require cable or the Internet at all! By doing away with cable, you can save a significant amount of money each month.

Stop Eating Out

Get out of the habit of paying for restaurant food. While convenient, eating out is considerably more expensive than eating at home. Not only can you prepare your own breakfasts and dinners, but you can easily pack leftovers for lunches as well. We suggest meal-planning and investing in a slow cooker if you don’t want to spend your evenings cooking when you get home from work.

Stop Buying Bottled Water

Bottled water constitutes one of the biggest wastes of money today. The reality is that tap water in most parts of the country is perfectly safe to drink. If drinking from the public water supply is out of the question for you, invest in a quality water filter. Even if you only spend a few dollars per week on bottled water, the savings from using a filter will be dramatic over time.

These are just some of the easiest ways to save money at home every month. Controlling your spending can help you to save up for long-term goals, repay your debts and build up a  savings account.

Check out more money-saving tip with these DIY home repairs!

We’ve all been there: the extra few hours at work, stuck in rush hour traffic, feeling exhausted and the last thing you want is to spend time in the kitchen! DoSomething.org reports that 1 in 4 Americans consume fast food at least once a day, meaning that our dependency on already cooked, delivered meals is a necessity (and no longer a luxury). It may seem like you’re saving time and resources by eating out. However, your wallet will take a beating from all of the excess charges for items that cost a fraction of that amount from the store! Loans, bills, and debt are sky high for a majority of Americans, making finances a major source of stress. The American Psychological Association found that more than 72% of Americans are highly stressed about money and bank accounts. By simply cutting back on costly cuisines, the strain and pressure will radically decline. Try these simple tips to lower your spending on quick fixes and spend more time where it really counts: towards your wellbeing.

Car insurance policies come with a wide range of options. However, no single insurer offers all of the options and policies that meet your needs, so smart car insurance shoppers should compare the offers of different insurers. This ensures that you will get the most suitable coverage for your individual needs at the best prices. How Should You Go About Comparing Car Insurance? If you are comparing car insurance, here are some tips to keep in mind:

Credit card debt was projected to total $900 billion by the end of 2015, with the average US household owing at least $7,813. Having access to credit makes it very easy to pay with a credit card for goods and services, but there are plenty of situations when paying by credit card is really not a wise option. Reasons Not to Pay by Credit Card One major reason to be wary of paying with credit cards is when shopping online at unfamiliar sites and retailers. Giving credit card details online can be a security risk leading to theft of credit card details and personal information. You should always check the online security of any websites prior to making online payments. 

In a pinch and need to save your pennies? Here are some tips for generating your savings quickly!

Moving is always an expensive endeavor, but no matter how much you save, it always seems that the cost of moving exceeds what you’ve planned for. In the end, it is the little things that make up the hidden costs of moving, and push you past your budgeted amount. If you have an upcoming move, here are the things you should consider so that you can stay within your budget.

Vacations provide us with much-needed rest and relaxation, but can be a huge burden on your family budget. Fortunately, there are ways for you to have fun while on vacation without having to break your budget in the process. Here are some great tips on how to plan a cheap vacation: Spending Less While Still Having Fun Airlines and hotels often have sales and discounts, so be sure to keep a close eye on them for opportunities. This is particularly true as travel dates come closer, since travel providers will lower prices in an attempt to fill their remaining vacancies. Searching for airline and hotel deals can be frustrating because of the sheer number that exist out there. Instead, use airline and hotel search services, which should be able to help you find better travel deals by searching all providers at once. Consider heading out on vacation as part of a group since airlines and hotels sometimes offer discount rates for bulk travelers. Better still, people who travel together can shoulder some of the costs together, meaning that the cost per person may be lower even without travel discounts. Travel close to home. Consider heading to a local tourist destination rather than somewhere far away. Not only will it cost you less to get there, but if you choose a less-popular tourist area, you can likely save on the cost of lodgings as well. Try a staycation. For a lot of people, having the chance to rest and relax while…

The best part of having access to a credit card or many cards is the ability to leverage your good name for some purchasing power that doesn’t need to be backed up by actual funds. The downside of credit card use is when you end up running into those pesky credit card charges. Nobody likes paying more than they have to for access to credit, and it’s the charges that can really get you in over your head quickly if you aren’t aware of the worst charges that you could face.

There is a prevalent belief that going into overdraft on your bank account is actually cheaper than taking out a short term loan. That may have been true a long time ago, but not today. Overdrafts can be quite expensive due to the high fees you will incur. In many cases, taking out a short term loan can actually be cheaper. On average, banks charge their customers a $30 penalty fee for going into overdraft, and often, additional interest on the overdrawn amount. Alternatively, you may be paying a monthly fee for overdraft protection, which gives you protection if a check or automatic withdrawal overdraws the account. On average, banks charge $225 per year for this type of protection. Whether you overdraw your account, or opt for overdraft protection, you may be paying a hefty fee for this convenience. Overdrafts are great as instant loans for the purpose of purchases and check payments when your bank account has run out of money. But the instant nature of this loan makes it very dangerous. Most people fail to take notice until they have used up their overdraft limit and gone into the red. So what do you do if you know you have a bill payment coming up, and you know your account will be overdrawn? One way to avoid these fees is to take out a short term loan to pay your bill, instead of allowing your bank account to go into overdraft and incur expensive fees. If you use…

A lot of life’s problems start very small and grow so big over time that they become unmanageable. Take your utility bills, for example. They are usually small, but if you fail to pay up for several months, the accumulated amount becomes a big issue. If you have no extra source of income, your overdue payments and debts disrupt your cash flow and can be a huge source of stress. When your needs are still small, taking out small loans can go a long way in preventing cash flow problems in the future. A small loan can impact your cash flow in the following ways: Helps you pay utility bills: Failing to pay utility bills on time is an expensive habit because you will be served with a fine with every late payment. The longer you put off paying, the higher the fine will be as it increases every month until you pay up the entire amount. Small loans can help prevent such a situation by allowing you to pay on time. Helps you clear small debts: Debts have an unpleasant habit of growing over time. The longer you put off paying, the more interest you will accumulate. Over several years, the small loan you have taken becomes so huge that you will be in danger of being stuck forever stuck in a debt trap. A short term loan can help you clear the debt while it is still small so that you will be able to move ahead with…

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