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Effective Ways to Lower Your Monthly Expenses

Woman reducing expenses

On one hand, you probably feel pressured to keep up with everyone around you, so you’re always tempted to spend more money than you originally planned. But at the same time, you likely feel obligated to cut out the luxuries or the things you really love in order to make ends meet, so you want to spend less. Fortunately, if you’re working with a limited amount of money, you don’t always have to feel like you’re in a sticky situation. We offer seven ways to lower your monthly expenses and still enjoy your everyday life.

Buy in Bulk

Many people will tell you that buying bulk foods is cheaper, and in most cases, they’re right. Depending on what you need, buying more of your favorite nonperishable foods at a lower cost per unit may be in your best interest.

Conserve Energy in Your Home

There are plenty of ways you can save energy throughout your home. By implementing these methods, your home’s appliances won’t operate more than necessary, and in turn, you’ll save on your monthly utility bills.

Invite Friends Over to Your Place

From dinner and drinks to fun activities, it’s no secret that nights on the town are expensive. Instead, host a night in with your friends, which can be just as enjoyable. Also, don’t be afraid to encourage your friends to join you in this effort and create a weekly hosting rotation.

Select Generic Items

Generally, purchasing goods from well-known brands costs more. Interestingly enough, the generic versions often perform or taste the same as their name-brand cousins.

Shop Around for Your Insurance

Obtaining lower rates can be as simple as calling multiple companies and comparing prices. Additionally, many companies will give you amazing deals if you combine your auto and home policies.

Switch Your Cell Phone and Plan

No doubt, phones can be unnecessarily costly. If you’re somebody who wouldn’t mind using a phone without all the fancy features, then buy a simpler one—it’ll cost you much less upfront. You can also opt for a pay-as-you-go plan: you only pay for the minutes or data you use each month, and that’s it.

Visit Your Local Library

The cost of multiple streaming service subscriptions adds up, so searching for entertainment at your local library may be worthwhile. Picking up books or DVDs is free—all you have to do is acquire a library card!


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