Sometimes saving money is a lot tougher than spending money. If you have a budget, it’s important to stick to it. Staying within in your budget can prevent you from missing bills and losing more money in late fees. Here’s some simple ways to save money with little effort.
Pay More On Credit Card Bills
If you have gained quite a bit of credit card, you have a long trek to pay it off. If you know you can’t afford to pay it off in one bill, pay more than the minimum fee for each bill. For instance, if you owe $20 for the month, consider paying $40 instead. With lower card balances, try paying it off all at once. Although if you have other bills to pay, make sure you don’t throw your money all into one bill.
Prepare Your Own Food
Eating out can get incredibly expensive. Avoid eating out at all costs. Prepare your lunches the night before, so you can bring them to work with you. If you spend $10 on a lunch per day, you just saved yourself almost $50 a week preparing a much cheap and cost efficient meal at home.
This applies to your coffee habits also. Depending on how much coffee you drink daily, you can save yourself so much cash throughout the week. You can be shelling out over $5 at Starbucks for some drinks. Invest in a coffee maker to brew your own coffee. You will be surprised on how much you save down the road.
Avoid Bottled Water
Bottled water is horrible for the environment, and for your wallet. Plastic water bottles are supposed to be recycled, but they still end up in landfills from people who choose not to recycle them. If you purchase a bottle of water from a gas station, it averages from $1.10-$3.00. Consider using a reusable water bottle, or a filtered one if you are picky about the water you drink. There are plenty of fun designs on reusable water bottles. You most likely won’t have an issue finding one that suits your personality.
Turn the Heat Down
When it gets cold out, it’s tempting to turn up the heat higher than necessary. Doing this only raises the cost of your energy bill. Avoid raising your heat above 65 degrees. On colder days switch it to 68.
You can also set a timer on newer thermostats so the temp can be lowered when you are sleeping or at work. This could dramatically drop your energy bill costs. Experiment with the temperature times, and find one that meets the needs of everyone in the household.
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Katelyn Porter is loves to blog about money. She finds new ways to save money, and pay off debt. She recently sold some of her collectible coins to pay off a large portion of her credit card debt.