In a time when the cost of just about everything is going up and our budgets are being strained, save money where you can. Take a look at your home, your spending and where your money is going. After closely examining and critically looking at the cash you spend, you should be able to find areas where changes can be made.
Here are some ideas that can help you lower household expenses:
1. Cut back on your cable or satellite package and invest in a Roku player, which costs around $50 at most retailers. You can watch a large selection of high-definition Netflix and Hulu Plus movies and TV without a PC. (You will, howerver, need an internet connection and a subscription to Netflix, Amazon, or Hulu Plus. These are low-cost services.)
2. Mobile coupons are fast becoming the popular option to find instant bargains and save big bucks while you're out shopping. Download an app like Ibotta, Checkout 51, and Target Cartwheel, to save without clipping and actually get cash rebates on your purchases. You can also register for mobile coupons from retailers like Target and your local grocery store. These mobile coupons will allow you to save on just about anything you buy from clothes, personal care products, to groceries and much more.
3. Visit ReStores or EcoStores. For inexpensive home improvement and building materials, new and used, check out Habitat for Humanity ReStores operated by the nonprofit organization. More than 800 ReStores throughout the U.S. and Canada sell donated materials and supplies to the general public. EcoStores are also available in many communities across the state. Pay a fraction of the cost for items like carpet, wood, tile, light fixtures, paint and more.
4. Slash Your Insurance Premiums. Insurance is important to have, but costly. Shop around for a better auto insurance rate, and you may be able to cut hundreds of dollars off your current premium. if you can't find a better rate, talk to your current provider to see if there are discounts that you're missing. Find out if they offer a multi-line discount for customers with multiple policies, a good student discount or a good driver discount. You may also pay less each money by increasing your deductible or canceling collision coverage on older vehicles.
5. Sign up for every free customer rewards program you can. These are the offers available to customers with store cards. They are not credit cards, they are cards that allow the store to track what you buy and offer special savings based on your purchase history. Even if you rarely shop at a particular store, having a rewards card will eventually net you some coupons and discounts that may prompt you to shop there and save money where you may have otherwise spent more.
Want to increase your savings the old fashioned and simple way? Clip coupons. You can browse through hundreds of them here.