#1: Appliance Management
One of the biggest draws of money within the home is the use of appliances. Do you hear the television in the background? Do you have fans running or perhaps even have the toaster plugged in? Most people realize the importance of turning off lights in the home, but what about unplugging. You may not realize it but when appliances and other devices are left plugged into an electrical socket, they draw electricity. Therefore, by not only turning them off, but also unplugging them, you will be saving money.
How much can you save from just managing your appliances better? You could decrease your electric bill by as much as 25 percent in some instances. Big culprits are televisions, computers, and larger counter top appliances.
#2: Adjust The Temperature
Another big way to save money is to adjust the thermostat in your home. Did you know that you could reduce your heating and cool bills by as much as 20 percent by simply decreasing your heating temperature by two notches and by increasing your air conditioning temperature by two points? Do you feel the difference between 66 degrees and 68 in the summer, sometimes, but not by much. In the winter, what would the different between 64 degrees and 66? It may mean wearing an extra layer of clothing, but for a savings of 20 percent, it may be worthwhile.
#3: Know The Grocery Bill
While other expenses like your mortgage and utilities may be difficult to reduce, you may find it far easier to reduce your grocery bill. Perhaps you think that you are already doing so? Here are a few ways to reduce this large cost.
* Shop the outside aisles of the grocery store instead of the center. You get more healthy foods and less prepackaged products that cost far more.
* Consider store brands. The quality of store brands has risen in recent years. You may not notice the taste difference but you will notice the difference in the lower bill.
* Do shop the sales, but that is it. When something is on sale, this loss leader is a good bet. Stock up. But, avoid impulse buying during these trips. It could cost you. Moreover, use coupons on top of sale prices to pay half the price or less for the item.
#4: Bundle Services
Sometimes you can save a good deal of money by simply bundling your services. For example, your local cable provider may be running a special that allows you to get your Internet, cable service, and phone service for a fraction of the cost you are currently paying. Find out what special offers are available. Also, talk to your insurance agent and ask for discounts. By having multiple products through one provider, you may save considerably.
#5: Track Spending
Regardless of if the purchase is for the home or if it is for personal use, you should track what you are spending. While most people hate this word "budget" it is one of the best ways to know where your money is going and to help to reduce costs.
Go ahead and try out some of these methods. Chances are good you do not realize just how much money is going out the window in these areas.
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