Even if you have a secure, rewarding full-time job, you might have to get creative to make ends meet with the rising cost of living. Whether you’re a single adult just starting your career or a busy working mom with three growing kids, you can implement some of these ideas to lower your bills and save more of your hard-earned dollars.
Examine Your Statements
This might sound like a simple tip, but many people don’t actually know what they are paying for. Services like electronic billing and automatic debit make life easier, but you still need to carefully examine what you are being charged for. Whether you receive your statements in the mail or via email, take the time to carefully review every bill you receive this year. Look for overcharges or extra fees, and investigate whether or not you really need the services you’re paying for. If you’re currently paying for extraneous features or services, contact the companies to trim down your plans.
Find New Options
Remember that there’s almost always other options when it comes to home services and other necessities. If your cable bill keeps increasing, check out streaming services or other entertainment choices that are more budget-friendly. It’s also helpful to compare prices among various service carriers. Speak to an insurance agent near you to compare policy terms and rates and make sure that you are getting the most from your homeowners and automobile insurance policies.
Just Ask
Finally, you might be able to reduce your bills simply by asking for a discount or lower rate. It’s easier for a company to keep current customers than it is for them to attract new customers. When you contact a company, remember to be both polite and professional. If you are kind and understanding, an employee will want to do more to assist you. Try to mention the positive things you like about their service, but let them know that their rates are too high for your budget. You might be surprised by the discounts you can receive simply by asking in a polite manner.
Regardless of your current income level, it’s always helpful to have a little more cash on hand. Give these three tips a try, and save money while still living the type of life that you enjoy.