How to Save Money On Bills

Many of us need to save on monthly bills in order to keep up with the rising costs of living. Saving money always seems to be a difficult thing to do for many people because it takes a lot of self discipline in order to cut back on things that we take for granted. This might not be something that you would like to do but in most cases it would be responsible in regards to your personal finances. If you follow the steps below, you’ll be on your way to start saving money by cutting down on your bills.

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Difficulty: Moderately Easy

Instructions

1. 

   Brown bag your lunch -
   Instead of spending money everyday on buying lunch, make a sandwich at home or bring some leftovers from last night in order to save money. If you only spend $4 each day to buy lunch, this will quickly add up to $20 per week (for 5 workdays), which will add up to $80 a month. You can easily buy everything that you need to prepare a lunch at home from the store for less than $25 for the entire month. If you spend $4/day and work 5 days a week, this will add up to a staggering $980 that you would spend buying lunch yearly. Such a small change can add up to a significant savings of up to $680 for the year since you will spend $300 a year if you take your own lunch to work instead ($980-300=$680 savings).
   
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2. 

   Bring coffee from home to work -
   You can save money very easily by brewing your own coffee at home. If you buy only 1 cup of coffee per day at $3 per cup, this will add up to $15 a week, $60 a month, $680 a year. You can spend only pennies per cup brewing your own coffee at home. This is a great way to save money everyday without seriously altering your spending habits and lifestyle.
   
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3. 

   Increase your insurance deductibles -
   Insurance premiums are one of the major expenses that we have to deal with. One way to save money on your auto insurance is to increase your deductibles. If you haven’t had any claims, or not many, why not raise your deductible to save money every month. Another way to save is to only carry liability insurance if your car is not worth that much. That way you will be covered if you hit another vehicle but not for yours. If you are not a decent driver, than this money saving idea might not be your best option.
   
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[success79]

on 11/19/2009 Seems like a very effective formula to apply that will help to save money on bills. Nicely written article. 5***** Rec'd.