Every month you get a water bill. When you create your budget you allocate a certain amount for it. While paying a utility bill like the water bill is inevitable, paying so much is not. You would think that you can save on things like a car and clothing, but not on water. But you can also save money on your monthly water bill. Let me tell you how.
- Turn it off. You can conserve water by turning the water off when you’re lathering up in the shower, shaving, brushing your teeth or doing the dishes. Only turn it on when you need it and turn it off when you don’t.
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Car insurance, we all need to have it. It’s one of those added expenses that you are required by law to have.
There are two ways of thinking as far as insurance goes. You make sure you are heavily insured so that any vehicle damage and personal injury is covered. The other way is you get covered for only legally required minimum and save your money.
If you’re reading this post then you most likely want to find ways to lower your car insurance and not be heavily insured so I’ll go over some tips to save money on your auto insurance.
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Water heating is often an overlooked expense. Here are four ways to lower your water heating bill.
1. Get a new model – Buy an energy efficient water heater. Look for the ENERGY STAR and EnergyGuide labels on new water heaters.
2. Lower temperature – Easily reduce your water heating costs by lowering the thermostat setting on your water heater.
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While you are awake at home set your thermostat as low as is comfortable in the winter. Turn it down further while you are asleep or away from home. Turning your thermostat back 10° – 15° for 8 hours, you can save about 5% – 15% a year on your heating bill.
Additionally, set your thermostat as high as is comfortable for you in the summer. Keep your house warmer than normal when you are away and only lower the thermostat setting when you are at home. This will lower your cooling bill.
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Often times when it comes to spending and cutting back we think of “big ticket” items like a vacation, a new car or a new TV. But you can really make a difference in your budget by making minor changes to your monthly bills. This is where minor changes can really add up. Here are a few things you can do..
- Check your cell phone plan and see if you’re on the best plan for your current usage. Downgrading a plan to a lower one results in $10/mo change ($120/yr or $600 every 5 years). Remove add-ons like a protection program or roadside assistance. You’ll rarely if ever use these.
- Air conditioner / heating usage. You can make sure you close all your windows and seal them up as good as possible. You can turn it on for a 30 minutes then leave it off for a while, then repeat the process as needed.
- Happy hour. If you eat at restaurants from time to time, go during happy hour. At most places, appetizers are half price and this can really add up in the long run.
- Driving. You waste less gas on freeways than on streets, so find the quickest route to the freeway possible. Go anywhere between 50-70 mph without accelerating and decelerating too much for better gas mileage.
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