Here are 21 ways you can save:
Shop around for lower insurance costs
Make a shopping list before grocery shopping and seek out deals beforehand
Limit or eliminate your use of credit cards and other debts
Eat most meals at home
Create an eating out budget if you frequently dine out
Reduce or eliminate services such as premium channels and cell phone features
Look for local restaurants that offer great food for a fraction of the cost
Consider using employer spending accounts for dependent and medical expenses
Seek steals and deals through coupons, internet deals, and discounted gift cards.
Contact creditors to determine whether interest rates could be reduced
Determine how to reduce your electricity bill
Limit impulse shopping
Limit unnecessary travel to reduce gas costs
Only purchase what you can afford
Delete one expense and treat yourself as a bill
Consider do it yourself projects around your home
Place a limit on entertainment and discretionary costs
Review expenses to see what has drained your wallet and do reduce your costs
Avoid late fees by getting into the habit of paying your bills on time
Discuss your budget with your family members and get them on board
Consider saving the extra money from these tips to build an emergency fund
Kemberley Washington is a certified public accountant and writes a blog at Kemberley.com. Check out her book, The Ten Commandments to a Financial Healing or her financial planner on Amazon.com!