Free Cost Cutting & Savings Tools For The Budget

Cutting the Cable

We all feel the crunch when TV costs (whether they are Cable or Satellite TV ) give the first two years at a certain price.  When the first introduction time comes to an end, often we find that the bill doubles, sometimes triples; thereby, causing number crunching in your monthly budget.  Call your TV provider and see if there are ways to decrease your bill per month. Most times, these companies run additional two year specials that can reduce costs. You can also delete channels that are never watched (dependent on company). Remember, they will work with you to keep your business.

Go to MyRatePlan and you can find the best service for your area to negotiate if needed.

Cut the Phone Cord

These days, who does not own a cell phone? There is much competition out there with cell phone companies. Cell companies will help you figure out how to save money by figuring out data and voice time, the number of phones on your service plan, and other items that will make up your bill.  Ask questions like; “how much do I have left on paying for the phones?” and “how much is left on my contract before I can upgrade?”. With the unlimited plans, make sure that these are feasible for your budget, often these may cost you more money than what you may want or need to pay.  Call your cell phone provider and let them know that you need to cut costs and let them help you find the best plan for your budget.  If your contract is close to ending, sometimes looking at another provider may be feasible, but beware that these may be introductory for the first contract and costs may creep up without your knowledge.

Go to MyRatePlan and you can find the best service for your area.

Easy Things You Can Do

No matter where you live, there are additional simple cost cutting tools you can take advantage of:

Energy Efficient Light Bulbs or LED Bulbs

Home Automation and Timers

Check out this Groupon Deal for Home Automation-

Thermostats – to increasing your temperature (AC) and decreasing your temperature (heat) when no one is home.

Shades – When it is cold outside, open up your curtains and blinds to allow sunlight in your home to keep warm, and close during summer months to keep your home cool.

Utility Budget Plans

Budget plans for electric, gas, water (if city), as well as propane and oil heating.  These can be obtained only after you have been in your home after the first full year of service.  These will help you know how much you are paying out each month, instead of guessing from month to month how much you will be spending. Consider using other utilities such as Solar. We went with Solar City and cut our electric bill in half even though it was already low.

Go to Choose Energy and find the services that fits your budget.

Check your local Chamber of Commerce or City Website. Cities will often promote the local utility competition in your area.

Savings Account

               Many banks allow customers to link savings accounts to existing checking accounts.  Sometimes banks have what is called “Ways to Save” type savings accounts linked to checking accounts. These accounts allow customers to pay bills, buy groceries, etc., and every time the debit card is used, a certain amount is sent to the “ways to save” savings account.  When having these types of accounts, you will need to make sure that in your budget is accounting for these funds being taken out of your checking account. You will also be allowed to transfer a certain amount (dependent on the bank) each month into that savings account.

We use Wells Fargo Way2Save but you may want go to MyRatePlan Bank Accounts and find the best plan for you.

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