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7 Ways to Save Money without Making Big Sacrifices
INTRO:Saving money doesn’t have to mean making big sacrifices. While it can be tempting to cut back on important expenses like transportation, groceries and entertainment in order to save money, these cuts can make it difficult to live your everyday life. Instead of putting yourself in a bind, use these seven tips to save money without having to cut back too much on your quality of life.
1) Downsize your home
Let’s face it: Real estate is expensive and there’s no sign of prices dropping anytime soon. If you want to improve your finances, move into a smaller home, whether that means relocating to a less expensive city or condominium, downsizing your house, or moving into an apartment. No matter what kind of housing situation you live in now, there are ways to downsize—and keep costs down—with minimal pain involved.
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2) Drive less
We Americans love our cars, and that means we drive more than anybody else in the world. In fact, one of every 10 gallons of gas pumped in America is burned by a driver going somewhere other than work. Drive less often and you’ll save money.Rephrase
3) Compare phone and cable plans
Looking for new phone or cable plans? Start with a search engine like Google, and make sure you check out customer reviews on sites like Yelp and Angie’s List before signing up. You can also ask friends and family for suggestions—they might have personal recommendations or be able to point you toward local providers who give service at reasonable prices. If all else fails, stop by your local government website for info on local providers in your area (where applicable).
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4) Consider a no-contract cell phone plan
A lot of people sign up for a big phone plan because they think it’s cheaper in terms of overage charges and taxes, but that’s not always true. A no-contract plan might cost $5 more per month, but it could save you hundreds over two years. Think about what you use your phone for, and then choose a service plan that reflects your actual usage patterns.
5) Get rid of debt as soon as possible
Without a doubt, getting rid of debt is one of the most important steps you can take to start saving. If you have loans or credit card bills—and especially if you’re paying high interest rates—you’re effectively working to pay off someone else. Pay them off as quickly as possible and your savings will start increasing almost immediately. You should also consider saving more when you are debt-free, because that’s when it will be easiest.
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6) Stop eating out every day
It’s easy to justify $10-15 every time you go out for lunch with coworkers. But over time, these splurges really add up. Instead of going out each day, try packing your own lunch and eating in your car, at your desk or outside when it’s nice out. It won’t be as fun but you can save hundreds of dollars a month by making small changes like these.
7) Buy generic brands only when necessary
Buying generic brands over name-brand items can save you money, but only if you’re not buying a product in which quality really matters. When it comes to things like paper products and cleaning supplies, generic brands may be cheaper—but they aren’t better. So if it’s important that your trash bags are durable or that your floor cleaner really disinfects, always opt for name-brand items instead of generics.
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