We all love spending money on fun activities, but occasionally household expenses get in the way, and there isn’t enough money left over after everything has been paid to really enjoy yourself. Don’t worry; there are plenty of methods you can employ to save money around the house, and each one will offer you additional cash to spend or put into a savings account for a rainy day. Read on to find out more.
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Renegotiate
If you’ve never missed a payment and your finances are in excellent shape, you may be able to renegotiate and obtain a better deal, whether you’re renting or paying off a mortgage. If you have a mortgage, your first contact should be your bank or lender – attempt to negotiate a lower interest rate or shorten the duration of the mortgage so you pay less interest on the transaction.
If you’re a tenant, there is no harm in getting in touch with your landlord (assuming you’re on good enough terms). While you are unlikely to get a rent decrease – although in some cases this might be possible – you may be able to negotiate a better deal with utilities included, for example.
Spare Coins
Spare change can quickly build up, so instead of leaving it lying about the home and losing it, collect it and put it in a jar. Keep the jar by the side of your bed so you don’t forget about it, and when it’s full, get the coins converted into bills or pay them into your bank. You’ll be amazed at how much there is!
Change Energy Providers
Most people stay with their current energy providers because it seems difficult to transfer to another, even if it means saving money. It’s not actually as difficult as some people might think, and in many cases, you can ask your new provider to deal with your old one and switch everything over for you. You will barely have to be involved.
Even if you don’t want to change suppliers, or you’re already paying a low amount, you can monitor how much you’re spending on an app – knowing this will keep you on your toes and remind you to turn off lights and laptops and anything else that might be drawing energy. Sometimes something that’s costing too much might simply need a repair, and that’s why someone like a 24 hour AC service expert will be helpful.
Consider Going Paperless
Did you realize that you are being charged every time you get a paper statement or invoice from a bank or supplier? Check their terms and conditions to check whether it’s stated there. You are also charged if you pay by check or any other method other than online. Set up a standing order for the payments, or pay online (it’s secure). You’ll save money.
Make Use of Your Food
How much food do you throw away every week? How many times have you gone to the shop to get supplies because you thought you were out, only to discover that there is another jar, pot, or bottle of whatever you purchased sitting in the back of the larder? Far too many times is probably the answer. This all costs you money. Make an inventory of everything you have in your cabinets, fridge, and freezer. Then you can arrange your future meals around what you currently have on hand. When you’ve finished everything, you can restock.
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