Lowering Monthly Expenses

Most people wish they had more money.  You may not have the ability to earn more each month, but another way to increase cash flow is to spend less.  Here are some suggestions for reducing the amount you spend on utilities, groceries, clothes, entertainment and taxes. 

Finding Bargains Online - You can find some online shopping bargains if you want to save money and are willing to do some research.

Lowering Home Entertainment Bills - If your budget is tight, reducing your cable or satellite TV bill can be a quick and easy way to save some money.

Lowering Your Electric Bill - Save money by using less electricity.  Appliances have two price tags --– the purchase price and the operating cost that you pay each month. 

Reducing Heating and Cooling Costs - Here are some tips for reducing the money you spend to heat and cool your home.

Reducing Phone Expenses - Don't continue to mindlessly pay your phone bill each month.  Consider ways you can save money on your land line and cell phone.

Saving Money at the Grocery Store - If you're organized and disciplined, you can save some significant money at the grocery store.

Saving Money on Clothes - Saving money on clothes doesn't mean you have to sacrifice quality.  It just means you need to be a smart shopper.

Tax Saving Tips - Here are some opportunities for reducing the amount you pay in taxes each year.

Utility Payment Plans - Setting up a utility budget plan is an option for standardizing the amount of your monthly bill.