Tips To Lower Your Monthly Bills

Finding ways to reduce expenses isn't always easy. But with some planning and creativity, you may discover surprising ways to revise your budget and lower your monthly costs. Try tracking your spending for several weeks, then prioritize needs and wants. Use this information and these tips to save on major expenditures.

Mortgage
If your mortgage payment is too high, think about moving to a more affordable home. You can also explore additional options, such as raising the deductible on your homeowner's insurance policy or bundling your home and auto insurance.

Utilities
Ask your cable, internet and cellphone providers for their best promotions. Research other utility options and switch to low-cost alternatives whenever available.

Transportation
If it's practical, consider using public transportation. Refinance or trade in your car for a less expensive model. Look for a better deal on car insurance, and be sure to request all available discounts.

Food
Shop weekly grocery promotions, and buy only as much produce as you can use before it spoils. Cook at home more often and prepare enough food to save for leftovers.

Entertainment
Audit your streaming, subscriptions and other memberships for redundancies or little-used entertainment services.