These days, it seems like everyone’s looking for ways to cut costs and stretch their income further. Fortunately, there are some simple steps you can take to reduce your household expenses without making radical changes to your standard of living. When combined, these small adjustments can add up to significant savings each month.
Here are 20 things you can start doing today to lower your bills, secure better deals, and begin working toward your financial goals.
Want more help getting a handle on your finances? Use the budget worksheet below to track income and expenses—and start working towards your financial goals today! Please reach out to me for a downloadable version.
|HOUSEHOLD BUDGET WORKSHEET|
|Mortgage/taxes/insurance or Rent|
|Utilities (electricity, water, gas, trash)|
|Phone, internet, cable|
|Home maintenance and repairs|
|Gas, maintenance, repairs|
|Clothing and personal care|
|Gifts and charitable contributions|
|Savings, retirement, college fund|
|Tips and other|
|Total Actual Income|
|Total Actual Expenses|
WE’RE HERE TO HELP
We would love to help you meet your financial goals. Whether you want to refinance your mortgage, save up for a down payment, or simply find lower-cost alternatives for home repairs, maintenance, or utilities, we are happy to provide our insights and referrals. And if you have plans to buy or sell a home this year, we can discuss the steps you should be taking to financially prepare. Contact us today to schedule a free consultation!
The above references an opinion and is for informational purposes only. It is not intended to be financial advice. Consult a financial professional for advice regarding your individual needs.