Typically when it comes to financial advice you are told to create a budget, track spending, reduce unnecessary spending, and contributes more money to savings accounts. Sure that is great, and each person should follow, but there are a few ways that you can cheat even further to save a little extra money in your wallet.
Keep Large Bills in your Wallet
You will be less inclined to part with large denominations of bills, making you think about making the purchase in order to break the bill. When it comes to smaller bills, twenty dollars or less, you may think less about the aftermath of an empty wallet as you would spending the larger.
Reduce Cell Phone Data Plan
Not only will taking a GB or two off of your cell phone plan will save you money off your statement each month, but it will also keep you off surfing on your phone and leave you extra time to do other things around the house such as much needed cleaning, laundry, or taking the dog for a walk. If anything, it will make you use the WI-FI more often, still saving off your cell phone plan.
Clear Browsing History When Booking Hotels and Airfare
Believe it or not the amount of searches for particular hotel or airfare on a specific day can generate an internet buzz if you will, causing fares to increase due to the demand that you are creating. If you are going back to seek out new fares, make sure you clear your browser’s history so they do not see that it is you that keeps coming back to view.
Pay Attention to Your Thermostat
Programming your heating and cooling could save a substantial amount of money even shifting between a degree here and there. If you are not home you can set the thermostat up during the summer to borderline warm, and in the winter almost too cold…adjust to comfortable temps while you are home and falling asleep. Do not forget about trying to keep the windows open too!
Add Them Up!
If you do not believe that any significant money can be saved, try it and see the difference. Compare your utility bills from a year ago to this upcoming year and see the savings, it may surprise you. If you found great travel deals, brag to your friends!
Once you master the art of saving and not spending, then it’s time to actually do something useful with that money other than throwing it into a bank account that doesn’t earn any interest. If you can’t tell me, what does IRA stand for, then you should come back for my next post on putting your money to good use and preparing for retirement.