5 Ways to Stop Spending Money.Try Now!

When it comes to unnecessary expenses, we’re all human. Which means while we all know it’s smarter to brew our own coffee at home than to stop at a coffee shop and it’s cheaper to take the subway rather than calling Uber, we sometimes can’t help spending money on things we don’t really need.

In addition to spending unnecessarily, we are also faced with bills that are larger and/or new in modern society. Remember when you could watch television without having to pay for it? Now, it’s difficult to get reception without cable or satellite. And before computers, cell phones, and Wi-Fi came along, we hardly had any costs associated with technology. That is an expense we all have to add into our budget today if we want to be connected.

There is good news though. It is possible to spend smarter and avoid everyday unneeded expenses. Check out our list of 5 ways to save money and avoid unnecessary leaks:

1.Eliminate home telephone service.  
With a reliable internet connection and at least one cell phone in your home, a land line is something you can probably do without. Products like magicJack connect a land line to your personal computer with a USB, allowing you to still be able to talk on the phone without paying premium rates. Skype is also a good web or application based alternative to a traditional land line. 

2.Check your auto insurance policy. 
When your insurance plan comes up for renewal, take the time to discuss your rate with your carrier. You may be eligible for discounts or lower prices. 

3.Review your cellular data plan. 
Review your monthly usage and your bill. Then compare that to what other plans may be available from your provider, as well as what other carriers have to offer. You may be able to save money on your monthly bills and still meet your data usage needs. 

4.Always shop with a grocery list. 
According to the Natural Resource Defense Council, U.S. families throw out 25 percent of the food and beverages they buy each year. That’s a lot! Prevent overbuying by creating a reasonable grocery list and sticking to it. And when you cook, if there are leftovers, put them in the freezer for a meal at another time. 

5.Use a programmable thermostat.  
If you currently don’t have a programmable thermostat in your home, it would probably be good to invest in one. Taking advantage of the features, like being able to program the temperature for different days and/or different times may help you keep your cooling and heating costs down.

Taking the time to research, be disciplined and give lots of attention to detail can really pay off in the long run. Making a few manageable sacrifices and modifications can change the way you live and how your budget looks. You will be glad you did! 

This post was republished from www.transamerica.com.
You can find the original post here. 

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