If you wish you had a bit more money to save or spend each month, you’re definitely not alone. Most of us dream of having a bigger gap between our income and our outgoings. If there isn’t a possibility of boosting your income in the foreseeable future, you can widen the gap by reducing how much you spend. If you’re keen to add to the family funds with minimal fuss, you’ve come to the right place.
Saving money on food
The average couple in the US spends more than $430 per month on food. If you’ve got children, you can increase this sum significantly. Even if you’re a frugal shopper, there’s no getting away from the fact that you probably spend a significant percentage of your salary on feeding the family. We all need to eat, and thankfully, there are some ways of bringing grocery bills down. If you like to visit the store, always make a list first, and be disciplined when it comes to offers and deals. If there’s a promotion on products you normally buy, that’s great. But don’t be lured in by discounts on things you don’t need. Plan a menu and buy the ingredients you need for those meals, and make full use of your freezer. If you’re buying items like pet food, the price can vary hugely between stores, so compare prices online before you go shopping. If you’re pushed for time, and you want to save money, online shopping is the way forward. You can do it from the comfort of the couch, you don’t have to waste time in traffic, and there’s a visible running total on the screen, which will save you from overspending. For more helpful grocery shopping tips, check out http://time.com/money/3481381/save-on-groceries/.
Spending less on TV and broadband
If you’ve been with the same TV and broadband provider for as long as you can remember, you may be paying more for less. The best offers are almost always reserved for new customers, so do some research online, and see what kinds of deals are available if you choose to switch. If you have digital TV, a home phone, and broadband, take a look at sites like http://www.verizonfiosdeals.com/double-plays.html. Buying a bundle rather than separate services can save you a lot of money. If you have hundreds of channels that you never watch, it may be worth downgrading your TV package in exchange for a lower monthly premium.
Reducing insurance costs
Most adults have a number of insurance policies. Next time your home, vehicle, pet or health insurance is up for renewal, don’t automatically continue your policy. Instead, take 2 minutes to search online, and you’re likely to find better offers. If you change provider on a regular basis, this can contribute to huge savings throughout the year.
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If you have a family, life can be very expensive. Often, making minor changes can have a massive impact on your monthly budget. Hopefully, you’ll find that these simple steps will give you more disposable income without any fuss at all.