1. Start and vegetable garden and plant your favorites. Some easy vegetables to grow are tomatoes, bell peppers, cucumbers, carrots, and spinach.
2. Buy all your household items and groceries in generic. You will save a lot more money without giving up much. Most of the time generics is just as good as the brand names.
3. Get a library card, and get books, movies, music and magazines for free. You also get free access to the internet and a nice quiet place to read.
4. Change all of your incandescent bulbs to LED or CFL bulbs, they last longer and will save you over time.
5. Cancel your home phone service and use your cell phone, or get a cheaper VIOP phone service.
6. Refinance you mortgage. If it is possible to reduce your interest rate by one percent or more, use a refinance calculator to determine if refinancing will save you money over time.
7. Plan your meals according your weekly grocery circular. Doing this saves time and money and you don't have to worry about what to cook.
8. Drive your car for as long as you can. Once you paid off your car, you can start banking that extra money.
9. For cheap movie rentals find a Redbox vending machine near you. Their movie rentals are only 1 dollar a night.
10. Save money by not reducing your paper towel use. Use cloth napkins or wash cloths instead.
11. Shop at the dollar stores. They have most of the household items and some groceries you need for cheaper.
12. Make your own household cleaning products and laundry detergent. You can find simple recipes online.
13. Bring your leftovers to work for lunch.
14. Instead of spending money eating out and other entertainment, invite your family and friends over for game night, cookout, or potluck
15. Reduce your internet speed, and stop overpaying for the faster service.
16. Save money from bundling your cable, internet, and phone bills.
17. Stop getting a refund check. Increase your exemptions on your W-4. Check the IRS website to calculate the number of exemptions and get more money throughout the year to break even.
18. Get a high interest online savings account and let your money work for you.
19. Stop paying for bottled water. You get the same water at home from your faucet. Invest in a filter for your faucet or your water pitcher.
20. Do not finance your mortgage for years. You will save thousands in interest by financing for 15 years or less.
Have bills an expenses you're not sure how to pay? Saving money on bill and expenses is easy!
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