10 Ways to Save Money On Monthly Living Expenses (Cuts At Least $400 Off)

There are bookoos of ways to save money nowadays. By changing some of your spending habits, looking closer at your monthly expenses, and calling a couple of numbers on a monthly basis you can be one step closer to saving money for all the stuff you would like to have. I would like to share a couple of things that I have done to lower my monthly living expenses. I hope some of these tips will help you save a little extra money. My tips might be a little too extreme for people who can't live without cable and hate talking on the phone to bill collectors.

1. Switch your Internet service to AT&T. I pay $19.95 per month for my internet service.

2. Use 1-800-FREE-411 for all of your directory assistance calls. Instead of paying almost $5.00 for each time you are trying to get in contact with someone who may or may not be listed in the phone book. You will have to sit through a couple of phone commercials before you can get the number you need. I think it is still worth it though.

3. Use Voice Over Internet Phone Service with PhonePower. I pay less than $10.00 per month for my phone service (actually $8.83 per month). I have not had any complaints. It works just like regular phone service does. Try it you might like it. Free local and nationwide calls. You even get a couple minutes a month for international calls.

4. Refinance your mortgage. Call your mortgage company and ask about your refinancing options. I was able to cut $30 off of my monthly mortgage payment by doing this. That is $30.00 I am sending them in principal payment instead. Tip: refinance where possible (car, school loans, and credit card debt)

5. Take your breakfast & lunch to work. By taking your meals to work you won't have to buy breakfast meal from Burger King $6.00 (my fav is #1 Ham meal with small orange juice) and lunch from Wendy's $4.00 (my fav is double stack with everthing on it, biggie fry, 5-pc nugget, and a large water). Now I am able to maintain my weight and have hubby to prepare me a bowl of leftovers from the night before. It works for me.

6. Get married. Enough said!! Two incomes are better than one. (Disclaimer: Savings may vary depending on the person)

7. Use your local library as a place to check out movies and books. All you have to do is ask them to order the stuff you want and they can request it from the network of libraries and you will have it in a couple or days or so. This is a sure way to cut those entertainment expenses down.

8. Get yourself a television converter box & rabbit ears. Call your cable company and ask for disconnection of your cable. I mean you have the library and with a converter box you'll be able to get the basic channels anyway. You don't need all those extra channels because there is nothing ever on T.V. anyway.

9. Call your county tax collector's office and ask about the Homestead Credit. This is a credit for property owners to get $350 or more taken off of their annual property tax bill. If you live in Arkansas and own property you definitely want to check into this tax credit application.

10. Last but not least, Call your credit card companies on a monthly basis and ask them to lower your interest rate and tell them what a good customer you have been. You will be surprised at how well this works. Some of them will even tell you about special promotions that are available to you. Take advantage of the ones that cost nothing to you.

Bonus savings (Save Money on Doctor Bills):
11. Eat Healthy and Be active
12. Get your annual health checkup

Hope this information helps you. By using these money saving tips I am sure you will be able to save at least $400 - $600 per month. You'll thank me later.