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20 Ways to SAVE Money and Stretch You Household Budget

20 Ways to Save Money

Household Budget TipsThese days, it seems like everyone’s looking for ways to cut costs and stretch their income further. Fortunately, there are some simple steps you can take to reduce your household expenses without making radical changes to your standard of living. When combined, these small adjustments can add up to significant savings each month.

 

 

Here are 20 things you can start doing today to lower your bills, secure better deals, and begin working toward your financial goals.

 

  1. Refinance Your Mortgage – For prime borrowers, mortgage rates are at or near historic lows. Depending on your current mortgage rate and the terms you choose, refinancing could save you a sizable amount on your monthly payments. There are fees and closing costs associated with refinancing, so you’ll need to talk to your lender to find out if refinancing is a good option for you.

 

  1. Evaluate Your Insurance Policies – If it’s been a while since you priced home or auto insurance, it may be worthwhile to do some comparison shopping. Get quotes from at least three insurers or independent agents. Try bundling your policies to see if there’s a discount. And inquire about raising your deductible, which should lower your premium.1

 

  1. Bundle Cable, Phone, and Internet – You can also save money by bundling your cable, phone, and internet services together. Shop around to see who is willing to give you the best deal. If switching is too much of a hassle, ask your current provider to match or beat their competitor’s offer.

 

  1. Better Yet, Cut the Cord on Cable – In many cases, you can save even more if you cancel your cable subscription altogether. An antenna should give you access to the major stations, and many of your favorite shows are probably available on-demand through a less expensive streaming service subscription.

 

  1. Revisit Your Wireless Plan – You can often save by switching from a big brand to an independent, low-cost carrier. If that’s not feasible, ask your current provider for a better deal or consider downgrading to a cheaper plan.

 

  1. Adjust Your Thermostat – Turning your thermostat up or down a few degrees can have a noticeable impact on your monthly heating and cooling costs. To maximize efficiency, change your filters regularly, and make sure your windows and doors are well insulated.

 

  1. Use Less Hot Water – After heating and cooling, hot water accounts for the second largest energy expense in most homes.2 To cut back, repair any leaks or dripping faucets, install low-flow fixtures, only run your dishwasher when full, and wash clothes in cold water when possible.

 

  1. Lower Overall Water Consumption –   To decrease your water usage, take shorter showers, and turn off the sink while you brush your teeth and wash your hands. All of our local Coachella Valley water agencies can provide assistance and tips for using less water and reducing your water bill here in the Palm Springs area. If you don’t have a low-flow toilet, retrofit your current one with a toilet tank bank or fill cycle diverter. And irrigate your lawn in the morning or evening to minimize evaporation.

 

  1. Conserve Electricity – Save electricity by shutting off your computer at night and installing energy-efficient LED light bulbs. You can minimize standby or “vampire” power drain by utilizing power strips and unplugging idle appliances.4

 

  1. Purchase a Home Warranty – While there is an upfront cost, a home warranty can provide some protection and peace of mind when it comes to unexpected home repair costs. Most plans provide coverage for major systems (like electrical, plumbing, and HVAC) and appliances (such as your dishwasher, stove, or refrigerator).

 

  1. Outsource Less – From lawn care to grocery shopping to minor home repairs, we pay people to do a lot of things our parents and grandparents did themselves. To save money, try cutting back on the frequency of these services or taking some of them on yourself.

 

  1. Prepare Your Own Meals – It costs nearly five times more to have a meal delivered than it does to cook it at home.5 And home cooking doesn’t just save money; it’s healthier, cuts down on calorie consumption, and can offer a fun activity for families to do together.

 

  1. Plan Your Menu in Advance – Meal planning is deciding before you shop what you and your family will eat for breakfast, lunch, and dinner. It can help you lower your overall food bill, eliminate waste, and minimize impulse purchases. When possible, buy produce that is in season, and utilize nutrient-rich but inexpensive protein sources like eggs, beans, ground turkey, and canned tuna.

 

  1. Plant a Garden – You can save even more on produce by growing it yourself. If you have space in your yard, start-up costs are relatively minimal. Gardening can be a rewarding and enjoyable (not to mention delicious) hobby for the whole family. And it could save you around $600 per year at the grocery store!6

 

  1. Review Memberships and Subscriptions – Are you paying for services and subscriptions you no longer need, want, or can utilize? Determine if there are any that you should suspend or cancel.

 

  1. Give Homemade Gifts – Who wouldn’t appreciate a scratch birthday cake or tin of cookies? And if you enjoy crafting, Pinterest and Instagram are full of inspiring ideas. Show your recipient how much you care with a homemade gift from the heart.

 

  1. Minimize Your Debt Payments – The best way to reduce a debt payment is to pay down the balance. But if that’s not an option right now, try to negotiate a better interest rate. If you have a good credit score, you may be able to qualify for a balance transfer to a 0% or low-interest rate credit card. Keep in mind, the rate may expire after a certain period—so be sure to read the fine print.

 

  1. Get a Cash-back Credit Card – If you regularly pay your credit card balance in full, a cash-back credit card can be a good way to earn a little money back each month. However, they often come with high-interest rates and fees if you carry a balance. Commit to only using it for purchases you can afford.

 

  1. Ask for Deals and Discounts – It may feel awkward at first, but becoming a master haggler can save you a lot of money. Many companies are willing to negotiate under the right circumstances. Always inquire about special promotions or incentives. See if they are able to price match (or beat) their competitors. And if an item is slightly defective or nearing its expiration date, ask for a discount.

 

  1. Track Your Household Budget – One of the most effective ways to reduce household expenses is to set a budget—and stick to it. A budget can help you see where your money is going and identify areas where you can cut back. By setting reasonable limits, you’ll be able to reach your financial goals faster.

 

 

Want more help getting a handle on your finances? Use the budget worksheet below to track income and expenses—and start working towards your financial goals today! Please reach out to me for a downloadable version.

 

HOUSEHOLD BUDGET WORKSHEET
  Expected Actual Difference
HOUSING
Mortgage/taxes/insurance or Rent
Utilities (electricity, water, gas, trash)
Phone, internet, cable
Home maintenance and repairs
FOOD
Groceries
Restaurants
TRANSPORTATION
Car payment/insurance
Gas, maintenance, repairs
OTHER
Health insurance
Clothing and personal care
Childcare
Entertainment
Gifts and charitable contributions
Savings, retirement, college fund
INCOME
Salary/wages
Tips and other
MONTHLY TOTALS
Total Actual Income
Total Actual Expenses
ADDITIONAL SAVINGS

 

 

WE’RE HERE TO HELP

We would love to help you meet your financial goals. Whether you want to refinance your mortgage, save up for a down payment, or simply find lower-cost alternatives for home repairs, maintenance, or utilities, we are happy to provide our insights and referrals. And if you have plans to buy or sell a home this year, we can discuss the steps you should be taking to financially prepare. Contact us today to schedule a free consultation!

 

 

The above references an opinion and is for informational purposes only. It is not intended to be financial advice. Consult a financial professional for advice regarding your individual needs.

 

 

Sources:

 

  1. Insurance Information Institute –
    https://www.iii.org/article/twelve-ways-to-lower-your-homeowners-insurance-costs
  2. Department of Energy –
    https://www.energy.gov/energysaver/water-heating/reduce-hot-water-use-energy-savings
  3. Money Crashers –
    https://www.moneycrashers.com/ways-conserve-water/
  4. Harvard University –
    https://green.harvard.edu/tools-resources/poster/top-5-steps-reduce-your-energy-consumption
  5. Forbes –
    https://www.forbes.com/sites/priceonomics/2018/07/10/heres-how-much-money-do-you-save-by-cooking-at-home/#2c53b2f35e54
  6. Money –
    https://money.com/gardening-grocery-savings/

 

 

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Moving to Palm Springs – 6 Steps to Make Your Move Easier and Smoother!

Moving to Palms Springs - 6 Tips to make your move to Palm Springs Easier.

Moving to Palm Springs California – 6 Steps to Make Your Move Easier! Thinking of Moving to Palm Springs?

We’ve helped lots of people move here and have suggestions to make your move to Palm Springs as easy and stress free as possible.

We want to make the Moving to Palm Springs and Buying in Palm Springs the best experience it can be. Follow this 6 Step Plan to make your moving to Palm Springs as smooth as possible.

Subscribe to my channel here: 👇👇👇👇👇👇👇 ✅http://bit.ly/SubscribeToNealsYouTube…

📲 Please feel free to reach out Day/Nights/Weekends whenever you want!

We never stop working for you!!

Neal Nussbaum Call/Text Direct: 760-895-1868

Email: [email protected] CA DRE #01872204 HomeSmart Professionals DRE # 01912687

Website: https://www.nealsellshomes.com

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Palm Springs Luxury Home Tour | Parc Andreas Palm Springs Neighborhood Tour

Palm Springs Luxury Home Tour Parc Andreas Neighborhood

Palm Springs Luxury Home Tour Parc Andreas Neighborhood | Living In Palm Springs CA
Want to see the Palm Springs Luxury homes in the Parc Andreas Neighborhood?
This video tours several homes in Parc Andreas and will also give you information about the neighborhood. Parc Andreas is a gated community in South Palm Springs. Most of the homes are behind gates, however a few of the homes are located on Bogart Trail and not gated. Most of the 144 homes in this highly desirable neighborhood were built in the 1980’s on large lots. Parc Andreas has both full time and part time residents.

 

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Casablanca Palm Desert Neighborhood Tour | Living in Palm Springs CA

Casablanca Palm Desert Neighborhood Tour
Take a video tour of the Casablanca Palm Desert Neighorhood. See Casablanca Condos For Sale.

Casablanca Palm Desert Neighborhood Tour | Living in Palm Desert CA | Palm Desert Condos For Sale

Take a Video Tour of the Casablanca Palm Desert Community! Contact Neal Nussbaum 760-895-1868 or Dean Parmer 510-812-3361 For More Information!
Take a Tour of the Casablanca Palm Desert Community with Realtors Neal Nussbaum and Dean Parmer.

CASABLANCA IS A RESIDENTIAL NEIGHBORHOOD IN PALM DESERT WITH 134 CONDOS. MOST OF THE CASABLANCA CONDOS WERE BUILT IN THE 1980’S. THEY ARE 2 AND 3 BEDROOM UNITS. MOST OF THE CONDOS RANGE FROM 1514 SQ FEET UP TO 1661 SQUARE FEET. MANY HAVE BEEN UPGRADED. CASABLANCA IS A GATED COMMUNITY WITH 4 COMMUNITY POOLS, AND 2 SUNKEN TENNIS AND 4 PICKLEBALL COURTS. HOA DUES NOW INCLUDE CABLE TV AND INTERNET. THESE CONDOS ARE GREAT FOR FIRST TIME BUYERS, SECOND HOME BUYERS AND INVESTORS. CASABLANCA HAS WELL MANICURED GROUNDS AND ALL THE UNITS HAVE CLOSE BY ACCESS TO THE POOLS AND SPAS. CASABLANCA IS CENTRALLY LOCATED IN PALM DESERT OFF OF HOVELY AND PORTOLA. IT’S JUST A SHORT DISTANCE FROM THE EL PASEO SHOPPING DISTRICT, THE RIVER AND THE EISENHOWER MEDICALLY COMPLEX IS ALSO CLOSE BY. LOCAL PUBLIC AND PRIVATE SCHOOLS ARE NEAR BY INCLUDING COLLEGE OF THE DESERT WHEN LOOKING AT GREAT HOME POSSIBILITIES IN THE GREATER PALM SPRINGS AREA, BE SURE TO CONSIDER THE CASABLANCA COMMUNITY!

Subscribe to my channel here: 👇👇👇👇👇👇👇 ✅ https://www.youtube.com/channel/UCPLaixHKuDKUpKSH4iccmIQ?view_as=subscriber 📲

Please feel free to reach out Day/Nights/Weekends whenever you want!
We never stop working for you!! Neal Nussbaum Call/Text Direct: 760-895-1868
Email: [email protected]
Website: https://www.nealsellshomes.com
https://www.nealsellshomes.com/category/livinginpalmsprings/
Follow us on Facebook: https://www.facebook.com/neal.nussbaum
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Stay tuned for more videos on living in Palm Springs.
Videos about living in Palm Springs: https://www.youtube.com/watch?v=7T0YjU63BZs&list=PLN5YWzxKlQ3IAmbtcuXywIxNthIoerEq5
Videos about community tours in Palm Springs: https://www.youtube.com/watch?=a4BMsMV8PkE&list=PLN5YWzxKlQ3IHh6F8Xkrik4iax2lN1ffW Videos about Videos on Palm Springs Real Estate: https://www.youtube.com/watch?=eCCX5ciXs&list=PLN5YWzxKlQ3KN8e5Tg2NWhimjC08kxUwg
More about Palm Springs https://www.visitpalmsprings.com
https://en.wikipedia.org/wiki/Palm_Springs,_California

Palm Springs, Palm Desert, La Quinta, Rancho Mirage and Desert Area Cities Homes and Real Estate For Sale. See Palm Springs Homes For Sale Videos and Palm Springs Condos For Sale Videos Here.
More information at www.NealSellsHomes.com
Find Information about Palm Springs Homes For Sale, Palm Desert Homes For Sale and the entire Palm Springs CA area.
Call Neal 760-895-1868

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The Secret Of Wealthy Home Sellers

The Secret of Wealthy Home Sellers by Neal Nussbaum

The Secret of Wealthy Home Sellers by Neal NussbaumEver wonder why two identical houses sell for entirely different prices? The truth is, similar homes sell for varying prices all the time. Surely there must be some reason! These houses do not sell for more money by accident. This book reveals secrets wealthy sellers use to command a higher price for their home.

I wrote this book to really break down all the way I sell houses for more money and help the owners net more money from the sale of their home.

In the process of selling, you will spend an incredible amount of time holding open houses and showings for potential buyers. Unfortunately, many are not interested in buying your home.

What are you waiting for? Get your free copy here

 http://nealnussbaum.realtybooksource.com/