Flattening The Curve of Your Checkbook

51 random ways to lower your bills and expenses

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Photo by Damir Spanic on Unsplash
  1. Create a budget and stick to it.
  2. Refinance your mortgage.
  3. Call around and compare rates for auto, home, and medical insurance.
  4. Turn down the thermostat, or put it on a timer.
  5. Cook food at home.
  6. Downsize, downsize, downsize.
  7. Sell your vehicle and take public transit.
  8. Put 10% of your income into retirement.
  9. Eliminate your cable bill.
  10. Cancel subscriptions and memberships.
  11. Pay cash for your expenses.
  12. Turn down the thermostat on your water heater.
  13. Move to a less expensive area.
  14. Quit smoking.
  15. Set up automatic payments for recurring bills.
  16. Bargain shop.
  17. Update your cell phone plan.
  18. No impulse buying — wait 24–72 hours before making a purchase.
  19. Use mail order for your regular medications.
  20. Replace your light bulbs with LED lights.
  21. Eat leftovers.
  22. Cut up your credit card.
  23. DIY it.
  24. Maintain your car, home, and appliances.
  25. Stop or reduce dining out and take out.
  26. Find discounts through military, AAA, seniors, students, teachers, and employee.
  27. Get a roommate.
  28. Make coffee at home.
  29. Create and stockpile money for an emergency fund.
  30. Pay your bills on time.
  31. Defer your payments on major loans if money is tight.
  32. Make a grocery list before shopping — and stick to the list.
  33. Consolidate debt to a low interest rate.
  34. Pack a lunch.
  35. Price compare — Don’t pay full price when you can get it cheaper somewhere else.
  36. Take a short shower.
  37. Give yourself a mani/pedi.
  38. Fix the leaky faucet.
  39. Buy generic items.
  40. Have a ‘no-spending day’ once per week.
  41. Use the library.
  42. Clean out your closet.
  43. Sign up for the rewards program at a store you frequently shop.
  44. Look for free or low cost entertainment.
  45. Go for a walk outside.
  46. Double-check and take advantage of your company’s benefits and perks.
  47. Automate your savings.
  48. Donate your unneeded ‘stuff’ and get a receipt.
  49. Make instead of buying gifts for others.
  50. Buy staples in bulk.
  51. Most of all — be grateful for what you have, give to others what you can, and get rid of what you don’t need.

Written by

Advocate for Women / Editor of The Virago

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