9. Clip coupons
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No newspapers lying around? No problem. Head on over to a website like Coupons.com, which is perhaps the largest source of manufacturers’ coupons. You can redeem them by printing them out and taking them to the store, or you redeem them electronically using a store loyalty card or Coupons.com’s free app.
If you prefer electronic savings, also check out free apps like Ibotta, which offers cash rebates. To learn more about it, see “Earn $50 in Cash Bonuses This Month With Ibotta Mobile App.”
10. Call your car insurance company
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Inquire about any discounts that may be available. Also, raising the deductibles on your auto or homeowners insurance will drop your premiums. Just be sure you have money in savings to cover your increased out-of-pocket expense in case you have to file a claim.
11. Decrease your energy consumption
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Reach out to your utility company to schedule a free energy audit of your home. Also, unplug any chargers or appliances that are not in use.
Set the thermostat a little higher in summer to cut your air conditioning bill. Lower the temperature in winter and layer up on clothing. Also, consider hanging your clothes on a clothesline to give the dryer a break.
12. Don’t use your credit card
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A high interest rate can greatly increase the cost of things you buy with your credit card if you don’t pay off the balance in full each month. Hide the magic plastic so you don’t increase the amount you owe on the card.
13. Disconnect the cable
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Freaked out by this suggestion? At least shave off the extras and try online television instead. Also, inquire about any discounts on bundles for which you may be eligible.
Switching from cable to online TV enabled Money Talks News writer Geof Wheelwright to cut his monthly TV costs from more than $100 to $45.30. See his article “How to Cut the Cable TV Cord in 2017.”
14. Skip the spa
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It’s always great to pamper yourself, but it can also add up quickly. My last spa visit, which consisted of a manicure, pedicure and massage, cost well over $100.
15. Iron your own clothes
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You can iron shirts and blouses, can’t you? No need to pay a professional unless an article of clothing truly requires professional handling by a dry cleaner.
16. Call your cellphone provider
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If the provider isn’t willing to reduce your monthly bill, switch providers or get a prepaid plan. Also, check out the free or steeply reduced price options. They do the job just as well as the big boys. I know from experience.
17. Track your expenses
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The simple act of paying attention to all of your daily expenses may be motivation enough to spend less. Join a free expense-tracking service like PowerWallet, then check in daily to see where your money’s going. PowerWallet will automatically send you money-saving coupons based on what you’re buying, too.
For more inspiration for getting expenses under control, check out “Reach Your Goals Without Making a Budget.”
18. Pick up some free cash
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Does your employer match retirement contributions? If it does but you have yet to take advantage of the full match, add another $100 to your 401(k) and your account will get a free $100 from the boss.
For more guidance, see “Ask Stacy: How Much Should I Contribute to My 401(k)?”
What costs could you cut or what leaks in your finances could you plug? Share with us in comments below or on our Facebook page.
Kari Huus contributed to this post.
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