The two main keys to savings are planning and commitment . Evaluate your largest expenses first, because those offer the greatest potential for savings. You’ll normally find such budget busters and mortgage and other home related expenses, transportation costs, and in some cases, health care costs and consumer debt can contribute to draining the monthly budget. Once you’ve determine where your larges expense categories are, you can figure out where you can pinch the most pennies.

Start at housing costs .  If you’re a renter , check out  moving to a less costly location, or, if you have the space, take in a sub-renter. Take a look at all the other expenses associated with housing, such as utilities, taxes, and insurance, too .

Many people save a ton of cash by changing television service, for example. Not only can you switch providers, such as exchanging telegram for DirecTV or Dish Network , but you can often negotiate a deal with your bourgeois by simply asking them . It’s true! In many cases you can save about 50% by simply asking them, or informing them that you’ll be taking your business elsewhere to take advantage of this or that special offer from a competitor.

One of the largest expenditures in many hot and cold weather says is for heating and A/C. You can help lower those by simply going around your home and finding any place where there is an air leak. Even if you simply go to the local home store and pick up a few cans of caulk and a couple rolls of weatherstripping, the effects can be major. For example, if you have only a 1/8” gap under a 36 inch wide door, that’s equivalent to having a 2 in square hole in your door. You would let that go unimpaired, would you? Of course not, and it is a major energy waster. Fixing such problems are an simple way to save money.

If you’ve ever looked at your power and gas bills, you have seen that in the colder winter months and the hot summer months (if you have A/C) your electric and gas bills increase significantly . You can assist the shock of this quite a bit. Set your thermostats back in the winter and up in the summer. Keeping your home at 64 in the winter and 76 in the summer can save you substantial money over keeping it at 68 or 70 year round, depending on the climate where you live. Obviously, people living in hotter and colder locales will benefit more from this technique.

Evaluate your appliances. Many says have programs that can get you substantial rebates to offset the cost of new, energy efficient appliances. These will lower your utility bills, and pay for themselves in short order. The largest energy users are refigerators, water heaters, dishwashers, and clothes dryers, so these will obviously be the ideal ones to replace with energy efficient units.

One place might people pay out massive amounts apiece and apiece month is consumer debt service . A current survey revealed that the average American family had $25,000 in consumer debt, mostly in the form of credit cards and automobile loans . Just servicing the debt can take a large bite out of your finances apiece month. The interest payment alone on $25,000 in debt, assuming only 12% interest (the average credit card interest rate is much higher, currently around 16%) is around $250, before any principle is paid. In addition, most credit card companies currently determine their minimum payment based upon 4% of the total outstanding balance, so you’d be paying a hefty $1,000 payment of the $25,000 was all credit card debt.

A great way to save money is to get the high interest credit cards transferred to lower interest cards or individualized loans. It is superior to eliminate credit card debt entirely, of course. The most common way to do that is using a debt consolidation loan, but while that can be effective, it can also be fraught with peril .

The mechanism such loans use to lower their interest rates is the fact that the new loans are secured by collateral . A secured loan represents lower risk for the lender, so they can offer a lower interest rate, and thus a lower payment, to the borrower. Unfortunately, the collateral used in these loans is typically the borrower’s residence. If the borrower fails to pay as agreed, the lender can take their home. So, even though a debt consolidation loan can save money, it is definitely not without risk.

Transportation expenses represent another large savings opportunity for most people . The first place to look is at the automobile itself . Is it draining you emotionally and financially apiece month? This can easily be the case with either a newer or older vehicle. Used cars are typically less costly to purchase and insure, but can clobber you with ongoing maintenance costs. Newer vehicles, on the other hand, might substantially lower maintenance costs, but cost much more in depreciation, debt service, insurance, licensing, and the cost of the automobile itself.

Many people try to save money by skipping maintenence on their vehicles. Even though this will doubtlessly save you money in the short term, it is a recipe for disaster. Have you checked auto repair prices recently? . Modern cars are very dependable, but they are also incredibly costly to repair. Regular maintenance is essential to protect yourself against a sudden repair bill. Typically, your warranty is contingent upon regular maintenance. In many cases, unfortunate to follow the manufacturer’s suggested maintence schedule will void your warranty .

In addition to the automobile itself, take a look at your auto insurance . Are you getting all the discounts to which you are entitled? Most insurance companies will offer you discounts for such things as insuring multiple cars with them, insuring your home, business, and car, or completing a defensive driving course. You should also shop around and compare automobile insurance rates from different insurance companies. Different companies assess risk factors, such as automobile type, distance driven daily, driving record, area of residence, and so on, differently. They have different areas of specialization, so your situation might be priced lower by a different company.

Finally, one thing that everyone has to do is eat, so saving money on food is one are that helps virtually everybody. There are some simple strategies that can save you large money on food apiece month. For instance, brand loyalty can get expensive. In many cases the same kind of food is prefabricated by a single producer, the repackaged to be sold under many different brand names. Insisting on a certain brand can easily cost more money. Be flexible, and purchase what is on sale. Here is another tip. Many areas have warehouse food stores. These are large places, filled to the brim with just about any imaginable foodstuff. Even though they have many of the same brands and foods as the major super markets, and in some cases even more, their prices are up to 60% lower on the same foods. If you have such as warehouse food store in your neighborhood, find it and shop there. If you don’t you’re costing yourself money apiece month.

We often take it for allowed that jumbo or family sized packages are less costly on a per unit basis. While in many cases this is true, it is not true all the time. When it is not, you purchase more than you need, and pay too much for apiece ounce / gram / pound / kilo/ quart or liter of it. The next time you’re about to spring for the jumbo sized whatever , take the time to look at the attach and see what the price per unit is. You might be surprised .

These are just some simple ways to save money apiece month. If you follow them all, pretty soon you’ll have more money than you thought possible. Happy saving !

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www.cma1.ca Low Interest at 4.75% guaranteed for 36 months… for Canadians There are thousands of people who visit the Canadian Money Advisor website who are looking to save money on their credit cards. The ideal way to do this, in my opinion… is to search and find credit cards that have the lowest interest rates in Canada. The CapitalOne Low Rate Platinum MasterCard® has an interest rate of Prime + 1.75% At today’s rate THAT’S ONLY: 4.75%. That’s right: 4.75%. And, the ideal part is you’ll be Guaranteed that low interest rate for 36 months! That’s nearly unheard of with Canadian credit cards Here’s some of the benefits that you’ll receive: No Annual Fee Balance Transfers at 4.75% Buys at 4.75% Think of how much money you’ll save with these low low rates! And you might be asking yourself… What’s the Catch? There’s no catch really… But in order to be eligible for the Prime + 1.75% Platinum Mastercard, you need to have really good credit. I don’t know the exact details on what CapitalOne requires as good credit… but I do know that if you don’t have perfect credit, there are still Low interest credit cards with the Prime Plus formula that might be right for you. To find out more… visit www.cma1.ca The CapitalOne Low Rate Platinum Mastercard is definitely a great way to save money with your credit cards.
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