Every year expenses creep up. We’re using more services, the cost of food and other goods continues to go up, and life is simply becoming more expensive. Most people don’t take the time to do a quick personal audit to see where they are paying more than they need to, or where expenses could be cut all together.
A quick 5 minute analysis can identify areas where huge savings could be found — so that more of your hard earned money stays in your pocket.
Read through each item on the list below to see just how much you could save…
#1 – Reduce Your Electric Bill Each Month
Next to monthly housing payments, heat and electric bills are often the biggest expense around the home. Here are a few ways to slash electric bills with just a little bit of planning…
- Unplug Everything: Did you know that appliances and electronics continue sapping electricity as long as they’re plugged in, even when their switches are turned off? Making a habit of unplugging these items when they aren’t in use saves a lot of energy over time. This includes computers, TVs, the toaster, hair dryers and phone chargers.
- Use energy-efficient light bulbs: Replace all of your incandescent bulbs with compact fluorescent bulbs (CFLs) or LED bulbs. Incandescent bulbs release most of their energy through heat, rather than light. Newer bulb styles are much more energy efficient, and they save a lot of electricity and money over time.
- Use Smart Technology: How many times does the TV get left on with nobody watching it? Use timers and smart outlets to automatically turn off items at designated times or after a certain amount of time of inactivity. Smart thermostats can also make your home more energy efficient by automatically adjusting the temperature when you’re away.
These things may seem small, but small amounts of energy over time can create big bills! Often times electric bills are made up of a lot of unnecessary usage — and that’s money that could be better spent elsewhere (or put back in your pocket).
#2 – Bump Up Your Car’s Fuel Economy
Did you know properly inflated tires can improve the fuel economy of a vehicle by as much as 3.3 percent
The average car has a fuel economy of 24.7 miles per gallon. If you increase that by 3.3 percent, that’s an annual cost savings of $193 just for having the right amount of air in the tires!
That may not sound like a lot, but remember… small amounts of savings here and there can quickly add up to big amount of savings by the end of the year. Likewise, a lot of little expenses can add up to big monthly bills.
#3 – Refinance With The Government’s HARP Program, Receive $260/Mo Off Your Mortgage
Still unknown to many is a brilliant Government Program called the Home Affordable Refinance Plan (HARP) that could benefit millions of Americans and reduce their payments by as much as $3,120 per year! You could bet the banks aren’t too thrilled about losing all that profit and might secretly hope homeowners don’t find out before time runs out.
So while the banks happily wait for this program to end, the Government is making a final push and urging homeowners to take advantage. This program is set to expire in 2020, but the good news is that once you’re in, you’re in. If lowering your payments, paying off your mortgage faster, and even taking some cash out would help you, it’s vital you act now.
#4 – Get Solar Panels
Warning: Do not pay your next energy bill until you read this…
This is the 1 simple truth your power company doesn’t want you to know. There is a new policy in 2020 that qualifies homeowners who live in specific zip codes to be eligible for $1,000’s of Government funding to install solar panels. Has your power company told you that? Of course not. They hope homeowners don’t learn about this brilliant way to reduce your energy bill tremendously!
When homeowners check whether they qualify many are shocked that subsidies and rebates can cover a lot of the costs associated with installation so it greatly reduces the amount you’ll have to pay. Many may qualify for $0 down! Soon, you could be on your way to significantly reducing your electric bill in a matter of weeks.
Smart homeowners are setting out to do their own research and determine whether this new program lives up to its reputations. Over and over again, many are reporting back on their findings, with the most exciting part being that they are now able to save $1,000s a year on their own energy bill.
#5 – Never Pay For Home Repairs Again
Still unknown to many is a brilliant Home Warranty Program called the Total Home Warranty that could benefit millions of households and help them never pay for covered appliance failures, furnace breakdowns, electrical issues and so much more! You likely have homeowners insurance, right? A Home Warranty Plan is similar to a homeowners insurance plan, but it actually covers many things that an insurance plan won’t like a broken refrigerator, a broken furnace or an electrical malfunction on a ceiling fan.
Often times, new homeowners are offered a 1 or 2-year home warranty plan when they purchase a home. This is generally a huge plus for the home buyer because it takes away the stress of having to pay for likely issues that might come up during the first year or two of owning the home. Issues such as a broken refrigerator or dishwasher aren’t fun to deal with. Or how about a broken furnace or air conditioner? These would likely cost $1,000s of dollars to fix!
Luckily, homeowners now have the option to get a home warranty plan anytime after they bought their home. Even if you’ve lived there for 20 years, you can still get your own home warranty plan that will cover the cost of many unforeseen home repairs!
#6 – Special “Window Replacement Program” Helps Homeowners Get New Energy-Efficient Windows
Anyone that has gone through the experience of getting new, energy-efficient windows knows what a difference it can make. New windows keep the home toasty in the summer, cool in the winter, and let’s face it – they make the house look great and can increase the home value too! But these benefits don’t come without a big cost – or least that’s how things used to be, but not any more!
Thanks to this brilliant windows comparison website homeowners should never have to pay full price for windows again.
The site allows homeowners to get the best price on new windows by getting the top licensed and insured vendors in your area to compete for your business. As a result, homeowners can often secure new windows and installation “below-cost” and at prices not available to the general public.
#7 – Use This Debt Payoff Plan
Here’s what credit card companies don’t want you to know…and what thousands of consumers are quickly learning about paying off their debt:
If you owe more than $20,000 in credit card debt, this proven debt relief program may reduce the amount you owe. Consumers could resolve their debts with absolutely no loan required and pay it off at a rapid pace. If you’ve struggled to pay your credit card debt, act now before your debt balloons further.
#8 – Protect your family – tax-free! $250,000 in life insurance to protect your dearest!
Unfortunately with every year you get older your insurance premium cost rises 8-10%. For U.S. citizens, ever increasing life insurance policy costs can add up significantly. What’s worse is the fact that many people have a hard time qualifying for new policies altogether once they reach a certain age.
Fortunately though, there is a way to get a cheaper life insurance policy by comparing quotes from multiple insurance companies. This website will let you find your cheapest insurance quote totally free! They will review your information automatically to find the best life insurance policies available for a much much lower price. You may end up saving up to 70% on your life insurance policy.
#9 – Get A Lower Car Insurance Rate And Save Up To $546 Per Year
You might think you’re already paying a low auto insurance rate, but recent research shows that only 5% of Americans over the age of 40 are paying less than $50 per month for car insurance. If you’re currently paying more than $50 per month, and have had no accidents or tickets in the past two years, you can probably secure a insurance rate as low as $19/month. The best way to do that is to compare quotes from multiple insurers – let them compete for your business.
Depending on your age and other factors, you could get a huge discount on car insurance. With Solid Quotes Auto Insurance, you fill out a simple form and they’ll provide you with multiple quotes you can choose from. At the very least, you can use the offers and information they give you as leverage when negotiating with your current care insurance company.