SIMPLE WAYS TO CUT EXPENSES
• USE FIFTEEN YEAR INSTEAD OF A THIRTY YEAR MORTGAGE ON YOUR HOME.
• REFINANCE YOUR MORTGAGE.
If interest rates have dropped substantially, check with your bank or mortgage company about the cost of refinancing.
• SET YOUR THEMOSTAT FIVE DEGREES WARMER IN THE SUMMER AND FIVE DEGREES COOLER IN THE WINTER.
Your utility savings will be dramatic.
• KEEP DRIVING THE CAR YOU HAVE NOW INSTEADING OF PURCHASING A NEW ONE.
Mr. Blue says it best when he observes, “The cheapest car to own is the one you are driving.
• USE A SELF-SERVICEOF FULL SERVICE GAS STATION IF POSSIBLE.
The savings can result hundred of bucks a year. The only item you really need to check once a week is the oil.
• REFUSE TO SHOP FOR GROCERIES WHEN YOU ARE HUNGRY.
Waiting until after you have eaten can prevent wasteful spending.
• USE A LIST WHEN YOU SHOP FOR GROCERIES.
Impulse buying can destroy your food budget.
• POSTPONE CLOTHES PURCHASES UNTIL MAJOR SALES.
You will be amazed at how much money you can save.
• SPLIT ENTREES WHEN YOU EAT OUT.
Most restaurants serve more food than you’ll ever want to eat.
• PLAN YOUR TRAVEL AHEAD OF TIME.
Airlines and hotels penalize those who make last-minute travel plans.
