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4 Ways To Save Money On Bills

Bills are probably my families biggest expense every month, so that’s why I think it is critically important to find ways to save money on bills wherever possible.

Let’s face it, no one enjoys paying bills, but it is a necessary evil if you want to enjoy things like running water, electricity, sewerage facilities, insurance plus much more. So it’s important to understand where your money is going and what you can do to limit the damage it does to your budget

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How To Save Money on Bills

There are plenty of different ways to save money on bills, so let’s go through a few of them.

My Four Ways To Save Money On Bills

 1 Way To Save Money On Bills Pay bills manually

With the wonders of the internet and online banking, many people have their bills setup as a direct debit payment from their bank account each month or year.

The first thing I would do is to stop having your bills paid from your credit card or your bank account automatically. It might seem easy to just pay it without having to check it, but you will also likely become complacent and just accept price increases because it is too easy just to leave your setup the way it is.

2 Way To Save Money On Bills Shopping around

One of my favorite ways to save money on bills is to shop around for better deals whenever a bill comes due. So many people get caught out by just paying the bill because they don’t have the time to shop around.

Now going around and either ringing or visiting companies offices to get the best deal can be very time consuming, so I recommend using product comparison websites wherever possible. These websites are purpose built to assist you in finding the best deal possible based on your requirements.

3 Way To Save Money On Bills Ask for better deals

I realize that negotiating isn’t something that everyone is comfortable doing, however it can end up saving you a lot of money, all you have to do is ask.

Whenever a bill comes due, do your due diligence and shop around, then when you have identified the cheapest option phone your existing provider and tell them that you are considering moving to someone else who is offering the same product or service at a lower price, but that you would prefer to stay with them so long as they can offer you the same level of savings.

You will be amazed just how many companies will be willing to slash their prices to keep you as a customer. Although not everyone will, and you have to be prepared to change service provider if they will not come to the party.

4 Way To Save Money On Bills Pay Bills Yearly

Something that my wife and I try to do as much as possible is to pay bills yearly instead of monthly. The reason for this is that quite often the bills will have discounts available for people who pay a yearly amount up front, rather than the smaller monthly installments.

In some instances this has saved us up to 10% per bill, which as you can image will add up to some decent savings over a lifetime.

Alcohol Advice- How I Save A lot Of Money On Alcohol

Stop Drinking Alcohol to Save Money Everyone knows that alcohol costs money and isn’t good for your health, yet so many people continue to drink. For some people, being able to stop drinking alcohol can be an incredibly difficult thing to do and can lead to big problems like violence, marriage breakdowns, health issues and financial hardship.

For me personally, I like to have a beer or two after work on a Friday evening or after a day in the yard on the weekend, however it isn’t something I need or that I must have – I just find it refreshing. The big downside to drinking for me, is that it costs me money that I don’t have to spend. Every couple of months I buy a carton of beer and I am then about $50 poorer for that decision.

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Stop binge drinking

I used to be a fairly big binge drinker when I was younger. I used to regularly go to parties or hit the town and get completely wasted with my friends. Looking back (from what I remember) it just wasn’t worth it.

  • I was spending well over $50 a week on alcohol. Sometimes $100 a week wasn’t unusual.
  • I always felt terrible the next day and didn’t get out of bed until after lunch.
  • My health was almost certainly suffering, although I didn’t have any major incidents – I was more lucky than anything else.

Why did I do it?

Because everyone else was doing it and it was “fun”. Having the benefit of hindsight, I now challenge just how much “fun” I was really having and if I could go back in time, I almost certainly wouldn’t be having the same type of fun that I thought I was having at the time.

Think about all the money I could have saved between the ages of 18 and 21 when I was at my worst. If I use $50 as a baseline, then I could have saved almost $8,000 over that 3 year period alone. Now i’m not saying you shouldn’t go out and enjoy yourself with your mates, but you don’t have to get stupid drunk at the same time.

Avoid Heavy Drinkers

Something I have noticed is that I tend to drink a lot more when I am around heavy drinkers. I find that I have just started a drink and before you know it there is another one in front of me waiting to be drunk.

If you are serious about quitting drinking and saving money, then I personally believe one of the best ways to stop drinking is to hangout with other people who either don’t drink, or who don’t drink heavily.

Drink something else

Lately I have started drinking tea with dinner and am considering replacing alcohol entirely with tea drinking. Now I may change my mind once the weather warms up, but at this point in time I am getting far more enjoyment sitting down with a nice hot cup of tea than I am with a beer.

The other big thing about the tea that I am drinking, is that it is only costing me 40 cents per drink, as opposed to $2 per beer. It might not sound like much, but over a lifetime that kind of saving will really add up, particularly if you drink a few a day