It's Time: To Track Your Monthly Expenses, Here's How You Can Save Money On Bills

In this week's It's Time edition, we'll look at how minor changes may lead to greater budget gains and lower your monthly bills

Suksham SharmaUpdated: Jun 24, 2023, 17:11 IST
2 min read
Here's How You Can Save Money On Bills
Indiatimes

Do you need to increase your budget? Reduced expenses are a smart option to consider. Small changes might help you save money on everything from groceries to house rent. In this week's edition of our It's Time series, we are going to discuss how small efforts can result in a larger budget gain and pocket-friendly bills.

Cost Cutting In The Following Areas:

It Pexels

Utility Bills For Rapid Savings

It Reuters

The basic utilities of a person involve what? A cable connection, a mobile connection, the internet, electricity, and water.

Turn off energy hogs. A smart power strip, which turns off electricity to gadgets that are not in use, can help you cut your average electric expenditure.

Change your mobile data plan or provider. Take stock of your plan and data use, and then see if you can negotiate a better bargain with your carrier or another. Switching to prepaid service may result in significantly reduced cell phone bills.

Cable/Internet: Check to see which streaming services you actually use and which you haven't used in a long time. You'll save money each month if you cancel those useless services. If a service only provides a few episodes you enjoy, consider bingeing them before ending your subscription. Use free trials to see what you want in that time span without having to commit to the expense.

Transportation Expenditures

It Agency

Transportation expenditures, whether for a car or a monthly metro pass, are included as "needs" in the majority of budgets. Reduce your monthly transportation expenses to make more room in your budget.

Refinance your vehicle loan. You may reduce your auto payment by obtaining a lower interest rate or extending the term of your loan. You must have a track record of timely payments spanning six to twelve months.

Consider if you really need a car. If not, sell your automobile and use the cash to pay off your current car loan. What you save on insurance, gas, parking, and maintenance will most likely be more than enough to cover public transit.

Food

It Unsplash

You probably don't need to eat peanut butter sandwiches or quick noodles to save money on meals. Instead, buy store brands at the grocery store and take advantage of happy hour specials when dining out.

1. Make a shopping list. When you have a strategy, you are less likely to overspend. You may also seek out coupons to save even more money on your shopping.

2. Choose the shop brand. Even if you shop at more expensive places, generic labels and store brands are a certain way to save money.

3. Join the club. Sign up for the store's loyalty programme and, if available, download its app to gain access to exclusive offers and promotions.

4. Going out to eat: Look for promotions. Use happy hours or other specials.

5. Split bills. You may save money by splitting a meal with a buddy or date.

Discover How To Save Money On Rent And Homeowner's Insurance

It Pexels

Mortgage: A couple of percentage points off your interest rate may save you hundreds of rupees every month. Check your credit to ensure you obtain the best deal available, then shop around and compare rates and fees from several lenders.

Downsize. Moving your family from a 3BHK to a 2BHK flat might save you hundreds of rupees in rent, depending on the location. It may, however, necessitate doubling up on bedrooms or losing a guest room.

Look for a flatmate. It may sound contradictory, but you may reduce your rent by moving to a larger flat if you share it with a flatmate.

Barter. If relocation isn't an option, try bargaining with your landlord. They may be ready to cut your rent in return for a longer lease or doing your own maintenance.

Debt Relief

Unsplash Unsplash

Yes, you can receive debt relief. Consider refinancing or debt consolidation to decrease your monthly payments. Federal student loan borrowers have additional repayment choices, including income-based repayment.

For the latest and interesting financial news, keep reading Indiatimes Worth. Click here

Suksham Sharma

Suksham Sharma is a news enthusiast with a knack for TV and digital media. At Indiatimes, she crafts engaging content and fresh ideas. Passionate about the entertainment world, Suksham covers the latest in Bollywood and beyond, always eager for the next scoop. When she¡¯s not diving into entertainment news, she loves escaping to her hometown in Himachal Pradesh to unwind and recharge.

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22/11/2024 4:56:48
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