Stay at Home Moms

If possible, consider consolidating different services that you are currently paying for. For example, your insurance company will give out a multi-policy discount if you have both your car and house insurance through them.You may also be able to use the same company for your internet, phone and cable. If the company offers a group discount on these services, you could save hundreds of dollars a year.

Is it possible for some members of your family to take public transportation or carpool? Riding a bike is good on the pocket, but is also good for a person’s health as well as the environment.

The next time you need to make a purchase, consider purchasing used items, which can easily be found on eBay.

Instead of buying books with your hard earned money, pay with books you’ve already read. There are plenty of book stores which allow you to bring in used books for store credit.

Your local library can be a source of free books, movies, and CD’s. Just remember to return them on time or you will have to pay fines.

If it is possible, turn off the air conditioning and open a window to save on electricity in warm weather months. Buying energy efficient light bulbs is another way to save on electricity each month.

If you have a large car payment, is it possible to trade in the car you have for a vehicle with a lower payment? Or perhaps you can buy a used vehicle outright? By doing this, it is possible to save anywhere from two hundred to six hundred dollars a month, depending on how much your current payment is.

If a person were to cut just $20 off of five different expenses each month, they would have an extra $100 that they could use to help pay down credit card debt or save for another purpose.