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The current recession has many people worried where their money is going or where it went. Now that the recession is on its second year, many people are learning to hang on to their hard-earned cash, though not as tightly as they should. Perhaps they haven't began to realize yet that this is one of [link widoczny dla zalogowanych] the [link widoczny dla zalogowanych] worst financial times since the Great Depression.
For those who are aware that times have changed, whether you got laid off from your job or just [link widoczny dla zalogowanych] trying to make it through these worsening crisis, there are some things you can do to save on your monthly expenses.
Save on resources
If you own a home, implement energy conservation measures such as repairing leaking taps and showerheads, caulking the windows, [link widoczny dla zalogowanych] converting to fluorescent lighting throughout your home, turning off the air-conditioner and heat when [link widoczny dla zalogowanych] leaving the house and other steps to slash your monthly utility bills.
Rent issues
If you're an apartment dweller, compare what you spend on rent payment to the salary you receive. The basic rule is your paycheck should be 3 to 4 times more than your rent money. If your rent payment is half the amount of your salary, then you can consider downgrading to a cheaper apartment.
Car maintenance
Car [link widoczny dla zalogowanych] manufacturers maintain that an oil change should be made every 6,000 miles, and not 3,000 miles as commonly known. Check the user manual for the recommended oil change procedure and save on garage fees. You can even do the oil change by yourself and save around $20 while you're at it. Doing it is easy and you can search online for dozens of do-it-yourself oil change instructions.
Examine your tires regularly for wear or unevenness and make sure they have the recommended tire pressure. Overinflated, underinflated and [link widoczny dla zalogowanych] uneven tire wear all contribute to fuel waste.
Compare the insurance rates of the different auto insurance providers in your vicinity. Regrettably, many car owners get too attached with their insurance company even if their rates [link widoczny dla zalogowanych] have increased while their competitors haven't. You can easily save around a few hundred dollars yearly with just a few phone calls.
Shop smart
Start eating out less and eating at home more often, which means no more quick trips to McDonald's drive-through. This has been proven to slash off hundreds of dollars from a lot of people's monthly budget.
Cut out [link widoczny dla zalogowanych] those coupons in the Sunday papers and surf online for printable coupons on essential items. A lot of people who tried this saved at least [link widoczny dla zalogowanych] $40 in one week at the grocery store.
When stopping for gas, refrain from buying stuff at [link widoczny dla zalogowanych] the convenience store. The prices of convenience store items are 10% to 40% higher than in a typical grocery store. If you have a sweet tooth [link widoczny dla zalogowanych] for chocolate bars, then stock some in your car in case you want to nibble. A Hershey's six-pack sells at $1.50 at the grocery store while one bar costs $.75 at a convenience store.
Sit down and analyze all of your daily and monthly expenditure. You will find more cost-cutting opportunities that can save you hundreds of dollars a month.
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