ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

5 Ways To Lower Your Monthly Budget

Updated on March 5, 2009

How Much Do You Spend?

Add up your total bills for the month. Pretty high aren't they. How about some quick fixes that can lower the amount you spend each month?

1. Lower The Cable Bill

If you can't cut it out all together, cosider re-evaluating amount you spend each month on your Cable Television Bill. You could downgrade from a more expensive package you are currently paying for perhaps for something a little more basic and lower cable TV bill in just one phone call

Call your cable representative and tell him you want to know how you can lower cable TV bill. If there is not a smaller package available, ask if your cable company has any offers to combine your cable bill with internet or phone for a lower total price.

2. Lower Your Cell Phone Bill

Call your cell phone company and ask if they have any phone packages that may better suit your needs for a lower price. If you are out of your cell phone contract this is a great time to ask if they offer loyalty discounts for customers resigning a contract. You really can get an additioal 5% to %15 percent off your phone bill each month just for asking.

Tell them your situation. Be friendly. Just imagine if you were on the other side of the line and knew that you could help someone by just entering in a code. Cell phone representatives CAN do this. They CAN lower your cell phone bill or give perks and many do just by asking. I have a CHEAP cell phone bill. I pay $35 a month for a 500 minute a month plan, with free texting, free first incoming minute, free mobile to mobile, and free internet, and an additonal free 100 minutes a month, Most of these features I got because I called and ASKED.

If your considering switching cell phone companies, ask to be directed directly to Rententions. They will do everything they can to keep your business. This is the jobs of a rententions representatives. Do some research. Find a plan you like with another cell phone company and ask if they can do any better.

3. Lower Auto Insurance

When I went through and found everyway possible to cut my bills I knew attacking my car insurance premium was a savings gold mine. I knew I was paying to much at $170 a month and tried to get some better offers to lower auto insurance. But I was calling all the wrong people. I then came accross NetQuote For Free Auto Insurance Quotes through a points program. I entered in my information and within minutes I was given names of popular car insurance companies and the best rates they could offer me. In a few hours later a nice guy called me who got my information through this and reduced my insurance from $170 a monthI was paying with Nationwide to $113 a month for an even better plan with an even better company.

4. Lower Your Electricity Bill

3 words. Fluorescent Light Bulbs. These money savers are becoming more and more affordable and over the lifespan of 7 years can save $50 to $70 per bulb. Add just 15 to your house and thats about $5 to $10 savings each month on your electricity bill. It adds up. You can get these at Hardware stores, online, grocery stores, and more.

5. Lower Water Bill

Get a timer and put that thing in the bathroom to lower water bill. Start by asking your family members to time their showers. Then ask the entire family to make a strong effort to cut their shower times.

If their shower time is normally 15 mins ask them to cut it to 10.. How many of us just stand under the hot water to feel it hit our back or enjoy our shower time as a quiet place to do some thinking and run through the days activities. Your thinking time is wasting water. Make an effort to get in, get clean, and get out. You'd be suprised at how much of a difference this can make in a month.

Comments

Submit a Comment

No comments yet.

working

This website uses cookies

As a user in the EEA, your approval is needed on a few things. To provide a better website experience, hubpages.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: https://hubpages.com/privacy-policy#gdpr

Show Details
Necessary
HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
LoginThis is necessary to sign in to the HubPages Service.
Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
AkismetThis is used to detect comment spam. (Privacy Policy)
HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
Features
Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
MavenThis supports the Maven widget and search functionality. (Privacy Policy)
Marketing
Google AdSenseThis is an ad network. (Privacy Policy)
Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
Index ExchangeThis is an ad network. (Privacy Policy)
SovrnThis is an ad network. (Privacy Policy)
Facebook AdsThis is an ad network. (Privacy Policy)
Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
AppNexusThis is an ad network. (Privacy Policy)
OpenxThis is an ad network. (Privacy Policy)
Rubicon ProjectThis is an ad network. (Privacy Policy)
TripleLiftThis is an ad network. (Privacy Policy)
Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
Statistics
Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)