ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Five Ways to Cut Costs at Home

Updated on March 22, 2018
Rosie writes profile image

Rosie is a library media specialist. An avid reader and life-long learner, Rosie enjoys sharing her knowledge and expertise in many areas.

It's Time to Cut Costs

Every summer I look for ways to cut current costs of living. I'm always surprised by the ways that I end up doing it, having not realized it was possible before hand. As a teacher I have found that my pay has not been increased for several years now, but the cost of living keeps getting higher. If you are in the same boat, take a few hours to cut your costs of living by reading this hub and taking action.


Reduce Cable Bill

One sure way to reduce your monthly cable bill is to negotiate. Do some research, find out what is being offered by other cable companies and call your current cable company. Tell them you are unable to afford their rates and have been looking elsewhere, shopping around. Ask them if they can reduce your costs. Many people do not realize that this is completely possible, as your cable company would rather keep you as a customer than lose your business.

According to Consumer Reports, "When we surveyed almost 21,000 Consumer Reports readers who had a triple play deal (TV, phone, and Internet), we found that only one out of three had negotiated with their provider. But close to half of those bargainers got a reduction in their monthly bill or more services for the same money."

Lastly, look carefully at your most recent bill. Are you paying for things that you really don't need? For instance, if you use the DVR option infrequently, then get rid of it. You can always add it back on later.

Minimize Eating Out

A great way to truly understand how much of an impact eating out has on your budget, is to scan through your most recent bank statement. Add up all of the restaurant charges. Of course, this won't include cash spent. Even so, you will probably be very surprised by what you find.

Now you need to set some limits that you can live comfortably with. Below are a few ideas to choose from that are effective. Sticking with them is the key.

  • Eat out only once a month. Make it a family night and something everyone looks forward to.
  • Put a set amount of cash aside each month for eating out. Once this is gone, wait until the next month before eating out again.
  • Eat breakfast at home and take your lunch to work. If you must eat out at work sometimes, set a limit (once every two weeks).
  • Stop going to quick-stop restaurants. A lot of spending can be accounted for here. Find ways to curb this desire. For instance, get a coffee brand you love and make it at home.

Installing a Programmable Thermostat

Reduce Bills

Purchase a programmable thermostat. These are inexpensive (less than $100) and easy to install. By controlling the temperature of your home, you can start saving money immediately. Write down your weekly schedule (when you are home and when you are not). Program your thermostat so that your heating and cooling systems are not working hard until you are home to enjoy them.

According to Honeywell, "A programmable thermostat can save you up to 33-Percent off your energy bill, if used as directed. You set it up to adjust the temperature when you are away or asleep-times when you don't necessarily need to heat or cool your home to optimum comfort-and your HVAC equipment runs less. Plus, your heating or cooling comes back to the comfort level you desire before you come home or wake up. Honeywell programmable thermostats are easy to install and are pre-programmed for your convenience."

Which of the following do you plan to do this year?

See results

Cancel Newspapers and Magazines

While this bill may be one of your smallest, it adds up to a lot over the course of a year. By canceling all magazine and newpaper subscriptions, quite a bit of money can be saved. By no means do you have to give up looking at the news or your favorite magazines. There are ways to do this for no cost at all.

Make library visits a regular occurrence. Visit your local library and check out the magazines there for free. They often carry newspapers as well. My local library gives away magazines. Just recently I picked up several issues of Coastal Living and All About You for free.

You most likely have a computer with internet access for news reports. Visit your local news website or any news website for that matter. In the United States, some of the most popular news websites are:,, and Visit for all your weather information as well.

Build a Ladder Ball Game

Maximize Home Entertainment

If you go to the movies often, you may want to consider opening a Netflix account. You will get access to an unlimited number of movies for a small price that the whole family can enjoy. You will also get access to television series that you may want to revisit or series that you never had a chance to watch before. You can try this service for one month free, and then pay only $7.99 per month. Netflix allows you to choose from moviies that are available instantly via an internet-connected screen or movies that must be delivered at no extra charge.

Create a fire pit in your back yard with some sand and bricks or rocks. Make smores and sit around the campfire. Grill-out and have a feast in the backyard. Set up ladder ball and cornhole for outside fun. Visit This Old House, for written instructions on how to create your own cornhole game set.

For inside games, there are so many to choose from. Monopoly, Rummikub and Life are probably the most popular in my house. And then there are the card and dice games such as Farkle, Yahtzee, Rummy and Spite and Malice. Break out the popcorn, chips and dip and enjoy saving money.


    0 of 8192 characters used
    Post Comment

    • Rosie writes profile imageAUTHOR

      Rosie writes 

      5 years ago from Virginia

      That is a great tip Viva! I will be doing that as well. Thanks for reading!

    • Viva Jones profile image

      Viva Jones 

      5 years ago from UK

      Ha ha, a hub close to my heart! I would also add to turn all electrical appliances off standby, which I once read uses up to 80% of the normal electricity. Why pay for something you're not using?

    • Rosie writes profile imageAUTHOR

      Rosie writes 

      5 years ago from Virginia

      Thanks Felisa and randomcreative. It does make a difference, especially over the course of a year.

    • randomcreative profile image

      Rose Clearfield 

      5 years ago from Milwaukee, Wisconsin

      My husband and I follow all of this advice, and from personal experience, I can say that each tip does make a huge difference!

    • Felisa Daskeo profile image

      Felisa Daskeo 

      5 years ago from Manila, Philippines

      These are all very useful tips.


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, 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:

    Show Details
    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 or domains, for performance and efficiency reasons. (Privacy Policy)
    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)
    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.
    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)