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Squeeze Some Extra Money from Your Monthly Bills

Updated on August 18, 2013

Budget Boosters

Yes, you can budget your money to make ends meet at home. These budget boosters can each add extra dollars to the monthly allotment for paying more bills or some fun extras.

Check and double-check each monthly bill when it comes in. Look it over first to see if the charges are accurate. Then, see where some of "the fat" can be trimmed. Often we pay for things or services we never use or realize we have.


Check and re-check those bills

1 ~ Do you still have a home phone (land line)? They are going the way of the dodo bird. Unless you have dial-up internet service (horrors), there is no need for a land line telephone. Ditch it. Use a cell phone with pre-paid minutes or sign up for an inexpensive plan that includes long distance.

2 ~ Really look over the cell phone bill. Are there services or minutes you do not use? I called our cell provider recently and reduced the number of monthly minutes (that we did not use) on our plan for a savings of $20.00 per month. Yippee!

3 ~ The electricity and/or gas bill is always a source of contention. There are several ways to help in this area. If your provider gives the option for budget or levelized billing, do it. This way a definite amount can be set aside each month and you know exactly what it will be.

4 ~ Many people have reported savings after purchasing a programmable thermostat. Closing off rooms that are unused (and closing the vents) keeps unwanted cold or warm air from traveling there. Adjust the regular thermostat (if you don't have a programmable one) when no one is home. Unplug appliances like lamps or computers that are not being used.

5 ~ Sometimes people don't think they can save on the mortgage payment. However, if you have a higher interest rate, refinancing for a lower one could save a bundle each month. Consult your lender about a PMI (private mortgage insurance) charge each month (if you have that) and if there are options there for deleting it.

6 ~ These days, virtually everyone has the internet at home. We reduced our monthly payment by about $20.00 when we opted for the standard service instead of a fancy package we didn't need.

7~ Cable TV packages can be a big mystery. Look at the channels you use all the time. Compare that with the ones you pay for and hardly ever use. Is there a package for fewer channels that would work for you? Using RedBox or Netflix is much cheaper than paying for premium movie channels.

8 ~ Call the big bad credit card company(ies) and ask for a lower interest rate. The worst they could say is "no." We did this and reduced our monthly interest rate by 3%.

9 ~ Do you have a retirement plan? Consider reducing the monthly percentage you contribute (at least for a little while) but be sure to put in enough to meet an employer's match (if applicable). This can always be changed later.

10 ~ Consider raising the deductible on your home, vehicle or health insurance. This would reduce your monthly payment. Note that if you do have a claim, however, your out-of-pocket expenses would be more if you choose this option.

11 ~ Groceries - Ok, this is usually a weekly thing (at least for me). Plan a sketchy menu for the week and make a weekly grocery list based on that. This way you know what you have and what you need and you don't make unnecessary purchases or have to stop in the middle of the week. Specific tips for grocery shopping can be found at

Do you have other tips for saving money each month? Please share.

Take the poll . . .

Have you used any of the above tips for reducing monthly bills?

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  • Esmeowl12 profile image

    Cindy A. Johnson 4 years ago from Sevierville, TN

    My big problem is the phone bill. That's the one I keep chipping on. Thanks for stopping by!

  • AudreyHowitt profile image

    Audrey Howitt 4 years ago from California

    Very practical tips! I hate the cable bill and am always looking to reduce that bill--

  • Esmeowl12 profile image

    Cindy A. Johnson 6 years ago from Sevierville, TN

    Thanks, belleboy. I have a really hard time with titles so it's nice when one works!

  • belleboy profile image

    belleboy 6 years ago

    Great hub Esmeowl12. These are excellent tips for saving money on various items. I also like your hub title-"Budget Boosters". It's clever and creative.

  • Esmeowl12 profile image

    Cindy A. Johnson 6 years ago from Sevierville, TN

    Thanks, KrystalD!

  • KrystalD profile image

    KrystalD 6 years ago from Los Angeles

    This are great ideas and trust me, I have learned to cut corners. Recently I moved across the street from my job to an affordable apartment. This cut down on my rent and transportation cost. I do not drive since I can walk to almost everything I need or take public transportaion for further journies. I am loving this way of life and it means I can pay my student loans off sooner. Yeah! Thanks for the article Es. Your a woman after my own heart!

  • Esmeowl12 profile image

    Cindy A. Johnson 6 years ago from Sevierville, TN

    Thanks, Gypsy, Donna and Contentsunlimited. Any way we can save money is a good thing!

  • Gypsy Rose Lee profile image

    Gypsy Rose Lee 6 years ago from Riga, Latvia

    Good informative article. We could use you here in Latvia to inform people on how to save money. Here everything is so new to everyone that they overextend themselves on everything from credit to cable. The worst thing is that the utility companies here keep finding ways to cheat the people out of more money by adding some sort of taxes etc. on anything they can. Don't know how things will look once the dust settles.

  • DonnaCosmato profile image

    Donna Cosmato 6 years ago from USA

    Excellent tips, we ditched the land line and took an online service plus our cell phones. The only downside is when the Internet is down, so is the house phone but since we have the mobiles for back up, it's not a deal breaker. The thing I liked best about this hub is these are easy to implement tips that don't require too much effort or paperwork. Good job...voted up and useful.

  • Esmeowl12 profile image

    Cindy A. Johnson 6 years ago from Sevierville, TN

    Thanks, thougtforce. Good luck!

  • thougtforce profile image

    Christina Lornemark 6 years ago from Sweden

    You have many good tips here. I still have a home phone but I have thought about getting rid of it for some time now. Thanks for the tips and a great hub, voted up


  • Esmeowl12 profile image

    Cindy A. Johnson 6 years ago from Sevierville, TN

    Thanks so much for your comments, Momstalk, Hyphen, Angela and Nicregi. To me, there's no point in paying for what you don't need or use!

  • nicregi profile image

    Reginald Chan 6 years ago from Malaysia

    Hi there! Thanks for sharing. For me, I always compare to have the best deals. I tell that to everyone and at times, it could take up some of our time but it certainly is worth your time and effort.

    Just my 2 cents and keep it up!

  • angela p profile image

    angela p 6 years ago from Richmond, Virginia

    thanks so much for these ideas. I have thinking about getting rid of our home phone for awhile and your hub has made me put it on my list of things to do next week. Great ideas and very useful.

  • Hyphenbird profile image

    Brenda Barnes 6 years ago from America-Broken But Still Beautiful

    You have some great advice here. We all can cut back in some areas. Thanks, Hyphen.

  • Momstalk profile image

    Momstalk 6 years ago from Rock springs Wy

    Good ideas. We do the leveling for both our gas and electric. It's a major saver especially in the winter time. Also Netflix ROCKS! Good hub.