ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

How to take control of your budget in 2011? Three simple tips to save money

Updated on January 19, 2011

Have you spent more in 2010 and would like to control your budget in 2011? If yes, then this article is for you. Sometimes, when you will review your budget and compare it with your income, you will realize that you are spending more money than what you are making. Isn’t it? It had been a regular thing for me for around one year. I admit that my family’s budget was NOT IN CONTROL. At that time, we just had two options, one option was to achieve higher incomes and the other option was to remain at the same income and spend less, so I tried both options one by one. When I tried first option and enhanced my income by writing out more and more hubs, the cost of living increased due to the increase in my family necessities and other expenditures, which came up and my health deteriorated. Every month, I worked hard and increased my income to a few more dollars, but it was useless. The extra expenditures came on and ruined my budget over and over again for around six months.

Then, I gave up the first option and started using the second option with some modification, which was to enhance my income adding up more dollars and finding some ways to spend less, save some money, and control my budget. That was the time when I found some ways to balance my monthly expenses, which was as easy as checking my list of monthly expenses and making some adjustments. So below are those three simple tips to save money, which I am keeping a track on and my budget is in good control now. You can get some idea out of these three simple tips to save money and easily take control of your budget in 2011. Another reason I am writing these out is because I would like to get more ideas on saving money in 2011 from you all (visitors of this article).

First tip to save money – Removing useless channels from my satellite TV subscription

The first tip, which I used, was that I checked out my satellite television account. I talked to my family and considered removing some services to which we subscribed. There were many channels, which were useless for my family, and no one was watching those channels but we were getting billed for them every month, which was a total waste of money. I thought and then asked my family, “Do we really need these many channels?” How about removing some useless channels out? My family was in agreement to this and we unsubscribed to some useless channels and started saving some money. This saved us around 20 dollars per month. I know this is a less amount but something is better than nothing.

Get to It! Budget Book: A Fresh Start to Personal Finances to Help You...Get Organized! Get Control! & Get on With Your Life!

Control your budget by removing useless grocery items from your monthly grocery list.
Control your budget by removing useless grocery items from your monthly grocery list.

Second tip to save money – Converting from postpaid to prepaid connection

Then I had a look on my family’s cellphone bills closely. There were many outgoing calls to numbers, which were useless for us. We had not subscribed to caller tunes but then also they were there without our knowledge. There were many other options, which were useless. There were also hidden costs to extra services, which me and my family do not even use. We have four mobile phones in our family; one with me, two with my wife at home in case one is not working, and one with my father, so we switched to prepaid connection from the postpaid connection for three of them which saved us around 25 dollars for each phone making it around 75 dollars of savings per month for three cellphones. The extra benefit of converting from postpaid to prepaid connection was that there was total control on the outgoing calls we are making.

Third tip to save money – Chucking out useless grocery items

Next, I started evaluating the type of products and groceries I was buying at the supermarket. After having a look at the bills of last two months, I found that we were purchasing some items, which were useless and were not necessary for our family. Actually, I saw them lying in our storage area and thought to delete them off from my future grocery item list. After cutting these useless things and buying only whatever is necessary and really required, we were able to save around 80 dollars per month.

After applying these three tips to save money for the last 5 months, we are saving 20+75+80 = 175 dollars per month. Isn’t this good enough?

Actually these cuts in the useless TV channels, postpaid phone bills, and useless grocery items from the supermarket has made our budget much more manageable than before.

So friends, savings like these can work well for anyone but it takes some time to sort things out and then apply these changes. These changes really help us find some extra money in our monthly budget.

If you have any personal tips on saving money, please write them in the comment box below because I really need them, as I want to become a good manager of my household, especially managing finances.


    0 of 8192 characters used
    Post Comment

    • soni2006 profile imageAUTHOR

      Rajinder Soni 

      8 years ago from New Delhi, India

      Thank you so much for sharing your wonderful experience on saving money Pat and Tricia. (Gone through one of your hub). Will visit changing bank accounts hub. best of luck.

    • 2patricias profile image


      8 years ago from Sussex by the Sea

      Tricia has saving money by changing bank accounts (and published a Hub). Pat does one 'on line' grocery shop per month, and just buys fruit, veg and some meat in between - that saves money for her. What works for one person might not work for another.

      Thanks for a good Hub.

    • soni2006 profile imageAUTHOR

      Rajinder Soni 

      8 years ago from New Delhi, India

      Thanks a lot sutrapu.

    • sutrapu profile image


      8 years ago from kuwait

      nice article.

    • soni2006 profile imageAUTHOR

      Rajinder Soni 

      8 years ago from New Delhi, India

      Thanks for the idea Clayton.

    • Clayton88 profile image


      8 years ago

      good tips thx keep your bills low and dont spend

    • soni2006 profile imageAUTHOR

      Rajinder Soni 

      8 years ago from New Delhi, India

      Thank you so much Chloe Comfort, Veronica Allen, Kevin Peter, agusfanani, and H P Roychoudhury for your positive remarks on this hub.

    • H P Roychoudhury profile image

      H P Roychoudhury 

      8 years ago from Guwahati, India

      Tanks for good information and sharing.

    • agusfanani profile image


      8 years ago from Indonesia

      Thank you for the tips Soni2006, they must be useful !

    • Kevin Peter profile image

      Kevin Peter 

      8 years ago from Global Citizen

      This is a great idea , since it can very personalized! Cool! Great Hub, soni2006!

    • Veronica Allen profile image

      Veronica Allen 

      8 years ago from Georgia

      Great tips! Thank you for sharing.

    • Chloe Comfort profile image

      Chloe Comfort 

      8 years ago from Long Island

      Great tips. I also revisited my cable and cell phone bills. Made some changes and cut them by about 30%. Also stopped making foolish purchases at the grocery store and don't forget those coupons!!!! Kudos!


    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)