Renee Prunier


Posted by Renee Prunier on 2/12/2018

When you buy a home, you suddenly realize that your wallet and bank account become quickly drained with all of the expenses involved. If you want to save money when you own a home, youíll need to find ways to cut down on your spending. This takes some creativity and some budgeting. The good news is that you donít have to sacrifice everything in order to live in the home you want. There are many ways that you can trim your budget and you probably never even thought of them.  


The Grocery Store


We all need to eat, so you definitely canít eliminate food from your budget! You can get your grocery bill down significantly with some careful planning. 


One of the biggest problems that people have, when they head to the grocery store, is that they simply shop without a plan. Make a list of what you need to buy. There are certain things that just about everyone needs every grocery trip like milk, bread, and eggs. If you go into the store with a list, youíll have a plan that you can stick to. Know what youíre going to cook and what everyone will eat throughout the week. If you bring coupons along on a grocery trip, try not to bring anything that you donít have use for. Youíll overspend if you buy just based on coupons. After you start your new system, you can have a clear budget that will become a habit over the course of time.


Donít Pay For What You Donít Use


Are you paying for things like a landline telephone or cable? Do you actually use these services? Cutting the cords can save you a lot of expenses. Also, youíre truly wasting money if youíre paying for something that you donít use. Thereís also some cheaper alternatives available when it comes to these types of services. 


Do More Yourself


While you may have relied on the luxury of a cleaning service or a landscaping service, you can cut these things out of your budget. Itís fairly simple to clean up after yourself, just set some standards with your family in order to keep the house up. As far as landscaping, you can probably do some of the mowing and raking on your own. You can still keep these services, but perhaps you want to save the maid for an every other month deep cleaning of your home. 


Other Places To Cut Expenses


Depending upon your lifestyle and needs, there are probably a few other places that you can save in your budget. These include:


  • Seeing where you can save on insurance policies
  • Finding alternatives for pet care and child care
  • Cutting back on your commuting costs by carpooling or using public transport


When you take a good look at your budget, youíll see that there are plenty of ways that you can start saving, yet still live in the home of your dreams and keep your lifestyle.




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Posted by Renee Prunier on 12/7/2015

Would you like to save money every month? How about eliminating $1,000 a month from your budget? †Trimming $1,000 a month is no easy task. Here are some places to start reducing your monthly expenses. 1. Phone, Cable and Internet Start out trying to cut costs on utilities. Call your cable, phone and Internet providers. Review the services you have, look for services you don't need, and slim down the utility bill as much as possible. Don't forget to ask about any specials or promotions they may be running. You may also want to call the competition to see if they offer a better deal. 2. Child Care You can save money on child care if your employer offers a flexible spending account. A flexible spending account lets†you set aside pre-taxed dollars to pay for health care, child care and commuting costs. 3. The Mortgage If mortgage rates are low you may want to consider refinancing. A lower interest rate can help reduce monthly mortgage payments. You may also consider future savings and change the terms of your mortgage. Look into 15-year mortgage options that could allow you to have your home paid off prior to retirement. 4. Groceries Take the time to comparison shop when buying groceries. Try the store brand instead of paying top dollar from brand name food.†Coupon clipping can also save you money, every little bit helps. You may not have time to become a master coupon clipper, however, saving a few dollars each week will add up over time. If you can focus on†recurring monthly expenses, and make cut backs as needed, you won't have to work as hard every month to save money.