It can be easy to save money, it's all in how you do it.
You don't have to become a miser to save money. It is possible to save without feeling any pain at all.
All you have to do is rearrange how you spend your money. A lot of spending is done without even realizing it. For example, you pay the amount that the phone company charges you for your phone. You never think to question it. Maybe you should.
Call the phone company and ask how you can save on your phone bill. Often, you can choose a discount or bundled plan that is geared towards the way you use your phone. These plans are often cheaper than standard plans with many different options that you don't even know how to use.
After five to ten minutes on the phone, you are saving money. And you aren't sacrificing anything to do it. You could save up to $100 a year.
There are many similar ways that you can rearrange the way you spend your money. Do you forget to turn up the heat or down the air when you leave the house? Consider purchasing an adjustable thermostat that can be set to change the temperature at certain times of the day. With a little initial cost, you can begin saving money every day on your heating and electric bills.
Invest in improvements to your home that makes it more energy efficient. Have your oil and air filters in your car changed frequently. Have the air filter in your central air cleaned regularly. Save scrap paper in a basket under your desk for your children to draw on.
All it takes is looking for ways to save wisely. You don't have to save cotton balls and cut your baby's diaper wipes in half. All you have to do is make a few phone calls and turn off a few lights. And you are already cutting your costs.
You can often cut costs by simply walking around your home and looking for things that are costing you money. Do you run the washer when it isn't a full load? Do you clean out your dryer lint trap every time? Is your refrigerator door seal starting to go? Are there drafts around doors and windows - easily felt during the winter?
These are all areas where a little bit of improvement can save you a lot of money over time. And all it takes is doing something once, and never thinking about it again.
The ideal way to save without thinking is to not just cut your costs, but to actually but the money saved towards something. You can set your checking account to direct deposit a set amount each month into your savings. Some employers will even offer this option, where a portion of your check goes into savings and a portion goes to checking. Once you set this, you simply consider it another bill that is paid. You don't have to do anything. The savings are automatic.
That's the beauty of frugal living. When it is done wisely, after a while it becomes automatic. No thought and no pain.
Martin Lukac represents http://www.RateEmpire.com and http://www.1AmericanFinancial.com , a finance web-company specializing in real estate and mortgage rates. We specialize in daily updates, mortgage news, rate predictions, mortgage rates and more. Find low home loan mortgage interest rates from hundreds of mortgage companies!