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2020 has already become a year to remember. For many of us, it has served as a wakeup call, forcing us to take a hard look at how we spend and what we really need. Professor Pig is here to help you save big by making little changes to your current and planned expenses.
When evaluating expenses, it is critical to know where your money is going each month. Ensure your budget is up to date with recurring and discretionary expenses and enroll in any available rewards programs.
SmartyTip! Many retailers have improved their apps in recent months, so check for coupons in the apps for grocery and big box stores.
Now that we’re halfway through the year, it’s an excellent time to review and adjust your savings goals. Since travel may be out of the question for a while, consider diverting funds from those savings accounts to pay off debts, add to your emergency fund, or lower your monthly mortgage payment. It is a great time to take advantage of lower interest rates and consolidate debt or refinance your home or auto.
The rise of telecommuting and homeschooling has made it practically impossible to cut back on internet services, but there are deals to be found when bundling or reducing other services. Try reviewing your cellular bill and request a discount for bundling services or consider switching providers. Think about cutting cable in favor of more economical streaming services. Only paying for the channels you watch might save your family a lot of money!
Lots of devices require lots of electricity, but you can economize in other areas. Replacing incandescent bulbs with more energy-efficient LEDs is a proven money-saver. Ensuring that your appliances are well maintained and running efficiently is another way to save money overtime.
In most cases, the recent stay-at-home orders have reduced gasoline and toll expenses, but don’t forget to check in with your insurance company! Many providers have granted refunds in response to fewer drivers on the road during the COVID-19 crisis.
Reducing your grocery bill is a breeze when you organize a menu for a week or two at a time, and plan meals with similar ingredients. You can save money buying larger economy packages of meat or cheese. Take it one step further and consider gardening and raising chickens! Both have increased in popularity since we all began staying at home.
Take the DIY trend outside and think about eliminating expensive vendors and taking over maintenance of your yard and pest control. You’ll feel an increased sense of pride for your home and benefit from fresh air too!
Gym closures over the past few months have led to an at-home workout craze that many find enjoyable as well as more economical! Avoiding crowds and germs is only one benefit of exercising at home. A wide selection of innovative new programs keeps your at-home workout fun and challenging.
It doesn’t take a major overhaul to realign your financial plan. Evaluate expenses a few at a time and see how little changes can have a big impact on your budget and savings goals!