Every year expenses creep up. We're using more services, the cost of food and other goods continues to go up, and life is simply becoming more expensive. Most people don't take the time to do a quick personal audit to see where they are paying more than they need to, or where expenses could be cut all together.
A quick 5 minute analysis can identify areas where huge savings could be found -- so that more of your hard earned money stays in your pocket.
Read through each item on the list below to see just how much you could save this year...
#1 - Reduce Your Electric Bill Each Month
Next to monthly housing payments, heat and electric bills are often the biggest expense around the home. Here are a few ways to slash electric bills with just a little bit of planning...
- Unplug Everything: Did you know that appliances and electronics continue sapping electricity as long as they're plugged in, even when their switches are turned off? Making a habit of unplugging these items when they aren't in use saves a lot of energy over time. This includes computers, TVs, the toaster, hair dryers and phone chargers.
- Use energy-efficient light bulbs: Replace all of your incandescent bulbs with compact fluorescent bulbs (CFLs) or LED bulbs. Incandescent bulbs release most of their energy through heat, rather than light. Newer bulb styles are much more energy efficient, and they save a lot of electricity and money over time.
- Use Smart Technology: How many times does the TV get left on with nobody watching it? Use timers and smart outlets to automatically turn off items at designated times or after a certain amount of time of inactivity. Smart thermostats can also make your home more energy efficient by automatically adjusting the temperature when you're away.
These things may seem small, but small amounts of energy over time can create big bills! Often times electric bills are made up of a lot of unnecessary usage -- and that's money that could be better spent elsewhere (or put back in your pocket).
#2 - Born Before 1985? Get $3,252/year Taken Off Your Mortgage with the Government's Lucrative "FMERR" Program
If you're a homeowner, this one thing could save yourself thousands of dollars this year...
Still unknown to many is a brilliant Government Program called the Freddie Mac Enhanced Relief Refinance Program (FMERR) that could benefit millions of Americans and reduce their payments by as much as $3,252 per year! You can bet the banks aren't too thrilled about losing all that profit and might secretly hope homeowners don't find out about the program before it expires.
So while the banks happily wait for this program to end, the Government is making a final push and urging homeowners to take advantage. This program is currently active but could be shut down at any given time. The good news is that once you're in, you're in.
So if reducing your payments by $271/month, paying off your mortgage faster, or even taking some cash out would help you, it's important to check your eligibility here. Checking your eligibility is quick and completely free!Check My Eligibility »
#3 - Those With More Than $15,000 in Credit Card Debt Use This Brilliant Debt Relief Program
With the skyrocketing cost of living in the United States, more and more adults are struggling with financial debt than ever before. Here's what credit card companies don't want you to know...
Adults born before 1985 that owe more than $15,000 in credit card debt can use this debt relief program to reduce the amount of money they owe to creditors. The program helps resolve debt without loans -- allowing many to become totally debt free in just 24 – 48 months.
So if you carry $15,000 or more in credit card debt, then click here to find out how to reduce your payments!Reduce My Credit Card Bill »
#4 - Throw an Aspirin in the Wash and Be Left Speechless
Only aspirin can compete with bleaches and the top stain removing agents.This amazing tip will save your white laundry (and there's a bottle of expired, worthless aspirin somewhere around the house).
Here's how to do it:
Start by dissolving (5) 300mg aspirin tablets in 2 gallons of hot water. Crush the pills beforehand to speed up the process. The next thing to do is soak your white laundry in the mixture, and leave it overnight. In the morning, place the clothes in the washing machine, add a few aspirin pills again, and wash them as usually.
Please Note: This is a tip shared by one of our readers. Be sure to test this method out yourself before using it on clothes you care about (although we have not received any reports of bad experiences).
#5 - Paying More than $15.75/Week for Car Insurance? Here's How to Save $500 or More...
Did you know that depending on your age and other factors you could get a huge discount on car insurance? Recent studies indicate that only 5% of American drivers are paying less than $64 per month for car insurance. That is probably because most drivers are not taking advantage of the multiple discounts available to them.See My New Rate »
#6 - Rent Out the Spare Room and Pocket an Extra $700+ a Month
This one can put extra cash in your pocket, just by maximizing unused space in the house.
It's becoming increasingly common for homeowners to harness the earning potential of their property by renting out space to tenants or tourists. Rentership in the U.S. is near a 50-year high, according to the U.S. Census Bureau, with 35.6 percent of the population renting rather than owning a home as of the third quarter of 2018.
A large share of potential renters can make becoming a landlord attractive. Whether you have an English basement or a spare guest room, Airbnb has made short-term rentals fun and lucrative. On average, those who rent on Airbnb earn 4.5x more than if they were to rent to a tenant as a traditional landlord. That figure also accounts for a 30% vacancy rate, so there are things definitely attractive about this model.
To market on Airbnb, you're required to report the additional income you receive. But that income can easily cover the mortgage and other expenses. There's also the added benefit of being able to deduct any repairs and improvements made to that rental space!
P.S. Don't' want to rent out a bedroom, you could always rent out extra storage area or garage space!
#7 - Federal Homeowner "Remodel Incentive" Gives $21,573 for Home Improvements
Homeowners across the country are using the new Federal "Remodel Incentive" that puts an average of $21,573 back into the home owner's pocket, which can be used to pay for home improvements and other expenses.
Millions of homeowners have already taken advantage of this incentive, but an estimated 40 million homeowners could still be eligible to receive their cash savings as early as this March — and deadlines may be approaching soon.
While most are using the incentive to pay for kitchen and bath remodels, others are getting new windows, the roof repaired, and updating appliances. Meanwhile others are using their cash savings to take a much needed vacation, pay off debt, and even fund a college savings plan.
These programs are all thanks to the Government's effort to stimulate the economy by helping homeowners greatly reduce their monthly mortgage payment and boost home values across America.
IMPORTANT: Homeowners that have not yet filed to claim their savings are urged do so right away before deadlines are announced. Checking eligibility only takes about 60 seconds and is 100% free when using the the Home Remodel Programs website.
Keep in mind that homeowners with a 600+ credit score and a mortgage balance over $105,000 are more likely to qualify.Check My Eligibility »
#8 - Use Soda to Clean The Most Stubborn Areas of Your Home
Who knew one of the world's most enjoyed drinks could be such a practical household staple? Coke is similar to an acidic cleaner. The quantity of acid in soda is sufficient to erode at the enamel of your teeth, making them more vulnerable to decay. So why buy those expensive cleaners when you can perfectly clean those stubborn stains with Coke. You can use it for a variety of household chores, such as...
- Remove grease stains from clothing and fabric
- Clean a toilet; pour around bowl, leave for a while, flush clean
- Clean tile grout; pour onto kitchen floor, leave for a few minutes, wipe up.
- Descale your kettle
- Remove marker stains from your carpet. Apply Coke, scrub and then clean with soapy water
- Clean your windows; soak a cloth with Coke and rub your window. Then simply wash the glass pane with water
#9 - Stock Up Your Fridge and Reduce Your Energy Bill
File this under strange-but-true: A full fridge regulates temperature better than an empty one. Open space in your refrigerator fills with warm air whenever you peek inside, making your poor appliance work overtime. Your grandparents' fridges were smaller and easier to fill, so it wasn't an issue for them. But today's larger fridge/freezers can waste significant energy.
So go ahead, stock up on veggies, meat, and milk — just don't let your grocery costs run too high in the process. If you can't fill the fridge with usable food, place pitchers of water to take up the space. It's recommended to set your fridge between 36 and 38 degrees Fahrenheit for max efficiency.
#10 - Never Pay Out-of-Pocket For Costly Home Repairs Again
Many homeowners simply don't have enough money lying around to pay for expensive home repairs. Your home insurance won't cover your washing machine or AC breaking. What if your heater breaks when you need it the most? Who amongst us has hundreds or even thousands available at a moment's notice for such a repair?
This is why many homeowners are getting this new Home Warranty Program and they may end up saving thousands in the long run. The AC, electrical heaters, appliances, roofing repairs – it's all covered! If there's something they can't fix, they will simply replace it.Click to Learn More »
#11 - Bump Up Your Car's Fuel Economy
Did you know properly inflated tires can improve the fuel economy of a vehicle by as much as 3.3 percent
The average car has a fuel economy of 24.7 miles per gallon. If you increase that by 3.3 percent, that's an annual cost savings of $193 just for having the right amount of air in the tires!
That may not sound like a lot, but remember... small amounts of savings here and there can quickly add up to big amount of savings by the end of the year. Likewise, a lot of little expenses can add up to big monthly bills.
#12 - Get 70% Off Life Insurance and $1,000,000 Tax-Free
If you have a family, life insurance is a must. Most people don't have savings large enough for their family to pay off their mortgage, cover childcare costs and ensure their children get a good education, never mind ensuring your loved ones don't inherit your debts.
Life insurance companies know all of this and the bigger the policy, the more they profit. So, they've been charging high rates for years – but that's all starting to change.
Fortunately there is a way to get a very cheap life insurance policy. You need to compare quotes from multiple insurance companies. This amazing website does that for you, and the best part is it's totally free! The site will run your information through their technology to automatically find the best life insurance policies available at the lowest possible price. You could end up saving up to 70% on life insurance!
No medical check and instant approval policies are also available. Click here to see available plans.Save on Life Insurance »
By taking advantage of any of the programs in the list above, homeowners can easily save thousands of dollars a year -- and for many years to come.
Don't Forget to Claim the Most Popular Money-Saving Discounts…
1. Take $3,252/year Off Your Mortgage: Click here to see if you're eligible!
2. Get Rid of Credit Card Debt: Click here if you have more than $15,000 in credit card balances.
3. Get Cheap Life Insurance: Click here to search discounted rates on life insurance!
4. Remodel Your Home: Get $21,573 with the Federal "Remodel Incentive" to Pay for Home Improvements.
5. Reduce Your Car Insurance: Click here to save $500+ on car insurance!
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