There are so many ways to save money on your bills and spending habits.  I will only be touching on a few today.

Let’s start off with an easy bill, your cell phone.  We all have one, and most of us can’t live without it!  Are you on a plan?  If you are, call your cell provider and ask them if there is a cheaper plan.  Tell them you are thinking about switching to another provider.  (See this route below.)  Most of the time, they are willing to offer you a discount, either a different plan available or sometimes they will offer $20 off for being a great customer or longtime customer.

Either way, a savings of $20 a month, is $240 a year!  What could you do with an extra $240 a year?

Have you thought about changing cell providers?  Do your research!  Check all the other providers with great coverage in your area.  Yes, they ALL say they have the “best” coverage.  The reality is different parts of the country will have better coverage through one provider over another.  Ask friends, co-workers, or family, which provider they have and if they have any issues, big or small.  After doing your research, decide which provider would best suit your needs and see what they have available.  Do they have contracts or not?  Do they have a better plan or contract?  How much will you save?

After you try this with one bill, and create a monthly saving of $20 a month, for example, it will probably motivate you to want try this with the rest of your bills.

[By the way, if the sheer amount you could save in a year doesn’t motivate you to try, you could send me the $240 every year. 😉  Just kidding.]

Thankfully, now most cities allow you to choose your electricity.  Is there a cheaper provider in your area?  What are they rates per kilowatt?  What is their monthly fee, if they have one?  Do they have free weekends or nights?

Cable, if you have it, (I dropped cable years ago) you can call the other companies and see what specials they currently are running.

[I have been using Hulu for almost a year now, $11.99 a month with no commercials.  For a free 30 day trial, go through my link.  Disclosure:  I do receive a referral fee, if you sign up after the 30 days.  I love Hulu.  They have some of my favorite current (and old) shows.  Plus, I don’t have to watch commercials!]

Internet, is one thing I personally cannot live without.  I am under a contract, but I always call before the contract is up to see what “new” contracts are available to me.  Therefore, saving money every year.

Spending habits, well to me, these are so easy now, especially when you have a smart phone.  Figure out what you spend most on.  Is it fast food, eating out in general, groceries, or maybe a daily cup of coffee.  So many places now, have apps for their business/products.  You might even have already installed these apps on your phone.

What is the most important thing about those apps?  Using them, of course!

Don’t JUST download the app, use it to YOUR benefit.  See what benefits they have for not only using it, but using it often.  Maybe they have a “club” or a “reward” promotion within the app.

Yes, this means more research for you.  But, at the end of the day it can add to your savings for the year.  For example, let’s say you buy 6 cups of coffee per week.  If you use their app and it saves you $1 a cup.  How much would you possibly save per year?  $312!

Hopefully by now you are excited about how much money a few of these ideas could save you in a year 😉