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11 Underused Ways to Reduce Monthly Expenses

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Are you looking for ways to save money on monthly expenses? Can you even trim those regular monthly bills?

Why yes, you can!!

When money is tight, you look for any way to save money.

At least I did. I remember one time, I was so desperate to save money that I started washing all my clothes in cold water. It might have made a difference, but it certainly wasn’t noticeable.

These tips, however, will make a noticeable difference in decreasing your monthly expenses!

Reader's Question: What are monthly expenses that could get eliminated or reduced, but are often overlooked?

You CAN save money on every day expenses and tighten down your budget. Click through to see all the ways to SAVE money! | Cook With a Shoe

In fact, over the course of one year, I was able to save $822.80 in reduced monthly expenses simply by:

  • Lowering my car insurance.
  • Getting rid of unnecessary features on my cell phone plan.
  • Switching to a different internet provider.
  • Bundling cell phone and internet bills.
  • Keeping my AC at a warmer temperature during the peak times.

I was completely blown away at how quickly the savings add up and will continue to work on reducing even more monthly expenses!

Now, if you are really excited about tracking how much you can save. I recommend signing up for my Increase Your Monthly Savings free 5-day course. Just click the image below to sign up. 

Too often we are lulled into paying the same bills month after month and never stop to think if that bill is even a) necessary or b) the cheapest rate to pay.

But, that doesn’t have to be the case!!

You can reduce your monthly expenses with some intentional thought, giving yourself some financial margin and having some extra money to put towards your money dream!

Switching to a competitor saved me $30 a month!  Click the 'Read More' button. 

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About the Author

Hi! I’m Charissa. I was able to pay off all my debt, pay cash for my husband’s education, and build up my savings-all because of using a budget. I love to share all the budgeting tips I’ve learned with you so you can have a successful budget too! Read more…

Kaeleigh
2016-01-18 09:39:10
Earlier this month my husband and I were going to go with a different trash/recycle service and save $18 per quarter, but my husband called our current provider and they agreed to match the price which was great! We also called our cellphone provider and since we have been members for a long time we asked to knock off the bill $20 and the agreed. We also did the same with our cable internet provider, which is the only provider in this area, and saved an extra $10!
Andrea Velsor
2016-01-18 10:31:49
These are great tips! Also ask about discounts based on where you work. When I worked at a university, I got some discounts. My husband works for a large company, and we get discounts on our phone plan, Costco membership, and gym membership. Also, adjusting tax withholdings can add more money each month. We did that, and we are still getting a refund but not as large. I'd rather have more money each month than get a refund, which will be taxed the following year.
alexandra @ my urban family
2016-01-18 12:20:58
These are great tips! I haven't had cable in so long and it's so nice to not have to pay for a distraction I don't need anyway! The internet has so much if I am craving some tv downtime.
Kristin
2016-01-19 12:35:28
Cell phone prices need to come down in general! It just seem like such a scam in general. I just signed up for health insurance as a freelancer and it's soo confusing. None of it makes sense to me and my eyes want to pop out of my head when I try to read everything. It was much easier when my employer paid it :)
Charissa
2016-01-23 08:55:34
I agree! Health Insurance is tricky, I have found it helpful to go through a broker who can help explain what coverage I am getting and answer any questions I have. But, Kristin, as a freelancer, you can deduct the cost of your health insurance on your taxes.
Charissa
2016-01-23 08:58:51
Great points Andrea, thanks for sharing them. I have been freelancing for a long time and didn't even think about employer discounts. As far as taxes, my goal is to balance my taxes and my income to be within a couple hundred dollars either owed, or refunded, by the time April comes around. If you are getting a large refund every year, it is best to adjust your withholdings to have less taken out each check.
Charissa
2016-01-23 09:00:21
Awesome Kaeleigh! If your current provider will match a competitor's price, it certainly saves the hassle of switching. I like the idea about seeing if you can get a long-term discount as well.
Charissa
2016-01-23 09:50:35
You are right about the internet being enough of a distraction, Alexandra! I am glad to hear that you have managed just fine without cable. I've never had it myself, but know it can be very expensive.
Holly Craw
2016-01-23 13:27:25
My best savings has been on health insurance. I opted out of the ACA plans and marketplace when my prior insurance was going to raise my monthly rate by $120 and force me into the marketplace. Now, instead of paying $360 a month for a $6000 deductible, I pay $150 with only a $500 deductible for major medical. It is through Christian Health Care Ministries and is a health care sharing pool, rather than traditional insurance. However, it is the Affordable Care Act has a clause that recognizes sharing pools such as this, so there is no penalty. I am expected to cover the basic medical cost (routine checkups, chiropractor visits, etc), so these are out-of pocket, but you can negotiate for the cash, self-pay price. If something happens (from broken leg to heart transplant) the need is distributed among the subscribers' monthly amount until it is covered. Since I rarely go to the doctor except for annual exams and very occasional other medical needs, this works really well for me. (I am on the highest tier of this plan, and pay about another $80-100 annually to get added coverage so there is no maximum payout.) Another benefit is that I get a free month for each person I refer who stays in for three months. Groups such as employers, churches or civic organizations can join and the referral fee for the members goes back to the organization, but I think the original introduction of the group gets a referral fee back to the one who introduced.. Ultimately, an individual could get the plan free if one worked at recruiting. There are four similar companies that I found, and I did made a comparison chart of them all. I am happy to share if anyone is interested. (hollycraw at gmail dot com) Charissa, you could probably collect enough information about referral fees that are offered by various companies to have a good-sized article.
Charissa
2016-01-29 19:22:50
Holly, that is great that you found a way to save money on health insurance! It sounds like you have really researched the options extensively. Thank you for sharing your experience with us!