|Monthly budget (illustration)|
By: Michelle Parker WorldWideWeirdNews.com
When we keep our monthly bills low, we can work less and have more time to be home and actually enjoy the things we pay for.
Here are some tips to lower your monthly bills.
First, make a list of all your expenses, such as mortgage or rent, utilities, phone, food and clothing.
This will give you an overall idea of your spending.
For an entire month, write down every penny that you spend.
Dedicate a document on your phone where you can record every penny you spend, and do it as soon as you spend it.
Every time you shop and before leaving the store, record the amount you spent into the notepad.
Every time you go out to a restaurant or you just grab a snack at a convenience store, write it down on the list in your phone.
This will give you clear picture of your finances.
If you need more time, you can record your expenses for two months or more, so you can see where your money is going and where you can cut.
During this month, try to shop at three or four different big supermarkets.
Save the bills and at the end of the month, compare the prices on the big items that you buy every week.
While your friends may find one supermarket to be cheap, you may find that another supermarket is much more cost effective on the food that you use often.
Then start shopping at that supermarket, this way you will save money on groceries without compromising on the quality of the food that you like and that you are used to.
Another very good way to lower your monthly bills is to call different utility companies and compare prices.
When you have a few quotes, call your provider and discuss lowering your monthly bill.
Let them know that you are looking to lower your bill and that you are considering switching to a company that is offering the same service for a lower price.
Many companies will work with you and match the lower price or they might at least give you a better offer so that they can keep you as customer.