While not all of these strategies are applicable to you, you can reduce your expenses by thousands every year by employing a few.


Now I can hear my grandmother:

“If you don’t ask you’ll never find out!”

She was correct. This tip has saved me thousands of dollars and counting.

You can approach it two ways:

Act proactiv

Call a service provider you make regular payments to like cable television, cell phone carriers or even trash service. Thanks them for their amazing service, and after that … ask for discounts.

It’ll take only five minutes. A five-minute call could lead to years ofdollars savings.


This isn’t an attempt to get around paying for the service you have used.

This is illegal. It’s also illegal. Do not do it.

After that is over we all been hit with a bill that has surprised us.

My wife received the sum of $500 for a test she had agreed to take. Contrary to what she was informed by her insurance company, the cost wasn’t covered.

My wife wanted to pay the cost and go on with her life. I suggested that she call me to discuss her mishap and ask politely for an offer.

What’s the result?

They received $300 off

How many times have you missed a phone call because you were busy? You could be missing hundreds, or perhaps hundreds of dollars.

In reality, Noah Kagan pocketed $2,000 using this method of by asking a single question!

What is the worst scenario?


Risk of no downside and infinite upside makes this my top savings activities.


When it comes to saving money, some people just can’t give up their luxurious automobile. This is fine as long your financial plan isn’t in danger.

It’s more economical to purchase than to lease when the intention is to save money.

You’re looking for a reliable, vehicle that you can keep in the long run.

What is the reason?

You will not be making vehicle payments if the auto loan has been completed.

But, leasing means you won’t own your vehicle. You’ll always be making monthly installments towards an asset that decreases in value every minute.

A lease exchange is an excellent option if you are stuck in the middle of a lease and would like to break free.

The bottom line is: To save more money look into renegotiating your lease and buying an older car with low mileage.

DELETE your BUDGET…TRACK your expenses instead!

Budgeting is usually the subject of the focus. But, keeping track of your spending is the key to saving money that no one discusses. I have found that those who are financially successful know exactly where each penny goes every month.

It is easier to make educated decisions when you know where your money is going.

Knowledge is power.

Is it good or bad?

It depends!

Golf is REALLY important to me. So much so that I’m willing sacrifices in other areas to keep the expense.

My wife and I decided that $3,000 per annum spent on cable TV was not worth it.

We were capable of reduce our bill by over 60% with this knowledge.

If you’re not tracking your expenses, you don’t know where your money is going. Which makes it impossible to figure out how and where you can make savings.

This is a 3 step process to keep track of your expenses and cut costs.

  • Pick a tracking solution that suits you. It could be something similar to Mint, YNAB, or even our free fillable spreadsheet.
  • Track your expenses for three to six months. Do not make judgments on your spending habits or rush to make changes. Keep be aware!
  • Review your alternatives. This information will allow you to identify the highest cost first, and then evaluate whether it is in line with your goals. If not, you must take action!

Because this exercise could easily slip out of sight My wife and I have hired a bookkeeper who will track our expenses on our behalf. Every quarter, we meet with her to review our financials and discuss changes we’d like to implement or goals we’d like to achieve.

The trick is to build an efficient, repeatable system that works for you. Keep at it, and you’ll see the magic happen.

SCAN to get free entertainment

Does it cost money to be able to have fun? Sometimes, it does.

It is necessary to pay for attend a concert, and nobody is letting you eat for free.

However, there are plenty of ways to enjoy yourself without spending a dime.

You can save money by setting aside $0 per month for entertainment. You can enjoy as much as you like without spending money.

These are some great free entertainment ideas to start you off.

  • Learn to practice yoga on YouTube
  • Find Meetup groups that fit your desires
  • Register for free trial to try the various streaming services.
  • Have fun playing a board game or take part in the daily NY Times Crossword Puzzle mini!
  • It is possible to start an enviable garden with seeds from the neighborhood seed sharing program

There are many ways to reduce costs and enjoy yourself So don’t let anyone convince you otherwise.