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 - Homeowners Get $3,252/year Taken Off Their Mortgage With The New Federal "Relief Program"
If you're a homeowner, this one thing could save yourself thousands of dollars this year...
The Fed recently issued new mortgage guidelines, which allows the average homeowner to get $3,252/year (or $271/month) taken off their mortgage as early as this January.
There's no telling how soon the Relief Program will expire, so it's suggested that homeowners complete the mortgage relief survey to check their eligibility right away.
While the banks happily wait for the program to end, a final push is urging homeowners to take advantage. The Relief 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 $15,000 or More in Credit Card Debt Use This Brilliant Debt Payoff Plan
With the skyrocketing cost of living in the United States, more and more adults are struggling with financial debt than ever before. And with interest rates snowballing the amount owed, owing on your credit cards can seem like a trap that can never be escaped. Here's what credit card companies don't want you to know...
For anyone with more than $15,000 in credit card debt, this debt relief program can greatly reduce the amount owed. The program can resolve debt without a loan – 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 - Get Government Rebates To Go Solar And Cut Your Energy Bill
Here's something the power company doesn't want you to know. A little-known government program allows qualifies homeowners who live in these specific zip codes to receive $1,000's in Government funding to install solar panels.
The program is called the Federal Residential Renewable Energy Tax Credit, which provides subsidies and rebates that can cover most of the costs associated with installing solar panels.
Has your power company told you that? Most likely not. Once homeowners go solar, their energy bill is drastically reduced — often to $0 or close to it. You can bet the energy companies are not too thrilled about that.
Homeowners can check if their zip code qualifies here and be on their way to eliminating electric bills.Check My Eligibility »
#6 - Enjoy Monthly Savings on Car Insurance (Saves $500 or More)
Did you know that depending on your age and other factors, car owners could get a generous discount on their car insurance? Recent studies indicate that only 5% of American drivers over the age of 50 are paying less than $64 per month for car insurance. That's a lot of people paying a lot more than they may need to!
This is probably because most are not taking advantage of the multiple discounts available to them. Luckily, finding these discounts and seeing how low your rate could be is super easy. It only takes about 60 seconds by using this free website to check for applicable disaounts.See My New Rate »
#7 - Rent Out the Spare Room
This one can put a little extra in the 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!
#8 - New "Window Replacement" Service Helps Homeowners Get New Energy Efficient Windows
Homeowners should never have pay full price for windows again. In the past replacing windows could cost a fortune. Worse yet, failing to not replace old windows could be catastrophic — causing water leaks, mold and mildew, and increased heating and AC bills.
Savvy homeowners understand that replacing windows is a home improvement investment that not only increases appeal, but can also put money back in the homeowners pocket with lowered heat and AC bills.
Thanks to this brilliant windows comparison site, homeowners no longer have to pay an arm and a leg for new windows, but can instead get them at the best price! The website gets the top licensed and insured vendors in your area to compete for your business — allowing the consumer to secure the best available price without hassle.
Additionally, by adding new windows, you may secure discounts, local promotions.
Every homeowners should check to see what they qualify for — especially those with windows that are more than 8 years old.Get New Windows »
#9 - Get a Big Break On Homeowners Insurance
Let's face it... everyone needs homeowners insurance, and the insurance companies know that. But how often do you actually use your insurance? Probably not enough to make up for the cost year after year. Home insurance should not be expensive.
Here's the dirty little secret the insurance industry doesn't want you to know...
Homeowners insurance is actually pretty inexpensive, but most people are paying far too much. In fact, as many as 57% of adults are overpaying for their home insurance. But that's all coming to an end thanks to this popular homeowners insurance comparison site.
In just seconds, you can search available rates from the top insurance providers that compete to give you the lowet rate... allowing you to get a big discount on great coverage. Many report they're able to save as much as 70% just by using this site to compare quotes for free.Get My Free Quote »
#10 - 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
#11 - 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 »
#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. They've been getting away with charging high rates for years – but that's all starting to change.
Fortunately there is a way to get a rock solid, yet cheap life insurance policy from top providers. All you need to do is 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 for seniors. Click here to see available plans.Save on Life Insurance »
Bonus #1 - Get $850 in Free Home Security Equipment
Did you know that a home without a security system is 3x more likely to be broken into than a home with security. While installing a home alarm system isn't just to stop burglars and intruders, it may also save you big money year after year. A house alarm could greatly reduce your homeowners insurance policy too.
It’s also important for homeowners to have a high functioning alarm system installed so that they can get medical aid in the case of a life threatening emergency, especially for those who live alone.
For a limited time, homeowners can get $850 in FREE equipment + a $100 Visa gift card!Register to Check Eligibility »
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. Go Solar and Enjoy $0 Electric Bills: Click here to see if your zip code qualifies.
4. Reduce Your Car Insurance: Click here to save $500+ on car insurance!
4. Get Cheap Life Insurance: Click here to search discounted rates on life insurance!
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