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by Carini
Rated: E · Non-fiction · How-To/Advice · #2183950
With the right knowledge, you can save a surprising amount on your basic necessities.

Cutting Down on Living Expenses


Many families find it difficult, if not impossible to meet their expenses and save something for a rainy day. As the price of products and services keep rising, salary increases seldom keep pace. By the time a graduate enters the work world, he is already in debt to loans and credit cards. This makes it hard for the graduate to find the kind of job that could help meet his expenses. From that moment on, the average citizen finds himself in perpetual debt that lasts a lifetime. They are locked on a treadmill that doesn't allow a moment of joy.

There are methods that can be employed by the average debtor to ease financial pressure that doesn't require living on a street corner.

The Food Budget

Food is a major expense on every family budget. Many products on store shelves are nutritionless and come packed with sugar, fat and unwholesome chemicals. Here are some tips where you can save more and not compromise your health:

  • Create a list of essential items and the amount you are prepared to spend on your food budget.

  • Check advertising fliers and newspapers for specials. Clip out some coupons.

  • Avoid anything that comes packed with sugar, fat and unwholesome chemicals.

  • Buy at farmer's markets where produce is fresher and doesn't come with pesticide residues and chemical preservatives.

  • Buy in bulk. Things like rice, pasta, beans and dried goods can last indefinitely and can be made to stretch over the weeks.

  • Buy geriatric brands. Items such as honey, baking soda and spices are all the same no matter what's on the babel.

  • Buy food at the grocery store. You don't need to purchase toothpaste, magazines, cleaning liquids that come cheaper at thrift and dollar stores.

  • Cut down on eating out. Do you really need to order in Chinese food and pizza when you can make your own pizza and TV dinner?

  • Create your own lunches instead of buyng at the fast food or the canteen for sandwiches.

Using Appliances Frugally

  • Wash your clothes with a full load. Wash them in cold water. Hang your clothes to dry instread of using your dryer.

  • Your dishwasher is a drain on power and hot water. Load it when you have a full load of dishes to was. Use the overnight dry setting, or keep the door partly open to allow the dishes to dry overnight.

  • An energy efficiaet refrigerator can cut down on power consumption. Ask of you really need an automatic ice maker.

  • Unless you are entertaining guests, don't use all four heaters on your stovetop.

  • Cook your turkey and chicken in the oven, but you don't need it just to keep food warm. A microwave heats food in less time than the oven burners.

Home Heating and Cooling

  • Get an efficient furnace

  • Clean the air filter regularly

  • Turn down the heat settings when you're not home or when you retire for the night. A cooler bedroom has been shown to aid breathing and stimulate circulation.

  • Wrap your hot water tank with an insulated blanket to keep the tank warmer longer. Turning down the temperature to 110 degrees cuts 3 to 5 percent on your heating bill.

  • Install a tankless water heater. Popular in Europe, you get hot water only when you need it.

  • Calk your windows and doors. A lot of room air often escapes to the outside. Well installed windows and doors can shave off up to 15% on your heating and coolong bill.

  • Run your air conditioner on off-peak hours.

  • Wear warm clothing and sweaters during the winter months to offset a lower temperature setting.

  • Let the sun in during the winter. Use curtains to block out the sun in the heat of summer.

There are plenty of other ways you can save such as using right lighting and entertainment expenses such as dinner parties, movies and eating out. Everyone can live frugally without having to sacrifice pleasure and convenience.




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