1. Call to Negotiate. Phone, cable, satellite radio, and internet providers often have special deals for new customers. They will oftentimes extend these deals to existing customers (especially if they think you might walk away), but you have to ask.
2. Pay with Cash. In this age of electronic transactions, cash might seem really old school. But repeated consumer studies have shown if you actually have to peel off those greenbacks you will spend less than using a credit or debit card.
3. Budget with Envelopes. If you have trouble staying on budget, every payday split up the money you will need and put it into envelopes for each category of your expenses. This will help you stay on track.
4. Put Your Grocery Costs on a Diet. Food is typically one of the highest cost categories for most families. One way to save at the grocery store is to resist buying on impulse, so make a list before you go and then stick to it. To earn some cash back from your shopping give a money-saving app like Ibotta a try.
