Money Saving Articles

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Track your spending

The first and most important step to a debt free lifestyle is tracking your money. Where it comes from and where it goes. If you know where and how every penny is spent, then you can begin the journey toward financial responsibility. You can use any kind of method you want from a checkbook register to Excel, Quicken, your cell phone or even a notebook.…

Free Download: The Basic Budget

Because financial situations vary, it can be tricky navigating the world of budgets and money management software. The more variables in your household means a more complicated budget, so many people with simple needs can feel overwhelmed. I’ve created a basic budget that is a great starting point for those who are new to budgeting or are looking for a simple solution that works. The…

Create a basic budget

Saving money is more than just lowering your bills and clipping coupons – it’s about spending less than you make. The best way to ensure that you are in fact spending less than you make is to create a budget and stick to it. Many people don’t know where to begin, but billcutterz.com is here to save the day. Part One: Fixed Essentials – This…

Tips for saving on your grocery bill

Make a list and stick to it. The biggest way to go over budget when grocery shopping is deviating from your shopping list. Setting a budget will help you stay on track and ensure you’re not overspending. Don’t always buy the generic unless it is actually cheaper. Depending on the store, generic items aren’t always cheaper. When comparing unit prices, make sure the brand and…

Tips for lowering home insurance costs

Saving money on your homeowners insurance is easier than you think and you do have the option of shopping around. Follow these tips to lower your home insurance costs. Before buying a house, make sure to lookup the Comprehensive Loss Underwriting Exchange (CLUE) report. The CLUE report tracks insurance claims for properties and if your house has a bad claims history, your insurance premiums will…

Best Time to Buy: January

The first month of a new year means plenty of discounts, coupons and promotions to take advantage of. January is a great month for consumer bargaining power because most shoppers are not shopping because they’re broke from the holidays.

Tips for lowering car insurance costs

Before buying a car, shop around for car insurance quotes. Premiums vary by type of car, age, price, repair cost, safety record and likelihood of theft. And that’s not accounting for your driving record or location. Saving money on car insurance isn’t always as easy as a 15 minute phone call, but it can be. Choose a car that fits your all-around budget, not just…

Bartering and borrowing with your neighbors

Bartering is a practice that was lost through the growth of economical trade, but has been making a comeback. There is an organization in Kennett Square, Pennsylvania called the Kennett Time Bank that ups local bartering to a whole new level. The bartering service puts people together that will mutually benefit from something the other provides. The Kennett Time Bank relies on volunteers for everything…

4 Ways you’re overpaying

Paying a price for convenience. Buying prepackaged and individually-wrapped foods like sliced fruit or cheese is one way most people overspend without realizing it. You’re paying a high price for the convenience and the plastic. If you’re pressed for time during the week, set aside a few hours on Sunday to slice and package snacks for the week. It doesn’t take very long and doing…

Winter money saving tips

The easiest thing is to bundle up. Always wear long pants, socks or slippers and long sleeve shirts. Wool is a great insulator and will keep you very warm. Lower your thermostat. Leaving it at 68 degrees instead of 75 degrees will save you a ton of money. Make sure your windows are working with you and not against you. Open the curtains during the…