Common Sense ways to cut back — it can be done, saving $$$.

Heat/AC – When the heating season begins, don’t put the thermostat on what you’d have it on in Winter months.  Instead, as needed, start with 59-60.  You’ll become accustomed to that for a while.   Next month, add a degree or two – only if needed….and so on. Wear a sweater.  Before you know it, it’s Spring and begin to reverse the thermostat.  This saves $$$ over the Winter months.  In the Summer run the A/C the same as the heat, but in reverse.  Running a fan is even cheaper.  Follow the sun with your blinds – open to sun in Winter, close to sun in Summer.

Light – Proper lighting is needed for reading, project work, doing anything requiring seeing and avoiding eyestrain or falls. But when not needed, and certainly when leaving a room, shut off the lights.  Use energy saving bulbs in all light fixtures.  Night lights give off a lot of light too.

Food – Don’t waste food.  Eat or freeze leftovers. If expiration dates are coming due, cook and freeze.  Use coupons when shopping.

Phone – Make sure you’re getting the plan that fits your needs so you don’t pay extra charges.

Health Ins. Premiums – At ‘open enrollment’ check all plans and pick what works best for you.

Internet – Having internet allows you to have internet along with streaming features.  But rather than paying cable charges for channels they choose but you never use, drop the TV part of the bill.   Streaming services are available for $10 -15 a month, and gives you more than an ample variety of all kinds of shows and movies.  Each service has their own specials as well and they update often.

Car/transit costs – Keep your car in good working order. Pay your insurance premium when due, and in full, saving 5% or more.  Follow the rules of the road, avoiding tickets etc., and it also give an additional discount on your insurance premium.  Check all discounts you may be eligible for.