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It’s probably the same in most families … at least once a month, you sit down and figure out your monthly expenses. Looking through the bills, you are probably wondering … “How the heck are we able to spend this much?! What are we spending our money on?” Well, if you pay attention to your monthly expenses, most likely, you will be able to see where you can actually cut down on. Read on …

Take some time to shop around. If there is an item or service that you need, instead of buying the first one that pops up … do some research. Shop around for the best price.

If you can … park the car. If it is at all possible to walk to where you are going, do so. With gas prices right now, it’s probably a good idea – it’s great for exercise too. You could even carpool – that’ll help cut gas expenses. Just the same … shop around for cheaper gas.

Change your thermostat setting. In the winter, set the thermostat a couple of degrees lower. If it’s a bit cold in the house – just put on an extra sweater or socks. In the Summer, set the thermostat a couple of degrees higher – it may help to have an electric on.

Wash a full load. Try not to start the washing maching or dishwasher until you fill it up. It not only saves on water but also electricity.

Save water. Instead of taking long baths, take a shower. Make it a habit to turn your faucet off while you are brushing your teeth. Inspect all your faucets and sprinklers in your front and back yard and make sure that none of them are leaking.

Save on electricity. Turn off lights that you are not using. If no one is watcing TV, why leave it on? Same goes with the radio.

Pack a lunch. Instead of spending $5.00 every day on lunch, why not just bring a brown bag to work or school. You can pack your left overs from dinner the night before. You can pack a sandwich and some fruit. This might be even healthier for you and the kids. Try just making coffee from home instead of buying a cup every morning – saving you at least $2.00 each day.

These are just a few things you can do to start lowering your monthly expenses. Lowering your monthly expenses does not mean depriving yourself of anything. Try one, two or even all of these tips and watch your monthly expenses go down.