cut expenses on your refinanceWe’re all looking for ways to save a little money and thanks to the following tips it may be easier than it seems. There are many things that many of us pay for on a weekly or even daily basis that could easily be cut from our budget. It just takes a little forethought and a little commitment. Here are the top items that can be cut from your budget with little consequence.



Don’t worry, we’re not crazy – we’re not suggesting you cut coffee altogether. We’re just suggesting you stop pay several dollars for a single cup. We’re simply suggesting that instead of paying $4-$5 for a single latte, you make one at home. A person who buys one latte a day, 5 days per week, can save over $1,000 in a year by simply cutting out this habit.



In this day and age many people really don’t need to take on the expense of cable television. The reality is that many, many shows are available on streaming sites and most new TVs can connect directly to those sites. If you don’t have a newer TV, then try a video game system, or even specially made boxes you can get for around $50 and allow you to stream to any TV. Though the streaming sites do require a monthly subscription, you can subscribe to the both of the two major ones for a combined total of less than $20 per month.


Your Mortgage

No, we’re not suggesting you walk away from your home. However, now may be a good time to look into refinancing. Virtually everyone can get a lower interest rate today than they did 10 years ago, unless of course there have been major changes to your credit or your income. Though, if those changes have been positive changes, then you’ll be in an even better position to get a lower interest rate. Check out for information on all aspects of refinancing and to get help deciding if now is the right time to take the plunge.



More and more magazines are going out of business but that doesn’t mean there aren’t still great ones out there. In fact, the ones that have stood the test of time have done so for a reason. We don’t encourage people to stop reading them altogether, but if you find yourself stopping by the newstand and buying a magazine every week, then it may be time to look into subscribing. Newstand prices are typically around 5 times the price you’d pay if you subscribed. That means that if you only read 1 out of every 5 magazines, you’d still be breaking even.


These simple tips demonstrate that there are always simple ways to make a significant impact on your finances. None of these require you to give anything up altogether – they simply require you to get a little creative and think about things differently. Why stop with the items on this list? Take a look at your expenses and see if you can come up with creative ways to make significant changes.

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