Ten simple ways you can lower your expenses

 1.      Set a budget

Before doing any action, figure out first what you think you need to work with - and then prioritize your expenses. Setting your budget is perhaps the best step to start minimizing your expenses as this serves as a guide on how much you can spend, and what you can spend it with.

 2.      Make a list

By creating a grocery list, you can minimize unnecessary purchases that can hurt your planned budget. Furthermore, this prevents you from forgetting what you actually need to get - so you won't have to make a return trip just for it.

 3.      Shop smarter

Examine your supplies first before going to the grocery store. There are promotions for bulk purchases which seem attractive - but if you don't see the need, then you shouldn't go for it. Also, look around for cheaper alternatives and try to make some smarter choices.

 4.      Bring your own lunch

On a daily basis, the money you can save from not eating out will snowball to a bigger amount by the end of the week. In addition, you are free to decide on what you'll be eating - you can go for healthy salads in lieu of greasy cafeteria food.

 5.      Unsubscribe from mailing lists

Many retailers have email alerts that are sent out for promotions and sales. Receiving such emails triggers urges of spending - so take it out before you even get them.

 6.      Consider used things

By going to thrift stores, garage sales, or even to online sellers, you can save a lot of money if you buy used items instead of new. There are numerous items that are better bought used such as sturdy furniture, because they are most cost-effective and they remain durable for a long period of time.

 7.      Go carless

Granted, not everyone can give up driving especially if you are an hour away from work. However, think about the trips to the grocery, to the park, and to other places in the community that you drive your car to. It could save up on gas and parking, in addition to the health benefits of walking or biking.

 8.      Look into your services and utilities

Contact your internet and cable providers to check for more affordable plans that they offer. If you are able to eliminate at least one - such as cable, then you can make better use of the internet as many shows now also stream online.

 9.      Save first, spend later

Always make sure that a good percentage of your earnings go straight to your savings. Many make the mistake of spending and paying the bills, and only saving what is left - which is why many are unprepared whenever an emergency happens.

10.  Reward yourself once in a while

Provided you are sticking to your budget and making smarter choices, then it is recommended that you reward yourself once in a while. It could be a new pair of shoes, or a nice dinner with your family - so you can have something to look forward to while you are in the middle of a tight budget. Plus, it is likelier that you will revert to your old ways if you keep on being hard on yourself.