Balancing the household budget can sometimes be a tricky affair. A little more scrutiny of your financial affairs however may reveal some ways to save money. You may have some bills that are essential and you should not cut down on or the consequences could be dire. This includes your mortgage or rent and California Insurance policies. There might be some incidentals however where you are paying for things you possibly could do without.

Check your bank accounts for any direct debits being withdrawn automatically each month. Analyze these and ascertain if they are still needed. Sometimes when you set up a direct debit it keeps going beyond the time it is really needed. Examples of these may be:

•A gym membership – are you still using the gym, and is it the membership still warranted?
•Charity donation – while giving when you can is fantastic this may be something you can put on hold until you are more financially stable.
•Fees for paper statements being added to bills can mount up. Being able to opt for email bills can sometimes save money.
•Fees for electronic use of accounts might be minimized by organizing to withdraw less cash from ATM machines or by having fewer accounts.

Each saving may be small but together they could add up to quite a sum. Have a look through your bank statements and see if there are ways you can trim the fees or reduce direct debits. Remember though that sometimes having a direct debit to pay your bills could in itself save you money too. Check if you can save on your California Insurance through paying by direct debit. Also check with your agent for ways you might be able to reduce the cost of your insurance to save even more.

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Posted 12:00 AM  View Comments

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