There’s this process that every hard-working adult must go through… It’s almost considered as a right of passage; This process is called “adulting.” Adulting is the process of doing what needs to be done in order to function in daily life. This process is also something that adults don’t want to do but it’s very necessary; It’s also something no adult can avoid.
Adulting comes in many forms, for example, more than half of the US is unhappy at their jobs but they work these jobs anyway because it pays the bills. There are so many people who’ve gone to college and received degrees, only to work a job that they absolutely hate or aren’t getting paid enough. This is a part of adulting that lots of Americans experience. Very few people get to work a job they actually enjoy or went to school for.
The other side of adulting, in relation to working, is paying bills. Paying bills is probably the worst part of adulting, simply because as soon as you get paid, there is some type of bill you have to pay that takes away from the money you just earned. Unfortunately, paying bills is something you just can’t avoid.
But the great news is that your bills don’t necessarily have to consume your entire paycheck. There are some daily habits and lifestyle changes you can make to drastically lower your bills and stretch your paycheck much further.
If you’re needing help getting more from your paycheck, read on to learn about certain daily habits and lifestyle changes to make to get more from your money.
Helpful Tips to Cutting Down on Your Monthly Expenses
Ditch the Morning Coffee Runs
If you’re anything like most hard-working people, your day can’t get off to the right start without a hot cup of coffee. This isn’t a bad thing… Coffee has the caffeine most people need to have a productive start to their day. But, in your coffee consumption, do you make your coffee at home or do you have to stop by coffee shops on your way to work?
If you’re like the many coffee lovers in the world, you probably stop by a coffee shop at least a few days a week… This can eat your paychecks faster than you realize. A tall, standard cup of coffee at Starbucks can cost you $1.85, which isn’t much, but to spend that five days out of the week would cost you $9.25 total, and that could buy you a big canister of coffee for you to brew at home. Buying coffee at coffee shops is a complete waste of money, especially when you’re trying to stretch your paycheck. You’ll be better off investing in a single-cup coffee maker.
Buy Store Brand Groceries and Products
There is nothing wrong with store brand groceries and products. True enough, there are certain groceries and products that may not be of the same quality as name brand products but that’s why you have to look at the ingredients on the back of items with labels. From pasta noodles to cleaning products, a lot of times, the ingredients are the exact same as name brand products.
Store brand is just as acceptable as name brand, and when it comes to stretching your paycheck, you should never turn your nose up at that, especially when they produce products that allow you to shop according to what you can afford.
Switch to Alternative Electricity
Aside from paying your rent/mortgage, your electricity bill is the next bill that’s the most expensive for lots of people. In fact, between the air conditioning and leaving your lights on, most people have no clue just how much electricity they actually use on a daily basis.
This is very common, but because you don’t know how much energy you use daily, you should switch to electricity generated by renewable resources. Power Setter is a company that gives customers the freedom to shop the lowest electricity rates in their area, and you can pay your electricity at a fixed rate every month too, so there are no month-to-month fluctuating prices.
Cook More and Eat Out Less
Cooking at home more is one of the best ways to stretch your check because you’ll have more food at home to eat versus using your gas to drive somewhere and pay for food to be prepared for you. What people don’t realize is that you’re paying all that extra money for the convenience of not having to prepare the food yourself. Just imagine how much you could save on food when you cook yourself.
And you can no longer use the excuse of not knowing how to cook because there are all kinds of tutorials and videos for all kinds of recipes. So if you want to save even more, whip out your recipe books or have videos pulled up of your favorite meals to cook at home and become your own chef, and save money while doing it!