To Do List for Cutting Household Expenses

There are a lots of ways to save money that don’t require a sacrifice. All it takes is a small effort to put the change in place, and you’ll reap the savings for months and years to come.

Here are a few tasks that will trim down on utility costs, insurance premiums and expenses you don’t make use of. Add them to your Cozi to do list and attack one a day, one a week or whenever you have a free moment.

• Call to get rid of unused cable channels
• Call about combining cable, phone and internet to negotiate a lower rate
• Go through your cell phone bill and cut unneeded services
• Schedule overdue car maintenance
• Call insurance companies to negotiate a lower premium
• Combine car, auto and life insurance if it results in reduced rates
• Get rid of your home phone if possible
• Stop subscriptions to unread magazines and newspapers
• Discontinue unused memberships
• Buy some reusable cloth dishcloths and cloth dinner napkins
• Get and use a programmable thermostat
• Set your washing machine to use cold water by default
• Displace water in your toilet tank (use a jug or bag filled with water) to reduce water usage