| Money is tight for many people these days and even | | | | watch much anyways. Check your local library to see |
| if you aren't feeling the crunch everyone can stand | | | | if they offer free movie to check out just like you |
| to save money on their monthly budget. When you | | | | check out books. You may also look into a lower |
| used to hear "A Penny Saved Is a Penny Earned" is | | | | priced channel package. It's unbelievable but even |
| true. You can take those saved "pennies" and put | | | | with all the channels available there are still times |
| them in an emergency fund for unexpected | | | | there is nothing good on TV. This is a time you can |
| expenses in the future. | | | | spend with your children playing games instead of |
| So, here are five things you can do today to save | | | | mindlessly watch TV. If money is extremely tight for |
| money on your monthly budget. | | | | your family you may want to consider cancelling your |
| 1. Cut Extra Features On Land line or Eliminate Land | | | | cable or Satellite TV for now. If you still have |
| line - Many times the phone company gets you to | | | | internet service you can watch many TV shows and |
| bundle with extra feature so you can save say $5.00 | | | | movies free online. |
| a month, but if you don't use those features and | | | | 4. Lower Your Broadband Internet Speed - If you |
| they cost more than $5.00 you are wasting money. | | | | have broadband internet you may want to check in |
| If you have a cell phone consider eliminating the long | | | | to lowering the broadband speed. This can save you |
| distance feature on your land line. You may want to | | | | sometimes $10 a month and you won't even be able |
| eliminate your land line altogether if you have enough | | | | to tell the difference in speeds. |
| minutes on your cell phone and don't use your land | | | | 5. De-Insuring an Extra Vehicle - If you have multiple |
| line that much anyways. | | | | vehicles that you drive you may want to consider |
| 2. Cut Extra's From Your Cell Phone - When money is | | | | de-insuring one for six months to a year and only |
| tight consider cutting extra's from your cell phone | | | | using one or two of your vehicles. Just make sure |
| service such as text messaging packages. You can | | | | you check with your insurance agent first and then fill |
| even call your cell phone provider and have them put | | | | out a de-insured certificate with your state |
| a text block on your phone so you won't receive | | | | transportation department if necessary. This |
| any text messages from anyone and therefore not | | | | certificate can often be completed online. |
| have to pay the $.20 a message to receive a text | | | | As you can see these are just a few way you can |
| message. You may also want to check into going to | | | | save money on what you may have thought to be |
| a lower minute package if you do not regularly use all | | | | fixed expenses in your monthly budget. Even if you |
| the minutes provided on your current plan. | | | | save just $10 each in a couple of these areas that |
| 3. Cut Extra Channels on Cable or Satellite TV - Stop | | | | could be $30 to $40 you could be saving in an |
| paying for movie channels that you probably don't | | | | emergency fund each month. |