Let's talk about what you can save for in January but let's use this approach, making changes. Changes to make in January to save money all year long.
We all know that January is the time for change. While you may be focused on your waistline and bad habits, why not focus on your finances as well? In fact, it can be a lot easier to save money than learn to love rabbit food. Ok, not rabbit food but you know what I'm getting at!
Making changes that will benefit our finances is key my friends. This is why instead of confusing on what to save for like we had on the previous month, approaching on changes that are not only benefits for the month but the year seems like a great idea.
Let’s take a closer look at some changes to make in January to save money all year long.
5 Changes to Make In January to Save Money All Year Long
Drop the Cable/Satellite
Did you know that the average home pays $150 or more for cable or satellite TV? If this sounds like your home, you need to consider dropping the service. Now, wait a minute. I’m not asking you to give up TV. There are so many streaming services that allow you to watch your favorite channels live for $50 or less per month. That’s a huge saving. Sling, PlayStation Vue, Direct On Demand, and Hulu are just a few of the companies offering live TV.
Mohu antenna will cost you less than cable we recommend it!
Switch Cell Phone Providers
Do you have to watch your data limits and still pay close to $100 for your bill? Forget that. You can switch to a company like Straight Talk and pay $35 to $45 per month for unlimited talk, text, and data. There are even some companies that charge less. It just depends on what’s available in your area. Best of all, many of these companies don’t require a contract.
I have been a customer of Republic Wireless and I have never looked back. I have paid as low as $14 for my smartphone service at one point. People are so into big communication companies and quite honest you get the same service with small companies. Sometimes we even overpay for services we don't really need.
Call Your Creditors
Do you have credit card debt? Call your creditors and stay on the phone until you’ve dropped the interest rate. You may need to speak to a manager before this happens but keep pushing. If you’ve paid your bills on time, you deserve this.
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Switch Insurance Providers
Don’t you hate paying a high price for something you hope to never need? Car insurance, home insurance, and even health insurance can be expensive. Take the time to research your options and get new quotes. You may be surprised at how much money you can save.
Unsubscribe from Unused Memberships
Last, but not least, if you have subscriptions and memberships you aren’t using, now’s the time to drop them. Start the year fresh by not paying for the things you never use. Gym memberships, magazines, Netflix, etc. Go through last month’s bank statement and see where your money went. If you see charges to services you’re not using, unsubscribe.
It’s not hard to cut your costs. Whether you change how you watch TV or switch insurance providers, you can make changes in January to save money all year long.