Top Spending Holes

Posted on April 3rd, 2013 by Discount Debbie

We all have holes in our spending or little places that we waste money. When trying to cut costs and save more money, finding these holes are a great start. These are some of the most common places people waste money. Check them out and then check out your monthly expenses and see if it rings true for you.

1. Interest rates on credit cards. With the average rate at 18%, if you carry a $500 balance, that’s $90 a year. It doesn’t seem like a lot, but when you can get rid of several of those $90 a year fees, it adds up. Don’t have the money to pay your credit cards off? That’s ok, call  your credit card companies and ask them to lower it. It sometimes works!

2. Cell phone bills. Check your minutes. If you aren’t using the minutes included in your plan, lower your plan.

3. Things you could get for free. Things I never buy are toothbrushes and floss among other things with coupons. Ever year you can get a free credit report, so no use spending that money. The dentist is more than happy to give you a toothbrush at your appointment and I bet they would if you just came to their office and asked for one. Don’t pay for things you could get for free.

4. Late bills. I am not talking about bills that don’t get paid because you’ve run out of money. I am talking about the bills that don’t get paid because you forgot. I won’t lie, we’ve lost bills before and there is nothing worse than late fees when that happens. Do what you need to make sure that doesn’t happen. Get more organized, set reminders on your phone or set up auto bill pay. Just do what you need to avoid those fees.

5. Late fees. Bills aren’t the only place you can get late fees. Library fines and movie rental fines can be huge! They are so unnecessary too! Take your stuff back on time and you’ll be good.

6. Paying for things you don’t use. Our list was the gym and cable. Got rid of both and we are saving over $100 a month!

What are some holes in your spending?

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