I’m sure these days most people are looking for ways to save money. Here are a few things that have helped me and hopefully you can benefit from doing these as well.

1. Don’t pay an annual credit card fee. There are many cards that don’t have fees and still include the extras like warranty extension and travel insurance.
2. Cut back on going to restaurants, and for when you do go, consider getting your local Entertainment Book, which includes a lot of 2 for 1 deals at restaurants. It can pay for itself in a couple outings!
3. Consider switching you local phone to a VOIP provider like Primus or Vonage. For $30 you can have local, long distance, caller ID, messaging and all the other bells and whistles.
4. Get a quote on your home and auto insurance to make sure you’re getting the best price. Staying with the same insurer can get you loyalty discounts, but if someone else is cheaper it might be time to change.
5. Switch to compact fluorescent lights (CFLs). While the bulb will cost more than a regular bulb, one $3 bulb can save you $15 to $50 in energy savings over the 5 year life of the bulb.
6. If your cellphone contract is up within the next few months, call the company and ask to speak to their retentions department. If you let them know you’re considering switching to another provider, most are able to give you a deal better than you’ll find advertised.
7. Instead of buying coffee at Tim Hortons or Starbucks, make it at home and bring it to work in a thermos or travel mug. This will also save you some time in line ups and gas from no making the detour!
8. Review your cable TV package, are there any channels you can do without? You might be able to save $20 a month by downgrading one tier.
9. Using a water filter at home instead of buying bottled water can save quite a bit. I have a water cooler, but instead of buying the large bottles, I have a refillable bottle and just replace the filter every 3-6 months.
10. Install a programmable thermostat. The thermostat can be programmed to reduce heat or air conditioning when you’re away or asleep. Energy Star states that homeowners can save $180 a year by properly setting their programmable thermostats and maintaining those settings.

This certainly isn’t everything you can do but it’s a step in the right direction to keeping more of your money. In the future I’ll post another 10 money saving tips, so let me know what you’ve been doing to save money!

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