Every day people try to find ways to save money by skipping their morning Starbucks or clipping coupons. However, people don’t think to look directly at where the money is leaving their pocket: bills. According to an article published in USA Today in 2018, the average American household spends nearly 90% off their annual income on goods, services, and taxes every year.

Luckily, there are ways to save money every month in places people think they can’t budge. Here are three places to start saving on your bills TODAY.

Utility Bills

The most common way people save money on their bills is by looking at their utilities. There are so many easy ways to save on these services whether it’s by keeping your lights off when you’re not in the room, minimizing on water intake, or turning off your wifi at night. Even something as simple as changing your light bulbs and changing your vent filters can make a difference in the long run.

The Cell Phone Bill

It seems like there’s always some new deal to help save you money on your phone bill. However, if you’re a person that doesn’t use your phone for anything other than phone calls and emails can afford to lower the data plan. Paying for more than just data? Check “services” on your cell phone bill. Cell services could automatically include luxuries such as international calling, built-in web security, or hotspot coverage that the average phone user doesn’t need.

Your Credit Cards

Credit card debt is an issue for nearly every American. The average amount of credit card debt in the state of Florida is $6,388. Consolidating this debt fusing your debt into one, preferably a low-interest one-can help stop you from paying multiple large payments every month. There are several ways to consolidate debt from taking a personal loan to using a balance transfer credit card. It is best to speak with a financial advisor to find out what is best for your lifestyle.

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