9 places you can send money for your family

Most families spend more money per year (and not only because the cost of living rose) while saving less and less. One reason is that some heads of families spend much time, costs and expenses of the review to find ways to save money. But almost every family has places where costs can be reduced and can be squeezed ETRE cents - and the resources provided for the payment of debts and save for the future podríatener a dramatic impact on the quality of their lives.

The food is an area where many families might be more economical. Families spend an average of $ 2434 on food outside the home, according to the consumer expenditure survey of the United States Bureau of Labor Statistics. If you (and your spouse and children's) meals per day, and then to try brown ensachageou at least one of those days. If any of you do you can use up to $ 400 per year undWenn you double or triple the savings to finance a family vacation with him.

Another big load home. If the last time you saw refinancing? Do you have a lower interest rate? Can you once again with the short-term? Even if you can not change your mortgage payment to pay a little more per month to pay your mortgage tempsva faster. Also, do not forget their profits. There are ways,to this geborenIED and isolation and the updating of its time, taking into account the maintenance and cleaning of your furnace and air conditioning or the use of a programmable thermostat to use when your house is empty or the family sleeps.

Transport is another major cost factor for many families. Are not only expensive to purchase vehicles, but also for the maintenance and operation, particularly gas prices at a level so highch. Carpooling is a Optionfür a family member, at least part of the time? Make sure that the combination of shopping and trips to reduce travel and save money when buying gasoline, the use of special programs and discounts and other vigilant about the gas prices. Moreover, after a regular maintenance program adequatado tire and you can also with a maximum fuel consumption of the vehicle.

The choice of banking prudence Vielleicht another way to save money. Make sure that the bank offers free (or at least low cost), and verification of electronic invoices for payment. Electrónicoción bill and debit cards you need for the control of the motives, the transmission and storage in the long term and help MEJPrions settlement of payments to avoid taxes, penalties and higher interest rates.

Reduce the cost of credit card can be a bigs economy. This means that you have the best credit card with low interest rates and Weinig or no annual fee. Shop for your perfect and do not forget to cut and to the rejection of the vorderingenNTS.

The health sector is not really uneou if you reduce costs, but you can save money by providing special offers and programs. For example, many employers offer flexible spending accounts, you can get some pocket money before taxes for medical Kosten and prescription drugs, dental and zorg

Tuning ookIder your insurance, you can save money. When was the last time you compare the speed of house, car, and you? Other ways to reduce the costs are deductible, or the use of the same company for a portion of the coverage (of his house and vehicles). When shopping, make sure that your business keeps you going at once. SometimesYou a better fare.

Another iELANGRIJKE spending for many Familienund the cost of communication, such as local and long distance telephony, cellulaireares telephone, cable or satellite and Internet access. Check your cost and reduce serviciosno required. Can any of these costs will be combined to save money? Are there any plans that best suit their needs?

If you are looking to save money is important, an aggressive buyer. The Internet can nowprices and the evaluation of Produkteucten, while not spending much time and money to save. Each ticket demand (and their weekly shopping, cleaning, health and beauty treatments) deserves further investigation.

In the coming months will take the time to make your budget and spending in each of the nine areas. A number of changes in their patterns of expression of the family will soon make a difference in the GESAmten operating budget. Your family, Quallekeit of life, by some changes in your monthly budget.