Once a year we take the time to look over all our bills and see which normal and regular bills we can reduce.  Every single month, money is going out the door for things like:

All of these expenses come month after month and frankly, because they are so regular we often do not even think about them beyond simply paying for them.  However, sometimes there are easy ways to reduce these bills that we have never applied.  It may mean switching companies, switching carriers, or just giving your current company a call and asking for a reduced bill or a long-term customer discount. Remember that saving only $5.00 per month on a bill may not seem like much, but when expanded into the next ten years, it becomes significant.  While you are on the topic, make sure you are taking advantage of things like automatic bill pay and online banking where you can save the cost of postage and of course, the cost of late fees due to forgetfulness.

So, take the time this month to sit down with your spouse and talk about all these “fixed” expenses and see where you can save some money.  

Malia Russell is the blessed wife to Duncan, thankful mother to five children, ages newborn to 20 and an author, conference speaker and director of www.homemaking911.com and www.wheat-n-things.com. Visit her site for inspiration, encouragement and practical help in your roles as a godly wife, mother, homemaker or home educator.