USAinDebt

People often tend to overlook small things, but we have to always remember: the devil is in the details. Little things can change our lives, and it is not necessary that they are complicated. Take a look at this effortless list and pick what you can do to save some money the easy way.

Coffee, or the Starbucks Effect – since when do we need coffee every morning in order to get us going? Price it at least $2 per day, and in one year you can easily spend up to $600. Brewing your coffee, on the other hand will cut that cost in half.

Change your bulbs – 100 Watt regular bulbs burn 10 times more than an energy saving CFL bulb. It is good for your wallet; it is also good for the environment.

Call your banks and ask them to lower you APR’s or waive some fees. Ask to talk with a supervisor.

Save on transportation by riding the bus / subway or carpooling. Even if you do it only once a week, it will save you a lot of money on gas and other car expenses.

Don’t buy bottled water – tap water is perfectly ok to drink. At $2 per 1.5 l bottle, you are throwing away up to $1000 per year on water.

Buy generic products – they are made from the same ingredients but cost less, because you are not paying for the brand (and for their shiny packaging).

Unsubscribe from all those magazines, newspapers and cable TV. Take a walk in the park instead or read a real book.

Brown bag it and stop buying from the vending machine – first of all it is expensive, second its junk food and third one hour later you will be hungry again.

Buy stuff on sale, around the holidays and look for coupons online.

At the end, if you follow the above easy steps, you will probably save at least $3000 per year. Not bad, right?

Tags: save money | frugal living | gas