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How to Significantly Reduce Your Monthly Expenses

How to Significantly Reduce Your Monthly Expenses - how to save money, minimal living, minimalism, new year's resolutions

Unless you’re a famous celebrity or happen to work in a position that brings in boatloads of cash, then you’re probably like everyone else, and wish you had a little bit more money to play with. While you can’t magically gift yourself more money (though do think about asking for a raise, if you think you’ve earned one), you can bring more money into your life by reducing your expenses. This doesn’t mean reducing the quality of your lifestyle; it means keeping things essentially the same, but making sure it doesn’t cost as much! Below, we take a look at a few simple changes, which will lead to significant savings. By the way, as we are at the end of the year, this could be part of your new year's resolutions, haha.

What Don’t You Need?

Take a look at your monthly outgoings, and you might discover that you’re spending far more money than necessary on things that you don’t even really need. The biggest culprit is usually internet and TV packages. People vastly overestimate how much they need! While it would be enjoyable to have all the channels or all the streaming services, you’re going to pay big money for it - and if you’re not watching them, then what’s the point? Same goes for the internet. Enjoyable to have a super fast connection, but you probably don’t need that much bandwidth for what you’re doing online. Or do you really need to drink coffee or eat outside every day? You could make your own coffee at home and bring your own food to your work.

Buying in Bulk

Most of our purchases aren’t just one-off expenses. They’re things we buy again and again, usually as often as one time a week or more. For those items, you’re probably spending too much if you’re buying them one at a time. Instead, make the most of deals, and buy them in bulk. If you know you’re going to eventually use twelve packs of an item, then you can save a lot of money by buying them all in one go. Plus, it’ll also save you time, too, and let’s not forget that time is money!

Ditch the Car

There are some things that are viewed as essential to living, but which really aren’t. Private transport is probably one of these things. It can’t be an essential aspect of being a human if it’s only been around for one hundred years. While there can be advantages to owning a car, it makes more sense to use public transport if you can’t comfortably meet the costs of ownership. Buses and trains are much cheaper, or even a bicycle is a good option and can even get you to your destination quicker, in some cases. You’ll enjoy having so much more money in your back pocket, trust us!

Transfer Your Debt

If you’re like most people, then you’ve probably got some debt hanging around your neck.  The problem is that many people are spending far more money than they need to, because their monthly payments aren’t really paying down the debt at all - it’s just paying for the interest. Instead, look at transferring your debt to an interest-free credit card. The monthly bill might be the same, but the debt will disappear much quicker if there’s no interest building on top. It’s a smart move!

I hope you enjoyed today's post! And happy holidays! I hope we all can save more money next year! haha

See you soon! :)


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Disclosure: Please note that this post may have affiliate links. Any products listed or reviews and opinions are as always of my own and true to how I feel. For PR and media enquiries please email


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