25 Frugal Living Ideas So You Can Save Money and Pay Off Debt

Electricity and Cable Bill Payments

  • Adjust your thermostat. Bump your thermostat down to 20°C in the winter and down to 26°C  in the summer. It may be a bit uncomfortable at first, but if you throw on a cozy sweater and some slippers or warm socks in the winter or keep a glass of ice water nearby in the summer, your body will adjust and your bank account will thank you. You can also save more money by lowering the temperature when you’re not home or when you’re sleeping. Turning your thermostat back 6°C to 8°C for 8 hours during the winter can save you 5% to 15% on you heating bill. Get a programmable thermostat to do this for you.
  • Say good-bye to cable. How much time do you spend in front of the television? If you don’t watch television all that much, cable isn’t adding any value so you may as well do without it. On the other hand, if you spend hours in front of the television, there are other productive things you could be doing with your time, such as spending time with family and friends, taking up a new hobby, or catching up on your reading. You’ll be surprised how much money you’ll save and how little you’ll miss cable television.
  • Choose more affordable options other than cable or satellite television. Online streaming services like Hulu, Netflix or Amazon Prime allow you to stream movies and television shows at a fraction of the cost charged by cable and satellite providers.
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