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25 Simple Ways to Reduce Bills and Save Money

1) Get out of debt first
Don't start saving money before you eliminate debt first. The interest that you pay on your credit cards and loans kills most of your saving efforts. Save only for emergencies and focus all your efforts on getting out of debt.
2) Credit card payments on time
Always pay the full outstanding amount on time. Save yourself from unnecessary interest.
3) Use only ATMS of your bank
Reduce ATM charges by using only your bank's ATMs. This may not seem like a big deal, but if you use your ATM card once a week in other banks' ATM machines, then by the end of the year, you have actually wasted around 100$.
4) Live near your work
People seem to underestimate the costs associated with living far from their work place: fuel, stress, lost time just to name few. Consider this option seriously.
5) Drink a lot of water
It is good for your health and makes you eat less, lowering your bills especially when you dine out.
6) Bring lunch to work
As a general rule, avoid eating outside and this includes your lunch breaks.
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