Navigator Credit Union is not responsible for the product, service, overall website content, security or privacy policies on any external third-party sites.

A Penny Saved Is a Penny Earned How to Cut Costs on Everyday Expenses

From groceries to gas, the basics are getting more and more expensive. That’s why it is important to save money where you can, now more than ever. The following are some quick tips on how to cut everyday expenses.

Start couponing. Don’t underestimate the cost-saving benefits of couponing. Though the savings provided may only be a few cents, it can add up to be a lot in the long run. Take a few minutes before you run to the store and check out the local coupons available both in newspapers and online. Better yet, make time for couponing on a weekly basis and watch your savings grow.

Buy used. For everything from clothes to kitchen utensils, thrift stores are definitely worth a look. While it may take a little more time to find exactly what you’re looking for, you’ll save money and have the comfort of knowing you’re helping our environment at the same time.

Buy in bulk. Buying in bulk from warehouse stores can help you save money on everyday food items. If you’re worried that the bulk amounts will be too much for you, try splitting the goods (and the bill) with family or friends for an even lower price.

Look for discount days. Certain places, like grocery stores or movie theaters, may have certain days of the week or month when prices are discounted. For example, grocery stores may offer double coupon rewards to seniors who go grocery shopping on specific days and times. Look in your local newspaper and online to see if any stores near you have such days.

Maintain to save. Keep your car in tiptop shape to help cut your gas expenses. Paying special attention to your engine and making sure your tires are properly inflated can help you get more miles out of a tank.

Make the most of low rates. Mortgage rates are at historic lows, so if you are considering refinancing, the time has never been better. With a lower interest rate your monthly payments could decrease, so contact a mortgage representative at Navigator today.

Use online bill pay. Sign up for online bill pay at Navigator. Opting in to online bill pay will not only save you money on postage, it can ensure that your bills are paid on time and could prevent you from incurring late fees.

Think Small to Save Big

Saving money starts with small everyday actions. Though cutting coupons or buying in bulk may not seem to save you a lot of money, remember that a penny saved is a penny earned. And when you save a lot of pennies, you can start saving big.