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5 Expenses Moms Can Cut Down On

It’s often easy to identify big ways to save money in your life. For example, getting a used car instead of a new one can save money. But it’s the little things that add up and help you see a huge difference in your finances. By making a few changes in your life, you can better meet your financial goals.


If you purchase bottled water, the plastic bottles aren’t great for the environment and cost more. Instead, consider investing in a water filter so you can drink tap water. A refillable water bottle lets you take it with you on the go. Try filling a few reusable bottles at once so you can grab and go when you’re in a hurry. Buying coffee drinks can be convenient, but it also adds up quickly. Getting one coffee a few times a week can cost you several hundred dollars in a year. Instead, try making your own coffee at home. You might have to spend a few bucks upfront getting a coffee machine, but if you get a quality product, it can last for years.

Bank Fees

Many banks like to charge fees, and these can often add up to several hundred dollars per year. For example, ATMs often charge fees. If you drop below the minimum balance or transfer money, you’ll also get hit with extra charges. And you also have to make payments for foreign transactions. Instead, consider looking for a bank that doesn’t charge fees. For example, a smaller local bank may be a better option.

Debt Repayment

The interest rates on payments such as student loans, credit card balances, and medical debt can add up quickly. Depending on how much you owe, you can lose several thousand dollars just in the interest you pay. One way you can save on interest is by refinancing student loans to save money. You may qualify for better repayment options with a lower interest rate now compared to when you initially took out the loans. No matter what type of debt you have, paying it off as quickly as you can should always be the best. Not only will it help you save money on interest, but you can also put more money into savings after the loan is paid off.

Birthday and Christmas Gifts

Of course, you should still give your kids presents at Christmas and birthdays. But cutting back on the number of gifts may be a good idea. Do your children really need several large gifts each? Think about past birthday and Christmas gifts they’ve received and whether or not they still use them. Instead, try giving each child more meaningful gifts that they will use and value for many years. As you do this, you can shift the focus from gifts to making memories with the family. Your child will value these memories more in later years than expensive presents.

Cable TV

People often spend a lot of money on cable television, and it can quickly add up to over a thousand dollars a year. Many are turning to cutting the cord and opting for the many streaming services you can get instead like Amazon Prime or Netflix, paired with a Roku. You can easily stream movies and shows through your television with the right equipment and eliminate the need for a cable box.

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