Easy Ways to Cut Expenses 

Try these everyday tips to cut your expenses and save money:

At Work:

• Bringing your lunch, or even just snacks, can add up to big savings
• Instead of paying $4 for a latte, make your morning coffee at home
• Look for clothing that doesn't need to be dry cleaned

At Home:

• If you always use your cell phone, you may not need a home phone
• Turn your thermostat up and your lights off when you leave
• Reuse and recycle everything, from plastic baggies to food containers
• Rethink paper napkins and paper towels, reducing waste reduces expenses
• Lower the temperature on your hot water heater
• Use your clothes dryer minimally; hang clothes to dry
• Unplug appliances when you are not using them. Even when turned off, appliances can consume energy, raising your bill

Transportation:

• Proper tire inflation can add three miles per gallon of gas and extend the life of your tires
• Call ahead to find items instead of driving from store to store
• Empty your trunk of heavy items and you can save $200 a year in fuel costs
• Car pool whenever possible