Household survival tips – how to take control of your family budget and spend less (part 1)

by Chris Lang on December 12, 2008

Saving moneyScientists will back me up on this one – shopping makes people feel better. And the more stressed we are, the stronger the urge to spend some money is. It is important to know that much about the human nature to be able to control ourselves – especially when the economy is in slow-down and money-wise we’re heading towards some unsettling times.

What I am about to suggest is not going to be fun, but it will improve your family budget by saving you money. It is time we re-evaluated all our expenses to cut back on luxuries and things we can easily live without, and made sure we’re getting value for money.

1. Pay less for energy.

Many people stay with the same energy retailer just out of habit, when they can find a cheaper one just by shopping around. Go to, compare all the energy retailers and choose the cheapest one. You will be still getting the same gas and electricity, but paying less for it.

2. Find a cheaper car and house insurance.

It doesn’t take more than a day to shop and find the best and the cheapest insurance for your home and vehicle. Many companies have special offers if you buy the insurance online and it allows saving even more.

3. Switch to a cheaper mobile plan.

It often happens that people have a mobile plan where they are paying for more than they use. Anyone who has had a mobile phone for 6 months or so has the statistics of their monthly usage. Use those numbers and find a cheaper plan that suits you better (don’t forget about the exit fees for your current plan).

4. Consider canceling landline

If you’re not using the landline much, consider canceling it. “But wait”, you say, “what about my broadband, I need my landline for the Internet access”. Well, actually you don’t, because there are Naked DSL plans that let you have the broadband without paying line rental fees. By canceling the landline you could be saving at least $240 a year.

5. Cancel cable TV packages or replace with cheaper ones.

Think about it – how many channels do you really watch? How many do you enjoy? Maybe you can get a cheaper TV package that will still include all of your favorite channels and it will cost less because you’ll get rid of all the useless ones.

More tips are coming, stay tuned. Meanwhile, what are your ideas for a better budget? Leave a comment, let me know.

{ 5 comments… read them below or add one }

Free Credit Report, No Trial January 5, 2009 at 1:53 pm

Great post. I don’t know exactly how it works in Australia, but here in the United States, if I were to compile a comparable list, I would add getting a copy of your credit file to see if your credit history is good. If it is, use that information to negotiate better terms on your mortgage loan, car loan(s), and credit card(s) interest rates, as well as your insurance premiums.


Chris January 5, 2009 at 3:54 pm

It works just the same, credit check matters. Thanks for the idea!


Rhys January 8, 2009 at 1:53 pm

I created a budget planner to help save money and control personal finances, available to download at EasyBudgeting.

The budget planner has been designed to provide a simple, easy to use and effective tool to help everyday people overcome the stresses associated with budgeting.

It’s not as complicated as some of the other budget software available online but sometimes, but that’s what people need as the complicated software can be somewhat overwhelming and time consuming.

It helps you budget and monitor your spending on a monthly and annual basis and includes personal finance analysis tools.

Check it out – it’s helped people all over the world so far and I’m sure it can help you save money and take control of your finance.

Good luck.


Kevin White September 12, 2011 at 11:26 pm

This is a good “budget planning” tips. I can used this to cut off my monthly expenses. Thanks for sharing this info it was very helpful.


Mark Elhum September 17, 2011 at 11:50 pm

These tips are very useful for me, I just cut off my landline and switched the mobile to cheaper plane, thanks

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