Sponsored Content

16 Things You Should Do To Save Money In September


In today's world, it's more important than ever to prepare for your financial future.


And one of the easiest ways to add to your nest-egg is to simply cut expenses and save more of your hard earned money.

We often forget some of the golden rules to saving that our parents taught us. Here's a quick list of things you can do to save on bills in 2023. No matter your circumstance, there's something here that everyone can use like cutting down your mortgage bill, save on utilities, get more for your money at the grocery store, and even get samples of popular products.


1. For Pete's Sake, Quit Smoking

This might make some people upset to hear, but it's time to quit smoking. Not only is it hazardous to your health, but it's costing you and your family a fortune. Smoking one pack per day costs over $2,000 per year!

There are plenty of techniques to quit smoking, but it all comes down to your dedication to cut the habit. Come up with a plan and have family and friends keep you accountable!


2. Get Help Buying Food With SNAP

SNAP helps you buy the food you need for good health and nutrition. With SNAP, you get benefits on a special debit card on a monthly basis. You can use the card to get food at many grocery stores, as well as through some senior centers or home-delivered meal programs. Also, SNAP has free programs to help with healthy eating habits and physical activity.


3. Born Before 1987? Homeowners Are Getting Up To $185,000 To Use However They'd Like In September Thanks To The Government's Lucrative "FaCOP" Initiative

Don't expect banks to tell you this, but they can't stop you from doing it either...

Still unknown to many is a brilliant government backed mortgage program called the FHA Cash-Out Plan (FaCOP) that could benefit millions of homeowners and give them up to $185,000 in cash to use however they'd like! You could bet the banks aren't too thrilled about losing all that profit from high interest loans and might secretly hope homeowners don't find out before this program ends for good.

American homeowners are paying for their home renovations, funding their business, paying off debts & even taking vacations - All thanks to the government's home "cash out" option that is now available. Home values are through the roof right now and smart homeowners are taking advantage of their huge equity in their house and getting up to $185,000 back! There is NO COST to see if you qualify either.

So while the banks happily wait for this program to end, experts are making a nationwide push and urging homeowners to take advantage. This program currently exists as of September, but with national economic uncertainty, it could be pulled away from homeowners at any time. But the good news is that once you're approved, you're in. If getting up to $185,000 to use however you'd like sounds good, it's vital you act now and see if you could qualify for FaCOP now.

URGENT: So many homeowners could still benefit today, but sadly, many perceive FaCOP to be too good to be true. Remember, FaCOP could give you up to $185,000 & there's absolutely NO COST to see if you qualify. See how much you could get >>

How Do I Qualify?

Step 1: Click your state on the map to instantly check your eligibility for free.

Step 2: View your cash-out offer and claim it! Click here to get your new rate.

Select Your State:


Yes! I Want To Check My Eligibility Now >>

4. Cancel Unused Subscriptions

It's easier than ever to rack up monthly subscription bills since many products and services nowadays offer monthly plans. But the problem with those is that you sign up and forget. Or you get "cancel remorse" and keep subscriptions that you really don't use.

Go through your bank and credit card statements and review your subscriptions immediately!


5. Buy in Bulk

One of the easiest things you can do to instantly start saving money is to buy in bulk! Retailers often give a MUCH better deal on products such as paper towel, toilet paper, detergent, etc if you buy in bulk.

This might seem like an obvious one, but we often forget how much money we waste by not buying in bulk.


6. Use This Debt Payoff Plan

Here’s what credit card companies don’t want you to know...and what thousands of consumers are quickly learning about paying off their debt:

If you owe more than $15,000 in credit card debt, this proven debt relief program may reduce the amount you owe. Consumers could resolve their debts with absolutely no loan required and pay it off at a rapid pace. If you’ve struggled to pay your credit card debt, act now before your debt balloons further.

Learn The Secret To Resolving Debt >>

7. Take Full Advantage Of These Tax Deductions

Owning a home can be very lucrative. Seriously, owning a home can not only give you a cheaper monthly payment than renting but in many cases, the tax benefits make the decision a no-brainer.

Here are a few of the larger deductions that you need to be sure to take:

Interest you pay on your mortgage: If you own a home and don’t have a mortgage greater than $750,000, you can deduct the interest you pay on the loan. This is one of the biggest benefits to owning a home versus renting–as you could get massive deductions at tax time. The limit used to be $1 million, but the Tax Cuts and Jobs Act of 2017 (TCJA) reduced the limit and made some clarifications on deducting interest from a home equity line of credit.

Property taxes: Another awesome benefit to owning a home is the ability to deduct your property taxes. Before TCJA, the rules were a little more flexible and you were able to deduct the entirety of your property taxes. Now things have a changed a bit. Under the new law, you can deduct up to $10,000. The deduction for state and local income taxes was combined with the deduction for state and local property taxes, too.

Tax incentives for energy-efficient upgrades: While most of the tax incentives for making energy-efficient upgrades to your home have gone away, there are still a couple worth noting. You can still claim tax deductions on solar energy–both for electric and water heating equipment, through 2021. The longer you wait, though, the less money you’ll get back. Here’s the percentage of equipment you can deduct, based on time of installation:

Between January 1, 2017, and December 31, 2019 – 30% of the expenditures are eligible for the credit
Between January 1, 2020, and December 31, 2020 – 26%
Between January 1, 2021, and December 31, 2021 – 22%


8. Want a Patio? Consider Concrete Over Pavers

Building a patio can add great value to your home, as well as creating enjoyable outdoor living space for you and your family. But patios can come at a great cost.

When we decided to add a patio to our home, we looked at the different surface options carefully. Although many landscapers would recommend pavers over concrete because of their durability over time, we decided that the cost savings was more important to us. We personally love the clean look of concrete as well.

Now one thing to remember with concrete is that it WILL crack eventually. But if you have a good concrete crew, it should be prepped right where the cracks are minimal. So we expect to see cracks, but are hopeful that it will be minimal.


9. Install CFLs or LED Lights Where You Can

New lighting technology has really come a long ways. Now although they do cost more than traditional incandescent bulbs, CFL and LED bulbs can last for years without having to replace them. You don’t even need to replace every bulb in the house at once. Even swapping just your four or five most-used light bulbs can save you $45 or more a year!

CFL vs. LED

CFLs, which use a quarter of the energy of incandescent bulbs and last for years, are the next cheapest option after traditional bulbs. But they also have some drawbacks: They take a while to warm up to full brightness, and they also contain a small amount of mercury.

Meanwhile, LEDs are more expensive. However, they’re getting cheaper all the time, and they are easily the best lighting option available: They light up instantly, are efficient as CFLs, produce a warm glow without getting hot to the touch, and can last for decades.


10. Grill!

Here's an easy money-saving tip: Grill in the summertime! When you use your stove or oven to cook, it creates a lot of heat. And in the summertime, it can make your air conditioner work extra hard. If you're not much of a griller, consider cooking meals in a crockpot.


11. Keep Flies Away from Your Porch and Patio

Don't pay for expensive pest exterminators just yet... this little-known bug hack could save you hundreds of dollars every year.

There's been a lot of viral videos around this unique method to repelling annoying bugs. And we've done some research to see just how effective it is.

Irish Spring is known for its classic “invigorating” scent, and there are plenty of success stories on the internet from people using it to banish flies and even rodents around their home. You can get a mesh or nylon bag, place the bar of soap inside and hang it on your patio or porch. Most pests, including larger animals like rabbits and deer, hate the smell of strong soap, so this trick should keep your social gatherings and garden pest-free all summer.

Many people claim that it must be the original green bar. It's worth a try to see if it works for you!


12. Give Your Air Conditioner Some Space

Just like we need to breathe, your air conditioner needs space where it's getting air easily. Many AC units are surrounded by shrubs that can restrict the airflow it needs to run efficiently. Take a few minutes this weekend and do the following:

Trim up any bushes that are are touching the unit so there is at least 1 foot of clearance

Clean up the ground for any loose debris or leaves

If the outside of the unit has a lot of debris clogging it up, consider having a professional service and clean it out


13. Quit Buying Expensive Coffee

Yes, we all love a tasty Starbucks latte every now and then. But buying coffee from your favorite barista everyday adds up quick!

Let's do the math... $5 per latte 5 days a week is $25 a week. That's $100 per month just for coffee!

If you brew your own coffee at home, the cost is around 30 cents a cup. Now if you're all about convenience, consider a Keurig Coffeemaker. The cost per cup will go up to around 60 cents but it's still MUCH cheaper than buying from a coffee shop and is super convenient.

14. New Auto Insurance Policy

Here’s what auto insurance companies don’t want you to know...and what thousands of consumers are quickly learning about their current auto insurance plan:

If you're paying more than $63 per month for auto insurance, this auto insurance comparison tool can help you check to see if you're overpaying in a few minutes. This is something every driver should be doing every 6 months or so to ensure that they are getting the best deal.

Insurance companies are always competing to win your business, but if you turn a blind eye and keep the same policy in place for a long period of time, your rates might have increased. By checking rates, drivers saved an average of $531 per year with a new policy.

So do yourself a favor and do a quick comparison by filling out a short form (about 4 minutes). This is a fast way you can start saving on your auto bills.

Compare Auto Insurance Rates >>

15. Veterans Get a Nice Discount at Lowes

All active military and veterans are entitled to get a 10% discount on many in-store purchases at Lowe's.

To make it even better, Lowe's extends this offer to their spouses! Lowe's carries a variety of things, so take advantage of this incredible discount!


16. Never Pay For Covered Home Repairs Again With A Home Warranty Policy

Still unknown to many is a brilliant Home Warranty Program called the Choice Home Warranty that could benefit millions of households and help them never pay for covered appliance failures, furnace breakdowns, electrical issues and so much more! You likely have homeowners insurance, right? A Home Warranty Plan is similar to a homeowners insurance plan, but it actually covers many things that an insurance plan won't like a broken refrigerator, a broken furnace or an electrical malfunction on a ceiling fan.

Often times, new homeowners are offered a 1 or 2-year home warranty plan when they purchase a home. This is generally a huge plus for the home buyer because it takes away the stress of having to pay for likely issues that might come up during the first year or two of owning the home. Issues such as a broken refrigerator or dishwasher aren't fun to deal with. Or how about a broken furnace or air conditioner? These would likely cost $1,000s of dollars to fix!

Luckily, homeowners now have the option to get a home warranty plan anytime after they bought their home. Even if you've lived there for 20 years, you can still get your own home warranty plan that will cover the cost of many unforeseen home repairs!

Get Your Free Quote Now >>







And that's a wrap! If you found these savings tips useful, please share our page with friends and family!








Sponsored Content