Use LED light bulbs Replacing your regular light bulbs with energy-efficient versions can help you save energy and money, too. LED light bulbs cost a bit more. Make a budget for all your expenses. Be realistic. Menu plan. Walk or bike/public transportation if you don't need to drive. If you REALLY don't. 1. Track your spending and set a budget. The very first step you should take when trying to reduce your cost of living, is to manage your money. Any amount of savings on utility costs each month means more money in your wallet. The good news is that there are plenty of ways to trim your utility bills. 7 effective tips for reducing your expenses · 1. Know where your money goes · 2. Create spending categories · 3. Only spend on what matters most · 4. Make the most.
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