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 2022. 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

2. Install CFLs or LED Lights Where You Can

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.

3. Cancel Unused Subscriptions

4. Make A Grocery List

5. Buy in Bulk

6. Use This Debt Payoff Plan

7. Take Full Advantage Of These Tax Deductions

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. Use Government Rebates To Get Solar Panels And Slash Your Energy Bills

When homeowners check whether they qualify many are shocked that subsidies and rebates can cover a lot of the costs associated with installation so it greatly reduces the amount you'll have to pay. Many may qualify for $0 down! Soon, you could be on your way to significantly reducing your electric bill in a matter of weeks. 

Smart homeowners are setting out to do their own research and determine whether this new program lives up to its reputations. Over and over again, many are reporting back on their findings, with the most exciting part being that they are now able to save $1,000s a year on their own energy bill.

9. Want a Patio? Consider Concrete Over Pavers

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.

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

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

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

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.

15. Veterans Get a Massive Discount at Lowes

16. Born Before 1986? Get $3,600/year Off Your Mortgage With The Federal Reserve Bank's Lucrative Rate "Push Down" Initiative

So while the banks happily wait for interest rates to skyrocket, experts are making a nationwide push and urging homeowners to take advantage. This program currently exists as of 2021, but the rules could change soon. But the good news is that once you're in, you're in. If lowering your monthly payments or paying off your mortgage faster sounds good to you, it's vital you act now and see if you could qualify for RaTO or a better rate in today's marketplace. 

URGENT: So many homeowners could still benefit today, but sadly, many perceive RaTO to be too good to be true. Remember, RaTO could save you thousands per year & there's absolutely NO COST to see if you qualify. See if you qualify now to reduce your monthly payments >> 

How Do I Qualify?

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

Step 2: View your new lower rate and save money! Click here to get your new rate.

Select Your State:

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

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!

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!

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.

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You ever go to the grocery store when you're hungry and find yourself checking out with way more than you intended? We call this "Hunger Shopping" and it's quite dangerous to your wallet! 

Before going to get groceries, make a list of groceries that you need for the upcoming week. That way, you only buy what you're intending to use and the amount that will get thrown away from being expired is kept to a minimal.

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. 

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. 

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:

Warning: Do not pay your next energy bill until you read this...

This is the 1 simple truth your power company doesn't want you to know. There is a new policy in 2021 that qualifies homeowners who live in specific zip codes to be eligible for $1,000's of Government funding to install solar panels. Has your power company told you that? Of course not. They hope homeowners don't learn about this brilliant way to reduce your energy bill tremendously!

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. 

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.

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! 

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.

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

To make it even better, Lowe's extends this offer to their spouses! Need new tools? How about new appliances? Lowe's carries a variety of things, so take advantage of this incredible discount!

Banks Don't Want Homeowners Knowing This

Still unknown to many is a brilliant mortgage plan called the Rate and Term Option (RaTO) that could benefit millions of Americans and reduce their payments by as much as $3,600 per year! You could bet the banks aren't too thrilled about losing all that profit and might secretly hope homeowners don't find out before the rules change.