There is no doubt that times are hard. And though you are not part of the pack who have lost their jobs in recent months, you’d still feel the crunch when prices are sky high and you just understand why money is harder to come by these days. You are not probably thinking of ways to either earn additional income or ways to save money.

This is especially true for those who are used to having part time jobs that supplement their income. Right now, additional jobs are harder to come by. Not only are their fewer jobs, there are also plenty of competition and frankly, employers will prioritize those who do not have day jobs.

But saving money is actually not as difficult as people make it out to be. Like everything else, it’s all about discipline. If you are committed to the task and you can do anything you want, even manage to squeeze in all your expenses into one measly budget and have enough left to put in the bank. Here are some of the ways on how to save money that you never really thought of.

1. Mind the plug

One of the biggest wastage that people do is their electricity. You don’t realize it but you are probably paying far more for your electricity that what you are supposed to be not because of the cost of electricity but because you have managed to waste those watts when you forget to unplug the appliance or you have left the lights on even when nobody is there already. By changing the schedule of your laundry and your ironing, you can already make a lot of changes in your bills and therefore save tons of money. All you need to do is to always remember. Besides, you will not only save money but you will also be able to help lessen the problems on energy.

2. Get an Insurance Quote

Getting quotes for insurance products that you already have can be a great way to save money. Find out about the different kinds of quotes from: cheap online health insurance quotes or online term insurance quote or free car insurance quote.

3. Skip the coffee

If you are the coffee addict and you just can’t go through the day without the cappuccino, curb the habit. If you can’t, at least resolve to have that cup of coffee inside the house and not buy it from Starbucks or other coffee shops. Coffee there are just so expensive and it is an absolute crime to spend money on just a single cup of coffee, something that you will be able to do at home. Lessen your trips to the coffee shops and you will find that you have a room in your monthly budget.

4. Take a walk or the metro

If you are so used to taking the taxi to work, now is the time to start walking and riding the sub. It’s not actually so hard. You just need to wake a little bit early so that you will have enough time to walk. Although it will definitely take more effort, commuting offers a lot of advantages. If you are on the plump side, you can already lose a lot of pounds when you do it. You can even forgo with your gym class because you are already getting the exercise that you need from it. If you are the fashionista, commuting can provide you with the chance to display your fashion sense.