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8 Great Tips To Lower Your Monthly Bills

Managing monthly expenses can be challenging but with a few strategic changes, you can reduce your bills and save money in the process. The following are practical tips to reduce your expenses across various categories.

Utilities
It only takes a few small but effective changes to lower your utility bills. Start by using less cooling in the summer and heating in the winter (enhancing your home’s insulation can help achieve this).  Regularly maintaining your HVAC system, by cleaning or replacing filters, can also improve efficiency and lower your electric bills.

Consider adjusting your Internet plan by switching to a lower speed tier that still meets your needs, which can offer significant savings. Additionally, explore options for different cell phone carriers or auto insurance providers to find better deals. Bundling services, such as cable and Internet, can also lead to lower overall costs.

Food
Food expenses can add up quickly, especially for those who eat out on a regular basis. Try to limit dining out by bringing lunches to work and preparing dinners at home more frequently. When shopping for groceries, opt for store-brand generic labels to save money. Making a grocery list before you shop can help you avoid overspending on impulse purchases.

Debt
Managing debt effectively can also help lower your monthly bills. Consider taking out a second lien mortgage or getting a cash-out refinance to pay off high-interest debt. This can consolidate your payments and potentially lower your overall monthly expenses.

Memberships
Even small fees can add up. Limit the number of streaming services you’re subscribed to by narrowing them down to a couple or even just one that offers multiple benefits. Family plans can offer better pricing, so explore those options. Re-evaluate all your memberships periodically to determine if they are useful and providing value for the cost.

Looking to start your journey to a new home? The options and benefits available may surprise you!

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Find a better home loan for your unique goals and financial situation.

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Our Home Loan Experts are here to help by sharing their knowledge and setting you up for a successful process from application to close, throughout the life of your loan, and well into the future as your trusted partners.

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Before you have found your dream home, get pre-approved for FREE. Once all information is submitted, we will provide your pre-approval details within the next business day.

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Monitor and update your home loan as your mortgage needs and goals may change over time.

Blue checkmarkGet Extra Savings
Save $750 on all your new home purchase loans with your AmeriPurchase+ Benefits.*

We can help guide you through every step of the home financing process. To get started, just give us a call at 877.785.5422 or get your rate quote here.

Just Imagine The Possibilities…

*As a member of the AmeriHome family, borrowers are part of the AmeriPurchase+ program and qualify for a $750 lender credit for all of your home purchases done with AmeriHome, for any property you own. Credits will be applied only if your loan closes with AmeriHome. This offer can not be combined with any other offers and is not applicable for FHA Streamline, or VA IRRRL Refinance transactions. Other restrictions may apply. Terms and conditions are subject to change. The AmeriPurchase+ program is subject to termination without notice.

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    ©2024 AmeriHome Mortgage Company, LLC, A Western Alliance Bank Company. Branch Office located at 17885 Von Karman Avenue, Suite 100, Irvine, CA 92614. NMLS #135776; AZ d/b/a AmeriHome Funding, LLC #0917700; California Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act #4131116; Licensed by the N.J. Department of Banking and Insurance; Rhode Island Licensed Lender. For licensing information, go to: www.nmlsconsumeraccess.org. Not all applicants will qualify. Not available in all areas. Other terms, conditions, and restrictions apply. No goods or services are intended to be offered to users in the EU. Equal Housing Lender.

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