Reducing how much money you pay out on a monthly basis doesn't necessarily mean getting rid of certain services and the following 5 points are just a small selection of examples of how you can utilize a free option instead of an expensive paying one.
1. TV - coming in from work and switching on the TV is a natural habit for some, watching various programs throughout the evening on any number of the hundreds of channels they have through their satellite or cable package.
If this sounds like you, next time you sit down to watch TV, take a look at just what programs you do watch and what channels they're on, as you might find that what you watch is readily available on a package such as Freeview, which has no monthly fee.
2. Home phone line rental - one of the quickest ways to save over 100 pounds a year is to get rid of your home phone if you have a mobile phone.
Costing you at least 10 pounds a month, if you find you don't actually make calls on the phone and only receive one or two a week, consider cancelling when possible and just using your mobile phone instead.
3. Internet - if you're paying for broadband internet but only use it once every other day to check your e-mails, you could save yourself a fortune by switching to a tariff that is more price competitive and perhaps a slower broadband speed.
4. Electricity - it's somewhat of an extreme measure at the moment, largely due to the initial outlay, but if you're planning on living in your home for many years, you could benefit from installing solar panels on your roof.
How much electricity you use depends on how many you need, but if you speak to a solar panel manufacturer, they should be able to tell you how many you require to provide a sufficient amount of electricity to your home.
And remember, solar panels don't need the sun to be shining to work.
5. Garden compost and water - during the summer months, we can see our gardening related bills increase substantially as we use the hose pipe once or twice a day to water our lawn and plants and buy bags upon bags of compost and fertilizer to help our vegetables grow.
If you start now and plan for summer 2011, investing in just two pieces of equipment, you'll be able to reduce your bills to almost nothing.
Firstly, buy yourself a water butt and attach it to your drainpipe. Leave it connected the year round and by the time next summer comes, you'll have a butt full of water that you can use on your garden (don't be afraid to invest in as many water butts as you have drain pipes, either - they may not pay for themselves in the first year, but they should have done by the second).
Secondly, grab a compost bin, place it at the bottom of your garden and throw in almost every piece of waste food that hasn't been in touch with fish or meat. Turn it over every few weeks and within 6 to 8 months you'll have some fantastic, free compost for your garden.
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