monthly bills save money on

Monthly bills are a necessary evil. Whether you’re paying rent or a mortgage, you need certain things to help your life run. You need electricity, food, some type of phone, and if you’re lucky something fun to remove some of the stress of adulthood. While it’s true these monthly expenses are absolutely necessary you shouldn’t be forced to overpay to have them. You might be surprised to learn that there is often a way to shave some of the costs off your most commonly paid monthly bills. Sure, you need to pay for your electricity, but why overpay if you don’t have to?

If you’re trying to find a way to cut back on some of those necessary expenses, this article is for you! So, let’s look at some of the most commonly paid monthly bills and see if there is a way that you can lower them.


1. Electric Bills

real simple energy bill fix

At one point, people didn’t have a way to save money on their electric bills. It’s not really like you could shop around for electric companies. These days you have a few more options. Now you can find electric providers that offer more competitive rates. Companies like Real Simple Energy are here to help you navigate your energy prices in the easiest way possible. They’ll analyze your current bills and help you get signed up for a better plan to save you money. They deal with the electric companies so you don’t have to! It’s all based on your energy needs, so you have nothing to lose. Best of all, sign up is easy, so you can be set to start saving money in no time!

Go to, because right now, HOTC readers can get a $30 credit on their first month’s bill by entering promo code CHEAP30 at sign up!


2. Insurance for Home/Rent and/or Car

auto insurance refunds

Most families pay more than one insurance bill. For example, you probably pay for your homeowners’ insurance or renters’ insurance. If you drive and own a vehicle, you also have some type of car/truck insurance. If you have any boats or all-terrain vehicles that could also be another monthly fee. One of the best ways to save money on insurance is to shop around. Thanks to competitive prices, it’s easier than ever to get a good deal. If you have multiple companies you’re currently working with, the first step to saving money is going to be to consider bundling your insurance needs. When you go through a company offering multiple types of insurance, you can get car and house insurance in one package and save money.


3. Cable Services

Cutting the Cord

Cable prices continue to soar. In fact, the average family pays over $100 a month for cable. On the plus side, you might have 200 channels. Of course, the negative is that you probably don’t watch half of them. The good news is that thanks to streaming, you can watch your favorite channels and save plenty of money doing it. With the right streaming service, you can cut your money TV bill in half! In comparison to your monthly cable bill, you can switch to fuboTV (free for 7-days) and get 100+ channels for $55 per month. Another available option is Hulu Live (free 7-day trial), which gives you 60+ channels and Hulu’s full on-demand library for $55 per month. Any way you cut it you’re saving plenty of money when compared to cable.


4. Cell Phone Bills

straight talk wireless review

Woman with cell phone and a mug coffee in socks

I don’t know about you, but if you’re like most families, your cell phone bill is higher than you want it to be. Of course, with a separate charge per phone and multiple people on a plan, a $50/monthly fee can easily become $200 for a family of four. That’s why to save the most money you need to find the most versatile plan with the cheapest monthly price. Services like Straight Talk Wireless utilize the cell towers from the top providers but offer you no-contract plans starting as low as $30 per month. There’s a good chance that there’s a plan available to save you money. The best news is that you can keep your number and your phone. Switching has never been easier, and you’ll have the chance to save a fair amount of money!


5. Food

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Food costs can be expensive even though they are necessary. The whole process of shopping also takes time out of your day. So, if you want to save some money, cut out the impulse purchases, and save some time, you can try a service like Instacart. These services allow someone to do the shopping for you. Depending on your preference you can pick your groceries up at the store or they will deliver them right to your door. Many families find that they save money using Instacart because they think more about what they buy, ensuring that they make better meals and tend to eat out less frequently.


6. Entertainment

Whether you’re going to the movies, a museum, or a music festival, entertainment costs can certainly add up. Of course, after a hard week at work, no one wants to miss out on having a little fun. That’s why Houston on the Cheap was formed. It’s our goal to make sure that you find all the best events in Houston at a price you can afford. There are free and low-cost events all the time, ensuring that everyone has a good time, no matter your budget!


So, what do you do to save money on your monthly bills? Make sure to share your tips in the comments!