10 Simple Ways to Cut Expenses and Save

When it comes to saving money, every dollar counts. Whether you want to save up for a down payment or a vacation, or if you need to fatten your emergency fund, you can help meet your financial goal by evaluating your current expenses and finding simple ways to cut back. Of course, saving may also require you to make some sacrifices and prioritize your needs over wants.

To help get you started, consider these 10 cost-cutting tips from American Consumer Credit Counseling:

1. Utilize public transportation. If you have access to public transportation, using it can save you a lot of money on parking, gas or even buying a car in general.

2. Carpool. Split the cost of commuting by taking advantage of carpool lanes on your way to work. Carpooling can also reduce the wear on your car and, in turn, reduce future mechanical expenses.

3. Unplug electrical devices. Most devices still draw electricity even when they’re not in use. Be sure to unplug all devices that aren’t in use to cut down on power costs.

4. Reduce or get rid of cable. Downgrade from premium cable, or get rid of it altogether. Most of the main channels offer either free or minimal monthly subscriptions to stream shows.

5. Cook at home. Going out for meals is not cheap, and the costs add up quickly. Cooking at home more often can significantly reduce your expenses. Also, consider cooking in bulk and freezing the leftovers for future family meals or bringing them to work for lunch.

6. Buy off-brand. Buying off-brand products at grocery stores can add up to significant savings over time. There’s often little to no difference between brand and off-brand items. You can also save by buying generic or store-brand drugs. Talk to your doctor about less expensive alternatives to name brands.

7. Cancel gym memberships. Go for a run outside, hop on a bike and lift weights at home for a cheaper option to exercise.

8. Turn off the lights. To save on electricity expenses, don’t forget to turn off lights each time you leave a room.

9. Insurance policies. Whether you’re looking for health, life, property or auto insurance, always shop around for coverage. Then periodically check to ensure you’re getting the best rates. Many insurance companies offer bundled discounts.

10. Clothing. Buy clothes out of season when stores discount them.

These are just 10 examples of the many ways you can reduce your expenses. Although some might seem like minor changes, the savings could add up big over time. Get creative, make some sacrifices and reap the benefits!

About the Author

Greg DiGiorgio is a highly reviewed Arlington MA Realtor who is a dedicated, passionate, and market-savvy professional who puts his clients’ satisfaction before all else. His attention to detail, superior people skills, broad knowledge of the real estate industry as a whole, and his pure determination to indulge his clients with first class service sets him apart. In addition to Greg being an Accredited Buyers Representative-ABR, he understands the power of creative, well-organized and highly effective marketing and offers customized marketing plans that maximize property exposure to the most qualified buyers. He has appeared several times on Fox 25 News where he was interviewed on current market trends and conditions. A real estate transaction is really about managing people, their desires and their finances. It is an intricate and consequential negotiation.

Greg understands that it is important to secure not only the most able buyer, but also to the one that is most likely to close the deal. When so much is at stake, Greg is the one you want to represent you. His fair yet aggressive negotiating style and protectiveness of his clients’ best interests and ultimately, their assets, has gained his respect with colleagues and clients alike.

Greg also knows that every transaction represents the most important purchase or sale a person can make, and he takes every precaution to ensure that communication is impeccable with all parties involved from beginning to end. Whether it’s patiently guiding first time buyers through this exciting process or following through with clients’ needs long after the transaction is over, Greg’s warm, caring yet efficient business style will turn you into a client for life.


Greg grew up in the Greater Boston area and has a deep appreciation for the North East way of life. He attended The University of Massachusetts at Dartmouth where he graduated with a Bachelor of Science degree in Marketing, with a concentration in Marketing Research. Greg’s professional background is rooted in the technology sales & marketing. As a result, he learned to adapt to many different people and situations quickly and competitively. The insight that he has gained from many years of involvement in bringing all components of a transaction together smoothly has granted him a unique perspective and approach to the real estate industry. His enthusiasm and tenacity has allowed him to emerge as one of Greater Boston’s finest Realtors, and one of the highest reviewed amongst Arlington MA Realtors!

My Goal

My goal is to provide the best experience possible to my clients while helping them achieve their real estate goals. My streamline systems and use of technology ensure a smooth ride along the way. Whether it’s a first-time buyer, a seller, or investor, I strive to gain lifelong clients and friends by providing them with a fun, relaxing, but yet educational experience throughout the entire process.

Objectives for my Buyer Clients

Counsel session to determine wants & needsSchedule times to view properties

Run comparable analysis report for subject property

Help negotiate terms of the offer

Provided options for home inspectors

Help negotiate & finalize terms of Purchase & Sale Agreement

Assist in finalizing finances with Mortgage Broker

Handle any other paperwork and/or tasks including meeting mortgage commitment deadlines to making sure the transaction closes on time.

I keep an open door policy with all my clients even after the sale should they have any questions, or need help with any of their real estate needs. The closing of a real estate transaction is not the end, but just the beginning of a relationship.

Objectives for my Seller Clients

Listen carefully to make sure your goals and objectives are clearly understood

Explain the home selling process thoroughly

Discuss agency relationship

Price your home accurately

Stage your home for sale

Plan & implement a proven & innovative marketing plan

Work diligently to sell your home quickly and efficiently

Follow up with open house leads & showing brokers to obtain feedback

Work hard to ensure that each step of the transaction is running smoothly

To ensure that all smoke & carbon monoxide detectors are installed and working correctly, and to obtain certificate from town/city

To obtain final payoff for city/town water bill

“Most Importantly to communicate with you consistently and efficiently throughout the entire home selling process”

Certifications and Recognitions

Winner of Leading Edge Real Estate’s Outstanding Creative Marketing Award. Certified Residential Specialist (CRS)

Accredited Buyers Representative (ABR)

Member of the Institute of Luxury Home Marketing (ILHM)

Licensed Massachusetts Real Estate Broker

Member of Greater Boston Real Estate Board (GBREB)

Member of National Association of REALTORS (NAR)

Zoning & Building Codes Certificate

Residential New Construction Certificate

Title V Certificate