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Take part of the money you save on utilities to create an emergency fund to cover unexpeced bills. Start with $25 every two weeks. In one year you will have $650 in 5yrs $3250.

 Check out your plans features. If you have hbo, starzz, cinemax; discontinue them for 30 days. After 30 days check for promotional offers. There are usually cheaper and last for 90 days. This will save you $90 in three months.

Buy solar lights, for the front, side and rear of your home. This will lower your electric bill by $30 a month.  When winter season is over;Turn of the gas to the furnace and cut off the breaker in the electrical panel. Your save $15 a month on gas and electric bill. Unplug all televisions and microwave oven when not in use. This will save about $10 a month.  If you have a basement; you can save money by putting a battery operated security motion detector light that only comes on when there is movement in the basement.This will save you about $7 a month.

You have just lowered your bills by $62 a month. Now you can use $25 of that $62 to create an emergency fund and put the balance into a savings account.

Tags: emergency fund, lower your bills., save money, savings