Financial struggles are a reality for many people. In a world where cost of living keeps rising while wages seem to stagnate, it’s essential to find strategies to lower your bills. Here are some effective ways to make the best out of a difficult financial situation when your income is low.  

Here is 10 ways to lower your bills

  1. Analyze Your Spending and Set a Budget

The first step is to know where your money goes. Use free budgeting tools like or to track your expenses. Once you have a clear picture of your spending, set a strict budget. Allocate your money towards necessities like food, rent, utilities, and other bills, before setting aside anything for luxuries.

  1. Prioritize Your Bills

Not all bills are created equal. Some are more important than others, especially when you’re working with limited income. Your mortgage/rent, utilities, and food should take top priority. This approach is sometimes referred to as the ‘envelope method’, where you put cash in envelopes for different categories, and once it’s gone, it’s gone. The Balance provides more information on how to prioritize your bills, see for further tips and tricks to help you out.

  1. Cut Down on Energy Costs

Lowering your energy consumption is a great way to reduce utility bills. Use energy-efficient light bulbs, unplug devices when not in use, and consider using cold water for laundry. The U.S. Department of Energy,, provides a comprehensive guide on how to save energy at home.

  1. Downsize Your Home or Consider a Roommate

If you’re spending a significant portion of your income on rent or mortgage, it might be time to downsize. Moving to a smaller apartment or house can significantly lower your monthly cost. Alternatively, consider getting a roommate to share the cost. Websites like can help match you with potential roommates.

  1. Reduce Grocery Bills

Eating at home is cheaper than dining out. Plan your meals in advance and make a list before you go grocery shopping. Stick to the list to avoid impulse purchases. There are many resources available online, like BudgetBytes, that provide affordable and healthy recipes and can be read here at Further on, choosing off brand products may often be a cheaper alternative making the final amount on the reciept even lower.

  1. Utilize Public Transportation

If possible, use public transportation or carpooling instead of driving your own car. This will reduce your spending on gas, maintenance, and insurance. Solutions like can help you find a carpool in your area. 

  1. Negotiate Bills

Sometimes, you can negotiate down bills such as cable, internet, or insurance rates. Call your service providers and see if there are any promotions or discounts available. One of the well known sites eg. NerdWallet, provides a good guide on how to negotiate your bills. Check out more tips and inspiration over at

  1. Get Help with Bills

If you’re struggling to pay your bills, don’t be afraid to seek help. Many government programs can help with food, utilities, and healthcare costs. can help you find theassistance programs you may qualify for (source:

  1. Cancel Unnecessary Services

Look through your regular expenses for services you don’t need or use. This can include gym memberships, cable TV, magazine subscriptions, and more. If it’s not essential, consider canceling it to save money. Every membership may not be expensive by itself, but combined there are a lot to save!

  1. Buy Secondhand or Swap

Consider buying items secondhand or swapping with friends or family to save money. Websites like Craigslist and Facebook Marketplace have many secondhand items, and Freecycle is a great resource for free items in your local community.

Final tips

In a low income situation, it’s important to use every strategy you can to stretch your dollars. Every bit of saving can help make life a bit easier. Remember, it’s not just about surviving, but finding ways to live comfortably within your means.

Always seek professional advice when making big financial decisions. The strategies outlined here can help you get started on the path towards financial stability, even on a low income.

A salary negotiation is an excellent opportunity to clarify your positive contributions over the past year. It is important that you are thoroughly prepared with factual arguments and spesific examples wich your boss can identify and relate to. I have listed below 20 useful tips and examples that will guide you trough the one of the most important talks you could have on your job.

Read more on my previous post on how to negotiate your salary – step by step!