Irrespective of where you stand on your financial journey, all it takes to turn around your financial racks are some calculated financial risks and regulate the not-so-radical changes that might take a hit on your current lifestyle.

Here are some actionable ways which will answer some of your queries on how to save money:

• How you save money hugely depends on how you manage it. Start with the simple changes – Use a free online checking account, make your saving accounts automatic and keep them high yielding savings account, and look for banks that offer unlimited ATM transactions without charging extra fees.

Bringing about changes in how you use the utilities at your home can also help you save a substantial amount of money. Here are some pointers on how to save money by using home utilities wisely.

• For instance, you can subscribe to bundle plans that include phone, internet, and TV plans from one provider. It will save you a great deal of money. You can also look for network television, video streaming services that use your home internet to stream your favorite TV series and movies.
• Switch to a programmable thermostat to adjust room temperature at your home. Programmable thermostats help you save around 10% to 15 % on your temperature-adjustment bills. Use space heaters during winters.
• Incandescent bulbs use at least a quarter of electricity more than fluorescent lights. These CFL’s last five years or longer depending on the brand. LED bulbs have surpassed CFL’s when it comes to energy efficiency. They might look like an expensive investment for your home utilities but can save a good amount of money on your electricity bills.
• You might have come across a variety of coupons and rebates on the internet and in newspapers and might have thought of them to be redundant. Well, they are not if you are willing to save some dollars on your purchase. Coupons on oil changes, groceries, and other online purchases can help you reduce your overall bill amount.