{"id":1058,"date":"2020-12-01T20:48:10","date_gmt":"2020-12-01T20:48:10","guid":{"rendered":"https:\/\/www.lendnation.com\/tips-to-cut-excess-spending\/"},"modified":"2025-07-30T17:19:35","modified_gmt":"2025-07-30T17:19:35","slug":"tips-to-cut-excess-spending","status":"publish","type":"post","link":"https:\/\/www.lendnation.com\/blog\/article\/tips-to-cut-excess-spending\/","title":{"rendered":"Tips To Cut Excess Spending"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single is-layout-flow wp-block-group-is-layout-flow\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-1f86b309 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-a4fd459e wp-block-group-is-layout-constrained\"><div style=\"text-transform:uppercase; margin-top:0;margin-bottom:var(--wp--preset--spacing--60);\" class=\"theme-color-secondary t-date wp-block-post-date\"><time datetime=\"2020-12-01T20:48:10+00:00\">December, 2020<\/time><\/div>\n\n<h1 class=\"wp-block-post-title has-display-x-large-font-size\">Tips To Cut Excess Spending<\/h1>\n\n<div style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/budgeting\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--green\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Budgeting<\/span><\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-a209ae40 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__media has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-587a7eb1 wp-block-group-is-layout-constrained\"><figure style=\"margin-top:0;margin-bottom:0;\" class=\"is-style-image-featured s-aspect-ratio-1-1 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/12\/shutterstock_1679699251.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/12\/shutterstock_1679699251.jpg 5295w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/12\/shutterstock_1679699251.jpg?resize=300,200 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/12\/shutterstock_1679699251.jpg?resize=768,513 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/12\/shutterstock_1679699251.jpg?resize=1024,684 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/12\/shutterstock_1679699251.jpg?resize=1536,1025 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/12\/shutterstock_1679699251.jpg?resize=2048,1367 2048w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/12\/shutterstock_1679699251.jpg?resize=1619,1080 1619w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<p>If you\u2019re among the nearly <a href=\"https:\/\/www.debt.org\/faqs\/americans-in-debt\/demographics\/\" target=\"_blank\" rel=\"noopener\">300 million Americans with debt<\/a>, you clearly aren\u2019t alone. After all, debt is hard to avoid in certain situations \u2014 the cost for childcare, college, homes, and vehicles are mostly paid for through loans. The <a href=\"https:\/\/www.nerdwallet.com\/blog\/average-credit-card-debt-household\/\" target=\"_blank\" rel=\"noopener\">cost of living<\/a>&nbsp;has also gone up 19% in the past 10 years, putting more financial strain on individuals and families. It\u2019s even higher in the current COVID-19 pandemic.<\/p>\n\n\n\n<p>Thankfully, there are several small changes you can make to help get ahead. Here, we\u2019re sharing some of the best ways to cut excessive spending so you can reduce your debt, save for special items and events, or simply build your emergency savings.<\/p>\n\n\n\n<p>\n<span style=\"font-size: 18px;\">Track and make a budget<\/span><\/p>\n\n\n\n<p>First, to cut your spending, you need to know how <em>much<\/em> you\u2019re spending \u2014 and <em>what<\/em> you\u2019re spending it on. That starts with tracking your spending, then turning that into an <a href=\"https:\/\/www.fool.com\/investing\/2018\/04\/21\/budgeting-101-how-to-start-budgeting-for-the-first.aspx\" target=\"_blank\" rel=\"noopener\">ongoing budget<\/a>. Through this, you\u2019ll be able to get a much clearer picture of where your money is going and the areas you could start cutting down.<\/p>\n\n\n\n<p>Some of the most obvious areas in which you can overspend are things like housing, food, and transportation. That comes as no surprise, though, as that\u2019s what most Americans <a href=\"https:\/\/www.businessinsider.com\/personal-finance\/what-americans-spend-housing-food-transportation-2019-4\" target=\"_blank\" rel=\"noopener\">spend their money on<\/a>. Once you have a better idea of <a href=\"https:\/\/www.lendnation.com\/blog\/article\/9-signs-you-are-overspending-your-budget\" target=\"_blank\" rel=\"noopener\">where you could be overspending<\/a>, you can take steps to set budgets in those particular areas and come up with ways to save, like making and eating meals at home, taking your own coffee to work, and using public transportation more often.<\/p>\n\n\n\n<p>\n<span style=\"font-size: 18px;\">Refinance your home or car<\/span><\/p>\n\n\n\n<p>While this isn\u2019t exactly a quick fix to cut spending, refinancing your home or car could save you lots of money in the long-term while lowering your monthly payments. Even if it lowers your monthly payment by just $50, that\u2019s $600 a year, and $3,000 in five years. That\u2019s a big chunk of change! Talk to your lender and <a href=\"https:\/\/www.nerdwallet.com\/blog\/mortgages\/mortgage-interest-rates-forecast\/\" target=\"_blank\" rel=\"noopener\">pay attention to interest rates<\/a>&nbsp;to see if it\u2019s a good time to act. If you\u2019re not sure whether refinancing is right for you \u2014 or even worth it \u2014 there are a few helpful tools to help you out.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.nerdwallet.com\/mortgages\/refinance-calculator\" target=\"_blank\" rel=\"noopener\"><strong>Mortgage refinance calculator<\/strong><\/a>: Quickly determine how much refinancing your mortgage can save you.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nerdwallet.com\/blog\/loans\/auto-loans\/refinance-calculator-2\/\" target=\"_blank\" rel=\"noopener\"><strong>Auto loan refinance calculator<\/strong><\/a><strong>:<\/strong> Calculate your potential monthly payment and overall savings.<\/li>\n\n\n\n<li><a href=\"https:\/\/abcnews.go.com\/Business\/Retirement\/mortgage-refinancing-rule-5s\/story?id=10649069\" target=\"_blank\" rel=\"noopener\"><strong>Rule of 5s<\/strong><\/a>: These helpful rules can serve as a guide to help you determine whether refinancing is right for you.<\/li>\n<\/ul>\n\n\n\n<p>In addition to considering refinancing, you can also get in touch with your insurance providers to see what better deals they may be able to offer. Whether it\u2019s based on your good record or how long you\u2019ve been a customer, it\u2019s always worth asking how they can help you lower your payments. After all, you\u2019ll never know the answer unless you ask.<\/p>\n\n\n\n<p>\n<span style=\"font-size: 18px;\">Consolidate your debt<\/span><\/p>\n\n\n\n<p>In addition to the loans we take out to pay for college, homes, and vehicles, lots of us also juggle several forms of credit card debt. But with so many loans taken out at different times, there could be a huge difference in interest rates, terms, and monthly payments. As a result, you could be overpaying on interest in certain areas. If that sounds like you, it might be time to consider consolidation.<\/p>\n\n\n\n<p>With a <a href=\"https:\/\/www.nerdwallet.com\/blog\/loans\/debt-consolidation-calculator\/\" target=\"_blank\" rel=\"noopener\">debt consolidation calculator<\/a>, you can add each of your loans, the interest rate, and your monthly payment. From there, it will help determine a new interest rate, how much you\u2019ll save over time, and your new estimated monthly payment. Compared to all the separate loan or credit card payments you may have now, you might be surprised to see a much lower, once-a-month payment, helping lower your overall monthly spending.<\/p>\n\n\n\n<p>\n<span style=\"font-size: 18px;\">Consider a small lifestyle change<\/span><\/p>\n\n\n\n<p>Cutting spending in the biggest areas of your life can be overwhelming and take some time. Thankfully, though, there are other quick and easy ways to reduce your excess spending that don\u2019t require much change or paperwork. Here are some ideas to help get you started:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Plan your meals ahead of time<\/li>\n\n\n\n<li>Make shopping lists and stick to them<\/li>\n\n\n\n<li>Cancel memberships or subscriptions you don\u2019t use<\/li>\n\n\n\n<li>Use public transportation more often<\/li>\n\n\n\n<li>Consider cutting the cord and using streaming services instead of cable<\/li>\n\n\n\n<li>Sell unused or unwanted items<\/li>\n\n\n\n<li>Use energy-efficient appliances and light bulbs<\/li>\n\n\n\n<li>Create homemade gifts &amp; wrapping paper instead of purchasing store-bought ones<\/li>\n\n\n\n<li><a href=\"https:\/\/www.lendnation.com\/blog\/article\/take-a-staycation-to-save-money\" target=\"_blank\" rel=\"noopener\">Take a staycation<\/a><\/li>\n\n\n\n<li>Attend free events and activities in your neighborhood<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-nbsp-lendnation-is-here-to-help\">&nbsp;<br>\nLendNation is here to help<\/h2>\n\n\n\n<p>Cutting your spending can be tough, especially when you\u2019re facing a financial hurdle or emergency. That\u2019s where LendNation comes in to help you get the cash you need fast \u2014 and when you need it. With flexible lending options to choose from, you can find the right solution to fit your needs. The best part? You can do it online or in-store. Check out our title, installment and payday loan options, then <a href=\"http:\/\/www.lendnation.com\/\">apply today<\/a>!<\/p>\n<\/div>\n\n\n\n<aside class=\"wp-block-group p-post-single-related has-global-padding is-layout-constrained wp-container-core-group-is-layout-07747ed5 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--80)\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60)\"\/>\n\n\n\n\n\n<h2 class=\"wp-block-heading has-display-small-font-size\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--50)\">Explore Related Posts<\/h2>\n\n\n\n<div class=\"wp-block-group p-latest-posts-columns is-style-default is-layout-flow\">\n\t<div class=\"wp-block-query is-layout-flow\">\n\t\t<ul class=\"is-flex-container columns-2 wp-block-post-template is-layout-flow\">\n\t\t\t\t\t<li class=\"wp-block-post post-11555 post 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class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.lendnation.com\/blog\/\">Visit Blog\n\t\t\t                                                                                                  Homepage<\/a><\/div>\n<\/div>\n<\/aside>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>Looking to lower your spending but not sure where to start? LendNation is sharing the best ways to cut excess spending and gain better financial control.<\/p>\n","protected":false},"author":18,"featured_media":1448,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[9],"tags":[78],"class_list":["post-1058","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting","tag-title-loan"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Tips To Cut Excess Spending - LendNation<\/title>\n<meta name=\"description\" content=\"Looking to lower your spending but not sure where to start? LendNation is sharing the best ways to cut excess spending and gain better financial control.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lendnation.com\/blog\/article\/tips-to-cut-excess-spending\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tips To Cut Excess Spending\" \/>\n<meta property=\"og:description\" content=\"Looking to lower your spending but not sure where to start? 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