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Are you trying to cut down on costs but still finding yourself short of funds some of the time? The Pennsylvania Institute of Certified Public Accountants offers these simple solutions to help you eliminate unnecessary spending and pump up your budget power.

Take a gift card to lunch

Everyday indulgences, such as a morning latte or a takeout lunch, are a lot more expensive than bringing your own coffee or midday meal. Here’s one way to treat yourself without overspending: Decide how much you can afford to spend at your favorite coffee house or restaurant each month, then buy yourself a gift card for that amount from that establishment at the beginning of every month. Use it whenever you want something special, but don’t allow yourself any more splurges if the card runs out early. This way you’ll still be able to enjoy treats without busting your budget.

Drop unused channels

When it comes to watching TV, are you paying for premium channels that you never use, or do you even watch enough TV to warrant an expensive cable package? It may be smart to evaluate what you actually need when it comes to television service. According to the NPD Group, the average household is expected to pay $200 per month for TV by 2020. You could save yourself a nice amount each month by dropping unused premium channels or other services you don’t actually need.

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