How to Save Money on Non-Negotiable Expenses

Reasons to Add Fun Money to Your Budget

At the beginning of a new year, many of us make the brave decision to reassess our budgets and cut down on things we don’t need to be spending money on. Subscriptions get canceled and we make plans to cook more and get less takeout.

However, if you’re already a frugal spender and don’t waste much, you might be wondering if there’s any way you could also trim down your budget even further. Cutting out luxuries and non-negotiable expenses and essentials isn’t the only way to free up space in your bank account – here are some essential expenses that you can reduce too.


We all have to pay for insurance, but do we really need to be paying so much? It’s a good idea to try an annual audit of all your policies and plans. Take a look at what you’re paying and shop around for better deals – there will almost always be a better offer out there.

You don’t need to be loyally committed to your insurance company. Hunt for the best auto insurance, home insurance, health insurance, and any other policies you’re paying for and ask for better prices.

Gas and Travel

Getting from place to place is obviously an essential expense, but if we really commit to it we can make a change in this department too. While there’s nothing we can do about the price of gas and train fares, we do have control over how often we use these.

Making an effort to walk or ride a bike more often can make massive changes in your travel expenses. Quick trips made on foot to the store, to grab your morning coffee, and to the gym, can add up to save you a load of money you otherwise would have spent on gas or public transport. You’ll also be doing your health and the planet a favor.

Living Expenses

Having a roof over your head is something you can’t go without. It’s one of the non-negotiable expenses, but if you’re really struggling to make ends meet with your existing income and budget, consider downscaling your living expenses.

Living small and minimally isn’t necessarily a bad thing. Look for homes that suit your needs (and nothing more) that are a little cheaper than what you’re currently paying. Excessive living space isn’t necessary, and anything you’re willing to cut back can lead to more money in your account.


Avoiding takeout and restaurants is one thing, but cutting back your grocery bill is another. You can reduce your food consumption even further by planning your home cooking well and implementing a few strict rules in your household.

Meal planning is a great way to plan ahead what you’ll be eating for the week and avoid any wasting. You can also shop seasonally since in-season produce is always more affordable. Buy non-perishable items in bulk if this is cheaper and always opt for using coupons where you can.

Saving money doesn’t have to be impossible! With a little consideration and effort, you could be cutting back your bills in no time and taking care of non-negotiable expenses.

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