{"id":2931,"date":"2021-01-22T07:33:27","date_gmt":"2021-01-22T12:33:27","guid":{"rendered":"https:\/\/smartlivingscientist.com\/?p=2931"},"modified":"2021-01-25T23:20:18","modified_gmt":"2021-01-26T04:20:18","slug":"how-i-saved-over-2000-on-expenses-purchases-in-2020","status":"publish","type":"post","link":"https:\/\/smartlivingscientist.com\/how-i-saved-over-2000-on-expenses-purchases-in-2020\/","title":{"rendered":"How I Saved Over $2,000 On Expenses &#038; Purchases In 2020"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2931\" class=\"elementor elementor-2931\">\n\t\t\t\t\t\t<div class=\"elementor-inner\">\n\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-21c64b8c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"21c64b8c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3972b716\" data-id=\"3972b716\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3dfc41c1 elementor-widget elementor-widget-text-editor\" data-id=\"3dfc41c1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>In addition to <strong><a href=\"https:\/\/smartlivingscientist.com\/how-i-made-over-30k-in-extra-income-outside-my-job-in-2020\/\">making over $30,000 in extra income in 2020<\/a><\/strong>, I saved over $2,000 on expenses and purchases.<\/p><p>The COVID-19 pandemic introduced many opportunities to save money and in some ways, actually forced people to save money. Many of us traveled and dined out much less than we would have otherwise, which are often two of our higher expenses.<\/p><p>While I did save quite a bit of money from the reduced travel and dining, I also saved quite a bit in other expenses and purchases.\u00a0<\/p><p>Here&#8217;s exactly how much I saved, where I saved, and how I did it.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ddd5872 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ddd5872\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bce2724\" data-id=\"bce2724\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-66a7b40 elementor-widget elementor-widget-text-editor\" data-id=\"66a7b40\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>Related Article:\u00a0<a href=\"https:\/\/smartlivingscientist.com\/how-i-made-over-30k-in-extra-income-outside-my-job-in-2020\/\" target=\"_blank\" rel=\"noopener\">How I Made Over $30K In Extra Income Outside My Job In 2020<\/a><\/strong><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4d74b73c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4d74b73c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5f9c9514\" data-id=\"5f9c9514\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-57b79563 elementor-widget elementor-widget-heading\" data-id=\"57b79563\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">How much I saved in expenses &amp; purchases<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50324628 elementor-widget elementor-widget-text-editor\" data-id=\"50324628\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>I saved <strong>$2,319.08 on my expenses and purchases <\/strong>in 2020. Now, I was able to save more than that in other ways that I did not track. But, these are some of the major things that I thought was worth mentioning and was easy to track.<\/p><p>Here&#8217;s a quick breakdown.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15c51309 eael-table-align-center eael-dt-th-align-left eael-dt-td-align-left elementor-widget elementor-widget-eael-data-table\" data-id=\"15c51309\" data-element_type=\"widget\" data-widget_type=\"eael-data-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"eael-data-table-wrap\" data-table_id=\"15c51309\" data-custom_responsive=\"false\">\n\t\t\t<table class=\"tablesorter eael-data-table center\" id=\"eael-data-table-15c51309\">\n\t\t\t    <thead>\n\t\t\t        <tr class=\"table-header\">\n\t\t\t\t\t\t\t\t\t            <th class=\"\" id=\"\" colspan=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"data-table-header-text\">Source<\/span><\/th>\n\t\t\t        \t\t\t\t            <th class=\"\" id=\"\" colspan=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"data-table-header-text\">Amount Saved<\/span><\/th>\n\t\t\t        \t\t\t\t        <\/tr>\n\t\t\t    <\/thead>\n\t\t\t  \t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">Cable &amp; Internet<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">$75.50*<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">Car Insurance<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">$225.85<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">Credit Card Purchases<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">$476.57<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">Food Delivery Fees<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">$25.42<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">Gas<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">$134.36<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">Health Insurance<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">$685.09<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">Home Mortgage<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">$670.88*<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"2\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">*Savings split with my wife<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t    <\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\t  \t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6779065 elementor-widget elementor-widget-spacer\" data-id=\"6779065\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-36bc3cc8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"36bc3cc8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3f96e95e\" data-id=\"3f96e95e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-760947b elementor-widget elementor-widget-heading\" data-id=\"760947b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Cable & internet savings<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6aa61399 elementor-widget elementor-widget-text-editor\" data-id=\"6aa61399\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>In 2020 my wife and I realized we weren&#8217;t watching a whole lot of television and most of the things we did watch were streamed online. We called our cable and internet company, <strong><a href=\"https:\/\/www.rcn.com\/boston\/\" target=\"_blank\" rel=\"noopener\">RCN<\/a><\/strong>, and did the math on the savings.<\/p><p>We kept the same internet plan but removed cable TV, which saved us $21.57 a month. That was enough savings each month for us so we canceled cable TV in May, which allowed us to save $21.57 each month for seven months.<\/p><p>I split the bill evenly with my wife so we each saved $75.50 last year. So if I combined our savings, we <strong>saved a total of $150.99<\/strong> in seven months.\u00a0<\/p><p>Not too shabby!<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-44440d4f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"44440d4f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3f9bd5c0\" data-id=\"3f9bd5c0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6bb9b984 elementor-widget elementor-widget-heading\" data-id=\"6bb9b984\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Car insurance savings<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-606b625b elementor-widget elementor-widget-text-editor\" data-id=\"606b625b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>When my auto insurance policy with Geico renewed last year, my annual premium increased from the previous year.<\/p><p>I honestly hate car insurance companies because they always seem to increase the amount every year even though I&#8217;ve been driving the same number of miles or less and my car is getting older every year. I mean, shouldn&#8217;t it stay the same or go down? They usually say it&#8217;s due to increasing costs on their end or some other lame excuse.<\/p><p>Anyway, if the cost is not much higher than the previous year, I usually just leave it. Otherwise, I call to ask them if they can lower it.\u00a0<\/p><p>Since my car was six years old in 2020, I reevaluated my policy to see if I still needed the same coverage. I realized that I did not need the same coverage and was able to lower my monthly bill by $4.48. It wasn&#8217;t much but it was at least something. Why pay more for coverage that I did not need right?<\/p><p>Geico also offered a 15% discount for everyone because of the pandemic, which was great. They applied this discount to the last two months of my policy, which meant that I only saved $4.48 for 10 months.<\/p><p>My total savings was $44.80 from my changes to the policy and $181.05 from Geico&#8217;s generous 15% discount for a <strong>total savings of $225.85<\/strong>.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a030d21 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a030d21\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-66fc22f0\" data-id=\"66fc22f0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-51602afa elementor-widget elementor-widget-heading\" data-id=\"51602afa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Credit card purchases savings<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cfadf70 elementor-widget elementor-widget-text-editor\" data-id=\"5cfadf70\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>One of the perks of using credit cards, especially cards from American Express, is the savings that it can provide. Chase and Amex credit cards offer some of the best statement credits out there. These credit offers can also be stacked on top of other promotions, helping you save even more.<\/p><p>I was able to save a <strong>total of $476.57<\/strong>.\u00a0<\/p><p>Here&#8217;s how much I saved from my purchases with each of my Chase and American Express credit cards.<\/p><ul><li><strong>Chase Sapphire Reserve<\/strong>: $6.58<\/li><li><strong>Chase Freedom Unlimited<\/strong>: $38.69<\/li><li><strong>Chase Freedom Flex<\/strong>: $0<\/li><li><b>Chase Freedom<\/b>: $4.51<\/li><li><b>Chase Ink Business Cash<\/b>: $0<\/li><li><b>Chase Amazon Prime Rewards<\/b>: $0.76<\/li><li><b>American Express Gold<\/b>: $120<\/li><li><b>American Express Everyday<\/b>: $90<\/li><li><strong>American Express Blue Business Plus<\/strong>: $216.03<\/li><\/ul><p>My Chase cards usually have the fewest offers and not each card has the same number of offers either. Many of the offers are also usually the same among my Chase cards. American Express provides many more offers than my Chase cards, but many of them are also the same on each card. And you can only add the same offers to one card only.<\/p><p>Nonetheless, I was able to save quite a bit with these offers. These savings were from purchases I was already going to make regardless of the offers. None of those purchases were made just because I had a nice offer that provided a good discount. The offers only made my purchases even more affordable.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ee5c9d8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee5c9d8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-75417e3\" data-id=\"75417e3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c4fe165 elementor-widget elementor-widget-image\" data-id=\"c4fe165\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"471\" height=\"240\" src=\"https:\/\/i2.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2021\/01\/Amex-Blue-Business-Plus-Offers-Savings-2020-e1611318521521.png?fit=471%2C240&amp;ssl=1\" class=\"attachment-medium_large size-medium_large\" alt=\"\" srcset=\"https:\/\/i2.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2021\/01\/Amex-Blue-Business-Plus-Offers-Savings-2020-e1611318521521.png?w=471&amp;ssl=1 471w, https:\/\/i2.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2021\/01\/Amex-Blue-Business-Plus-Offers-Savings-2020-e1611318521521.png?resize=300%2C153&amp;ssl=1 300w\" sizes=\"(max-width: 471px) 100vw, 471px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Savings from Blue Business Plus Amex Offers<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f01422d\" data-id=\"f01422d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-aadf071 elementor-widget elementor-widget-image\" data-id=\"aadf071\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"391\" src=\"https:\/\/i2.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2021\/01\/Amex-Gold-Offers-Savings-2020-e1611318585112.png?fit=768%2C391&amp;ssl=1\" class=\"attachment-medium_large size-medium_large\" alt=\"\" srcset=\"https:\/\/i2.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2021\/01\/Amex-Gold-Offers-Savings-2020-e1611318585112.png?w=864&amp;ssl=1 864w, https:\/\/i2.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2021\/01\/Amex-Gold-Offers-Savings-2020-e1611318585112.png?resize=300%2C153&amp;ssl=1 300w, https:\/\/i2.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2021\/01\/Amex-Gold-Offers-Savings-2020-e1611318585112.png?resize=768%2C391&amp;ssl=1 768w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Savings from Gold Amex Offers<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-550c8b0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"550c8b0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a16ee11\" data-id=\"a16ee11\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6abaa73 elementor-widget elementor-widget-heading\" data-id=\"6abaa73\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Food delivery fees savings<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2023dbd elementor-widget elementor-widget-text-editor\" data-id=\"2023dbd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Since the pandemic caused restaurants to close at the beginning of the year, my wife and I began to order takeout to support restaurants. Even when restaurants opened up and dining was allowed at limited capacities, we still felt safer to order takeout.<\/p><p>In terms of food delivery services, we use mostly Grubhub because of the monthly $10 credit from my Amex Gold credit card. We also sometimes use DoorDash and Uber Eats depending on which service offered to deliver for the restaurants we wanted.<\/p><p>Delivery and service fees from food delivery services can add up quickly even if you only use them a few times a year. In 2020, I saved a<strong> total of $50.84<\/strong> in delivery and service fees and we ordered takeout <strong>about 16 times the entire year<\/strong>. I was able to save money in delivery and service fees through my complimentary Grubhub+, DashPass, and Uber Eats Pass memberships provided by my credit cards.<\/p><p>Here are the cards that provided me those complimentary memberships.<\/p><ul><li><strong>Chase Sapphire Reserve: <\/strong>12-month complimentary <strong><a href=\"https:\/\/www.doordash.com\/dashpass-v2\/chase\/sapphire-reserve\/en-US\" target=\"_blank\" rel=\"noopener\">DashPass<\/a><\/strong> and <strong><a href=\"https:\/\/www.lyft.com\/ride-passes\/lyft-pink?moved_login=true&amp;utm_source=pinkvanityurl\">Lyft Pink<\/a><\/strong> (free Grubhub+)<\/li><li><strong>American Express Gold<\/strong>: 12-month complimentary <a href=\"https:\/\/www.uber.com\/us\/en\/u\/amex\/\" target=\"_blank\" rel=\"noopener\"><strong>Uber Eats Pass<\/strong><\/a> (must enroll by 12\/31\/21)<\/li><\/ul><p>As you can see, I was able to get all three food delivery service memberships <em>for free<\/em> just by owning two credit cards. These complimentary memberships will expire towards the end of 2021 but I do not plan on paying to renew any of these subscriptions. While I typically do not use food delivery services, I will make use of them during this pandemic and enjoy reaping the benefits while I have them.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4edce8f8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4edce8f8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-17e0adb\" data-id=\"17e0adb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-307c48c4 elementor-widget elementor-widget-heading\" data-id=\"307c48c4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Gas savings<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20e77137 elementor-widget elementor-widget-text-editor\" data-id=\"20e77137\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Here&#8217;s the thing &#8211; I like to fill my car up with gasoline from <strong><a href=\"https:\/\/www.toptiergas.com\/licensed-brands\/\" target=\"_blank\" rel=\"noopener\">top tier gas brands<\/a><\/strong> like Shell and Mobil. Top tier gas companies are required to have a certain level of detergents in their gasoline that help keep the engine cleaner. In theory, this will keep your car running smoother and longer.\u00a0<\/p><p>I saved <strong>$134.36<\/strong> in top tier gas in 2020 through the <strong><a href=\"https:\/\/www.fuelrewards.com\/fuelrewards\/welcome.html?RefId=25c86586fc9f4c7eb9835d364d06f187\" target=\"_blank\" rel=\"noopener\">Fuel Rewards<\/a><\/strong> program.<\/p><p>Prior to using Fuel Rewards, I filled my tank at Mobil because I was a member of their <strong><a href=\"https:\/\/www.exxon.com\/en\/rewards-program\" target=\"_blank\" rel=\"noopener\">Rewards+<\/a><\/strong> program. However, this program is not nearly as competitive as the Fuel Rewards program for me. Being a Gold member I automatically get 5\u00a2 off per gallon. As a T-Mobile customer,<a href=\"https:\/\/www.t-mobile.com\/offers\/t-mobile-tuesdays\" target=\"_blank\" rel=\"noopener\"><strong> T-Mobile Tuesdays<\/strong><\/a> gives me 10\u00a2 off per gallon.<\/p><p>That&#8217;s an automatic 15\u00a2 off per gallon every week! With Mobil&#8217;s Rewards+ program I was earning 3\u00a2\/gal and I average 7 gallons a week, giving me a total of 21\u00a2 off my next fill-up. Compared to saving $1.05 on 7 gallons, switching to the Fuel Rewards program and Shell was a no brainer.<\/p><p>Not to mention that I also buy my groceries at Stop &amp; Shop, which is a partner of the Fuel Rewards program. I usually redeem an average of 200 Stop &amp; Shop Go Rewards points per week, which adds 20\u00a2 off per gallon to the 15\u00a2 for a total of 35\u00a2 off per gallon or a savings of about $2.45 every week I fill up.<\/p><p>Not too shabby! It adds up quickly, especially if you drive a lot. I average 7 gallons a week and I fill up about 50 times a year so I can expect to save over $100 a year in gas.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-670c45c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"670c45c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-567d2c7\" data-id=\"567d2c7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8d899b7 elementor-widget elementor-widget-text-editor\" data-id=\"8d899b7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong><span style=\"text-decoration: underline;\">Smart Living Tip:<\/span>\u00a0<\/strong>Only fill up at Shell and use the Fuel Rewards program if it makes sense. If you do not normally fill up at Shell but the price is similar to your default gas station, then switching to Shell and using the FR program could both save you more money and give your car top tier gasoline.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-49182fd5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"49182fd5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-79d34359\" data-id=\"79d34359\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4bb2f3f0 elementor-position-right elementor-vertical-align-top elementor-invisible elementor-widget elementor-widget-image-box\" data-id=\"4bb2f3f0\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInRight&quot;}\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"400\" height=\"400\" src=\"https:\/\/i0.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/08\/Fuel-Rewards-Logo.jpg?fit=400%2C400&amp;ssl=1\" class=\"attachment-full size-full\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Fuel Rewards<\/h3><p class=\"elementor-image-box-description\">Sign up with my referral link to get automatic get Gold Status and save 5\u00a2 off per gallon!\n<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4599770f elementor-invisible elementor-widget elementor-widget-button\" data-id=\"4599770f\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInRight&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/www.fuelrewards.com\/fuelrewards\/welcome.html?RefId=25c86586fc9f4c7eb9835d364d06f187\" target=\"_blank\" class=\"elementor-button-link elementor-button elementor-size-lg elementor-animation-bob\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-flask\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">JOIN THE FUEL REWARDS PROGRAM<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-709111e4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"709111e4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-523d67ab\" data-id=\"523d67ab\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-28e9930a elementor-widget elementor-widget-heading\" data-id=\"28e9930a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Health insurance savings<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ba156b0 elementor-widget elementor-widget-text-editor\" data-id=\"4ba156b0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Working at a very small company, my health insurance plan is expensive and not the greatest. I was on my wife&#8217;s (girlfriend at the time) health insurance plan all of 2019. She switched jobs in January and I had to go back to my employer&#8217;s plan, which cost twice as much and it was not nearly as good.<\/p><p>My wife did not like her new job so she went back to her former company under a new position. She was able to put me back under her plan and in doing so I saved <strong>$685.09<\/strong> in 2020.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-675a92b4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"675a92b4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-59d02b96\" data-id=\"59d02b96\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-57294e88 elementor-widget elementor-widget-heading\" data-id=\"57294e88\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Home mortgage savings<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6447d764 elementor-widget elementor-widget-text-editor\" data-id=\"6447d764\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>One day my loan advisor called me and suggested that I refinance our mortgage. Our interest rate was 4.5% when we took the mortgage in 2017. And because of the pandemic, mortgage interest rates dropped to 3.5% in July when we refinanced.<\/p><p>We did the math and determined refinancing was worth it so we went ahead and did it. It cost about $1,500 to refinance but we saved $268.35 a month. This meant it would take about 6 months to break even with the cost of the refinance, which we just did.<\/p><p>I guess I really didn&#8217;t save any money in 2020 but we rolled the refinance cost into the loan so together we technically did save <strong>$1,341.75\u00a0<\/strong>and I personally saved half of that which comes out to be <strong>$670.88<\/strong>.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4cf37a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4cf37a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-75392087\" data-id=\"75392087\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ed4f251 elementor-widget elementor-widget-heading\" data-id=\"5ed4f251\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Final thoughts<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cc2737a elementor-widget elementor-widget-text-editor\" data-id=\"6cc2737a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>In 2020, I found new ways to save more money on my expenses and purchases. I dissected all my expenses and got rid of those that were no longer necessary and reduced the cost of those that were necessary. I also spent a little more time taking the extra steps to save money on purchases I was already going to make. This was not something I really ever did prior to 2020, well at least not to the same extent.\u00a0<\/p><p>Doing so and figuring new and more ways I can save allowed me to save over $2,000. That&#8217;s $2,000 I could put towards something else such as my next vacation (when the pandemic is over) or my investment portfolio where I can use that money to make even more money.<\/p><p>Focusing on saving money is always great but there is a limit to how much we can save. We can only cut back so much before we cannot. However, there is no limit to how much we can earn.<\/p><p>While saving over $2,000 in 2020 was great, <strong><a href=\"https:\/\/smartlivingscientist.com\/how-i-made-over-30k-in-extra-income-outside-my-job-in-2020\/\" target=\"_blank\" rel=\"noopener\">earning over $30K in extra income outside my job<\/a><\/strong> was even better. And finding ways to earn more money is something I will focus more on in 2021.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3308748c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3308748c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5b41367d\" data-id=\"5b41367d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-22f0d660 elementor-widget elementor-widget-heading\" data-id=\"22f0d660\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Related Articles<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20df0beb elementor-widget elementor-widget-text-editor\" data-id=\"20df0beb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<ul><li><strong><a href=\"https:\/\/smartlivingscientist.com\/how-i-made-over-30k-in-extra-income-outside-my-job-in-2020\/\" target=\"_blank\" rel=\"noopener\">How I Made Over $30K In Extra Income Outside My Job In 2020<\/a><\/strong><\/li><li><strong><a href=\"https:\/\/smartlivingscientist.com\/is-your-money-saved-in-vacuoles-or-mitochondria\/\" target=\"_blank\" rel=\"noopener\">Is Your Money Saved In Vacuoles Or Mitochondria?<\/a><\/strong><\/li><\/ul>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7e721598 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7e721598\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2d4a33de\" data-id=\"2d4a33de\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4af0d4a9 elementor-widget elementor-widget-text-editor\" data-id=\"4af0d4a9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Want to become a personal finance scientist and get the latest research?<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22eaf977 elementor-widget elementor-widget-heading\" data-id=\"22eaf977\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\"><b>Join the SLS Community<\/b><\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40816eaa elementor-widget elementor-widget-text-editor\" data-id=\"40816eaa\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Our emails are full of valuable and essential content specifically tailored to you to help you find the right personal finance formula.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ab4e4c7 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"7ab4e4c7\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/smartlivingscientist.ck.page\/b1af2b1a53\" target=\"_blank\" class=\"elementor-button-link elementor-button elementor-size-lg elementor-animation-grow\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Subscribe<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>In addition to making over $30,000 in extra income in 2020, I saved over $2,000 on expenses and purchases. The COVID-19 pandemic introduced many opportunities to save money and in some ways, actually forced people to save money. Many of us traveled and dined out much less than we would have otherwise, which are often &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/smartlivingscientist.com\/how-i-saved-over-2000-on-expenses-purchases-in-2020\/\"> <span class=\"screen-reader-text\">How I Saved Over $2,000 On Expenses &#038; Purchases In 2020<\/span> Read More &raquo;<\/a><\/p>\n","protected":false},"author":2,"featured_media":3005,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"spay_email":"","footnotes":""},"categories":[6,27,23],"tags":[],"table_tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v16.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How I Saved Over $2,000 On Expenses &amp; Purchases In 2020 - Smart Living Scientist<\/title>\n<meta name=\"description\" content=\"Here&#039;s how I saved over $2,000 in expenses and purchases in 2020. 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