Saving money and cutting expenses are never the favorite dinner table topic, but they are vitally important for individuals and families to discuss. And while there are quite a few drastic ways to save money on your monthly bills, there are actually quite a few small but simple ways to save that you can start TODAY. These seemingly easy adjustments probably won’t have that big of an impact on your day-to-day, but could result in some substantial savings.

Here are five very simple budget cuts that you can make today:

Change Your Thermostat

Did you know that adjusting your thermostat by just one degree can result in up to 10% energy savings? Keeping our homes cool in the summer and warm in the winter is expensive, and takes a lot of energy. And, the amount of energy that you save by adjusting the temperature is substantial. Depending on where you live, the results could be even more staggering.

Part of the reason the energy savings are so high is because most electric companies charge in a tiered rating system, which means that higher users get charged substantially more. This is why even cutting back a little bit can have a dramatic effect, because it can move you out of a higher tier and into a lower one.

Start by seeing if you can handle a temperature of 68 degrees in the winter and 74 degrees in the summer. Throw on a sweater in the winter if it feels a little cool, and make use of a few box fans in the summer if it’s still a bit hot.

Continue pushing until you find a temperature that you are comfortable with, even if it isn’t perfect. If you want to take it a step further, try adding insulation to your attic, and making sure that all your doors and windows are sealed tight.

Make Coffee at Home

Grabbing coffee on the go is convenient, but it’s also extremely expensive. Cut this habit out and you’ll see immediate savings. And, it isn’t very hard to do.

Figure out how to make the equivalent of what you buy at home. If you drink regular drip coffee, this should be pretty simple. Get a cheap coffeemaker, and make sure it has a timer. Set it up the night before, so that your coffee is ready when you get up to leave. One of the biggest reasons people pick up coffee on the go is because they ran out of time to make it in the morning.

If you tend to prefer a fancier drink, like a latte, look into purchasing a used espresso machine. This will add time to your daily routine, as making a latte can take 5 minutes. But, you’ll save yourself quite a bit of money. You can also try purchasing a machine that makes the drink for you, like a Nespresso.

If possible, try cutting back on the expensive coffee drinks. Perhaps only grab one on a special occasion, or once a week.

Turn your Hot Water Heater Down

Similar to point #1, keeping your hot water heater warm takes a lot of energy. Your hot water heater has to keep an entire drum of water hot all the time, so that you have hot water when you want it. Depending on what temperature you have it set to, this ongoing process can take a lot of energy.

You would be surprised how hot you actually need the temperature set to. You might have the temperature set much higher than needed. Test different temperature settings to see how low you can go.

Cut Out On Subscription

Chances are, you have at least one monthly subscription you don’t utilize to the fullest of it’s extent. Perhaps this is a daily newspaper delivery, or the more obvious one: your cable TV subscription. Either way, try finding one subscription that you aren’t making use of, and get rid of it.

If you have an expensive gym membership, perhaps try making a portable home made gym out of a spare bedroom and picking up a few used dumbbells and kettlebells. Or make exercising a family event and workout with your kids!

Of course, you can also try cutting your cable bill, and instead go with Hulu, Netflix, or Sling Box.

The list goes on, but for most families, you’ll be able to find at least one subscription to cut out.

Stop Drying with the Dishwasher

Another easy one to put into place right now, stop using the dry setting on your dishwasher. While dishwashers have become a lot more efficient in their water usage, their energy usage for drying has not gotten a lot better. Dishwashers use a tremendous amount of energy when drying dishes, and you don’t really need to use them for this task.

Just wash, and then open the dishwasher up and let the dishes air dry. It doesn’t take any extra work out of you, except to just wait a few hours for the dishes to try.

Saving money is not necessarily a fun topic, but there are simple things you can do right away to start saving. Once you see how easy it can be to save money, you’ll have the motivation to tackle the bigger and more challenging money saving tactics.

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Allen Michael is the founder and editor of The Stick Vacuums (https://thestickvacuums.com/), a website focused on helping others keep a clean home as efficiently as possible. Allen stumbled onto stick vacuums while trying to help his family keep their home clean with less work, and has since become an expert on saving money and time in your home.

Cut down on your expenses starting today with these 5 quick tips on how to start saving money today, including cutting down your cable bill! #cutcosts #budget #frugal #savemoney #thrifty #cable #howtosavemoney

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