For many families, winter can be a moment of financial crisis. Not only does the financial crunch of the holidays reach, but for those who live in states that routinely get inclement weather, there is plus the cost of higher utility payments. Even fresh produce becomes more expensive. However, by taking a few steps in preparation, families can easily build their nest egg for winter to prevent financial strain.

For many families, the biggest expense is the cost of the rent or mortgage. Unfortunately, unless you refinance or move, there is not much that you can do about the cost. However, there are ten easy ways that you can cut spending and save money for a rainy (or snowy) day.

1. Buy Heating Oil Now! Prices tend to skyrocket as the temperature drops. Stocking up on heating oil now will help you get
   through the winter months without paying premium prices.
2. Little food changes add up to big savings. Food is a big expense for most family, both in the structure of groceries and eating at restaurants. Cutting back on dining out expenses will save you a lot of money. Instead of eating at the local fast food joint on your work break, pack a lunch from home. Skip the donut shop for breakfast, but instead buy a box of granola bars or some separate serve yogurt. You will not only save money, but end up eating healthier. Buying a coffee pot for home and brewing your own coffee can save you the cost you spend at fancy coffee shops. All of these expenses can add up to hundreds of dollars a month.

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Orginal post by Home Improvement Guy

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