14 Wallet-Draining Home Costs That Experts Cut Years Ago

Tried-and-true methods to cut home expenses straight from the pros.

Woman looking at bills
Updated June 6, 2024
Fact checked

We receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies.

When it’s time to reevaluate your budget, the best place to start is at home. It’s all too easy to get into a routine where you make the same wallet-draining mistakes day after day, not realizing there’s a better — and less expensive — way.

From hiring a house cleaner when you barely make a mess to cranking down the AC when you could rely on windows and fans, multiple mistakes could drive up your home expenses without realizing it.

Here are 14 of the biggest offenders and what to do to avoid throwing away money at home.

If you’re over 50, take advantage of massive discounts and financial resources

Over 50? Join AARP today — because if you’re not a member you could be missing out on huge perks. When you start your membership today, you can get discounts on things like travel, meal deliveries, eyeglasses, prescriptions that aren’t covered by insurance and more.

How to become a member today:

  • Go here, select your free gift, and click “Join Today”
  • Create your account (important!) by answering a few simple questions
  • Start enjoying your discounts and perks!

Important: Start your membership by creating an account here and filling in all of the information (Do not skip this step!) Doing so will allow you to take up 25% off your AARP membership, making it just $12 per year with auto-renewal.

Become an AARP member now

Incandescent light bulbs

Andrey Popov/Adobe Woman changing bulb from chandelier

The Department of Energy has recommended households switch to energy-efficient LED bulbs to save upwards of $225 in energy costs each year, yet stores still sell older incandescent bulbs.

If you’re hesitant to switch or spring for the more expensive LED bulbs, remember, for every lamp with an old incandescent light bulb, you’re literally burning money.

Paper goods

New Africa/Adobe Cute cat playing with toilet roll

Not only is using paper towels and paper plates an unwise choice for the environment, but it’s also expensive. Instead, use more sustainable cloth towels, napkins, and dishware day-to-day. 

Keep a stack of towels in a drawer right by the oven or sink, and you’ll never even be tempted to reach for the roll of paper towels again.

House cleaner

Putra/Adobe Woman standing with cleaning bucket

Hiring a house cleaner to come every other week or once a month can feel indulgent, but it can also be expensive. If you’re trying to cut costs around the home, one of the first things to go should be paying someone else to clean. 

Set aside a weekend morning, grab some basic supplies — vinegar can handle almost anything — and get to work.

Resolve $10,000 or more of your debt

Credit card debt is suffocating. It constantly weighs on your mind and controls every choice you make. You can end up emotionally and even physically drained from it. And even though you make regular payments, it feels like you can never make any progress because of the interest.

National Debt Relief could help you resolve your credit card debt with an affordable plan that works for you. Just tell them your situation, then find out your debt relief options.1

How to get National Debt Relief to help you resolve your debt: Sign up for a free debt assessment here. (Do not skip this step!) By signing up for a free assessment, National Debt Relief can assist you in settling your debt, but only if you schedule the assessment.

Try it

Professional landscaping

Smole/Adobe Gardener laying sod

Rather than spend money on hiring someone to mow your lawn or plant new annuals every spring, cut professional landscaping and gardening from your budget. 

Instead, let your lawn turn into a native garden or pick up gardening as a hobby that gets you outside and keeps you active.

Cable TV

StockPhotoPro/Adobe Woman on couch browsing TV shows

As long as you don’t get caught in the trap of signing up for every subscription service from Disney+ and Hulu to Netflix, cutting cable and switching to a streaming provider could save you over $100 a month. 

Look at the streaming service offering the most shows you want to watch and limit yourself to that one subscription.


BOOCYS/Adobe Newspaper at door mat

Getting the newspaper delivered every morning may seem nostalgic, but how often do you sit down to read it? Or do you take out your phone to get the daily news? 

Cutting your daily subscription, or limiting it to Sunday service, can save you major dollars over the year.

Extreme temperature control

LIGHTFIELD STUDIOS/Adobe Woman relaxing under air conditioner

You don’t have to give up AC and heat altogether, but it’s worth taking stock of whether you’re cooling or heating your home more than you need to. 

Rather than wearing the same athleisure all year, dress for the weather outside. Try cotton and linen in the summer and wool in the winter. Then, see whether you need to set the thermostat to 68 degrees.

Half loads of laundry or dishes

Gorodenkoff/Adobe Woman loading dishes in dishwasher

Your washing machine and dryer will use the same amount of water and energy, whether they have a half or full load. 

So, unless you desperately need an item, wait until you have a full load to get the most out of every usage. Do the same for the dishwasher.

Old air filters

Trik/Adobe Man cleaning air conditioner filter

If you’re trying to eke out a few extra months from your air filters, you’re harming your HVAC system and making it work harder and preventing it from running at full capacity. 

Swap it out as your HVAC system recommends to keep it functioning efficiently.

Earn cash back on everyday purchases with this rare account

Want to earn cash back on your everyday purchases without using a credit card? With the Discover®️ Cashback Debit Checking account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month!2

With no credit check to apply and no monthly fees to worry about, you can earn nearly passive income on purchases you’re making anyway — up to an extra $360 a year!

This rare checking account has other great perks too, like access to your paycheck up to 2 days early with Early Pay, no minimum deposit or monthly balance requirements, over 60K fee-free ATMs, and the ability to add cash to your account at Walmart stores nationwide.

Don’t leave money on the table — it only takes minutes to apply and it won’t impact your credit score.

Apply for a Discover Cashback Checking account today

Wrong fan direction

Quality Stock Arts/Adobe Ceiling fan

Did you know you should switch your ceiling fan direction with the seasons? If you forget to switch directions, you’re fighting against your AC or heat.

Fans should run counter-clockwise during the summer to blow air down, while they should run clockwise in the winter to bring cold air up and warm air down. 

Single items

ronstik/Adobe Woman choosing detergents

Experts at saving know that buying in bulk is one of the most efficient ways to save money around the house. 

It costs more on the front end, but you’ll save when you buy everything from rice to toilet paper to shampoo in bulk rather than running to the store every time you need to replenish.

Too-high water heater temperature

Andrey Popov/Adobe Worker adjusting water heater temperature

Hot water heating can make up a significant portion of your monthly utility bill, but there’s a chance your water heater is set higher than it needs to be. 

Check the temperature; if it’s above 120 degrees Fahrenheit, you can lower it to that temperature and still enjoy a hot shower in the morning.

Continuously plugged in computers

New Africa/Adobe Woman connecting charger to laptop

If you’re not using your computer, unplug it. It might not seem like it’s using energy, but even operating on standby mode while plugged in could be tapping into your electricity bill.

While it’s not a ton of money, it could add up to $30 or more yearly that you don’t need to spend. Instead, only keep your computer plugged in while actively using or charging it. The same goes for printers and cell phones.

Sprinkler system leaks

Kirill Gorlov/Adobe Toddler standing beside sprinkler

According to the Department of Energy, a leak just 1/32nd of an inch in diameter can waste up to 6,300 gallons of water per month. And, while your water bill may not be the highest bill you pay, why waste money you don’t need to spend? Plus, why waste water?

Inspect your outdoor hoses, sprinkler systems, and faucets each spring, ensuring there hasn’t been damage over the winter. This ensures you’ll be ready to water your lawn — without draining your wallet.

Bottom line

Monkey Business/Adobe Senior couple taking care of plants

Most of these wallet-draining home costs aren’t decisions you purposefully make daily. They’re habits you become accustomed to, which means you can also easily break them.

Try cutting one or two this week, and see how it goes. You might find that you don’t miss those few degrees on your AC or don’t mind getting the extra steps while gardening, but you’ll undoubtedly notice the extra dollars in your bank account and lower your financial stress.

Choice Home Warranty Benefits

  • First month free
  • Protection for unexpected expense
  • 24/7 claims hotline
  • Network of over 15,000 technicians

Author Details

Heather Bien

Heather Bien is a writer covering personal finance and budgeting and how those relate to life, travel, entertaining, and more. With bylines that include The Spruce, Apartment Therapy, and mindbodygreen, she's covered everything from tax tips for freelancers to budgeting hacks to how to get the highest ROI out of your home renovations.