The Price Makers presents: how to cut your credit card bills in half!
If you want to learn how to cut your credit card bills in half, this article is for you. I have to admit that I was a great advice giver in terms of what to do with money and how to spend it to reach your financial goals, but I was the worst at following them.
I loved to buy things whenever there was a sale going on; retail therapy made me feel better and happier; and getting snacks from the grocery stores was one of my guilty pleasures.
However, when I woke up, I told myself that I had to stop because I spent too much money, and let me tell you my wife isn’t exactly a saver herself. So I decided to put my foot down and tell myself something like this: “Alexander, it’s time to cut your credit bills in half”.
Inflation might be slowing down, but the cost of living is still high. According to studies, in May 2023, Americans were spending more than $400 extra per month on fuel, housing, and food, compared to the same period a year before.
If you’re like me and inflation is forcing you to reevaluate your shopping habits, you’re at the right place, because I can teach you how to cut your credit card bills in half.
I decided to test these tips myself, and while the journey here wasn’t easy, I’m proud to say that both my wife and I managed to save a ton of money with these simple changes in our lifestyle.
It might seem hard to believe, but I tell you from my experience that if you religiously follow these suggestions, in just a month you’ll be able to cut your credit card bills in half. It seems hard to believe. Then let’s get this party started because these tips work!

1. Bye-bye shopping apps
I don’t know about you, but I love scrolling through several shopping apps, feeling like I have immense power at my fingertips. Online shopping makes people’s lives a lot easier, but it also makes us purchase things we don’t need just because it is convenient.
For example, I’m passionate about sneakers from both Nike and Jordan, and the fact that I had the Nike app on my phone constantly made me open it and order a new pair. So, that’s when I knew that my sneaker passion had gotten out of control and it was time to make some changes.
If you want to cut your credit card bills in half, I recommend you do the same thing I did, which is to delete all your shopping apps on your phone.
Out of sight, out of mind, so don’t be afraid to make a few changes, because that’s how you’ll manage to save money. Besides the financial aspect, this tip will also help you significantly reduce the amount of time you spend on your phone.
Do you have any tips on how to cut your credit card bills in half?
2. Allowance for my wants
I know you want to cut your credit card bills in half, but you don’t have to go cold turkey. You have to treat yourself every once in a while and let me tell you how you can do that.
Give yourself a small allowance each month for things that you want but don’t necessarily need. This means that you have money to spend on the things that bring you joy, such as makeup, clothes, kitchen utensils, and everything you like.
This will make you feel satisfied that you can still enjoy everything that makes you happy; you save money, but you don’t feel like you’re completely restricting yourself.
During my experiment, I tried to gather as much information as possible so that I had an easier journey trying to save money, and I’ve come across some tips Levon Galstyan, a certified public accountant at Oak View Law Group, shared.
What he said was that you need to follow a basic formula to keep things simple and help you balance your budget between necessities and desires.
Grab your phone and open your notes, or get a pen and a piece of paper and write down everything you buy, but divide those things into categories, such as household supplies, food, insurance, and subscriptions. When you’re done with that, arrange them again into needs and wants.
Add up the totals, and then set your financial priorities. Once you have a better idea of how much money you spend on everything, decide what is most important to you. After that, you can set a specific amount for your needs. For me, $50 was a decent amount, but it could be more or less for you, depending on your financial goals.
Cut your credit card bills in half by writing down your financial goals as well as your needs and wants. Click here to get a fantastic agenda that will motivate you to start saving money!

3. Grocery shopping lists
Another way to cut your credit card bills in half is to pay extra attention to your grocery shopping habits. Yes, food is a necessity, and you need it to survive and do your daily activities, but there are some ways you can go home with a cart full of things you need and still manage to cut your credit card bills in half.
When my wife and I went to the grocery store a few months ago, we were tempted to grab all the snacks off the shelves because we were just craving them.
Besides that, we were also tempted by all of those incredible buy-one-get-one-free wine sales. We knew we needed to stop all of these impulses because they were getting out of control, especially with those unhealthy snacks and too much wine.
If you want to cut your credit card bills in half, I suggest you make a shopping list and write down everything you need. Don’t think about restricting yourself too much, because that can cause problems. Allow yourself to get one thing that you don’t need, but no more than that.
Don’t forget to do a bit of pantry and freezer shopping before you head out, so you know what you already have and can come up with meal ideas to keep things interesting and use everything you bought.
Another tip I have for you is to get fewer name-brand items. Store-brand products are just as good as regular ones, the only difference being that they’re more affordable.
You can always sign up for a store’s newsletter to be the first one to get the newest deals, and don’t forget about their apps or membership programs either, because those can help you collect coupons and deals to reduce your spending.
If you want to know other tips on how to cut your credit card bills in half, keep reading!

4. No more sales for me
There’s nothing like walking into your favorite store or browsing a retailer’s website and noticing their sale section and a colorful “30% off” banner overhead. While sales are a fantastic way to get everything you want and still save money, especially on big purchases, they’re not going to help you cut your credit card bills in half if you’re always their victim.
Those on-sale products might seem like they help you save some cash, but if you keep adding and adding items to your cart, don’t you spend more money than you originally wanted to?
Of course, if you need those items, go ahead and make that purchase, but if you want and do not need them, you’d better find something else to focus your attention on.
If you want to cut your credit card bills in half, you’d better avoid the sales, because those discounted products will trick you into thinking that you need them when in reality you don’t.
While it might not be an easy journey if you want to cut your credit card bills in half, you’ll need to be focused on what you need, avoid buying things out on impulse, make grocery shopping lists, delete those shopping apps that make you spend way too much money, and focus on saving, but still give yourself permission to get a little treat every once in a while. You deserve it!
Other than that, follow these tips, and you’ll notice that you’ll cut your credit card bills in half in just a month! What do you think about this article? Was it helpful to you? Leave a comment below and let us know what you think!
If you want to read something else from The Price Makers, here’s a fantastic article for you to check out next: These Amazing 9 Coupon Sites Will Save You Hundreds