Uncategorized

If you have to have a credit card, make sure you get one with the lowest interest rate possible; no […]

Get a free checking and savings account. The bank will nickel and dime you on dumb stuff like too many

Drink less alcohol. It costs money and adds calories.

Agree to limit gift giving. At Christmas our extended family and we go overboard when it comes to gift giving.

Pay car insurance semi-annually. At least with my car insurance, they offer quarterly and semi-annual payment options. It costs more

Replace incandescent bulbs with compact fluorescent light (CFLs) bulbs. These bulbs use 75% less energy and last 10 times longer.

Cut the cable/satellite: Rather than paying for expensive packages, downgrade. You can easily get movies streamed on Netflix for less

Do not purchase any house until it has been examined by a home inspector that you selected.

Consider purchasing a used car from an individual you know and trust. They are more likely than other sellers to

Avoid making restaurant visits an everyday event. Treat yourself once a week or once a month.

It keeps you safe and costs less on gas.

Eating out at lunch is fun, so I wouldn’t eliminate it completely. But taking lunch just one more day a

This is a great way to save money. Many don’t do it because of the 911 service, and that’s understandable.

With so many free checking account plans available, there’s no reason to pay a fee. And if the bank happens

When driving, avoid fast start-ups and stops. Over time, you will save hundreds of dollars on lower gas and maintenance

Use basic cloth diapers instead of disposable.

Consider freezer cooking if you tend to eat out, because you don’t have time in the evening to cook.

Practice healthy habits, like exercising. You won’t need to see the doctor as often.

Do your own taxes, rather than hiring an accountant. Programs like Turbo-Tax make doing taxes relatively easy.

Use the 48 hour rule. Make a commitment to wait 48 hours before making any unplanned purchase. Often the urge

Regardless of who you buy from, you can be abnormal and save money by shopping around every year or so

If you haven’t purchased jewelry in a while, you may be interested to know that the jewelry industry is going

Even if you buy the best stuff, if you don’t maintain it you will not save you as much money

Request a reduction in the interest rate for your home equity line of credit. I did and my mortgage company

Many libraries now have movies on DVD that can be checked out. If your library offers this free service, it