Ten More Quick Tips to Save Money

More quick tips to save money. These are easy things to do that will save you money without really trying. With a few phone calls and perhaps a little adjustment of some bad habits and routines … you can be on your way to saving money. These are common sense changes that won’t leave you feeling deprived and going without.

Banking and Insurance

• If you worry about late charges and fees on credit cards, bills, etc., see if you can set up automatic debit to make payments.
• When using your ATM card stay in network to avoid bank charges.
• Get a cash back credit card.
• Get a free checking account. Search around and see who offers free checking with no minimum. Check online banks if you can’t find a brick-and-mortar bank.
• Sign up for overdraft protection to avoid bounced check fees.
• Consider raising your insurance deductibles to lower your premiums.

Cooking

• Cook at home versus going out to eat. We recently had dinner out and were actually disappointed — my husband said he thought my cooking was better and he liked our home atmosphere better. I had to agree. Home cooking it is and we’re saving money at the same time!
• Or, go out for lunch or for appetizers which are cheaper than dinner.
• Hit the early-bird specials and save.

Auto Related

• Lighten your car load — carrying excess weight in your trunk negatively impacts your MPG.

Shopping

• Shop on line. Comparing prices is a snap, you don’t use gas going from store-to-store, in most cases you don’t pay sales tax and can get free shipping … not to mention save money. I recently bought a new cell phone and needed all the chargers, USB cable, etc. It would have cost $40.00+ at the store, but I ended us getting it from a reputable shop on e-bay and paid less than $10.00. Bargin!
• Swap services — bartering is making a come back baby! Swap baby sitting, dog watching, etc. with family, friends and neighbors.

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