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Rising gasoline prices and credit debt are two of the most popular news stories in America. Wouldn’t it be nice to save some money instead of constantly spending it? Well, you can, but there are things in your life that may need some changes and adjustments in order to do so. The more money you save, the more fun you can have, right?
1.) Pay your credit card automatically on the due date. Consider signing up for an online bill payment system. You’ll never pay interest this way and save more money. If for some reason you are charged a fee, you should call the bank and have it removed because some people will just pay the fee no questions asked; this is where they make a lot of money.
2.) Only use your credit card when you’re ready to pay for something in cash, otherwise you’ll end up in debt if it’s not paid. This costs you even more money due to the additional damage that results from the lower credit score.
3.) If there is a surcharge on your credit card purchase, please pay cash only. Fees add up over time and can be easily avoided.
4.) Take advantage of the frequent flyer miles you earn with your credit cards. You earned them, they’re free and they save you money!
5.) If you can walk or bike somewhere, you should. Not only is it good for your health, but gasoline is too expensive.
6.) Bring lunch to work and eat leftovers whenever possible. Instead of buying a coffee from Dunkin Donuts or Starbucks, buy a personalized mug and bring yours to work every day. Eating out is expensive and should be done in moderation to save money.
7.) Use an online movie rental service (like Blockbuster or Netflix) instead of going to the movies. Not only does this save money on gas, ticket prices, and concession items, but you also get more quality time with your loved ones. In the cinema it is public, while at home you can socialize and spend time together. It is a win-win situation.
8.) Pay more than the minimum on your credit cards, car loans, mortgages [http://www.creditlawgroup.com], or any other bill. This will avoid high interest rates that eat up your money and end up costing you up to twice the original amount!
9.) Always use coupons and memberships for grocery stores, they may seem like they don’t help but they can end up saving you hundreds of dollars per grocery bill, don’t overlook them.
10.) Set short-term and long-term savings goals, and break them down into achievable goals to stay motivated. Also, set general long-term and short-term goals for your life, and always remember to follow them!