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Managing Money Info
-Financial
Strategies
Dealing with:
-Financial Emergencies
-Money
Issues Children & Credit:
-Allowances
-Teaching
Kids Credit Saving Tips:
-Saving Money
-Savings/Investing Calculator
-Trimming Expenditures
-Cut Grocery Store Costs
-Avoid
Wasting
Budgeting:
-Why
You Should Budget
-Developing a
Plan
-Mistakes to Avoid
-Money
Spending Challenge
General:
-Checking Accounts Money
-Credit Help
-Taxes
-Checking
Accounts
Mortgages
Auto Loans
Personal Loans
Credit Reports
Debt Consolidation
Credit Cards
-Home
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SAVING MONEY
Saving money is not easy.
Below we feature some tips that
will make it easier for you to
put some cash away. Some of the
advice is easier to do than
others. If you have any questions
or comments or you can offer
some additional money saving
advice, please
contact us.
- Always spend less than
what you earn. This may mean
that you have to change your
current lifestyle.
- Try an earn more money by
getting a second job or by
asking for a raise.
-
Develop a budget and stick to
the budget.
- Never spend money just because
you have it.
- Try and avoid using a credit
card. If you do use
credit
cards, learn how to
use a credit
card wisely.
- If you have excessive
credit
card debt, consider enrolling in
our
debt consolidation program.
- Do you have a lot of
student
loans? If you do, consider
consolidating your student
loans.
- Don't buy on impulse.
- Don't buy items you do not
need.
- Homeowners should consider
refinancing their mortgage at a
lower rate. Learn if
refinancing is the best option
for you. We also suggest you
use the
refinancing calculator to
see how much you can actually
save when you refinance.
-
Refinance your car loan at a
lower interest rate.
- Shop around for
cheaper auto
insurance rates and/or
homeowner's
insurance.
- Shop for a less expensive
local and long distance phone
bill.
- Utilize coupons will help you
save while grocery
shopping.
- Wait for sales or for prices
to go down. This holds true
especially for electronics.
- Don't buy things you don't
need just because they are on
sale.
- Don't buy fancy brand names.
Try going with inexpensive,
lesser known products.
- When in the market for a new
car, buy used, not new. Learn
more about the
money saving benefits of buying
a used vehicle.
- Avoid going out for dinners or
lunches. Also, try buying gift
certificates from places you
like to eat at. Restaurants will often
offer discounts on meal prices
when gift certificates are used.
- Rent movies instead of going
to the theatre.
- When possible, invest money.
Money that is invested will earn
money. This includes
contributing the maximum allowed
to your 401K or IRA, every year!
Learn more about
controlling your finances for
investing.
- Consider going back to school
so that you can further your
career with a better, higher
paying job.
- Stay busy so that you avoid
spending. A good idea would be
to find an inexpensive hobby.
Better yet, find a hobby that
you can earn money while doing!
- Stop indulging in drinking
and/or smoking.
- If you are overweight,
consider going on a diet. Not
only will you save money on
food, but your long term
healthcare costs should also
decline.
- Learn how to manage your
finances by reading books,
financial magazines and/or
consult with a financial
advisor.
- Never compete with your
neighbors or friends.
-
Save money on gas by riding a
bike to work instead of driving.
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Auto Saving Guide!:
-
Saving When Buying a Car
-
How to Get Cheap Auto Insurance
Rates
-
Making Your Gas Last
-
Money Saving Commuter Tips
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