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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


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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.

** 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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Managing Money Info: Financial Strategies | Financial Emergencies | Money Issues | Allowances
Teaching Kids Credit | Saving Money | Savings/Investing Calculator | Trimming Expenditures
Cut Grocery Store Costs | Avoid Wasting | Why You Should Budget | Developing a Plan
Mistakes to Avoid | Money Spending Challenge | Checking Accounts Money

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