Archive for September, 2009
Can You Repair Your Own Credit?
Sep 30, 2009 - This viewer says only a professional can properly repair a consumer's credit. What do you think I said?
Way to Save #73: Be Aware of Fee Changes
Sep 30, 2009 - Did you know that banks most often mail notices of fee increases between Thanksgiving and Christmas? That’s because they know that you’re least likely to read it during that busy time. Don’t let them fool you. Read fee notices.
Way to Save #72: Find Fee Free Checking
Sep 29, 2009 - Don’t pay fees to have a checking account. There are now online banks that will charge you nothing for your checking account, and even pay interest on it. Shop around, and you might even find the same with old-fashioned bricks-and-mortar banks. Eliminating the fee on your checking account could easily save you $100 a year.
Way to Save #71: Check Your Checks
Sep 28, 2009 - There’s no law that says you have to buy checks and deposit slips from your bank. In fact, there are companies that will sell you checks you can use with your bank for 50% less.
Way to Save #70: Don't Use Passbook Savings Accounts
Sep 27, 2009 - These accounts are old-fashioned and pay very little interest. You’re much better off with your bank’s money market account. You’ll earn more interest, your money will be just as safe, and you’ll still be able to get to it at any time. For a little more interest with just a tiny bit more risk, consider [...]
Way to Save #69: Use Only Your Bank's ATM
Sep 26, 2009 - Use only your bank’s ATM. Using a foreign bank racks up not only their ATM fee, but any fee your bank imposes, too. Avoid fees to get to your own money!
Shopping Your Rates is Critical: Here’s How
Sep 25, 2009 - Most people spend more time shopping for groceries than shopping for a better rate when they save or borrow. While saving on groceries is always good, earning more when you save and paying less when you borrow can change your life.
Way to Save #68: Don't Use A Bank
Sep 25, 2009 - Instead, use a credit union. Credit unions generally offer lower rates on loans, higher rates on savings, and lower fees than commercial banks. To find one that will accept you as a member, ask your employer or open the yellow pages and make a few calls.
Way to Save #67: Shop Your Banks
Sep 24, 2009 - As banks consolidate, competition is decreasing and fees are increasing. Think about the services you need first, then call around and see who can deliver them for the least money. Do you do a lot of ATM transactions? Then you need a bank with lots of branches and ATM machines to avoid paying “foreign” ATM [...]
How to Find a Vet
Sep 24, 2009 - Finding the best vet for the right price isn't easy, but it is important.
Spend Less, Save More, Be Happy!
Sep 23, 2009 - Take a minute to meet me and see how what I’m doing with my life can make a difference in yours!
Way to Save #66: Check Out HMOs
Sep 23, 2009 - HMOs are normally the cheapest way to get health coverage. In the world of health, choosing your own doctors is an expensive alternative, so if you’re willing to let your insurance company make that choice, an HMO will be cheaper.
Debit or Credit?
Sep 23, 2009 - The question used to be “paper or plastic?". Now the question is "debit or credit?".
Way to Save #65: Don’t Let Your Doctor Cost You
Sep 22, 2009 - Don’t let your doctor cost you money. If your health insurance provider agrees to pay 80% of covered procedures, that generally means they’ll pay 80% of what they think is reasonable for that procedure, not 80% of whatever it costs. So find out what your insurance company is willing to pay and if your doctor can [...]
Getting Out of a Car Lease
Sep 22, 2009 - How to get out of a car lease... it's not as difficult as you might think.
