Latest Posts
4 Great Places for Free Job Training
Unemployment is now the highest since June, 1983. Now, more than ever, Americans need as many tools as possible to land a new job. If you’re out of work, you’re certainly not alone. But now might be a good time to enhance your future career choices by getting job training. And depending on your situation, you might find it free.
Way to Save #75: Use Direct Deposit
Go direct! Direct deposit of money you receive and direct payment of bills you owe can save you postage, gas and hassle. And it could increase your interest earnings to boot. See what your bank offers and take advantage of it.
Way to Save #74: Ask And You Might Receive
Years ago, Money Magazine called 10 credit card lenders and merely asked them to lower their interest rates. Three out of 10 did it! This could work in all areas of banking. If your bank is charging you high interest or high fees, try saying something like, “Gee, I’ve banked here for years, but I … Continued
Can You Repair Your Own Credit?
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
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
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
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
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 … Continued
Way to Save #69: Use Only Your Bank's ATM
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
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
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
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 … Continued
How to Find a Vet
Finding the best vet for the right price isn’t easy, but it is important.
Spend Less, Save More, Be Happy!
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
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?
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
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 … Continued
Getting Out of a Car Lease
How to get out of a car lease… it’s not as difficult as you might think.
The Mortgage That Pays You
A reverse mortgage is a mortgage that pays you, instead of the other way around.
Way to Save #64: Keep Health Insurers Honest
If you’re like most people, you pay no attention to your health coverage. So when your insurer messes up, which they frequently do, you don’t know it. For example, many policies have a deductible of $200 per person, $400 per family. But are you keeping track of when you reach those magic numbers? Don’t assume … Continued
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