Money Talks News | Page 1307 | Get rich one day at a time

Way to Save #7: Shop Early

Don’t wait till the last minute to shop. Obviously, less time gives you less flexibility. The seasons, the start of school, birthdays, Christmas: nearly everything we shop for is pretty darn predictable, so buy things “out of season” when they’re on sale.

Way to Save #6: Stop Buying Extended Warranties

Don’t buy extended warrantees. Eighty percent are never used, and they’re a major profit item for the vendor. That’s why they push you so hard to buy them!

Way to Save #5: Cash Is King

Cash is king. Again, if you’re buying something expensive, ask for a discount for using cash. Did you know that when you use a credit card, the merchant has to pay two to four percent to the bank? Therefore, when you pay cash (or write a check) you’re saving them that money. Ask for it!

Way to Save #4: Be A Bargainer

Be a bargainer. When you’re buying something expensive, or buying a service, always bargain on price. It never hurts to ask, and if you’re buying something big, like a TV, a refrigerator or a computer, you might save yourself 10 to 20%.

Way to Save #3: Get Your Family On Board

Make sure everybody’s on the bus. Changing your spending habits is hard to do if everyone else in your life isn’t reading from the same page. Make sure everyone in the family is committed to the trip before you leave the curb.

Way to Save #2: Make a Spending Plan

Make a simple spending plan. You wouldn’t think of setting off on a long trip without a map. A spending plan is simply a map to help guide you to where you’re going financially. It allows you to set goals and evaluate your progress. There’s no successful company that doesn’t plan their cash outlays. Why … Continued

Facing Foreclosure? Turn The Tables On Your Bank

With more and more homeowners falling behind on their mortgages, many are seeking help in unconventional ways.

Way to Save #1: Carry a Memo Pad

Pay attention to where your money is going. Carry a little memo pad around and keep track of everything you spend. Like magic, the simple act of writing stuff down will often keep you from spending money. It also helps you to look at where your money is going and allows you to make informed … Continued

Are Credit Card Protection Plans Worth It?

Protection plans will make your payments if you loose your job, but are they worth it?

Lower Your Cable Bill In 5 Minutes

Here’s one that we’ve tried, and it works. If you’ve got cable, look around on the Internet for a deal offered by a satellite TV provider. If you’ve got satellite, do the same thing for a cable provider. Then, call your company and tell them you just found a great deal with someone else and … Continued

Saving Money On Pet Expenses

We like our pets. In fact, it’s been estimated that Americans spend $41 billion a year on them, so it makes sense that many are looking for creative ways to cut down on their pet bills. Fortunately, it’s mostly common sense. Prioritize your pets needs; food is more important than toys. Besides, I know my … Continued

New Credit Card Law May Be Costly

It’s safe to say that the credit card bill of rights represents a victory of consumers over banks. But the battle’s not over yet. Three ways the new law could cost you.

5 Great Free Software Programs

If you’re reading this post, then you’re using a computer. But a computer is nothing but a box without software. Fortunately, that software doesn’t have to be expensive. Here are our 5 favorite free software programs…

5 Easy Home Repairs That Will Save You Money

So you’ve decided you want to save a little money, but don’t feel like leaving your house… simple! There are 5 easy home repairs you can do today that will definitely save you money. Clean/Replace Your Air Filters – According to Angie’s List, almost 60% of all service calls are because of dirty air filters. … Continued

Latest Posts