1. #1

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    5 ways to Save Money

    1. Check out your phone service. Do you have a homeline and a cell phone? Are both really necessary? There are several good cell phone provider's out there and rates are starting to be quite competitive. Some prepay cell phone plans are even cheaper than a monthly service.

    2. If you have a high speed internet connection, consider loosing your home phone long distance carrier and use a program like Skype to talk for free. Or consider Magic Jack or Uma. Very very low cost phone service.

    3. Take a look at your car insurance coverage. When was the last time you compared insurance prices? I'd been using one of the "Big" companies for a few years, having found that at the time they had some of the best rates around. Recently I decided to see if I could find a better rate. I was ecstatic to find that I could save over $300 a year with a new company! Shop around. You never know what is out there if you don't look for it.

    4. Pay your insurance annually. You can save a few more bucks a year this way. My insurance company charges a $5.00 fee every month if paying by the month.

    5. Are you paying your bank to be their customer? There are too many banking services that offer free checking to be paying your bank for the "privilege" of doing business with them. Lots of banks will require direct deposit or a minimum number of debit card uses per month for free checking but that's not a big price to pay for free(ish).

  2. The Following 4 Users Say Thank You to Krampus For This Useful Post:

    DAVESBABYDOLL (11-07-2018), gracemarie (06-09-2016), Mary_Jo3 (02-18-2017), paulami (05-23-2016)

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    Great tips!

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    Save on late fees by having the credit card company take the minimum due automatically out of your account.
    Keep your hands to yourself, leave other people's things alone, and be kind to one another.

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    Quote Originally Posted by Mary_Jo3 View Post
    Save on late fees by having the credit card company take the minimum due automatically out of your account.
    I don't understand this. How can you not pay the minimum due??

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    By forgetting to pay it or pay it late. I've always had mine set up to take the min due on the date it's due then there is no late fee. The thing is you have to have the min in your bank account or it becomes an overdraft.
    Keep your hands to yourself, leave other people's things alone, and be kind to one another.

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    3lilpigs (10-06-2018)

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    Quote Originally Posted by Mary_Jo3 View Post
    By forgetting to pay it or pay it late. I've always had mine set up to take the min due on the date it's due then there is no late fee. The thing is you have to have the min in your bank account or it becomes an overdraft.
    LOL....I read your first comment wrong. I thought you meant take it OFF your account......not take it out of your checking account.

    Sometimes I wonder about myself!

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    I just called AT&T Cell Service and saved $5 a month by telling them I was considering Cricket. You can check by calling AT&T and asking for Loyalty Retention, we've been with them since 1995, yes hubby had a bag phone and I had a brick, he took the bag phone because it was 3 watts and he needed the extra boost. Now there are towers about everywhere. Going to call Cable next. We dropped our land line and went with VOIP a year ago and it's great unless the power goes out then we have to hope we can get a cell signal. Living out in the country has it's draw backs, going to the second floor bedroom to make a cell call is one of them. LOL Thanks for the great ideas.
    Keep your hands to yourself, leave other people's things alone, and be kind to one another.

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    I joined the Schnucks Loyalty program, we purchase a lot of prescriptions and although it adds to the number of points earned you cannot use the points on prescriptions, I've saved $6 already on groceries.
    Keep your hands to yourself, leave other people's things alone, and be kind to one another.

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    Quote Originally Posted by Mary_Jo3 View Post
    I just called AT&T Cell Service and saved $5 a month by telling them I was considering Cricket. You can check by calling AT&T and asking for Loyalty Retention, we've been with them since 1995, yes hubby had a bag phone and I had a brick, he took the bag phone because it was 3 watts and he needed the extra boost. Now there are towers about everywhere. Going to call Cable next. We dropped our land line and went with VOIP a year ago and it's great unless the power goes out then we have to hope we can get a cell signal. Living out in the country has it's draw backs, going to the second floor bedroom to make a cell call is one of them. LOL Thanks for the great ideas.
    How much are you paying with ATT?? I left them a few years ago, and went to Consumer Cellular. Best decision I ever made! I pay $19 a month for unlimited talk. I don't text, but if I did, I think it's only another $4 a month. (They advertise starting at $25/month, but they give an AARP discount, which makes it $19.). Best part of it is..........NO CONTRACT!! I've been with them 4 yrs and never had any problem!

    I haven't had cable in over 15 yrs! lol. No desire to have it, or to watch any tv at all. I use an antenna which only gets 2 channels, but that's enough for me. Nothing worth watching anymore.
    Last edited by 3lilpigs; 10-27-2018 at 02:20 PM.

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    Sounds like you have a better deal then we do. But out here cell signals are tough. Our roofer had Verizon and could only get a signal if he was standing on the roof. We only get one bar on AT&T but we are in a bit of a low laying area. We can't go antenna on our TV we would only get one or 2 channels, we checked with the neighbors.
    Keep your hands to yourself, leave other people's things alone, and be kind to one another.

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