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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 3 Users Say Thank You to Krampus For This Useful Post:

    gracemarie (06-09-2016), Mary_Jo3 (02-18-2017), paulami (05-23-2016)

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  4. #2

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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.
    Trader Feedback.

    I think my train of thought may have derailed.

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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.
    Trader Feedback.

    I think my train of thought may have derailed.

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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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