Do you worry about money? Are you usually playing catch up with your bills? These are some tips on saving money if you are one of the many millions of American citizens who are battling with some form of debt:
CREDIT CARDS
Pay your credit card balances in full each month.
Don't use credit card for items like groceries or dining. If you cannot afford to pay cash for it, you can't afford it, period.
Always review your credit card monthly statement to make sure charges you never make don't appear.
BANKING
Do business with a bank that doesn't charge monthly service fees.
Use only ATM machines that are affiliate with your bank.
INSURANCE
Review your medical coverage and auto insurance policy.
Check prices for cheaper rates and see if you can save money by getting higher deductibles.
SHOPPING
Do major comparison shop and only buy when you have found the smallest price possible for that item.
Clip coupons and combine them with concurrent sales to save even more.
Use free samples to know what are the best products for you and your family.
Take advantage of discounts or buy at store that offer instant rebates.
Go to cut price stores for toys and clothes.
Eliminate rash purchases by "sleeping on it." Particularly when buying garments or any significant purchase.
Garage sales are also known to be a good choice on certain items you want.
TELEPHONE
Cancel call waiting, caller ID, and 3 way calling from your telephone.
Check prices for the best long distance carrier.
Use phone cards to call global or long distance.
Use your cellphone just for emergencies.
ELECTRICITY, GAS, WATER
Cut down your water use, particularly hot water.
Lower your thermostat by 1 or 2 degrees.
Add ceiling fens.
ENTERTAINMENT
Don't subscribe to cable channels you don't watch. Stick to the basic plan or cut out the cable for a while.
Rent videos rather than going to the theater or, if you must, go to the matinee rather than evening showings.
Check out DVD or VHS films from the library. It is free.
CREDIT CARDS
Pay your credit card balances in full each month.
Don't use credit card for items like groceries or dining. If you cannot afford to pay cash for it, you can't afford it, period.
Always review your credit card monthly statement to make sure charges you never make don't appear.
BANKING
Do business with a bank that doesn't charge monthly service fees.
Use only ATM machines that are affiliate with your bank.
INSURANCE
Review your medical coverage and auto insurance policy.
Check prices for cheaper rates and see if you can save money by getting higher deductibles.
SHOPPING
Do major comparison shop and only buy when you have found the smallest price possible for that item.
Clip coupons and combine them with concurrent sales to save even more.
Use free samples to know what are the best products for you and your family.
Take advantage of discounts or buy at store that offer instant rebates.
Go to cut price stores for toys and clothes.
Eliminate rash purchases by "sleeping on it." Particularly when buying garments or any significant purchase.
Garage sales are also known to be a good choice on certain items you want.
TELEPHONE
Cancel call waiting, caller ID, and 3 way calling from your telephone.
Check prices for the best long distance carrier.
Use phone cards to call global or long distance.
Use your cellphone just for emergencies.
ELECTRICITY, GAS, WATER
Cut down your water use, particularly hot water.
Lower your thermostat by 1 or 2 degrees.
Add ceiling fens.
ENTERTAINMENT
Don't subscribe to cable channels you don't watch. Stick to the basic plan or cut out the cable for a while.
Rent videos rather than going to the theater or, if you must, go to the matinee rather than evening showings.
Check out DVD or VHS films from the library. It is free.
About the Author:
Lamo Damo is passionate about helping others save money around the house in many different aspect including groceries, freebies, coupons and finding great free stuff. Make sure you check out freebiesblogger for all your money saving needs.
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