o you always worry about affiliate with your bank.
money? Are you always
playing catch up with your INSURANCE
bills? Here are some tips on
saving money in case you are one Review your medical coverage and
of the millions of Americans who auto insurance policy.
are struggling with some type of
debt: Shop around for cheaper rates and
see if you can save money by
CREDIT CARDS getting higher deductibles.
Pay your credit card balances in SHOPPING
full each month.
Do major comparison shop and only
Do not use credit card for things buy when you have found the
like groceries or dining. If you lowest price possible for that
cannot afford to pay cash for it, item.
you can’t afford it, period.
Clip coupons.
Always review your credit card
monthly statement to make sure Take advantage of rebates or shop
charges you never make do not at store that offer instant
appear. rebates.
BANKING Go to discount stores for toys
and clothes.
Do business with a bank that does
not charge monthly services fee. Eliminate impulsive purchases by
“sleeping on it.” Especially when
Use only ATM machines that are buying clothes or any major
purchase.
FOOD AND BEVERAGES
Garage sales are also know to be
a good choice on certain items Buy you soft drinks by the 12
you need. pack instead of vending machines
or fast food drinks. That will
TELEPHONE save you a lot and you’ll also
avoid the bacteria.
Cancel call waiting, caller ID,
and three way calling from your Brew you own coffee instead of
telephone. going to a fancy coffee house.
Shop around for the best long Avoid eating out. Put the money
distance carrier. in a fund for saved money or
apply that to a bill.
Use phone cards to call
international or long distance. When eating out order water
instead of drinks. When you are
Use your cell phone only for free of debt you can celebrate.
emergencies.
ENTERTAINMENT
ELECTRICITY, GAS, WATER
Don’t subscribe to cable channels
Cut down your water use, you don’t watch. Stick to the
especially hot water. basic plan or cut out the cable
for a while.
Lower your thermostat by 1 or 2
degrees. Rent videos instead of going to
the theater or, if you must, go
Add ceiling fens. to the matinee instead of evening
showings. the library. It’s free.
Check out DVD or VHS movies from
About the Author:
G. L. Bycz is the founder and developer of http://www.debtproblemsolutions.com and http://www.consolidate-credit-card.net two online sources for tips and information on debt management, financial planning and credit card debt consolidation.
Read more articles by:
G.L. Bycz
Article Source: www.iSnare.com 
