Everybody wants to save some money nowadays. Everybody has so many household bills to pay so it is a good time to start thinking about how much more you can save. Have you checked everything?
Here are 3 important money saving tips that will help you to cut your costs.
Tip 1 Pick up the phone
Yeah, you read it right. Sometimes you just have to pick up your phone and talk to your cable provider and get rid of the channels that you don’t really watch. You can always negotiate for a better price. They may say no to you but at least you have tried it. When it comes to your car or home insurance, you can shop around a bit. There is no harm about that. You can negotiate a lower rate with them too. Some insurance provider won’t give you the lower rate only if you ask for it. When I get my car yearly car insurance cost I call my car insurance provider or I visit their local office. It is definitely worth to make a bit effort and talk to them. Sometimes you just have to ask for something. Don’t be shy or embarrassed it is about your heard earned money.
Tip 2 Collect free coupons
It is really smart to collect grocery coupons, free baby coupons, diaper coupons or even baby formula coupons when you are a mom. Use your coupons with pride because there is nothing wrong with them. Believe me, not only the so called “poor moms” use them. The smart and budget-conscious moms collect them. When you open the papers you always find great coupons in them; experts say that there is an average of $350 in savings in the papers every week. How about that? Doesn’t that sound totally awesome?
You can find great coupons online too or free samples of brand new products that you would like to try. There are all kinds of coupons:
– Coupons that can be sent to your mobile.
– You can print them off from a website, from the Internet
– Coupons that can be loaded onto your grocery club card
– Free coupons that can be mailed to you
– Booklets that contains great free or money saving coupons
It is a good idea to store them in a handy binder because they are more organized in this way. You can sort them by type or even by expiry date.
Tip 3 Credit card troubles
Don’t have too many credit cards. First it is really hard to keep a track of your spending. It is actually better to have maximum 2 national cards (and no more); they carry lower interest rates than store cards. Try not to miss payment due dates because if you do you will end up not only paying a very high late fee – which can be $39- but your interest rate will jump too.
Avoid cash advances because they are really bad for you. They always come with sky-high interest rates and service fees.
Try to consider these tips and you can save hundreds of dollars. I am sure you have some ideas on how to spend that money. How about a long wanted holiday with your family? Just think about it.