- Combine your cable, internet and telephone service. Combining the three gives a lower cost as compared to separate bills. Plus, it offers the convenience of paying one bill.
- Avoid maximizing credit cards limit and as much as possible pay in full. The higher the amount consumed, the higher the interest payments there will be. And take advantage of 0% balance transfer credit card offers.
- Replace incandescent bulbs with compact fluorescent light (CFLs) bulbs. These bulbs use 75% less energy and last 10 times longer. It saves more energy and money.
- Drive your car longer. The buy new versus used debate often overlooks the most important factor–how long you own your car. Drive it as long as you safely can for substantial savings.
- Get healthy. Your health will directly impact the cost of life insurance and, in some cases, can reduce the cost of your health insurance.
- Organize and avoid late payments. Missing due dates will increase cost through penalties. If you do miss a payment, call your creditor and ask to have the penalty removed. They will usually accommodate the request, at least the first time.
- Buy online when it saves you money. They are lots of online stores that give discounts at certain products like discount cigars, cars, books and so on. The web sells anything and sometimes at substantial savings.
- Buy energy efficient appliances. More efficient appliances cost more, but you make up the extra cost and then some over the life of the product.
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