20 Money-Saving Secrets
Posted in Money Matters
Real Simple magazine has 20 tips that can save you as much as $3,000.00 per year.
The Leak: Paying bills by snail mail.
The Fix: The average household receive about 15 bills a month. With stamps now at 39 cents each, you spend about $70 a year just on postage — and don’t forget the late fees if your checks get lost in the mail.The Leak: Subscribing for cable TV, Internet access, and phone service from three different providers.
The Fix: Consider a package deal from your local cable or phone company. You can get digital phone service, which is provided by a broadband Internet connection, high-speed Internet, and digital channels for much less than you’d pay separately.The Leak: A cell-phone plan that doesn’t match your needs.
The Fix: Too many minutes and you’re wasting money. Too few and the overages can send your cell-phone bill into the stratosphere. On average, according to the consumer research firm J.D. Power & Associates, cell-phone subscribers use only 64 percent of the minutes they pay for.The Leak: Taking your time to redeem gift cards.
The Fix: Read the fine print on the back of the card: Some cards expire as quickly as six months after their purchase, while others charge $1 to $2.50 for dormancy, maintenance, or inactivity fees if they’re not used within 6 to 24 months. The fees are deducted from the card’s balance, so a $45 gift card could disappear in two years.The Leak: Letting the water run.
The Fix: Turn off the tap while you’re brushing your teeth or shaving — every minute the water flows wastes up to 2 1/2 gallons, according to the Environmental Protection Agency.
Money-Saving Secrets | Life Skills : RealSimple.com
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