•      Money Tips... 
       

       Ways You Can Save Money:

    • Spend less money than you earn.
    • Find ways to make more money. 
    • Make more money by filling out paid online surveys.
    • Adjust your lifestyle to accommodate the first rule.
    • Create a financial budget to help you save.
    • Do not use credit cards.
    • If you do use credit cards, pay them down in full each month.
    • If you have a lot of credit card debt at high rates, look into consolidating your debt.  
    • Lower your student loan payments.
    • Forego spending money whenever possible.
    • Cook more and eat out less - go to www.recipestogo.com to get quick ideas on cooking.
    • Stop purchasing frivolous, impulse items.
    • Forego purchasing non-essential items.
    • Refinance your mortgage or debt at a lower rate.
    • Refinance your car loan at a lower interest rate.
    • Find cheaper insurance rates.
    • Lower your phone bill.
    • If you haven't heard of it, the Entertainment Book can save you hundreds of dollars at your local hotels, restaurants and attractions. 
    • Join an online discount shopping club.
    • Wait for things to go on sale before buying them.
    • Don't buy anything just because it is on sale.
    • Buy generic or non-name brand products and merchandise.
    • Wait for prices to fall before buying (applies especially to electronics items - like DVD players).
    • Reward yourself for saving money.  Enjoy watching your debt shrink and your investments grow.
    • Drive used cars.
    • Reduce your auto insurance.
    • Buy discount magazines .
    • Do more activities at home.
    • Invest the money you save so that it earns money too.
    • Create a plan to save $100 per month (or as much as you can swing). 
    • Try never to miss the monthly savings payment and try to find ways to increase it to $150 per month.

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