Okay, nose back to the grindstone, with the whole
push to the end of the semester and all of that Spring Break is over kind of
stuff. J
Since my budget like many others in this world
seems to get tighter with each passing day and Yahoo had a bunch of articles on
saving money without resorting to the typical clipping of coupons I thought
that would make a great blog post for this week.
In the first article I found (the one that started
this whole blog post idea) it goes over 4 Discounts You’re Earning But NotUsing. That title made me stop & look, not surprisingly I think I qualify
for a couple, and am thinking of making a change or two to take advantage of at
least one of the others. The article discusses checking account rewards, and
how yes they’re hard to find at your brick and mortar banks, but if you choose
internet banking you can cash in. I’m going to look into this since I need to
open a new account to accommodate some upcoming changes in my life anyway. The
second thing is club membership perks, I am a member of Sam’s Club, so am going
to look and see what other ways I can use my membership to save money, other
than the obvious. Social media promotions are the third thing, I’m on Facebook
far more often than I should be, so I’m going to start using my presence there
to save a few dollars every now and then. The last one is credit card reward
malls, I probably won’t be taking advantage of this one due to the fact that I
don’t have and don’t plan to get any credit cards, but it might be worth it for
those who do have them.
The second article I found went over 7 Ways You’reWasting Money Without Realizing It. I’ll hit a few of the high points. Some big
ones I noticed were ignoring your credit score, this hurts you anytime you need to borrow money and can hurt you in
your job hunt too since most companies will check a credit score before they
offer you a job. Failing to get lower rates follows that one, if you take care
of your credit you can refinance loans to take advantage of lower rates when
they are available. There have been times in my life I wish I’d been able to do
so. Overpaying for car insurance was made obvious to me recently, when I bought
my little Prizm I shopped around and figured out I’d been paying far too much
for my auto insurance. Those are the ones that stood out to me, you’re more
than welcome to check all seven out and see if the others will help you save
some money.
The third article fits in too in that it gives
you 9 Things You Should Always Buy WithYour Credit Card. It’s food for thought, I might put it in my mental maybe I
need a card again someday file and consider it. It points out perks on
appliances and electronics you can utilize with a card, also cell phone
replacement perks if you pay your bill with your card and that if you use your
credit card to purchase things you’re going to write off on your taxes your
bill can be your receipt and you don’t have to keep track of as much paper for
tax time. All pretty good ideas, plus a few more.
So those are some things I’ve learned about saving
money tonight. Hope they help you too!
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