Whether the current recession drags on for another few years or yields to new boom times in a few days, you should take a good look at how you spend money and resolve to practice good financial discipline no matter what the overall economy is doing. Remember that not spending a dollar is better for you than earning another dollar, because you must pay taxes on the income.
Look for expenses you can trim without decreasing your quality of life. With a little creativity, you will be surprised at how much you can save. Examine closely all your credit and banking expenses. If you have credit card balances that you pay on every month, pay ten dollars extra each month on the one with the highest interest rate until it is paid off, then move down the list to the next highest rate, and so on. If you are stuck with credit card balances charging you 20 percent interest, every ten dollars you reduce your balance saves you two dollars in interest in the next twelve months, which is like giving yourself an extra two and a half to three dollars per year in before-tax income, depending on your tax bracket.
If you have a checking account that requires a minimum balance in order to avoid monthly fees, you can either close the account and find a free account at another bank, or force yourself to maintain the minimum balance and consider it an emergency cash cushion. If you have to keep two thousand dollars in your account to avoid a five dollar monthly fee, that is like earning three percent tax-free interest on your money every year, which beats almost any savings account rate your bank will offer these days.
Use a bank that allows free internet access to your account, including the ability to pay your bills on-line. By paying ten bills every month on-line, you can save over fifty two dollars every year in postage alone.
When you reach for the last book of checks in your check box, buy checks online instead of ordering them through your bank. You save money when you purchase online, and you can also choose check designs that reflect your interests, like frog design checks.
These are only a few things that will enable you to save money without making big lifestyle changes. There are other ways to save money, like using coupons at the store, renting DVD’s instead of going to the movies, insulating your attic to save on energy bills, walking to the store instead of driving, etc. None of these things may seem like much of a savings by themselves, but keep a notebook detailing all of your small savings over the course of a year and you will see that it really adds up.
Tags: buy checks online, checks with frogs, frog checks, frog design checks, reorder checks online
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