Save money by calling your credit card companies and asking them to lower your rates.
It is a little-known secret that credit card companies don’t want you to know. If you call them and ask them to lower your rates, they might just do it. Of course, it helps if you are a good customer with a long history with the creditor and have good credit. It also helps to carry a moderate balance and make considerably more than the minimum payment each month. If the credit card company sees you as a low risk borrower and knows they receive monthly interest payments from you (i.e. you carry a moderate balance), they will want to keep you as a customer. More »
In today’s world, there is no such thing as job security. That is why you need to diversify your sources of income. Even if you own your own business, it is important to generate income from more than one source.
Just think about it. There have been nearly a million US layoffs in 2009 alone. Many of these people received no severance pay, no skills training, or anything else that would ease the transition into a new career. To put it bluntly, they are screwed. Had they invested in themselves and worked hard to create multiple income streams, the pain of a layoff would not have been as acute. More »
Save money by signing up for a Netflix membership.
If you’ve been to the movies lately, you’ve noticed that it costs a small fortune for two tickets, two popcorns and two sodas. With movie ticket prices surpassing ten dollars a piece in many locations and snack prices approaching fifteen dollars per person, a night for two at the movies can easily cost you fifty dollars. Add in costs like transportation, parking and a babysitter for the kids and you are looking at a one night expenditure that rivals the weekly grocery bill. More »
We’ve all heard the sales pitch before: “Would you like to save 20% on today’s purchase by signing up for an XYZ charge card?” The cashier delivers the pitch with a smile. For those of us who say, “No,” the cashier usually looks around and whispers to us. He’s says something along the lines of, “You should just sign up for the card to get the discount and then just pay it and cancel the card before you have to pay interest.” He acts like he’s helping you save money by telling you a secret he shouldn’t be telling you but this is terrible advice that should never be taken.
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