"83 Little Known Secrets To Saving Money |
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Welcome To Day 5
41.
Refinance
With
interest rates being so low, consider refinancing your home and/or
securing a debt consolidation loan.
You might have to come up with a new closing cost but once paid,
you will have lower payments, better terms, and save thousands of
dollars over the years. 42.
Stock Up
As
you shop, if you notice that a brand you and your family use on a
consistent basis is on sale for a great bargain, stock up.
As an example, if you use a particular type of shampoo costing
$4.50 per bottle and you find it on sale for $2.50, go ahead and buy two
bottles. You should only do
this on items you know will be used. 43.
Shopping
for Clothes
There
are many secrets relating to saving money on clothing.
As a perfect example, rather than buy a matched suit for $450,
buy the pieces separate. This
will save you about $100 to $150. Additionally,
buy several pieces that can be mixed and matched, giving you six outfits
out of four pieces. 44.
Carpool
In
some larger cities, carpooling is required in order to reduce smog. However, regardless of where you live, carpooling can also be
a big money saver. Check
with co-workers and determine who lives close enough to share a ride. By the end of the year, you will have saved several hundreds
of dollars. 45.
Trendy
Fashion
Most
people love to dress in the most up-to-date fashion but for those
fashions, you pay big bucks. Consider
dressing with basics and then emphasis them with trendy accessories. This will save you money on the clothing that is less
expensive while allowing you to dress it up. 46.
Free
Entertainment
If
you are tired of being bored, you will be pleased to learn that there
are hundreds of things to do that do not cost a dime.
For example, if you want a little Friday or Saturday night
excitement, sign up at your local police department for a
“ride-a-long” where you can go on duty with an officer as they
respond to real calls. Community
colleges are always offering free exercise classes, or coffee shops have
poetry readings. Entertainment
and having fun does not have to cost anything.
Some cities have special areas that are popular on the weekends
where you can find free concerts. Check
your local paper and college to get a list for your area. 47.
Telephone
/ Mobile Phone
First,
shop around for the best deals. Second,
stay away from all the fun bells and whistles and just stick with the
basic plan. Some people
have turned to shutting down their home telephone and are now using
their mobile phones in place. Since
most wireless carriers offer free long-distance, call waiting, call
forwarding, caller ID, voicemail, and more, it can do the same as a
regular phone but for less. Why have two phones when you can have just one? 48.
Home
Remedies
Before
rushing off to see the doctor for a sore throat, try some home remedies
or over the counter drugs instead.
For a sore throat, butter mixed with ginger and sugar makes a
soothing healing pate. A
hot toddy before bed is great for a cold.
Simply ask your family for their home remedies and try it.
Sometimes a simple over the counter medication or herb will do
the trick without costing you an expensive doctor’s office visit. 49.
Pay on Time
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