Banks and Credit Cards
1. Call your bank and ask them for the best program that will suit your banking needs. Most of the banks now have no fees if you maintain a certain amount.
2. Call your credit card company and ask for an interest rate reduction. Most of the time, they will give you a lower rate.
3. Negotiate with your credit card company about waiving or lowering your annual fee. Most of the time, they would accommodate you, but if not, at least you tried.
4. Pay your bills online. It’s completely free and convenient. Plus it will save you money from postage.
Home
1. Consider using fluorescent bulbs as this will save you up to 50% in lighting bills.
2. Be sure to turn-off the lights and other appliances when not in use to save money on electricity.
3. Replace your old appliances with energy efficient appliances. Look for the “Energy Star” label as you may be eligible to receive rebates, credits or sales tax exemptions just by buying qualified energy efficient appliances.
4. Have a yard sale to get rid of things you don’t need. As the popular saying goes: “Another man’s trash is another man’s treasure.”
5. Rule of thumb: Anything you haven’t used or worn for a year or so need to be given away.
6. Wash your hands thoroughly. Keeping your hands clean will prevent you from acquiring all kinds of bacteria and viruses. This will help save a lot on medical bills.
Catharine Allado- writes articles for www.ladolceliving.com, a comprehensive online service helping seniors and baby boomers find FREE and RELIABLE information on health, senior care and more.
Originally published in ezinearticles.com
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