Credit Cards: This is the number one point of savings. If you want to save money forget the credit cards. A recent study pointed to an average of 5 applications for credit per family. First the home, after the car, following the journey of our dreams, the laptop that both desirable and finally all other products. In the end, everything was bought on credit. Imaginary money that we don’t have. Therefore, we should use it only in one or another point. The credit cards have rates of 20, 30, 40% and more. Did you know that you can take over 5years to pay a debt of 1000dollars with a monthly minimum of 25dollars? If you did not start by this point: get rid of all credit cards that you have!
Shopping: Who has heard of ebay or amazon? Many! Anyone who has really done shopping? Very few! If is the case then don’t waste no more time and give a jump to these sites, you will see that you become a fan at first. There is everything for everyone, the cheapest prices: new, used or old. Just choose what you want and at what price. And then have fun looking. It makes excellent business at unbeatable prices. But if you continue to pay and do not want to save, then these sites are not for you.
Insurance: How many times had changed insurer? Venture to say that one or no time. This is another study done. We do insurance when we buy home and car. We signed a contract. Assets to transfer. And never again talk about it. I strongly recommend to take up all your insurance and analyze the market. Check first if they are all the same insurer and send a mail to several companies asking for a budget for all your insurance, in most situations can save many dollars. If not, call your insurance company and try to find out new campaigns or even threaten to change insurer. Maybe you ends up having a surprise.
Communications: Whenever I think of saving confess that this is the way that offers more options but for this or that reason tend to despise. On average the Americans spend 35dollars on mobile. Per year are only 420dollars in calls / messages. And just now started. Then comes the Internet and fixed telephone in most cases. That is, in gross numbers, a good 1200dollars. This is the amount you pay for today’s walk communicated. I wonder: is it not possible to spend far less? Of course it is! Who has the habit to have 2 phones, do the same as for credit cards: see themselves free of one. Limit to the loads imposed and abuse of free messages, the messenger, skype and facebook (among others). I am still of the time, and it was not long ago, we used only fixed telephone and the world revolved.
Entertainment: This is perhaps the topic is capable of achieving a major savings. Why do you need 50 channels? Ever thought to share internet with your neighbor? Why not invite a group of friends to watch a movie at home? These are just some suggestions. Reduce the package of channels, including internet, analyzing the competition or even sell it free of astronomical speeds or channels you never see is just some of the possible paths.
Transport: The best way to save money is to leave the car at home. With the chaotic traffic of today the only reason not to leave car at home is lazy. Leave your car near subway station or bus. Try walking over cycling, bike or have a group of friends going through the same journey combining use only 1 car.
Sports: You get the summer and continues with those pounds yout tought to loose during winter? No time? The gyms are expensive? Try leaving the car at home. Go to the station by bike or you can walk. Invite a friend to a few races before dinner or a couple of football matches during the week. Already come in the gym? In that case look for a card that fits more to use it gives. Look for options such as 2, 3 times per week and time OFF-PEAK.
