Change Your Bank to Save Money

coinssmallerEverybody is trying to save money these days and it is not easy. One simple thing you can do is change you bank!

If you bank is charging you fees for everything you do there, including putting your money in; it is time to change your bank.

I use a credit union and have no fees for anything I do there. PLUS I also make 2% interest on the money I have in my checking account! How many people can say that any more?

Look around, don’t let you bank rob you blind. You can check online for the banks and credit unions in your area and check out what their fee schedule is. Save a couple dollars here and a couple dollars there can add up quickly.

 

Money Tip – Pay More Than Minimum on Credit Cards

credit cardsIf you really want to get out of debt, you are going to have to start paying more on your credit cards than the minimum amount!

Start with your highest interest rate card and pay whatever you can on that card until you get it paid off.  Yes, this is going to hurt but, if you really want to get out of debt this is what needs to be done.

Try to pay a little over the minimum on each of the other cards you have also.

Negotiate with your credit cards to see if you can get lower interest rates on them.  If you find one card that will lower your interest rate considerably, consider transferring over the debt from your other cards.  You may also be able to work in a no fee transfer arrangement with this card, ask, it can’t hurt.

It may take you years to get your credit cards paid off, but, if you make a serious effort to payoff what you can afford, you will get to being free of debt once more.

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Reduce Wrinkles with Used Tea Bags

eye-openSave money by not paying for expensive wrinkle creams to get rid of those bags under your eyes.

Save your used green or herbal tea bags and put them in the refrigerator,  when they are cold,  lay one on both eyes and relax.   The extract  from the tea helps reduce the swelling under your eyes so you look healthier, which  makes you look younger.

Love to hear about your tips or tricks for reducing wrinkles.

Money Tip – Don’t Shop When Hungry!

ShoppingYou have heard it before, but, if you really are serious about saving some money this year, this is something you absolutely have to do.  When you go to the store hungry you are more likely to make impulse buys and get off track of what you really went to the store for.

Also, always make a list of what you need at the store and do not buy anything that is not on the list unless it is an absolute must have.  If something is not on the list make a trip up and down a few isles evaluating if you really need it.  If after several isles and some serious thought about it, you still need the item, then by all means get it.

Saving money takes some willpower, so does shopping when you are hungry, so, avoid the need for willpower when shopping and eat before you go.