SAVE AN EXTRA $1,000 THIS YEAR!
❱❱ HAVE A BUDGET BUFFER
Make sure your expense budget
includes enough cash for emergencies, so you don’t find yourself dipping into savings to deal with unforeseen expenses!
❱❱ CONSOLIDATE YOUR CREDIT CARD DEBT
Find out which of your cards carries the lowest interest rate.
Transfer the balance of the other cards onto it and focus on paying it down. This will save you hundreds of dollars a year!
❱❱ EARN MONEY WITH NEW BANK ACCOUNTS
Check your bank’s interest rate. If it isn’t the best, look for bank promotions elsewhere! Many banks will offer to pay YOU up to $350 for simply
opening an account.
Collect old clothes, CDs, DVDs, cell phones and other stuff you don’t need or use anymore — and sell it! The internet offers multiple easy
options and markets where you can sell your cast-offs.
❱❱ SEPARATE SAVINGS FROM SPENDING MONEY!
Give your money a “job” — as either “savings” or “spending money” — and assign them separate accounts. As soon as you get paid, put your earnings into the proper account.
❱❱ RENEGOTIATE YOUR CABLE AND PHONE BILLS!
Competition in the cable and mobile phone industries has providers willing to bargain. If you think you’re paying too much for your service, ask for a better deal. If it’s not available, there are likely better options elsewhere!