SAVE AN EX­TRA $1,000 THIS YEAR!

National Enquirer - - HOW TO... -

❱❱ 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.

❱❱ DE­CLUT­TER!

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!

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