Frugal Finance • Money Management

 

For many Americans, “flat broke” has become a permanent condition. Today, over half of all American families live paycheck to paycheck. Unemployment is rampant and those that do actually have jobs are finding that their wages are rising much more slowly than prices are. The financial condition of average American families continues to decline. NOW, more than ever you should be taking a proactive approach to your families finances, stop doing things the way you’ve always done them and think outside the box!

A good start is to watch the FREE webinar below. Click here to schedule a FREE strategy session with our Financial Expert. 


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Other money saving sources on finance, debt elimination and money management:

 

This program is your golden opportunity to ensure a more secure financial future for you and your family. Now you can earn gold bullion simply by spreading the word about gold. For details visit GoldMoneyNow.com


 Resources • eBooks


Here are some great eBook resources on how to save money on the topic regarding debt and money management. Check out more eBook resources listed here.

  

 

 

 

 

 


Frugal Money & Finance Tips

  • Refinance or reduce your mortgage payment.  It may save you a substantial amount. Take advantage of the low rates available.
  • Shop around for high yield interest rates on CD or Savings accounts.
  • Use a credit card rewards card for monthly expenses. Pay off the balance each month to avoid interest charges.  Depending on your expenses, you can usually redeem your points for a gift card or cash at the end of each month.
  • Keep a log of your daily expenses.  This can help you determine a realistic budget you can adhere to.
  • Pay bills online, it saves time and you save money on stamps too.
  • Earn money for college bills and student loans when you shop for groceries, shop online, fill your gas tank and more via Upromise.com.
  • For more frugal tips and ideas, click here.

 

 

 

  

Year-Round Money Savings Goals

Most people make resolutions at the beginning of each new year, but it’s smart to keep check of your finances all year long. If you are truly serious about “saving more money” this year, here are a few tips that can ensure that you are taking steps towards that goal.

  • Determine a realistic monthly budget. If you aren’t able to pay cash for everything, consider using one credit card that you pay off every month (to avoid interest fees). Ideally it should be a credit card that offers reward points, not only will you earn points for merchandise or cash, but you can “float” that month’s expenses until next month, giving you a month to pay off the entire amount.
  • Pay your bills online. This not only saves you time and the cost of stamps, but if you sign up for monthly payments on recurring monthly expenses, you will never be late and therefore won’t get hit with late fees. A bonus is that it’s paperless system which saves the environment in a small but significant way.
  • Are you getting the most out of your CD, savings or checking account? If not, shop around for better interest rates, it pays to look for an institution that offers more for your money. For rate comparison, try MoneyAisle.com.
  • Save money on your energy bill this year. Certain states have deregulated electricity and natural gas, which means you have the freedom to choose who your energy provider will be. You have the power to shop for the best rates. Check out SpendLessOnUtilities.com to find out if your state has deregulated electricity and/or natural gas.
  • If you aren’t lucky enough this year to pay off your mortgage, consider refinancing or reducing your mortgage payment. Interest rates continue to be low. You could save a good amount of money each month which you could save towards paying off your home loan earlier.
  • You can save money on your car, home, health, life insurance. I recently saved almost $400 a month on car insurance! Shop around for the best rates here.
  • Let’s face it, it’s fun to shop. However, for me it’s more fun if I can get a bigger bang for my buck. This year, one of my goals is to save as much money for things I shop for, whether it’s groceries or clothes, etc.. By regularly using coupons, shopping for online deals or buying stuff at garage sales or thrift stores I can ensure I won’t be paying full price on most things.
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