Money Saving Ideas
- Sell your old cell phones. You can make money by selling your old cell phones. You can sell them by Clicking Here.
- Sign up with Project Pay Day. This is an easy way to make $100 to $500 a month. To sign up for free, Click Here!
- Combine your cable, internet and telephone services. Companies now offer combined services that not only cost less, but also offer the convenience of a single bill.
- Work as a Mystery Shopper. To learn how to make money from shopping, Click Here!
- Sell your old books on Amazon.com. There is huge market for all types of books on Amazon.com To learn how to do it, Click Here!
- Slow down your internet service.
You can go to a slower internet service option
and save a lot of money every month. Most people notice no difference when surfing
the Net. Click here, to
Get NetZero Internet for as low as $6.95 per month!
- Send away for and follow up on rebates. After you buy a product with a rebate, send in the form immediately. Then mark your calendar to remind yourself to follow up with the rebate company if the check hasn't arrived.
- Buy a refurbished Computer: It is a great way to buy not only computers, but iPods and iPhones as well. Click Here to get Desktop Computers as low as $129
- Find the Cheapest Elecricity Rates in your area. To see who has the best rates in your area, Click Here!
- Sell some of your
items on Ebay. To learn how, Click Here.
- Convert to a gas water heater.
They are more energy efficient and will save you money
in the long run.
Click Here for best prices on Gas Water Heaters.
- Request a reduction in the interest rate for your home equity line of credit. I did and my mortgage company reduced the rate by more than 0.50%.
- Request a reduction in the interest rate on your credit cards. As with home equity loans, credit card companies sometimes are willing to reduce the interest rate.
- Refinance you mortgage. If
you can reduce your interest rate by one percent
or more, it is often beneficial to refinance.
This is particularly true for those with high
rates due to less than stellar credit scores. If
your score has improved, you may qualify for a
better rate. I would start by asking your
current mortgage lender about lower rates.
You could also try Loan Modification. To get
a Loan Modification Request Submission Package
quickly and easily, click here: www.instamod.com
- Get rid of Private Mortgage Insurance. If your down payment was less than 20%, you are probably paying PMI. Once you have 20% equity in your home, contact your mortgage company to start the process of removing the PMI.
- Paint Curbs. You can make $200 to $300 a day painting curbs and it requires very little overhead. To learn how, Click Here!
- Get your books from the library. While I buy some of the books I read, most come from the library. They usually have plenty of new books, it's hard to beat free.
- Get DVDs from the library. Many libraries now have movies on DVD that can be checked out. If your library offers this service, it sure beats paying Blockbuster or Netflix. If you have kids, this one really pays off.
- Get DVDs from Red Box. If your library doesn't offer DVDs, get your movies from Red Box. It costs just one dollar per night. Netflix is also a great, low cost and convenient alternative. Click Here to get a free 2 week trial with Netflix.
- Read magazines at the library or
online. Magazines
can cost a fortune when you purchase them at the
supermarket. You can save a lot of money buy
getting dirt cheap subscriptions by clicking
here:
Save Up to 85% on Popular Consumer Magazines
- Get paid to take surveys. You can make money taking surveys online. To learn how, Click Here!
- Buy your car over the internet:
Search the internet for information on the car
you want and then send e-mail requests to
dealers for the best price. Even if the dealer
is located in another state, the cost to have
the car delivered may still be worth it. I paid
$400 to have a Chevy Truck shipped 400 miles
and still saved $1,000 over the best local price
available. Click Here for Awesome deals on new and used Vehicles
online.
- Buy Garage Sale Items
dirt cheap and Resell them for good money on
Ebay. There are people making over
$100,000 a year doing this. To sign up for
a free Ebay Account, Click Here.
- Request a discount on trash service. In many areas, this is a highly competitive business. If you get a better offer in the mail for trash service, call your current trash company and ask them to beat the offer. My trash service has reduced its rates twice in seven months to match competitor offers.
- Find Scholarships for your
Children. If you have a high
school or college student, you can find many
little known scholarships for them by searching
this free database. To search for free,
Find free money for college or an advanced degree.
Search now!
- Never pay checking account fees. With so many free checking account plans available, there's no reason to pay a fee. And if the bank happens to charge you one, ask them to reverse the fee or move your business elsewhere. ING offers a checking account with no service fees and no hidden charges. To learn more, Click Here!
- Don't pay interest on credit cards. This is obvious, but I soon as you fail to pay off the credit card in full, the high interest payments start to eat away at your monthly budget. If the temptation to spend more than you can pay on a credit card is to great, get rid of the credit card (and ignore the previous tip!).
- Take advantage of 0% credit card offers. I've saved thousands of dollars using 0% balance transfer credit cards. As long as the cards won't cause you to spend more, they offer substantial savings. Make sure, however, that you keep an eye on the balance transfer fee, which can wipe out your savings.
- Switch from DirecTV to Dish Network. If you have DirecTV for your Satellite Service, you can switch to Dish Network and pay only $19.99 a month with Free HBO and Cinemax and get free installation. To learn how, Click Here!
- Replace incandescent bulbs with compact fluorescent light (CFLs) bulbs. These bulbs use 75% less energy and last 10 times longer. They do take some getting used to, and they won't work in every light fixture. But use them where it makes sense and save energy and money.
- Work as a freelance Writer. You can make good money writing articles for magazines and newspapers in your spare time. To learn how to do it successfully, Click Here!
- Drive your car longer. The buy new versus used debate often overlooks the most important factor--how long you own your car. Drive it as long as you can for major savings.
- Sign up with Publishers Clearing House. They really do give away millions of dollars every month. Sign up for free for your chance to win. Click Here to win $10 MILLION from Publishers Clearing House
- Design and Sell Shirts on
CafePress. You
can design and sell Shirts online (at no cost)
and when people buy the shirts, you receive a
commission.
Click Here to get started!
- Pay your life insurance annually. Insurance companies charge more if you pay monthly, quarterly or semi-annually. Pay once a year and you will pay less.
- Pay car insurance semi-annually. Many car insurance companies offer quarterly and semi-annual payment options. It costs more to pay quarterly, and twice a year is more convenient anyway.
- Increase insurance deductibles. Most of us don't need to be insured for all losses over $100 on our car, for example. Although we wouldn't want to pay a $250 or even $500 deductible, we could. If that's you, find out how much you'd save from raising your deductible. I've raised my deductibles on my auto insurance and home owner's insurance and saved a considerable amount.
- Think before submitting an insurance claim. My rule of thumb is that I won't submit a claim on a loss that is less than twice my deductible. So for a $250 deductible on an auto loss, I'll pay out of pocket any loss up to $500. The reason is because the $250 I'd receive from my insurance company is not worth the increased premiums I'm likely to pay. You may want to call your insurance agent to find out how a claim will impact your premiums before filing the claim.
- Use a Discount Brokerage for your investments. You can save tons of money. To learn how to get $5 Stock Trades, Click Here!
- Get rid of your home telephone. This is a great way to save money. These days, very few people still have a regular home phone number.
- Use a new telephone service.
We use Internet phone service and have saved
substantial money over Verizon. The
phone service has been very reliable, and you'd
never even know the signal was being carried
over the Internet. Phone Power is a new
generation telephone company that uses your
broadband internet connection. It offers
flat-rate calling packages that include all your
local and long distance calling saving customers
60-70% on their phone bills. To see more,
click here: Unlimited Phone Service $14.95 per month
- Shut vents in unused rooms. This isn't advisable if you have forced air heating, but shutting vents in unused rooms can save on your heating and cooling bill.
- Start your own Blog. A successful part-time blog can earn you $100 to $2,000 a month or more! To learn how to start one successfully, Click Here!
- Get paid to teach English online. To learn how, Click Here!
- Eliminate some cable service. Note that I'm not recommending getting rid of cable completely, although that's certainly a way to save money. If you must have cable, take a look at all the charges on your cable bill and consider getting rid of some of the service. Try it for a month and see if you really miss those all of those unused channels.
- Get a Student
Discount Card for your children. With a
Student Advantage Card, your children can get
discounts on everything including restaurants,
movies, amusement parks, fast food, clothes,
etc. It's a nationwide program and
it really saves a significant amount of money.
For more information, Click here to save $10 on your Student Advantage card!
- Agree to limit gift giving. At Christmas some families go overboard when it comes to gift giving. Agree in advance to limit the gifts and save everybody some money.
- Make money surfing websites. You can get paid to surf websites and even more money to send them new referrals. It's free to sign up. To learn more, Click Here!
- Repair and Maintain your own vehicle. Even if you don't know how to do repairs, you can purchase the auto parts online (usually at half the cost) and pay your mechanic to replace the part. To get the cheapest prices on auto parts, Click Here!
- Get healthy. Your health will directly impact the cost of life insurance and, in some cases, can reduce the cost of your health insurance. Eat healthy and stay away from fried foods and sweets.
- Find a Better Deal on your Homeowners Insurance. You can save hundreds if you shop around. To see some price comparisons, Click Here!
- Sign up for Free Samples and Free Products. Some websites specialize in offering free products and free samples for consumers to try. To sign up for free and get your freebies, Click Here!
- Cancel the health club membership. Evaluate how much you really use your health club. Less expensive options may include a gym at your work or a gym at your local parks and recreation center. Try to avoid lengthy contracts that keep you financially strapped.
- Save on International Calls. If you make international phone calls to other countries, you get the cheapest rates by Clicking Here!
- Pass on extended warranties. A $127 two year extension on a $310 product is not worth it. Warranties are insurance, and we rarely need to insure such a small amount. Statistics show that they are a very bad deal.
- Get paid to take photos. To learn how, Click Here!
- Take your lunch to work one more day a week than you do now. Eating out at lunch is fun, so I wouldn't eliminate it completely. But taking lunch just one more day a week will keep money in your pocket.
- Find a Better Dental Plan. If you shop around, you can find better and cheaper dental plans than you are getting through your employer. To see comparisons, Click Here!
- Buy low cost mutual funds. Keep an eye on the cost of the mutual funds in your 401(k) and other investments. My rule of thumb is that no fund should cost more than 1% and the combined cost for all your funds should be less than 0.50%.
- Take advantage of employer 401(k) matches. If your employer matches 401(k) contributions, do everything you can to take full advantage of that match.
- Sell your old Gold
Jewelry. You can make money by selling
old gold jewelry that you no longer wear.
Click Here!
- Get paid to read emails. You will get $5 just for signing up. Click Here to Sign up!
- Use flexible spending accounts. FSAs allow you to pay certain medical, dental and child care expenses using pre-tax dollars. If your not taking advantage of these accounts, you're wasting money. Enrollment at many companies is occurring now, so check with your HR department if you have any questions about FSAs.
- Flip Websites. You can learn how to buy websites, make changes to increase the value, and re-sell the site for a nice profit. To learn how, Click Here!
- Get your tires online
from Tire Rack.
Simply put, they cost a lot less than anyone
else. They will ship the tires to a local
tire dealer, who can install them for you for a
moderate fee. You will save a
significant amount of money with this method. To
learn more, click Here:
Special Offers: Save on quality tires with these manufacturer's promotions available from Tire Rack.
- Keep tires properly inflated. It keeps you safe and costs less on gas.
- Stop smoking. This is a huge money saver and will also save money on health care later in life. To learn an easy way to quit, Click Here!
- Drink less alcohol. It costs money and ads calories.
- Donate Blood. Local Blood Banks will pay you for your blood and you are also helping your community.
- Buy Gift Certificates at
less than face value. Many people
sell their gift certificates online at less than
face value because they need the cash. To
find some great deals, Click Here!
- Buy term life insurance. Any other life insurance product is just not worth the extra cost.
- Buy generic over-the-counter medicines. They are exactly the same as name brands and cost less.
- Get paid to Test Video Games. It's true......you can actually get paid to test video games. To learn how, Click Here!
- Get organized and avoid missed payments. I've missed a payment or two because the bill got buried beneath a stack of papers. Get organized and avoid those late payment penalties. If you do miss a payment, call your creditor and ask to have the penalty removed. Sometimes they will accommodate the request, at least the first time.
- Buy online when it saves you money. You can buy anything at Amazon.com at amazingly low prices. Click here to see:
- Use Open Source software when possible. Use GIMP instead of Photoshop. GIMP is free, but Photoshop isn't.
- Check the insulation in your home.
Extra insulation can easily pay for itself in
one or two years, and it helps save the
environment, too. Radiant Barrier is also
a wise investment if you live in a hot part of
the country because it will significantly cut
down your monthly electric bill. It's
fairly easy to install yourself and it's
inexpensive if you order it online. Click Here to get the Cheapest deal on Radiant Barrier Insulation
- Buy energy efficient appliances. Look for the Energy Star on appliances and consider the annual energy cost before buying. More efficient appliances cost more, but you make up the extra cost and then some over the life of the product. Click Here to see some energy saving appliances
- Stay married. Statistics show that divorce will wreck your finances and your spouse's finances. Avoid divorce at all cost.
- Earn reward points for
every dollar that you spend. Click
here to learn more: Stop, Shop, and Get Rewarded!
- Shop around to find cheaper car insurance. 75% of the time, you can find a cheaper deal. Get a FREE quote with 21st Century Auto Insurance. Click Here.
- Use Coupons. You can save some serious money using coupons. Buy the 2010 Entertainment Coupon Book and it will easily save you hundreds of dollars. They contain thousands of coupons for business in your area, including restaurants, movies, entertainment, stores, etc. Click Here for Discounts - Dine. Travel. Shop. Save.
- Search for unclaimed money - The government has billions of dollars of unclaimed money that is waiting to be claimed. This can be from utility deposits that were never picked up, unclaimed employee retirement/savings benefits, stock plans, inheretance, etc. To see if you have any money owed to you, click here: Check for your unclaimed property by clicking here!
- Don't pay for electricity!!! People around the country are building their own free energy generator. For the average household, that would save $3,000 to $5,000 a year! Learn how to do it by clicking here: Build your own Free Energy Generator.
- Get Free Cable. Get free Cable TV by using Cable Descrambler Plans. Click Here to get your Cable Descrambler Plans.
- Sell Your Hair - If you have at least 10 inches of hair that you can cut off, it is worth $300 to $2,000. Click Here to learn how to sell it: http://www.thehairtrader.com/
- Grow your own vegetables. To learn how to successfully start your own organic garden, Click Here!
- Learn how to make your favorite restaurant recipes at home. To find the secret recipes, Click Here!
- Build your own Solar Power System. Supply your own electricity and save money. To learn how, Click Here!
- Double your Gas Mileage. Convert your car to run on water and gasoline. To Learn how, Click Here!
- Get Free Grants and Free money from the Government. To learn more, Click Here!
- Get Paid to Draw. To learn how, Click Here!
- Get Cheaper College Textbooks. If you have a child in college, you can save a ton of money by purchasing their college textbooks online. You can also sell them back for more money than you would get at their college bookstore. To learn how, Click Here!
- Quit purchasing your
magazines at the store. You can save 85% by ordering online. To see prices,
Click Here!
- Get a Free Phone. If you are not locked in a contract, you can get a free phone by signing up for new phone service. Click Here for Details!
- Work as a Substitute Teacher. Most schools will let you work as a substitute teacher even if you don't have an education degree. For more information, contact your local school district.
- Make and Sell your own Jewelry and Crafts. To learn how to do it successfully, Click Here!
- Get the cheapest rate on your next auto loan. If your credit score is over 620, Money Aisle can get you the best interest rate on your next auto loan. To learn how, Click Here!
- Get Free Golf. Many courses will allow you to play golf for free if you work a couple of days a week as a course marshall. You ride around in a golf cart and make sure golfers are keeping pace on the course. If you play a lot of golf, this can save you a ton of money!
- Do things yourself instead of paying professionals. To see how, go to http://www.DoItYourselfKing.com
- Purchase your Medicine
Online and save really big money. To
see how much you can save,
Click Here!
