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Live Smart and Save – Tips for improving your finances
and increasing your savings.
Watch Your Money Grow!
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Shake The Money Tree For Savings!
Consumers everywhere are always on the hunt for ways to strengthen their personal finances through various savings options out there.
Save a little here or a lot there and soon you will be on the road to wealth building, a goal that can lead to peace of mind and happiness.
What about you?
Have you found ways to shake that money tree to produce REAL savings?
There are many options for you to increase your savings, in both practical and easy ways.
Store Cards: For most supermarkets, coupons are out and store cards are in.
No need to clip and no need to remember what is on sale. Simply choose the items you want, bring them to the cashier with your store card, and the savings will be calculated in the form of reduced and free products for you.
Some supermarkets will add up your visits to give you special seasonal items such as a free cooler or a gas card.
You can also apply for store cards for almost any type of store, including pharmacies, sports stores, gift stores, fashion houses – the opportunities are endless! The best thing is, these schemes are generally FREE to join – all they require is your loyalty and you can earn big rewards!
Rewards Cards: Savings can be realized through the use of a cash back rewards credit card that can give you one percent or more back on your purchases.
Some cards even offer bonus savings on visits to the gas station, grocery store, or druggist. You could receive a yearly "dividend" of $300 or more if you use your card wisely.
It is important that you remain mindful of any hidden fees and charges when applying for a rewards card, as these may counteract any savings you make by using your card.
Consolidate Debt: A debt consolidation loan or a debt consolidation credit card can help you reduce expenses and get out of debt.
Monies saved by consolidating debt can be used to pay off the remaining balances. Once your debt is paid off, reward yourself and open up a savings account.
Be sure to do your research before applying for a consolidation loan or card. It is best to make certain that you are not locking yourself into a long payment plan, and that you will not end up paying substantially more in the long run than if you paid off your debts separately.
Oh, stay away from those monthly credit card carrying charges: they'll do more to harm your bottom line than almost anything else!
Ask for a Deal: Some consumers are realizing savings by simply asking for the merchant's best price.
This has always included automobiles and some appliances, but in some cases you can ask and receive a lower price on a wedding dress, computer, jewelry, patio furniture, and other products because you took the time to ask for a price break.
Shop Online: It is true: consumer savings are increasing because they are shopping online in record numbers.
Where before you were geographically restricted with your purchases you can purchase anything across Canada, the US, Europe, Australia, even China.
Online stores have the advantage of a small outlay – they do not need to pay top-dollar rent for their store, or extra money for wages for sales assistants and other floor staff. These savings can be passed on to you in the form of much lower prices than you would pay in a retail store.
Some online stores are operated by a sole person out of their home – these types of stores can provide the biggest savings of all!
Online auction sites such as eBay have changed the way many people shop. Not only can you find inexpensive new items, you can also find rare and old items that would be almost impossible to find through regular retail avenues.
Care must be taken to only shop with reputable eBay dealers, as there is little-to-no guarantee on the items you purchase through the site.
The internet has revolutionized consumerism, and you might find that you can save hundreds of dollars a year by using it as your first option for shopping.
Reap big savings by shaking the internet money tree for the best deals going!
Consumerism is no longer limited to the corner store and other local shops – the whole world has opened up to different ways of spending. This brings with it different ways of SAVING.
By living smart and shopping smart you can decrease your spending and increase your savings in no time.
Savings are being offered everywhere: it is a competitive market out there and savvy consumers are taking full advantage of it!
Grocery Shopping with America's Cheapest Family
Shake The Money Tree For Savings!
Consumers everywhere are always on the hunt for ways to strengthen their personal finances through various savings options out there.
Save a little here or a lot there and soon you will be on the road to wealth building, a goal that can lead to peace of mind and happiness.
What about you?
Have you found ways to shake that money tree to produce REAL savings?
There are many options for you to increase your savings, in both practical and easy ways.
Store Cards: For most supermarkets, coupons are out and store cards are in.
No need to clip and no need to remember what is on sale. Simply choose the items you want, bring them to the cashier with your store card, and the savings will be calculated in the form of reduced and free products for you.
Some supermarkets will add up your visits to give you special seasonal items such as a free cooler or a gas card.
You can also apply for store cards for almost any type of store, including pharmacies, sports stores, gift stores, fashion houses – the opportunities are endless! The best thing is, these schemes are generally FREE to join – all they require is your loyalty and you can earn big rewards!
Rewards Cards: Savings can be realized through the use of a cash back rewards credit card that can give you one percent or more back on your purchases.
Some cards even offer bonus savings on visits to the gas station, grocery store, or druggist. You could receive a yearly "dividend" of $300 or more if you use your card wisely.
It is important that you remain mindful of any hidden fees and charges when applying for a rewards card, as these may counteract any savings you make by using your card.
Consolidate Debt: A debt consolidation loan or a debt consolidation credit card can help you reduce expenses and get out of debt.
Monies saved by consolidating debt can be used to pay off the remaining balances. Once your debt is paid off, reward yourself and open up a savings account.
Be sure to do your research before applying for a consolidation loan or card. It is best to make certain that you are not locking yourself into a long payment plan, and that you will not end up paying substantially more in the long run than if you paid off your debts separately.
Oh, stay away from those monthly credit card carrying charges: they'll do more to harm your bottom line than almost anything else!
Ask for a Deal: Some consumers are realizing savings by simply asking for the merchant's best price.
This has always included automobiles and some appliances, but in some cases you can ask and receive a lower price on a wedding dress, computer, jewelry, patio furniture, and other products because you took the time to ask for a price break.
Shop Online: It is true: consumer savings are increasing because they are shopping online in record numbers.
Where before you were geographically restricted with your purchases you can purchase anything across Canada, the US, Europe, Australia, even China.
Online stores have the advantage of a small outlay – they do not need to pay top-dollar rent for their store, or extra money for wages for sales assistants and other floor staff. These savings can be passed on to you in the form of much lower prices than you would pay in a retail store.
Some online stores are operated by a sole person out of their home – these types of stores can provide the biggest savings of all!
Online auction sites such as eBay have changed the way many people shop. Not only can you find inexpensive new items, you can also find rare and old items that would be almost impossible to find through regular retail avenues.
Care must be taken to only shop with reputable eBay dealers, as there is little-to-no guarantee on the items you purchase through the site.
The internet has revolutionized consumerism, and you might find that you can save hundreds of dollars a year by using it as your first option for shopping.
Reap big savings by shaking the internet money tree for the best deals going!
Consumerism is no longer limited to the corner store and other local shops – the whole world has opened up to different ways of spending. This brings with it different ways of SAVING.
By living smart and shopping smart you can decrease your spending and increase your savings in no time.
Savings are being offered everywhere: it is a competitive market out there and savvy consumers are taking full advantage of it!
Grocery Shopping with America's Cheapest Family