Top 7 Tips for * OverHalling * Your Food Purchases 1. Use a master grocery list 2. Make your morning drink at home 3. Stop snacking from vending machines 4. Carry your own snacks, celery sticks, carrots, broccoli spears, fresh fruit, pop corn 5. Pack your lunch 6. STOP eating out 7. Only use coupons for the products you normally buy
How much can you save by taking your lunch to work with you, "For example, if you stayed on the job for thirty years and substituted a $2 lunch for a $7.50 lunch at a local restaurant, the $5.50-per-day savings deposited in an investment club earning 8 percent over thirty years would amount to around $100,000." That's being conservative!
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Here are my Top 7 Tips Lists for * OverHalling * Seven Financial Areas of Your Life:
Top 7 Tips for * OverHalling * Your Transportation Costs 1. Find the lowest priced gas station for your gasoline needs 2. Plan and map out your errands 3. Walk 4. Ride a bike 5. Public transportation 6. Car pool 7. Errand exchange with a neighbor, worker, friend, or relative
Top 7 Tips for * OverHalling * Your Reading Costs 1. Go to the library 2. Find and use a used bookstore 3. Find it on the Internet 4. Borrow from friend or relative 5. Co-op on subscriptions and book clubs 6. Listen to audio tapes that you get FREE at the library 7. Read book reviews first!
Top 7 Tips for * OverHalling * Your Auto Expenses 1. Learn to and do your own oil and filter change 2. Keep you car maintained 3. Drop collision and comprehension if your car is paid off 4. Sell your car if the payments are too much and purchase a good, reliable used car 5. Pay off your car loan with a home equity loan and now that once car payment is tax deductible! 6. Change your deductible on auto insurance to as high as you can afford; your insurance premiums will be less 7. Maintain tire pressure and drive the speed limit
Top 7 Tips for * OverHalling * Your Banking Expenses 1. Find out what fees/rates your bank is charging you 2. Find and get the lowest fees/rates 3. Check out online banking 4. Switch to a credit union 5. Reconcile your checkbook every month (toss out the bank statement afterwards?you DO NOT need to keep it) 6. Don't bounce checks 7. Buy checks through a check company NOT your bank
Top 7 Tips for * OverHalling Your Mortgage Expenses 1. Find and GET the lowest interest rate 2. Pay your monthly payment in two week intervals 3. Switch from adjustable to an ARM 4. Drop your PMI (Private Mortgage Insurance) if you have at least 20% equity in your home 5. Pay a little extra on the principle each month or whenever you have extra money (make sure you tell the mortgage company the extra is to be applied to your PRINCIPLE only) 6. Pay a little extra on the principle each month (needed to be said again!) 7. Check into changing your mortgage from a 30 year to 20 or 15 year loan
Top 7 Tips for * OverHalling Your Credit Card Expenses 1. Use only ONE major credit card per person/family (cuts down on paper, tracking expenses, and bills) 2. Get rid of high interest rate major credit and department store cards 3. Get rid of cards that require you to pay an annual fee 4. Check for additional fees, such as transaction fees, late fees, over-limit fees 5. Charge ONLY what you can pay off monthly 6. Prepay before you charge, such as vacations and holidays 7. Pay on time. Don't put the bill in a pile, pay immediately or put with the rest of your monthly bills