Save Money on Almost Everything

There are ways to save money on almost everything. Here are a few examples that can work for you.

1. Switch to a prepaid cell phone if you use less than 200 minutes a month-Mobile and Verizon offer plans that let you buy a minimum number of minutes, sometimes as little a $10.00 worth and lets you use them as you need them. You're not required to buy more for a year.
2. You can save tens of thousands of dollars in interest by shopping for the shortest term mortgage you can afford. For example; each $100,000 you borrow at 7% annual percentage rate (APR) you will pay $75,000 less in interest on a 15 year fixed rate mortgage than you would on a 30 year fixed rate mortgage.
3. Cut back your TV premium package ($100.00 to the basic package ($45.00.You will likely have all the channels you can watch and still have time to read a book or take your kids to the park.
4. Every add-on on your telephone service is $5.00 each. Callers ID, call waiting, three way calling, and voice mail. Dropping just one will save you $60.00 a year.
5. Before you replace your cell phone, visit the web. Online services offer the same phones and service plans for all major carriers-but for much less. Go to Lets Talk, and save more than 70%. for example; The AT&T tilt phone is $299.00 at the AT&T store; At LetsTalk.com, its $99.99.
6. Combine your satellite or cable TV, phone,internet service, and long distance in one bundle and it will cost you much less than paying for each service separately.
7. Buy a prepaid long distance card at Costco for about $20.00 for 700 minutes and cancel your long distance service. That's about 11 hours of chat at 2.9 cents per minute.
8. Every month when you pay your mortgage payment, write a second check for 1/12 of the regular payment. At the end of the year you will have paid 13 house payments. On a 30 year $200.000 mortgage at 6.75 percent interest, you will pay off your mortgage in 24 years and save $62.750 in interest.
9. Pay your credit card payments when you receive the bill. You will reduce the daily balance for more days in the cycle, and pay 5 to 10 dollars less.
10. Pay your bills online. If you pay 15 bills per month by mail, you're spending at least $75.00 a year on postage.

There are many more ways to save your money but these suggestions will go a long way toward keeping more money in your pocket. You can; ask your doctor for generic drugs. Visit Gas Buddy to find the cheapest gas in your neighborhood, Offer your doctor cash for a discount. Ask why you need a follow up visit. Often a call will do.