23 Tips on How to Save Money Now

True, there are a lot of money saving tips out there. But here’s a quick view of some tips that I use myself and that work!

1. Combine your cable, internet and telephone service.
2. Send away for and follow up on rebates.
3. Buy a refurbished Mac. Did this and bought a 1 year old Macbook for $500. Apple freaks always need to have the newest Apple gear. You know you have a friend like that. When a new version Laptop comes out, ask him/her what they’ll do with the old one and then score!
5. Request a reduction in the interest rate on your credit cards.
6. Refinance you mortgage. My dad did this and saved over $300/month after the refinance.
7. Get your books from the library. Nuff said.
8. Get DVDs from the library.
9. Get DVDs from Red Box. $1, nuff said.
10. Read magazines online. Why buy US, People, Maxim when you can visit their site and read what’s found in the mag for free!
11. Never pay checking account fees.
12. Get a rewards card. Albertson’s, CVS, even Sephora, do it!
13. Don’t pay interest on credit cards.
14. Drive your car longer. Run that thing into the ground. I hate my monthly car payment with a passion.
15. Increase insurance deductibles.
16. Get rid of your home telephone.
17. Agree to limit gift giving.
18. Pass on extended warranties.
19. Take your lunch to work. I do this about 3-4 times/week. An average lunch can cost anywhere from $7-$10. That about $40 your saving/week if you start bringing leftovers for lunch.
20. Take advantage of employer 401(k) matches. I cannot stress how important it is to start a 401K. Stop waiting and just do it already.
21. Get organized and avoid missed payments.
22. Buy online when it saves you money. And usually when free shipping is involved.
23. Use Open Source software when possible.

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