Top 10 Ways to Cut Spending
Do you run out of money before you run out of month?
Do you wonder where your money goes each month?
Do you struggle to find money to invest for retirement, emergencies and other financial goals?
Here are 10 tips to cut your spending and stretch your dollar to the max:
1.
Consider dropping your home telephone line.
Your cell phone is probably all you really need, and most likely it has free long distance.
You could save $30 or more per month by dropping your "land line".
2.
Cut back on trips to Starbucks or other premium coffee shops.
Often called the "latte factor", spending several dollars per day on luxuries like premium coffee can really add up.
For example, if you spend $4 for a cappuccino five times a week for 50 weeks out of the year (you're on vacation the other two weeks), you would spend $1,000 in a year.
Try treating your trip to Starbucks as a treat instead of a habit.
You'll save money and probably lose weight too!
3.
Pay your mortgage payment bi-weekly instead of monthly.
You'll pay less interest and pay off your mortgage faster.
4.
Carry cash instead of credit cards.
Psychologically it's harder to spend cash than it is to use the credit card.
You'll spend less and save on interest charges.
5.
Use the "envelope system" for groceries, dining out, entertainment, and other discretionary spending categories.
This will help you track how much you spend in these categories as well as prioritizing your spending.
6.
Raise the deductible on your homeowners and auto insurance policies.
It's not wise to file claims for small losses anyway (insurance companies love to raise rates after you file a claim), so a higher deductible will save you money now and in the future.
7.
Buy regular gas instead of premium.
Most cars don't need premium gasoline.
Also, take public transportation if it's available in your area.
Take advantage of "park and ride" and carpooling options.
8.
Plan your purchases to avoid impulse buying.
Take a list with you to the grocery store and stick with it.
Studies show that impulse buying can add $10-50 to your grocery bill ? ouch!
9.
Go to the library instead of the bookstore.
If you're an avid reader, give yourself a book budget for books that you will want to keep, and go to the library for everything else.
10.
Take a vacation at home.
Check out all the local sites and happenings.
You'll rediscover your hometown and save on travel and hotel costs.
These are just a handful of ways you can cut spending and stretch your dollars, but if you follow these tips you'll discover you have more money at the end of each month to apply to other financial goals, such as saving for college, retirement or just for a rainy day.
.
Kristine offers financial and tax planning on an hourly, fee-only basis.
To sign up for free financial planning tips, worksheets, checklists and more, visit http://www.beacon-advisor.com.
? 2006 Beacon Financial Advisors, LLC and Kristine A McKinley
Restore Your Credit Rating And Reduce Debts
Your credit rating affects many areas of your life. Opening new credit accounts, buying a home or car, getting a new job, and receiving discounts on insurance rates are just a few of the things that are impacted by your credit score. Millions of people have inaccurate information, errors, and out dated information on their credit report. These errors can cause your credit score to drop dramatically, which adversely affects numerous aspects of your life. Credit repair services can help you raise your credit score and get rid of old accounts and inaccurate information.
Creditors often report information that is incorrect and you may even have accounts on your credit report that do not belong to you. Even credit accounts that are listed correctly can be removed form your credit report if the creditor cannot prove the information is accurate and up to date. You can legally rid yourself of many items on your credit report and raise your credit score. This will enable you to make important...
Restore Your Credit Rating And Reduce Debts
Life insurance > Restore Your Credit Rating And Reduce Debts
Managing Pharmacy Costs Equates to Lower Health Insurance Premiums for Employers & Employees.
Greenwood Village, CO- June 9, 2004Prescription drug costs can now account for up to 20% of an employers total health insurance cost structure.
Five years ago prescription drug costs represented only 5 to 7% of the total health insurance cost structure.Many strategies exist that can help manage and lower prescription drug cost up to 25% annually.
In addition, employers can be entitled to refunds or overcharges from their current Pharmacy Benefit Manager (PBM).
Solutions to lowering pharmacy costs include:?Arranging direct contracts with PBM's.?The removal of "spread pricing" from a contract.?Arranging direct rebates between the PBM and the plan. ?Implementing "Step Therapy Plans".C.
David Kikumoto, President & CEO, and Peter Miterko, Executive Vice President both with Denver Management Advisors, LLC are available to further comment on strategies to lower pharmacy benefit costs as well as expand upon the options to audit a pharmacy benefit program and...
Managing Pharmacy Costs Equates to Lower Health Insurance Premiums for Employers & Employees.
Life insurance > Managing Pharmacy Costs Equates to Lower Health Insurance Premiums for Employers & Employees.
SpectoWise Inc. Joins LEDES.ORG
WETHERSFIELD, CT January 31, 2006 - SpectoWise, Inc., a leading provider of sophisticated legal spend business analytics and customized metrics reporting solutions, is pleased to announce that the company has been accepted as a member of the LEDES Oversight Committee (www.ledes.org)
The LEDES Oversight Committee is a voluntary organization of legal industry representatives which as has designed and continues to improve the law firm billing standards in use by every major legal e-invoicing vendor and law firm time & billing software provider.
The organizations membership includes legal technology vendors, representatives from member law firms, and representatives from corporate law departments.
Were excited to be accepted as members of the committee, commented Peter Szymonik, President of SpectoWise.
Advanced business analytics and legal metrics reporting is anticipated...
Life insurance > SpectoWise Inc. Joins LEDES.ORG
Self Responsibility Drives Dahn Yoga Member to Healthy Living
(ContentDesk) November 10, 2005 -- With Dahn Yoga, Im convinced Ill live to be 150 and my kids are worried sick.
Thats the humor of Bea Sheridan of Albuquerque, New Mexico whose new passion is yoga.
A registered nurse for 48 years, Bea also holds a doctorate degree in Counseling and Health Education.Having a strong belief in self responsibility and naturopathic medicine, this 68 year old mother of three grown children has never carried health care insurance. Instead, she has always sought natural means of healing.It was at a Deepak Chopra seminar where she spotted a booth for Dahn Yoga. Chopra is widely acknowledged as one of the world's greatest leaders in the field of mind body medicine. The Dahn Yoga booth there offered aura readings -
the electromagnetic field surrounding objects.
Some people refer to this field as a bio-energy field. My aura reading was right on in terms of who I am and it compelled me to look into Dahn Yoga class offerings...
Self Responsibility Drives Dahn Yoga Member to Healthy Living
Life insurance > Self Responsibility Drives Dahn Yoga Member to Healthy Living
Nutrients On The Decline In Our Foods
(NC)?The amount of nutrients in our food is steadily declining, according to recent research. A recent survey found some fruits and vegetables we buy today contain far fewer nutrients than they did 50 years ago. This is especially noticeable in foods such as potatoes, tomatoes, bananas and apples. Specifically, the potato has lost 100 per cent of its vitamin A, 57 per cent of its vitamin C and iron, and 28 per cent of its calcium.The study looked at 25 fruits and vegetables, and found that 80 per cent showed drops in calcium and iron, 75 per cent in vitamin A, 50 per cent lost vitamin C and riboflavin, 30 per cent lost thiamine and 12 per cent lost niacin.Data from the US Department of Agriculture also documents a similar trend in vegetables, from the start to the end of the 20th century. The average mineral content of vegetables such as cabbage, lettuce, tomatoes, and spinach has declined from 400 mg to less than 50 mg.The decline in nutritional content is likely due to changes in farming...
Nutrients On The Decline In Our Foods
Life insurance > Nutrients On The Decline In Our Foods
Life After Life ... Death is merely a changing room.
Since I awoke from my three month coma in August of 2004, I have been asked many times about what I remembered and experienced. After looking over my notes and speaking with my wife and some of the medical professionals involved, I decided that it might be a good idea to write a short overview of these experiences. They were both wonderful and frightening, but the lessons I learned and the "gift" I was given are worth more than anything I could ever experience again.When I awoke, I was told about my wreck and my coma. That wasn't all that exciting. But, what really kicked me in gear was when my wife and the surgeons carefully informed me about my deaths and myriad other events.
It was all amazingly like a dream! I couldn't believe it! How could I have died if I feel more alive now than ever before? I remembered everything that happened during the noted coma. But, I never knew I was in a coma because I actually "lived my life" through what I now know were "trips" outside of my...
Life After Life ... Death is merely a changing room.
Life insurance > Life After Life ... Death is merely a changing room.
WorldSki Releases Early Booking Offers for 2006/07 Season
(ContentDesk) April 30, 2006 -- Leading independent Ski and Snowboard operator WorldSki have this week added some superb value early booking offers for the 2006/07 season.North America features heavily with some great accommodation only prices. Ski the Heavenly slopes around Lake Tahoe, California, enjoy the sunshine and make the most of prices as low as ?168 per person for a 7 night stay at the Lakeshore Lodge & Spa overlooking Americas most beautiful lake. Or head further north to the Canadian Rockies, and for ?198 per person, revel in the delights of Banff National Park whilst staying at Brewsters Mountain Lodge in downtown Banff. Closer to home they are offering a New Years break in Courchevel.
And not just Courchevel but Courchevel 1850, Europes place to be during the ski season, with fine restaurants, lively bars and the unrivalled skiing of the Trois Vallees ski area.
All this can be bought at the bargain price of ?211 per person for 7 nights, departing 30...
WorldSki Releases Early Booking Offers for 2006/07 Season
Life insurance > WorldSki Releases Early Booking Offers for 2006/07 Season
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