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Money-saving tips!
David In Indy:
Loose change.
Are you sick and tired of finding loose change down in your sofa, on your floor or in your pants pockets?
Put it in a jar! :D
Get in the habit of putting it into a jar each night. You'll be amazed how fast it adds up! I collect about $50.00 in loose change every month in my jar. Then at the end of the month I roll it up and take it to the bank and deposit it in a savings account. I have been doing this for about a year now, and I have over $750.00 dollars in there.
Who knows? Maybe I'll use that to pay for my trip to Wyoming next year! :D
Loose change. :)
David In Indy:
Don't leave lights burning after you leave a room. Shut them off. If you need a little light in a room or hallway, invest in a small night light so you can see around you as you walk through them. Leaving large overhead lights or lamps with high wattage bulbs burning will seriously increase your electric bill and it's terrible for the environment. Shut them off when you're not using them! :D
And don't use your credit cards and debit cards for small purchases! Use cash instead when you buy a bottle of Coke at the filling station or a candy bar at the convenience store. I can't believe it when I see people charging a $1.00 candy bar of bottle of coke. I always keep a small amount of cash in my wallet for smaller purchases. I try to never use my charge cards for anything under $20.00 unless it's unavoidable. :D
Shasta542:
--- Quote ---And don't use your credit cards and debit cards for small purchases! Use cash instead when you buy a bottle of Coke at the filling station or a candy bar at the convenience store. I can't believe it when I see people charging a $1.00 candy bar of bottle of coke. I always keep a small amount of cash in my wallet for smaller purchases. I try to never use my charge cards for anything under $20.00 unless it's unavoidable.
--- End quote ---
Is there an extra charge to use a debit card? ???
I read that even when your phone/camera/whatever is not being charged, the charger is using electricity if it's plugged in. I used to leave my phone charger plugged in, but I've been unplugging it since I read that. I wonder if it's true?
I put my change in a jar, too, David! I had $105.00 last time--but that was a 6 month save-up. Still---even pennies add up that way! ;)
David In Indy:
--- Quote from: Shasta542 on August 12, 2007, 11:16:36 pm ---Is there an extra charge to use a debit card? ???
I read that even when your phone/camera/whatever is not being charged, the charger is using electricity if it's plugged in. I used to leave my phone charger plugged in, but I've been unplugging it since I read that. I wonder if it's true?
I put my change in a jar, too, David! I had $105.00 last time--but that was a 6 month save-up. Still---even pennies add up that way! ;)
--- End quote ---
My bank charges me if I use my debit card at stores! Maybe I should be banking somewhere else! They are only small miscellaneous charges but they add up fast!
I read the average American receives 85 cents a day in change. This is assuming they are not charging candy bars on their Visa and Mastercard! 85 cents X 30 days is $25.50 each month! That's over $300.00 per year! Do this for 3 years, and that's almost $1000.00 dollars! :D
For some reason I always end up with quite a bit of pocket change each day. It's probably because I'm always buying small items every day; things like those "Big Gulps" at Speedway and candy bars at Walgreen's! ;) :D
Kelda:
--- Quote from: David on August 11, 2007, 12:13:31 am ---
Who knows? Maybe I'll use that to pay for my trip to Wyoming next year! :D
Loose change. :)
--- End quote ---
oooh! Good idea!
Hmm, certainly my card doesn't charge me for making payments on my card - unless its my credit card & its interest but I don't use that very much.
A good tip for those in the UK - is top open a Nationwide account- I'm about to open one ready for my holiday. NBAtionwide doesn't chage you for withdrawing money abroad- the only card in the UK to do this - which means you get a great exchange rate - and you can withdraw money as you please rather than withdrawing large amounts as you don't want lots of fees.
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