F Valpak.com Shopper & Coupon Blog: 5 Ways to Find “FREE” Money That's Really Free

Valpak.com Shopper & Coupon Blog

Tuesday, February 07, 2006

5 Ways to Find “FREE” Money That's Really Free

Most saving solutions involve changing your lifestyle or your habits. Not these. Here are the prime places to look for money that's already rightfully yours.

  • Lower your regular Expenses
  1. Cell-phone service – if you have a 3,200-minute plan that runs about $200 per month and only use about 300-400 minutes, change to a $40 plan with 400-minutes and save about $160.
  2. Local and long-distance calling – if you are not using all of your cell phone minutes, which most include long distance, offset your land line bill by using the cell phone minutes.
  3. Checking account - by switching to a non-interest-bearing account, you can tie up far less money and avoid higher fees.
  4. Insurance - Ask your insurance provider for discounts.
  • Don’t over pay to borrow
  1. Credit Cards - plenty of cards come with added perks, such as airline miles or, better yet, cash back.
  2. Mortgage - biggest savings potential here is to get rid of PMI, or private mortgage insurance.
  • Maximize your current resources
  1. . Use what you’ve got - e-mail can be a great way to cut your long-distance phone costs.
  2. . Get rid of what you don’t use - donate your unwanted items for a tax deduction, have a garage sale or sell them on eBay
  • Don’t ignore potential income
  1. . Take advantage of any employer, matching on retirement accounts - ignoring any employer match on your contributions is like turning down a 3% raise every year (or whatever percentage your employer will cough up).
  2. . Pay the ‘right’ amount of taxes - but by taking the right number of exemptions on your W-4, you keep more money in your own pocket throughout the year to invest as you please
  3. . Check on old accounts - there are plenty of free sites that list people who are owed money by insurance companies, banks and utilities.
  • Ask for a deal

To read more visit, 5 Ways to Find “FREE” Money That's Really Free

    posted by Anna at 10:11 AM

    3 Comments:

    • You should check out this serice called Little Grad if you do any kind of online shopping. It’s free. I signed up in October and absolutely LOVE it!

      http://www.littlegrad.com

      By Anonymous Anonymous, at 16 February, 2006  

    • Thanks for the tip!

      By Blogger Cara, at 28 February, 2006  

    • Another great money saver my sister found - makes money too!
      lynn.yourfamilyfirst.com

      By Anonymous Anonymous, at 21 March, 2006  

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