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  #21  
Old 03-15-2010, 06:59 PM
Strat57 Strat57 is offline
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Default Re: Money Tips

Use online resources like Edmunds.com to research new car prices before you go to the car lot. Know the invoice price and any rebates the manufacturer is offering.
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  #22  
Old 03-15-2010, 07:01 PM
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Buy the best home you can afford. A well built home on a good area will grow in value. (Just don't get in over your head!)
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  #23  
Old 03-15-2010, 07:03 PM
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Beware of Bubbles. We all want to find the next big stock or investment opportunity. The problem is that by time the average investor hears about it the time to buy-in is long past.
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  #24  
Old 03-15-2010, 07:06 PM
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Learn to enjoy living within your means!
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  #25  
Old 03-15-2010, 07:06 PM
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Keep at least 6 months of income socked away for hard times.
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  #26  
Old 03-15-2010, 07:10 PM
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Ask you bank for a better interest rate on your saving or money market account. They often have short term special rates they can got you in on!
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  #27  
Old 03-15-2010, 07:12 PM
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Default Re: Money Tips

Shop around - get at least 3 quotes on any Home Improvement.
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  #28  
Old 03-15-2010, 07:13 PM
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Default Re: Money Tips

Invest in things that will add to the value of your home - like kitchen remodel.
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  #29  
Old 03-15-2010, 07:15 PM
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Keep an old jar handy and fill it up with you pocket change. I use rolled $180 dollars in spare change - at adds up.
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  #30  
Old 03-15-2010, 07:17 PM
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Take advantage of cash discounts for Gas, Furniture or anything else. On a big purchase ask the merchant if their is a discount for cash.
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  #31  
Old 03-15-2010, 08:06 PM
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Pay off loans early! You can save thousands in interest by paying a loan off early.
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  #32  
Old 03-15-2010, 08:07 PM
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Always pay over the minimum on your credit card bills. If you have a low balance pay it off completely every month and you will be charged little to no interest.
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  #33  
Old 03-15-2010, 08:09 PM
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Avoid pay day loans. The interest is astronomical!
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  #34  
Old 03-15-2010, 08:21 PM
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If you have a debit card use it only to withdraw money from the bank according to your weekly budget. When that cash runs out it is time to stop spending. After a few weeks you will learn to buy only what you need rather that what you want at the moment.
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  #35  
Old 03-15-2010, 08:22 PM
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When you go shopping take a list and stick to it - don't be an impulse buyer.
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  #36  
Old 03-15-2010, 08:24 PM
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Plan you budget so that you have a little something at the end of the month left over as reward for saving. Saving should make you feel good and give you something to look forward to.
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  #37  
Old 03-16-2010, 05:34 PM
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If your financial adviser does not return your call within 24 hrs - find a new one! That person should give you A+ customer service every time.
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  #38  
Old 03-16-2010, 05:38 PM
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Try to establish a saving goal for the year. Pick a number that is realistic and map out the monthly or weekly contributions needed to reach your goal.
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  #39  
Old 03-16-2010, 06:02 PM
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Try to avoid Leasing a car. Buy your next car and keep a long time! An even better idea is to buy a low mileage used car.
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  #40  
Old 03-18-2010, 02:27 PM
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Get the most of your money - Shop around and read product reviews before you buy. It can be very frustrating to save up for something only to find out it is a piece of junk that you can not return!
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