Money Saving Alternatives

The reasons why I don’t watch news sometimes are the news about the oil price hike, increase in the electricity and water bills, and the increase on basic commodities. Though there are news that the world economy is getting better, I don’t see improvement in the economy and on my opinion things have gotten worst.  In fact, deflation is still present in the large part of the world.

You need to stretch your budget to survive these problems each day. But how? Money saving tips and alternatives are ways of stretching your budget. You can shrink not only your  electric and water bills but your cell phone bills as well by comparing and choosing the best cell phone plans. 8 out of 10 people overpay for cell phone services and you wouldn’t want to be included in this statistics, would you?

And if you think that getting business credit cards is not applicable nowadays, then you are wrong. It is but right to get credit cards for your emergency needs. As long as you spend within your limits  and you won’t go over board, you won’t encounter any problem in the future. But compare credit cards first before you get one. There are on line services that sort combination of credit card features and benefits that could help you find the best credit cards for your needs.

Shrink Your Monthly Bills

Every 15th of the month I am saving half of our monthly bills and another half on the 30th. We need to do that so as to pay our bills on time. Every month we are paying the house amortization, electricity, water, internet, cell phone loads and credit cards plus our daughter’s tuition fee.  Not to mention our quarterly payment for the insurance. It is really hard managing monthly bills but there are things we can do to pay our bills on time. Save a portion of your income every 15th and 30th of the month and set one time bill payment schedule. This is to pay your bills on time and proficiently. 

Do not over spend and subscribe only to the services that you really need. If you can live without internet, then cut off your internet connection or if you only use your cell phones during emergencies, you can go for prepaid plans. But if cell phone became your standard expense and necessity, a cell phone plan of fixed monthly rate may be good. Well, monthly cell phone bills are sometimes disaster plus the prices and plans changed drastically so look for the best cell phone plans to avoid paying more than you need to for the service or visit Sprint to get unlimited text, unlimited web, and unlimited call services.

Conserve water and electricity to shrink down your bills. You can save too by paying your bills promptly. You can earn points from you credit cards and you can avoid late fees and interest charges.