Couples and Cents

Need help finding ways to save money? Here are some tips.

1. Adjust your taxes - If you find that you are getting a tax refund every year, then you are paying too much taxes. Don’t give the government a free loan. Hang on to your money throughout the year and invest it in short-term savings.
2. Use your 401k. Most 401k’s will match your contribution up to a certain amount. Its free money, and your 401k contributions are tax deductible.
3. Raise your car insurance deductible.
4. Pay off your credit card - You will never earn enough interest in savings to compensate for interest paid on credit cards.
5. Use credit card rewards - but be careful. Carrying a balance will eliminate any benefit you receive from credit card rewards. Pay it off each month.
6. Take you lunch to work everyday.
7. Take advantage of bundles with your phone, tv, and Internet bill.
8. Track your spending - This is the only way to really know where your money is going.
9. Use the public library for books and dvd’s.
10. Cut down your energy usage. Get a programmable thermostat and turn off appliances when they are not in use. Carpool to work or use public transportation.

20 Small Ways to Save Big - Kiplinger.com