Helpful hints to save time and/or money
9 years ago
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- 9 years agolast modified: 9 years ago
- 9 years ago
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Comments (1)Thank you....See MoreMemo to KT folks re: helpful hints and saving money
Comments (3)Thanks for the reminder o j. Your suggestion not only may help people save money but it is also good practice for anyone who is looking for a job. There was a career counselor on tv last week who said more jobs are found through friends and other contacts than through want ads, job fairs or online channels....See MoreTime saving hint
Comments (13)I spent some time researching the online banking thing. I was a bit surprised. My sister signed up and has been using it without charge (although they tried to and there were some battles). Never thought about the charge to STOP using it! Well going through all the fine print and the agreements, and the part where the $2.95/mo fee is waived, yadda, yadda, well what did I notice? In order to do online bill paying your online account would be automatically upgraded to the "premier" online account and the $2.95/mo fee would be waived for as long as you use the online bill paying. If you stop, well, they didn't say there was any way to get it put back to the free online account. So I decided to stick with the normal, totally free online account where I could check statements and account balances, and keep paying the bills as I have been. Then I went to Qwest and did some more digging. Now they allow payments without a fee. Apparently I could even put it onto my credit card to get cashback! Not totally sure about that but I'm going to check it out. Now I don't have to prepay many months which bothered me since you have to prepay your phone bill anyway which bothers me. So lexi7, another BIG THANK YOU for that tip! People should check into that if they're interested. Although in reality I would likely keep paying it through them anyway, which means it likely wouldn't impact me, I just don't like the sneaky way it's set up. I'm going to continue to pay it through the companies....See More28 Tips To Save Money
Comments (5)On #s 15 & 16, I think it's important to point out that often the alternative to refi and the like is simply pay down the principle! Especially if you're early in the mortgage, every nickel you pay toward the principle means the balance of the loan's interest on that nickel goes into your pocket. Ol' Joyful, I'll need some of your expertise here, but could you figure a rough calculation of an average type house loan, average refi costs applied to the current loan and how that would compare in the end? I think it'd be interesting. Also, said before, but often people think they "need" a new car and don't consider if they put some money into the old one, it'd save in the long run. Remember, new cars have higher insurance and license costs so there's more than the initial price to consider. I would take a bit of issue too with the convenience store avoidance. You could actually save money if wise. Often, convenience stores sell eggs, milk, bread etc at very low prices, often far less than the markets. Plus it's not a special trip, saves time plus there can be (tho not guaranteed - it's up to you) fewer impulse buys. The longer you're in the grocery store, stats say you'll spend more. Again, it's how savvy you are, but be careful. #18 (Shudder) Buyer's Brokers are seldom a good thing. Let's face facts, no real estate agent/realtor or the like works FOR the buyer! Who pays them? The seller. How do they get paid more? By "benefitting" the seller. There's no way the buyer benefits from realtors. The fewer the better in most cases. Why? Because you can often negotiate the realtor fees. If you have one realtor taking the entire commission, it's far easier to negotiate them down than to negotiate with multiple agents and try to negotiate down when they're getting 1/4 or less of the commission. Beware of this statement and check into these claims. You're far better off to have a good real estate attorney on your side. S/He'll be working for YOUR benefit. Mine found problems in the paperwork and embarrassed the daylights out of the stack of realtors, closers and the like at my closing! It was hilarious! Now as for the inspector, yes, that can be worthwhile, but don't use one recommended by the realtor (kickbacks) and make sure you know what they're inspecting, their qualifications and the like. A good alternative can be a trusted friend with qualifications. Hire like any professional. Realize, though, that the inspectors DO NOT GUARANTEE the house! So if they overlook something, it's not their fault or responsibility and they won't be doing anything for you so know what you're getting. A title examination, especially of abstract properties, can be very important especially if you don't know how to read an abstract. Torrens is less problematic. Buying a home brings up a pandora's box of potential problems and far too many to go into here, but there's some things to be careful of. #21 Consumer Reports is a pet peeve of mine. They're often very biased in their reporting. Plus, keep in mind that they do not "test" ALL models and versions, even of similar products! Do you realize that the washer you buy at Home Depot is different than the one you buy at Best Buy and they're both different than the one you buy from a mom-n-pop dealer? That can have significant differences in the specs and needs. One can have cycles and features the other doesn't. Don't get caught up in the CR myth. Read their magazine with a shaker full of salt and do far more research than CR. You'll be doing yourself a favor. That's enough for now. There's more opinions coming, I'm sure! :) Happy saving all! Enjoy the frugal season!...See More- 9 years ago
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