Consolidate your student loans. Government consolidation programs combines all your student loans into one monthly payment, which ultimately provides a lower interest rate and may
Document short term, mid-term, and long term financial goals and put them in a place where you can easily see them everyday such as the
Pack food before you go on a road trip. Have everyone pack a sack lunch for the trip. That way, instead of stopping in the
Clean or replace your car’s air filter as necessary. A clean air filter can improve your gas mileage by up to 7%, saving you more
Install a programmable thermostat. Programmable thermostats regulate the temperature in your house automatically according to the schedule that you set. Thus, when you’re not home,
Save Money on Vacations. Check out the popular travel-destination Websites like frommers.com and fodors.com for excellent insider tips on how to get discounted rates at
Save Money on Prescriptions. Choosing a generic drug over a brand name can save you lots of money — depending on what you take, you
Save money on automobile maintenance by purchasing parts from auto junkyards. Finding replacement parts that will put your vehicle back on the road at a
Periodically donate to charity. Donating old or unused items to charity is a great public service to your fellow mankind. In addition to the public
Avoid Emotional Spending. Emotional spending occurs when you buy something you don’t need as a result of feeling stressed out, bored, under-appreciated, incompetent, unhappy, or
