Why you Should Read your Bills

Bills, bills, bills… When they arrive, it can be hard enough to look at the bottom-line… never mind wading through the charges.

BUT… if you don’t check your charges, you could end up paying for things you never bought. That could be the result of a thief stealing your information, or a merchant making an honest mistake.

Thieves don’t need your actual credit card in order to use it – just your card number and expiration date.

And other times, a store might accidentally charge your card several times. It’s a slip-up that’s easy to fix… IF you spot it.

So read your bill and be on the lookout for unexpected charges on your statement. And if your card is ever lost or stolen, call your credit card company immediately to report it.

Comment back- do you read your bills, or do you just pay the balance?

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Posted in: Bills , Save

5 Easy Ways you Can Save Money on Gas

Heard about the latest gizmos to improve your gas mileage?

Well… studies show they don’t deliver as promised… and some can even damage your car’s engine.

The latest gas saving gizmos don't deliver as promised, and may lead to you  spending more than  you save. But there are easy steps you can take to increase your gas mileage and stretch your gas dollars.

Here are five easy ways you CAN save money when it comes to your car:

1. Clean out your trunk. Don’t carry what you don’t need.

2.  Slow down. Every five miles per hour over 60 costs you a quarter extra for a gallon of gas.

3.  Go online to find the least expensive gas stations in your area

4.  Turn off your engine if you’re parked and waiting.

5.  Keep your tires inflated to the recommended level to get better gas mileage.

So, always check out offers that promise to lower your gas millage before spending your hard earn money.

Do you have any great tips for saving money on gas?

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Posted in: gas , Save , Saving , shopping

How to Save Money on Heating your Home

More than HALF our household energy costs go to heating? Energy efficiency isn’t just good for the environment, it means lower utility bills, too.

One way to reduce your energy waste is a home energy assessment. Your utility company can help – or you can learn how to do it yourself at EnergySavers.gov.

You’ll learn to look for air leaks around windows and doors, check ducts for holes and to improve your insulation.

Another time to cut energy costs is when you shop for a new appliance.  Look for the Energy Star logo and read the EnergyGuide label.

And there are day-to-day things you can do. Lower your thermostat in winter and raise it in the summer. Close fireplace dampers when they’re not in use. And keep air filters clean.

What tips do you use to save on your heating costs?

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Posted in: Bills , Save , Saving

How to Save on Groceries (Infographic)

Looking for ways to save money on groceries? Start by knowing when grocery stores are tricking you into spending more money than you intended, and adjust your shopping strategy accordingly.

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Posted in: frugal , groceries , personal finance , Save , shopping

25 Ways to Save Money

Here is an info graphic I found that could be instrumental in your commitment to save.  Of course not all these tips may apply to you, just go through and pick the ones you can implement in your life.  You gotta start somewhere:)
Happy Saving!!
Leave a comment below if you thinks these are helpful.

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Posted in: Save , Tip

Is it Ok to Have Nice Stuff?

Once you are out of debt, living on a budget and have money put away for emergencies, you will have extra money available and can start doing some fun things and buying nice stuff. It really comes down to, can you afford it? According to National radio show host and personal finace expert +Dave Ramsey, "If you live like no one else, later you can live like no one else." If you live on a budget, get out of debt, save and invest, you will eventually get to the point that you'll have the extra money to do things others can't afford to do. I love how +Rachel Cruze puts it in her youtube video.

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Posted in: budget , Investing , personal finance , Save

Have an Emergency Fund

Emergency expenses happen, and if you're charging them on a credit card, you can easily find yourself bound by debt and stress, especially if the emergency involves unexpected unemployment.

by Column Five Media.
Explore more infographics like this one on the web's largest information design community - Visually.

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Posted in: Emergency Fund , Save

The How, Why, and When for building your Savings (Infographic)

You may be asking yourself why is there so much pressure to save money. If you have enough to pay for everything you need, why should you worry about putting any aside each month? There are a variety of reasons to begin saving money now.  Check out this infographic on why you should be saving.

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Posted in: Save