Are you tired of making payments to your credit cards and don't see any changes? To pay off credit card debt easy and fast try the following:
1) Make a list of all credit cards and include the balance, interest payments and minimum payment. Then, call your credit card company and ask them to reduce the interest rate. If they say NO, initially try again next month and every month until they reduce it. If you had paid your bills on time and never incurred a late fee they usually reduce your interest rate. A reduction in your interest rate will help you pay off your credit cards quicker because more money will be going towards the principal now.
2) Make your payments weekly or bi-weekly. STOP paying your bill once a month. Making weekly payments is like making an extra payment. Bi-weekly payments is like making 13 monthly payments a year instead of 12 monthly payments.
3) Pay off your highest interest rate card first. Instead of paying off the lower balance card- pay off the card with the highest interest rate. This will save you money in the long run.
4) Stop spending NOW! You just have to stop spending money and use that extra money you spend to pay off your credit card debt. Instead of buying that coffee put that extra $5 towards paying off your debt.
5) Get a second job. You can baby sit, wash cars, house cleaning or wait tables. Let all your family, friends, neighbors and co-workers know you are looking for a second job.
6) Sell something you don't need or use. You can sell clothes, cameras, computers, etc on Ebay, Craigslist or have a garage sale.
Lastly, have faith that you can do it and make an effort to start today. Good luck!
Friday, August 31, 2012
Saturday, September 24, 2011
How to save on car expenses
If you own a car you know how expensive it is to own one. Unfortunately, cars are a necessity for most of us, especially for folks in California where public transportation is very unreliable and limited. However, just because a car is a necessary expense does not mean that there aren't ways to save on car expenses. Key ways to save on car expenses are as follows:
Get your car maintenance done regularly. If you get you need to change your oil every 5000 miles get in changed every 5,000 miles don't wait until it's 7,000 or 8000 miles. Get things like your air filter changed per the owners manual don't wait until is completely inoperable before changing it. If you take care of your car your car will last longer and so you won't need to be buying a new car every 5 years instead it can last 10 or more years. Also, learn how to change your car oil will save you lots of money as well.
Rotate and balance tires - Add more life to your cars tires by having them rotated and balanced every year especially if you drive your car daily. Tires wear out your shock absorbers leading to more expenses. So, rotate and balance tires yearly.
Shop around for cheaper insurance. Geico.com, 21st Century.com and Wanessa insurance I've found provides very affordable insurance. But, shop around in your area to find the cheapest rates. You'll be amazed at how much it saves you. Also, raise your deductible can help you save on insurance costs.
Shop around for cheaper gas. Go to online to sites like Gasbuddy.com and GasPriceWatchers.com and so forth to find cheaper gas before you go out and buy gas. Also, many credit cards have gas rebates you can use those only if you pay them off immediately. Also, some grocery stores like Ralph's are giving 10cents rebates to it's card holders. Go to your local grocery store website to see if they offer any such deals.
Wash your own car. Stop paying car washes to wash your car. Admit it they never do a good job anyway. Wash it yourself.
Find ways to online to save on car expenses. You would be amazed at how many ways you can save on car expenses.
Get your car maintenance done regularly. If you get you need to change your oil every 5000 miles get in changed every 5,000 miles don't wait until it's 7,000 or 8000 miles. Get things like your air filter changed per the owners manual don't wait until is completely inoperable before changing it. If you take care of your car your car will last longer and so you won't need to be buying a new car every 5 years instead it can last 10 or more years. Also, learn how to change your car oil will save you lots of money as well.
Rotate and balance tires - Add more life to your cars tires by having them rotated and balanced every year especially if you drive your car daily. Tires wear out your shock absorbers leading to more expenses. So, rotate and balance tires yearly.
Shop around for cheaper insurance. Geico.com, 21st Century.com and Wanessa insurance I've found provides very affordable insurance. But, shop around in your area to find the cheapest rates. You'll be amazed at how much it saves you. Also, raise your deductible can help you save on insurance costs.
Shop around for cheaper gas. Go to online to sites like Gasbuddy.com and GasPriceWatchers.com and so forth to find cheaper gas before you go out and buy gas. Also, many credit cards have gas rebates you can use those only if you pay them off immediately. Also, some grocery stores like Ralph's are giving 10cents rebates to it's card holders. Go to your local grocery store website to see if they offer any such deals.
Wash your own car. Stop paying car washes to wash your car. Admit it they never do a good job anyway. Wash it yourself.
Find ways to online to save on car expenses. You would be amazed at how many ways you can save on car expenses.
Save money while in school
Tuition, room and board is very costly. Many students are struggling to pay back student loans because they are unemployed or their current jobs do not pay well. While in school here are some ways to cut cost.
Rent Books - Never ever buy books. Rent them and shop around online for cheap book rental sites like: bookrenter.com, chegg.com, ecampus.com, etc.
Workstudy: Apply for work study when you do your FAFSA and find a job on campus at the library, cafeteria, departmental office, etc.
Scholarships: As your parents if their jobs offer scholarships to employees kids, go to Fastweb.com to search for scholarships. Contact local non profits and alumni associations and apply for scholarships.
Community College: Take some of your general education classes at local community college to save on tuition cost. In Los Angeles Area community colleges charge $20- $30 per unit which is lot cheaper than university costs.
Part-time job: If you can't get a work study job get a part time job like babysitting, housekeeping, catering, tutoring, etc. Go on craigslist.com, indeed.com or search online or the campus newspaper to find a job.
Rent Books - Never ever buy books. Rent them and shop around online for cheap book rental sites like: bookrenter.com, chegg.com, ecampus.com, etc.
Workstudy: Apply for work study when you do your FAFSA and find a job on campus at the library, cafeteria, departmental office, etc.
Scholarships: As your parents if their jobs offer scholarships to employees kids, go to Fastweb.com to search for scholarships. Contact local non profits and alumni associations and apply for scholarships.
Community College: Take some of your general education classes at local community college to save on tuition cost. In Los Angeles Area community colleges charge $20- $30 per unit which is lot cheaper than university costs.
Part-time job: If you can't get a work study job get a part time job like babysitting, housekeeping, catering, tutoring, etc. Go on craigslist.com, indeed.com or search online or the campus newspaper to find a job.
Easy Recipes under $5
A lot of people often find it hard to stop eating out. Instead they prefer to spend money on food when they can make it themselves and save a ton of money. Here is a recipe under $5.
Pecan crushed Tilapia with rice
1 lb of tilapia
1/2 cup of diced pecans
1 1/2 tbs flour
1egg
1 cup of rice
1 1/2 cups of water
Salt n Pepper to taste
2 tsp Butter
Combine pecan, flour and egg in food processor or blender. Set mixture aside. Season the tilapia with salt and pepper and dredge in pecan flour egg mixture. Heat frying pan with 1 tsp of butter and fry talapia 1-2 minutes on each side. Combine the rice, water, salt and remaining butter in medium sauce pan and let cook until rice is soft and tender.
Serves 2-3 cost $5
Pecan crushed Tilapia with rice
1 lb of tilapia
1/2 cup of diced pecans
1 1/2 tbs flour
1egg
1 cup of rice
1 1/2 cups of water
Salt n Pepper to taste
2 tsp Butter
Combine pecan, flour and egg in food processor or blender. Set mixture aside. Season the tilapia with salt and pepper and dredge in pecan flour egg mixture. Heat frying pan with 1 tsp of butter and fry talapia 1-2 minutes on each side. Combine the rice, water, salt and remaining butter in medium sauce pan and let cook until rice is soft and tender.
Serves 2-3 cost $5
Ways to save water
We waste a lot of water in the US. We need to find ways to conserve water before it is dried out. Water is needed for our livelihood so we must make it a priority. Besides conserving water also means lower water bills. Here's some ways how we can save on water:
Don't run the dishwasher or washing machine unless it's a full load! Get the most out of that water by making sure you really have a full load.
Don't flush the toilet every time you pee. Some people have a phobia about this, but the toilet is the #1 culprit of water waste in the home.
Consider upgrading to a dishwasher. Energy Star rated dishwashers are much cleaner and more efficient than hand washing.
Don't run the dishwasher or washing machine unless it's a full load! Get the most out of that water by making sure you really have a full load.
Water your grass/plants in the morning so the water doesn't evaporate right away.
Don't flush the toilet every time you pee. Some people have a phobia about this, but the toilet is the #1 culprit of water waste in the home.
Limit your shower time -- and your kids. Limiting your kids (and you) to ten minutes instead of 30 minutes will drastically slash your water bill.
Reconsider installing that new pool. n the average, pools use 18,000 - 20,000 gallons to fill it. Warm weather can evaporate several inches of water in dry climates each day, resulting in hundreds of lost gallons! Make sure your pool is completely sealed off and free of cracks and leaks to save this valuable water.
Calculate your water footprint to see how much water you waste. These results might get you motivated!
Don't use soaps that take extra water to rinse off. These chemical agents can be harmful to the human body. Opt for more earth friendly soap, cleaners and detergents.
Ways to Save on Gas
Admit it! Gas prices are way too high, today. Here are some ways to save on gas:
Shop Around - Before you buy gas shop around for cheap deals. Go to sites like GasBuddy.com or GasPriceWatch.com to compare prices of gas stations in your area.
Fill up when half full - The more gas you have in your car the less air there is in the tank and gasoline evaporates rapidly.
Fill up in the morning - Most gas stations have their in the ground so the cooler the temperature the denser the gas. Warmer gas expands so you get less gas.
Use low Octane gas - As long as your car manuel suggest that you can use low octane gas like the number 87 use it. Why pay more using buying premium gas.
Stop Speeding - Why are you in such a rush? Slowing down will save you a lot on gas.
Empty Car Trunk - A heavy car using a lot more gas than an empty one. Empty out all the junk you have sitting in the back of your car.
Inflate tires - MSN.com states that by inflating your tires to the proper tire pressure will save you 3.3% on gas mileage.
Shop Around - Before you buy gas shop around for cheap deals. Go to sites like GasBuddy.com or GasPriceWatch.com to compare prices of gas stations in your area.
Fill up when half full - The more gas you have in your car the less air there is in the tank and gasoline evaporates rapidly.
Fill up in the morning - Most gas stations have their in the ground so the cooler the temperature the denser the gas. Warmer gas expands so you get less gas.
Use low Octane gas - As long as your car manuel suggest that you can use low octane gas like the number 87 use it. Why pay more using buying premium gas.
Stop Speeding - Why are you in such a rush? Slowing down will save you a lot on gas.
Empty Car Trunk - A heavy car using a lot more gas than an empty one. Empty out all the junk you have sitting in the back of your car.
Inflate tires - MSN.com states that by inflating your tires to the proper tire pressure will save you 3.3% on gas mileage.
Affordable places to eat in Los Angeles
There are many affordable dining establishments in your area. You just need to do a search and also ask friends or co-workers for suggestions. Here's a list of common affordable places:
Inn & Out
Juicy Burger
El Pollo Loco
El Torito
Panda Express
Wing Stop
Roscoe Chicken and Waffles
Johnny's Pastrami
Mom's Tamales
Zankou Chicken
Quiznos
Just Google these places for addresses and locations.
Inn & Out
Juicy Burger
El Pollo Loco
El Torito
Panda Express
Wing Stop
Roscoe Chicken and Waffles
Johnny's Pastrami
Mom's Tamales
Zankou Chicken
Quiznos
Just Google these places for addresses and locations.
Subscribe to:
Posts (Atom)