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How to save money in 6
easy steps
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DontSpendMore.com
1. How to save money on credit cards. Transferring balances, if your current credit card providers are charging you high interest rates, would be a good start. There are plenty of other credit card providers that will offer you a 0% introductory APR (for a limited time). Hunt them down; now may be the time to transfer your high interest balances to low APR credit cards. You may also want to read our article on balance transfers as it provides some useful information on this topic.
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2. How to save money on mortgages. On a high mortgage? Refinancing your home loan may be a good option to save several hundred dollars every month. But don't rush into researching refinancing options yet. Closing costs may sometimes offset the savings and at times may even cost you more money. "Careful research" is the name of the game. Obtaining quotes from multiple providers would be a good first step to moving in this direction. Start with a list of criteria you will use to evaluate options and then research loan providers based on those criteria. As you research different vendors, you may want to modify/improve your list of criteria -- an inevitable step as you learn more.
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3. How to save money on long distance bills and cell phones. Several long distance providers offer unlimited calling options. Switching your phone line to a different provider may save you upwards of $200 every year. New legislation allows you to switch cell phone providers, without losing your phone number. Discretion must be used and a careful review of hidden costs must be conducted in order to reap the benefits of a switch. Always read the fine print.
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4. How save money on Internet access. With increased competition, Internet access providers -- broadband (DSL, cable) and dial-up -- are offering better and savvier deals to consumers. Once you have decided about whether using Dial-up or DSL would be a better option, research Internet access providers in your area.
Click here to find out how to save money on Internet access
5. How to spend money on insurance. Insurance is often the biggest component of recurring bills. With more and more consumers spending money on different categories of insurance, insurance costs can often be the biggest hitter. While it is important to save on insurance, it is also very important to ensure you are getting adequate coverage.
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6. How to save money on loans. Need a loan? The best strategy would be to avoid getting into loans altogether; however, if you are paying very high interest on loans, it wouldn't be a bad idea to look for options.
Click here to find out how to save money on loans
While comparing different offers, it is important to check with state government agencies. Don't rely on price along. Recommendations from friends, ratings, and several other important criteria must be taken into consideration before arriving at a conclusion. Don't base your decision on price alone. Being financially stable and debt free is a great feeling and we want you to experience it.
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