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My Weekly Real Estate E-letters
| These are my weekly email e-letters. You may click on the title of the e-letter to be carried directed to that e-letter. I will be archiving old copies of the e-letters on this page. Click on Weekly Real Estate Email E-letter to sign up to receive the e-letter directly in your email box. The e-letter will contain real estate tips and tips in general for around the home.
| Weekly Real Estate E-lettersWeekly Real Estate E-letter(4-27-09) How to Save Money in Your Personal Finance Tips 16-20
Weekly Real Estate E-letter(4-20-09) How to Save Money in Your Personal Finance Tips 11-15
Weekly Real Estate E-letter(4-13-09) How to Save Money in Your personal Finance Tips 6-10
Weekly Real Estate E-letter(4-6-09) How to Save Money in Your Personal Finance Tips 1-5
Click here to read March Tips
Click here to read February Tips
Click here to read January Tips
Click here to read December Tips
Click here to read November Tips
Click here to read October Tips
| | | 16. Don't pay for theft insurance on your credit card. If your credit card is stolen, you're liable for only $50 at most.
17. Avoid credit card fees. Dodge $39-and-growing penalties by not exceeding your credit limit. And send your payments in early -- if you're five minutes late it could cost you $29 or more.
18. Pay more than the minimum on credit cards. It'll take a very long time and cost you a lot in interest to pay off your balance if you only pay the minimum.
19. Don't be late on any loan or credit account payment. Credit card companies check their customers' credit reports frequently, looking for any late payments to justify raising the interest rate -- a phenomenon called universal default. In some cases, triggering a universal default can double your credit card's interest rate.
20. Negotiate better terms -- lower interest and higher limits -- with your credit card issuer, especially if you've had a year of on-time payments.
| | | 11. To avoid ATM fees, get cash at grocery stores, where most point-of-sale terminals are free.
12. Think before you charge. Unless you're in the habit of paying your credit card bill in full each month, don't use the cards for anything you can eat or wear, and avoid using credit cards to buy wants such as a new stereo or TV. Wait until you have the money to buy it.
13. If you're knee-deep in credit card debt, get rid of all of your cards but one. Take that one and make it hard to impulse shop with -- freeze it in a bowl of water in your freezer.
14. Don't take cash out of your credit card. The rate for cash advances is much higher. And there is no grace period -- you start paying interest right away.
15. Read your monthly credit card statements carefully. Look out for hidden charges, such as credit insurance.
| | | 6. Involve the whole family in saving. Plan a treat for everyone when you reach the savings goal. Make it something everyone will look forward to but is inexpensive, such as a day at the zoo, museum or beach.
7. Some online banks offer high-interest checking accounts. If these accounts meet your needs when it comes to balance requirements, debit card usage and convenience, why not earn interest on your balance?
8. Stay up to date on your checking balance, either by balancing your checkbook or checking your account online frequently. You'll avoid overdraft fees and better track what goes in and out.
9. If you bounce a check and it's the first time, ask for forgiveness, including waiver of any fees. A bank will sometimes do that for goodwill. Of course, don't become a repeat offender.
10. Make it a habit to use only your bank, thrift or credit union's ATMs. You'll avoid paying surcharge fees to your bank and the other bank. Or consider opening an account with an online bank or brokerage that covers out-of-network ATM fees. | | | 1. Start saving something today. If you're on a tight budget, it doesn't have to be a large sum -- a small amount adds up over time. Get an envelope, cookie jar, coffee can or whatever you like and set aside the same amount every week. The trick: Don't count it, don't spend it!
2. Treat saving as a bill. Consider having the amount transferred automatically from your checking account or paycheck. Pay your account every month or every two weeks.
3. Empty your pockets or your purse at the end of the day. Put all the change into a jar. Not only will you feel lighter, your spare change will add up a lot faster than you think.
4. Just paid off a big debt such as a car loan or a child's tuition? Keep making the payments -- this time to yourself.
5. Trying to lose weight this season? Each time you go without dessert, that midafternoon candy bar break or that fatty mochaccino at the coffee shop, put the cost of your forgone goody into your savings jar.
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