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Ways to Spend Less




 
Man Budgeting
Creating a Budget
This site explains how to create a budget, establish an automatic savings plan, and how to choose a Financial Planner.
www.financialplan.about.com/od/budgetingyourmoney/ht/createbudget.html
This site is Kiplinger's Best Budgeting Site. It offers free personal finance software, online money management, a budget planner, and financial planning information.
www.mint.com
 
Money and Personal Finance Blog
This blog originating from Silicon Valley offers updated information and articles regarding all aspects of personal finance.
thedigeratilife.com
 
Cheaper Gas
This is one of many sites giving information about buying cheaper gas.
www.gasprices.mapquest.com/index.jsp
 
Lower Utility Bills
This site offers suggestions of how to reduce utility bills.
www.stretcher.com/stories/03/03jan20a.cfm/
 
Reduce Your Mortgage Rate
This site offers information relating to reducing mortgages rates.
http://ezinearticles.com/?Easy-Steps-to-a-Free-Loan-Modification&id=1954984
 
Renegotiate a Car Loan
This site suggests contacting lenders to see if they are willing to renegotiate the terms of a car loan.
http://www.bankrate.com/brm/rate/auto_home.asp
 
Renegotiate a Lease
If the person who owns your building bought it recently, they may have to have the amount of money you promised in order to pay their mortgage, insurance and taxes. If the owner of your building has owned it for awhile, they may be subject to rent control and, again, they may need the income you’ve signed up to pay. On the other hand, it is costly to advertise an apartment for rent and an empty unit is very frightening. A long term lease might make your landlord more comfortable.
www.ehow.com/how_2054974_renegotiate-lease.html
 
Restructure Debt
Restructuring your debt can have advantages and disadvantages. It is complex and time consuming, but it can be done. Read this article and see if you think you can do it yourself. If not, it steers you to a credit counselor.
www.bankrate.com/brm/news/cc/20031007a1.asp
 
Help with Credit
This site provides information and resources to assist customers struggling to make their credit card payments.
www.helpwithmycredit.org
 
Cell Phone Plans
This site reviews the advantages and costs of various Cell Phone Plans.
www.consumersearch.com/cell-phone-plans
 
Coupons
This site allows users to print free coupons for popular name brand products and find money saving offers.
www.coupons.com

This site offers free online coupons, coupon codes and promotional discounts for savings with online retailers. It has special sections for free shipping and clearance centers.

www.couponcabin.com
 
Where Your Money Goes
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