Nothing says I hate my life like shopping for holiday gifts at the last minute. Last year I vowed to NEVER find myself in a line that snakes all the way to the back of the store, to buy over priced crap because I'm in a last-minute-pinch. So I made a plan. A really good plan to not only save time, but money too! Here are my best 10 tips to save BIG on holiday shopping... and not find yourself crying in a mile long line holding overpriced junk.
Before I get started, I need you to repeat after me...
I will not pay full price this holiday season
1. Plan ahead. Everyone's been naughty, just make the list already! Probably the biggest mistake I make is heading to the stores with a loose list of people to shop for, and a vague idea of what I want to get them. Nothing says FAIL faster! Make a list of anyone and everyone you may want/need to buy gifts for, then add your vague gift ideas... maybe even go so far as to just come out and ask them what they want. Then use this as your master list. Stick to it, and when that person has been taken care of, write down what you got them, and cross them off the list.
2. This is not about you! I am so bad about shopping for myself during the holidays. So bad. As much I am a huge fan of retail therapy, there are two major flaws with this:
1. My holiday shopping time and budget is limited.
2. The post holiday clearance sales in January are way better.
It's best to leave yourself out of the equation until after the holidays. Plus, won't it feel so much better trading in Auntie Nell's ugly sweater for the one you've had your eye on since the holidays... that's now half price!?
3. Leave the distractions at home. When possible, avoid taking your child(ren) with you. Even if this means trading all of your lunch breaks until January. Brown bag it and shop in peace. We all know, kids not only complicate the mission, they can make it costly needing extras... and don't forget the chance for meltdowns and diaper blowouts.
4. Price shop from home. There are way too many apps and websites available today to not to compare prices, both online and in stores. Pull out the list you made and start going through it before you start shopping. Write down where the best deal is, then check your list once finished for stores or websites that overlap. This can save you a bundle on shipping and time. Between the coupon apps and the compare-and-save apps, there is no reason to pay full price anymore.
Example: I needed a big ticket item from a big box hardware store. I went to their website, found what I wanted, then searched for a coupon code. I was able to save 20% at checkout with a coupon code I found on RetailMeNot.com. What made the deal even sweeter was that I opted for in-store pickup. This was fast, seamless and saved me time and money. DO THIS!!!
5. Crowd-Sourced Deals. There is a new trend going on where websites are crowdsourcing for cheaper deals. Basically, if 10 people show interest in an item, then the website reaches out directly to the manufacturer for a bulk buy rate, then passes the deal on. Look for theses deals on those big ticket items.
6. Coupon like a crazy person. Coupons are everywhere these days, don't buy without them! Don't just rely on coupon specific websites and apps, check the website for the store you are heading to. Many are offering in-store coupons.
7. Don't discount the discount sites. Websites like Amazon, Groupon, Zulily, Overstock, Wayfarer... all will be fighting for attention this season, so capitalize on it! Most are even offering free shipping on the smallest orders. I have each bookmarked this time of year to check quickly for steals on things on my list.
8. Shop Secondhand. What does every parent have in common at 2am on Christmas Eve/Hanukkah? They're putting together toys. So, if you are going to give your child a fully assembled toy anyway, why not just buy it secondhand, shine it up and slap a bow on it? Secondhand children's stores and higher end consignment shops have incredible deals on gently used items.
9. Hit up Pinterest and get crafty. Make something for the person that has everything. Every year I knit hats and scarves for family and friends. They all look forward to them now; some even put in orders for specific colors.
10. Regift it! Before you do any of the things on this list, grab a box and walk around your house filling it with crap you don't want anymore. Remember, your crap is another person's treasure. Somehow. Once you have filled the box, sit down and decide which friend/family member or what holiday party's Secret Santa you can gift the goods to.
29 Ways You Waste Cash
29. Impulse Buys(01 of29)
Who doesn't know that impulse purchases are a bad idea? I've even realized it was a bad idea as I was doing it. So here are three quick tips: 1. Make a shopping list. Take it with you and stick to it. 2. Eat beforehand. An empty stomach can doom the most prepared shopper, especially at the supermarket. 3. Shop alone. Bringing children (or a significant other who acts like a child) is a sure way to fill your cart with impulse buys. (credit:<a href="http://www.flickr.com/" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="94" data-vars-position-in-unit="94">Flickr:</a><a href="http://www.flickr.com/people/lrargerich/" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" lrargerich" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/lrargerich/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="95" data-vars-position-in-unit="95"> lrargerich</a>)
28. Buying Online Without Comparison Shopping(02 of29)
When you shop online, there are hundreds of sites competing for your business. Buy those shoes at the first site you go to and you may be wasting money. Compare the purchase and shipping price at three or more sites before you buy anything. (credit:<a href="http://www.flickr.com/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="92" data-vars-position-in-unit="92">Flickr:</a><a href="http://www.flickr.com/people/theogeo/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" theogeo" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/theogeo/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="93" data-vars-position-in-unit="93"> theogeo</a>)
27. Paying For Protection You Don't Need(03 of29)
While you need to protect some things in your life - like your car or your house - you don't need to insure everything. Check out 8 Types of Protection Not Worth Paying For and see what you can live without. (credit:<a href="http://www.flickr.com/" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="90" data-vars-position-in-unit="90">Flickr:</a><a href="http://www.flickr.com/people/jbcurio/" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" jbcurio" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/jbcurio/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="91" data-vars-position-in-unit="91"> jbcurio</a>)
26. Being Disorganized(04 of29)
Being disorganized about your finances leads to costly late payment fees and overdraft charges. You can easily rack up hundreds in fees. For example, even a single $25 late fee per month will cost $300 extra a year. Set up bill reminders and keep your checkbook balanced. (credit:<a href="http://www.flickr.com/" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="87" data-vars-position-in-unit="87">Flickr:</a><a href="http://www.flickr.com/people/alismith44/" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" aliwest44" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/alismith44/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="88" data-vars-position-in-unit="88"> aliwest44</a>)
25. Expensive Cell Phone Plans(05 of29)
Consumer Reports says the average person spends $600 a year on wireless service. But many people pay for services they never use. For example, I had an $85 unlimited plan and rarely used more than 1,000 minutes a month. So I switched to a cheaper 1,000-minute plan and saved $20 a month. (credit:<a href="http://www.flickr.com/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="85" data-vars-position-in-unit="85">Flickr:</a><a href="http://www.flickr.com/people/ivyfield/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" Yutaka Tsutano" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/ivyfield/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="86" data-vars-position-in-unit="86"> Yutaka Tsutano</a>)
24. Not Using Coupons(06 of29)
Now that coupons are available online, you're wasting money if you're not using them. Do a quick coupon search before you buy anything, including clothes, groceries, and electronics. You can find coupons on our deals page or on sites like: RetailMeNot, Redplum, and SmartSource.com. (credit:<a href="http://www.flickr.com/" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="82" data-vars-position-in-unit="82">Flickr:</a><a href="http://www.flickr.com/people/pleeker/" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" Matt McGee" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/pleeker/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="83" data-vars-position-in-unit="83"> Matt McGee</a>)
23. Oil Changes(07 of29)
Cars don't need oil changes as frequently as they used to. If you're getting your oil changed every 3,000 miles, you're probably doing it too often (and wasting money). Follow the recommended mileage in your owner's manual. (credit:<a href="http://www.flickr.com/" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="76" data-vars-position-in-unit="76">Flickr:</a><a href="http://www.flickr.com/people/rstinnett/" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" robertstinnett" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/rstinnett/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="77" data-vars-position-in-unit="77"> robertstinnett</a>)
22. Premium Fuel(08 of29)
Unless your car requires premium fuel, you don't need it. Buying premium isn't going to extend the life of your car or give you a significant MPG boost. In fact, Edmunds studied cars built from 2008 to 2012 and found that many models didn't even need premium fuel - even though the manufacturer recommended it. Here's what they had to say about it:
In today's automobiles, advances in engine technology mean that even if the owner's manual recommends premium gasoline, the car will typically run on regular without knocking. Its performance will suffer only slightly: Perhaps it might be a half-second slower from zero to 60 mph. The key for drivers is to know whether premium gasoline is merely recommended or if it's required.Edmunds has a list of cars that need premium fuel (and a list of those that don't) in To Save Money on Gas, Stop Buying Premium. (credit:<a href="http://www.flickr.com/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="74" data-vars-position-in-unit="74">Flickr:</a><a href="http://www.flickr.com/people/33954075@N07/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" pscf11" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/33954075@N07/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="75" data-vars-position-in-unit="75"> pscf11</a>)
21. Not Taking Advantage Of A 401(K) Company Match(09 of29)
Many companies will match an employee's 401(k) contribution up to a certain percent. If you're not contributing enough to meet the maximum match, you're losing out on free money. Ask your HR department for information on your company match. (credit:<a href="http://www.flickr.com/" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="71" data-vars-position-in-unit="71">Flickr:</a><a href="http://www.flickr.com/people/urban_data/" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" urban_data" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/urban_data/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="72" data-vars-position-in-unit="72"> urban_data</a>)
20. Bill Pay Convenience Fees(10 of29)
Some online or over-the-phone bill payment services come with fees. For example, my electric company charges $2.95 to pay online through their website. Instead, I use free bill pay through my bank. I still get to pay online, but I skip the fee and save $35.40 a year. (credit:<a href="http://www.flickr.com/" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="69" data-vars-position-in-unit="69">Flickr:</a><a href="http://www.flickr.com/people/kalleboo/" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" kalleboo" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/kalleboo/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="70" data-vars-position-in-unit="70"> kalleboo</a>)
19. Hotel Fees(11 of29)
In many hotels, you'll pay automatic fees on top of your room price. Just paying those fees without finding an alternative (or fighting them) is a waste of money. Check out 7 Tips to Beat Hotel Fees. (credit:<a href="http://www.flickr.com/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="67" data-vars-position-in-unit="67">Flickr:</a><a href="http://www.flickr.com/people/12394349@N06/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" Bryn Pinzgauer" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/12394349@N06/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="68" data-vars-position-in-unit="68"> Bryn Pinzgauer</a>)
18. Paying For Services You Don't Use(12 of29)
Automatic withdrawals make us lazy with our money. If you're paying for something each month - like a gym membership, magazine subscription, or streaming service - make sure you use it, or those charges will add up to wasted cash. For example, here are mine:
1. Gym membership - $29.99 per month
2. Netflix subscription - $9.99 per month
3. Popular Mechanics subscription - $1 per month
That's more than $40 a month. I make sure I get my money's worth out of them. (credit:<a href="http://www.flickr.com/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="64" data-vars-position-in-unit="64">Flickr:</a><a href="http://www.flickr.com/people/asiaticleague/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" Asiatic League" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/asiaticleague/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="65" data-vars-position-in-unit="65"> Asiatic League</a>)
1. Gym membership - $29.99 per month
2. Netflix subscription - $9.99 per month
3. Popular Mechanics subscription - $1 per month
That's more than $40 a month. I make sure I get my money's worth out of them. (credit:<a href="http://www.flickr.com/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="64" data-vars-position-in-unit="64">Flickr:</a><a href="http://www.flickr.com/people/asiaticleague/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" Asiatic League" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/asiaticleague/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="65" data-vars-position-in-unit="65"> Asiatic League</a>)
17. Ignoring Your Insurance(13 of29)
Becoming complacent about your insurance can cost you money. Stacy recommends shopping around for new insurance once a year - because when premiums drop or new, cheaper policies are available, no one's going to tell you if you don't ask. Check out our insurance comparison tool to shop for a better rate. (credit:<a href="http://www.flickr.com/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="62" data-vars-position-in-unit="62">Flickr:</a><a href="http://www.flickr.com/people/comedynose/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" comedy_nose" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/comedynose/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="63" data-vars-position-in-unit="63"> comedy_nose</a>)
16. Wasting Utilities(14 of29)
Growing up, I got several lectures on leaving the lights on or keeping the front door open and "air conditioning the entire neighborhood." I didn't care too much then because I didn't pay the bill, but now I'm strict with my electricity usage. The result: My summer utility bills rarely top $100. If you've got lights on in a room you're not sitting in, you're wasting money. (credit:<a href="http://www.flickr.com/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="60" data-vars-position-in-unit="60">Flickr:</a><a href="http://www.flickr.com/people/emdot/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" emdot" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/emdot/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="61" data-vars-position-in-unit="61"> emdot</a>)
15. Dining Out(15 of29)
I like to have a nice meal out every once in a while, but I've wasted a ton of money eating fast food I didn't really want because I didn't plan ahead. If I hit the drive-thru twice a week, I spend $12 on average. That is $48 a month - or enough for a really nice meal I actually wanted.
In 30 Tips to Save Money on Food, I've got a few ideas that will keep you out of the drive-thru lane - like keeping snacks on hand, freezing your leftovers to eat later, and planning your trips to the grocery store so that you always have something at home to eat. Check it out. (credit:<a href="http://www.flickr.com/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="58" data-vars-position-in-unit="58">Flickr:</a><a href="http://www.flickr.com/people/tracyhunter/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" Tracy Hunter" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/tracyhunter/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="59" data-vars-position-in-unit="59"> Tracy Hunter</a>)
In 30 Tips to Save Money on Food, I've got a few ideas that will keep you out of the drive-thru lane - like keeping snacks on hand, freezing your leftovers to eat later, and planning your trips to the grocery store so that you always have something at home to eat. Check it out. (credit:<a href="http://www.flickr.com/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="58" data-vars-position-in-unit="58">Flickr:</a><a href="http://www.flickr.com/people/tracyhunter/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" Tracy Hunter" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/tracyhunter/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="59" data-vars-position-in-unit="59"> Tracy Hunter</a>)
14. Morning Lattes(16 of29)
In my area, a Grande Caramel Macchiato costs $4.55. Buy one every weekday and you'll spend $22.75 a week, $91 a month, and $1,092 a year. By comparison, a 16 ounce bag of coffee costs me $5.99 and I can make about 82 cups per bag. That is 7 cents per cup, a savings of $4.48 a day. Make your coffee at home and skip the fancy coffee-house drinks. (credit:<a href="http://www.flickr.com/" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="55" data-vars-position-in-unit="55">Flickr:</a><a href="http://www.flickr.com/people/kansirnet/" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" Kansir" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/kansirnet/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="56" data-vars-position-in-unit="56"> Kansir</a>)
13. Buying Software(17 of29)
Many popular software programs have free alternatives that are just as good as the paid versions. For example, the free OpenOffice suite includes word processing software. Pixlr offers free online photo editing with both vintage effects and a basic editor. For more advanced editing, use free software like Gimp. (credit:<a href="http://www.flickr.com/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="53" data-vars-position-in-unit="53">Flickr:</a><a href="http://www.flickr.com/people/striatic/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" striatic" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/striatic/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="54" data-vars-position-in-unit="54"> striatic</a>)
12. Long-Distance Calls(18 of29)
Most wireless plans include free long distance. If you call during off-peak hours, you won't use your minutes, either. You can also make long-distance calls over your Internet connection with Skype and Google Voice - both services offer free state-to-state calls. International calls cost 2 to 15 cents per minute through Google Voice. Check out their rate plans here. Skype ranges from 2 to 23 cents per minute. Check out Skype's rate plans here. (credit:<a href="http://www.flickr.com/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="48" data-vars-position-in-unit="48">Flickr:</a><a href="http://www.flickr.com/people/kiwanja/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" kiwanja" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/kiwanja/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="49" data-vars-position-in-unit="49"> kiwanja</a>)
11. Baggage On Airlines(19 of29)
You'll pay up to $35 to check your luggage when you fly. Some airlines - like JetBlue and Southwest - don't charge extra for baggage, but most do. Check Airfarewatchdog's Airline Baggage Fees Chart before you book. If you're getting charged, only bring a carry-on (they're free) or find a better airline. (credit:<a href="http://www.flickr.com/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="42" data-vars-position-in-unit="42">Flickr:</a><a href="http://www.flickr.com/people/betsyweber/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" betsyweber" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/betsyweber/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="43" data-vars-position-in-unit="43"> betsyweber</a>)
10. Full-Priced College Degrees(20 of29)
Between 2009 and 2010, full-time students spent an average of $17,464 on tuition, room, and board, according to the National Center for Education Statistics. But you can get a college degree cheaper (or even free) with scholarships. There are thousands out there. Check out 5 Ways to Score Scholarship Money. (credit:<a href="http://www.flickr.com/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="39" data-vars-position-in-unit="39">Flickr:</a><a href="http://www.flickr.com/people/billselak/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" billaday" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/billselak/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="40" data-vars-position-in-unit="40"> billaday</a>)
9. Credit Reports(21 of29)
By law, the three major credit bureaus have to give you a free copy of your credit report once per year. Don't buy one until you've used up your freebies at AnnualCreditReport.com.
Once you order your free credit reports, dispute any errors you find with the credit bureaus. Errors lower your credit score, and a lower credit score means higher interest rates and wasted money. Check out 18 Tips to Give Your Credit Score a Boost for more ways to improve your score (and your interest rate). (credit:https://www.annualcreditreport.com/cra/index.jsp)
Once you order your free credit reports, dispute any errors you find with the credit bureaus. Errors lower your credit score, and a lower credit score means higher interest rates and wasted money. Check out 18 Tips to Give Your Credit Score a Boost for more ways to improve your score (and your interest rate). (credit:https://www.annualcreditreport.com/cra/index.jsp)
8. Buying Books(22 of29)
I'm an avid reader, but I haven't paid the suggested price in years. There are plenty of free or cheaper options for getting new books:
1. Get them from the library for free.
2. Use a book-swapping service to trade books you no longer want for ones you do. Check out the 4 Best Sites for Trading in Your Old Books.
3. Scour garage sales for books. I've bought many hardcovers for $1 this way. Check out 10 Ways to Save Time and Money at Garage Sales for shopping tips. (credit:<a href="http://www.flickr.com/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="32" data-vars-position-in-unit="32">Flickr:</a><a href="http://www.flickr.com/people/r0sss/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" r0sss" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/r0sss/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="33" data-vars-position-in-unit="33"> r0sss</a>)
1. Get them from the library for free.
2. Use a book-swapping service to trade books you no longer want for ones you do. Check out the 4 Best Sites for Trading in Your Old Books.
3. Scour garage sales for books. I've bought many hardcovers for $1 this way. Check out 10 Ways to Save Time and Money at Garage Sales for shopping tips. (credit:<a href="http://www.flickr.com/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="32" data-vars-position-in-unit="32">Flickr:</a><a href="http://www.flickr.com/people/r0sss/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" r0sss" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/r0sss/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="33" data-vars-position-in-unit="33"> r0sss</a>)
7. Brand Names(23 of29)
Some brand names are worth paying a little more for, but in many cases, the cheaper generics are the same quality as the brand names. For example, basic food stocks like rice, sugar, flour, and butter taste the same no matter what the label says. And generic over-the-counter meds? They work just as well as the name brands. Check out 7 Things You Should Always Buy Generic before you buy anything else with a brand name. (credit:<a href="http://www.flickr.com/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="28" data-vars-position-in-unit="28">Flickr:</a><a href="http://www.flickr.com/people/fauxto_dkp/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" fauxto_digit" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/fauxto_dkp/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="29" data-vars-position-in-unit="29"> fauxto_digit</a>)
6. 411 Calls(24 of29)
Use the search feature on your smartphone - connect to a WiFi network and you won't use your data - or dial free 411 (1-800-Free411.) The results are sponsored by companies, and you'll have to listen to a 10-second ad, but it's free. (credit:<a href="http://www.flickr.com/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="25" data-vars-position-in-unit="25">Flickr:</a><a href="http://www.flickr.com/people/featheredtar/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" FeatheredTar" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/featheredtar/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="26" data-vars-position-in-unit="26"> FeatheredTar</a>)
5. ATM Fees(25 of29)
My bank charged a $2.50 "convenience fee" for using an ATM that's not in its network. Convenient for who? I didn't live by a branch, so I was paying around $130 a year to use my own money. I changed banks, and now I use an app - ATM Hunter - to find a branch ATM. (credit:<a href="http://www.flickr.com/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="22" data-vars-position-in-unit="22">Flickr:</a><a href="http://www.flickr.com/people/redspotted/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" redspotted" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/redspotted/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="23" data-vars-position-in-unit="23"> redspotted</a>)
4. Credit Card Interest(26 of29)
If you're not paying your credit card balance off in full each month, you're wasting money on interest. If you carry a $1,000 balance on a card that charges 18 percent, you'll waste $180 every year just on interest. If you can't pay off your credit card, check out our credit card comparison tool and look for a card with a lower interest rate. Also look for money-saving zero-percent transfer offers. (credit:<a href="http://www.flickr.com/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="19" data-vars-position-in-unit="19">Flickr:</a><a href="http://www.flickr.com/people/59937401@N07/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" Images_of_Money" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/59937401@N07/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="20" data-vars-position-in-unit="20"> Images_of_Money</a>)
3. Bottled Water(27 of29)
A 16-ounce bottle of water costs about $1.50 at my local gas station. Buy a bottle of water five days a week, and you'll spend $30 a month and $360 a year. While it's not really free, water from your tap is much cheaper. If you hate the taste - and I do - you can buy a water-filtration system for as little as $20. Check out Consumer Reports' Water filters: green buying guide 2/12. (credit:<a href="http://www.flickr.com/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="15" data-vars-position-in-unit="15">Flickr:</a><a href="http://www.flickr.com/people/stevendepolo/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" stevendepolo" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/stevendepolo/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="16" data-vars-position-in-unit="16"> stevendepolo</a>)
2. Checking Accounts(28 of29)
Big banks charge an average of $110 a year for checking accounts if customers don't meet their minimum requirements, U.S. News & World Report recently revealed. Your options?
Move your money to a community bank that will offer better terms, or head to a credit union. The National Credit Union Administration has a Credit Union Locator tool to help you find one in your area.
For those comfortable enough with the tech, consider going to an online-only bank. Without the overhead of brick-and-mortar branches, the terms are often much better. Consumerism Commentary offers two lists that are a great starting point: The Best Online Checking Accounts, June 2012 and The Best Online Savings Accounts, June 2012. (credit:<a href="http://www.flickr.com/" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="12" data-vars-position-in-unit="12">Flickr:</a><a href="http://www.flickr.com/people/z0/" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" Aranami" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/z0/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="13" data-vars-position-in-unit="13"> Aranami</a>)
Move your money to a community bank that will offer better terms, or head to a credit union. The National Credit Union Administration has a Credit Union Locator tool to help you find one in your area.
For those comfortable enough with the tech, consider going to an online-only bank. Without the overhead of brick-and-mortar branches, the terms are often much better. Consumerism Commentary offers two lists that are a great starting point: The Best Online Checking Accounts, June 2012 and The Best Online Savings Accounts, June 2012. (credit:<a href="http://www.flickr.com/" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="12" data-vars-position-in-unit="12">Flickr:</a><a href="http://www.flickr.com/people/z0/" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" Aranami" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/z0/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="13" data-vars-position-in-unit="13"> Aranami</a>)
1. Cable TV(29 of29)
The average cost of cable is about $100 a month right now. And it's still rising. A recent study by consumer research firm NPD Group says it "expects the average pay-TV bill to reach $123 by the year 2015 and $200 by 2020." I canceled my cable about six months ago and haven't looked back. I keep up on the TV shows I like with Netflix ($9.99 per month for streaming) and Hulu (free for basic, $7.99 per month for extended). Many networks also stream their shows on their websites. For example: ABC, NBC, The CW and Comedy Central.To learn even more, check out You Don't Have to Pay for Cable TV. (credit:<a href="http://www.flickr.com/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name="Flickr:" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="7" data-vars-position-in-unit="7">Flickr:</a><a href="http://www.flickr.com/people/wonderlane/" target="_blank" role="link" rel="nofollow" class=" js-entry-link cet-external-link" data-vars-item-name=" Wonderlane" data-vars-item-type="text" data-vars-unit-name="5b9e6b76e4b03a1dcc975f18" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://www.flickr.com/people/wonderlane/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="before_you_go_slideshow" data-vars-subunit-type="component" data-vars-position-in-subunit="8" data-vars-position-in-unit="8"> Wonderlane</a>)