Frugality
Having A Night On Out Cheap!
This morning I received my credit card statement and below the total and the summary of my rewards points was just over 15,000 points. I’ve said before fee free credit cards that offer rewards points are an excellent type of card (the interest rate should not be an issue if you pay the card in full…and I do every month!) but have never really cashed in my points for anything other than airfare upgrades.
Reasons We Spend
I was pondering some the dumb purchases I’ve made in my lifetime and what motivated me to make the decision to part with my hard earned dollars. I had often watched in wonder as other people had expensive “stuff” and wondered why I didn’t have the same. I guess I began chasing what they had and undertook to increase my income and then proceed to buy more in a way to demonstrate I had the same resources as those people I was admiring.
Lessons Learned From Shopping Around
Last week, I wrote about how I called my car insurance provider and had them add my home insurance to my existing auto insurance policy and saved a bunch of money (I know sounds like Geico commercial, but I didn’t switch to Geico!). It got me thinking about other regular expenses I have that I hadn’t given much thought to that could be subjecting me to the cost creep. As I look through my budget there are some opportunities to save some more all important dollars:
Mortgage Update #2
I called my bank to increase my weekly payments by 5.3% and the change was made immediately. The person on the other end of the phone told me that few people ever call to increase their payments. Most call to decrease them.
Saving Money on Insurance With A Phone Call
I received my homeowners’ insurance policy renewal a few weeks ago. This is one thing that I’ve always looked at but never given any real consideration. Perhaps its ignorance or maybe I think it’s a necessary evil, but I put it off to the side and don’t give it much thought. This year I looked at the renewal notice because I’ve been getting calls from the insurance broker that insures my cars asking me to consolidate my homeowners’ policy.
