As tough as the economy is these days we all are looking for ways to save money. Something that will help us all get to the end of the month a little bit more intact. When we are not looking to save a little money we are looking to make a couple of dollars wherever we can. I have rediscovered a few ways that might help everyone get over that financial hump a touch easier. The great thing is that most of my suggestions are also environmentally friendly.
Unless you are rolling in the money like Donald Trump or Oprah Winfrey, managing your income and expenses is vital to avoid needless debt and to save for the future. The most valuable tool anyone can use to manage money is a budget. Budgets might not be very interesting, but the money you can save can be very exciting. Before you make excuses that budgeting is too complicated or you do not have time to track your expenses, look at the following seven apps that can make budgeting on the fly easier and more useful than ever.
Many online banks make it easy to manage your money. You can quickly and easily log on to check accounts, make deposits, withdraw funds, transfer funds, pay bills, and anything else you might need to do to manage your finances. Online banking has changed a bit in the last few years as more competitors are popping up. Banks are offering more incentives to join, and offering much more than just your basic checking and savings accounts. My favorite online banks are those that make me feel like a valued customer, make me feel safe and protected financially, and the ones that provide the best incentives, of course.
If you are reading this, then it is very likely that you have a computer. And if you want to make your personal finances easy, that is all you need. The accounting profession, (after the defense industry, of course) was the first to fully embrace the power of the computer. It made sense. One of the best things that the first computers could do was compute numbers. Accountants had to spend long hours computing numbers and finding an automated way to do it was a godsend. Hundreds of computer accounting programs have been developed since the early days, from simple to complex, and now of course, hundreds more are available for personal accounting.
Online checking has become a fast growing industry and is something that many people are using now. There are a number of advantages and disadvantages to banking online, but what is best really depends on the individual user. Generally online banking offers less banking fees and the potential to earn good interest rates on banking account balances. On the other side, there is often a lack of customer service and other user-friendly options.
Take a minute to reclaim cash or property that may belong to you! I did. I took a few moments searching through some old records in the basement, in itself that is worth a few extra bucks, and made a few discoveries. While reviewing some old bank statements I discovered I had 2 separate unclaimed savings accounts. Both had been required for the privilege of either having their bank’s credit card (which has been sold off numerous times, making the savings account pointless) and an account to be a credit union member, for a long ago paid off second mortgage. I reclaimed $25.36 and $41.44.
With the economy in its current state, more people are looking for creative ways to cut down on bills and save money. With the failure of high profile banks such as Washington Mutual, many customers are turning to credit unions thanks to their excellent customer service and great rates. Wondering how you can save money by switching to a credit union?
This is a time when knowing exactly where your hard earned money is going. Tracking what you spend, for most people, will be an eye opening experience. Many will see that they are simply way over spending for everyday items.
New federal banking rules require institutions to come down hard on overdraft bank fees for customers. While it may be good news for some, others feel the backlash as their banks tamper with fees for maintenance, excess activity, and maintaining a minimum balance. These charges add up and can be extremely expensive, costing from $4 to $20 for maintenance fees along with $35 or more for overdraft fees. However, there are ways to keep your free checking and savings accounts as long as you are smart with your money.
At first glance, all the credit card offers you receive in the mail may seem like a lifesaver. You finally have the chance to transfer your debt to a different card that charges little or no interest on the balance. However, beware of the pitfalls of hidden transfer fees.
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