Eliminating Money Wasters Can Add Up To Big Savings

by Savvy Saver Girl on January 6, 2012

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With the New Year upon us it’s a good time to take a look at what we spend our money on and, more importantly, what we “waste” our money on. Money wasters are goods and services we purchase and don’t use, or fees we pay that are easily avoidable.

Some examples of potential money wasters:

- Unused gym membership
Each year millions of people set their New Year’s resolutions to get healthy and they join a gym and start working out in early January. Come March, many people have lost sight of their goals. They stop going to the gym but continue to pay the monthly fee or have paid for an annual membership upfront only to find out they can’t cancel it. Keep in mind that gym memberships are typically over $350 per year.

- Bank non-sufficient fund (NSF) fees
These fees are completely avoidable. A good rule of thumb to go by is “if you don’t have the money, don’t write the check.” The average NSF fee is $26 per item which adds up fast. Many people who start down this path end up with a snowball effect. After the first check bounces, more bounced checks follow and they end up paying hundreds of dollars in unnecessary fees each year.

- Speeding, parking and traffic tickets
These are easily avoided if you follow the rules. Again, these can add up fast and that’s money out of your pocket. A red light violation can be $370 or higher and photos don’t lie.

- TV packages (Cable, DirecTV, Dish)
Have you looked at your monthly bill lately? Are you paying for premium channels you don’t watch? Are you renting movies for several dollars when you can go to Redbox and rent for $1? Did your pricing go up in the new year? Give your provider a call. Don’t be afraid to tell DirecTV you are thinking of switching to Dish because you saw an add starting at $29.99 per month. I recently did this and they dropped my bill by $27 per month for a year (I do this every year – why pay more?).

The bottom line is there are many ways to save a buck so make it a New Year’s resolution to cut those money wasters and smile as you add up your savings.

~ Savvy Saver Girl

photo credits: dollar here, police here

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Unwanted Gift Card?

by Savvy Saver Girl on January 3, 2012

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A popular gift this holiday season is the “gift card”. What do you do if someone gives you a card to store you don’t shop? Here’s an idea… sell it or trade your gift card so you end up with some value versus none at all. To sell your gift card, visit sites like www.cardcash.com or www.giftcardbin.com or consider trading your gift card a www.giftcardswapping.com. Be sure to read all the fine print including fees.

Happy holidays!

~ Savvy Saver Girl

photo credit here
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Free Shipping Day is Fri., Dec. 16

December 11, 2011
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With Black Friday and Cyber Monday behind us, there are still opportunities to save money on Christmas shopping. Friday, Dec. 16 is “Free Shipping Day” where many online retailers offer free shipping and guaranteed delivery by Christmas. There are over 1,800 online retailers signed up so far, including some popular stores such as: Kohl’s, Sears, [...]

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5 Money Saving Holiday Planning Tips!

November 4, 2011

With the economy still struggling, here are some ideas to keep the spirit of the holidays without spending too much money. 1) Create a New Family Tradition There are many ways you can volunteer as a family and get in the holiday spirit. Volunteering is not only helpful for the institution you’re working with, but [...]

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Reviewing Your Insurance Policies May Save You Money!

October 7, 2011

One of the biggest savings opportunities can be found in reviewing your home and auto insurance policies annually. You can save money if you shop around. There are many choices when it comes to insurance, such as direct writers (AAA, Allstate, Farmers, State Farm), online discount agencies (Esurance, Geico), and independent agents (InterWest Insurance). When [...]

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Fall Festival of Savings at PetSmart.

September 19, 2011
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Fall Festival of Savings at PetSmart is going on now. Save up to 20% on thousands of items. Enter code SALETEN60 for an additional 10% off of $60 or more. Click here for more information. Savvy Saver Girl

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Additional 40% off all Clearance Items at Tuesday Morning – Sept. 9,10,11

September 9, 2011
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End of Summer clearance sale is starting this weekend at Tuesday Morning. Find an additional 40% off all clearance items this Fri, Sat, Sun (Sept. 9,10,11), for savings up to 87% off retail prices. Click here for more information. Savvy Saver Girl

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Savvy Saver Girl Shopping Secrets

September 1, 2011
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We all want to save money, and those who take action do save money. You can’t just hope to save money, you need to put effort into it. Like most things, the more you practice the easier it becomes. First, you need to retrain your thinking. Understand there is a difference between “needs” and “wants”. [...]

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Get $25 Restaurant Gift Certificates for only $10 at Restaurant.com

August 8, 2011
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Get $25 Restaurant Gift Certificates for only $10 at Restaurant.com. Click here for more information.

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Savvy Stay-Cation Ideas for Summertime in Chico!

August 5, 2011

With money tight and gas prices up this summer, why not consider a “stay-cation”? What is a stay-cation you ask? It is a mini vacation in or around your home town. Some ideas for planning a stay-cation with your family are: – Book a night at a local hotel and enjoy the pool, air conditioned [...]

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