31. Riding a bike.
When you are on your way to a place where it is a bit far for a walk, then you should make use of your bike. Biking can prevent you from using more fossil fuel, which can harm the planet, aside from costing you money. With that, you should always ride your bike, so that you consume lesser amounts of fuel, and save more money.
32. Talking to a travel agent.
If you are not getting anywhere in trying to book more affordable fights and accommodations online, you should know that many travel websites have travel agents working for them. They are usually reachable through their 800 numbers on a 24 hour basis. Thus, giving them a call should provide you with the assistance that you need, in order to find the package that you really want.
33. Having an affordable vacation.
During the holidays, people usually go to distant places to spend their vacations on. However, if your finances is quite tight or you simply want to save money, then you should consider having a vacation at the city where you are living it. By doing that, you would be able to rediscover your place. Aside from that, since you won’t be going out of the place, you won’t have to spend quite a hefty some of money for your flights.
34. Using the ATM.
It is always best to use your bank’s ATM machine, whether you want to process a withdrawal, fund transfer, or even just checking for your balance. This is because when you do these things in another bank’s ATM machine, you would be charged by that bank, as well as your own bank for certain fees.
35. The card’s annual fee.
There are credit cards today that offer free annual fees, while some do not. Credit card companies that charge annual fees may have added features into their cards. However, in most cases, such features are not very applicable to lots of people. Thus, it is best to choose cards that won’t charge you annual fees, so that you can save more money on a yearly basis.
36. Rate reductions.
If you are carrying a balance in your card and it has been like that for quite some time, then try to negotiate for rate reductions. There is a good chance that your credit card company would agree to this. This is because they don’t want to risk more defaults, since it is bad for their business. They would rather ask lesser amounts of money from you, than suffer the consequences of more defaults.
37. Bundling insurance policies.
There are certain insurance providers today, which can offer not just auto insurance policies, but also homeowners, and other forms of insurances. If you want to save some money, you should ask your provider for possible discounts if you bundle your policies. When you do that, aside from saving money, it would also become more convenient for you, since you won’t have to deal with paying different providers.
38. Take advantage of deductibles.
If you want to reduce your monthly insurance premiums, then you should recheck your insurance coverage for possible deductibles. Deductibles are the amount of money that you need to shoulder in an event of an accident. Your premium would decrease when you have it, since part of the risk would be transferred to you from the company.
39. Paying insurance premiums.
When you pay your insurance premiums, you should do it way ahead of time. This is because insurance companies can offer you with more discounts when you pay it before the due date. Thus, it is best if you ask your insurance provider about this, so that you would be able to take advantage of it.
40. Have a savings account in more friendly banks.
There are certain banks these days that can charge you so many fees that you won’t even get the chance to earn any kind of interest. One of the fees that are quite common for some banks is called the maintenance fees. Thus, if you read your bank’s booklet and found this term, then you should consider switching banks as soon as possible.