Smart Ways To Save $$$$$

With the Holidays upon us and the new year around the corner, here are a few ways to start saving money to begin 2019 with momentum.

ON THE ROAD

Get Some Air

If you want to save gas, start at the bottom.  By ensuring that your tires are properly inflated, you can improve your gas mileage by 1%.

Go Public

The most cost-efficient way to travel is usually public transportation.  If you have a reliable system in your area, you can cut costs on gas, car maintenance and tolls.

Hit The Car Pool

If public transportation is not an option, reduce costs by riding with a friend.  The more people you ride with, the more you will save by splitting the costs of gas and tolls.

IN YOUR WALLET

Find Some Balance

Check in with your credit cards to verify your current interest rate.  If it is too high, negotiate a lower rate.  If you cannot, consider a balance transfer to a card that offers 0% APR for 12 - 18 months, and weigh the balance transfer fee against the interest saved.

Gain Some Wait

Try mastering the "30-Day Rule" to help tame the temptation of instant gratification.  The idea is simple: Wait one month before taking the plunge on a purchase.  By then, the urge may have passed.

AT HOME

Use Your Sell Phone

Social media offers access to a bustling marketplace right on your smartphone, filled with buyers looking for your gently used items.  Goods such as kids' shoes, clothes and formal dresses are always in demand on swap and sale pages.

Shop Savvy

Most grocery stores tend to start sales on Wednesdays, so shop midweek to take advantage of more promotions and fewer crowds than weekends.  Download your grocery store's app and plan meals according to the best deals.  Lastly, by limiting grocery shopping to once a week, you will be more likely to use items already in the pantry.

Bulk Up

Buying in bulk can be cost efficient, but who needs two giant tubs of peanut butter?  The secret to smart bulk shopping is to split your stash, and the cost, with a friend.  You will maximize your savings and your storage space.

Go Main Stream

Save on entertainment by canceling cable and using streaming services instead.  At a fraction of the price, they offer almost everything you would be watching on television, with little or no delay in broadcast.

QUICK COST CUTTERS

• Use energy-efficient light bulbs
• Install a programmable thermostat
• Use draft blockers on doors to reduce heating cost
• Unplug electronics when not in use