Sunday, 8 July 2018

Saving Strategies That Go Beyond Coupons or a Free Checking Account

Almost everyone says that a primary financial goal is to save more money. There are a number of different approaches to that goal. Some people will take drastic measures that make buying paper towels in bulk or signing up for a free checking account, seem amateurish. Couponing can be taken to extremes, which requires a great deal of time and effort to plan a trip to the grocery store. Others make their own laundry detergent or are willing to give up their cell phones. Fortunately, there are a number of different ways in which the rest of us can stretch our dollars without holding a strategy session to grocery shop.

There are a number of ways in which you can get useful things gratis, even without clipping coupons. Most banks offer at least one type of free checking account, and some even pay interest. These accounts usually offer online access. as well as bill pay, which can eliminate the need for printed checks. Other useful technology deals are also available. A few smartphone models are available with a two-year contract. Online retailers frequently offer credits for MP3 downloads. Effective anti-virus software can also be found online for free or with a rebate. Finally, there are also a few sources for free books. In addition to your public library, Project Gutenberg offers 45,000 titles in the public domain for downloading.

Health care is a surprising area in which you can actually save money by spending money. Regular visits to the dentist can save money in the long run because they prevent serious dental problems. Additionally, cavities discovered early can be relatively inexpensive to fill. Costly root canals and crowns may be necessary if dental problems are not caught soon enough. An annual physical can also catch potential problems early before they become serious medical issues. Noticing high blood pressure while it can still be easily treated is far less expensive than treatment for a stroke or long-term diabetes management.

Getting enough exercise is also an investment in your long-term health. Look for gym membership discounts offered by your employer or insurance company. Alternatively, you can get a great workout at a public park, using your body weight, or with videos available for online. Of course, giving up smoking will also save in health care costs on top of the money you will save from not buying them anymore.

Finally, there are a number of fun ways in which you can score other free items. In exchange for your demographic information, many magazine subscriptions are complimentary. Many retailers offer something for free on your birthday, such as a dessert. Loyalty programs at your favorite coffee shop or restaurant offer a cup of joe or appetizer just for signing up or downloading their app. Deals are constantly changing, so periodically run an Internet search for "how to get free stuff."

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