Pay Extra When Possible

Typically, if you just pay the minimum payment on a loan, it is possible that you will end up paying more in interest than you did on the amount you borrowed. This is especially true when it comes to credit card payments.

If you have the budget to do so, pay more than the minimum payment. This is a simple way to decrease the amount of interest you pay long-term and get out of debt more quickly.

Before getting a loan, be sure to check with the lender to see if you can put the extra payments towards the principle as well as if there are any penalties for doing so.

Related Pages:

Student Loans

Beware of the Free Hat

Some credit cards offer their users a rewards program - you'll get cash back bonuses, free tickets, and more. In a sense, a "free hat" for using their credit card.

However, its been shown that users who use a credit card spend 15% more than those users who use cash (or even a debt card) for purchases and are at higher risk of getting into more debt.

So the next time you use a credit card with rewards, weigh your spending habits with the rewards you receive. Is it worth it?

Bargain Spotlight: Get 50 FREE Prints from Kodak

Join KODAK today. Order 50 Premium 4 x 6” Prints to your order within 14 days of registering and the cost will automatically be deducted from your first order. (No coupon required).

All of your images get 5-star treatment. New Professional Prints offer even richer color, professional-grade paper, and individual attention. Plus, KODAK will replace or refund your money if you aren't completely satisfied.

Join KODAK today and receive 50 FREE Prints!

Coupons, Coupons

Are coupons worth it?

According to an article by WSJ, it is.

"Saving $1.44 for a minute's effort is the equivalent of saving $14.40 for 10 minutes. Hourly rate: $86.40."

WOW! Who would have thought?

Start saving today by checking out our Coupons Page for tips on using coupons and for reliable places to find coupons.

Shop with Cash, Not Credit

The next time you go grocery shopping, grab some cash and leave your credit (card) behind.

Not only will it be easier to stick to your budget, and more likely to stick to purchasing what you need, but you can also walk away with an average of 40% savings!

Bargain Spotlight: Spreadshirt

Spreadshirt makes it easy to create your own designs and put them on t-shirts!

You can even create your own FREE T-Shirt Shop and earn cash for your designs!

Click here to create your FREE Shop

FREE Shipping Coupon (valid until 8/18/2010)
Free shipping for your order at Spreadshirt or in a Spreadshirt shop
Coupon Code: SHIPPEDFREE (US)
Coupon Code: CADSHIPPEDFREE (CA)
Standard Shipping only
Min. order value $50

St. Patrick's Day Sale (valid until 3/12/10)
Save 15% on all orders over $35 at Spreadshirt with this St. Patrick's Day discount.
Coupon Code: MARCHSALE (US)
Coupon Code: CADMARCHSALE (CA)
Valid for orders over $35

Shop at Spreadshirt

Sing Your Way to Savings

Washing your hands is one of the easiest ways to prevent sickness and an expensive doctor's bill.

Wash your hands often with warm water and soap for 15-20 seconds, especially after coughing or sneezing.

To be sure you are washing your hands long enough, sing your "ABC's" while you lather up.