| February 4, 2013

Easy Ways to Save $50 This Year

Save money each year by increasing your deductible, consolidating debt and more.

Being bogged down in credit card debt can create a painful financial situation for anyone. While there are many ways people can improve their situations, one of the easiest ways to accomplish this is to simply finds ways they can save money. This allows them to have more money to put toward paying down their debt. 

Raise an insurance deductible
With any insurance policy, people will pay monthly premiums and have a deductible they’ll need to cover if they ever need to use their policy. Manipulating their insurance policy could help them save money each year. One way of doing this is for people to raise their insurance deductible. This will increase the amount they have to pay if they ever get in a car crash and need to use their policy, but it will cut down on their monthly payments. 

Eat meals at home
One of the biggest ways people waste money is by frequenting restaurants instead of eating meals at home. This is one of the best ways people can save a lot of money each year. Not only do people pay more for food when they eat out, they also pay a premium for alcohol, which can add up over time. While people can still eat out every once in a while, it may be best to not go out a couple times a week. 

Cancel the home phone
With the popularity of cell phones, there is little reason to have a land line at home. Not only there is no use for this home phone, it can also be expensive. Simply cutting this service could easily save people more than $50 a year and allow them to have more money to put toward their debt payments. There is no point in paying a cell and land line bill, so cut the home phone off.

Consolidate debt
Another way to save money each year is to attack debt straight on. If possible, people should try and consolidate credit card debt. This can help create a single debt payment and potentially lower their interest rate. However, people who have seen their credit score take a hit since opening their credit cards, it may be best to avoid consolidation as this could result in a higher interest rate and more expensive payments. 

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

All Consolidated Credit counselors are certified personal financial counselors (CFC) We've helped 5 million people get out of debt! Call us today and see what we can do for you.

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Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

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Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company. To see what we can do for you, give us a call.

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With this amount of debt, you'd pay around $xx.xx on a DMP.

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