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If you can't drive the distance, look for cheap flights in your region. Let's face it, utility costs seldom go down over time, so take charge now and weatherize your home. Call your utility company and ask for an energy audit or find a certified contractor who can give you a whole-home energy efficiency review. You could save thousands in utility costs over time.
And installing an on-demand or tankless water heater can deliver up to 30 percent savings compared with a standard storage tank water heater.
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An obvious money-saving tip is finding everyday savings. For most of us, keeping your savings separate from your checking account helps reduce the tendency to borrow from savings from time to time. Suddenly, that habit adds up to a substantial sum. Open a checking account online today. Need help deciding? We can help you find the right account for you.
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New To Budgeting? Why You Should Try The 50-20-30 Rule
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We all want to save money. Eliminate Your Debt If you're trying to save money through budgeting but still carrying a large debt burden, start with the debt. Set Savings Goals One of the best ways to save money is by visualizing what you are saving for. Pay Yourself First Set up an auto debit from your checking account to your savings account each payday. Take a "Staycation" Though the term may be trendy, the thought behind it is solid: instead of dropping several thousand on airline tickets overseas, look in your own backyard for fun vacations close to home.
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Spend to Save Let's face it, utility costs seldom go down over time, so take charge now and weatherize your home. You simply need to follow the Rule.
Keep in mind that the percentages for essentials and flexible spending are the maximum you should spend. Falling under those guidelines can leave more money for other financial goals. First, look at your pay stubs to determine exactly how much money you bring home each month.
Next, track your spending. Yes, that means keeping up with every last cent, from the big stuff such as rent to the coffee that you grab on the way to work. Then divide your spending into one of the three categories: essentials, financial goals, and flexible spending. It keeps your personal finances simple so you can pay your bills, add to your savings, and have the freedom to use some money just for fun. The Rule also offers some flexibility. You can bend it a bit by altering the percentages to make it work better for you.