Cell phones are expensive but you might be able to save!

I have been stuck in a contract for a while and I will be dropping my phone and going to a prepaid phone as soon as I can. It will save me $780.00 a year and will still have great coverage! My phone usage is minimal if you use your phone a lot you might not save this way but I use about 150 min a month.
There are a few diferent prepays out there I found net10 is the cheapest for my situation because it only charges me for the min I use no daily fee just 10cent a min!
If you talk or text a lot this is not a good Idea for you but if you are like me you could save a bundle!!!
Keep you eyes peeled for good deals on anything and everything. If you find something to save leave it in a message! Ty have a thrifty day!

ANOTHER SAVING TIP!

When I get back home at the end of the day I usually have some change in my pocket, so I put it in a jug currently have a 5 gallon jug about half full! When it gets to the top I cash in it takes a while but when I cash in I usually have about $500.00 nice way to save!


Tell me about some ways you save money!

Don't leave out your own retirement!

I don't know about you but I don't want to work for ever! I would strongly suggest looking into a 401k, I.R.A or Roth I.R.A. If your employer offers a program USE IT especially if they match you will need the money if your every want to retire! I put the maximum in my account.
I know the economy is bad and stocks are viewed as risky but If you are young enough the risks are not as bad as you might think. The gain can be enormous if you plan on a long investment.
FACT: the longer your money is invested the more you will get in the end SO START YOUNG!  Definatly look for a investment calculator and play with the amounts and years invested you will be surprised!
I look at it like this if you don't stick your foot in the road it won't get ran over, but you can't get across the street! That said don't put all your money in one investment (Look both ways before you cross)!
I believe the market will either get better or its gonna get really bad in this country for anybody that does not have a trust fund. so I figure what I put in will grow or it won't really matter!
MY ONLY REGRET AS FAR AS INVESTING FOR RETIREMENT IS I DID NOT START EARLY ENOUGH.   I  Started my 401k at age 26 wish I would have started at 18 or sooner!

I am not an expert. and I incurage you to get an experts advice when investing! but if I have convinced you to talk to an expert I have done what I started out to do with this blog!

Pingy

If you found me easily try this to be found! Pingy

Watch out for banks!

My old bank was charging me a fee if I didn't leave $500 dollars in my CHECKING ACCOUNT. I've accepted minimums on savings accounts but the minimum on a checking account is just wrong. If your bank is doing this try a credit union! and tell your bank you don't like crazy fees! Sorry I know its not a credit thing but it bothered me enough to leave that bank and I will never bank there again! Its the principle of the thing!


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Maybe a car! for your credit

If you have done everthing in my last post you should be able to get a loan for a car real easy. BE CAREFUL since some of the new legislation has been passed to "help people"  financially, some new fees have been popping up in banks and other financial institutions. ask Questions to be sure what your loan is exactly! A car loan will further help your credit and by the time you pay it off you will have made great strides to great credit, as long as you paid your payments in full and on time!



remimber to leave comments and Queastions!

Tip how to fix your credit!

I had a BAD credit score for about 3 years after I got my first credit card because I ran up $1000 dollars and lost my job! I could not pay bill for about 2-3 years!fees. That is my bad credit beginning and it was not easy to fix took about 4 years to get where I am today. The best way I found was to get a small credit card that reports to credit bureau every month and use it but always pay it off every month. You will have to pay for the service and because you have bad credit the card won't come cheap I believe I payed $250 for mine its a yearly fee so only keep for 11 months then get rid of it your credit should be good enough to get a card that is free! Then use it and pay it off every time DO NOT BE LATE with your payments! (PLEASE BE CAREFUL WITH CREDIT CARD COMPANY'S)!  I made sure my card limit was under $250 so I could not get in debt again!!
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