JW’s Tips on Money and Debt.

There is always something that you can do to save money by changing some old habits and developing new ones.
You will be able to save a lot of money.
We all want to save money and whether you deny yourself that expensive coffee once a week or that trip to the tanning.
Everyone has their own way of saving if you have both a savings account in a home loan.
It is time to combine them refinance your mortgage to a better interest rate and make sure you get And percent compensation, then your savings will compensate the interest you pay on your home loan while it’s still available, eliminating your debts.
Monthly debt payments.
Are the biggest obstacle to saving debts depriving you of your income.
Once your income is clear.
You can finally use it to make progress towards your savings goals.
One of the best ways to save money is to think about what you’re saving for.
Cancel, automatic subscriptions and memberships.
Are you are paying for multiple subscriptions?
Such as Netflix.
Lou Spotify gym memberships trendy subscription boxes and Amazon Prime.
It’s time to cancel subscriptions.
You don’t use it in a regular way and make sure you turn off auto-renewal.
When you make a purchase, avoid annual fees.
And if you pay an annual fee, with your credit card, ask for a waiver, in the worst case.
Your credit will be transferred to a better rate on a card with no annual fee.
It’s easy.
Stop buying small luxury items and pack your lunch, your daily working lunches.
A seem cheap for $10 a day, but that would be $200 a month in about 2,200 dollars a year, not counting A month’s vacation.
Spend an afternoon each week shopping and packing lunch.
Instead of buying it.
Be sure to bring a grocery list to avoid.
Impulse purchases save on utilities.
If you lower the thermostat by 10 degrees Fahrenheit, you can save between three and five percent of the energy costs.
And installing a demand-driven or tankless unit can save up to 30 percent compared to a standard hot water tank.
Borrow don’t buy.
Do you need a tree trunk cutter for weekend work or a hand blender to make soup borrow it from a friend or neighbor?
Instead of going to the store, throw all your Loose Change in a piggy bank.
You’ll be surprised how quickly you can save a small fortune, reduce your mobile phone bill, save money on your mobile service by eliminating extras such as expensive, data subscriptions, phone insurance, and unnecessary guarantees.
The advice that you find in this video is not intended to replace the advice of a professional.

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