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Money Saving Tips You May Not Have Considered
By Less dot Com
In this day and age, saving is more imperative than ever. What most people do not realize is most items that currently cause them debt can be eliminated or substituted. All it takes is a little planning and action.

Pay Ahead on Your Mortgage
It may seem a little hard at first, but paying ahead on a mortgage can potentially save you tens of thousands of dollars in interest rates over the length of your home loan. This can be done by taking the amount you owe for a single payment and dividing it by twelve. Add that number to each month's mortgage bill.

Shed Credit Card Debt
Millions of Americans are in credit card debt because the “buy now, pay later” model of spending fits most lifestyles—for the time being. Try transferring all of your credit card debt to one new credit card that has a lower APR rate. This will make the total amount owed less.

Debt Settlement
Every day, individuals look for a way out of their debt because just having a plan is not enough. There are debt settlement companies available, with financial experts who can help design a unique program catered to your situation in order to eliminate debt. It is simple and it ensures that you don't have to go at it alone.

Change Late Fees
If you look at your late fees, it often is the same bill every month. Call the company in charge and ask them to change the date

in order to make it fit your payment schedule.

Analyze Workday Expenses
The daily cup of take-out coffee may only cost between one and two dollars, but that adds up annually. Instead, invest in a coffee maker and a portable cup, saving you hundreds of dollars a year. Try packing a lunch instead of buying. These small changes end up saving you a lot of money.

Get Rid of Incidentals
Look around your house and see if there are any magazines that you receive but aren't reading. If that is the case, call and cancel your subscription. Many people like the idea of having a gym membership but don't actually go. It may be against your judgment, but cancel.

Take Advantage of Direct Deposit
If it is out of sight, it is more likely to remain out of mind. Carrying cash around usually increases the likelihood of spending.

Set a Budget
Every month, sit down and look at how much you will earn. Then subtract the total amount due for bills. Make a plan for the left over so it is more likely to go to something worthwhile.

Make a List
Whether grocery shopping or heading to mall, make a list and stick to it.

Use Coupons and Follow Through with Rebates
If you are buying, or have already bought something, use the deals that are offered in order to save yourself money, or return a portion of what was already bought.
Less.com is an informational website that helps those struggling with unsecured debt. The site features www.less.com/articles/”">debt hints and articles about www.less.com/”">debt settlement and negotiation, and provides a form to put you in contact with debt negotiation specialists that may be able to help reduce your debt by up to 50% or more.

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