Getting The Best Deals Out Of Your Spending

Getting better at how you spend your money is not only an essential part of budgeting, but it can also help you afford all the things you love without having to break the bank over them. That’s why we’re going to take a look at the methods that just about everyone can use to get a lot more for a lot less.

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Be a ravenous coupon hunter

For most people, coupons and deals are something that they only encounter once in a blue moon and often with coupons they don’t have much opportunity to use. However, there are sites that you can use to track all sorts of different coupons and deals. Besides checking them regularly just to see what you can save on, it’s always a good idea to check deals sites when you know what you want to buy next. Whether that’s clothing, electronics, or otherwise. The chances are, there’s always a better deal waiting out there somewhere. Just make sure you do your research and find out the average retail price so you’re not getting tricked into savings that aren’t really saving you much money after all.

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Don’t be afraid of a haggle

You’re not going to get much joy if you try and negotiate a price in a supermarket line. But you can get a lot more by negotiating with your service providers instead. Once a year, you should set aside a whole day to sit down and ring every one of your providers. From your mobile data plan provider to your car insurance provider. It pays to be nice, rather than a jerk when haggling. But it pays a lot more when you research ‘online only’ or ‘new customer’ deals your providers offer. If you’re insistent, there’s a good chance you can make use of those same deals.

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Get credit clever

Plenty of people use credit cards for a lot of their day-to-day spending. So long as you’re responsible and you’re always able to stay on top of repayments, there’s nothing wrong with that. In fact, reward card providers can make it a smart choice. Do some shopping around, comparing reward cards like Capital One Venture vs Chase Sapphire Preferred and see what kind of points they can offer those who use their card regularly. Those points can be equated with real cash when it comes to giving you spending power. You might even get more points if you’re going to use them on certain things like travel.

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Resell what you don’t need

If you really want more from your purchases, then you need to know when something you were once enthusiastic about is only taking up space. In most cases, you won’t get anything near what you initially paid. But with the right online buy-and-sell sites, you can still make a pretty penny from things you don’t need anymore.

Savvier spending is going to help you maintain the lifestyle you want all without worrying about how it’s going to affect your finances. So, don’t feel like being frugal means you have to be miserable. Start using the tips above and enjoy your money a little more.


Slash Home Expenses with Service Bundles

Despite high gas prices and a volatile economy, now is still a good time to be a consumer if you know how to find the best deals. Corporations are merging services and competing to squeeze every last penny from your wallet. That might sound a bit intimidating at first, but it has created a new age of “bundling” where one company aims to fill your every need. Here is how to take advantage of this trend and save big on the services you use most.

Track Your Spending
The first step in saving money with bundling is to know how much you are spending on your current services. This means looking back at your last few months of bank transactions. Take notes on what you actually pay for monthly services like power, cable television and mobile communications. If you have a small business, especially if it is home-based, then you’ll want to factor these bills in as well. In short, you want to know how many checks you are writing, and for much, so that you can accurately compare bundle deals that fit your needs.

Measure Usage Patterns
Remember when the cable guy sold you on those premium channels that were “only” $10 more per month? Well now is the time to evaluate those upgrades to decide if you actually used them. You’re going to encounter these upsells again while shopping for bundle deals, and it is much easier to be honest with yourself now because you will be tempted again by these offers during the sales process. Take a look back across the board on all the special features you’ve signed up for. Things like unlimited long distance, high definition channels and cell phone insurance may not be worth the extra money they cost you.

Pick Your Must-Haves
Okay, so now you know how much you are spending, and what features you no longer need from your monthly service providers. The next step is to identify the products and services that are most important to you. Perhaps you love your iPhone, or you just cannot live without Food Network on Demand. No problem with that, as long as you know in advance. Let your preferences steer your decisions on who you are willing to do business with.

Shop Smart
The first phone call you to make should be to your existing cable or phone company. Communication companies like this usually offer the most services under one contract, and this increases your odds of saving more. You can listen to their pitch if you want, but the more direct approach is to tell them you are shopping for the best bundle deals on phone, internet and television service. Stating this up front should get negotiations moving faster.  At the end of the discussion, have the representative email you a copy of the prices, features and contract.

Your next phone call is to the competition. Once again, get right to the point and give them the monthly quote you got from the first call. Ideally you will be offered a lower price, but even if not, you still want all of the details emailed to you. This is because promotional offers can vary significantly. It could be that the first few months of one service is cheaper, but after this introductory period the price goes up substantially. Be careful with “bait and switch” offers like these or else you’ll get stuck in an expensive contract.

The bottom line is that you should use service bundles to save money, but be sure to do your homework first. Understand what you need, and how much you are currently paying before you start shopping. If you are paying separate providers for cable, telephone and internet then you are likely paying much more then you should. In these cases, a simple phone call could save you hundreds of dollars a year!

Compare prices across all internet service providers in your town with Find out who has the best prices and see who has the best service.

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