Ways to Save
Buy in bulk
On average big box stores will give you the most long-term savings -especially on non-perishable items. The pandemic proved that you can never have enough TP!!
Enroll with a Credit Union
Credit unions are not-for-profit. The money they earn subsidizes lower loan rates and higher savings yields for members.
Consider purchasing Insurance from a mutual insurance company
Mutual insurers are not for profit. The money they earn subsidizes lower premiums for policyholders and in some cases, a cash dividend to policy holders with no claims.
Call your wireless carrier
Over the last several years, the trend has been more services and lower cost. An analysis of your usage can help you make an informed decision. Also, the more lines on one account will typically results in savings.
Negotiate with your credit card company or shop around
With so many merchants adding surcharges for purchases using a credit card, it makes less sense to pay an annual fee or to accumulate points. If you have good credit you’ll have more leverage.
Put your bills on autopay
On time payments is a big component of your credit score. A high credit score will help you get lower financing rates.
Review health coverages and deductibles
With the advent of “Obamacare” it is easier to select a plan that tailors your premiums based on how often you access medical care.