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A Stitch In Time
Here are some nice tips that can save you money with just a minimal amount of planning and self-discipline: Next year, when Tax Time approaches, keep track of all your year-end statements. Homeowners will get notices of tax payments and deductible interest charges. Investors will get year-end financial statements they will need for reporting income. W-2 forms will arrive in the mail at the end of this month. Start your tax folder now. Let these vital papers not vanish before tax time. Going out of town for more than a few days? See to these chores before you leave home: adjust the settings on your climate control system; turn the water heater to its lowest setting; unplug the TV, VCR, computer, stereo, and microwave. If your refrigerator has an energy-saver switch, use that before you go. And remember to turn off water to the washing machine. A broken hose could cause a flood that could make you sorry to come home! Here's a biggie: credit card interest can cost you hundreds - maybe thousands. You can spend more on fun and toys if you pay off your entire bill each month and skip those nasty interest charges. If the balance is just too big, pay as much as you can and transfer your balance to a card with a lower annual percentage rate (APR). But be watchful - some bait and switch cards start you at a low rate and boost it in just a few months. Another way to save is by using a no-fee card. The annual fees on a pocket full of cards can cost you $100 or more a year. Last but not least, pay on time! Interest and late payment charges are money out of your pocket with nothing to show for it! That sews things up for this issue. Unless of course you want some MORE HOT TIPS! Timely Yours - April May
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