Below are some wonderful ideas from my business associate, Ms. Elaine Kwoh. She has some great suggestions on how we all can save some money by reducing or eliminating those nasty fees.If you can, help us out and add to our list below. Thanks so much!
Do you realize how much you are really paying in fees?
1) 411 - For free directory assistance try 1-800-FREE 411 or 1-800-GOOG-411. You can even text the business name and location to GOOGLE (466453) on your cell phone.
2) Credit Cards - If you must have a credit card, you really should not have to pay any annual membership fees. There are plenty of cards out there that do not charge. Shop around. Are balance transfers really worth it if the credit card company typically charges 5% up front? Pay your bill on time to avoid any late fees.
3) Free Checking - You really shouldn't have to pay for a checking account. It is getting harder to find free checking accounts but they are out there. Do a little research and check out your community banks.
4) Insurance - You should never pay a brokerage fee. Insurance agents should earn your business by providing you honest quotes. Quotes are free.
5) Online Trading and Investing – T. Rowe Price and Fidelity are two excellent companies with very little fees. For example, T. Rowe Price let’s you start with just $50.00 a month in numerous investments, funds, etc. Great way to get investing, save money for retirement and without paying those ridiculous fees.
6) Internet – Starbucks is FREE! Maybe consider dropping the payment and fees and grab a cup of mojo and some free Internet access. Think of how much you will have more at the end of the year. This can really add up.
****We would love to hear your thoughts??? Please comment and add to the list!
We all can benefit from coming up with ways to save money during these challenging times…so please…comment below and add the ways we all can save by reducing our fees.
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~ Elaine Kwoh, Elaine.servpro@gmail.com
SERVPRO of San Clemente/San Juan Capistrano
Flood/Fire/Water/Mold
24 HR: 949-366-0293
Cell: 714-321-0291
www.ServproOfSanClemente.com
www.facebook.com/SERVPROofSanClemente
One of my pet peeves is paying to use my debit or credit card at the gas station. They lure unsuspecting customers in the door with their low prices at the pump, but what they don't tell you is they also charge anywhere from .45-.50 cents on top of that price to use your card, so always pay CASH for GAS. Also, stop using your card at convenient stores that charge a c.c fee too, I saved $37.00 dollars last year from all of those fees mentioned above!
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