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Tax time is here. For some this is a good time, and for others not so good, but either way it goes it’s really time to think about how to maximize your savings and get the most out of your money.
I know a lot of people will go out and purchase a car, or a television, or get their hair done (ok, I’ll admit I already have plans of getting my hair braided with my refund) once they get their refund check, or search for the lowest unlimited plans, but what about reassessing things in life and figure out a way to save more money. I came up with a few ideas to help you with your plan:
1. Get organized
There are numerous ways to get organized. I for one have a planner (I like to write), my computer, and my phone.
Getting organized is a crucial step for maximizing your savings. When you’re organized you feel better (it’s true), you’re prepared, and you know when bills are due. Late fees add up, so you want to avoid them at all cost. I write all of my bills in my planner, I even have little red stickers that show when bills are and green stickers for paydays. The app on my phone that I use is One Note I’m able to save information and make a variety of to-do list and more.
2. Get Rid of Your Landline and Switch Cellphone Providers.
It’s 2015, no one has a landline anymore…ok let me take that back, no one but my aunt and mom, lol. Ok, I’ll be serious. Ditch the landline. Most people have cell phones and they are more reliable than ever. Plus you can talk on your cellphone whenever and wherever. That extra $30-$50 for your land line can be put to use somewhere else, or be used to help pay off a debt.
Switch your cellphone provider to a more affordable plan. Walmart Family Mobile has some of the lowest priced unlimited plans. Service starts at just $29.88/month (for the first line), and unlimited talk, text & data service plans, which includes up to 500MB of 4G LTE data.
At Walmart you can take advantage of cellphone rollbacks to save even more money, right now they have:
- ZTE Zinger – $19.84 (was $39.88) – New price
- Nokia Lumia 530 – $49.88 (was $69.88)
- Samsung Galaxy Exhibit – $49.84 (was $99.88)
- Nokia 635 – $79.84 (was $129.88)
- LG L90 – $99.82 (was $179.88)
- Galaxy Avant – $149.00 (was $199.99)
- ZTE ZMAX – $179.00 (was $199.88)
- Alcatel Fierce 2 – $119.00 (was $129.99)
- Alcatel Evolve 2- $39.83 (was $59.88)
Disclaimer: All prices for phones and plans included in this post are accurate as of the date of posting; however, these prices are subject to change. Please refer to http://cbi.as/aafid or your local Walmart for current pricing.
3. Create a Budget and Manage Your Finances
Ok, this is hardest part. I really hate creating a budget, but it has to be done. Start by writing down your expenses, then break it down to the bare necessities. Mint.com has a phenomenal Free budgeting program which you can access online or from your smartphone, you can also stay on top of your bills with their program.
4. Figure Out Ways to Save Even More Money
You’d be amazed at how much money you can come up just by researching and eliminating. Here are a few:
Get rid of cable.
Eliminate subscription services.
Call your internet providers and ask for lower rates.
Run an energy audit report…here are 7 ways to lower your heating bill.
Sell things on Amazon, eBay, Craigslist, or have a garage sell.