There’s one thing to be said for saving money; there’s another to be said about wasting it.
Before you worry about clipping coupons or stockpiling groceries, make sure you’re not throwing your money away needlessly. A few examples:
*Convenience Fees (paying a bill by credit card through the company itslef instead of free bill pay through your bank, for instance)
*Finance Charges (not paying bills on time)
Some companies are notorious for offering “free” items, but they sign you up for a club and if you don’t cancel in a predetermined period of time, you get automatically billed every month. Even something as simple as library books or videos can add up to a lot if not returned on time.
Whether it’s a bill to pay, books to return or a subscription to cancel, make sure you mark it on a central family calendar at least three days in advance of the due date so you don’t get caught with a surprise charge at the last minute.