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Five top Money Saving Myths

Jul 10, 2009 Save Money

We all think we do the best we can when it comes to our finances. We think we are saving money, but we never sit down and do math. You may be surprised if you do.

Here are the top five money-saving myths that fall for:

1. Savings accounts save us money

When you refinance your home, you surely are not saving that much money in the long term. Yes, your monthly payments are lower, but you refinanced for another 30-year term. This means that if you have already paid 10 years of the mortgage, then refinance for a further 30 have essentially extended its credit to 40-year mortgage. Sit and do math and you’ll see if they are really saving anything.

If you really want to save money, refinance to lower rates and a shorter period. Your monthly payment may not come down, but the discharge in May

2. Refinancing your home pays off

When you refinance your home, you surely are not saving that much money in the long term. Yes, your monthly payments are lower, but you refinanced for another 30-year term. This means that if you have already paid 10 years of the mortgage, then refinance for a further 30 have essentially extended its credit to 40-year mortgage. Sit and do math and you’ll see if they are really saving anything.

Then if you never use the item that you are actually losing money. This may apply to the transaction of shopping and shopping in bulk. It does not matter whether you bought your daughter 35 pairs of shoes a garage sale for $ 1 each. If she had only two pairs of them, I just lost $ 33.

Having money in a savings account for emergencies is a good idea. It is easy to obtain, but not too easy. But if you want to save money or make your money work for you, old-fashioned savings account is not necessarily the best way to go. First, you should look at what give in interest rates. For example, if you have a student loan with 5 percent interest rate and savings account to 3% interest rate, your savings have cost you about 2 percent. You would be better off paying off that student loan with savings account.

It goes the other way around too. If your debt is less than the interest rate on your savings, your money works better savings. But with today’s interest rates are so low, your debt is probably higher than the amount of interest earned on your savings account. This means that they are actually losing money.

4. Sales shopping saves money

I used to be a shopaholic, but drug sales are my choice. To say that does not always save money. Yes, if you really need the item, then you’re saving money. But sales often leads to purchase of items which normally would not be purchased. And you usually buy twice as much because it is on sale. So you have not saved any money.

Then if you never use the item that you are actually losing money. This may apply to the transaction of shopping and shopping in bulk. It does not matter whether you bought your daughter 35 pairs of shoes a garage sale for $ 1 each. If she had only two pairs of them, I just lost $ 33.

5. Savings depend on income

No matter what you do, you can save money. You just need to spend less than you make. If you can spend more money and more money, you are not saving anything. In fact, you may even be spending more. Do not wait until you have more money to start saving. You must start now.

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How To Reduce Your Electric Bill

May 27, 2009 Save Energy

Many of us feel overwhelmed by our enormous electricity bills. Well, now is the time to take the steps necessary to save electricity, save money and save the planet. Here are some simple steps to take that we often overlook.

Limit Use: If you were to take a call in another room, would you step out with concern for the appliances left running in the room? Take a look around. Turn off all appliances that aren’t currently being used, even if you will be using it later. Even that will help.

What do you consider an appliance? Would you turn off the television, but not the lights? You may need the lights when you’re in the room, but it’s only a waste of energy if it’s on in an empty room.

Make Smart Investments: Replace your incandescent bulbs with compact fluorescent light bulbs (CFL bulbs). This is a great investment that will save you money.

Power Save Gadget: Buy the power save gadget. It helps by monitoring the power supply to your home and only uses the minimum that is needed.

Appliance Usage: Many of us complain that our electric bill is sky-high because of all the appliances and gadgets we use. However, it is not how many appliances we are using, it’s how we are using them.

Only do laundry when there’s a full load to be done. Keep the geyser on only for short time. Air-conditioners should be kept at a moderate temperature. Shut down computer or turn off monitor when it’s not in use.

Sticking to this way of life saves power, saves money and helps with our current energy crisis.

Remember, reducing your electric bill is equivalent to saving power and helping the world save power for future generations.

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National Consultant Philip Eckhart Ambit Energy

Jan 18, 2009 Save Money

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National Consultant Philip Eckhart Ambit Energy

Jan 18, 2009 Save Money

http://lowenergycosts.goambit.com

WE HAVE THE CHEAPEST PRICES!
JASON DUBLIS: 1646 773 2444
AMBIT ENERGY
Philip Eckhart Ambit Energy

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7Eleven Franchise Story Ambit Energy Part 1Jere Thompson Sr

Jan 18, 2009 Save Money

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Ask Umbra: How-To Save Money on Your Heating Bill

Jan 12, 2009 Save Money

Winter’s here, and you’re probably cranking the heat. But hold your thermostatic enthusiasm: high temps in your home lead to high utility bills — not to mention a high price paid by the earth. In today’s episode, Umbra offers tips for staying warm without planetary or pecuniary peril.

“Ask Umbra” is the first video series produced by GristTV. Look for new video tips for greening your life from Umbra every other week.

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