Asset Junkie ! dot Com

We all hate to put money away when there is something we either need or want but the truth is we need to save. Money is great now but when you are in need of it at retirement, for a medical expense or maybe a long vacation it is nice to have. Here are 10 simple tips to help you save money, and the best part is you will not even notice you are doing it.

1. Only have internet service. Internet only service option with your cable company and saved tons of $$$ per month. There are plenty of shows, movies and more online for free. Hulu.com is a great example.
2. Send away for and follow up on rebates. After you buy a product with a rebate, send in the form that day. Then mark your calendar to remind yourself to follow up with the rebate company if the check hasn’t show up.
3. Buy a refurbished Mac: I’ve written about this before because it is a great way to buy not only computers, but iPods and iPhones as well. You can check out the details on Apple.com
4. Convert to a gas water heater. They are more efficient and will save you money in the long run.
5. Request a reduction in the interest rate for your home equity line of credit. Most mortgage companies respect you asking up from instead of waiting for you to default or really fall into financial hard times.
6. Request a reduction in the interest rate on your credit cards. As with home equity loans, credit card companies sometimes are willing to reduce the interest rate. It can’t hurt to ask.
7. Get DVDs from Red Box. Get your moves from Red Box. It costs just one dollar per night. You find Red Box locations and it’s a low cost and convenient alternative.Redbox.com
8. Subscribe to magazines that are must reads. If you must have a certain magazine each month, subscribe. Subscriptions offer substantial savings over the cost at the newsstand.
9. Never pay checking account fees. Bank fees suck, with so many free checking account plans available, there’s no reason to pay a fee. And if the bank happens to charge you one, ask them to reverse the fee or take your business to another bank.
10. Replace incandescent bulbs with compact fluorescent light (CFLs) bulbs. These bulbs use 75% less energy and last 10 times longer. They do take some getting used to, and they won’t work in every light fixture. But use them where it makes sense and save energy and money.