A)
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As Internet use grows, many consumers are overpaying for unneeded communications capacity. Use e-mail rather than phone. Landline and wireless calls often carry per-minute charges. Analyze your current communication expenses to discover ways to optimize services for less cost. In some cases, technologies like VoIP (Voice Over IP) or Skype can help you save money. Voice and video calls to other Skype users are free.
B)
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At least once a month, use credit card checking, and other records to review what you've purchased. Get a receipt for everything you purchase. Stack and review them at the end of the month, and you will clearly be able to see where your money is going.
C)
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Fix holes and cracks that let warm air escape in the winter and cold air escape in the summer. Your local hardware store has materials, and useful advice, about inexpensively stopping unwanted heat or cooling loss. Use window coverings to block or let in sunshine. In summer, use them to block sunlight, keeping your house cool. In winter, open them to let sunshine warm the house. You could easily save money while being more comfortable.
D)
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Its use has dramatically increased communications expenditures in many households. Understand peak calling periods, area coverage, roaming, and termination charges. Make sure your calling plan matches the pattern of calls you typically make. Consider writing letters instead of making frequent phone calls. Thoughtful handwriting is usually far more highly valued than phone conversations, and the correspondence can be saved by recipients for future reading.
E)
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Most are in or outside a branch. Almost all banks and credit unions offer unlimited withdrawals from their own ones with no fee to you. Using one of another financial institution once a week could well cost you $3 a withdrawal, or more than $150 over the course of a year. If you use another bank’s ATM, the machine must tell you if it is going to charge you a fee.
F)
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Some companies even offer free shipping on large orders. Clearance items are sometimes available, and good savings can be found on non-perishable groceries and diapers. The search engine allows you to easily check prices and compare with just a few clicks. This gives you the freedom to determine which store offers the most affordable item you are going to buy. This saves time and money!
G)
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To minimize interest charges, try to limit purchases to those you can pay off in full at the end of the month. Never purchase expensive items on impulse. Think over each expensive purchase for at least 24 hours. Acting on this principle will mean you have far fewer regrets, and far more money for emergency savings. Make your monthly payment on time. You save by not being charged a late fee each month.
H)
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Use local newspapers and websites to learn about free or low-cost parks, museums, film showings, sports events, and other places which you and your family would enjoy. That way you can also give up premium cable channels, as there are cheaper options to watch a film.
I)
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With a little effort, you can find low-priced, high-quality used clothing items that can be worn for many years. However, assess clothing in terms of quality as well as price. An inexpensive shirt or coat is a poor bargain if it wears out in less than a year. Consider fabric, stitching, washability, and other quality related factors in your selection of clothes.