1. Downgrade your technology:
• Premium Channels
• High Speed Internet
• Use Prepaid Cell Phones
2. Negotiate a lower interest rate on your
Premium Cable or Satellite Channels
• If you trim just one premium channel,
you can save $15 per month, $180 per
year, $900 in five years and $1,800 in
• If you trim three premium channels,
you can save $45 per month, $540 per
year, $2,700 in five years and $5,400
High Speed Internet
• Verizon offers high speed internet starting at $30/mo.
• AT&T offers a DSL package for as little as $15/mo.
• EarthLink offers cable internet for just $30/mo.
By switching to AT&T from Time
Warner Cable’s standard cable
package of $70 per month,
you’ll save $55 per month!
High Speed Internet
• Steer clear of low entry offers!
• When you sign a contract just for
the low introductory rate, you're
trapped into paying exorbitant fees
for the duration of your contract.
These are money-suckers!
Not only are you stuck with high-
priced monthly plans, but in addition
to that plan, you must pay a $15 to
$30 data plan fee in order to access
the perks of a Smartphone.
Consider these alternatives:
• An MP3 player allows you to play as many
songs as you’d like.
• To Google something, wait until you get to
• A written planner costs less than $15 and
keeps your schedule well-organized.
If you can sacrifice the convenience
of an all-in-one device, and opt for a
regular data-free plan, you can save
$15 to $45 per month!
Prepaid Cell Phones
• Companies like Virgin Mobile and
Boost Mobile are offering all-inclusive
plans starting as low as $25 per month.
• If you choose a prepaid Smartphone,
you must still pay for a data plan.
Prepaid Cell Phones
If you currently pay the standard rate
of $75 to $100 per cell phone plan…
By downgrading to Virgin Mobile’s
$25 per month plan, you can save
$50 to $75 per month!
We buy things we don’t need, with
money we don’t have, in order to
impress people we don’t like.
~ Dave Ramsey
You may be able to lower your interest
rate on your credit cards and save a
You can easily do this with:
• A solid payment history
• Longstanding accounts with the
• Haggling skills
Your script can look something like this:
“Hi, I’m calling because I’m being offered
substantially lower interest rates through
one of your competitors. The offer is very
appealing. But, if you’re able to slash my
interest rate, I’m willing to stay with your
company. What can you do for me?”
• If you’re offered a lower interest rate without
haggling, this is good news.
• Aim higher than you need. If you’re hoping for a
12% interest rate, ask for a lower, 9.5% rate and
you can negotiate up to the one you really want.
• If your customer service representative isn’t
budging, ask to speak to a supervisor. The
supervisor may be primed to offer an attractive
rate in order to keep you as a customer.
• According to Good Morning America,
Kathy Spencer of Massachusetts, feeds
her family of six for an average of $5 per
• Jill Cataldo, of SuperCouponing.com,
often scores groceries, detergents and
personal care products for free.
• You should join in on the fun!
Coupon Use in 2006
Coupons Used by
• Sunday Paper
• Company websites
• Social networking sites
• Call the manufacturer
Match coupons to circulars:
• When you receive the Sunday paper, look
through both the sales circulars and the
coupon inserts and match up the best deals.
• If there are free or extremely cheap deals,
head to the grocery store as soon as
possible. The best deals tend to sell out well
For the sake of organization:
• Fight the temptation to clip every
• Only clip the coupons you need for your
shopping trip this week.
• Save your inserts in a folder or drawer.
• The coupon is released this week.
• The coupon is nearing expiration.
• If the store is aware that a coupon is
nearing its expiration date, the lowest
possible prices are likely to be offered.
• Offers Extra Care Bucks (ECBs) to
customers with reward cards. You earn
ECBs by purchasing select items that are
marked with the Extra Care tag.
• When you earn ECBs, you can use them
on your next in-store purchase to pay for
any item in the store on your next visit.
• CVS allows you to stack coupons.
• Coupon stacking is the practice of using a
manufacturer coupon in addition to a store
coupon jointly on one item.
• By combining your ECBs and stacking coupons,
you can often walk out of the store with free
At CVS, ECBs = Cash.
• This pharmacy offers Single Check
Rebates (SCRs) to their customers.
• This is a mail-in-rebate program.
• When a product is marked with a SCR,
you can receive the specified amount
back in the form of a check.
• Rite Aid offers many products that work out
to be free after-rebate!
• Further your savings by stacking coupons in
addition to the rebate.
• You can grab a product for free, and still
receive the full value of the SCR!
• Rite Aid is consumer friendly.
• You can actually fill out your rebate
online rather than sending the form
through snail mail.
Between minimizing your small expenses
and using coupons, you can save literally
hundreds of dollars every month on
Use these tips to get you started and then
expand into more money-saving strategies.
Soon, you’ll wonder why you didn’t
discover the joys of frugality sooner!