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My Saving Advice

Saving tips and strategies




How to cancel a parking ticket

It is always worth writing a letter requesting your ticket to be cancelled. You simply have nothing to lose and I personally cancelled tickets where I just apologized and if you lose, you will normall[...]

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APR & AER- Interest Rates for Borrowing and Savings

When you are borrowing, there is something called an APR, or annual percentage rate that is calculated into the amount that you borrow. This APR is calculated by how much you borrow, and also takes i[...]

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How to re-claim Credit Card penalty charges

A little known fact is that credit companies are only supposed to charge you for whatever cost they incur because of your usage. In fact, the credit companies are not supposed to charge you at all, b[...]

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How to Avoid Credit Card Penalty Charges

If you are having problems paying off your debt, you may also have a problem with penalty charges. This is a telling sign that you may have a serious money management problem that needs to be worked o[...]

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When its Not Better to Pay off All Debt

Most people automatically assume that the sooner they pay off their debts, the better off they will be financially. This theory doesn’t always prove to be true. Actually, when you save money in th[...]

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The better you drive, the more you save

Driving at any speed higher than 70 MPH will force your vehicle to have to go against higher wind resistance; this will make the car work harder, and burn more gas. • The speed limit is of course[...]

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Tips on saving when it comes to driving

• Don’t drive just to drive, have a purpose. Plan all your errands and go at one time. If your city allows it, take the bus or subway, and when the weather permits, go ahead a walk there. • [...]

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Lowering your Bank and Credit Card Fees

Every bank has different fees that they charge for different things. If you already know what these fees are, try to contact your bank for something that’s called a “fee reduction package”. Th[...]

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Debt Reduction Tips – Credit Card and Bank fees

Finding better deals and taking advantage of them to help you overcome your debt is the goal you’re trying to reach. If you haven’t yet found a 0% card, or can’t get approved, simply choose th[...]

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Credit Cards – Which one is right for you?

There are many things to consider before going ahead and getting a credit card in your name. Although almost everyone is in some type of debt, there are certain “good” debts, and other “bad” [...]

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