*I sometimes like to list Frugality tips:
a) Keeps me honest.
b) If anyone can ever pick up on these and benefit, GREAT.
Start w/ a premise that it's NOT how much you have. It's about getting Value for $$.
Tip #1 = If you have Multiple credit cards, check on the Annual Fee.
...I have one Credit Card that has mostly been inactive.
...I've been using two others...and I've been tightening my budget.
...Annual Fee just came due. I called them and said I wanted to cancel. Told em that my budget was tight and that I didn't want to pay the Annual fee.
...They retorted by scrubbing out my Annual Fee. Told me that I could use the card for next 12 months w/o an Annual Fee.
$$ saved = $99.
a) Keeps me honest.
b) If anyone can ever pick up on these and benefit, GREAT.
Start w/ a premise that it's NOT how much you have. It's about getting Value for $$.
Tip #1 = If you have Multiple credit cards, check on the Annual Fee.
...I have one Credit Card that has mostly been inactive.
...I've been using two others...and I've been tightening my budget.
...Annual Fee just came due. I called them and said I wanted to cancel. Told em that my budget was tight and that I didn't want to pay the Annual fee.
...They retorted by scrubbing out my Annual Fee. Told me that I could use the card for next 12 months w/o an Annual Fee.
$$ saved = $99.