You know you need to be saving money but you never seem to have enough at the end of the month or worse, you are further in debt.
Living below your means is more a matter of self-discipline. A few adjustments here and there could be all it takes to have the necessary funds available for saving and investing.
Some mutual funds can be opened up for as little as $200 with minimum contributions around $50.
Heres a list of ways to save money by spending less.
*Open up bank accounts that have little or no service fees. Keep a cushion to avoid accidental bounced checks. These can eat you alive. Be sure to maintain your minimum balance to avoid service charges.
*Try to avoid banks that charge you a transaction fee for using their debit cards. If you have no choice, plan how much money you will need in a given period and then withdraw it all at once to avoid too many transaction fees.
*Compare credit cards. Look for the ones that have little or no annual fees. Its not too hard to find those with no annual fee.
*Avoid specialty store charge cards as they often have interest rates six or seven points higher than major credit...
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