How to Write a Bill of Sale for a Car by wcf12638

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									      DEVELOP SAVINGS PLAN
• DETERMINE HOW MUCH CAN BE HELD BACK
  OUT OF EACH CHECK
• CONSISTENTLY DEPOSIT MONEY INTO
  SAVINGS ACCOUNT
• THE DISCIPLINED PERSON WILL RETIRE A
  WEALTHY PERSON
                TIPS TO SAVE MONEY
   Do not use credit cards..pay with cash
   Make weekly menus for your meals
   Plan meals around grocery store sale flyers
   Disconnect cable, cell phones, and other conveniences not needed
   Apply 30 day rule: wait 30 days for any large purchases
   Write a list for shopping and stick to it
   Invite friends over instead of going out
   Call credit card companies to ask for interest rate reduction ( do not take no
    for an answer)
           TIPS FOR SAVING MONEY
•   Buy video games with a lot of replay value
•   Drink more water- this will make you full and you will not eat as much
•   Give up expensive habits
•   Hide your credit cards
•   Cancel any unused club memberships
•   Wash your hands often- this will reduce your chances of getting sick and
    creating doctor bills
•   Do holiday shopping after the holidays
•   Try generic items
•   Eat at home
•   10 second rule- ask if you really need the item in your hand
            TIPS FOR SAVING MONEY
•   Eat breakfast
•   Brown bag your lunch
•   Buy clothes that can be mixed and matched
•   Look for cheaper place to live
•   Cut your own hair
•   Carpool
•   Consolidate student loans
•   Buy late model car
•   Check cell phone bill for any unused services
•   Do not speed- this saves fuel and possibility of getting a ticket
•   Do not overspend on hygiene products
•   Eat less meat
•   Use coupons
          TIPS FOR SAVING MONEY
• Cancel cable or satellite
• Exercise more
• ****Never beat yourself up for mistakes , always keep looking ahead and
  never give up you will reach your financial goals.*****
   SAVING MONEY ON YOUR CAR
• EVERY COUPLE OF WEEKS SHAKE FLOORMATS TO EXTEND
  TIME BETWEEN VACUUMING
• CHECK TIRE PRESSURE ONCE A MONTH AGAINST GUIDELINES
  LISTED IN OWNERS MANUAL. THIS WILL IMPROVE GAS
  MILEAGE.
• SPEND 40 SECONDS TO CLEAN WIPER BLADES EVERY OTHER
  WEEK OR SO WITH RUBBING ALCOHOL TO REDUCE
  STREAKING AND IMPROVE RAIN REMOVAL.
           CREDIT CARD OWNERSHIP

• INDIVIDUAL: The account only has one owner and their name
  appears on front of card
• AUTHORIZED USER: A named owner for the account and a person
  who is allowed to use the credit card.
• The user is not liable for any debt on this card. the owner is always
  liable.
• CO SIGNER: Person who has agreed to cover an outstanding debt in
  the event of nonpayment. this person does not use the credit card
• JOINT: Two named borrowers on the account and both are legally held
  accountable for the debt.
                          EXTRA TIPS
• Understand your deadlines: if a payment is due at the first of the month but
  the late fees are charged after the 15th don’t assume that mid- month is the
  real deadline

• Spread out your due dates to avoid running short of money

• Pay online or by phone (save buying stamps)

• Improve your credit score by not being late on payments, find out your fico
  score, ask for credit line increase but do not charge more on the card.

								
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