The one question on most people’s minds today in Albuquerque, and the rest of the nation is: how can I save money? Whether you plan to buy a home in Albuquerque soon, or you’re just trying to stay afloat, saving money is of prime importance. Here are a few tips that can help conserve your cash.
Renegotiate Internet and phone service
Your internet and cell phone companies no doubt want to retain their customers and keep them happy. Now is as good of a time as ever to call them and see what kind of new deal you can negotiate. And if your cell phone company won’t work with you, you might want to look at changing to another service with better deals.
Look at your cable or satellite TV options
Are you still hanging onto your cable service? With streaming TV options, traditional cable is becoming less of a necessity. If you love just leaving the TV on all day or channel surfing, maybe now is a good time to change that habit and switch to watching streaming shows and movies.
Check with your insurance company
Is your car insurance company offering a refund or crediting customers because you’re driving less? Call them and see if you can get some kind refund.
Cancel subscriptions and memberships you can’t use
Go through all of your monthly subscriptions and memberships that have been piling up over the years. If you have a gym membership in Albuquerque, check with them to make sure they’ve suspended charging you while the gym is closed.
Call your creditors
Reach out to your creditors to see if you can negotiate a lower interest rate. If they won’t work with you, apply for a new card with a lower rate that you can transfer your debt to.
Plan your meals
Since we want to limit our exposure to others, it’s more important now to plan our meals ahead. This will not only help save money by limiting your purchases to essential items, but also limit trips to the store.
Make smart moves with your stimulus check
If you get a stimulus check and don’t need it for emergency expenses, such as mortgage or rent payment, or for food, think carefully about how it can make the most impact. Can’t get your credit card company to lower your interest? Pay it off (or however much you can) with that check.
There are two different schools of thought on this: One is to pay off the debt with the highest interest rate first and the other is to pay off any smaller balances to get rid of them quickly and lower the amount of money you have to pay every month.
Cut out the middleman
Using delivery services for your food may be more convenient, but of course costs more. Even if some of these food delivery services have temporarily suspended their delivery fees, they still charge the restaurant a high fee for every order. Order directly from the restaurant, if possible, to get the meals you want and support your favorite spot.
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