Take advantage of sales and store specials. Barter services you can provide for services you need. If you ve got great word processing skills, and know someone who gives terrific haircuts, you can both benefit. Banking Select a bank with free checking or a low minimum balance requirement, then open a no-frills account. Beware of hidden charges and avoid using other ATMs if your bank charges a penalty.
Utilities Use e-mail to keep in touch with family and friends.
Call long distance at night or on weekends for the lowest calling rates and research long distance carriers for the most competitive rates. Take advantage of low-income utility rates. Credit Cards Remember that the most common way to get into debt is credit card overuse . If you must have a credit card, keep only one and pay it off in full every month to avoid accumulating interest. Reduce interest rates by applying for or negotiating lower rates or transferring high balances.