Be wary, however, of credit card offers which have low rates up front and then switch to high rates a few months later. While bank and insurance charges can be costly, consumers often operate on automatic pilot with respect to their banks and insurance companies, never bothering to question the high interest rates and other monthly fees they're paying. Here are several quick ideas. Save your change. Take whatever change you have at the end of the day, save it, and deposit the total once a month.
Time purchases to work with coupons and sales.
A few dollars here, a few dollars there, and suddenly you have enough to make a bigger credit card payment. Take a good look at your mortgage. Speak with your lender for details. Sit down with your checkbook, pay stubs, and a few sheets of paper. For more articles by Courtney Ronan, please press here .