10 More Ways to Save Money Today

It does not matter how big your savings goal is – these simple and smart strategies can help you put away enough money each month to meet your target.

1. Automate your bills.
Late fees can seriously hurt your saving strategy. Keep these ouf of your wallet by automating your bill payments. This simple change can save you up to $30 a month.

2. Take advantage of shopping-and-deal portals.
Check with your credit card issuer if they have created a shopping portal and deals page. Use it to get discounts on stuff that you are going to purchase anyway.

3. Use a credit card with price protection.
Yes, some credit cards automatically searches for lower prices on items that you have recently purchased and refunds the difference. It is called price protection and it can save you up to $1,000 a year.

4. Use a cash-back credit card.
Why would you pay cash or debit purchases when you can use a cash-back credit card? Some cards offer as much as 6% cash-back on purchases.

5. Collect your rewards.
Redeem your rewards. For some credit cards, all it takes is a swipe on a smartphone app or redeeming rewards from the website of your card.

6. Research other perks of your credit card
In addition to cash-back and price protection, other credit card perks include purchase protection, extended warranty coverage, and travel insurance.

7. Get a co-branded travel card.
This is a credit card partnered with a travel company. It leads to many deals like free checked bags, in-flight discounts, free hotel stays, and room upgrades that can lower the cost of your vacation.

8. Negotiate annual fees.
You can negotiate these fees away. Request a waiver of the annual fee in exchange for your continued business.

9. Look for 0% APR on credit cards.
Ideally, you would pay your balance in full every month. If you carry a balance though, shop around for a credit card that offers 0% APR to save more money.

10. Transfer your balance to your 0% credit card.
Once you secure a 0% card, use it to pay off your higher percentage balances. Do it before the rate goes up, which is usually in 12 months.

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