Smith & Gromann, P.A./CreditLawGroup is a national law firm concentrating on providing representation to consumers, including those affected by the current mortgage and debt crisis. We provide cost-effective and accountable representation on the matters of: Foreclosure Postponement, Loan Modification, Mortgage Document Audits, Refinance and Transaction Services, Shortsale/Payoffs, IRS Debt Negotiation, Real Estate Tax Appeals, Credit Repair, & Debt Settlement. We are a real law firm representing clients under federal and state law. Don't trust your future to unlicensed "consultants" and generic companies. With a law firm you can assure that your interests are properly represented on what are critical legal matters. The hiring of a lawyer is an important decision that should not be based solely on advertisements, Before you decide, ask us to send you free written information about our qualifications and experience. This blog subject to the terms and disclosures set forth at www.creditlawgroup.com
Rising gas prices and credit debt are two of the most popular news stories in America. Wouldn’t it be nice to save some money rather than constantly spend it? Well you can, but there are things in your life that may need some changing and adjusting in order to do so. The more money you save the more fun you can have right?
1.) Pay your credit card automatically on the due date. Look into enrolling into an online bill pay system. You will never pay interest this way, and save more money. If for some reason you are charged a fee, you must call the bank and have them remove it because some people will just pay the fee without asking questions – this is where they make a lot of their money.
2.) Only use your credit card when you are prepared to pay cash for something, otherwise it will end in debt if not paid. This costs you even more money because of the added damage that results from the lowered credit score.
3.) If there is a surcharge on your credit card purchase, just pay cash. The charges add up over time and can easily be avoided.
4.) Cash in on frequent flyer miles you earn from your credit cards. You earned them, they are free, and they save you money!
5.) If you can walk or bike somewhere, you should. Not only is it good for your health but gas is way too expensive.
6.) Bring lunch to work and eat leftovers whenever possible. Instead of buying a coffee from Dunkin Donuts or Starbucks, buy a personalized mug and bring your own to work everyday. Eating out is expensive and should be done sparingly to save money.
7.) Use an online movie rental service (such as Blockbuster or Netflix) rather than going to the movies. Not only does this save money on gas, ticket prices, and concession items, but you get more quality time with loved ones. At the movie theater it is public, whereas at home you can socialize and actually spend time together. It’s a win-win situation.
8.) Pay more than the minimum on your credit cards, auto loans, mortgages, or any other bill. This will avoid high interest rates that will devour your money and end up costing you up to twice as much as the original amount!
9.) Always use coupons and memberships to grocery stores, they may seem not to help but they can end up saving you hundreds of dollars per grocery bill, do not overlook them.
10.) Establish long-term and short term savings goals, and break them down into goals that can be achieved in order to stay motivated. Also, establish general long-term and short-term goals for your life, and always remember to follow them!
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