Tuesday, January 16, 2018

Greetings Thrifty Friends,

So you clip coupons, use energy efficient light bulbs and recycle aluminum, but sometimes being too cheap can cost you money instead of saving it. Scroll down for some ideas of when and where it pays to open up the checkbook.

Keep pinchin' those pennies,
Penny

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TODAY'S THRIFTY TIP:

* Neglecting Basic Maintenance

Neglecting the basic maintenance needed on your home and car will only end up costing you more money down the road. Lack of maintenance inevitably leads to something big breaking and that will cost you a lot more to repair than it would have cost to make small investments in regular maintenance.

* Not Saving Anything

Unexpected expenses happen, and if you don't have any sort of savings cushion to help you deal with those expenses, you'll find yourself relying on your credit cards, high interest loans or some other equally expensive way of paying for a crisis. So save something out of every paycheck. Even if it's only $10 or $20 at first.

* Letting Coupons Shop for You

Buying a product at a discounted price with a coupon is better than paying full-price - but if coupon clipping leads you to make purchases you wouldn't normally make, it's money wasted, not money saved. Only use coupons if they apply to your normal and needed purchase items. Otherwise, skip the coupon and skip the purchase altogether.