Tip 19. Do you need home phone?
Get rid of your landline if you don't need it.
If you must have cell phone plan with unlimited minutes (or a LOT of minutes), you could take advantage of that plan in another way. You could consider getting rid of the land-line phone service. You obviously can't do it if you have DSL ...
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Tip 20. Eliminate "latte factor"
Take "latte factor" seriously and save a fortune!
You may have heard about "latte factor". It's now a widely used phrase that originally came from the famous David Bach's book "The Automatic Millionaire". The book states that by skipping the daily stop for a $3-$6 coffee, you can save hundreds, ...
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Tip 21. Buy prescription medicines
...or over-the-counter medicines - whichever is cheaper.
With some health insurance plans it's cheaper to buy prescription medicines then over-the-counter counterparts. If this is the case with you, go for it! Just take into consideration co-payment too. Claritin D, for ...
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Tip 22. Buy a used car
It will help you pay off your debts and save more.
The most expensive miles on a car are the first 10,000. Let someone else drive those for you. Buying used car can save you a lot of money considering how little value the car has actually lost. I would buy a reliable used car for $10,000 ...
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Tip 23. Save money on taxes
Itemizing your deductions might get you bigger tax return.
Keep all the receipts from major purchases, medical bills, education expenses, etc. you make during the year. When doing taxes, don't automatically go with standard deduction. Take a time to check if your itemized ...
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Tip 24. Tax efficient savings
If it makes sense, bunch your deductions into one year.
If you have done some tax estimates and it looks like standard deduction this year is going to be bigger the itemized deduction, then consider postponing until after New Year all charitable contributions, office-related purchases and other ...
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