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Home / Fitness and Health / 5 Easy Ways to Save Money in 2019 – Best Tips for the New Year

5 Easy Ways to Save Money in 2019 – Best Tips for the New Year



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If you want to achieve something In this new year, chances are good. Ng has to do with money – to spend less and more It's also likely to be related to paying bills for the time when you did not spend money.

A recent study found that the average US household carries nearly $ 7,000 in credit card debt (which means you'll need a rate of nearly $ 1,000 every year) Kimberly Palmer, a personal finance expert at NerdWallet, helps you get back on track and make your financial decisions.

1 Get Your Debit Card

If you carry credit card debt, you should consider making a bank transfer. "Interest rates are rising at the moment, so it's really useful to have a balance practice to lock in the New Year's Referral Card before interest rates continue to rise, "says Palmer. With these cards, you can transfer debts from your old credit card – with a zero-year APR.

So, if you can make the minimum payment every month during the introductory period of 12-15 months, you can pay off your credit card debt without paying more interest. It may sound too good to be true, but it's the real deal. Keep in mind, however, that keeping cash or debit cards on a tight budget. They do not want to stack more debts.

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			<span class= Getty Images image source

2. Eliminate Bank Fees

"Many people are unaware that they pay monthly fees just for their bank account," notes Palmer. These include monthly maintenance fees, overdraft fees or fees for using ATMs outside the network. The real kicker, however, is the minimum balance. Only if a minimum is not met will the average person pay more than $ 12,000 over their lifetime, Palmer says.

Avoid bank charges altogether. Look for a free check or savings account (but make sure it is labeled "FDIC insured"), which will give you a high return (at least 2 percent). For a 2 percent interest free savings account, this adds up to $ 200 per year. Take advantage of rising interest rates and earn more with your money in the bank.

The average person pays bank fees of more than $ 12,000 over their lifetime

  What's the budget this month?

Getty Images Mapodile

3. Follow the 50, 30, 20 Rule

Most of the savings are budgeted. Palmer recommends a basic breakdown: 50 percent for your basic needs (housing, food, etc.), 30 percent for your needs (go to the cinema, go to dinner, etc.) and then 20 percent for future planning (debt payments), savings, etc. ).

Try to reduce the cost – for example, taking taxis and eating out. And (we know it's tough) subscription services – like Netflix or Amazon Prime. Some areas that you definitely do not want to limit, such as your emergency savings (the cost of living should be six months) or your pension contribution.

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			<span class= Getty Images Martin Prescott

4. Buy Your Car Insurance Again

It turned out that the little gecko might actually be right: 15 minutes could help you save 15 percent. "It's actually quite surprising how few people shop for their car insurance," says Palmer. "In many cases, you pay much more than you need." How much more? On average, just over $ 400 a year! It only takes a few minutes to go online, enter your information, and see where you get a lower price. So do not let this excessive bill come back to you next year, buddy.

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5. Saving money

Long term success in saving means creating habits. Try to automatically transfer money to your savings account every month, Palmer advises. Or after every paycheck. You can do this through your bank or through direct deposit of your work. So, if you pay only $ 40 for each bimonthly pay cycle, it will save you nearly $ 1,000 at the end of the year. Make saving for the second nature and future New Year resolutions will be a breeze.


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