Not all restaurants are equally as pricey. Instead of blowing all of your cash on a fancy night out, go to a cheaper one. It can easily be just as enjoyable.
Tip #66: Shop at thrift stores
Thrift stores often carry a wide variety of second hand items, including books, clothing, and furniture. Instead of buying things new, first consider going to a thrift store.
Tip #67: Keep track of your debt
Instead of paying attention to your minimum payments only, keep track of the total amount of debt you’re holding, including student loans, credit card debts, and your mortgage.
Tip #68: Keep track of your savings and investments
Many people make the mistake of ignoring their savings and investment. As a result, they reap small returns—if anything. They also face the risk of large losses during recessions and bubble bursts. Pay attention to where your money is invested and saved.
Tip #69: Get term, rather than permanent, life insurance
Don’t invest in life insurance. Instead, use it for its intended purpose: get term insurance.
Tip #70: Use local exchange sites to find furniture
Use local exchange sites to get furniture. In many cases, you will be able to find bed frames, couches, and shelves for free.
Tip #71: Don’t store your credit card numbers online on sites
Storing your credit card information on sites like Amazon makes it easy for you to buy things you don’t need, so don’t do it. Make it harder by not saving your information.
Never buy in the heat of the moment. Instead, take some time to thing purchases over—especially when they are large—before making the decision.
Tip #73: Do not spend up to your credit limit
Spending up to your credit limit is rarely a good idea. Instead, try to stay as far away from your limit as possible.
Tip #74: Call your credit card company regularly
Your credit card company can do a lot for you. It can lower your APR, extend payment deadlines, and allow you to enter into an extended grace payment or a debt repayment agreement. Take advantage of these services, rather than simply not making payments.
Tip #75: Avoid carrying a positive balance on any card that has a positive interest rate
If a credit card bears a positive interest rate, you should pay it down immediately. Instead, transfer the balance to a card that temporarily has 0% APR or pay it off as soon as is possible.