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You're Home! » Money Saving Tips For The Holidays

November 18, 2011

Money Saving Tips For The Holidays

Please Share!

Money is tight, especially around the holidays. BillFloat knows this so they are offering you some helpful tips for saving money, this holiday season.

BillFloat certainly did not want to stop at just the tips though, they want to offer to pay in full, one of your bills or an unexpected expense (we all have those!!), up to $50! in November and December! Every cent counts, so I think this is a fabulous idea!

But First, the Money Saving Tips!

·         Don’t Pay the Minimum Balance!  This is an oldie but goodie.  Racking up credit card bills will only hurt you in the long run.  The interest you pay may be more than the original charges.  Pay as much as you can even if it is just a few dollars more than the minimum balance, as it will help you work to trim down that debt over time.

·         Invest in Water! A popular fable is about the person who put the amount they normally pay for their Starbucks Latte and invested it and they had thousands of dollars over the years.  To take that one step further, cutting back on sodas, alcohol and other beverages can equal even more savings.  Water is free and it is better for you in the long run.

·         Never Pay Full Price!  Tis the season for deals! The holiday season is filled with discounts, as retailers, restaurants and other merchants compete over every penny they can get.  Look for coupons, discounts, and sales, and only buy what is NEEDED vs. WANTED.

·         Do the Homework! When making a large purchase, taking out a short-term loan, or determining how to use your money, find the best rate.  Just because a big bank is offering a “convenient” loan, doesn’t mean that there aren’t credible online lenders that have better interest rates and lower fees.

·         Get Back to the Spirit of the Season! Instead of going lavish with shows, tons of presents, and parties, invest in serving and giving time to others in need this holiday season.  There are many great causes that may be local and will make this time of year one of the most memorable by helping those in need.

·         Turn Up Your Sweater! Lowering the thermostat a few degrees can save hundreds of dollars a year.  It is easy to put on another sweater or blanket and snuggle while watching TV.

Those are some great tips to get you started, if you can think of any more, please share them below in the comments, as I would LOVE to hear them!!

 

 

 

 

 

 

About Kim Delatorre

Kim Delatorre is a mommy to three beautiful, smart kids and wife to an amazing husband of 24 years! She enjoys reading, writing, spending time with her family, and blogging.

Reader Interactions

Comments

  1. Kimberly M. says

    December 5, 2011 at 9:00 pm

    I like that there are so many billers to chose from.

  2. Pauline M says

    December 5, 2011 at 8:59 pm

    I like that your not paying the 500% interest like at the payday loan places. I’ve never tried these, but I’ve seen my girlfriend end up in worse shape using those services and personally, they would scare me silly. This is a very nice alternative.

  3. julieh says

    December 5, 2011 at 7:11 pm

    I like that it gives you more time to pay your bills

  4. mary gardner says

    December 5, 2011 at 7:05 pm

    i really like that it is safe and secure

    marygardner49 at aol dot com

  5. Morgan E. says

    December 5, 2011 at 6:25 pm

    I love the automatic pay form your bank option!

  6. Jammie says

    December 5, 2011 at 7:08 pm

    I like how they have it were you can pay them back in 30 days.

  7. kolpin says

    December 5, 2011 at 5:48 pm

    i love the high level of encryption

    kolpin4680 at gmail dot com

  8. Kayla says

    December 5, 2011 at 5:29 pm

    I like that its secure.

  9. Julie Moe says

    December 5, 2011 at 5:28 pm

    I like that they have over 2,500 billers.

  10. Dani says

    December 5, 2011 at 6:24 pm

    I love the ability to avoid late fees.

  11. R Hicks says

    December 5, 2011 at 4:39 pm

    I like they only charge 3$ interest!
    brich22 at earthlink dot net

  12. AuraR says

    December 5, 2011 at 3:25 pm

    I like that there are over 2500 billers available

  13. Theresa H says

    December 5, 2011 at 8:39 am

    I like that it is secure and cheaper than payday loan places

  14. BusyWorkingMama says

    December 5, 2011 at 7:48 am

    I learned they have a $14.99 processing fee.

  15. daniel healey says

    December 5, 2011 at 7:31 am

    I like the automatic repayment system

  16. Susan Smith says

    December 5, 2011 at 4:54 am

    To be able to pay back up to 30 days later

  17. Christina says

    December 4, 2011 at 9:26 pm

    You can pay bills back in 30 days (plus it’s always there if you have an emergency).

  18. Amanda says

    December 4, 2011 at 6:53 pm

    i like the billfloat feature

  19. Debra F says

    December 4, 2011 at 5:04 pm

    This is a great way to avoid late fees.

  20. Catherine L. Petersen Peters says

    December 4, 2011 at 3:41 pm

    I like that it is private

  21. Sherrie says

    December 4, 2011 at 2:26 pm

    BillFloat looks like a seamless, hassle-free helping hand for when unexpected emergencies arise. (Life happens!)

  22. Theresa DeRosa says

    December 4, 2011 at 4:37 am

    I like that the interest rate is only 3%.

  23. Tara says

    December 3, 2011 at 6:42 pm

    I like that interest is only 3%

  24. nanjhall says

    December 3, 2011 at 5:38 pm

    I like that it lets you avoid late charges and overdrafts.

  25. Jill Myrick says

    December 3, 2011 at 5:05 pm

    I like that in case of an emergency it is there if you need it.

    jweezie43[at]gmail[dot]com

  26. Roxy says

    December 3, 2011 at 5:13 pm

    i like that you can avoid paying late fees

  27. Geri S says

    December 3, 2011 at 11:54 am

    I LIKE that your payment is safe and secure

  28. Melissa Rio says

    December 2, 2011 at 8:27 pm

    I love that they give you 30 days to pay back.

  29. Donna L says

    December 2, 2011 at 12:01 pm

    I like the fact that it’s a private and secure application process.

  30. patricia says

    December 1, 2011 at 9:13 am

    A great feature is that you can avoid paying overdraft fees or late fees.

  31. joni says

    November 30, 2011 at 11:27 pm

    I love the Pleasant Bay Painted Wood Porch Swing

  32. joni says

    November 30, 2011 at 11:18 pm

    You can pay them back up to 30 days later.

  33. Katydid says

    November 30, 2011 at 7:32 pm

    You can pay 30 days later

  34. Gianna says

    November 29, 2011 at 11:23 pm

    Interest on the dollar amount of the loan that is equal to 3% per month (that’s just a 36% APR).

  35. Lisa Smith says

    November 29, 2011 at 7:57 pm

    I like that it automated!

  36. Wanda McHenry says

    November 28, 2011 at 9:26 pm

    I like that it can avoid you late fees and overdrafts if you don’t have the money

  37. clynsg says

    November 28, 2011 at 11:39 am

    The best thing is the ability to pay the bill at the creditor’s, while still being able to delay the actual spending of the money a few days.

  38. Niecey Docherty says

    November 27, 2011 at 9:32 pm

    I like the fact that you get up to 30 days to pay

  39. Nadine L says

    November 27, 2011 at 6:34 pm

    I love that you have up to 30 days to pay them back

  40. Cynthia Pickett says

    November 27, 2011 at 2:00 am

    I like the referral rewards program!

  41. NAN says

    November 26, 2011 at 9:33 pm

    I LIKE THAT IT IS ONLY 3% INTEREST A MONTH
    nannypanpan at gmail.com

  42. Elizabeth K says

    November 26, 2011 at 6:07 pm

    I like that they send your payment directly to the biller.

  43. Barbara M says

    November 26, 2011 at 4:40 pm

    I really like this – Safe and secure – Bank-level Security and 24/7 Monitoring.
    Thank you.
    email in blogger profile

  44. Rita M says

    November 26, 2011 at 1:35 pm

    I like that they reward you for referrals!

  45. Austin says

    November 26, 2011 at 12:20 pm

    In the entry I got my twitter name wrong….its asauce3. 🙂

  46. Janet Jackson says

    November 25, 2011 at 3:32 pm

    avoiding interest and late fees is stellar!

  47. Lauren says

    November 25, 2011 at 1:32 pm

    I like all the different billers they service.

  48. Karen says

    November 25, 2011 at 12:43 pm

    I like that there are no hidden fees or fine print, and you always know exactly what you will pay when you apply to extend a bill.

  49. Rebecca Weaver says

    November 23, 2011 at 11:47 am

    Paying bills right away to avoid interest.

  50. Roxy says

    November 23, 2011 at 11:32 am

    I like that they help you with a bill when you can’t make the payment on time

  51. Stephanie Showalter says

    November 22, 2011 at 9:10 pm

    I like that you avoid high interest rates and late fees!

  52. Heather S says

    November 22, 2011 at 7:33 pm

    I like that it is a secure application

  53. Yona says

    November 22, 2011 at 5:47 pm

    I like that they would with Paypal.

  54. bridget3420 says

    November 22, 2011 at 4:04 pm

    I love that there are no late fees

  55. Tania Bugnet says

    November 22, 2011 at 12:20 pm

    I like that you can avoid paying late charges or overdrafts

  56. Athena says

    November 22, 2011 at 7:25 am

    I love the convenience

  57. Regina says

    November 21, 2011 at 9:00 pm

    They help people with unexpected expenses and have the 30 day plan’
    tarter95 at hotmail dot com

  58. Casey Lynn Everidge says

    November 21, 2011 at 5:37 pm

    you wont have to pay late charges or get behind because they will pay your bill!

  59. Yidi T says

    November 21, 2011 at 10:27 am

    repay plans
    yidijia(at)gmail(dot)com

  60. Allie says

    November 21, 2011 at 11:21 am

    Wow, they have over 2500 billers that they work with!

  61. trishden says

    November 21, 2011 at 7:10 am

    I like that you can defer your payment without late fees. Thanks for a great giveaway!

  62. Cynthia R says

    November 21, 2011 at 6:16 am

    like the low bill payment processing fee + 3% interest

  63. Cindy Merrill says

    November 21, 2011 at 12:55 am

    To have 30 more days to pay would really help us out!

  64. Judith VanAlphen says

    November 20, 2011 at 10:50 pm

    I like not having to worry about late payments

  65. Kathryn Costa says

    November 20, 2011 at 8:54 pm

    Its safe and secure.

  66. Suzanne K says

    November 20, 2011 at 3:24 pm

    I like that they have a private and secure application process

  67. Sammi says

    November 20, 2011 at 1:54 pm

    that you get 30 days to pay back!

  68. Mary Casper says

    November 20, 2011 at 11:55 am

    tweet mary casper

  69. Heather E says

    November 20, 2011 at 9:39 am

    I like that they have a referral program!

  70. Brandy says

    November 20, 2011 at 10:10 am

    I love that BillFloat allows you 30 days to pay for a bill. Sometimes this comes in handy for me being self employed – I am constantly waiting for money to come in & occasionally need a short term loan like this to front for bills.

  71. Charlotte Varner says

    November 20, 2011 at 6:27 am

    I like that it’s a private and secure application!

  72. Pauline Milner says

    November 19, 2011 at 11:03 pm

    I like that Billfloat will pay your bill so you can avoid late fees and surcharges, which can be very high on some bills. It seems to be a really good service that they offer, but you have to be mindful of their fees and make sure their fees are not more than the surcharge you would pay on the bill for being a few days late.

    Thanks for introducing this service. For some people, it could be very helpful.

  73. Tina Renee Barker says

    November 19, 2011 at 7:14 pm

    I love that Bill Float received the VeriSign security seal for encrypting all personal and financial information using 128-bit Secure Socket Layer (SSL) encryption.

  74. Huguette English says

    November 19, 2011 at 6:48 pm

    I like the interest rate

  75. Geoff K says

    November 19, 2011 at 6:46 pm

    I love that there are no hidden fees and only a 3% interest rate – it’s refreshing to see a loan service stand by a policy of transparency!

  76. Rochelle says

    November 19, 2011 at 6:07 pm

    I like that they have Bank-level security and 24/7 monitoring. Thanks!

  77. mrsshukra says

    November 19, 2011 at 5:30 pm

    I like that BillFloat is a great way to avoid late fees or the crazy rates at pay day loan centers. The way BillFloat works is simple — they pay your bill now, we pay them back later.

  78. Lindsay S says

    November 19, 2011 at 3:54 pm

    I like that they help you post-pone bill payment as many as 30 days.

  79. Small Footprints says

    November 19, 2011 at 4:45 pm

    I like that they (more or less) help you with a bill when you can’t make the payment on time … in effect, they give you 30 additional days. Very cool!

  80. andrea d says

    November 19, 2011 at 3:33 pm

    i like that there are a ton of billers to choose from

  81. Kathy S says

    November 19, 2011 at 2:24 pm

    They pay your bills and then you pay them back.

  82. Lisa Poverud says

    November 19, 2011 at 2:32 pm

    That you can pay them back in 30 days!

  83. D Schmidt says

    November 19, 2011 at 1:01 pm

    It is great they have bank level security and monitoring 24/7

  84. Kimberly O'Hanlon says

    November 19, 2011 at 12:50 pm

    I like that it helps avoid late fees – they can really add up! Thanks for the giveaway!

  85. Pinky Sade says

    November 19, 2011 at 12:32 pm

    I like that You pay them back up to 30 days later

  86. paige chandler says

    November 19, 2011 at 12:15 pm

    I like they pay bills up to #225.

  87. Betsy Hoff says

    November 19, 2011 at 11:51 am

    It’s affordable!

  88. Sarah Hirsch says

    November 19, 2011 at 11:47 am

    i like that they can pay pretty much any bill (up to $225)

  89. JaKell Meckley says

    November 19, 2011 at 10:46 am

    it gives you time to pay your bills so you don’t get late charges or additional fees on them.

  90. Jessica T. says

    November 19, 2011 at 10:39 am

    I like that it helps you to avoid late fees.

  91. Stacey Dempsey says

    November 19, 2011 at 10:24 am

    i lke that there are over 2500+ billers to choose from lots of choices
    staceyx at telus dot net

  92. Natalie U says

    November 19, 2011 at 10:07 am

    I like that you can take the 30 days to pay back
    pedidentalasst at yahoo dot com

  93. Tracie Trump says

    November 19, 2011 at 9:42 am

    Love that you have 30 days to pay back! [email protected]

  94. Tamara B. says

    November 19, 2011 at 9:26 am

    I like that have alot of my bill payers that I could use it for.

  95. Owen's Mom says

    November 19, 2011 at 10:01 am

    I like they have a flat late fee per month as opposed to the bank fees daily.
    andrea.kruse at gmail dot com

  96. Linda says

    November 19, 2011 at 8:59 am

    I like that you avoid high interest rates

  97. Marlene V. says

    November 19, 2011 at 8:22 am

    I like that On average, it takes two to four business days from the time that your application is approved by BillFloat until the funds will appear in your biller account.

  98. gibberish says

    November 19, 2011 at 7:06 am

    I like that they have over 2500 billers listed to choose from.

  99. marilynsMoney says

    November 19, 2011 at 6:51 am

    You pay us back up to 30 days later

  100. Belinda McNabb says

    November 19, 2011 at 6:47 am

    I like that you you just need a bank account to apply

    bluebelle0367(at)hotmail(dot)com

  101. Cynthia Conley says

    November 19, 2011 at 6:01 am

    To be honest, I don’t think it’s something I’d ever use, but I guess it would be OK if you were facing late fees.

  102. Patty White says

    November 19, 2011 at 5:13 am

    I like that there is 2500+ billers to choose from!!!!

  103. Kristie says

    November 19, 2011 at 5:21 am

    I like that it pays your bills and gives you more time without getting a late fee.

  104. Stephanie V. says

    November 18, 2011 at 10:56 pm

    pay them back up to 30 days later

  105. Carolsue says

    November 18, 2011 at 10:48 pm

    I like the BillFloat referral program – you share BillFloat and get rewards.
    Digicats {at} Sbcglobal {dot} Net

  106. Amber says

    November 18, 2011 at 9:06 pm

    I love how they have so many partners so you can consolidate everything and they make the language on the site easy for everyone to understand.

  107. Dana says

    November 18, 2011 at 9:03 pm

    i like that you can save money when you consider late fees and such

  108. SnowflakeDay (Audra) says

    November 18, 2011 at 8:51 pm

    I like that it would be a good service for younger people just starting out. I think when you’re at your first job and just getting the hang of finances, it’s easy to make a mistake and forget to set money aside for a certain bill. Nobody wants to have their power or water turned off. Their site seems easy to navigate and straightforward.

  109. Elena says

    November 18, 2011 at 7:53 pm

    The fact that you can pay them back up to 30 days later sounds good

  110. Janice Cooper says

    November 18, 2011 at 7:52 pm

    I like that it pay your bills from over 2,500 billers nationwide

  111. Tina M says

    November 18, 2011 at 7:52 pm

    I learned BillFloat supports around 70% of the checking accounts and savings account in the US.

  112. Jessie C. says

    November 18, 2011 at 7:46 pm

    to be able to pay back up to 30 days later sounds good.

  113. Rebecca Shockley says

    November 18, 2011 at 7:05 pm

    That you can pay them back in 30 days!

  114. Douglas Houston says

    November 18, 2011 at 6:34 pm

    They have a couple of thousand billers listed

  115. Margaret Smith says

    November 18, 2011 at 6:26 pm

    I really like that you can avoid paying late charges.
    Thanks so much.

  116. Mami2jcn says

    November 18, 2011 at 6:18 pm

    I like the fact that you avoid high interest rates and late fees.

  117. Pat says

    November 18, 2011 at 6:16 pm

    I like that it is a private and secure application process.

  118. Marcie W. says

    November 18, 2011 at 6:11 pm

    I love that there are over 2500+ billers to choose from!

  119. Sonya Morris says

    November 18, 2011 at 4:49 pm

    I like the repayment to them happens automatically from your bank account.

  120. Kat F. says

    November 18, 2011 at 4:31 pm

    I like that it’s a private and secure application process.
    fastkat at gmail dot com

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