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Money Saving Tips For The Holidays

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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.

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Comments

  2. Pauline M says

    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.

  21. Sherrie says

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

  25. Jill Myrick says

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

    jweezie43[at]gmail[dot]com

  37. clynsg says

    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.

  43. Barbara M says

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

  48. Karen says

    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.

  57. Regina says

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

  70. Brandy says

    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.

  72. Pauline Milner says

    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

    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.

  75. Geoff K says

    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!

  77. mrsshukra says

    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.

  79. Small Footprints says

    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!

  89. JaKell Meckley says

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

  91. Stacey Dempsey says

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

  95. Owen's Mom says

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

  97. Marlene V. says

    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.

  101. Cynthia Conley says

    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.

  105. Carolsue says

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

  106. Amber says

    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.

  108. SnowflakeDay (Audra) says

    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.