It’s the little things—that can save you a ton of money this year. Here are six of them that I’d like to share with you!
Cancel a service – Take a look at your monthly credit card and bank statements. Are you paying a monthly fee for a service that you hardly use? Or can you find the service somewhere else for free? For example—paying a monthly fee to Netflix when you can get it from the library. Or paying a fee for a service that you didn’t remember that you had in the first place.
Use every ounce – Just when you think your mayo container is empty, it’s really not — because you’ll find at least a couple of servings left at the bottom of the squeeze bottle. Same goes for shampoo and toothpaste. As a test, a friend of mine made it a habit of turning the shampoo bottle upside down and emptying what’s left into another bottle just to see how much gets thrown away. She was able to get two months’ extra supply of shampoo from the ‘empty’ bottle.
Watch your ATM Fees – If you have to pay an ATM fee, take out more money than needed because you’ll be paying the same fee whether you take out $20 or $120. Another way to save money is use your debit card at a grocery store. Buy what you need and use the “cash back” button to avoid bank fees altogether.
Don’t buy more than you need – Unless it’s a super-duper sale, buy only what you need. You are spending your hard-earned money “now” for things you “may need” in the future.
Create a no-spend weekend – For one weekend per month, don’t spend any money—that means your credit card too.
Save dollar bills – This is kinda corny, but examine the serial number of your dollar bills. Save the ones that begin with the letter A. You can do the same thing with coins. Put them in a money jar at the end of each day. Then take it to the bank and deposit it into a savings account so you are not tempted to spend it.
Published by Heather Paige Moody
Welcome! I'm Heather ( AKA: Paige) Moody . A Little About me: I was born and raised in a small town in Eunice, Louisiana where I started my first mortgage company in 2005 at the age of 21 years old. Since 2005 I’ve grown to know everything when it comes to the industry, from owning a mortgage company, processing loans, mortgage underwriting rules, to now managing.
Why I’m in the Mortgage Business:
My family has a history of Banking and real estate . I could see at an early age how satisfying the real estate profession was for them, so I started off as a Real Estate agent and quickly realized that the mortgage side was my passion.
I am a mother of 4 very active kids that have been/ are being raised in the Real Estate /mortgage world. I have always said that their first baby blanket was a file folder.
I love to be able to teach that going the extra mile for others is such a blessing to us as well as the other person. Most importantly that no matter what the obstacle is that we must work hard and give it our all in all that we do. Our family lives at a field or a gym for most of the year. Between baseball, cheer, volleyball, football and anything they can possibly sing up for, I have developed little-known disease called Bleacher Butt.
When I am not working ( or should I say.. not behind my desk) or attending an event for one of the kids . I really enjoy bible studies , reading and listening to podcast. My children go to 2 different schools and I am so blessed to be part of two Mom’s in Prayer groups. It is a National Organization that Moms can get together to pray for our children and our school.
As the Southern Mortgage Mom, I help homebuyers and Real Estate Agents make the Mortgage buying process as stress free as possible. I have been called the miracle worker by clients and agents( on occasion) because I have saved some mortgage loans that others have denied . It has nothing to do with miracles , but all to do with knowing how to get a loan approved.
If I am lucky enough that you chose me or my team as your go to lender, I promise that I will be fair, I will be honest and you will feel like family when you sign the final papers and I will keep in touch (till you tell me not to) long after the mortgage loan is closed. Looking forward to working with you when it comes time to buy a home or refinance your current mortgage.
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