It’s America Saves week – the perfect time to get on track financially and jump-start your savings. I was in a similar situation starting back in 2008 when I almost lost my house because PNC bank qualified me for a Home Modification and then turned me down after 2 years of going back and forth with paperwork.
To see our content at its best we recommend upgrading if you wish to continue using IE or using another browser such as Firefox, Safari or Google Chrome. In the old days of marketing one would buy as much advertising and promotion as one’s budget allowed. The money would go towards interrupting potential customers with a hopefully compelling offer. With enough money a business could interrupt enough folks that it worked. Giant firms would spend millions of dollars a year to interrupt sporting events, for instance, for a few seconds to promote themselves. Smaller firms would send post cards, buy newspaper advertising, do some cable TV ads, maybe even cold call their neighbors during dinner.
Businesses have realized that they don’t fully control their brand in the age of social media marketing. Instead, let your happy customers tell the world about you through check-ins, ratings, reviews, and social media shout-outs.
Not only does social media marketing bring in new revenue it also allows you to reduce your marketing spend.
Your company will be able to trend down on the percentage of budget that goes towards paid interuptive advertising. Buying your items in bulk will save you both money and precious time since you won’t have to go to the store as often.
Moving your thermostat lower or higher by just two degrees can mean significant changes to your energy bills (around 10%). Spending $15 a week on coffee and a muffin can cost you $780 over the course of a year, so grab the best coffee beans from the grocery store and make it at home. Take the time to cook your own food and you’ll not only end up spending less, but you’ll also eat healthier since you can control everything that goes into your meals. Test out the public transportation near you to see if you can cut costs by taking the bus or train to work. At the end of every day, empty your pockets or purse of any loose change and put it in a jar.
Leasing a car is an expensive ordeal that is almost a complete waste of money.  New cars begin depreciating the moment you drive them off the lot, so save some cash and go with a used car.
When interest rates rise, bonds are discounted more because you need a less expensive bond to achieve the same interest rate. NatWest is offering Cashback Plus credit card-holders 5pc cashback on all spending in department stores (online or in store) between January 1 and March 31, 2015, while Santander 123 credit card holders can earn cashback on everyday spending, including 1pc cashback at all major supermarkets, 2pc cashback at major department stores and 3pc cashback at all major petrol stations, National Rail and TFL.
But think carefully about what you actually need: Just because you’re buying something in bulk doesn’t mean it’s useful.
While we’re discussing insurance, you could also try raising your deductible: You might be able to shave off 15-30% of your annual costs.

Stick to renting movies and save going out for special occasions, or for movies you really want to see on the big screen. If you’re not close to public transportation, see if you can organize a carpool with co-workers or friends who live nearby. When the month is over, put the accumulated change in your bank account – you’d be surprised at what you can save! This content may not be used, distributed, syndicated, compiled or excerpted in any medium or form without written authorization from Think Glink, Inc. Kick your bad habit completely or begin cutting back to see more cash in your pocket (your health insurance will thank you as well). For instance, Morrisons and Tesco are both offering packs of eight 330ml cans of Coke Zero for A?3, or two for A?5. Use balance transfer credit cards to transfer debt from your current credit card that charges a high rate of interest, to one that charges 0pc interest. Barclaycard's Platinum credit card is currently offering 0pc for 35 months, with a one-off fee of 2.49pc. Keeping pots of herbs in your kitchen can save you money on having to repeat purchase packs of herbs. A basil plant costs A?1.25 at Sainsbury's, and will survive as long as it gets sunlight and water, and is kept away from draughts in winter. Make sure you delete your cookies (which can normally be found under Tools – Options on your browser) after visiting each site as prices often go up if you visit a website multiple times.
If you have a big event in 2015 but don't want to fork out for a new outfit you'll only wear once, there are a number of websites you can go to to hire a new dress, for a fraction of the cost of a brand new one. Savings rates are continuing to tumble, meaning we must now work harder to get decent returns on our money.
Banks and building societies are offering their customers the chance to earn as much as 5pc on the money they hold in their current account. Even after tax is deducted, it is likely you'll earn much more interest with a current account than with an Isa. If you watch catch-up TV you do not need a licence, so BBC iPlayer, Channel 4 on Demand and ITV Player are all free to use if you are watching shows that have already been broadcast. You also do not need a licence for watching DVDs and videos or to stream Netflix and Lovefilm. It costs around 10.5p to use a slow cooker for around eight hours, while using an oven will cost far more at 30p for one hour. Check to see if your children are entitled to any benefits, including free school meals and uniforms for children. Lobby group claims that the average British consumer gulps their way through A?25,000 of bottled water in a lifetime. The early repayment fees could be crippling if you need to move house before the term of your mortgage ends. People are using their loyalty cards less, but using a supermarket loyalty scheme could save you money on your weekly shop.

Tesco's ClubCard, Sainsbury's Nectar Card and Boots Advantage card, among others, offer points for every item purchased in store.
Every point earned equates to 1p worth of vouchers, so 500 points will be exchanged for a A?5 voucher.
In 2012, the Energy Saving Trust revealed that across the UK, households were spending between A?50 and A?86 a year on gadgets in a "non-active" or standby state, equivalent to 9pc to 16pc of the average electricity bill. Once you've read a book, you can swap it with someone else for a a book of theirs that you haven't read yet, rather than paying for a new one. Alternatively, charity shop books are very good and of course, always check your local library or ask if they can order the book you want. Save money on buying take-aways, which you can make yourself or buy from the supermarket much cheaper.
A teenager from Essex found fame in 2013 for "Extreme Couponing" which saw him pay 4p for a A?600 shop at Tesco. Another extreme couponer, Natalie Cooper, saves around A?150 a month on her shopping bills by using coupons and discount codes.
The Government-backed Green Deal scheme has been overwhelmingly popular since it first launched last year. The scheme helps home owners make energy-saving improvements to their properties by offering loans which can be repaid through a home owner's energy bills. If you are an investor, buying a "passive" or "tracker" fund is typically much cheaper than buying tradiitional funds, as there is no need to pay a professional to manage your money. Numerous studies have suggested that vast numbers of professional investors fail to beat the average return from the market in which they specialise. For instance, a tracker fund can cost as little as 0.1pc where an "active" fund typically charges 1pc. You can browse High Street and online retailers using the websites and once you buy an item, you will receive a percentage of the value of your shopping as cashback which will be paid into your account. Energy companies claim that smart meters can cut bills by up to A?150, by giving owners more control over their heating. Our poll of more than 170 readers who had installed a smart meter revealed that the majority of people (58pc) had saved less than A?50, but the rest (42pc) had saved between A?50 and A?250. Put your money into Pensioner Bonds In March, the Chancellor announced the launch of new Pensioner Bonds to help older savers cope with rock-bottom interest rates. The bonds, which will be released in January, will pay 2.8pc for one year and 4pc for three years. The interest rates are almost double those available on comparable accounts offered by banks and building societies.

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