Money Magazine | Avoid Enticing Advertisements To Lend You Money At Incredible Rates
Money Saving Tips | Find Out The Cost Of Repair Over That Of Purchasing A New One
77. Annual Maintenance
Make a list of all annual maintenance items for your home such as air conditioner, heater, hot water heater, etc.
Once again, being prepared and working in a proactive manner can save you unnecessary expenses. If you take care of your air conditioner by getting an annual tune up then you lower the risk of something going wrong during the hot summer months when it will be quite costly to repair.
78. Borrowing Money
Unless you have an emergency, avoid those enticing advertisements to lend you money at incredible rates. Banks and lending institutions make it much too easy to borrow money and especially during the holidays, they flash all their great advertisements drawing people in.
Afterwards, you have borrowed money that you could have done without and now you are locked into a five-year repayment contract. If you want a new car or boat, it is better to save.
If you do need a new car, avoid brand new cars, which lose massive amounts of appreciation the minute you drive off the lot. Instead, look for something a year or two old where you will still have a nice car but much more in line with an appropriate cost.
79. Repair versus Replace
Instead of spending $1,000 on that beautiful new couch, you might consider one of two options. If your couch frame is still good, you might spend $300 to have it recovered or purchase a quality slipcover for $100. Your couch will look brand new for much less, than it would to replace.
Another example would be if you have a lamp that you want to replace. Consider painting it and adding a new shade rather than spending money to buy a brand new one.
Perhaps you have a washer, dryer, or refrigerator that is running a little sluggish. Find out the cost of repair over that of purchasing a new one. Even if you have an appliance with the wrong color, businesses offer fantastic paint jobs. With a little creativity, you will be amazed at how much can be repaired, thus saving you money.
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