Get More For Your Money
Debt consolidation can lower monthly payments to put more money back in your pockets.
Attend Local Sporting Events
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- Check Out the School System
One factor in the determination of housing costs is the school system. Homes in towns with good schools can sell for 20-30% more than an equivalent house in a town with a poor school system. Always buy the home in the town with the best school system. To learn more about the demographics of the town you're considering, talk to local realtors or their websites for the latest on everything from school systems to proposed property tax hikes.
- Memory Lane
If you can track down enough childhood, high school, or college friends of the gift receiver, try making an audio or video tape where each recalls shared memories of their school days together. Collect copies of any photos they may have and accompany with a photo album if possible.
- Shop after "Back to School Sales"
Since retailers often overstock for "Back to School" sales, sometimes you can get a better bargain by waiting until after school has started. Your child doesn't have to wear their whole wardrobe or use all their supplies on the first day of school, so save some shopping for a week or two after classes have resumed.
- High Fives on Re-fi's
If you currently have a high-rate mortgage, consider refinancing. A $100,000 loan at 9 1/2% refinanced to 7 1/2% saves $142/month or $1,704/year, for a total of $50,991 over the life of a 30-year mortgage.
- Check the Paper for Community Events
If your family is bored with lazing around the house, watching television and playing video games, why not attend local festivals and events instead? Throughout the year, most communities have free exhibits, demonstrations, and performances that are perfect for adults and kids alike. Remember to eat before you go, so you don't spend money on over-priced snacks and drinks.
