
Published:Thu, 26 Aug 2010 14:13:40 -0700
New rules regulate how and when credit card companies can charge you fees. Get the story.......
Published:Fri, 27 Aug 2010 11:32:05 -0700
Credit card balances and defaults are down across South Carolina, but consumers in the Charleston area are carrying more credit card debt than other parts of the state, according ......
Published:Sat, 28 Aug 2010 19:51:31 -0700
In this era of high unemployment, flat home prices and do-it-yourself retirement savings, some traditional rules of saving and investing are due for an overhaul. Games - Card Game......
Published:Sun, 29 Aug 2010 00:26:24 -0700
Last stage of reform eliminates many charges that sapped value from gift cards and curbs penalties for late payments and lack of use. Dont look now but a funny thing is happening ......
Published:Sun, 29 Aug 2010 00:26:14 -0700
Also: Blocking access to credit reports, and the right place to get a free report. Dear Liz: I am a 27-year-old contractor now working in Iraq. Ive paid off all the outstanding cr......
/2010-06-17/
How to save money on phone bills and other cell phone utilities
Expenses on utilities contribute to most of your household bills. Did you know that you could save a lot of money through your utilities? Here are some pointers to help you do this:
1. Identify which appliances consume much electricity and contribute the most in making the electric bill cost that much. You can save hundreds of dollars annually by enrolling in a home management load program that offer a 100-dollar savings in a year on electric utility hour rate programs. This will help you lower your electric payments and will teach you on home energy conservation.
2. It is recommended that you have improved appliance efficiency. The heating system appliances are the ones that consume too much electricity. The refrigerator and the water heater consume that much energy as well. Make sure to check these items regularly to ensure their efficiency. A well-maintained appliance will sustain its performance and will give you it's accurate use of electricity.
3. Always remember to give your furnace a tune up at least twice a year. You have to cover the water heater to insulate it and give your refrigerator coils a cleaning at least twice a year as well. You may also set a timer for the heater to have regular flow of electricity whenever it is in use. You may call your utility service to check if there is a low rate offered during any specific time of the day.
4. You may also save money by lowering your heating bills. You may set your thermostat down three degrees to make you save 3 percent on your bills. You may even save more by not using it while you are at work or you can even turn it lower during nighttime when you are asleep. This can help you conserve electricity and save more money.
5. You may want to lessen your long distance telephone calls to lower your telephone bills. If it is a need to call a very important person, you may call during weekends and night hours. Telephone companies offer a lower rate for long distance calls during those times of the day. The best alternative to save money is by using the Internet to communicate with your friends and relatives instead of the telephone.
6. You may want to consider lowering your water bills in order to save money. Check if there are leaks so that you may fix them immediately. You may put a water saving showerhead to lessen the use of water when taking a shower. You can use a big container to stock water in the bathroom as an alternative rather than using the shower in the bathroom.