It doesn’t matter how smart you are, sometimes your bill comes and you wonder what the hell happened. Sometimes, your bill is really your bill, other times though, you have accumulated all sorts of stupid costs that you could have avoided, here’s an example of such costs:
1. Traffic Tickets: You may have been in a rush that one time and missed the speed sign or the no parking sign, how do you miss it five times though? The only solution here is to be more careful, that $200 ticket could cost you more than a mere 200 dollars, it could cause your car insurance rates to rise. And besides, is getting to that meeting worth more than your life? Think what would happen if you caused an accident…or ignore that and just think of the amount of gas you are wasting.
2. Late Payments: Sometimes you may forget that you have that one bill and you get charged hella crazy interest for it. Poor organization skills are the root cause of this…well unless you have the memory of a warthog. Keep a list of expected payments and pay them all at once, or organize with your bank and pay your bills immediately as they come.
3. Subscriptions: Ever seen a drop-dead funny web page and decided to subscribe? Even knowing that the next chance you will get to read those jokes again is next Christmas? Subscriptions renew themselves since the web page owner need to make money too, thus tapping into your kid’s college fund. Review all such subscriptions and think whether you really do need them, in this instance, I think 111 have to follow my own advice.
4. Bank Fees: Have you ever wanted a burger so damn much, that even knowing you were flat out broke because it’s that time of month, you still went to the nearest atm and got an overdraft? Leave a little cushion money to avoid overdraft expenses and find a bank that pays interest on your balances, they are everywhere nowadays. Try to keep to your budget and not overspend or find yourself over-drafting for a burger.
5. Haggling discounts: If you are too shy to haggle, take your annoying grandmother with you, she’s got your back, trust me, I would know. Haggling may not be common but in some instances, you just have to For example, while buying antique. Antique dealers determine prices arbitrarily, giving you an opportunity to bargain. Car dealers also expect you to bargain and will sell at a price lower than the named one if you make your case…or if you let your grandma do it for ya.