Here's a second tip: Be proactive about managing your credit. Call up your lender and ask it to lower your interest rate. Usually, lenders will lower callers' rates by 2% to 3%, says Scott Gamm, founder of HelpSaveMyDollars.com. Also check your credit report. You can check your credit for free at annualcreditreport.com, for example. If you see mistakes, contact the credit agencies and get those mistakes corrected. If errors are dragging down your score, eliminating them can boost it to where it belongs and make you eligible for better rates.
2. Think automation
Free online banking tools can make it easier to manage your finances with less work. To help grow your savings, for example, you can schedule regular transfers from your checking account. Manisha Thakor, author of Get Financially Naked: How to Talk Money With Your Honey, suggests setting up the transfer of a set amount of money into your savings account every pay day.
Also automate recurring bill payments so you never miss a due date or pay a late fee, which sends money down the drain. Even without late fees, timely payments are key: 35% of your credit score is based on your ability to make payments on time. If you sign up for automatic payments, however, make sure to check your monthly bills for errors. One other caveat: "Make sure you have enough cushion in your checking account to avoid any overdrafts" before setting up auto-payments, money coach Lora Sasiela says.
A mobile expense tracker is a great tool to have and is probably the best way to track expenses because, whenever you spend anything, you could quickly enter it into your mobile phone. This way, there’s no chance of forgetting later. Toshl is a mobile expense tracking app that can help you track your spendings on iPhone, Android, Maemo and Symbian phones. The interface is good, you can instantly enter values, sync them to your Toshl.com account, and even sync multiple phones.
The data can be easily exported in various formats to your computer. The apps, and the online account is free, and you can grab extra features for an yearly pro membership.
Toshl uses SSL encryption so that the data is safe and secure. You can also tag your expenses, analyze the trends in your spendings and do much more with this app.
Demo video:
Features
- Mobile expense tracking software.
- Free apps for iPhone, Android and Symbian phones.
- Sync and backup data to the online account.
- Similar tools: Xpenser.
Check out Toshl @ www.toshl.com (By Abhijeet from GT Resources)
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Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>
With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.
The State <b>News</b> :: The Snyder Effect
Gov. Rick Snyder, who took office Jan. 1, repeatedly has said K-12 and higher education and retaining young people in the state are priorities for his administration. But until Snyder releases concrete numbers as part of his budget ...
Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>
Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."
bench craft company reviews bench craft company reviews
Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>
With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.
The State <b>News</b> :: The Snyder Effect
Gov. Rick Snyder, who took office Jan. 1, repeatedly has said K-12 and higher education and retaining young people in the state are priorities for his administration. But until Snyder releases concrete numbers as part of his budget ...
Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>
Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."
bench craft company reviews bench craft company reviews
Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>
With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.
The State <b>News</b> :: The Snyder Effect
Gov. Rick Snyder, who took office Jan. 1, repeatedly has said K-12 and higher education and retaining young people in the state are priorities for his administration. But until Snyder releases concrete numbers as part of his budget ...
Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>
Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."
bench craft company reviews bench craft company reviews
Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>
With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.
The State <b>News</b> :: The Snyder Effect
Gov. Rick Snyder, who took office Jan. 1, repeatedly has said K-12 and higher education and retaining young people in the state are priorities for his administration. But until Snyder releases concrete numbers as part of his budget ...
Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>
Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."
bench craft company reviews bench craft company reviews
Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>
With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.
The State <b>News</b> :: The Snyder Effect
Gov. Rick Snyder, who took office Jan. 1, repeatedly has said K-12 and higher education and retaining young people in the state are priorities for his administration. But until Snyder releases concrete numbers as part of his budget ...
Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>
Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."
bench craft company reviews bench craft company reviews
Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>
With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.
The State <b>News</b> :: The Snyder Effect
Gov. Rick Snyder, who took office Jan. 1, repeatedly has said K-12 and higher education and retaining young people in the state are priorities for his administration. But until Snyder releases concrete numbers as part of his budget ...
Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>
Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."
bench craft company reviews bench craft company reviews
Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>
With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.
The State <b>News</b> :: The Snyder Effect
Gov. Rick Snyder, who took office Jan. 1, repeatedly has said K-12 and higher education and retaining young people in the state are priorities for his administration. But until Snyder releases concrete numbers as part of his budget ...
Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>
Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."
bench craft company reviews bench craft company reviews
Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>
With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.
The State <b>News</b> :: The Snyder Effect
Gov. Rick Snyder, who took office Jan. 1, repeatedly has said K-12 and higher education and retaining young people in the state are priorities for his administration. But until Snyder releases concrete numbers as part of his budget ...
Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>
Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."
bench craft company reviews bench craft company reviews
Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>
With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.
The State <b>News</b> :: The Snyder Effect
Gov. Rick Snyder, who took office Jan. 1, repeatedly has said K-12 and higher education and retaining young people in the state are priorities for his administration. But until Snyder releases concrete numbers as part of his budget ...
Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>
Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."
bench craft company reviews bench craft company reviews
Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>
With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.
The State <b>News</b> :: The Snyder Effect
Gov. Rick Snyder, who took office Jan. 1, repeatedly has said K-12 and higher education and retaining young people in the state are priorities for his administration. But until Snyder releases concrete numbers as part of his budget ...
Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>
Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."
bench craft company reviews bench craft company reviews
Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>
With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.
The State <b>News</b> :: The Snyder Effect
Gov. Rick Snyder, who took office Jan. 1, repeatedly has said K-12 and higher education and retaining young people in the state are priorities for his administration. But until Snyder releases concrete numbers as part of his budget ...
Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>
Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."
bench craft company reviews bench craft company reviews
Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>
With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.
The State <b>News</b> :: The Snyder Effect
Gov. Rick Snyder, who took office Jan. 1, repeatedly has said K-12 and higher education and retaining young people in the state are priorities for his administration. But until Snyder releases concrete numbers as part of his budget ...
Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>
Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."
bench craft company reviews bench craft company reviews
Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>
With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.
The State <b>News</b> :: The Snyder Effect
Gov. Rick Snyder, who took office Jan. 1, repeatedly has said K-12 and higher education and retaining young people in the state are priorities for his administration. But until Snyder releases concrete numbers as part of his budget ...
Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>
Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."
bench craft company reviews bench craft company reviews
Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>
With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.
The State <b>News</b> :: The Snyder Effect
Gov. Rick Snyder, who took office Jan. 1, repeatedly has said K-12 and higher education and retaining young people in the state are priorities for his administration. But until Snyder releases concrete numbers as part of his budget ...
Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>
Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."
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