Repayment terms

When you select a shorter repayment term on a home, you avoid paying two-and-a-half times the value of the item. A 15-year mortgage can help you save money and build wealth.

From: moneyandstuff.info

Washing car

Washing a car at home uses five to 20 times more water than a professional car wash.

From: menshealth.com

Improve gas mileage

A clean air filter can improve your gas mileage by up to 7%, saving you more than $100 for every 10,000 miles you drive in an average vehicle.

From: thesimpledollar.com

Washing your car

Washing a car at home uses five to 20 times more water than a professional car wash.

You also aren’t doing your car any favors: A recent study at the University of Texas proved that a single DIY wash can leave scratches as deep as a tenth of the paint’s total thickness.

From: menshealth.com

Make Career Planning an Annual Event

Many of us have physicals, visit the eye doctor and dentist, and do a myriad of other things on an annual basis, so why not career planning?

Find a day or weekend once a year — more often if you feel the need or if you’re planning a major career change — and schedule a retreat for yourself.

From: quintcareers.com

Start saving today

The biggest barrier to saving is not being in the habit of saving.

The best way to get in the habit is to pay yourself first by directly depositing money from your paycheck into a dedicated savings account.

From: bankrate.com

Don’t take crap from credit card companies

Call your credit card company and ask for a rate reduction.

Take any of your credit cards that are carrying a balance, flip them over, and call the number on the back. Tell them that you want an interest rate reduction or you’ll take your business elsewhere.

If the first person you talk to won’t do it, ask to talk to a supervisor. If you have a $5,000 balance, even a 3% rate reduction saves you $150 a year.

From: thesimpledollar.com

Dump PMI

Get rid of Private Mortgage Insurance. If your down payment was less than 20%, you are probably paying PMI.

Once you have a 20% cushion through reducing your debt and home appreciation, contact your mortgage company to start the process of removing the PMI.

From: doughroller.net

Figuring your budget

To get where you need to be, you need to know where you are starting. Gather up all your statements and determine how much you owe in total. If you don’t like the answer, this negative exercise can give you the oomph to get going.

From: bankrate.com

Key to saving money is not on TV

One big way to save money is to watch less television. There are a lot of financial benefits to this: less exposure to guilt-inducing ads, more time to focus on other things in life, less electrical use, and so on.

It’s great to unwind in the evening, but seek another hobby to do that.

From: thesimpledollar.com

Online cash back

Use Ebates for up to 25% cash back: Ebates is a free online coupon site that offers up to 25% cash back from top online stores like Target, eBay, Barnes & Noble, and the Gap.

From: doughroller.net

Clean your car’s air filter

A clean air filter can improve your gas mileage by up to 7%, saving you more than $100 for every 10,000 miles you drive in an average vehicle.

From: thesimpledollar.com

Why 90% of people lose their jobs

According to a survey conducted by U.S. News & World Report, 90% of people are fired from their jobs because of attitudinal or relationship problems.

Only ten percent lose their jobs due to lack of skills or ability. A huge part of our success is based on our attitudes, communication and mindsets.

From: ezinearticles.com

Tipping etiquette

According to tipping etiquette, it creates a very awkward situation to ask for change from the person you are tipping.

If for some reason you don’t have a tip ready, it’s better to skip it, particularly if you can get change from somewhere else and return with your tip at some point in the future.

From: about.com