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In today’s economy, many consumers have to try to cut as many corners as possible to save money. Some use coupons, discount nights, promotional codes and the like just to survive from one day to the next.
In fact, some folks have to save money just to save money because even banking options have become expensive. The following are just a few tips for saving money on a new bank account:
Agree to Keep Minimum Balances
One way that a consumer can save money on the monthly fee is by agreeing to keep a certain amount of money in the bank account. Many banks charge their customers a monthly fee if they do not adhere to strict guidelines. Some banks may want their account holders to keep a certain amount of money in the bank, and other banks may want their account holders to perform a certain number of transactions. Complying with either of those demands will spare the person of undesirable fees.
Keep at Least $50 in the Bank
Keeping at least $50 in a bank account can seem difficult, especially for consumers who are living check to check. However, failure to do so can have tragic results as far as finances go. One accidental miscalculation can leave the person open to overdraft fees that render the account unusable until the consumer pays the balance. Account holders should make strong efforts to keep a substantial amount of money in the bank for that reason.
Open the Account During a Promotional Period
Some banks are offering promotions at this time because they want to bring in as many new customers as possible. The promotions may offer benefits such as:
• No monthly fee
• No minimum balance
• Cash back
Some banks do offer cash back, but the account holders must comply with strict guidelines before they can receive that benefit. They must keep the account open for a certain amount of time, and they must keep the account in good standing in most cases.
Sign Up for a Rewards Program
Rewards programs can provide consumers with a roundabout way to save money. The bank rewards its members by giving discounts on clothing, electronics, flowers and other items that they tend to purchase online. Rewards programs may have an annual fee associated with them, but the discounts can be well worth the membership. Modern consumers can try those methods first to see if they are successful in saving money to save money.
When the financial waters get rough and the storm that is trying to save money hits your checkbook, you look for salvation and safety anywhere you possibly can find it.
And that includes within the friendly confines of the life preserver that you know all too well: the credit card.
Yes, that plastic purveyor of security and well being as it relates to your financial security isn’t afraid to rear its ugly black strip and tempt you to use it when things aren’t particularly fun or easy when it comes to money.
The credit card, for the most part, carries with it a much-needed negative connotation. They’re quite simply bad news for the masses, mostly because we aren’t educated on how to use them properly and often run to them like a bad relationship you simply can’t get over or walk away from for good.
Now, the credit card, in fairness, can be a good thing. People who use them and pay off the balance right away or reap the perks with them as far as points and travel benefits, for example, have no issues with credit cards. They take them for what they are worth and should be: a 30-day loan that you make good on right away.
Those who find themselves in some sort of financial peril tend to turn toward the credit card to use it for things that go beyond emergency purchases, like braces for the kids or a hole in the roof that needs fixed desperately and without hesitation.
No, this is about using a credit card, for example, to pay off another credit card, and truthfully really not getting ahead at all.
Have you ever used your credit card for purchases that you’d consider daily? If you’re charging coffee, lunches and groceries with your credit card because you simply don’t have the money, that’s a huge red flag.
Furthermore, some have the bright idea of paying student loans or other low interest debt with credit cards, which is a true head scratcher. A student loan can have a rate as low as 2%, so why would anyone in the right mindset pay that loan with a credit card with a rate that could be 10 times that amount?
Truthfully, paying any bill with a credit card means you need to rethink your budgeting and expenses, and might need to start cutting the latter. Using a credit card is the financial version of putting a band aid on a bullet wound.