At this moment the rates of many companies can hardly be lower. You can save many hundreds of dollars long term by lowering your interest rates or paying off long term debts more quickly. Another way to save on major expenses is to check the rates for utilities, phone bills and insurance rates. This will save you many hundreds of dollars each year.

For instance a thousand dollars on a high interest card like (yikes!!!) 33%, will cost you $330 dollars a year in interest not counting any fees!!! Even if you go to a lower, but still high rate like (yikes!!) 25% you’ll save close to a hundred dollars a year. A rate of 10% will save you $230 dollars a year in interest! An cards offering even lower " start rates" will save you even more.

If you switch from a long distance carrier that charges 20 cents a minute to one that charges 4 cents a minute you save a great deal. A one hour phone call at the higher rate is $12.00. At the lower rate it is $2.40.
Quite a difference!

A utility company that offers even pennies less will save you a great deal over a years time. Car insurance rates can vary greatly from company to company costing you hundreds of extra dollars a year. It is a similar situation when you insure your home. It is worth taking an hour or two and compare rates at several online rate saving companies.

Several I have had personal positive experiences with are:
LowerMyBills.com
http://www.qksrv.net/click-1087427-6274609

This is a huge saving site which offers easy search comparisons on phone, utility, credit card, and loan services. Right now they have a great loan deal in partnership Household Finance Company, as well as companies listing low rates in many other services.

Another company that compares rates for you automatically is:
GetAFreeQuote.com
http://www.qksrv.net/click-1087427-598876

I also recommend going directly to major insurance suppliers sites and checking rates of car and home insurance rates. We save hundreds on our home insurance this way.

With a few hours of checking you can save hundreds of dollars a year on most expenses. Make the NET help you out. Check those Rates!




Continue to check out the informative and inspirational free sample pages at these excellent frugal books.
Complete Tightwad Gazzette
The Complete Tightwad Gazzette

Declare Your Finanacial Independence
Declare Your Financial Independence

Complete Cheapskate
Mary Hunt's Complete Cheapskate

Miserly Moms
Miserly Moms

You Can Afford to Stay Home With your Kids
You can Afford to stay Home WIth your Kids