M is for Money, S is for Savings!

In keeping with my New Year's Resolution of saving money in 2010, I thought it wise to share a few more ideas on just how I am trying to live up to my resolution.

First, although I have to admit that I cannot live without a cell phone, I have learned that I can do without the latest (and quite expensive) cell phone models in the market today. When I was still single, I used to change cell phone models as soon as I lay my eyes on a newer model equipped with more features, which, more often than not, I don't really get to use. But since I became a mother, I've realized that I could be spending the money on my daughter's needs instead of on newer cell phone models. I just need one that will enable me to send SMS and call my loved ones whenever I want to. More so, I have long stopped subscribing to mobile post-paid services. With pre-paid, I can budget my monthly cell phone charges. Simple, functional, and affordable!

Second, I try to pay in cash than charge it to my credit cards. If it couldn't be avoided, I make it a point to pay my credit card bills in full, or at the very least, much more than the minimum amount due. And if possible, try to ask your credit card company to cancel your annual membership fee. If you try, they would at the very least deduct a certain percentage to the annual fee. Less charges, more savings!

Third, I research and look for more ways on how I can save more. The web has many resources from handling personal finance to investing. MSN Money is just one of the many sites that offer news and ideas on managing your money.

And lastly, I came across Billshrink.com, a website that inspires people to save money. With free tools to help you realize your monthly bills, and suggestions on how to make them lower, Billshrink can be your own personal financial advisor. Moreover, BillShrink business credit cards are a businessman's partner in maximizing earnings. Check it out, and you might just find your own ways of shrinking your everyday bills!

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