Bank Fees, Everyone hate's them

This has been the subject of the year, BANK FEES. Banks want to taylor their accounts to you, because so much revenue is being made on overdraft fees. What I did for you guys, is research a banks that does not charge for overdraft fees. This bank still charges a montly fee, which it is still cheaper than paying those heavy charges. The one bank I found is PROBITY FINANCIAL SERVICE so far this is the only bank, but I'm pretty sure more will pop up by the end of the year. They probably will be much better than this one. I checked other sites and found great advice on different types of overdraft protection that are offered from different banks, feel free to check it out at the BANKRATE.COM website just click and it will forward you there.

METRO PCS

What is METRO PCS? METRO PCS is a cell phone provider that is rapidly rising around your area. I recently switched to Metropcs, two months exactly. I like it, not love it yet, because they are not a nation wide cell phone provider, but for $45 dollars a month for unlimited calling and texting I am not complaining at all. This is why I am writing about this, because a lot of people spend a lot of money on their cell phone bills unnecessarilly. Metro Pcs is not the only company offering unlimited plans, you can also check out Boost Mobile and Virgin Mobile they are now offering unlimited plans also.

Saving on Phone Bill

I just recently moved and I needed to keep my expenses low; what did I do to accomplish that? I started with my home phone bill, I priced out cable and regular Fios that is Verizon. I put everything on paper and saw that the phone was not necessary to get at the moment. Why? Because there were other options like VOIP (voice over ip) all I needed to get was the cable and the internet,and then the only service I would need to get is VOIP. I also researched the VOIP service and found a great one!!! Which I have been using for a couple of months and I realllly enjoy it. That company's name is MagicJack. I purchased the little unit for $49 dollars plus another five years of sevice for $59 dollar coming out to a total of $107 dollars for the next six years that is a whole lot of savings. This is My FRUGAL pick of the month... Until next time GO FRUGAL.

A Day At The Aquarium Going Frugal

This weekend I went to the NY Aquarium for nothing, all my wife and I had to pay for was food and gas. Every year my mother buys a family premium membership with the wildlife conservation society and it is well worth it. Especially when you have kids, it gets you out the house on those beautiful days; you educate your child or children’s at the same time. You already paid for the membership so you have to take advantage of it and those days that you do not have money the best place to go is visit one of the zoos. Why not take advantage of this membership and visit one of the parks?

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Shopping

Brands, how importants are brands for you? Part of being frugal is shopping for the best value. Old Navy or Ralph Lauren, Macys or Marshalls, everyone has their taste. We're not telling you where to shop but get the most you can out of your hard earned dollar. Every store has their bargains all you have to do as a consumer is look for them. Do not just buy out of instinct, take your time and look around the store, guaranteed you'll find a bargain. I have a friend that only buys at Lord & Taylors and comes out with a bunch of cute outfits for very cheap. You just need to look for the discounts go online and print out any coupons for discounts, that's how my friend does it. Go through the circulars for discounts. Set your budget for shopping and go with that amount and test yourself; see how much more you can buy with just that amount. Guaranteed you will look for those discounts.

Checking account

A way that I have learned to avoid overdraft, is by owning several checking accounts; I have my own checking account and a joint checking account. My two personal checking accounts are for my use only. I receive my direct deposit in my main account, and in the other checking account I strictly use for paying my bills. For my main account, I have a check card linked to it and for the bill payment account, there is no check card linked to it, just checks can be linked to it. I always keep track of what bills are being paid with which account, it is very important to keep track of all your expenses. If you don’t keep track of all your expenses, it’s the reason why; you wonder there are so many fees in your account. This is one of the biggest complaints that most customers have with Banks. They do not keep track of their expenses because they think the monies in the bank and in reality it’s not in the bank. Most of the time it is not the bank’s fault that the money is still in the bank; it is the merchant’s fault for not closing the batch at the end of the day. It takes longer for the money to come out of the bank due to this process. Remember it is not the bankers’ duty to keep track of your money. It is your duty to keep track of your money.

In end, Thank You for reading and do not forget

Go Frugal