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The 5 Best Money Saving Apps Available Today

With over a million apps to choose from, browsing the iPhone app store or Play Store for Android can be a daunting experience. How do you find the apps that you will actually use and enjoy? How do you sift through all the garbage apps and find those few gems?
That’s a good question, and while people may differ on their idea of what constitutes an awesome app, here are a few money saving apps that we found to be pretty cool for anyone interested in saving a bit of money.

1. Twickets

The first money saving app we recommend is called Twickets. You’ve probably run into ticket scalpers standing outside a concert or sporting event (heck, you might have actually bought a ticket from a scalper to save some money). What they are doing isn’t always completely legal, and they typically add an outrageous mark-up for your inconvenience.
Twickets is an app that allows you to find last-minute tickets to events, but here’s the best thing about it—ticket prices on Twickits will never be above face value!

2. Navfree

Google Maps is cool and all, but it has a way of tapping your data plan. Navfree is an alternative app that provides free navigation through GPS. This app will save you money because it won’t tap into your data plan because it uses maps that you download to your device, and it has voice-guided instruction as well.
Navfree is reliant on user-generated maps, which might be incorrect every once in a while. Therefore, the more you use it (and offer corrections), the better it gets!

3. AirBnB

This is by far the best money saving app for travel. In case you didn’t know, the hotel industry is changing forever—thanks to AirBnB, a service that connects travelers with couches for a fraction of the cost of booking a room at a hotel. The AirBnB app brings hundreds of thousands of listings to your mobile phone, so you can plan your next vacation or get last-minute lodging.

4. GasBuddy – Find Cheap Gas

Are you passionate about finding the cheapest gas in town? Well, you just found a new buddy. One of the easiest ways to save money is by getting things you buy anyway, for cheaper. GasBuddy connects you with the cheapest pumps, and you can earn rewards for reporting changes in gas prices. Imagine the potential savings this app can give you on those rambling road trips!

5. Coupon Sherpa

There are quite a few couponing apps out there, but Coupon Sherpa excels in its simplicity and ease of use. You don’t need an account, you can easily search by store or item, and each coupon comes with a barcode for the checkout attendant to scan on your way out.

What do you think the best money saving apps are? If you have any that we missed be sure to let us know in the comments section below.

Check back with our regular featured blog series, “Tech Thursday,” for more tips on cool ways technology saves you money! Visit our financial services page for easy bill paying and insurance quotes.

Saving Money When You Are Single

Well it’s Valentine’s Day and while thousands of couples will be heading out for a night on the town, there are also thousands of singles out there who currently find their facebook relationship status set to single. For some people, a single Valentine’s Day makes for a sad and lonely evening, for other’s it means saving money by not having to go out. While money in the bank might not make up for the loneliness this Valentine’s Day it’s better to look further down the road and realize that saving now, while you’re single, is one of the easiest times to save money.

For some people learning to budget and save money is something that many of us have to learn on our own by trial and error. It is a rare teenager who graduates high school and goes to college who already understands finances and how to manage them.

That being said, it is very important for a single person to learn to budget and save before they get married or even get a ‘real’ job. While learning all of this in college may be difficult, mastering these skills can save you hundreds and even thousands of dollars in the long run.


This is a word that most people cringe when they hear it. For many it carries with it a negative connotation, indicating a restriction of fun and less money to play with. While learning to budget does sometimes mean limiting the ‘fun’ factor at the beginning, it will earn you skills that can help you build the foundation that financial independence is built on.

Budgeting is merely a way to manage your finances so that you don’t have to worry about whether or not you have enough. When you’re starting out, it can be difficult to learn the control that it takes to not blow your budget on a spending spree, but over time, you will begin to understand how to properly manage your finances.


The key to a successful budget is saving. When you are single, it is tempting to spend all your extra money on the fun things you could be doing right now. But when your car breaks, or you suddenly find yourself needing to search for new housing arrangements, not having money in the bank means your choices in these situations are severely limited.

When saving, you want to set aside the same amount of money each month, working to slowly build up and then maintain a savings account that holds enough to support you in your current living situation for a 3-6 month period of time. This emergency fund should be the first thing you focus on as you learn to budget and save.


While living on a budget, specifically a small one can be tough, it is important that you leave some money each month for you to play with or, if you prefer, put some money toward a larger luxury item or trip that you really want. Whether you just want to be able to go to a movie once a month or you want to save for your dream vacation getaway, make sure you are spending some of your money on what YOU want to spend it on.

Understanding the difference between ‘want’ and ‘need’ is vital when developing your budget. ‘Needs’ include things like food, clothing, shelter, and basic utilities like electricity, water and a full emergency fund, while your ‘wants’ may be that designer shirt you’ve had your eye on, or the latest piece of mobile technology. Learn the difference between the two and only spend money on the ‘wants’ when you have all your ‘needs’ covered.

Learn how to manage your money now, before you need to merge your finances with another person. Being financially responsible is a skill like any other, and for some it may come easy, while the rest of us will spend our entire lives learning how to do it. Either way, get started, and you won’t be sorry.

The Aftermath of Black Friday

Black Friday claims to be the largest shopping day of the year, followed by small business Saturday and Cyber Monday. Those three days and their phenomenal deals launch the nation into the holiday shopping spirit. Skilled shoppers finish all their holiday shopping and come home happy with their great savings. However, most of the nation is not as good at conquering Black Friday and the other big shopping day as these experts.

Many of us don’t think the fight is worth it. Previous trampling deaths have warded off many potential shoppers. To them, life is not worth the deals. Are there still ways to save big bucks without charging the streets on Black Friday? Yes. Yes, there are. What can non-Black Friday shoppers gain from Black Friday? Here are just a few things.

Shopping Tips

Around Black Friday season, many people/organizations post blog posts and articles packed with shopping tips. These are full of shopping wisdom. The majority of these shopping tips can be applied any time, especially post-Black Friday as stores continually hold promotions and sales in preparation for Christmas. A few of the tips include:

  • Stick to your budget: there will always be unexpected deals and tempting offers that could wipe out your pocketbook if you aren’t careful. Know what you want, how much you are willing to pay, and who/where it will be given to/used.
  • Do your research: Before purchasing a flat-screen TV that is on sale for half price, go online and make sure its reviews are good. Make sure it will fit in your home and be compatible with all the other techno-appliances you already have at home.
  • Shop around: Before you decide anything is a great deal, make sure you know what prices other stores are offering. You may find better deals elsewhere or run across match pricing offers at stores with fewer crowds and better return policies.
  • Know the fine print: always be aware of return policies, warranties, hold onto receipts, and request gift receipts. Make sure there are no hidden fees, deals, or missing accessories that are essential for operation.
  • Apps and online ads: aps and websites often put out special deals that cannot be found elsewhere. Don’t rush into a store thinking you will be getting the best deals when they are actually all online. Check out Facebook pages and stores’ websites and see what exclusive online deals or coupons are available to you. Sometimes they are the best sales and the most convenient ways to shop.

Future Sales

Although Black Friday is certainly one of the busiest shopping days of the year, it is not your only chance to grab good deals. Countless promotions, sales, offers, and coupons will be running from now till Christmas and beyond. Often post-Black Friday sales offer better deals than those Friday morning door busters. Keep an eye out for them and avoid the insane crowds while capturing great deals. Also, keep in mind that a lot of these deals will require you to act quickly so if you need to make a purchase, but dont have the cash right then, remember that you can cash checks and get a cash advance at any of our Check City Locations.

If you don’t want to risk life and limb for Black Friday deals, you won’t be missing out on much. Benefit from Black Friday shopping wisdom and save all season long!

Saving for Retirement Now

One of the biggest buzz words of the modern financial market is retirement and saving for retirement. While some make retirement look scary or even impossible to fully prepare for, there are simple steps that a person can take to ensure that they have a comfortable base when it does come time to retire.

Financial advisors and retirement professionals will be able to give specific suggestions on what investment plans one can build their retirement on and what different strategies they can use to build up their retirement savings. But the one piece of advice that almost all of these professionals will give to their clients is to start saving for retirement now.

Never Postpone Saving For Retirement

Making up for lost time is one thing, but when a person chooses to postpone their retirement savings for a later date, that later date seemingly never comes and leaves the person struggling greatly to build up their retirement savings. People postpone their retirement savings plans for a wide variety of reasons, but the one reason that seems to be the most common is that people believe that they simply do not have the money to start saving for retirement.
While tight budgets are certainly something that most people deal with, this does not mean that they are by any means easy to handle. But even with the constraints of a tight budget, people can and should find the money to begin their retirement savings.

You Can Find Savings, if You Know Where to Look

Almost every individual can find the beginnings of their retirement savings if they know where to look. And by finding these beginning funds of a retirement plan, an individual will be able to start saving for retirement now, which will greatly help them down the road of life.

Finding the first funds that one can put towards retirement can be a difficult task, especially for those who are living paycheck to paycheck, but with honest and careful consideration, each individual should be able to find some small portions of their assets that they can put towards savings. For many people, this initial fund for retirement may come from money that would otherwise be spent on going out to eat for lunches throughout the work week.

Going out to lunch while at work is perhaps the best place for individuals who are striving to find some startup funds for their retirement savings. Going for a quick bite while on the lunch break at work is not an inherently bad thing, but when a person realizes how much they spend on eating out at lunch they can easily see how cutting back could benefit their retirement funds.

Pack Your Lunch, Save for the Future

Choosing to pack a lunch for work rather than eating out every day or even every other day during the work week can save an individual thousands of dollars over the course of just a few years. In fact, if a person can cut out just eight dollars per week each week over five years on the money that they would be spending buying lunches for that week at fast food restaurants or other popular eateries, that person could save upwards of two thousand dollars.

While two thousand dollars may not seem like much as far as savings go, it is certainly a step in the right direction for those who are striving to save for retirement. With just eight dollars per week coming off the restaurant tab and going towards savings a person can save two thousand dollars for their retirement, but if that same person could save even more from their eating out budget, or from other areas of their budget like entertainment, that same number of two thousand could easily be doubled by simple and small means.

By carrying out simple saving plans that can be enacted each week, a person will find that they are able to save much more than eight dollars per week. With cut backs in personal spending on such things as superfluous clothes, shoes, and entertainment costs, a young person who believes they simply do not have money to save could find that they actually have large stores of funds they can save every year.

In fact, if a person or a couple can save just twenty dollars per week to set aside for retirement, they will be able to save over one thousand dollars in a year. Here again, one thousand dollars may not seem like much, and truly is not very much money when it comes to living costs after retirement, but year after year this number can build and it can be started right now at almost any point in the life of a person planning for their retirement.

3 Unique Tips that Could Save You Money

There’s so much more to saving money than simply transferring money from your paycheck into a saving’s bond or into your bank account. There are ways you can save money with every day things you may not ever think about. The following are just three ideas to get the ball rolling, extend each of these thoughts to everything you spend money on to see where you can make important financial changes that will help you keep the money you earn.

Share and Borrow Your Media

One, borrow your entertainment rather than purchase it. If you are connected to a lot of people, set up a mutually beneficial borrowing relationship. Some people have to have every movie that comes out. It’s buried somewhere in their DNA, and there’s nothing their spouse can do or say to stop them from doing that.

The only problem with this kind of thinking is that they buy a movie and never take it out of the shrink wrap. Or they do and then only watch it once. It’s probably the same in your home. You only pull it out once every year and a half, meaning it’s taking up more space than it’s getting its money’s worth.

Now that’s not to say you need to go watch them, it just might be a good indication that you don’t need to buy movies or other entertainment quite as much as you think you do, especially when you have the shrink wrap movie collection friend. When you want to watch a movie, don’t rent it, don’t pay-per-view it, and don’t pay for an account on the internet to stream it. Borrow it instead from the friend.

Access Free Music, Legally

The same holds true for media like music. Though you may not want to borrow an actual friend’s CD, you can set up a free account on Pandora, Grooveshark, or Spotify to stream music for free all day, every day. Just as long as you have an internet connection, you have access to every song ever made. Why do you need to buy your entertainment with an option like this?

Hire Students, Save Money

Two, choose a local school over an experienced professional. Dental and vet schools, for instance, are looking for real people and pets to get some real world experience with. Near the end of their educations, students are finally allowed to do some basic procedures on live people and pets. Dentists can do cleanings, deep cleanings, and some basic oral work. Vets can take a shot at performing the work of a professional.

Since they are still learning, the bill is much cheaper than it would be to visit a professional’s office. And quality wise, you are still in good hands. A dentist or vet generally supervises the procedures to ensure everything goes correctly, and they can even jump in if the going got rough.

Visiting a student may be a bit more painful/awkward, or take a bit longer than a professional, but this has potential to get your care at a much cheaper price.

Avoid Stupid Citations

Three, don’t text someone that is driving. If you know someone is driving and you hold a conversation with them anyway, you could be held liable if the driver got in an accident.

A New Jersey appeals court recently ruled that these people could be held liable should the driver cause a collision. The rule officially looks for “reason to think the recipient is driving or will read the text while driving.”*

So not only is the person making the choice to check the text message liable, but now the one egging them on to doing it is too, as they think “the text sender has a responsibility to the public much like a passenger in the car would.” So to avoid potentially becoming liable to an injury in a court case and possibly influencing an accident, protect the lives of your friends and the account balance in your bank by simply not texting those you know are driving.

The first option taught you how to borrow things for free rather than pay money at the theater or rental store for them. Friends are often more than happy to lend movies and media to you, just as long as you prove yourself able to return them.

Cheaper, quality services are abundant out there. Find the schools that are teaching their students how to perform their future responsibilities for a significantly reduced price (sometimes $10 for an oral cleaning). You don’t have to pay the high costs of healthcare when you have ready and able students that can perform the most basic of tasks.
Finally, avoid situations that would make you liable to pay something. Park smart to avoid a ticket. Drive the speed limit to avoid being pulled over. Promote safety amongst your friends so you are never held liable for the choices of another.

These are all fundamental ways to save money that can be applied to a variety of situations. Apply them to your own life and watch your money worries begin to reduce as you save more of what you earn every month. Just be sure you don’t spend that extra money because you suddenly feel free. You’ll never progress when you fall to that temptation.

Saving Money on Transportation

Whether you identify as rich or poor, or anywhere in between, you are probably always looking for ways you can save money. Even if you do have a lot of money, it is wise to be frugal because you don’t know when your money could suddenly run out.

Some of the best ways you can save money is through your transportation. Many people do not realize how much money they can save by keeping their car in top condition.

While it may seem like you must pay a lot to keep your car in good condition, you will be grateful that you did because you will not have to spend as much money on gas. The reason why you will not have to spend as much money on gas if you keep your car in good condition is because your car is running more efficiently.

When your car runs more efficiently, it uses gas more efficiently as well. This is why it is a great idea to keep your car in great condition. Try to have your car tuned up and checked on as often as the manufacturer of your vehicle recommends. In addition to saving you money in the long run, it will help you maintain more equity in your vehicle which will help you if you ever end up needing to get an auto title loan.

Certain cars need more maintenance than others. For example, if you have an older car, you’re going to need to keep a close eye on it to make sure that it stays in good condition.
Older cars have been around for longer so they have a higher chance of breaking down or having something go wrong with them. You should not feel like you have to go and buy a brand new car just because your car is a little bit older.

Keep Those Tires Inflated

However, you should realize that usually older cars require a bit more maintenance than newer cars; this is just the way it is. Another great way to save money is to keep your tires inflated to their correct inflation.

If you do not know how to check your tire pressure, you can ask someone you know to teach you. You can also ask your local auto mechanic how to do it; they would most likely be happy to teach you.

Tire pressure is not hard to check; all you have to do is learn how to check it. Once you learn how to check it yourself, you will save money because you will not have to ask someone else to check it for you.

Save On Gas

Another great way to save money is to shop around when you are filling up your car with gas. If you go to, you can find the gas stations in your area that offer the cheapest price for gas.

Oftentimes, grocery stores like Smith’s or Costco will offer special deals on gas if you buy your groceries from their store. These deals can really add up and can save you a lot on the gas you buy for your car.

You Don’t Need All That Octane

It is also recommended that you use the lowest recommended octane for your car. Many people think that buying the highest octane available will be the best for their car, but the fact of the matter is that the amount of octane you need is related to the compression of your cars engine so unless it’s a higher performance engine (turbo charged, supercharged, or luxury), you most likely don’t need higher octane fuel.

However, studies show that buying the lowest-octane gas for your car will be just fine for your car. Unless you are swimming in money, buying the lowest-octane gasoline will be great for your car.

If you notice your car is acting up, you may want to take it to an auto mechanic and see what the problem is. If they tell you that the problem is related to the level of octane of gas that you’re putting in your gas, then you should probably consider putting a higher octane gas in your car.

If this doesn’t happen, though, you should be good with the lowest-octane gas recommended for your vehicle. There are also several other things you can do in order to decrease the amount of gas you have to buy.

Ease on the Gas, Ease on the Brake

You should avoid starting and stopping quickly while you are driving. Starting and stopping quickly while driving only uses up more gas.

You may make the people around you a little bit angry because you are driving more slowly, but that does not matter. While you’re driving, you make sure to do what’s best for you and your car.

Another great way to save money is to carpool. If you can carpool to school or to work, you can save tons of money on gas.

You will save tons of money on gas because you will not be buying as much gas. Try to find a friend at work or school and carpool; your bank account will thank you.

5 Things You Probably Spend Too Much On

The world is full of purchasing opportunities and everywhere you turn, there’s an ad telling you to purchase something else. The sad truth is that many people are spending far too much for some of the “traditional” expenses.

These are the top 5.

Number 5: Cars. Purchasing a car off the lot kills your investment. You overpay for a car that is going to lose half its value in the first five months. Purchase used cars that are a couple years old. You’ll usually get them at about 25 – 30,000 miles and get a much cheaper price for them. Don’t overpay on your car. By overpaying on your car now, you will have that much less equity later on down the road incase you ever need to utilize the equity in your vehicle via an auto title loan.

Number 4: Phones. How often is the public sucked into a new phone? Is it fair to say every 6 months or so? Apple releases new phones/software packages every August. Samsung releases new Galaxies every year too, not to mention every other phone competing on the market. Some people buy into this addiction and purchase a new phone within a year. It’s an expensive and unnecessary habit. Purchasing one smart phone and using it for two years will get you much of the same enjoyment of calling people and internet access as the one switching them out every six months. Why spend money on something you already have?

Number 3: College. Some think that college is worth any price. But is it really worth tens of thousands of dollars extra in debt if you can get the same education at a cheaper school? Much of the quality of your education comes down to your dedication. A BYU law student has the potential to get a very similar education and have just as successful of a career as a Harvard graduate. They just have to put in the work to make it happen, like the students at Harvard.

Carefully research your options before choosing a school. You’ll likely find a cheaper option out there for you that can give you similar opportunities.

Number 2: Clothes. Clothes are extremely overpriced. Shop at any of the chain stores in the mall and you’ll be paying the company approximately 500% of the cost it should. Clothing stores make a fortune off of consumers that need the newest brand clothing. Since fashion is an extremely popular subject, people are willing to pay for their fashion, even if the quality is no better than a shirt you would buy from Walmart.

Look for cheaper alternatives for clothing. Look to Kohl’s, and other more customer-minded stores that care more about providing deals, than making an unfathomable profit. Although they still can make a profit off of you, they aren’t going to overprice their clothing as much, meaning you spend less for new clothing.

If you need cheaper than that though, you can always look to the used stores. Some shops exist—such as Plato’s closet—that will buy lightly used clothing from people, clean it, and then turn it around for your perusal at extremely discounted prices. Like rich car fanatics, some people have the money to buy clothes, wear them for a year, and then dispose of them. And they end up in places like Plato’s for your consumption at a much cheaper price.

With so many options abound, don’t go to the mall. Don’t shop at the mainstream, popular stores. You’ll walk out with a much bigger bill for half of the product available elsewhere.

Number 1: Credit Cards. A continual open line of credit feels like having an increase of a couple thousand dollars in your salary. Instead of being limited by what you make every month, suddenly someone else wants to give you money too. And since that money doesn’t have to be paid off for another month, it’s easy to fall into the habit of imagining yourself being responsible with your money, next month. That mentality combined with neglecting the current balance can drive you into more debt than you would want to be in at the end of every month. Even spending $100 extra every month will amount to $12,000 of accidental purchases over a decade. Imagine what you could have been doing with that $12,000 instead of purchasing meaningless extras.
People spend far too much on credit cards because they’re not keeping track of what they can afford. Keep a close eye on your finances (daily) and don’t let balances slip your notice.

So beware when approaching a car dealer, phone salesman, college admissions, clothing retailers, and your bank account. If you watch each expense carefully, you can keep yourself from many of these traps.

Saving Money While You Are Young

When you are young, it can be hard to understand why you should be saving money. Putting money away now may mean that you do not get the instant gratification that would come from spending your money, but saving money is a great way to secure your future. Saving money now is a great way to invest in your future and ensure you are in a healthy financial place throughout your future. Learning how to save now has never been easier! With a variety of tools that are available, saving now may be much more painless than you thought it would be.

Save Consistently, It Adds Up.

First, you should understand that there are many ways that you might be able to find some small amount of money that you can save on a consistent basis. Every time that you decide to go for a soda, put that money away and drink water instead. The next time that you want to eat out decide to stay home and put your money away instead. It is important that you know how you are going to start saving small amount of money now to ensure you have something to put away. Building up your savings account does not require you to save an excessive amount of money. Just start with a small amount of money and then decide to consistently build on it.

Automate Your Savings

Second, you may not even have to go through the effort of putting money away yourself. There are a variety of saving tools that will allow you to put money away automatically. Finding a bank account that will automatically deduct a specific amount of money from your checking account on a consistent basis is a great way to start saving. You should be sure that you understand what tools you have available to you with your bank account. If you find that you do not have as many tools as you wish that you could have, start shopping around for a new bank account. You may be able to find a bank account that suits you better than your current account.

Make Interest Work For You

Third, when you first start saving it is reasonable to be putting your money into a low-interest savings account, but eventually you are going to want to move the money that you are saving into an investment account. Rather than simply earning a small amount of interest, you will find that your money will be able to grow through compound interest. The more money that you have in an investment account, the more it will be invested and the easier it will be to make money. As your money grows, you will earn capital and those earnings will automatically be reinvested to make even more money.

When you find that you are looking for a better place to invest your money, you should be sure that you look into a 401k retirement plan. These retirement accounts will ensure that you will be able to earn more money off of the money that you are making. As you are shopping around deciding where you are going to put your money, you should understand the importance of fully comprehending what is going to happen with your money. You do not want to take any risks with your money unless you fully understand the risk and you are willing to take on the risk.

While you are learning how to save, it is important to remember that anything that you save is going to be better than nothing. Some people don’t save money simply because they feel that they do not have enough money to start saving. You may feel ridiculous saving five dollars a month, but if that is all that you have, save it. Get into the habit of saving. When you are in the habit of saving with just a small amount of money, you will be able to translate that habit and ensure that you are going to be able to continue saving when you have more money. Establish positive spending habits now to ensure you are going to spend and save what is necessary.

Saving may require some self-discipline, but it will be well worth it in the long run. Do not be afraid to start adjusting your budget to find a way that you are going to be able to save your money on a consistent basis. It may take some time to adjust to saving, but it will be well worth the effort that you have to put in now.

Commonly Overlooked Money Wasters

As unemployment remains relatively high and the ups and downs of the economy continue to seem more down than up, more and more families and individuals are feeling the financial pinch encircle them. When this happens, it is completely natural and even more responsible for persons to try and find ways to save money on everyday things.

It Starts With a Budget

People usually start by creating or updating their personal budgets. This is a great initial step towards financial security.

Creating a budget, and then having the discipline to stick to it even through the harder times, is a great way for a family or an individual to begin saving money and becoming financially stable. Budgeting out one’s income to supply the necessities of live first then using the remaining money to purchase other items is financially responsible way in which people can survive monetarily while still living a comfortable life.

Budgeting money can be done in several ways, although the most basic and most effective way is to take an accounting of one’s monthly income and divide those earnings into payments of priorities such as mortgage or rent, utilities, insurance payments, paying off cash advances and short term loans, and food costs. After one’s income has been appropriated to these and any other high priority items, a large portion of the remaining money can be set aside for savings and the rest allocated for recreation or entertainment costs, which are important to keep the family in good spirits even through hard economic times.

But even with a quality budget, there are still other ways that a family can become smarter with their money. For example, a family can take note of some of the items that they spend money on regularly but do not actually need.

These items are called money wasters and their whole purpose is to get people to buy what they do not actually need. Even worse are the money wasters that are causing a family to spend money without even knowing it.

Ditch The Landline

One of the best examples of these unknown or overlooked money wasters is the antiquated landline. In an age when seemingly everyone owns a mobile phone, the land line persists somehow to suck monthly money from the pockets of hardworking families.

The landline in the home is irrelevant in almost every category and yet can still cost a family anywhere from twenty to close to fifty dollars a month. Even worse is that many contracts for land lines have the duration for a complete year but with a cost increase after only six months.

This means that after six months under one payment the service jumps in price, often by no less than fifteen dollars per month. Over the duration of a year the total amount it costs to keep an old and practically useless landline in the home can run anywhere from two to three hundred dollars per year.

All of that is money that could have been saved if the family would simply cancel their landline service. Another money waster that is typically in use by many people but that can somehow go unnoticed by them is purchasing bottled water.

Bottled Water

For some, clean and bottled water is a perceived necessity of life as their tap water is far less than desirable. But even for these individuals, the purchasing of bottle water has to be slowed if they wish to save money on this incessant money waster.

Bottle water can cost a single individual, meaning not an entire family but only one member of that family, an approximated six hundred dollars per year. Six hundred dollars per year per person on bottled water!

That is a cost that can be immediately cut from the family budget by simply investing in a quality home water purifying system. Often these purifiers are relatively inexpensive to purchase, highly effective at cleaning and purifying tap water, and cheap to maintain; which all translates into cutting drinking water costs from around six hundred dollars per person per year to around eighty dollars or less per year.

Coffee and Games

Other common money wasters that either go unseen or ignored by individuals and families are those that happen on a regular basis without thought, for example, the daily cup of coffee or upgraded whatever for the favorite gaming app on the smart phone. Daily habits or simply regular habits that include spending small amounts of money with consistency have a way of fooling people into spending vast amounts of money with time.

The daily cup of coffee, the dollar purchase on a mobile app, and the regular indulgence at the convince store (which is horrifically marked up in price, by the way) all conglomerate into a large yet unseen expense very month. A person and a family would be better able to save money if they would guard themselves from these and other commonly unseen money wasters.


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