Is your budget so tight that it sometimes feels like a boa constrictor tightening its coils around your life? Then it may be time to find ways to cut down on your bills in the coming year. You might be surprised how painless it can be to free up some extra dollars just by making a few easy changes in your lifestyle.
Ask for a Lower APR on Your Credit Cards
You may be paying too high an annual percentage rate (APR) on your current credit cards. So it's important to check around to see what other credit cards you may be eligible for and if they offer a better rate. At that point, if you have good credit, you have two options. One is to switch cards. This may be a good idea, especially if the card you're interested in offers a balance transfer with a 0 % introductory APR. If you like your current card, you have a second option. Call and inform them that you're thinking about switching to a different credit card with a lower APR and ask if they will match the rate.
Ditch Your Gym Plan
Many people sign up for gym plans with good intentions and then "forget" to go. If you're one of them, it may be time to say adios to that expensive gym plan. And if you're currently searching for a new apartment, look for one that offers you an onsite workout facility. Not only is the price (free) a good deal, but having a gym close by may encourage you to go more frequently.
Get Rid of Your Landline
Are you paying for a landline out of habit? Are most of the calls that you receive on it from telemarketers? Then it may be time to cut the cord and use your cell phone as your primary means of contacting the world.
Does your current apartment offer you great amenities such as a workout center so that you won't have to spend extra dollars on a gym membership? If not, it's time to check out our apartments in Dallas, Texas. Our community has a 24-hour health and fitness center, a swimming pool and a dog park.