Here are nine ways to get cheap or free vet care for your pet. Office visits for your pet can be very expensive. Between routine visits and emergency care caring for your pet can be costly. Just like other businesses, vet offer specials. Visit websites such as PetCareRx, Doctors Foster and Smith, or 1-800-PetMeds. Also, Sam’s Club and Walmart also carry some pet meds. Remember to use reputable sites when shopping online and ask your vet if they can match the online prices. Don’t forget to spay or neuter your pet.

1. Look for low-cost alternatives
2. Try a vet school
3. Shop around
4. Ask your vet for help
5. Find a charity
6. Look for cheaper prescriptions
7. Keep an eye out for specials
8. Be proactive to protect your pet’s health
9. Compare treatments

http://www.moneytalksnews.com/how-get-cheaper-free-vet-care/

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SPRING IS HERE! Be creative with Spring shopping. Shop sales that offer buy one get one half price. Visit clearance and discount sections on your favorite websites for the best treasures.  You may also get free shipping with many purchases. Web shopping allows you to compare prices without going to the mall. If you are adventurous, visit thrift stores to find accessories such as jackets, belts, or handbags.

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What is debt avalanche? Debt avalanche pays the debt with the highest interest first. Also, known as debt stacking and is likely to pay off debts over a longer timeframe and save you the most money on interest owed. A debt snowball plan, in contrast, prioritizes your smallest debt first.  The debt snowball allows the smallest debt to be erased first and meet goals much faster. Then you move to the next smallest debt and so on. Debt Avalanche OR Debt Snowball, which one will you choose?

https://www.nerdwallet.com/blog/finance/what-is-a-debt-avalanche

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Most people overspend in these three areas housing, transportation, and food. Depending where you live in the U.S. you may or may not be able to save money on housing costs. Transportation and food costs can be modified by taking public transportation whenever possible and when purchasing a car consider buying a new/used car a year old with low milage. Also, limit how often you eat out. One meal at a restaurant can equal the cost of one or two cooked meals at home.

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There are ten things that one must do to attain lifelong financial stability. Having the following products are key:

1. checking account
2. debit card
3. high-yield savings account
4. health insurance
5. homeowners or renters insurance
6. auto insurance
7. disability insurance
8. life insurance
9. retirement fund
10. college savings account

Each of these products is essential to secure your personal finances and protection against accidents or emergencies.

https://www.moneytalksnews.com/you-cant-financially-secure-without-these-10-products/

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Should you hire a service to negotiate your cable bill or other bills? This may be helpful if you have a large bill to negotiate such as a landlord who has several properties with a need for cable service. The savings may be much less for the individual household, but it is always worth a try especially if you are uncomfortable with the negotiation process. Internet, cell phone, cable bills and other monthly bills may be difficult to reduce due to the contract agreements that lock you into a one or two year plan. However, it may be worth a try to see if it works for you. Instead of one bill give the negotiator company several bills to see if there are savings for you. The services such as BillCutterz or BillFixers are new on the market and are not in widespread use at this time.

https://www.moneytalksnews.com/should-you-hire-someone-negotiate-your-cable-and-other-bills/

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Become a proactive consumer to get rid of bad marks on your credit report. Get a copy of your credit report and determine if the items listed are accurate. If not, you can contest the item(s) through the credit reporting agency. If the item isn’t confirmed by the credit reporting agency within thirty days the item will be removed. Most items stay on your credit report for as long as seven years or ten years for a bankruptcy. Check all three credit reporting agencies EVERY year. Consider seeking a copy of your credit report for example from Experian in January; Transunion in April, and Equifax in August. Remember to make payments to your creditors every month (in small amounts) if necessary to avoid defaulting on your debt.

https://twocents.lifehacker.com/how-to-get-rid-of-bad-marks-on-your-credit-report-1824298301/amp

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Starting this month credit card networks are dropping signature requirements. The use of chip technology and other security enhancements will significantly reduce fraud. American Express, Discover, VISA and Mastercard will no longer require signatures nationwide and this will also speed up customer checkout lines. If you have not converted your credit cards to chip technology contact your credit card company to make this important change today.

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Rising interest rates are a sounding an alarm for consumers in debt. If you have a credit card balance or a variable loan, and mortgage loans. The rising interest rates means that you will pay more over the life of the loan. Last year, credit cards increased 9.4 percent reaching $3.5 trillion dollars. Credit card delinquencies are climbing and may signal the time to find zero percent credit cards. Credit card balance transfers will allow additional time to pay off debt before interest rates resume with a lower balance owed. The error of low interest rates may not return any time soon and consumers must prepare for what is ahead to avoid paying more that they should.

http://finance.yahoo.com/news/rising-rates-sounding-alarm-bells-090000018.html

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