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If You Have Concerns About Running Out of Money, Changing your Spending Habits Can Help. Review These Tips.

Consider the following where appropriate:

  1. Use the library to borrow books and movies
  2. Free bread available from your senior center
  3. Shop less often, use coupons and have a list of what you need
  4. Avoid impulse buying
  5. Refinance loans to lower interest rate
  6. Use lower interest rate credit card (and/or transfer balances from higher rate  cards)
  7. Evaluate deductibles on homeowner/renter and auto insurance. Increasing the deductible can lower the premium (Be sure you have a cash reserve to cover the increased deductible amount)
  8. Maintain only one car if the others are not a necessity

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