{"product_id":"2940014108010","title":"50 ways to save money","description":"INTRODUCTION\u003cbr\u003eWith full economic recovery still a very distant glimmer on the horizon, everyone from\u003cbr\u003ecorporate boardroom inhabitants to double-wide trailer denizens is looking for ways to trim\u003cbr\u003ecosts and keep more money in their pockets.\u003cbr\u003eIt seems that no one has been exempt from the belt-tightening. The latest talk in locker\u003cbr\u003erooms and on golf courses (for those who can still afford to golf!) is less about stock tips and\u003cbr\u003emore about cash-conserving strategies. If nothing else, budgeting is working as a way for\u003cbr\u003epeople from all walks of life to come together and bond!\u003cbr\u003eAfter studying personal finance and budgeting strategies, I noticed that a lot of the advice\u003cbr\u003eout there relied on people being able to make long-term adjustments to their lifestyles, like\u003cbr\u003edowngrading to a smaller house, or selling their car. While these are great ideas, they aren't\u003cbr\u003every helpful for people who need ways to change their financial footprint immediately.\u003cbr\u003eSo, I decided to pull together a report that will give you some concrete ways to start cutting\u003cbr\u003ecosts TODAY. In this short report, you will find 50 ways to save money in a variety of ways –\u003cbr\u003ethings you can do starting today.\u003cbr\u003eWhile not every section will necessarily apply to you or your situation, there will be plenty of\u003cbr\u003esuggestions that will make sense in your life.\u003cbr\u003eWon't you spend some time with me and take a look at this report. See what strikes you as\u003cbr\u003esomething that is do-able for your lifestyle, and get started trimming your budget NOW.\u003cbr\u003eWORK FOR YOURSELF, JUST BY REFERING FRIENDS TO SIGN UP FOR FREE TRIAL, YOU GET $20\/REFERRAL\u003cbr\u003e\u003cbr\u003eSAVING MONEY ON HEALTH AND FITNESS\u003cbr\u003eSaving money in this category provides a pleasant bonus. As you get healthier using these\u003cbr\u003emoney saving fitness options, you may just save money on health care, as well! Here are five\u003cbr\u003eways to save money on health and fitness for you and your family:\u003cbr\u003e1. Forget the Fancy Gym. Many people sign up for an upscale gym, thinking that the\u003cbr\u003emore they pay, the more they're likely to actually use the facilities. Unfortunately, that's not\u003cbr\u003etrue. According to the International Health Club Association, 90% of those who join health\u003cbr\u003eand fitness clubs will stop going regularly within the first 90 days – but the payments still keep\u003cbr\u003ecoming in! Good for the gym; bad for your health and your budget.\u003cbr\u003eThe way to avoid paying through the nose for services you're not using is to start by avoiding\u003cbr\u003ethe upscale gyms with on-call masseuses and on-site spa. Go bare-bones and get your\u003cbr\u003epampering elsewhere! Also, knowing that the odds are against you, choose the monthly\u003cbr\u003epayment versus the one-pay, no-cancel alternative, even if it looks more expensive. There's a\u003cbr\u003e90 percent chance that you're going to want to cancel, so keep that option open.\u003cbr\u003e2. Pay in Cash. Health care providers are facing non-payment for services already\u003cbr\u003erendered, just like almost every business owner. This puts the cash payer in a good position.\u003cbr\u003eYou may be able to negotiate a lower upfront cost by paying in cash, immediately, rather\u003cbr\u003ethan waiting to be billed, or asking the office to submit through your insurance. If you don’t\u003cbr\u003ehave insurance, ask for a discount. The answer may be pleasantly surprising!\u003cbr\u003eBe sure to call ahead and ask to speak to the billing specialist. If you wait until you're at the\u003cbr\u003eoffice and you've already been treated, it's easier for the office person to say no. Also, the\u003cbr\u003eperson with the power to say \"yes\" may not be available.\u003cbr\u003e3. Shop Around. Even if you've seen Doctor Z forever and feel a tad uneasy thinking\u003cbr\u003eabout changing, the cost savings you may realize by changing health care providers may\u003cbr\u003eoverride your emotions. Newly minted doctors, chiropractors, and dentists looking to build\u003cbr\u003etheir practices may provide routine services for significantly lower prices. Many dentists offer\u003cbr\u003e\"new patient\" specials for cleanings and X-rays, and chiropractors often provide similar\u003cbr\u003ediscounts with new patient screenings.\u003cbr\u003eWORK FOR YOURSELF, JUST BY REFERING FRIENDS TO SIGN UP FOR FREE TRIAL, YOU GET $20\/REFERRAL\u003cbr\u003e\u003cbr\u003e4. Go to the Amateurs. While you wouldn't necessarily want to have brain surgery from\u003cbr\u003ea first-year med student, getting your teeth cleaned by an experienced dental student or\u003cbr\u003ehygienist who's overseen by a licensed professional is virtually risk-free – and a lot less\u003cbr\u003eexpensive! The same goes for choosing a personal trainer working towards certification.\u003cbr\u003eBefore you go to the high-paid professionals, check out local colleges and vocational\u003cbr\u003eschools in the area to see what kinds of possibilities are available for you to volunteer as a\u003cbr\u003e\"guinea pig.\"\u003cbr\u003e5. Find a Friend.","brand":"7th floor 2012","offers":[{"title":"Default Title","offer_id":47069103161584,"sku":"2940014108010","price":0.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0737\/7593\/9824\/files\/2940014108010_p0.jpg?v=1763600818","url":"https:\/\/shop-qa.barnesandnoble.com\/products\/2940014108010","provider":"Barnes \u0026 Noble (DEV)","version":"1.0","type":"link"}