1. Consolidate. Consolidate. Consolidate. Ask Yochanon Gordon at Southland Wireless (818-986-1370) for help combining your cell phone plans. Also, some insurance companies offer discounts for married couple.
2. Pay Off Credit Card Debt. Call the 1-800 number on your credit cards and ask if they can lower your annual APR (interest rate). Transferring balances from a high interest credit card to a low interest credit card can help also, but beware that doing this too often could effect your credit score.
3. You'd Better Shop Around. You or your (future) spouse might be paying too much for internet, insurance, phone, or many other services. Shop around.
4. Avoid Surprise Bills. Ask your (future) husband and look over past statements to see what gets automatically billed to his credit card annually that can be eliminated. That long-forgotten about subscription to Classmates.com, Yahoo super-mail, or other services can turn up as a surprise bill on your credit card statement.
6. Have a Savings Strategy. Look for high interest CDs or savings accounts to sock away money. If you want quick access to the funds, a liquid CD might do the trick. Talk to your bank to find the best option for you.
7. Introducing Mister and Misses. Make sure to add your name to his accounts and vice versa. This includes bank accounts as well as retirement savings accounts. Contact disability and life insurance providers and make sure you are listed as your spouse's beneficiary.
8. Know Who Pays the Bills. Avoid late fees by having a clear understanding of who opens the mail and who pays the bills. Have an organized system of making sure bills are paid on time.
9. Don't Spend More than You Can Afford.
10. Make Shabbos Special. The rest of the week, live simply and save your money.
11. Give Tzedakah. As stated in Malachi (3:10): “Bring all the tithes into the treasury so that there may be nourishment in My House. Test Me, if you will, with this, says the L-rd of Hosts, [see] if I will not open for you the windows of the heavens and pour down for you blessing until there be no room to suffice for it.”
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