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Location: Warrens, WI
Website: http://news.theglobaltribune.com/story/191638/simple-quarters-promises-the-best-offers-with-quick-cl

To achieve a more stable financial situation, you should open up a savings account and put money in it regularly. This could mean that you may not need a loan, and that you can handle unknown circumstances if need be. Even if you cannot make a big contribution every month, you should still save up as much as possible.

A great way to save money is to swap out all of your regular light bulbs for CFLs. Changing to more efficient light bulbs will decrease your electric bill and help the environment. CFL bulbs also save you money and trouble because they don't need to be replaced as often. By purchasing fewer bulbs, you won't be spending as much money.

Each time you receive a check, the first thing you should do is put some of it in savings. It is easier to save money every week rather than waiting to see what you have left when the month is over. Knowing this money is put aside for savings, it helps you to create a budget and avoids the temptation to spend it.

A sale at a grocery can be a good deal, but only if you get as much as you know you will be able to use. Even if the items you stock up on are ones you regularly use, you have to be able to consume them all before their expiration dates. Look for bargains that you can actually use.

If you find yourself using a bank debit card, consider switching to a credit card. Once you have applied for, and received your card, you should use it for all of your day-to-day purchases. Most often, credit card companies provide rewards for the use of their cards so you may see cash back on these items.

Emergencies happen to everyone, so be sure to have savings ready when the time comes. Put money aside for a vacation you have always dreamed of, or for expenses you are foreseeing such as paying back your student loans.

Credit card rules have changed recently, especially for people under 21 years of age. Credit card companies used to give cards freely to college students. These days, you'll be required to demonstrate that you have a reliable income or a cosigner to pay the debt in case you default. Read the literature of a credit card offer before you apply for it.

-- Simple Quarters

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