Comments on: Get More Money Without a Second Job http://www.pfadvice.com/2009/12/10/get-more-money-without-a-second-job/ Bridging the gap between saving money and investing Fri, 10 Feb 2012 02:42:04 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Gail http://www.pfadvice.com/2009/12/10/get-more-money-without-a-second-job/comment-page-1/#comment-660529 Gail Wed, 16 Dec 2009 18:21:17 +0000 http://www.savingadvice.com/blog/?p=5535#comment-660529 When we got our mortgage on our house, I got an amortization schedule and figured out when was the soonest my PMI could be canceled and when I made that mortgage payment I also requested that the PMI be canceled. Banks don't have to stop that PMI when you reach that 'sweet' spot they can let it go another year or two or so before they have to cancel it, so if you don't pay attention you could end up spending $100 of dollars over the next couple of years until the bank HAS to cancel it. This is an area where it pays to be paying attention as the bank doesn't refund any PMI it collects. Another thing I do to save even though it takes more time since I am on slow dial up is paying what bills I can on line. The savings on stamps adds up and I prefer to use that postage on sending an encouragement or get well card to people as it is a treat to get something real in the mail. Businesses just want their money so they prefer to be paid on line. This is just one of those little things that adds up over time and it is a non-taxable way to have more money! If you are on Medicare be sure to double check that you have the best Drug plan for you. You have from November 15-December 31 each year to switch plans. I just switched over plans and my most expensive drug is going from $42 a month to $7.50! Plus my monthly premium is going to be less than I have been paying this year. When we got our mortgage on our house, I got an amortization schedule and figured out when was the soonest my PMI could be canceled and when I made that mortgage payment I also requested that the PMI be canceled. Banks don’t have to stop that PMI when you reach that ‘sweet’ spot they can let it go another year or two or so before they have to cancel it, so if you don’t pay attention you could end up spending $100 of dollars over the next couple of years until the bank HAS to cancel it. This is an area where it pays to be paying attention as the bank doesn’t refund any PMI it collects.

Another thing I do to save even though it takes more time since I am on slow dial up is paying what bills I can on line. The savings on stamps adds up and I prefer to use that postage on sending an encouragement or get well card to people as it is a treat to get something real in the mail. Businesses just want their money so they prefer to be paid on line. This is just one of those little things that adds up over time and it is a non-taxable way to have more money!

If you are on Medicare be sure to double check that you have the best Drug plan for you. You have from November 15-December 31 each year to switch plans. I just switched over plans and my most expensive drug is going from $42 a month to $7.50! Plus my monthly premium is going to be less than I have been paying this year.

]]> By: Jan http://www.pfadvice.com/2009/12/10/get-more-money-without-a-second-job/comment-page-1/#comment-660477 Jan Wed, 16 Dec 2009 13:38:23 +0000 http://www.savingadvice.com/blog/?p=5535#comment-660477 Excellent article! I agree with ceejay74 in that this is a great list for those just starting out on the road to financial freedom and frugality. Thank you. Excellent article! I agree with ceejay74 in that this is a great list for those just starting out on the road to financial freedom and frugality. Thank you.

]]> By: Dawn-Marie http://www.pfadvice.com/2009/12/10/get-more-money-without-a-second-job/comment-page-1/#comment-659337 Dawn-Marie Fri, 11 Dec 2009 21:55:28 +0000 http://www.savingadvice.com/blog/?p=5535#comment-659337 We recent;y met with our insurance agent to assess our insurance needs. A few tweaks here and there led to a refund from our premiums. $100 check, not bad with Christmas right around the corner! We recent;y met with our insurance agent to assess our insurance needs. A few tweaks here and there led to a refund from our premiums. $100 check, not bad with Christmas right around the corner!

]]> By: Linda Smith http://www.pfadvice.com/2009/12/10/get-more-money-without-a-second-job/comment-page-1/#comment-659229 Linda Smith Fri, 11 Dec 2009 11:43:37 +0000 http://www.savingadvice.com/blog/?p=5535#comment-659229 Even doing just one thing on this list would be a savings. Every little bit helps! Even doing just one thing on this list would be a savings. Every little bit helps!

]]> By: Torrey http://www.pfadvice.com/2009/12/10/get-more-money-without-a-second-job/comment-page-1/#comment-659130 Torrey Fri, 11 Dec 2009 01:31:22 +0000 http://www.savingadvice.com/blog/?p=5535#comment-659130 I would also check with your employer for employee discounts. Many companies have a long list of companies that will give you discount just for working at your job. For example, I just moved and needed to get homeowners insurance. The lowest quote I got was $1200. I went through a company that give us discounts and saved 400 dollars. Keep doing that and money adds up fast. I would also check with your employer for employee discounts. Many companies have a long list of companies that will give you discount just for working at your job. For example, I just moved and needed to get homeowners insurance. The lowest quote I got was $1200. I went through a company that give us discounts and saved 400 dollars. Keep doing that and money adds up fast.

]]> By: MBAbriefs http://www.pfadvice.com/2009/12/10/get-more-money-without-a-second-job/comment-page-1/#comment-659113 MBAbriefs Thu, 10 Dec 2009 22:49:24 +0000 http://www.savingadvice.com/blog/?p=5535#comment-659113 Great post! A lot of good advice here. Painful, but good. I saw a lot of things I should be doing and have meant to do but have been procrastinating, like switching insurance and changing my cable plan. I never watch cable TV anyway, and my kids certainly don't appreciate the difference between HD and standard cable. Thanks for giving me a little kick in the butt! Great post! A lot of good advice here. Painful, but good. I saw a lot of things I should be doing and have meant to do but have been procrastinating, like switching insurance and changing my cable plan. I never watch cable TV anyway, and my kids certainly don’t appreciate the difference between HD and standard cable. Thanks for giving me a little kick in the butt!

]]> By: ceejay74 http://www.pfadvice.com/2009/12/10/get-more-money-without-a-second-job/comment-page-1/#comment-659057 ceejay74 Thu, 10 Dec 2009 16:10:03 +0000 http://www.savingadvice.com/blog/?p=5535#comment-659057 Great article! Nice big comprehensive list bursting with ideas. This would be a handy primer for anyone who hasn't started cutting back and doesn't know where to start, or for someone who needs to make further cuts to their budget. Great article! Nice big comprehensive list bursting with ideas. This would be a handy primer for anyone who hasn’t started cutting back and doesn’t know where to start, or for someone who needs to make further cuts to their budget.

]]> By: John DeFlumeri Jr http://www.pfadvice.com/2009/12/10/get-more-money-without-a-second-job/comment-page-1/#comment-659000 John DeFlumeri Jr Thu, 10 Dec 2009 08:41:48 +0000 http://www.savingadvice.com/blog/?p=5535#comment-659000 All very smart ideas. Finding cash is better than working longer hours on a second job. Money you find that way is "tax free" because it's all from net pay! John DeFlumeri Jr All very smart ideas. Finding cash is better than working longer hours on a second job. Money you find that way is “tax free” because it’s all from net pay!

John DeFlumeri Jr

]]>