THE 2 ADULTS RIGHT THERE YOU ARE ASKED TO CALL POLICE RIGHT AWAY CALL 911.
>>JENNIFER WAUGH: IT IS NOW 24 MINUTES AFTER 8 O’CLOCK THIS 80% OF AMERICANS ARE IN DEBT
AND COVID IS HURTLING ONLY MADE
MANY OF THEM THEIR
FINANCES WORSE, WHICH IS WHY
THIS MORNING WE WANT TO HELP
YOU SAVE MONEY ON YOUR MONTHLY
BILLS AND REDUCE WHAT
YOU OWE. JOINING ME VIA ZOOM
THIS MORNING IS JEANETTE PAVINI
SHE IS A SAVINGS EXPERT ALSO
AUTHOR OF THE JOY OF SAVINGS
GOOD MORNING, THANKS FOR BEING
WITH US.
>> I THANK YOU FOR HAVING ME SO
YOU HAVE.
YOU HAVE. >>JENNIFER WAUGH: FORMULA THAT CAN HELP A COUPLE OR EVEN A
FAMILY SAVE ABOUT $5,000 A
YEAR. WHAT IS IT. YES.
>> IT’S REALLY A THREE-STEP PROCESS. THE FIRST THING YOU WANT TO DO IS WRITE OUT AND
LOOK AT EVERY SINGLE SOLITARY
EXPENSE THAT YOU HAVE IN THE
MOTT AND THEN TO
FIGHT BACK INTO 2 CATEGORIES
THINGS THAT ARE FLEXIBLE IN
OTHER WORDS YOU MIGHT BE ABLE
TO REDUCE OR GET RID OF THAT
EXPENSE AND THEN THINGS THAT
ARE SET AND STEM LIKE YOUR RENT
OR YOUR MORTGAGE WISHON THAT’S
THAT YOU REALLY DON’T HAVE MUCH
CONTROL OVER SO LET’S FOCUS ON THE FLEXIBLE THINGS SUCH THINGS LIKE YOUR GROCERY BILL
YOUR CABLE BILL YOUR CELL PHONE
BILL PERSONAL ENTERTAINMENT
PERSONAL ACT
HERE PRODUCTS, ALL OF THOSE
THINGS YOU HAVE SO MUCH
FLEXIBILITY ON AND JUST BY
SIMPLE CHANGES OR MAYBE EVEN A
PHONE CALL TO THE COMPANY YOU
CAN SAVE A SIGNIFICANT AMOUNT
OF MONEY TO SAY $400
A MONTH IS REALLY WITHIN REACH
OUT. SO LET’S START WITH
GROCERIES FOR EXAMPLE, THIS
GETS ME EVERY TIME I WALK IN
I’VE GOT
MY LIST.
>>LAUREN VERNO: THEN I SEE THE
BOGO TONIGHT END UP LEAVING
WITH TWICE AS MUCH AS I HAD
PLANNED
ON BUYING. DO YOU HAVE ANY
OTHER SUGGESTIONS ABOUT HOW TO
REDUCE GROCERY COSTS.
>> YES, BECAUSE YOUR
GROCERY BILL IS THE NUMBER ONE
THING IN YOUR MONTHLY BUDGET
THAT YOU HAVE SO MUCH
CONTROL OVER HAVE 3 STEPS WITH
THIS THE FIRST THING YOU WANT
TO DO IS
SIGN THAT 3 GROCERY STORES
LOYALTY CARD IF YOU DO NOTHING
ELSE DO THAT
SHE THEN YOU BUILD
YOUR MENU BASED ON WHAT IS
ON SALE YOU LOOK AT YOUR WEEK
AHEAD, YOU LOOK AT WHAT’S
ON SALE. YOU PUT TOGETHER THE
ITEMS THAT THE OTHER ITEMS THAT
YOU NEED AND THAT IS YOUR PLAN THAT’S WHAT YOU’RE GOING TO BUY AND THEN USE COUPON BUT YOU
DON’T STOP COM HAS A GREAT APP
SHOULD BECAUSE NOT ONLY DO YOU
GET COUPONS THAT THEY ALSO HAVE
A LOT OF CASH BACK.
AND AND JUST LIKE CASH BACK AND
COUPONS YOU CAN SAVE EVEN
MORE MONEY DOING THOSE 3 THINGS
CAN SLASH GROCERY BILL BY UP TO
50% AND IF YOU ARE BUYING LUNCH OUT WITH SEE IT GOING TO WORK OR YOUR KIDS THAT YOU KNOW
BLACK REALLY THAT IS ONE AREA I
SUGGEST THAT YOU CUT BACK ON A
BROWN BAG FOR A WHILE YEAH
THAT’S 10 OR $15 A DAY IF YOU
THINK ABOUT IT REALLY ADDS UP
WHAT ABOUT REDUCING MONTHLY
BILLS.
SO THE MONEY GOES AND I DID
THIS IS THE BEGINNING OF THE
YEAR SO THAT WHEN I PUT MY BOOK
WAS COMING OUT I COULD SPEAK
TO IT T 3 THINGS FOR EXAMPLE I
TOOK DOW MY CABLE AND UTILITY
BILL AND I HAVE A HOME ALARM
SYSTEM
THAT UP. I HOLD ALL 3 OF THOSE
COMPANIES AND I WAS ABLE TO
NEGOTIATE A NEW AGREEMENT WITH
MY CABLE BILL THAT SAVING
ABOUT 40 $4050 A
MONTH MY CELL PHONE SERVICE YOU
SHOULD CALL EVERY 6 MONTHS TO
SEE IF THERE’S A BETTER PLAN
BELIEVE IT OR NOT I SAY
$90 BY SWITCHING PLANS
AND YOUR AUTO INSURANCE RIGHT
NOW YOU’RE DRIVING MUCH LAST
CALL YOUR AUTO INSURANCE
CARRIER SEE IF YOU LOWER IT AND
ALSO IF YOU HAVE ONE POLICY
MAKE SURE YOU’RE GETTING UP YOU
KNOW BUNDLE PACKAGE RATE ON ALL OF YOUR MONEY JUST CAMPBELL TO POLICY DISCOUNT
FROM YOUR INSURANCE COMPANY,
THOSE CAN SAVE US IS CLOSE TO
$200 A MONTH JUST BY MAKING
THOSE PHONE CALLS AND PICKING
UP THE MAKING THE COLLEGE IS
SIMPLY ASKING GREAT ADVICE.