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Episode 2~ SAVE MORE: How to Save Money by Using Websites That Find You the Best Cell Phone Plan for Your Calling Patterns

Save more money with The Easy Money Show

AN ACCOUNTING GROUP ANALYZED AMERICAN CELL PHONE BILLS AND FOUND THAT 59 PERCENT OF US SPEND MORE THAN $100 A MONTH ON THEM AND 13 PERCENT OF US SPEND MORE THAN $200 DOLLARS A MONTH! I’M A BIG BELIEVER THAT TO SAVE BIG YOU HAVE TO FIGURE OUT WHERE YOU SPEND BIG, SO, HEARING THESE STATISTICS, CELL PHONE BILLS DEFINITELY QUALIFY.

THE PROBLEM IS THAT THERE ARE DOZENS OF CELL SERVICE PROVIDERS AND EACH OF THEM OFFERS DOZENS OF PLANS, SO NO NORMAL HUMAN COULD SIFT THROUGH ALL OF THEM, EVEN IF WE DID HAVE THE TIME AND ENERGY. BUT IT’S A PERFECT JOB FOR A COMPUTER! SO TODAY I WANT TO TELL YOU ABOUT 2 FREE ONLINE SERVICES THAT ANALYZE YOUR CELL PHONE BILL AND SUGGEST ALTERNATIVE OPTIONS TO SAVE YOU BIG MONEY.

THE FIRST IS CALLED WHISTLEOUT.COM AND IT BOASTS THAT IT ANALYZES 95,763 DIFFERENT PLAN COMBINATIONS FROM 32 DIFFERENT SUPPLIERS TO HELP FIND THE BEST DEAL FOR YOU. AND THAT’S REALLY THE KEY. THERE IS NO ONE PLAN THAT’S THE BEST. YOUR USAGE PATTERN DICTATES THE BEST PLAN FOR YOU. PATTERN = PLAN. THE WHISTLE OUT SITE HAS YOU ENTER YOUR OWN AMOUNT OF DATA, MINUTES AND MESSAGES PER MONTH AND THEN IT SUGGESTS ALTERNATIVE PLANS OR CARRIERS FOR YOU. YOU CAN EVEN CHOOSE HOW MANY LINES YOU WANT AND WHETHER YOU WANT TO USE YOUR EXISTING PHONE OR GET A NEW ONE.

THE OTHER SITE IS CALLED WIRELESSBUTLER.COM. TO USE WIRELESS BUTLER, YOU UPLOAD YOUR CELL PHONE BILL AND IT THEN ANALYZES YOUR PLAN AND USAGE HABITS. WHEN I WAS DOING A SAVINGS MAKEOVER ON A VIRGINIA COUPLE WITH 7 CHILDREN, I WAS STUNNED TO HEAR THAT THEIR MONTHLY CELL PHONE BILL WAS $578 FOR 6 PHONES. THE TEAM BEHIND WIRELESS BUTLER ANALYZED THEIR BILL AND FOUND THAT THEY WERE PAYING FOR MINUTES THEY DIDN’T USE AND THAT THEY HAD NOT REGISTERED THEIR MOST FREQUENTLY CALLED NUMBERS WITH THEIR CARRIER TO TAKE ADVANTAGE OF A PROGRAM THAT WOULD MAKE THOSE CALLS FREE. ALL IN ALL, WIRELESS BUTLER WAS ABLE TO FIND THE FAMILY $1,069 A YEAR IN SAVINGS!
THIS IS THE KIND OF SAVINGS STRATEGY I LIKE BECAUSE YOU SAVE MORE BY BEING SMART, NOT BY BEING DEPRIVED. IN CASE YOU DIDN’T CATCH THOSE CELL PHONE SAVINGS WEBSITES,

HERE THEY ARE AGAIN:
WHISTLEOUT.COM
WIRELESSBUTLER.COM

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Episode 1~ SAVE MORE: How To Save Thousands of Dollars by Refinancing Your Car Loan

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A FEW YEARS AGO I WROTE A BOOK CALLED SAVE BIG ABOUT HOW TO SAVE LOTS OF MONEY AND IT HAS MORE THAN A HUNDRED STRATEGIES IN IT, BUT… NOOOO… NOT THIS ONE! THE BOOK WAS LITERALLY AT THE PUBLISHER BEING PRINTED WHEN I FOUND OUT ABOUT THIS STRATEGY THAT CAN SAVE YOU THOUSANDS OF DOLLARS.
THE STRATEGY IS REFINANCING YOUR CAR LOAN! YES! YOUR CAR LOAN! I’M SURE , YOU’VE HEARD OF REFINANCING YOUR MORTGAGE. IF YOU’RE A HOMEOWNER, YOU’VE PROBABLY DONE IT. BUT HARDLY ANYBODY HAS EVER HEARD OF REFINANCING A CAR LOAN! HERE ARE THE KEYS:
•FIRST: YOUR VEHICLE NEEDS TO BE ON THE NEWER SIDE, SO THERE’S ENOUGH VALUE IN IT FOR LENDERS TO BE INTERESTED. NOT BRAND NEW, BUT DECENT.
•NUMBER 2: MANY BANKS REFINANCE CAR LOANS. BUT KEEP IN MIND THAT CREDIT UNIONS HAVE TURNED THIS INTO SORT OF A SPECIALTY, SO BE SURE TO CHECK WITH A CREDIT UNION TOO. NOT A MEMBER? ANYONE CAN JOIN A CREDIT UNION. IT DOESN’T MATTER WHERE YOU WORK. JUST GO TO FINDACREDITUNION.COM AND THERE WILL BE ONE YOU QUALIFY FOR, SOMETIMES JUST BECAUSE OF WHERE YOU LIVE!.
•NUMBER 3: TRY TO REDUCE NOT JUST YOUR INTEREST RATE, BUT THE LENGTH OF YOUR LOAN, SO YOU HAVE TWO DIFFERENT WAYS TO SAVE. NEARLY A THIRD OF AMERICANS NOW TAKE OUT 6 AND 7 YEAR CAR LOANS AND IT’S AWFUL TO PAY INTEREST FOR SO LONG ON SOMETHING THAT DEPRECIATES SO FAST.
•AND 4TH AND BEST OF ALL: AUTO REFINANCES DO NOT HAVE COMPLICATED PAPERWORK OR CLOSING COSTS THE WAY MORTGAGE REFIS DO. THEY’RE QUICK, SIMPLE AND CAN SAY YOU BIG MONEY!
IN FACT, WHEN I WAS AT GOOD MORNING AMERICA, I DID A SAVINGS MAKEOVER ON A NEW JERSEY FAMILY AND HELPED THEM REFINANCE THEIR CAR LOAN. THEIR INTEREST RATE WENT FROM 10% DOWN TO 7.5 % AND THEY SAVED $1,995! NEARLY 2-THOUSAND DOLLARS IN SAVINGS FROM A STRATEGY THAT TAKES ALMOST NO EFFORT.

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