It seems like new digital devices and media are being created every day to improve everyday life. Many times, these devices save time by increasing the efficiency of your daily tasks. But they can also help you see long-term financial savings. The best part is that this technology often doesn’t cost a lot of money.
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Use a Student Loan Calculator
Do you still have debt from school? If so, consider refinancing them. Often, you can get lower interest rates or less expensive monthly payments. Your savings will depend on factors like your credit history. Student loan calculators allow you to preview your potential savings from refinancing student loans. That way, you can decide if refinancing is for you.
Look for Digital Coupons
It might seem old-fashioned, but with online resources, there are new ways of finding and redeeming coupons. There are many websites devoted to offering coupons, so some customers are using them more now. You can save money on luxury or retail purchases, but the majority of many coupons focus on everyday expenses like drinks or food. Saving money on day-to-day expenditures is where the savings really start to add up.
You can print out and redeem coupons in the store or you can have the cashier scan the code directly from your phone’s screen. You can also find promotional codes for buying things online. Don’t wait for them to appear while you’re shopping. Be proactive and claim what you need now. Subscribe to the newsletters of merchants you frequently shop at. That’ll let you get coupons and promotional deals.
Use Smartphone Applications
Most basic phones come with internet browsers, but the small screen often makes it hard to connect. That’s where apps come in. Today, the smartphone is a portable computer that lets you do nearly any function or task you can think of, even when you’re on the move. There are many apps that help you find the best deals online. Some announce promotions and deals in real-time, and others provide directions to your favorite store. By going for deals as soon as they’re available, you can save a lot of money.
Increase Energy Efficiency
LED bulbs don’t use as much energy as incandescent ones. LED bulbs do cost more than their incandescent counterparts, so this is best for rooms you use often. Generally, it’s better to switch to LED for rooms you spend at least a few hours in each day. Ceiling fans can also help you reduce your energy bills. They’re more efficient than air conditioning, and they often pay for themselves in a year.
Look for one that has an LED light fixture in it so you can light your room at night. Finally, if you forget to turn off your lights when you go to bed, look for a smart plug. You can use it to remotely activate or deactivate any device, which is especially good if you’ll be away. That way, you can turn on lights in your home to make it look like someone is there.