10 Money saving tips for the new year

1. Save up before you spend your money on that new XBox 360…don’t put it on a credit card.

2. Join a credit union or find a bank that offers free student checking accounts

3. Prepare your FAFSA and apply for financial aid with your school

4. Apply for scholarships

5. Don’t buy textbooks unless absolutely necessary, and if you do, be smart about it

6. Learn how to eat on a college student’s budget

7. Make a budget and track your spending

8. Don’t get a credit card unless you can use it responsibly (if you do, don’t apply for more than two because multiple inquiries can hurt your score)

9. Join Netflix instead of renting movies, better yet, watch them online for free (or much cheaper). Even better, rent them at your local library. (Thanks TipDiva)

10. Utilize your school’s gym, computer lab, health clinic and other resources. You already pay for them.

For refinance home mortgage, it is important that you bank thinks your credit card application worthy of it. With the increasing frequency of debt consolidation loans, it is hard to trust one with a creditcard. Also, the bank takes any kind of investment in good regard.