Lower Your Credit Card Interest to Save Money

This will blow you mind, especially if you have a raging credit card interest with big dept on the card. I just found out that you can lower your credit card interest with a simple phone call to the credit card company. Call them them and make an inquiry, a simple question "Can you lower my interest rate?" will impact your monthly credit card bills. Just be polite if the first time you call they say no then ask them how can you make it low. If the first time you did not succeed call again and if you need to call them everyday then do it, there are thousand of agents one of them will agree with you.

You could also ask to talk to a manager and ask him to lower it and if he say no then ask him how can you lower it.

Just remember to be polite and give due respect to the agents. Ask and you shall received... I just did.

Share this to all you friend, it might help them save money too. (Just click the Facebook icon on the upper right corner for easy sharing on Facebook)

Discount Coupons from Safeway

At Safeway coupons are at the back of the receipt. My favorite coupon that became available on the nearest Safeway on our location was the Mc Buy one take one Frappe. It is a good deal so I always check the backof my receipt from Safeway.

Today I went to Safeway just to buy Bok Choy, I just needed fresh vegetable to be topped when I reheat our meal for lunch.. I just cost me .70 cents, but I was supprized when I saw that I have a $10 off discount for a car wash from a local shop, I was just in time because I was really thinking to have our car washed.

My bottom line here is, it is good to be aware of coupon around your area. I'll probably save just $10 but it is better than nothing.

Save Money on Telephone Bills and International Calls

I have a previous post about Magic Jack, how it cheap it is compare to conventional phone services. Well I have another one here but it is not about conventional telephone it is only about making a free call, specially international calls.

The best way I find to make a free international call is by using VOIP or voice over internet protocol. Basically it is using a computer to make calls. Skype is one of the famous name when it comes to VOIP. My problem with Skype is, it is only free if you are calling another Skype user but if you are calling a regular phone the are charges and it varies depending what country you're calling.

Whistle phone, it is also a VOIP, but it could also place free calls on US landlines and mobile phone, all you have to do is download the software from their website and register to open an account. In this way friends and family outside the US can a call to my landline and mobile phone for free instead of placing an international call which is expensive.

Update:
We are now using Google Voice see my post about this Here

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