High-yield savings accounts are getting harder to find, but they do still exist! Make sure that you are getting the best interest rates for your money. Sticking with your big bank: You might want to stick with your big bank because you like having all your accounts at one place or you think it's a hassle to move your money around.Make sure you do your research to see if refinancing is right for you. You may be able to find a plan that lets you pay less for your debt payments without greatly increasing the total cost of your loan. Not refinancing your mortgage or car loan: Make an effort to contact lenders about monthly rates.Splitwise is a great website to use when you're trying to calculate how much rent each roommate should pay. Be aware that there can be situations in which an irresponsible roommate can cause a lot of headaches, so make sure you create a roommate agreement before anyone moves in. Living by yourself: Splitting the apartment rent with roommates or renting out all the rooms in your home can greatly ease your living costs.The worst thing that will happen is the answer "no." Negotiate interest rates at your bank, a better plan for your cell phone bill, accidental overdraft charges, better terms on your loan payments, and more. Not negotiating for lower rates: There's a quote that says "Success in life is directly proportional to the number of awkward conversations you're willing to have." People shy away from negotiation because they feel like it's uncomfortable, but if you don't ask, you don't get. Many taste tests have proven that generic products taste just as good and sometimes even better than brand-name ones. Generic medicine aside, you should also consider skipping out on brand-name goods when grocery shopping or buying everyday items. Read to find out how safe generic drugs are. The FDA says consumers will save 80 to 85 percent by going generic. Health bills are already as expensive as it is, and switching to generic medicine will save you a ton. Buying brand-name instead of generic: Sick of personal finance experts telling you to buy generic, buy generic, buy generic? Well, embed that into your brain, because buying generic will save you a boatload of money.The amount of energy wasted is equivalent to the output of 18 power stations! In fact, they draw five percent of the energy in American homes, according to a study by the Lawrence Berkeley National Laboratory. Electronic items still suck power even when they aren't turned on. Leaving your electronics plugged in: It's easy to be lazy and leave your electronics plugged in because you figure you'll be using them soon.Be a responsible consumer - the sooner you catch on to suspicious fees, the more chances you'll have of getting your money back. Now that big banks are trying to slip in more fees to the unsuspecting customer, you have more reason to monitor your statements. This may save you money, and it'll definitely save you the time and effort of having to go back to the store or calling them to deduct the mistaken charges. Get into a habit of giving your receipts a quick once-over as soon as you receive them. Never checking your bills for mistakes: Monitor your receipts, bills, and statements to see if there are any mistakes being made.Here are even more tips for lengthening the life of your groceries. Do things like only cutting fruits and vegetables when you need them, putting your bread in the fridge or the freezer, and making perishable items more visible in your fridge. If you're throwing away food, you're wasting money. Not preserving your groceries: Even if you're good about saving on your groceries and avoiding the items that are greatly marked up in the supermarket, those savings will be worth less if you don't know how to properly preserve your groceries.Whenever I buy greatly discounted items at a big annual sale like Black Friday, an outlet mall, or on some flash sales site, I wonder why I ever bought items at full-price. Buying things that are not on sale: Most items generally go on sale if you wait for it.
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