How many of you are starting to fill the stress and/or strain of the Winter bills and the gift buying? I think I’ve done pretty well so far, but I’m sure some of us are feeling it. Along with a fabulous giveaway of a $50 Visa Gift Card (entry details below), BillFloat has several tips for saving this season, to cut some of our costs.
Holiday Tips for Trimming Not Just the Tree, but Bills Too
The holidays are typically filled with good will and joy for all, but often that comes at a price. The price tag for presents, a traditional holiday meal and festive parties may not come cheap for many, during a time that is hitting most Americans hard with the current economy. To this end, BillFloat, the nation’s only bill payment provider to give consumers more time to pay when they need it, offers the following tips on how consumers can maximize their resources this holiday season:
- Don’t Pay the Minimum Balance! This is an oldie but goodie. Racking up credit card bills will only hurt you in the long run. The interest you pay may be more than the original charges. Pay as much as you can even if it is just a few dollars more than the minimum balance, as it will help you work to trim down that debt over time.
- Invest in Water! A popular fable is about the person who put the amount they normally pay for their Starbucks Latte and invested it and they had thousands of dollars over the years. To take that one step further, cutting back on the sodas, alcohol and other beverages can equal even more savings. Water is free and it is better for you in the long run.
- Never Pay Full Price! Tis the season for deals! The holiday season is filled with discounts, as retailers, restaurants and other merchants compete over every penny they can get. Look for coupons, discounts and sales, and only buy what is NEEDED vs. WANTED.
- Do the Homework! When making a large purchase and taking out a short-term loan, determining how to use your money by finding the best rate. Just because a big bank is offering a “convenient” loan, doesn’t mean that there aren’t credible online lenders that have better interest rates and lower fees.
- Get Back to the Spirit of the Season! Instead of going lavish with shows, tons of presents and parties, invest in serving and giving time to others in need this holiday season. There are many great causes that may be local, and will make this time of year one of the most memorable by helping those in need.
- Turn Up Your Sweater! Lowering the thermostat a few degrees can save hundreds of dollars a year. It is easy to put on another sweater or blanket and snuggle, while watching TV.
- Look for Free Money! This November and December BillFloat is picking one person every day to pay a bill or unexpected expense up to $50! Tweet using the hashtag #PlsPayMyBill or directly tweet @BillFloat describing a recent bill, charge, unexpected fee, ticket or payment of any kind, and you could have that bill paid in full for free without having to pay it back.
If you aren’t familiar with BillFloat, they help consumers break the cycle of debt. BillFloat has an industry-first business model, which offers consumer-friendly financial products, and empowers customers to pay their bills on time and spend responsibly. With some of the lowest lending rates for short-term loans, BillFloat is creating a new category of services in the financial industry. You can visit the BillFloat website, for more information!
BillFloat will be giving 1 lucky Cleverhousewife.com reader a $50 Visa Gift Card. This giveaway is open to the US only and will end at 11:59pm PST on 12/15/11. To enter, fill out the Rafflecopter form below.
I received a promotional item to facilitate my review.
groceries for the family.
Agree with Claire, it would used towards holiday groceries.
I would use this gift card for groceries as well 🙂
Id use it for Christmas Presents, I might not be able to buy christmas presents this year because of a tight budget
I would take my kids to the movies 🙂
I need this and would love to win. Thanks for a chance! : )
I would use it to buy a new tree skirt! 🙂
I would use it at Babies R Us which has a great sale on Formula and baby wash (to stack with manufacturers coupons) right now, BUT since it is free money I would stop by Starbucks on the way and get a white mocha with extra whip cream.
serious I would use itt on my kids christmas as I am out of work and have no income not even unemployment so anything helps…
I would use it for gifts!
I would use towards Christmas gifts
Dinner out with my husband! He is returning from deployment!
Groceries for a wonderful holiday dinner!
I would use it for a gift for my daughter.
I would use it to buy a St. Louis Cardinals World Series sweatshirt for my son
who knows but it would come in handy.
For Christmas.
Thanks for the chance.
Minta
[email protected]
I would use it for christmas.thank you for the chance
I would use this to buy some Christmas gifts for my kids.
I’d use it to get winter accessories for myself and family
I would use it for grcoeries
I’d use it to buy Christmas gifts and baking supplies for the cookies I will bake for our local National Guard detachment.
Towards a new iPad I am saving for!
probably gas since that is what I need at the moment 🙂
A cell phone for my hubby, his Samsung Intercept screen is broken.
My husband just got laid off!! BEFORE xmas! Can you believe that! So this would go a looooong way to getting xmas for the kids!!! Thanks for the chance! 🙂
I would use this toward getting our car repaired!
I would use this for Christmas gifts for my family.
I’d use it to help buy Christmas gifts for my 4 kids!
[email protected]
I would probably have to say I would pay my water bill with the gift card so it doesn’t get cut off Monday! 🙁 Thanks for the chance!
I’d buy groceries
I would use it to buy more yarn so I can finish knitting hats & mittens for my Grandkids.
oops forgot to leave my tweet link closed it out too soon! here it is https://twitter.com/#!/crystalclearsav/status/142746923395321858
groceries
I would use it to help with my husband’s truck…the shocks are completely out and I don’t want him to wreck!
Thank you for the giveaway
I did most of my Christmas shopping – but I also have 2 close to Christmas birthdays to shop for, so I’d probably use it for that. 🙂
I would use this towards a cute new pair of boots!
nrdunningATgmailDOtcom
I would to have a date night with my hubby: Dinner and movie!
I would like to pay off my son’s traffic ticket as work has been slow at his shop so his pay check will be small
i’d LOVE to use it for christmas of course!
I would use the gift card to buy Christmas gifts.
I would like to use this toward the toy the WHOLE family wants this year, which is the new Hot Wheels track that attaches to the wall. Oh yeah….How do you say….SUPER COOL!!!????
I would like to be able to by some gifts for my hubby. we are really tight this year since I’ve only been able to work parttime, but he goes above and beyond to support us.
Christmas gifts for 6yo daughter!!!
I would use the gift card for groceries.
I would love to use this gift card for something nice for my mom. I cant really afford to get her anything that great, with this I can make it something better!
Gifts for my kids!
I would use the gift card for…… groceries.
I would use to to buy a travel beyBlade stadium, and a 5 pack of pokemon balls for my son for Christmas!
I would save it for our cruise in feb.
I’m only working part time (not by choice). That could make cookies, tree and some gifts!
I would use it to buy my son some new jeans. He has hit a killer growth spurt.
I would like to do something for mu daughter for her birthday.
Maybe take my kids to the movies – we’re too cheap to just pay for them.
i would use it for x-mas!!!
I would use it to buy me some jeans since I just gave birth and still not fit on mines!
i would use this to fill up my gas tank once.
clothes
Would love to use this for a gift for my husband.
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I would use this card to pay down some bills i had when i was out of work for my gall bladder. I have four children and this would help out a lot!
Would use to buy some Christmas gifts
they’d be great for groceries and maybe a little splurge 🙂
I want to use the gift card to buy my daughter some Shake it up clothes from Target.
I would use it to share the Christmas love!!! 🙂
I would like to get something nice for my Husband, he works so hard to support our family and never asks for anything.
He’s a great Husband and an awesome Father to our kids. It would just be nice to do something for him.
Thanks for the great Giveaways.
This would help pay for our Christmas dinner.
Bday present for my hubby!
I would use the gift card to get Christmas presents!
[email protected]
I’d like to buy some winter clothes for my daughter.
I would love to use this card to buy Legos for my son for Christmas!
I would use it to get a much needed massage.
I think i would use this card in the food store. I would love to trim down my food bill for week to almost nothing.Thanks
carolwegs at gmail dot com
to help pay for some car repairs that just happened.
I would use it to get my kids some winter clothes.
I would use it to buy something special for my husband!
I would get something for my parents and my fiance’s parents as they have helped us a lot over this last year and a half.
a new battery for my laptop
I would use it to help buy my kids something for christmas.
I’d use it to pay for gas.
I’ll probably gift it to my friend. She’s had a rough year and could use it. Thanks for the giveaway!
I would use it to buy Christmas presents for my family.
I would use it to get gas
either my electric bill thats over due or my gas bill that i got a cut off notice for today:/ im a mommy of two girls ages 2 and 4 not able to work
it would really help for gifts for my family. my husband walked out on us oct 1, im disabled and waiting on my ssi, i have no money to buy gifts! my older daughter has given me some money to buy groceries and gas, but she doesnt have much either, so i cant bother her with it. i just want to get my 14year old daughter some clothes and a hair cut for christmas; this would help a lot, thanks for the opportunity
I would like to use it to help pay for xmas
[email protected]
I would probably pay a bill with it..or put gas in the car! thanks!!
ashleygatewood1(AT)gmail.com
I would use it to buy gifts
My husband and I are beginners at stockpiling and just are getting the hang of it. I would love to use that to stockpile on stuff we need and then use some of our stockpile to help some people I know that is in need in our small, jobless community.
Thank you for the opportunity!
I would like you win this giftcard to help pay for some winter clothes for my almost 6 yr old daughter.
I’d use the gift card to take my husband out to dinner for his birthday. We don’t do birthday or Christmas gifts for each other, but at least we do birthday dinners!
I would use this to help throw my sister a birthday party. She has been stationed far away & is coming home for her bday & Christmas!
I would buy a present for my new kitten!
I would use this gift card to give my daughter a Christmas. We have no money this year so presents are impossible. Here’s hoping <3
I would use the gift card to get my mother a Christmas gift she really want, it’ll at least help out.
I would love to give it to my parent for their needs. Thanks for the chance to win.
I would put it into my husbands stocking since we are not buying for each other this year only the kids to surprise him.
I would use it to pay for my prescriptions.
I would use it to take my mom out to dinner.
I would use this to help my family who is having lots of problems this Christmas. I would give it to them to get what they need most; food, presents or other things. It would be such a great present to them. Times are really tough.
I would by my grandson more christmas presents.
My husband lost his job i have lost my job…
My kids are ages 14-11 they are expecting somethin under the christmas tree..
Ive been looking for work so hasnt my husband i would apperciate it santa if you could help me will u please put something under the tree for my children
I would use this card to buy me some new shoes, I need them badly.
i got a bill for the remaining charges for my infant son’s vaccines, 46 dollars, so this would be GREAT!
I would use as a stocking stuffer for my daughter.
I’d use it to buy a router. 🙂
Entered
I would use it to put toward a new camera
christmas gifts for my son!
seeing that under our tree is empty I’d like to put something under there for my son’s
I would definitely use this for Christmas shopping!
I would use it to buy my kids something for Christmas.
I would use it to buy food.
Id Use it as a stocking stuffer
I would put it toward Christmas presents.
I would put it toward presents.
I would put it toward my hubby’s Christmas Xbox 🙂
I would use this to help pay for the repairs that have to be done on our only car. So my husband can get to and from work on base.
I’d use it for Christmas for my children.
I would use this gift to buy myself something after the holidays are over.
I would use this to finish up my Christmas shopping!
I would use it for my eldest son, his little brother and sister get all the cool stuff. lol
Id use it to help out my best friends family get some Christmas gifts for their children! 🙂 Merry christmas
I would use it to pay for gas while visiting everyone for Christmas.
this would help with xmas!!
ty so much for the chance to win! I would spend it on pediasure for my daughter with autism. Its pricey! 🙂 ty
I would use it to take my cat to the vets. I think she has a UTI
It has been an extremely hard year for us, with the loss of two jobs, and many expensive car issues. I would definitely use this card to pay bills! Thanks!
I would use it for Christmas gifts.
i soo NEED This! In a tight spot can really use it! 🙂
I would use it to take my family out to dinner. We don’t do that often (not since June).
for all my late christmas gifts…
I am expecting my first baby any day now! The money would go towards items I haven’t received yet!! 🙂
I’d use it to pay for an old medical bill I still have, or Christmas needs.
bakeware!!
I would spend it on xmas gifts for my son.
I would use the gift card to finish my Christmas shopping!
i would buy all teh stocking stuffers for my family
I would use it to buy groceries.
I would use it for Christmas!!! XoXo
I would by myself something nice after the stress of the holidays.
I would use it for groceries.
I’d use it toward Christmas gifts.
gifts
I would use it to get gifts for my children!
I could sure use this!!! Aawesome giveaway!
Great advice, I am hoping this coming year is going to be good to me financially and I know I need to take that upon myself but as I owe quite a lot of cards and can usually only afford the minimum payment I really worry I am fighting an uphill battle!