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Money Saving TipsConsider a prepaid cell phone plan. One company offers a plan for $25 per month that has 300 minutes of talk time, unlimited texting and internet usage. Total savings up to $400 per year.
Compare your car insurance rates. Many people do not want to spend the time to do this, and they may be wasting money. Most companies allow you to get a quote online, so you do not even have to speak to a salesman. Also, raising the deductible to $1,000 saves an average person about $200 per year.
Driving a car that averages 30 mpg versus 20 mpg can save you $900 per year in gasoline costs.
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Question: Can closing a credit card negatively affect your credit score?
Answer: Closing a credit card can lower your credit score. Most people assume that closing a card is a good thing, but it can have a negative impact. You really need to be aware of this potential, especially if you are thinking about a new loan for a car or a home. A drop in your credit score could result in a higher loan rate. There are many factors that affect your score, and the most important thing to remember is to use credit wisely and not open too many credit cards in the first place.