The price of a clock radio we found at Target.com: $9.99. The cost of shipping and handling said clock: $6.13. That’s reasonable, based on what UPS or the post office would have charged, but who wants to pay two-thirds of a product’s price to have it sent? Especially at holiday time, you’ll want to avoid S&H gotchas. Here’s how:
Do you have a mountain of more than a year’s worth of credit-card bills, ATM receipts, and pay stubs? Hanging on to every scrap of paper is not just a fire hazard. It could take you days instead of minutes to get the information you need for a tax preparer, a financial planner, or an attorney. If you’re the victim of a fire, flood, or theft, locating the data you need to file a claim will just add to your stress. And if something happens to you, loved ones will have a hard time finding your medical power of attorney, insurance papers, and accounts.
Grocery shopping takes a big bite out of most budgets. The average family of four spends nearly $6,000 a year at the supermarket. But you don’t have to. It’s easier to trim your grocery bill than to cut back on most other household expenses. Here’s how: