- Don’t pay Private Mortgage Insurance. Refinance into a mortgage and home equity loan to avoid paying PMI.
- When possible, don’t finance purchases (furniture, electronics, cars, etc.) If you must finance, look for an interest-free deal and then pay off the balance before the promotion ends. Or transfer the balance to a no-interest credit card.
- Pay on time to avoid late fees.
- Take advantage
of free promotions from banks. (Free vacations, Rubbermaid, electronics,