Debt reduction:

• With an IRA and 401k, you must now get rid of debt so you can retire early.
• Get rid of credit card debt. Small amounts can end up costing hundreds of dollars per year for each card you own.
• The best way to get debt-free is to have a household budget plan, economical living, and cash saving tips.
• Use credit counseling and debt management counseling to get debt-free. Most credit counselors are non-profit and funded by the creditors, so take everything they say with a grain of salt. Paid counselors are more honest.
• Refinance your mortgage can get you a lower interest-rate. Divide the fee of refinancing your existing mortgage by the amount you will save monthly on your mortgage deal. This is the savings if you refinance your mortgage now. Using an Adjustable Rate Mortgage can be appealing.

Cost saving tips:

• If you are nervous about gardening, you might want to pay the nursery to plant your garden for you. However, this is a waste of money. Be careful not to spend too much money on this frivolous decoration. Try to collect plants from around your neighbourhood. Use organic fertilizer. Steal your neighbours’ garbage, like ladders or steel grates. When you buy supplies, like seeds, buy them in small quantities. Take only what you need and you will end up saving money.
• Go through your items list and use the cheapest alternatives. For example, instead of buying ready-mix concrete you could buy all the materials needed to mix concrete. Or use lower-grade lumber to save money. Use precise quantities and exact services. Go right to the source and let the retail store bid on your list. Work with neighbours to reduce costs by buying supplies together. Try to find end of season discounts.
• Do not buy custom chairs as they can be expensive and may not match your décor. Get opinions before buying anything. Buy the extended warranty, in case something goes wrong with the furniture. If there is no guarantee, this is a sign that the product isn't very good and you should buy from somewhere else. Buy in bulk, because you might get a discount this way. Laytrad Bistro Furniture is a website where you can buy chairs.

Money transfer:

• Window shop around the e-loan lending and transfer agents before you pick the one that is right for you. The lowest-price dealer doesn't always provide the best service, so keep that in mind too.
• Some questions to ask: If the money is late, do I get compensated? What are my rights? What is the refund policy? What type of ID is accepted? How is the cash-transfer fee calculated? What's the exchange rate? How does the recipient get the money? How long will it take? Are there fees for using credit cards?
• Plan ahead. If you don't need the money transferred for several days, try to find a slower alternative. These usually cost less than instant transactions, up to 25% cheaper.
• Read the small print.