Tips for Saving Money Modesto CA

With costs rising everywhere, consumers have begun to search for ways to beat the system and save money in Modesto. It takes some work, but there are ways that you can save on your everyday bills. Here are some suggestions.

Steven B. Pinedo, CFP®
(209) 579-9992
3340 Tully Rd Ste B5
Modesto, CA
Firm
Abdallah & Pinedo Financial

Data Provided by:
Ms. Terri Amerio-Bell, CFP®
(209) 572-1040
PO Box 5302
Modesto, CA
Areas of Specialization
Estate Planning, General Financial Planning, Small Business Planning, Tax Planning, Tax Preparation, Young Professionals
Key Considerations
Average Net Worth: Not Applicable

Average Income: Not Applicable

Profession: Not Applicable

Data Provided by:
Mr. Gregory A. Crosby, CFP®
(209) 576-8000
1101 Sylvan Ave
Modesto, CA
Firm
Crosby, Trevino & Associates, Inc.

Data Provided by:
Mr. David O Hamer, CFP®
(209) 576-3207
1020 10th St. #200
Modesto, CA
Firm
Morgan Stanley Smith Barney
Areas of Specialization
Asset Allocation, Charitable Giving, Comprehensive Financial Planning, Debt Management, Divorce Issues, Education Planning, Employee and Employer Plan Benefits

Data Provided by:
Mr. Thomas Lyle Bryant, CFP®
(209) 577-5704
121 Rue De Yoe
Modesto, CA
Firm
TICG
Areas of Specialization
Asset Allocation, Charitable Giving, Comprehensive Financial Planning, Education Planning, Elder Care, Employee and Employer Plan Benefits, Estate Planning
Key Considerations
Average Net Worth: $500,001 - $1,000,000

Average Income: $100,001 - $250,000

Profession: Self-Employed Business Owners

Data Provided by:
Mr. Tony D. Trevino, CFP®
(209) 576-8000
1101 Sylvan Ave Ste B2
Modesto, CA
Firm
FSC Securities Corporation

Data Provided by:
Jeffrey S Burrow, CFP®
(209) 579-5900
1101 Sylvan Ave
Modesto, CA
Firm
Valley Wealth, Inc.
Areas of Specialization
Asset Allocation, Estate Planning, Investment Planning, Retirement Income Management, Retirement Planning, Securities, Wealth Management
Key Considerations
Average Net Worth: $500,001 - $1,000,000

Average Income: $100,001 - $250,000

Profession: Self-Employed Business Owners

Data Provided by:
Mr. Samuel E. Dameron, CFP®
(209) 576-6790
1419 K ST
Modesto, CA
Firm
Financial Advisers of America, LLC
Areas of Specialization
Investment Planning
Key Considerations
Average Net Worth: $500,001 - $1,000,000

Average Income: $100,001 - $250,000

Profession: Self-Employed Business Owners

Data Provided by:
Mr. Terry D. Swehla, CFP®
(209) 530-1515
909 15th St
Modesto, CA
Firm
United Capital Private Wealth Counseling
Areas of Specialization
Asset Allocation, Business Succession Planning, Charitable Giving, Comprehensive Financial Planning, Elder Care, Estate Planning, Healthcare Planning
Key Considerations
Average Net Worth: $1,000,001 - $5,000,000

Average Income: $100,001 - $250,000

Profession: Not Applicable

Data Provided by:
Mr. John Robert Sturgis, CFP®
(209) 549-8511
1419 J St
Modesto, CA
Firm
Valley First Financial Services

Data Provided by:
Data Provided by:

Tips for Saving Money

Do you ever feel like there’s some sort of conspiracy among corporations to deprive you of as much of your hard-earned money as possible? That’s not too far from the truth. Banks, stores, service providers and utility companies are all in it to make money. Some are more aggressive than others in the pursuit of the almighty dollar, but they all need to turn a profit to survive.

With costs rising everywhere, consumers have begun to search for ways to beat the system and save money. It takes some work, but there are ways that you can save on your everyday bills. Here are some suggestions.

  • When it comes to banking, it pays to shop around. Some banks charge all sorts of fees just to maintain a checking account, while others have free options. Check with your bank to make sure you’re getting the best deal they have. If that’s not good enough, look elsewhere. Some banks will even pay you to switch!
  • Look at all of your communications options. Many households have a land line and multiple cell phones. Could you do without your landline? If you truly need a home phone, consider dropping your long distance service. Many cellular service providers include free long distance in their packages. Calling cards may also be a cheaper option depending on your calling habits.

  • Consider bundling services. Companies often offer packages that include phone service, cable and high-speed internet at lower prices than if you purchased them separately.

  • When it comes to electricity, the best thing to do is conserve, conserve, conserve. Switching to a cheaper electric company isn’t an option, so it’s important to find ways to use as little juice as possible. Turn off lights and televisions when leaving the room, unplug TVs, DVD players and other electronics that use power even when turned off, hang clothes out to dry when possible, and purchase energy-efficient appliances. These easy changes can make a noticeable difference in your bill each month.
  • Make a habit of getting auto insurance quotes once a year. Changes in the way an insurance company calculates its rates, or changes in your driving record, could make a difference in the rate you would be charged. It’s also wise to get quotes on homeowner’s and other types of insurance on a regular basis.

  • Keep a close eye on your credit cards. Even if you had a great interest rate to start with, you might be paying more now. Late payments (either on your credit card or other bills) can trigger rate increases, and until new legislation goes into effect preventing it, card issuers may raise your rate for no reason whatsoever. So pay attention to any notices you receive, and confirm your interest rate every now and then. If you find that you’re paying too much, look for a new card with a lower rate.

  • When looking for ways to save money, we often overlook everyday expenses. But by examining them closely, you can almost always find a way to save at least a few dollars each month. And those few dollars can add up to hundreds in a year’s time.

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