Financial Tips: Your 2¢ worth
Your 2¢ Worth is a web page by and for Fresno State faculty and staff. If you need some tips to deal with the pay reduction from furloughs or to help save for something - see if you can find something here.
If you have tips that you would like to add - email them to us at eawellness@csufresno.edu
BANKING AND MONEY MANAGEMENT
- Budget using the envelope system. When you are out of cash you are done!
- Once you pay off your car continue to make acar payment into your savings account and pay cash for the next car.
- Save using automatic deductions into a savings account.
- Shop around for the best rates on checking accounts, savings and CDs.
- Pay off highest rate credit cards first
- Use credit cards to earn air miles but only if you pay of the credit card each month
- Consider having "no spending" days and designate one or two times a week to do your shopping.
Related links:
- www.bankrate.com offers CD comparisons to get the best deal
- http://www.clearpointfinancialsolutions.org/ offers strategies to pay down debt
CONSIGNMENT & THRIFT SHOPS
Thrift Shops
- Discovery Shop
http://www.discoveryshop-fresno.org/
2004 W Bullard Ave
Fresno CA 93711
Bullard & West
559.446.1600
Hours: Mon-Fri-Sat 10am-5pm
Tues-Thurs 10am-6pm
Sun 11am-4pm
- Neighborhood Thrift Store
http://neighborhoodthrift.wordpress.com/
353 E Olive Ave
Fresno, CA 93728
Palm & Olive
559.498.0708
Hours: Tues-Sat 10am-5pm
- La Tienda Guild Thrift Store
708 E Olive Ave
Fresno, CA 93728-3353
Olive & Wishon
559.485.0951
- Goodwill Thrift Stores
3702 W. Shaw Avenue
Fresno, CA 93711-3230
559. 274.1512
map & directions
6437 N. Blackstone Avenue
Fresno, CA 93710-3508
559. 224.0162
map & directions
1025 Fulton Mall
Fresno, CA 93721-2501
559. 266.0532
map & directions
Consignment Stores
-
Repeat Performance
http://repeatperformance.us/
1429 N Van Ness Ave
Fresno, CA 93728-1938
Between Olive & McKinley
559.442.0129
Hours: Mon-Sat 10am-6pm
Sun 11am-4pm -
Orphan Annie
6735 N 1st St
Fresno, CA 93710-3948
First & Herndon
559.449.8707
Things for the Home
- Consignment Cottage
5043 N Palm Ave
Fresno, CA 93704-2232
Palm & Shaw
(559) 225-9718
EATING OUT & ENTERTAINMENT
- Recent videos are available at the library
- Shop for coupons and good deals at restaurants
- Sign up to get online coupons from your favorite restaurants
FOOD
- Cut down on snacks
- Use popcorn and bag it as a healthy snack
- Make large batches of cookie dough and freeze it in balls ready to bake
- Take ads to your grocery store to obtain price matching
- Take your cloth bags to the store to shop and earn $.05 per bag in some stores
- Fresh produce is less expensive than canned or frozen so shop at farmers’ markets
- For cooking at home, aim for $5 per meal
- Dollar stores often have good produce
HEALTH & HEALTH INSURANCE
- Use online programs to assist you in staying healthy
- Participate in healthy rewards programs. For example, Blue Shield Healthy Rewards offers $200 per year to each family member for participating, including children over the age of 18
- Take advantage of mail order pharmacies through your insurance company
Related links:
- www.csufresno.edu/eaw/selfcare/
- www.sparkpeople.com
- www.blueshieldca.com/hlr
- http://www.anthem.com/ca/home.html
- www.simplestepslife.com
- https://mydoctor.kaiserpermanente.org/ncal/healthcoach/
- www.medcohealth.com
- www.myprimemail.com
- www.healthfinder.gov
- www.webmd.com
- www.familydoctor.org
HOME REPAIRS AND MAINTENANCE
- Take advantage of free do-it-yourself clinics and on-line tips
Related links:
OTHER WAYS TO SAVE
- Use 20% less printer ink by changing fonts
Related links:
PET CARE
- Humane Society offers low-cost spaying and neutering and vaccinations
- Pet insurance might save you from some extremely high veterinary bills
Related links:
TRAVEL FOR LESS
- Take advantage of online deals
Related links:
UTILITIES
- Spend time at the library or the malls to save on your own energy bills
- Basic phone service can cost as little as $8 a month; talk to your vendor
- If you have medical equipment in your home such as a CPAP or oxygen, you will qualify for a medical discount
- Participate in energy company discounts and rebates
Related links:
- www.pge.com/myhome/customerservice/
financialassistance/medicalbaseline/ - www.pge.com/myhome/saveenergymoney/rebates/
WORK/PAY
- Check your deductions
- Maximize your pre-tax deductions: 1) Health Care Reimbursement Account (HCRA), 2) child care deduction
- Consider taking a part-time job
Related links:
