There are key ways to save on items in your life. If you cut down on the numerous assaults on your pocketbook you will be in good shape. Here are three things that you can stop buying that will make a big dent in savings.
The pitch: Pay a monthly fee — often tied to the amount of your outstanding balance — and the credit card company will make payments for you if you lose your job, become sick or disabled.
The truth: This “protection” can cost a few hundred bucks a year, and there are often so many restrictions and caveats on coverage that you won’t see a dime. Even if your claim is accepted, the insurance only pays the monthly minimum for a period of months.
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