Top 10 Ideas for Saving Money in Stressful Times

10 Top Ideas To Reduce Your Expenses
When You Really Need To Do It

1

Refinance your house.

Mortgage rates remain at historic lows. If you haven't recently refinanced your home, see if it makes sense today.
2

Consolidate all your credit card debt.

Do you have more than one card with debt? Use this time to shop for cards with low APRs and make balance transfers that reduces your interest charges..
3

Call your cable company and threaten to cancel.

These companies don't want to lose your business. See what better offers they can provide you.
4

Ask for discounts from your mobile phone provider.

Just like cable companies, they run retention specials as well. Call your carrier on a break and see what savings they may offer.
5

Learn to meal prep for lunch.

Treat your quarantine schedule like you work at the office. Cook meals at night on certain days of the week that will serve as lunch for several days. This habit could cut your food bill substantially when we all go back to work.
6

Finally, program (or reset) your thermostat, or buy a new modern one.

Setting your temperature back by just 7-10 degrees for 8 hours a day can save you as much as 10% on your heating bill.
7

Test grocery delivery services.

Yes, delivery may take longer than usual during this time. However, ordering online saves a trip to the store. More importantly, online ordering avoids many of the impulse purchases the contribute to higher food bills.
8

Cancel unused/unnecessary online subscriptions.

Remember when you subscribed to the streaming service that you never use? The service hasn't forgotten to charge your credit card. Go back at least 6 months to find and cancel subscriptions with recurring charges that you don't need.
9

Plan out major expenditures.

Create a budget for major purchases, like computers, televisions, or kitchen appliances. By spreading out the purchases, you will avoid building up expensive credit card debt.
10

Set automatic savings transfers.

Most banks offer automatic, scheduled transfers between accounts. Once you make the changes to your lifestyle we describe above, set your bank to transfer the new found savings each month into a separate account.

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10 Top Ideas To Reduce Your Expenses
When You Really Need To Do It

Do you feel great about the amount of money you save each month for vacations or retirement? If not, perhaps you should consider using your personal quarantine as an opportunity to take charge of your personal finances. Reportedly, Shakespeare wrote King Lear while self-isolating himself from the plague. If he wrote that masterpiece, why can't we can use the time alone to shave a little off our monthly bills? Here's our list of good savings ideas to pursue to pass your time in lockdown.

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Important Disclosures

If you renew into a guarantee period of the same duration, the guaranteed interest rate may not be the same as the previous guarantee period. The company may change the guaranteed interest rate for future periods in its sole discretion. We will never offer a guaranteed interest rate less than the Minimum Guaranteed Interest Rate stated in your contract, which may range from 1% - 3%, depending on your state.

Annuity contracts may be subject to possible loss of principal and earnings, since a surrender charge and market value adjustment may apply to withdrawals or upon surrender of the contract.

Annuities are long-term investment vehicles. Annuities held within qualified plans do not provide any additional tax benefit. With certain exceptions, surrender charges apply to withdrawals taken during the initial guarantee period and a market value adjustment, which may increase or decrease the amount received upon withdrawal, may also apply at any time.

All or a portion of amounts withdrawn are subject to ordinary income tax, and if taken prior to age 59 1⁄2, a 10% IRS penalty may also apply. Nassau does not provide tax, financial or investment advice, or act as a fiduciary in the sale or service of the product. Consult a tax advisor or financial representative about your specific circumstances.

The information above is intended for use by the general public and is not individualized to address any specific investment objective. It is not intended as investment or financial advice. We encourage you to consult with an advisor who can tailor a financial plan to meet your needs.

Product features, options and availability may vary by state. Guarantees are based on the claims-paying ability of the issuing company.

Nassau Single Premium Deferred Fixed Annuities (18IFDAP, ICC18IFDAP/ICC18IFDANP, 18FADTCP and ICC18FADTCP) are issued by Nassau Life and Annuity Company (Hartford, CT). In New York, annuities (Form 17IMGA) are issued by Nassau Life Insurance Company (East Greenbush, NY). Nassau Life and Annuity Company is not authorized to conduct business in ME and NY, but that is subject to change. Nassau Life and Annuity Company and Nassau Life Insurance Company are subsidiaries of Nassau Financial Group. The insurers are separate entities and each is responsible only for its own financial condition and contractual obligations.

Insurance Products: NOT FDIC or NCUAA Insured, NO Bank or Credit Union Guarantee

02/23

How To Save Money During Stressful Times

Rebuild Your Retirement Nest Egg
With These 10 Top Tips

Have questions? Call us to discuss

10 Top Ideas To Reduce Your Expenses
When You Really Need To Do It

Refinance your house.

Consolidate all your credit card debt.

Call your cable company and threaten to cancel.

Ask for discounts from your mobile phone provider.

Learn to meal prep for lunch.

Finally, program (or reset) your thermostat, or buy a new modern one.

Test grocery delivery services.

Cancel unused/unnecessary online subscriptions.

Plan out major expenditures.

Set automatic savings transfers.

Great Service

Easy Process

Attractive Rates

10 Top Ideas To Reduce Your Expenses
When You Really Need To Do It

How To Save Money During Stressful Times

Rebuild Your Retirement Nest Egg With These 10 Top Tips

Have questions? Call us to discuss

10 Top Ideas To Reduce Your Expenses When You Really Need To Do It

Refinance your house.

Consolidate all your credit card debt.

Call your cable company and threaten to cancel.

Ask for discounts from your mobile phone provider.

Learn to meal prep for lunch.

Finally, program (or reset) your thermostat, or buy a new modern one.

Test grocery delivery services.

Cancel unused/unnecessary online subscriptions.

Plan out major expenditures.

Set automatic savings transfers.

Great Service

Easy Process

Attractive Rates

10 Top Ideas To Reduce Your Expenses When You Really Need To Do It

Rebuild Your Retirement Nest Egg
With These 10 Top Tips

10 Top Ideas To Reduce Your Expenses
When You Really Need To Do It

10 Top Ideas To Reduce Your Expenses
When You Really Need To Do It