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Are you taking advantage of offers for discounts or free merchandise? Many people are watching their spending these days, and your dollar will go a lot farther if you can get more for less money. The California Society of CPAs offers these tips on how to do it.
A surprising number of companies will send free samples or coupons just for the asking. You can contact most companies through their websites, or write to them using addresses on their packages.
Some store’s websites include current coupons, so look for your local market online and see what’s available. Also, check sites that offer free coupons or samples for a variety of products.
Note that some of these sites may ask you to “register” by providing an email address or other information. Keep this in mind if you don’t want to receive a string of email advertisements in the future.
You should never provide credit card or bank account information, Social Security number or other personal details to any online or email promotion unless you’re completely certain that you’re dealing with a legitimate offer. The Federal Trade Commission site provides details on common online scams.
Pharmaceutical companies often offer price reductions on a variety of medications for those who meet certain income limits or other criteria. Many of these programs are open only to those without prescription drug coverage. If you do have insurance, your insurer may have similar programs, so be sure to ask.
During the depths of the recession, some pharmacies began offering some medications for free. A few have extended these programs indefinitely. Be aware that taking medications without your doctor’s knowledge may be harmful.
Movies, concerts and sporting events have all become high-ticket items, but it’s still possible to expand your cultural horizons at little or no cost. Before spending $10 or more for movie entry, check local event listings for free concerts or performances in your area.
If you’re traveling, the cultural affairs offices in many cities provide information about free entry to museums or other cultural activities. Contact them or check their sites for more information.
If your credit or debit card features bonus points for purchases, make an effort to use them, especially if they expire. These points are a nice dividend.
If you’re tempted to open a credit card account based on their points program, be sure to read the fine print to find out how much they are costing you. In some cases, the cards with the most attractive points programs also feature high membership or interest cost. So determine in advance whether you think you’ll get your money’s worth.
If you have questions about any financial issues, be sure to ask your local CPA. He or she can provide you with the advice you need for smart decision-making.
Copyright 2012 American Institute of Certified Public Accountants.
The Money Management columns are a joint effort of the AICPA and the California Society of CPAs as part of the profession’s nationwide 360 Degrees of Financial Literacy program.
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