Better yet, going green can save you money!  If you didn’t know already, there are certain actions you can take to help your planet while putting money in your pocket.  Want to see how you can save a few bucks?  Continue reading below!

Reuse - Simply reusing things like paper, water bottles, plates, etc will help you save money and help the environment at the same time.  That is less you have to buy, which means more money saved, and you can help the environment.  Take a look at what you buy in the stores, and see if you can reuse any of the things you’re buying.

Recycle – It is important to recycle, we’ve known that ever since we’re little.  Simply recycling paper, pop cans, the newspaper, plastic containers, etc will help the environment tremendously.  Also, many places are even paying you to recycle, so be sure to look into that!

Rethink – Rethinking things can also help you make better choices.  If you’re going somewhere, ride with a friend, ride a bike instead of driving, think of a way you can help the planet while saving money.  Things like gas money, and pollution can easily be saved.

Re-due – If you can, save money on your utilities!  Things like getting a programmable thermostat, and washing your clothes in cold water will save energy, and will help keep the pennies in your pocket!

There are several ways you can help save the environment and make money at the same time!  Sometimes it takes creativity but most importantly it takes dedication, and all the effort you can give.  Think of all the great things you’re doing, and how much money you can really save!

Coupons – First of all, you should always use coupons for everything you can.  Use them at restaurants, stores, at the grocery store, online etc.  These can save you hundreds of dollars each month!  People tend to really underestimate the benefit of coupons.

Groceries – We hate to go grocery shopping just because we don’t look forward to that big bill at the end.  Although there are ways to save money on your groceries!  You can use coupons, check out grocerygame.com, only shop once a week, and only buy items that are on sale!

Utilities – Try to cut back on your utilities.  Simple things like not leaving a light on, getting a programmable thermostat, and using cold water when you wash your clothes can help you save a lot of money! 

Gas – Another thing we hate putting money towards is our gas for the car.  If you can, try to carpool, drive less, and do all your errands in day/drive.

Payments – If you’re struggling with certain payments like your car maybe it is time to downgrade just a little bit.  If you have a car that is top of the line, and it costs too much money per month, sell it!  Get a car that is affordable and one that won’t break you.  This goes for anything really from your house, to car, to your cell phone even.

We all love to save money, and pay as little as we can.  If you’re serious about saving money from here on out, be sure to consider these tips above.  If you save a little bit on everything, it will add up to a whole lot of savings!

Below is a list of things that can’t be garnished –

• Your social security benefits
• Veterans benefits
• Service members pay
• Military annuities
• Student assistance
• Disability benefits
• Compensation of injury, or death
• Federal emergency money

These are just a few things that many collection agencies can’t tap into.  To get a full list, make sure you check out this FTC website to get more information on debt laws, and what they can, and can’t garnish.

If you do find that you’re going to get your wages garnished, and it’s through your employer, there’s generally nothing that you can do about it.  This is the last resort that many companies are going to take when it comes down to getting money from you.  You have to think of it this way, in that you owe them money, and it’s unfair to them if you’re making it, and you’re not giving it to them.

No matter how much you make, and how much you try to hide, they are always going to find out about it, and they are going to get it one way or another.  This is why it’s always important to pay off your debts, so that you don’t even need to worry about it.

Debt collectors have time limits:  A debt collector can’t call you at three in the morning demanding money.  The FTC will only allow them to call from 8 AM to 9 PM.  The only way that they can call you before, or after these hours is if you agree to it.  The FTC also prohibits them from calling you at inconvenient times if they know about it.  For example, if you were attending a funeral, and they kept calling your cell phone.

Contacting other people about you:  Yes, debt collectors are able to call family members, and friends, but they are only allow to do it once.  They can ask for an address, phone number, or alternative way of contacting you.  If you’re being represented by a debt attorney, they may only contact that person, and that is it.

You must get validation:  Every bill collector must sent you a validation after the first time they call you.  This particular piece of paper will tell you what you owe, who’s calling you, and how you can contact them.  This will allow you to confirm that you truly do owe that money.

What can’t they do at all? There are many things that a debt collector can’t do, no matter what.  For example, they can’t threaten you, use profane language, annoy you constantly throughout the day, make false representations, and misrepresent the money you owe.

If you find that the debt collectors are breaking these rules, you will want to contact the FTC immediately to report this company.  Every company must play by the rules.

With reports of people borrowing $100,000 overnight, is it really legit?  I would have to say, “not really”.  Instead of falling for these scams, you have to know where to turn in order to get instant online loans, and I will direct you to a few of these sources.

Try the Credit Guide: The credit guide will tell you exactly how you can borrow money overnight fast, and easy.  While I haven’t read the book in it’s entirety, I’ve heard some good things about it.  Yes, it’s going to cost you a few bucks to grab this book, but if you do, it will give you some valuable tips that you can use.

Try Team Quick Cash: Team Quick Cash has one of the best reputation online, when it comes to quick and easy loans.  They make the process very easy, and you can get up to a $1,000 loan.  Now, before you apply, make sure that you read the fine print before you sign the dotted line.  Places like Team Quick Cash will provide your info to a lender, and they will match you up with the best place to get money.

With most loan places, you’re going to realize that you’re not going to get a loan right away.  Rather than being impatient, try out some of the tips above, and see if you can get the loan you want at a reasonable rate.