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Success Online Financial Education Newsletter
Money Management International Improving Lives Through Financial Education
SUCCESS NewsletterApril 11 2013 newsletter
Six painless ways to save money right now! 

Six painfree ways to save money

By Jesse Campbell, Copywriter

Some people have boundless energy for the pursuit of savings. It’s a passion (or obsession, depending on your point of view). They can’t stop thinking about ways to save money. The prospect of a good deal gives them the strength of Superman, the detective skills of Batman and the single-minded, robotic determination of The Terminator.

But that’s other people.

You and me? We haven’t got time for that! (Okay, in fairness, I do have time for that. I just don’t want to.)

Personally, I think the big, sweeping, money-saving life changes are great and all, but the easy ones that hardly require me to do anything are the tops. Without question.

So, with that in mind, let’s look at six incredibly easy, hardly-have-to-do-anything-at-all ways to save you money immediately. Like, today. Right after you’re done reading this.

Ready? Here we go.

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Learn how to understand your credit report
Understanding credit webinar

Financial Literacy Month is a great time to learn more about credit and how it affects you!

MMI regularly offers free, educational webinars on a variety of financial topics.  Our next webinar is scheduled for April 16th and covers Register today!  

I love Financial Literacy Month

Learn how to obtain a free copy of your credit report, what the report is used for, how to check for errors, how to dispute inaccurate information, how to protect against identity theft and more  Register today!

Break up with Debt

In many ways, the hardest part about breaking up with debt is simply making the choice to put yourself on the path to financial freedom. Once you’ve done that – once you’ve decided that enough is enough and you really can’t take it anymore – then it’s just a matter of finding your plan, sticking to it and letting the momentum build.

Before you can really create a plan of attack, however, you have to understand what you’re trying to fix, because the effects of debt rarely limit themselves to your savings account.

Typically, debt impacts you in four ways: your credit report, your goals, your personal relationships and your self-image.

Understanding these impacts and how to address them is key to your ability to make an effective plan, so let's explore the types of damage caused by debt and how to repair them.

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Financial Education learn more


Sharpen Your Financial Skills with Online Courses

The goal of our highly trained professionals is to arm you with the knowledge necessary to take control of your financial situation. Our online seminars stress the development of skills that can assure long-term success. Take the first step toward financial wellness by enrolling in a Web seminar today!

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In-Person Workshops Are Also Available In The Following Areas:

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About Money Management International

Money Management International (MMI) is a nonprofit, full-service credit counseling agency, providing confidential financial guidance, financial education, counseling, and debt management assistance to consumers since 1958. MMI helps consumers trim their expenses, develop a spending plan, and repay debts. Counseling is available by appointment in branch offices and 24 hours a day, 7 days a week by telephone and Internet. Services are available in English or Spanish. To learn more, call
866.530.9869 or visit



How to save on wedding expenses - for the guest

When it comes to weddings, you frequently hear how expensive it can be to have one, but no one ever discusses how much it costs to attend one.

Depending on your cultural background and your connection to the bride and groom, a single wedding can require multiple gifts before everything is said and done (engagement gift, bridal shower gift, wedding gift, etc.). On top of that, there's travel expenses (bachelorette/bachelor parties, wedding showers, receptions, and on and on) as well as the various costs associated with trying to look presentable (new outfits, hair cuts, makeup, manicures, etc.).

When you add up all the expenses, it comes out to…a whole lot!  With wedding season upon us, how are you going to make it through the coming months without leaving your budget at the altar? Below are a few tips on how to save this wedding season, so you can be richer, not poorer.

  • Purchase online vs. in-store. Many retailers offer free shipping and gift wrap services, so you can save on gas, gift wrapping, and possibly shipping costs if you live in a different city. If you’re shopping online, remember to scour the Web for promotion codes before buying.
  • Regift. There isn’t a rule that says you have to stick to a couple’s registry. If you have gift that follows the regifting rules, regift away. If you’re married, be sure the couple didn’t give you the gift!
  • Make something.  If you're crafty a homemade gift is a great way to celebrate the occasion and save yourself some money.  Let someone else get them that crock pot they'll never use!
  • Go in on a group gift. When you split the cost of a gift, you can still give something nice without breaking your budget. Remember that group gifts don’t only apply to weddings and can be given for any event/holiday.
  • Split travel expenses. Gifts aren’t the only expense you can share with someone. If the wedding requires travel, why not split hotel and transportation costs with a friend as well? And if you're flying solo, no worries - we've got a few other ideas that might help you keep your costs down.
  • Plan ahead. Flights, hotels, and transportation are most often less expensive if you book far in advance. Also, if you purchase a gift too close to the wedding date, you’ll have limited choices in the registry, so purchase gifts as early as possible.

Above all, always work with what’s in your budget regardless of how close you are to the couple or what “rules” you’ve heard elsewhere. The bride and groom will be happy to share their special day with you and/or receive any gift, big or small!

MMI Debt Management Plan Client Corner
Tips for Success

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