This is generally the time for annual policies to be renewed such as insurance.  Take a look at all of your bills now to look for savings.  Are you still paying separate insurnaces for your home and auto?  Look into combining them into one policy for a discount.  When was the last time you looked at your cable, phone and internet packages?  Call and find out if there are other packages available that may be lower.  Remember if you don’t ask, you’ll never know! 

Gwendolyn is a Certified Credit Union Financial Counselor with over 20 years credit union experience.  She is knowledgeable of various credit and financial subjects.  For credit and finance inquiries...