This post comes from Nora Dunn at partner blog Wise Bread.
There are a number of ways to stretch your dollars simply by rearranging your finances. Here are 11 tips to help you find some extra money.
Change your withholding tax. If you typically receive a tax refund each year, ask your employer to reduce the amount of tax withheld from your paychecks. I know, I know. You like getting those fat checks at tax time each year. But in reality it's an interest-free loan to the government. Your money is much better in your own pocket, thank you very much.
Reduce interest rates on your debt. As cited in a previous article, if you ask for a discount by calling your credit card company, you often will receive one.
This also applies to other loans. If you happen to be drowning in your finances, you can call creditors and explain your situation, and they can make concessions for you. If the agent you are talking to can't do it, politely ask for the manager, who has more clout for granting rate discounts.
Refinance your car loan. If your car is less than five years old, and you got your loan through a dealer, you may be able to do better. A Web site like Bankrate.com can help you find the best loan rates in your area, and Kelley Blue Book will give you a dollar value for your car.
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