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14 Best Ways to Save Money When You’re Unemployed

Over 26 million Americans have filed for unemployment and more people are expected to file for benefits as businesses remain shuttered due to the coronavirus pandemic.

As people wait for their federal stimulus checks and unemployment funds to arrive and companies to reopen, saving money remains a top priority.

Here are the 14 best ways to save money while you are unemployed.

1. Seek Deferments

Communicating with everyone you owe money to is an essential step if you have lost your job and have no source of income, said Bruce McClary, spokesperson for the National Foundation for Credit Counseling, a Washington, D.C.-based non-profit organization.

“Each interaction is an opportunity to ask for relief from monthly payments and help your financial resources go farther,” he said. “The more payments you are allowed to skip without penalty, the longer your money will last.»

Call creditors to explain your hardship and try to defer payments, even your mortgage, rent and utilities, said Jim Triggs, CEO of Money Management International, a non-profit debt counseling organization in Sugar Land, Texas.

2. Seek Out Local Resources.

There are many non-profit organizations that are providing help for utility payments or food. Your local food bank and public schools are likely providing food or meals. Global nonprofits such as World Central Kitchen are providing meals throughout the U.S. and working with local nonprofits.

3. Search for Sales and Deals

Check out the sales being offered by grocery stores and other retailers either through their weekly advertisement or online. 

“Clip coupons, find sales and make sure whatever you are able to buy that you’re getting the best deal on those items,” Triggs said.

4. Talk to Friends and Family Members

Discussing your financial situation can be difficult, but talk to your friends and family about helping each other out.

“Most everyone is in this bad situation by no fault of their own, your friends and family may be very happy to help out during this crisis,” he said.

5. Use Your Credit Card Rewards

Take advantage of credit card rewards you may have already stockpiled, said Ted Rossman, an analyst for CreditCards.com.

“Cash back can be really valuable, especially these days,” he said. 

Make sure you’re using the right cards for necessary purchases such as groceries – the American Express  (AXP)  Blue Cash Preferred gives 6% cash back at U.S. supermarkets and the Chase  (JPM)  Freedom is giving 5% cash back on groceries this quarter.

6. Ask for Lower Interest Rates

Call your credit card companies and other creditors about changing due dates, lowering interest rates and waiving other fees, Rossman said.

7. Make a List

Before you go shopping at the grocery store or at Target,  (TGT)  make a list. 

Shoppers who make a list of items they need to purchase are more likely to stick with their budget.

«Plan ahead to avoid any surprise expenses that could drain your savings or lead to unmanageable debt,» McClary said.

8. Give Gifts of Service

Provide gifts of services like babysitting or dog sitting instead of buying someone a gift, even a small one for someone’s birthday or other celebrations. Print out photos from your phone of you and your loved ones. This is still a very “thoughtful gift” because it shows that you care, Triggs said.

9. Reduce Energy Costs

Lower your energy costs by searching for cheaper rates online for electricity if you live in a deregulated city. Determine if a utility company offers any incentives such as when power is used during off-peak hours.

Replace your current light bulbs with LEDs since they are more efficient and last longer. Lighting consists of a large portion of power usage for some households.

10. Use Round-Up Savings

Apps from banks and other financial institutions such as Bank of America  (BAC) , Acorns, Chime, Digit and Qapital round up your purchases to the next dollar and deposit it in a savings or investment account. Some of the apps are free while others charge a nominal monthly fee. 

If you’re still driving frequently, here are some ways to save money on gasoline:

11. Use Cash for Gas

Some gas stations offer a discount if cash is used instead of a credit card. The discount is usually only a few pennies per gallon, but the savings add up.

12. Avoid Stations Near the Freeway

Gas stations along the freeway or major roadways are easy to spot and convenient, but prices are often higher. 

13. Fill Up at Warehouse Stores

Shop and get gasoline at warehouse stores such as Costco  (COST)  or Sam’s Club because they give discounts to their members. 

14. Check the Tire Pressure

Check your tire pressure every month because when tires are underinflated, cars use more fuel.

Origen: 14 Best Ways to Save Money When You’re Unemployed

 

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❤️ You Can Place It Anywhere on the Car 😎


Powerful Magnetic Mount – With 6 built-in strong N50 magnets, this holder holds your phone firmly through every bump on the road, giving you a smooth and safe ride.

Origen: ❤️ You Can Place It Anywhere on the Car 😎

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LutiKey Tracker – Bluetooth Tracking Device

LutiKey Tracker – Bluetooth Tracking Device LutiKey, A STEP FORWARD. Finally a tracker, designed with the thought of not only helping you find your valuable objects, but in you and your needs.

WHAT MAKES US DIFFERENT?
All of us have valuable objects that we want to protect, but we believe that our own wellbeing and those of our loved ones, are even more important, and that’s why we made LutiKey. A Tracker Device that finally places importance on what really matters.

KEY BENEFITS

ONE TOUCH TO RING.
When pressing the option ‘Find My LutiKey’ on the mobile app, it will start to emit a sound that will help you find the object or person you’re looking for easier.

FIND YOUR PHONE.
By pressing the button on the LutiKey, the phone that is linked with the device will start to emit a sound that will help find your phone and can be heard even if the phone is on silent mode.

SEPARATION ALERT.p
If your LutiKey and phone linked to the account are not within reach of each other, your phone will emit a sound and visual alert, letting you know that you’ve forgotten your LutiKey.

SHARE.
You’ll be able to share your LutiKey information with family and friends. Informing them in times of need or when recovering a valuable object that has LutiKey attached to it.

LAST LOCATION.
Lutikey always registers your items last location on a map that can be easily accessed through the app.

HISTORY TRACKING.
The locations from the last 30 days of your LutiKey will be saved, this comes handy in case of an emergency or if lost by showing the path of where it was detected.

I’M OK.
Quickly notify the people to whom you’ve shared your LutiKey with, that you are safe and send them your current location.

NOTIFICATION OF ARRIVAL.
You’ll be able to store locations that are visited frequently and the people you have chosen to share your LutiKey with, will receive a notification letting them know you have arrived at your stored destination.

WHO’S THE OWNER?
If you’ve misplaced your belonging that has a LutiKey on it, the person that finds it can access your contact information and return it promptly.

HELP.
By pressing the button on your LutiKey for 4 seconds, it’ll place you in direct contact with emergency services to send help in case of an emergency or assist until help arrives. Also, will notify the people to whom you’ve shared your LutiKey with that you need help.

CREATE GROUPS.
Conveniently keep tack of travel groups or your family by creating a group on the LutiKey app. This way, at any time, you are able to view the location and information of each Lutikey in one place.

MEDICAL ID.
LutiKey comes with a Medical ID which you can activate to add your medical information. Allowing for quick access when medical assistance is required.

LUTIKEY COMMUNITY.
Don’t fret if an item is lost! With the aid of the Lutikey community, users can help each other find their items. If a user is within range of your lost item, the LutiKey app detects it’s location and uploads it so that you can recover your item as fast as possible.
LutiKey Mobile App.

* Available for iPhone and Android phones.

SPECIFICATIONS:

LutiKey was not only well-designed as a sleek and stylish product, but also designed with materials that are resistant for daily use. Designed with materials such as PC (Polycarbonates) and Silicone, ensuring resistance for active individuals.

– Weight: 9g
– Size: 29mm x 51mm x 5.5mm
– Color: Black and Grey
– Sound: Loud Alarm 88dB (decibel)
– Range: 230ft / 70m on open air (depending on conditions, obstacles may affect the range)
– Battery Life: 1 Year Guaranteed
– Battery Type: Replaceable coin-cell (CR2032)
– Keyring and chain hole: Yes
– Technology: Bluetooth LE
– Waterproof: Yes – IP67
– Compatibility: iOS 9 or newer and Android 6.0 or newer
– Certifications: FCC, CE, RoHS

FAQs:

Is LutiKey compatible with iPhone and Android?
Yes, Lutikey is compatible with any iPhone with iOs and Android.

What languages does the LutiKey app Support?
The LutiKey app is supported in the following languages:
English, Spanish, Portuguese, Chinese, Dutch, French, German, Italian, Japanese, Korean and Russian

Is LutiKey waterproof?
Yes. Lutikey is waterproof IP67.

How long does Lutikey’s battery last?
The Lutikey’s battery is guaranteed to last one full year.

Is it possible to replace the LutiKey battery?
Yes, the LutiKey battery is replaceable.

How many LutiKeys can be managed by one device?
One Lutikey app can manage unlimited Lutikey devices at the same time.

Is my information maintained privately?
Your information will be kept completely safe and anonymous and will always be protected. LutiKey does not share your information with anyone at any time. The only time someone can see your information is if you share your LutiKey with that person.

Could I transfer a used LutiKey to another person?
Yes. First, remove the Lutikey from your App while it is connected. Once the Lutikey App notices that it is no longer connected with your previous device, it may be transferred.

How Does LutiKey Work?
Lutikey works through Bluetooth connection. The location is reported to the phone through this connection. Once the connection is determined both the phone and the device will give a lost alert signal. Bluetooth has a high frequency band, which effectiveness for communication maybe limited by the environment. Multiple walls, solid objects, and other interferences may decrease the effectiveness of the Bluetooth signal. We have maximized the Lutikey range for personal item tracking within normal distance.

What is the LutiKey community?
Once you have reported that your Lutikey is lost, the information will be distributed to the Lutikey cloud service. This information will then be passed safely to all connected devices that have joined the community. When another device in the community has detected the signal of the lost Lutikey, this information will be reported back to the cloud service and in turn to you.

Do I have to own a LutiKey device to belong to the LutiKey Community?
Lutikey welcomes everyone whether they own a LutiKey device or not. The Lutikey App is free to download and by doing so, you’ll be joining a growing community that will always help find your lost items. All you need to do is download the app and create an account and you’ll also be able to help others find their lost items too.

Does LutiKey requires a paid subscription?
Absolutely not! Even though we recommend everyone to take full advantage of all the functionalities that are offered on our Plus and Premium subscriptions, when you connect your LutiKey with your phone, you’ll have full access to all functions that the LutiKey App has to offer on its basic plan, including our growing community.

Add to Cart Now…Order and Buy Today!

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Origen: LutiKey Tracker – Bluetooth Tracking Device