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TIPS TO SAVE ON SUBSCRIPTION EXPENSES

In today's digital age, subscriptions have become a common part of our lives. Streaming services, software subscriptions, and monthly memberships offer convenience and access to a wide range of products and services. But the costs can quickly add up, putting a strain on your budget. If you're looking for practical ways to save money on subscription expenses without compromising your favorite services, you've come to the right place. Here are some valuable tips to cut down on subscription costs and make smarter financial choices.

 

EVALUATE YOUR CURRENT SUBSCRIPTIONS

Take a closer look at each service you currently subscribe to and ask yourself if you're utilizing it to its full potential. Identify subscriptions that you rarely use or no longer need and consider canceling them. This will reduce your expenses and free up those funds for more important things.

 

NEGOTIATE OR SWITCH PLANS

Consider downgrading to a cheaper plan with fewer features or options that still meets your needs. Don't hesitate to negotiate with service providers to see if they can offer you a better deal. They may have promotional offers or discounts available that can save you money.

 

SHARE SUBSCRIPTIONS

Consider sharing subscription costs with friends or family members. If you have a streaming service or any other subscription that allows multiple users, splitting the bill among a group of people can significantly reduce your individual expenses. Be sure to set clear guidelines and expectations to avoid any conflicts.

 

UTILIZE FREE TRIALS & PROMOTIONS

Take advantage of free trials and promotional offers provided by subscription services. Many companies offer free trials ranging from a few days to a month, allowing you to test out their services before committing to a subscription. Make sure to mark the trial end dates on your calendar and cancel the subscription if you decide not to continue.

 

USE SUBSCRIPTION MANAGEMENT APPS

Consider using subscription management apps that keep track of your subscriptions, notify you of upcoming payments, and provide insights into your spending habits. These apps can be a great tool to help you stay organized, avoid unnecessary expenses, and identify areas where you can cut back.

 

BUNDLE SERVICES

Look for bundle options from companies that combine multiple services for a discounted price. For instance, you might find a package that includes internet, TV streaming, and home security services at a reduced rate compared to subscribing to each service separately.
 
By following these tips, you can effectively reduce your monthly subscription expenses without sacrificing the services you love. Being mindful of your subscription expenses is a valuable habit that can contribute to your overall financial well-being.  Please visit us at Lisle Savings Bank for more financial tips and resources. We are here to help! 
 

Hear what members of your community say about us

"When I decided to purchase my first home Lisle Savings Banks' first time home buyer program was exactly what I needed."

Nick C. Customer since 1995

"The support that Lisle Savings Bank provided us was unmatched. Not only were your rates and fees significantly better than the other two large companies I looked at, but you were also significantly less pushy and more patient with my questions."

Adam N. Customer since 2019

"The positive interaction I receive while working with LSB's employees, and their outstanding rates, will keep me a loyal customer for life."

Robert B. Customer since 2010
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Title Token Key Token Value
Loan to Value Ratio - 81-90% - 10 Year Rate {{LTV_8190_10year_rate}} 6.250
Loan to Value Ratio - 81-90% - 10 Year APR {{LTV_8190_10year_apr}} 6.439
Loan to Value Ratio - 81-90% - 10 Year Payment Example {{LTV_8190_10year_pmt}} 1,852.62
Loan to Value Ratio - 81-90% - 10 Year Points {{LTV_8190_10year_points}} 0
Loan to Value Ratio - 81-90% - 15 Year Rate {{LTV_8190_15year_rate}} 6.375
Loan to Value Ratio - 81-90% - 15 Year APR {{LTV_8190_15year_apr}} 6.511
Loan to Value Ratio - 81-90% - 15 Year Points {{LTV_8190_15year_points}} 0
Loan to Value Ratio - 81-90% - 15 Year Payment Example {{LTV_8190_15year_pmt}} 1,426.01
Loan to Value Ratio - 81-90% - 20 Year Rate {{LTV_8190_20year_rate}} 6.875
Loan to Value Ratio - 81-90% - 20 Year APR {{LTV_8190_20year_apr}} 6.991
Loan to Value Ratio - 81-90% - 20 Year Points {{LTV_8190_20year_points}} 0
Loan to Value Ratio - 81-90% - 20 Year Payment Example {{LTV_8190_20year_pmt}} 1,266.89
Loan to Value Ratio - 81-90% - 25 Year Rate {{LTV_8190_25year_rate}} 7.000
Loan to Value Ratio - 81-90% - 25 Year APR {{LTV_8190_25year_apr}} 7.102
Loan to Value Ratio - 81-90% - 25 Year Points {{LTV_8190_25year_points}} 0
Loan to Value Ratio - 81-90% - 25 Year Payment Example {{LTV_8190_25year_pmt}} 1,166.19
Loan to Value Ratio - 81-90% - 30 Year Rate {{LTV_8190_30year_rate}} 7.125
Loan to Value Ratio - 81-90% - 30 Year APR {{LTV_8190_30year_apr}} 7.218
Loan to Value Ratio - 81-90% - 30 Year Points {{LTV_8190_30year_points}} 0
Loan to Value Ratio - 81-90% - 30 Year Payment Example {{LTV_8190_30year_pmt}} 1,111.64
Loan to Value Ratio - 71-80% - 10 Year Rate {{LTV_7180_10year_rate}} 6.125
Loan to Value Ratio - 71-80% - 10 Year APR {{LTV_7180_10year_apr}} 6.400
Loan to Value Ratio - 71-80% - 10 Year Points {{LTV_7180_10year_points}} 0
Loan to Value Ratio - 71-80% - 10 Year Payment Example {{LTV_7180_10year_pmt}} 1,842.21
Loan to Value Ratio - 71-80% - 15 Year Rate {{LTV_7180_15year_rate}} 6.250
Loan to Value Ratio - 71-80% - 15 Year APR {{LTV_7180_15year_apr}} 6.447
Loan to Value Ratio - 71-80% - 15 Year Points {{LTV_7180_15year_points}} 0
Loan to Value Ratio - 71-80% - 15 Year Payment Example {{LTV_7180_15year_pmt}} 1,414.75
Loan to Value Ratio - 71-80% - 20 Year Rate {{LTV_7180_20year_rate}} 6.750
Loan to Value Ratio - 71-80% - 20 Year APR {{LTV_7180_20year_apr}} 6.916
Loan to Value Ratio - 71-80% - 20 Year Points {{LTV_7180_20year_points}} 0
Loan to Value Ratio - 71-80% - 20 Year Payment Example {{LTV_7180_20year_pmt}} 1,254.60
Loan to Value Ratio - 71-80% - 25 Year Rate {{LTV_7180_25year_rate}} 6.875
Loan to Value Ratio - 71-80% - 25 Year APR {{LTV_7180_25year_apr}} 7.019
Loan to Value Ratio - 71-80% - 25 Year Points {{LTV_7180_25year_points}} 0
Loan to Value Ratio - 71-80% - 25 Year Payment Example {{LTV_7180_25year_pmt}} 1,153.06
Loan to Value Ratio - 71-80% - 30 Year Rate {{LTV_7180_30year_rate}} 7.000
Loan to Value Ratio - 71-80% - 30 Year APR {{LTV_7180_30year_apr}} 7.131
Loan to Value Ratio - 71-80% - 30 Year Points {{LTV_7180_30year_points}} 0
Loan to Value Ratio - 71-80% - 30 Year Payment Example {{LTV_7180_30year_pmt}} 1,097.75
Loan to Value Ratio - 61-70% - 10 Year Rate {{LTV_6170_10year_rate}} 6.000
Loan to Value Ratio - 61-70% - 10 Year APR {{LTV_6170_10year_apr}} 6.272
Loan to Value Ratio - 61-70% - 10 Year Points {{LTV_6170_10year_points}} 0
Loan to Value Ratio - 61-70% - 10 Year Payment Value {{LTV_6170_10year_pmt}} 1,831.84
Loan to Value Ratio - 61-70% - 15 Year Rate {{LTV_6170_15year_rate}} 6.125
Loan to Value Ratio - 61-70% - 15 Year APR {{LTV_6170_15year_apr}} 6.320
Loan to Value Ratio - 61-70% - 15 Year Points {{LTV_6170_15year_points}} 0
Loan to Value Ratio - 61-70% - 15 Year Payment Example {{LTV_6170_15year_pmt}} 1,403.53
Loan to Value Ratio - 61-70% - 20 Year Rate {{LTV_6170_20year_rate}} 6.625
Loan to Value Ratio - 61-70% - 20 Year APR {{LTV_6170_20year_apr}} 6.789
Loan to Value Ratio - 61-70% - 20 Year Points {{LTV_6170_20year_points}} 0
Loan to Value Ratio - 61-70% - 20 Year Payment Example {{LTV_6170_20year_pmt}} 1,242.37
Loan to Value Ratio - 61-70% - 25 Year Rate {{LTV_6170_25year_rate}} 6.750
Loan to Value Ratio - 61-70% - 25 Year APR {{LTV_6170_25year_apr}} 6.892
Loan to Value Ratio - 61-70% - 25 Year Points {{LTV_6170_25year_points}} 0
Loan to Value Ratio - 61-70% - 25 Year Payment Example {{LTV_6170_25year_pmt}} 1,140.00
Loan to Value Ratio - 61-70% - 30 Year Rate {{LTV_6170_30year_rate}} 6.875
Loan to Value Ratio - 61-70% - 30 Year APR {{LTV_6170_30year_apr}} 7.003
Loan to Value Ratio - 61-70% - 30 Year Points {{LTV_6170_30year_points}} 0
Loan to Value Ratio - 61-70% - 30 Year Payment Example {{LTV_6170_30year_pmt}} 1,083.93
Loan to Value Ratio - 60% and Below - 10 Year Rate {{LTV_60_10year_rate}} 5.875
Loan to Value Ratio - 60% and Below - 10 Year APR {{LTV_60_10year_apr}} 6.144
Loan to Value Ratio - 60% and Below - 10 Year Points {{LTV_60_10year_points}} 0
Loan to Value Ratio - 60% and Below - 10 Year Payment Example {{LTV_60_10year_pmt}} 1,821.50
Loan to Value Ratio - 60% and Below - 15 Year Rate {{LTV_60_15year_rate}} 6.000
Loan to Value Ratio - 60% and Below - 15 Year APR {{LTV_60_15year_apr}} 6.192
Loan to Value Ratio - 60% and Below - 15 Year Points {{LTV_60_15year_points}} 0
Loan to Value Ratio - 60% and Below - 15 Year Payment Example {{LTV_60_15year_pmt}} 1,392.36
Loan to Value Ratio - 60% and Below - 20 Year Rate {{LTV_60_20year_rate}} 6.500
Loan to Value Ratio - 60% and Below - 20 Year APR {{LTV_60_20year_apr}} 6.661
Loan to Value Ratio - 60% and Below - 20 Year Points {{LTV_60_20year_points}} 0
Loan to Value Ratio - 60% and Below - 20 Year Payment Example {{LTV_60_20year_pmt}} 1,230.20
Loan to Value Ratio - 60% and Below - 25 Year Rate {{LTV_60_25year_rate}} 6.625
Loan to Value Ratio - 60% and Below - 25 Year APR {{LTV_60_25year_apr}} 6.765
Loan to Value Ratio - 60% and Below - 25 Year Points {{LTV_60_25year_points}} 0
Loan to Value Ratio - 60% and Below - 25 Year Payment Example {{LTV_60_25year_pmt}} 1,127.01
Loan to Value Ratio - 60% and Below - 30 Year Rate {{LTV_60_30year_rate}} 6.750
Loan to Value Ratio - 60% and Below - 30 Year APR {{LTV_60_30year_apr}} 6.877
Loan to Value Ratio - 60% and Below - 30 Year Points {{LTV_60_30year_points}} 0
Loan to Value Ratio - 60% and Below - 30 Year Payment Example {{LTV_60_30year_pmt}} 1,070.19
Refinance APR Fees {{Refinance_APR_Fees}} 1,134.25
Purchase APR Fees {{Purchase_APR_Fees}} 2,102.00
First Time Home Buyer APR Fees {{FTHB_APR_Fees}} 1,452
First Time Home Owner Refinance APR Fees {{FTHO_Fefi_APR_Fees}} 539.25
Odd Day Interest {{Odd_Day_Interest}} 1,595.00
Purchase Rate Adjustor {{Purchase_Rate_Adjustor}} 0
First Time Home Buyer Rate Adjustor {{FTHB_Rate_Adjustor}} 0
Refinance Rate Adjustor {{Refi_Rate_Adjustor}} .125
Interest Checking - Rate {{checking_interest_rate}} 0.05
Interest Checking - APY {{checking_interest_apy}} 0.05
Gold 50 Checking - Rate {{checking_gold50_rate}} 0.10
Gold 50 Checking - APY {{checking_gold50_apy}} 0.10
Premium Checking - Rate {{checking_premium_rate}} 0.15
Premium Checking - APY {{checking_premium_apy}} 0.15
Home Business Checking - Rate {{checking_home_business_rate}} 0.05
Home Business Checking - APY {{checking_home_business_apy}} 0.05
E - Savings - $0.01 to $49,999 - Rate {{savings_esavings_49999_rate}} 1.00
E Savings - $0.01 to $49,999 - APY {{savings_esavings_49999_apy}} 1.00
E Savings - $50,000 and Over - Rate {{savings_esavings_50000_rate}} 1.25
E Savings - $50,000 and Over - APY {{savings_esavings_50000_apy}} 1.25
Statement Savings - Rate {{savings_statement_rate}} 0.70
Statement Savings - APY {{savings_statement_apy}} 0.70
Small Savers - Rate {{savers_small_rate}} 0.70
Small Savers - APY {{savers_small_apy}} 0.70
IRA Statement Savings - Rate {{savings_ira_statement_rate}} 0.70
IRA Statement Savings - APY {{savings_ira_statement_apy}} 0.70
Insured Money Market $0.01 to $49,999 - Rate {{moneymarket_49999_rate}} 0.60
Insured Money Market $0.01 to $49,999 - APY {{moneymarket_49999_apy}} 0.60
Insured Money Market $50,000 - $99,999 - Rate {{moneymarket_99999_rate}} 0.70
Insured Money Market $50,000 - $99,999 - APY {{moneymarket_99999_apy}} 0.70
Insured Money Market $100,000 - $199,999 - Rate {{moneymarket_199999_rate}} 1.00
Insured Money Market $100,000 - $199,999 - APY {{moneymarket_199999_apy}} 1.00
Insured Money Market $200,000 and Over - Rate {{moneymarket_200000_rate}} 1.25
Insured Money Market $200,000 and Over - APY {{moneymarket_200000_apy}} 1.25
6 Month CD - Rate {{cd_6mo_rate}} 0.45
6 Month CD - APY {{cd_6mo_apy}} 0.45
9 Month CD - Rate {{cd_9mo_rate}} 0.50
9 Month CD - APY {{cd_9mo_apy}} 0.50
12 Month CD - Rate {{cd_12mo_rate}} 0.55
12 Month CD - APY {{cd_12mo_apy}} 0.55
18 Month CD - Rate {{cd_18mo_rate}} 0.60
18 Month CD - APY {{cd_18mo_apy}} 0.60
24 Month CD - Rate {{cd_24mo_rate}} 0.65
24 Month CD - APY {{cd_24mo_apy}} 0.65
30 Month CD - Rate {{cd_30mo_rate}} 0.70
30 Month CD - APY {{cd_30mo_apy}} 0.70
42 Month CD - Rate {{cd_42mo_rate}} 0.75
42 Month CD - APY {{cd_42mo_apy}} 0.75
180 Days Jumbo CD - Rate {{cd_jumbo_180days_rate}} 0.50
180 Days Jumbo CD - APY {{cd_jumbo_180days_apy}} 0.50
365 Days Jumbo CD - Rate {{cd_jumbo_365days_rate}} 0.60
365 Days Jumbo CD - APY {{cd_jumbo_365days_apy}} 0.60
9 Month CD Special - Rate {{cd_9mo_special_rate}} .50
9 Month CD Special - APY {{cd_9mo_special_apy}} .50
13 Month CD Special - Rate {{cd_23mo_special_rate}} 4.88
13 Month CD Special - APY {{cd_23mo_special_apy}} 5.00
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