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simplifying life is something we all can benefit from. Here are some easy, effective tips for paring down the extra baggage in your life, and saving some money along the way. Trim Your CoMMuniCation Costs You've never had it so good when it comes to keeping yourself reachable. With your cell phone, landline, and broadband Internet access, you're never far from anyone you want to reach (or anyone who wants to reach you). Unfortunately, you're probably paying a lot more than you realize for all those communication options. Contact your primary provider to see what bundled plans are available in your area. You may be surprised at how much you can save by giving all of your communications business to one company. In addition to saving you money, dealing with one supplier will greatly simplify your bill-paying procedures. If you are already dealing with only one communications company, give them a call and ask for an analysis of your account. Companies are constantly coming up with new bundling plans— and one of them might save you a bundle. But don't expect them to come looking for you; you'll have to ask. Give Your aCCountant a PaY Cut Sure, you hate all that paperwork and record keeping that has become part of your life. Don't we all? Nevertheless, if you fi nd yourself scrambling to fi nd receipts and other records for your accountant at tax time every year, you're probably costing yourself some real money. Chances are that your business records are well organized, but that may not be true for your personal tax records. Certified Public Accountant Tom Normoyle of Huntingdon Valley, Pennsylvania, says that even the simplest of systems, one fi le for income and one for deductible expenses, can be a money saver. "When clients present me with a shoe box full of unsorted papers, I have to charge them for the hours it takes to make sense of them," Normoyle says. "A simple fi ling system that separates records of different types is one sure way to reduce my fee." Save MoneY while PaYing bills No one enjoys paying bills. That's why we sometimes postpone that unwelcome job to the point of risking late payment fees and blemishes on our credit reports. Paying bills may never be fun, but new technology has made the task quicker, easier, and less costly. Nearly all banks are online these days, and most offer free (or almost free) online bill paying. Once you sign up and choose a password, you log in to the bank's website where you enter the payee's name and address, phone number, and the amount to be paid. The bank takes over from there, either by mailing a check to the payee or by making an electronic transfer of the money. You need only enter the name and address of a payee once. Each entry is saved so that the next time you need to make a payment, you simply choose the payee and enter the amount. You save precious time, the costs of postage and buying checks, and trips to the post office. What are you waiting for? www.abmp.com. See what benefits await you. 83