Michael Timmermann has been helping people save money for more than a decade. He writes about budgeting, streaming TV services and cell phone plans for Clark.com. Prior to joining Team Clark in 2014, Michael produced Clark Howard's popular segments for CNN's sister network, HLN. After paying off his mortgage in two years, Michael started MichaelSaves.com, a website where he shares practical ways to lower your monthly bills and meet your own financial goals.
View More Articles

More posts by Michael Timmermann

How ordering Domino’s every day actually saved a man’s life
How ordering Domino’s every day actually saved a man’s life Life May 11, 2016
A Domino’s driver in Salem, Oregon, helped save the life of a regular customer whose delivery orders mysteriously stopped one…
How to remove a bumper sticker without damaging your car
How to remove a bumper sticker without damaging your car Cars May 10, 2016
As the field of 2016 presidential candidates whittles down, some people might be re-thinking the political bumper stickers on their…
Servers leave nasty messages about customers on check
Servers leave nasty messages about customers on check Food & Restaurants May 10, 2016
Diners ata Chinese restaurant in Arlington, Virginia, got quite an unpleasantsurprise when it came time to pay the bill --and…
9 things to ask before selling your home
9 things to ask before selling your home Homes & Real Estate February 16, 2016
Just the other day I got an ad in the mail from a real estate agent. The bold print screamed'PRICES…
6 tips for lowering your bills yourself over the phone
6 tips for lowering your bills yourself over the phone Money & Credit February 11, 2016
Haggling is something most of us dread, but it can save you hundreds of dollars a year on monthly expenses…
Tipping for the holidays: Who and how much?
Tipping for the holidays: Who and how much? Shopping & Retail December 15, 2015
Do you consider yourself a good tipper? Most of us would like to think that we are, but it's easy…
6 Steps To Pay Off Your Mortgage Early
6 Steps To Pay Off Your Mortgage Early Homes & Real Estate June 1, 2015
Should you pay off your mortgage early? It's a question personal finance experts have been debating for years. Some say…
Would You Give Up 6 Figures To Make $10/Hour Scooping Ice Cream?!
Would You Give Up 6 Figures To Make $10/Hour Scooping Ice Cream?! May 4, 2015
Could you give up a $95,000 a year job to make $10 an hour scooping ice cream? It's a question…
10 things to know before buying a home
10 things to know before buying a home Homes & Real Estate April 16, 2015
If you've read my previous articles on clark.com, you know that I paid off my $86,000 mortgage in 2 years.…
How Often Do You Tip Your Starbucks Barista?
How Often Do You Tip Your Starbucks Barista? Shopping & Retail April 16, 2015
Starting March 19th, customers havebeen able to leave tips directly through the Starbucks app on their iPhone. Think of it…
Inside the Timeshare Sales Pitch
Inside the Timeshare Sales Pitch Travel April 16, 2015
I recently had the opportunity to use a family member’s timeshare package to take a vacation. Moments after arriving at…
How much is your coffee habit costing you?
How much is your coffee habit costing you? Shopping & Retail March 5, 2015
Americans love their coffee. According to the National Coffee Association, 83 percent of us are coffee drinkers. But how much…
Want to make extra money? Choose your side hustle carefully
Want to make extra money? Choose your side hustle carefully Jobs August 28, 2014
As I worked to pay off my $86,000 mortgage in 2 years, I tried just about everything I could think…
3 Apps To Earn Cash Back On Groceries
3 Apps To Earn Cash Back On Groceries Deals & Savings June 26, 2014
It seems like every week we hear about food prices going up again.  First, beef prices. Then, it was milk…
5 Must-Try Spring Wines Under $15
5 Must-Try Spring Wines Under $15 Shopping & Retail April 23, 2014
Step one foot into any wine shop and the selection can be overwhelming.Hundreds or maybe even thousands of bottles surround…
Can you afford to adopt a pet?
Can you afford to adopt a pet? Life March 13, 2014
For millions of Americans, pets are just like family. The Bureau of Labor Statistics reports we spend $61 billion a…
7 Protein-Packed Foods Cheaper than Beef
7 Protein-Packed Foods Cheaper than Beef Deals & Savings February 24, 2014
The price of meat is sending shoppers into sticker shock. Beef prices are expected to rise 3 to 4 percent…
Etiquette Expert Reveals The New Normal For Tipping
Etiquette Expert Reveals The New Normal For Tipping Shopping & Retail February 11, 2014
Ten years ago I waited tables part-time during college. Back then, receiving an 18% tip was a compliment. Now, 18%…