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4 By: MoneyNing
Table of Contents
Introduction.......................................................................................................................................... 6 How to Save Money Every Month.................................................................................................... 7 Saving Money On Your Groceries................................................................................................. 10 Giving Gifts for the Holidays on a Budget................................................................................... 12 Saving Money on Air Travel........................................................................................................... 15 Saving Money on Childcare............................................................................................................. 17 College Tuition is Expensive; Planning Ahead Helps Save Money...................................... 22 Don’t Overspend When Buying a Car.......................................................................................... 25 Saving Money on Credit Card Fees and APRs............................................................................ 27 Buying a New Computer Without Spending Too Much.......................................................... 29 Saving Money on Your Household Bills...................................................................................... 31 For Golfing Enthusiasts, Saving Money Can Be Tough............................................................ 33 Can You Save Money While Skiing?.............................................................................................. 35 How to Save Money When Going Out to Dinner....................................................................... 38 Cutting Costs on Cruises.................................................................................................................. 40 Having a Baby on a Budget............................................................................................................. 43 Dealing with Diapers and Baby Supplies on a Budget............................................................ 46 Purchasing School Supplies on the Cheap................................................................................. 48 Saving Money on Furniture............................................................................................................ 50 Save Money on your First Date and Don’t Look Cheap Doing It.......................................... 53 Moving for Less.................................................................................................................................. 55 6 Tips to Save Money when Purchasing Appliances............................................................... 58 Cutting Costs on Cell Phone Contracts........................................................................................ 62 Don’t Pay for Books and Magazines............................................................................................. 64
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Saving Money on Electricity........................................................................................................... 66 Drop Pounds, not Dollars with your Gym Memberships....................................................... 68 Cutting Your Costs While in College............................................................................................. 70 Saving Money while Doing Laundry............................................................................................ 72 Budgeting to Save Money on Bills................................................................................................. 74 How to Cut Costs with Air Conditioning...................................................................................... 76 Don’t Pour Your Money Away on Your Water Bill................................................................... 78 Get Frugal on Gas to Save Cash All Year Long........................................................................... 80 Two Months Salary? Not on Engagement Rings....................................................................... 82 Don’t Spend the Farm on Entertainment................................................................................... 84 How to Save on Rental Cars ........................................................................................................... 86 How to Save Money on Tires.......................................................................................................... 88 How to Save Money on Filing Taxes............................................................................................. 90 Be Smart with Textbooks and Save Some Money.................................................................... 92 TV Service Doesn’t Have to Be Expensive.................................................................................. 94 Wipe Out Excessive Spending On Toilet Paper......................................................................... 96 Save Some Money on Transportation......................................................................................... 98 Saving Money on Car Ownership.................................................................................................. 99 Finding the Best Deals When Buying Electronics................................................................. 101 Remodeling Your Home and Not Your Bank Account.......................................................... 103 Landscaping for Less...................................................................................................................... 105 Saving Money on Any Insurance................................................................................................. 107 Finding Ways to Save for Veterinary Care............................................................................... 109 Saving Money on Household Bills.............................................................................................. 111 Don’t Drop a Bundle on Baby Products.................................................................................... 113 How much should you spend on Braces?................................................................................. 116
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Decrease your Spending on Dry Cleaning............................................................................... 118 Make Organic Food Affordable................................................................................................... 120 Office Supplies on a Budget.......................................................................................................... 122 Saving Money on Prescription Drugs........................................................................................ 124 Enjoy your Pets and Save Money at the Same Time............................................................. 126 Spend Less on Baby Formula....................................................................................................... 129 Don’t Dispose of your Money when Buying Diapers............................................................ 131 Shipping for Less - Saving Money Year Round....................................................................... 133 Slashing Spending on School Supplies...................................................................................... 135 Enjoying your Prom on a Budget................................................................................................ 137 Don’t Pay Top Dollar on Video Games...................................................................................... 139 Planning Funerals Without Spending Too Much................................................................... 141 Buying Batteries without Busting the Budget........................................................................ 143 How to Reduce the Expense of Gasoline.................................................................................. 145 Save Money on Clothes for the Whole Family........................................................................ 147 Save Money on Beauty Products................................................................................................ 149 Cutting Costs on Car Rentals........................................................................................................ 151 Closing Costs Don’t Have to Drain You of Cash....................................................................... 153 Save Money While Traveling to Business Meetings............................................................. 155 Work Lunches Don’t have to Be Boring or Expensive.......................................................... 157 Get a Charge from Saving on Batteries..................................................................................... 159 4 Ways You Can Save with a Second Mortgage Application............................................... 161 Don’t Get Taken for a Ride with Full Price Train Tickets................................................... 163 Cheap Computer Monitors are Just Fine.................................................................................. 165 Buy Jeans at Full Price? Never!.................................................................................................. 167 Now Makes for a Good Time to Save on Real Estate............................................................. 169
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.......................................................................................................................... 192 Produce Portraits without Puncturing your Budget........................................171 Get Sports Tickets to the Big Game Without Spending a Fortune................................................................ 213 Car Detailing Without Cleaning Out the Bank Account..................................................... 207 Save a Bundle on a Bundle of Pots and Pans........................... 220 Presented by MONEYNING......... 194 Buy Needed Bus Tickets for Less.................................................. 202 Getting Affordable Legal Advice is Possible............................................................................................................................................................................................................................................ 215 Saving on Light Bulbs – a Bright Idea..................................................................................................................................... 184 Bargain Priced Massage Can be Good for your Body and Wallet...................... 218 Save Money Where the Rubber Meets the Road – Car Tires................ 175 Stock up on Fabric for Less than You Expect................................................................. 188 Don’t Allow Gas to Guzzle Up your Budget.......................................................................................... 190 Expensive Yoga Isn’t More Relaxing!.....................186 Cheaper China for Your Home............ 209 Can You Save on Pool Cleaning?....................................................................COM 5 ........................... 200 How Incorporating Can Save You Money................................................................................................................. 211 See Your Way Clear to Savings on Windshield Wipers........ Starting the Day Right.................................................................................... 179 Attending Tradeshows and Conventions on a Livable Budget................... 198 Finding a Way to Make Dance Lessons Affordable... 204 Can You Save Money Preparing Taxes?........................................... 173 Get your Concert Tickets for a Steal.............................. 177 How Much Should You Spend on Cologne/Perfume?............................................................................................Pajamas on the Cheap – 3 Ways to Save Money On Sleepwear.................................... 196 What Should You Know to Save on Gym Memberships?.......................... 181 Saving on Breakfast................................................................................................................................................
I asked around for help in putting together this ebook. I’m tired of paying for everything and I’m sure you are too. Look for my updates on new versions and let me know if you ever want to help write on a few topics. which focuses on saving money for the average Joe (that’s you and me!). The aim is to end up with a huge collection of tips and tricks to save money on everyday activities that everyone can benefit from. many workers are still struggling to earn an honest living. The digital version is free and it will always be that way. David (MoneyNing) Presented by MONEYNING.Introduction No matter what anyone says about the recession. Hope this helps.COM 6 . Note that this is a work in progress and far from finish.
It’s the area that’s most beneficial to look into because you work on eliminating it once and you are saving money every month. but don’t kid yourself – we know it’s the recurring expenses that really drown us into debt.COM 7 . Do you have one still? That’s so 1980s… Internet – Have you looked into the different technology (and thus. The Usual and Important Bills to Cut Every Month • Cell Phone – Remember me getting a few hundred dollars for switching cell phone carriers? What I didn’t mention is that many people are starting to look into prepaid plans as well. there’s always Netflix. you probably can save some money by paying as you go. Want to know where to start? Here’s the tip of the iceberg. The per minute cost may be high but if you never experienced having your ears burn because you talk too much on the phone.com and if you are a movie buff. Home Phone – I don’t have a home phone and I have no idea why the business model still exists. Let me tell you the truth. The monthly expenses are what most people neglect because they are subconsciously trained to ignore it after seeing the same line item month after month after month. There are many legal ways to watch TV online like hulu.How to Save Money Every Month Click Here to Read This Online It’s easy to stop pulling out the wallet every once in a while and declare triumph. Gym Membership – Gym? Do you actually go? Most people are going after a healthy and fit body instead of becoming a muscle man (or lady). options) available to you? Could you actually buy an Internet capable phone and hook it up to a PC (a feature known as tethering) to get essentially the same service for a fraction of the cost? TV – The case is made countless times but I bet many of you still pay way too much for your favorite shows. The fittest • • • • Presented by MONEYNING.
• Presented by MONEYNING. but in order to save money every month. Unless they provide real value. They run on the road. It’s amazing that we remember our purchases so much better when we pay in cash! Try Paying All Your Bills by Check for 3 Months – Stop all the automation for 3 months and see what happens. Pills – It’s easy to switch your subscriptions to generic brands and best of all. on the beach and in the parks. You don’t need to smell other people’s sweat and pay a bunch of money just to stay fit right? • Clubs. When you have to spend time to handle payments. it’s almost always cheaper. stop paying for it! Electricity – Many tricks we know. If everyone does this. Check out his list at the bottom of the post) Cars – Oil changes and regular maintenance may be out of your league but wash your own cars. Newsletters. it may even create more jobs! • • • • Activities You Should Try • Stop Bringing Your Credit Card Out for a Month – At first. (Stole this tip from Frugal Dad. dial down the water heater to 112 degrees. open the windows instead of using A/C are all simple ways to not only save but to put less strain on the overall environment.people are always the ones who go out to jog every day. we have to change our habits! Turn off the lights and electronics whenever it’s not needed. Subscriptions – Enough said.COM 8 . you will feel very restricted but you will slowly realize where you are spending money on. Please! Insurance Companies – Call the representatives regularly and see if there is a better deal (remember their competition as well). you will find a way to cut out the ones that aren’t absolutely necessary.
• Pretend You are Broke for 2 Months – The ramen days are over but that doesn’t mean the hard earned money that we have should go to waste.COM 9 . It’s no wonder why my credit card balance is 4 digits every month and I left the card in the freezer! • • What Do You Do to Save Money Every Month? I know you have some great tips and tricks. It’s not that cheap after all. $37 a month is actually closer to $450 a year. Check Your Credit Card Statements – One of the worst money suckers are the ones that automatically charge our credit cards. It’s quite fun (I lived with $34.01 a week once and learned a few things) Add Up All Your Monthly Recurring Subscription Cost for the Year – It’s amazing how pricing strategy works. Try it. Share with others! Presented by MONEYNING.
COM 10 . Stocking up and Planning When foods you commonly use go on sale. but only if they are for a product you already use. Coupons Coupons are great. you should definitely take a look at the coupons. or this can easily become your largest monthly expense. so I ended up paying only a dollar a box for name brand cereals. it is even more important to cut costs where you can.00 off.50 a box is cheaper than generic brands. which is considerable savings. so I went and picked up 10 boxes of each cereal my kids liked. $1.50.75 a piece. If you get a weekly newspaper. If you can do the same thing on double coupon days. purchase in bulk. Presented by MONEYNING. you drop the price to $0. but that. but only clip those for products that you use. Each 10 boxes qualified for an additional $5. Purchasing something you won’t use because you have a coupon isn’t helpful. General Mills cereals were on sale at the local supermarket. They don’t spoil and we will eat them for a couple of months. rarely does much for you. There are many ways to save money while shopping for groceries.Saving Money On Your Groceries Click Here to Read This Online Groceries are unavoidable because we all have to eat. but some are more consistent than others. the price drops is even more significant. Many websites will offer you large numbers of coupons for filling out their questionnaires and agreeing to try several offers. If you are feeding a large family. Recently. If you purchase an item for $1. get one coupon. originally selling for $2 and use a buy one. The next trick with coupons is to try to match them up with sales at the supermarket. in the end.
Local produce is also cheaper and if you eat a lot of it. the waste adds to the cost. If you set aside leftovers as part of the meal plan for the week. For example. chili another and spaghetti with meat sauce a third. and if you don’t use it. Warehouse Stores Check out the warehouse stores with an eye towards prices. Some cheeses and milk will freeze well. too. Cantaloupe may be a $1 a piece in the summer. plan your menu for the next week. Focus on the lower priced specials. You have to be willing to portion out the meats on you own since they come in large quantities and most people don’t need six pounds of hamburger at one time. then let your kids know. tuna could be at $1 per can versus $1. Freeze things quickly to avoid spoilage.69 at most markets. If ground beef is on sale. mine have a habit of eating anything they find in the fridge if not warned in advance. but $4 in the winter. you might plan hamburgers one night. Warehouses are a great place to get discounts on prescriptions and meats. so get working! Presented by MONEYNING. you might want to look into a CSA farm where you can buy a share for the season. stick to seasonal produce. Groceries are one of the best areas in which to cut back if your family budget needs a bit of updating. You get three good meals for less. when shopping for groceries. Take the flyers from the supermarket with you because some things are cheaper at the warehouse. Finally. but others are more expensive.COM 11 .Once you have the weekly circulars. Also. you will be tempted to purchase more than you need.
not to mention my wallet. would much rather spend $20 for a single decent gift than have to purchase eight $3 gifts. I got the yarn at an outlet store and I had a lovely gift for less than $10 a person. I. Form a Gift Exchange Group Do you have a number of common friends in your circle? Create a gift exchange circle. It strains my creativity less. Everyone has some talent they can use. My friend hit the fabric store and picked up fleece on sale with a coupon. or computer skills. Plan a pot luck dinner at someone’s home a week before the holiday. Make things I know it sounds cliche. even those of us who manage to keep a tight rein on the budget the other 11 months of the year lose control at the sound of a Christmas bell. for one. These gifts are more personal and less expensive than any of the junk you can find at the mall. but there is no reason not to plan ahead and make some gifts this year. and exchange the gifts. here are some great ways to save a bit of green and still have a great holiday. but all is forgotten by November and the cycle starts again. For some reason. If you still have at least a faint memory of those dreadful bills. The bills roll in come February and then the trouble really starts. Set a price limit and have a random pot to see who purchases for whom.Giving Gifts for the Holidays on a Budget Click Here to Read This Online Here they come again: the holidays.COM 12 . be it knitting. Last year I started in August and made a pair of hand knit socks for each friend. Presented by MONEYNING. She made tie blankets for everyone for about the same amount. Use these skills to create a unique gift for your loved ones and friends. baking. so it doesn’t conflict with family plans.
remembering where you stored that gift. Can you imagine what that would have cost? Instead of having a million little cheap gifts to present to the teachers. set yourself an affordable budget and stick to it. one parent coordinated a collection. I have had years where each of my three children had between 6-13 teachers. this takes a bit of coordination and time. Pre-shopping If you know well in advance who will be on your shopping list. this ridiculous trend ends with elementary school. The holidays are a stressful period and adding financial problems to them doesn’t help. but it is a nice gift that doesn’t cost too much. Yes. What about Work? Fortunately. You won’t Presented by MONEYNING. It isn’t extravagant. many employers are placing a moratorium on gift giving for the holiday season. you can always pick things up throughout the year to lessen the blow at year’s end. Many places offer an additional $5-10 of gift money when you purchase $100. Others include not being able to estimate sizes that far in advance. If you find that you have to give a gift. try to purchase an appropriate gift certificate when the store or restaurant is offering a special. One of the catches is keeping the receipt to prevent problems with necessary exchanges. With 30 students in the class we were able to give the main teacher a $50 gift certificate and then add a $30 gift certificate with a very small individual contribution. Split that total onto several cards.COM 13 . Thankfully. kids are faced with a need to purchase something for each of their teachers.Dealing with the Teacher Issue Come the holidays. No matter what you do. but is well worth it. and opting not to exchange with those people by the time Christmas rolls around.
regret leaving that porcelain Santa on the shelf nearly as much as you will paying 1826% interest in February.COM 14 . Presented by MONEYNING.
follow a few basic rules. flights with connections can be less expensive. which is a little strange. as they may offer additional web based discounts that you can’t get anywhere else. Book early. Once you have found the best price you can on a general search site. Don’t insist on direct flights. you will pay a lot more than if you are willing to fly mid week. is it still possible to save money on airfare? The answer is a resounding YES! It just depends on your ability to plan ahead. and show some flexibility. Comparison shop. 2. If your trip involves a flight. Business trips usually have a set itinerary. wait to make hotel reservations until you have managed to find the flight prices you need. but vacations can be massaged a bit to get the best prices. If you insist on flying during peak hours on busy days. cheaper fares. since they are often the most expensive part of a trip. although the planes are often smaller as well. Be flexible.Saving Money on Air Travel Click Here to Read This Online In an age where every airline is cutting back and cutting corners. one even gives you the option of stating your maximum price. and flexible scheduling the majority of the time. 3. they aren’t identical. it is much more difficult to save money than it is when you travel for pleasure. Keep an eye on the prices yourself. When you travel for business. and while their prices are similar. Many companies offer to match a fare if it goes down after your purchase. but make sure you can get a better fare later. Presented by MONEYNING. There are multitudes of discount fare websites available. so don't always wait for last minute deals. Booking early gives you the best options on seating. go to the specific airline site.COM 15 . Consider smaller airports since they often have better rates. Basic Strategies 1. since no airline is likely to volunteer to refund you money.
Take two bags each and it really adds up. it does reduce the overall cost of a vacation.4. baggage fees. An additional benefit is that you will find fewer people at your destination. Some packages provide free room and board for children traveling with a parent. Before you commit. and a more relaxed environment overall. You can often get a hotel and car included in your plans if you book ahead. Airlines are now trying to coax you into purchasing their "featured fare" over other fares that seem similar. Other Strategies Look at package deals. While it isn’t a direct airfare savings. you too can find some significant savings. Heading to big resorts even a week after the season is over can result in a 25% savings or more. especially if you are heading to a common vacation destination. Presented by MONEYNING. Consider all the fees. saving yourself a nice amount of money. Consider traveling after the area’s "season". some flexibility and an adventurous approach. airport fees. waiting an extra week makes good sense. check to see the final price after taxes. With a bit of work. but then end up being more expensive by charging $25 a bag.COM 16 . Air travel is a wonderful way to see distant places and enjoy new scenery. and critically. One airline may offer a price that is $20 less per ticket. If you have children who haven’t begun school or no children at all.
Share a Nanny If you have a good friend with young children who is also returning to work. Family Options Clearly. for a much more reasonable sum than a stranger. may be open to taking your children too. The best part is that this kind of arrangement is usually free. what happens if one of you run late. Presented by MONEYNING. at least at first. Put everything in writing and make sure you do a criminal check on your prospective nanny. each of you can take care of the kids one day a week and work the rest of the week knowing that someone who cares is watching your child. Offer to barter services like yard work or errands in return for their generosity. Other relatives. Retired grandparents.Saving Money on Childcare Click Here to Read This Online Making ends meet is more difficult than ever.COM 17 . but the good news is that it can be done. but it's not like bad childcare to save a few dollars is an option. The children benefit from a different set of toys to play with each day. Best of all. Good childcare is expensive. I'm sure you'll feel much safer that your children is in the hands of someone you know. you might be able to share a nanny. and figure out transportation arrangements. etc. determine how much each person pays. Finding a solution can involve some creativity. For families that need childcare. the expenses can be overwhelming. are a great resource. Arrange a Baby Sitting Cooperative Many mothers return to the work force part-time. the cheapest solution is to find a family member who is willing to lend a hand. if they are young enough and healthy. If you can get three or four such women in a group. Go through the whole interview process together. if they have young children at home.
but it is well worth the effort to know that your kids are safe. Presented by MONEYNING. set aside the money you need for the year in advance. since it really cuts into a couple’s time. Finding a good environment for your children that is affordable can be challenging.Tax Savings If your employer participates in a child care flexible account. Revamping the Schedule If you just can’t find a child care situation that seems reasonable and affordable. and well cared for. even if the curriculum may be targeted. this period in your children’s lives is relatively short. This kind of arrangement is difficult for both parents. if you can’t rearrange schedules and need to use a day care center. Fortunately.COM 18 . This is a great environment and learning experience for all the kids. Sometimes family friendly employers have an agreement with a local day care center and their employees can get a discount for using the facility. Shop Around Finally. Some public schools offer cheap or free day care for neuro-typical kids enrolled in a Head Start program. Other such employers are also generally willing to work with you to set up a job sharing schedules or telecommuting part-time. which will halve your costs. Older kids can attend a half day pre-k or kindergarten program and then join a half day daycare program. This way you avoid paying taxes on child care expenses. happy. The YMCA or the local church is likely to be cheaper than a private corporation. Working different hours means that at least one parent is home at all times with the children. and many people find relief that they are doing this for the children that they love. you may find yourself making a difficult choice. shop around.
you will never be able to compare apples to apples. while the coordinator will help you organize what happens on the day of the wedding. coordinators are money well spent because he/she will help make sure all details are executed on the Presented by MONEYNING. Want fish instead of beef? $$$. let them give you the sales talk so you get a feel for what’s available and to get a quote. The planners help you plan the wedding before the wedding. so make sure you know what exactly you are paying for. One of the tricks that people seem to use is to give you an ultra low price to grab your attention. On our wedding. do not use a wedding planner because everything can be done yourself. As a result. we had a spectacular wedding that cost pennies on the dollar. On the first visit. or are you more of an indoor person? Before you look at go to each location to ask for pricing. For those who have budget concerns. figure out your preference so you can rate it against the prices you are quoted. Once you have a general idea. Wedding Planners vs Wedding Coordinators There are wedding planners and there are wedding coordinators. However. everything will seem to cost extra. Most wedding planners will do both. my wife probably saved us an amount in the five digits. make a list with everything you’d like for the wedding and go back and ask for a price. Forks? Add X to the total. That’s why it makes sense to go to the venues several different times. Are you looking for a venue that has great views. Picking the Venue for Your Wedding One of the most important decisions you will make for the big day is the location of your banquet. Otherwise. As you inquire further.How to Save Money on Weddings Click Here to Read This Online I still remember the first time I realized the true power of my wife’s money saving skills.COM 19 . Do you want to know how to save money on your wedding as well? This article is for you. Then gather all the information and figure out what you’d like in your wedding.
which means more help on the planning side. rentals should be available to be picked up a few days before and they should also be adjusted (to a limited degree) to fit you. Also. That’s why they will charge you extra if you tell them it’s for a wedding. make sure to ask around to find a reputable company to rent from to avoid hassle. go somewhere else. you can just go there and Presented by MONEYNING. Also. Once? Twice? Maybe even ten times in your life. How to be Cheap on Flowers without Getting Caught Flowers make everything look better and vendors know this. Video is another story and it all depends on how many times you are going to actually watch the show. paying for a wedding coordinator means you can bounce ideas off of the person. If at any point you aren’t comfortable with the company you are dealing with. Balance your budget accordingly. Look. For those that don’t mind. Do you really want to be worrying about whether the flowers arrived or the tables are setup? Furthermore.day of the wedding. make sure you understand the terms (if it gets damaged for example) and see what your liabilities are.COM 20 . Anything more than that is probably too much for you if budget is a concern. renting wedding dresses may be for you. Photographers and Videographers There are people who will take photographs for free and there are ones who you can spend the rest of your life working for because they charge an arm and a leg. good photography is worth every penny as you will be looking at your wedding pictures for years so find a person who can take those types of pictures. talk to your wedding coordinator and your married friends to see if they know of wholesale flower markets where the vendors themselves go. Saving on Wedding Dresses Vera Wang dresses are amazing but not everyone can afford owning one. Instead. Before you commit. If there are ones around your area.
and everything is so much cheaper. On our wedding. we didn’t have to worry about being nickle and dimed. these are some of the ways you can save money on your wedding. On the big day. Obviously. which means different makeups. not to mention that she followed my wife the entire day was fixing my wife’s “look”. They usually look like the Costco for flowers. we actually flew someone from Taiwan over here to help us and it still turned out cheaper than hiring one in the states. Be creative. Are there anything else you are wondering about? Comment below and I will add to the article. Presented by MONEYNING.buy them yourself. Any vendor that tailors their business to that big day will overcharge.COM 21 . Anything Else Off the top of my head. guaranteed. furniture rental places for chairs and everything that has nothing to do with getting married. Look for party shops for ribbons. Chairs. Save Money on Wedding Favors The most creative and cheapest wedding favors are actually ones that you make yourself. Rev up your creativity and don’t be lazy. not everyone have access to people in a different country but do you have a friend who is in the industry? Try asking around (like your hair stylist for example) to see if there are anyone who can help. Makeup Specialist Some brides like to change clothes during the wedding. Why? The artist in Taiwan charged for the entire trip while everyone here wanted to be paid every time he/she picks up the brush. Ribbons and Others Where do you get deals? Forget wedding places.
you can begin this savings account at any point. supplies. it just means that you can get an excellent education at a state school. If you have more than one child.College Tuition is Expensive. a prestigious private university charged over $34.000 for the same quality education for in-state residents. start saving right away in a 529 savings plan. and save a lot of money. Tax Free Savings If you know you want to help someone go to college. Presented by MONEYNING.000 in tuition alone this year. texts. you can live at home and work at the same time. board. you really need to find the best money management strategies and ways to reduce costs. These funds are tax free and you can save between $100. Planning Ahead Helps Save Money Click Here to Read This Online The price of a college education is going up so fast it is hard to keep track of the expenses.COM 22 . This isn’t to say that private universities don’t provide a top notch education for their exorbitant price. With no limitations on age or income levels. State Schools vs. and other activities. room.000 per recipient. You are also less likely to waste huge sums of money drinking and partying: favorite student pastimes at traditional four year colleges. Compare that to University of California at Berkley which only charged $9. no matter how much you earn. too. Take two years of classes there before you transfer your credits to a state school. the final price tag can overwhelm most families. Here are a few suggestions that will give you a good start. Another good option for students struggling financially is to start out at a junior college. Private Universities Princeton University.000 and $270. Credits cost much less. Between tuition.
If you are serious about attending college. If you live in an apartment setting. but you can read it there. you generally know this by the time you enter high school. If that doesn’t work.COM 23 . bulk cooking save a lot of money. It isn’t unusual to find yourself assigned several books each running $100 or more per semester. Scholarships. see if someone else just finished up that class last term and if you can borrow their book. you need to continue saving money if you want your stash to last through four years. Food Many universities require freshmen to take a meal plan as part of their first year experience. or it is still too expensive. Don’t buy new if at all possible. Once you get to college. Textbooks One of the biggest unavoidable expenses is textbooks. After that you have more options. Presented by MONEYNING. If you can’t purchase the book you need. especially if you take the food you cooked along for lunch rather than buying each day. and keep those grades up and activities current. there is a thriving used book market online. Grants are often given on a per-needs basis and scholarships are available for everything under the sun. Grants. You may not be able to take it out. It is now possible for just about anyone accepted to a college program to qualify for a student loan of some sort. Apply for every scholarship you can qualify for to accumulate funds in advance. Oh My! The rules for getting college loans have eased up considerably in the last decade or so. If you still want a meal plan. Getting in is the first part of the battle. a punch card is more sensible than a full meal plan.Loans. If you are content with a few meals a week and then snack in your room the rest of the time. most teachers leave at least a few copies of the text at the library. choose one that matches your eating style best.
saving money both on getting into college and at college takes some preparation.In the end. Presented by MONEYNING. and a quality education doesn’t have to put you in the poor house or in debt for years.COM 24 . It can be done.
Shop Mid-month. It can’t be stressed enough that when you go to purchase a car. On the other hand. if you have to take a loan. fight for the lowest interest rate. and the dealership before you commit to anything. a complete list of just how much each feature costs the dealership. Start negotiating from that price. The same holds true for the end of the model year. and you may get pushed to purchase more than you intended. family. At the end of the month salespeople are eager to unload cars to make their quotas. you will have the money in hand. The Biggest Markup The easiest place to save the most money has nothing to do with the car itself. not the MSRP. Don’t let yourself get talked into spending more than you can afford. Presented by MONEYNING. credit unions. and shortest term you can afford. check your bank. There are some basic strategies that will help you make good choices and get the best deal you can. Some consumer groups will provide you. Of course.COM 25 . no matter what the terms are. if you do your research early in the month you have plenty of time to comparison shop.Don’t Overspend When Buying a Car Click Here to Read This Online Buying a car is a huge purchase and an investment meant to last for years. for a fee. Taking a loan is a tremendous waste of money. optimally. other banks. Shop around for the loan. your job. take test rides and go online to find out just what the car you are considering is worth. Financing is where most car dealerships make their biggest payoffs. but do your shopping earlier. Buy End-month It is always a good idea to wait until the end of the month or the end of the model year to purchase your new car.
extended warranties are a waste of money.COM 26 . If you get to the point of negotiating a number. Today. In the end. figure out how much you are willing to spend and walk away if the deal isn’t the one you want. this will ensure that everyone stays honest with you. Investigate the company you will be using with the local Better Business Bureau. These cars also come with its own multi-year warranties as if it were purchased brand new Write Everything Down and Use the Competition When you go to negotiate for a car. get a good faith contract written with a 24-hour guarantee. if you really want to do so. Remember that a car is one of the biggest purchases you are going to make. Also consider buying used cars from the dealership. In general. so don’t spend extra for them. ask your friends where they got their cars and if the experience was a good one. Barring unusual driving conditions. as many have started offering their certified pre-own program. many car companies will allow you to carry over the warranties that came with the car for a nominal fee. Take that contract to another dealership or two and try to get a better price. Aside from the advantage of rattling the inexperienced. a car that is two years old is usually in great shape. Presented by MONEYNING. take along a pad and be prepared to write down everything the salesperson offers.Consider Used Cars Most cars depreciate 30-40% the first two years a car is off the lot. Also.
If You Hold a Balance No one needs to tell you that holding a balance on a credit card is poor money management. if you own your home.Saving Money on Credit Card Fees and APRs Click Here to Read This Online The best advice anyone can give you on credit card fees and APRs is that the easiest way to save money is not to owe money. Even the best savings accounts are only paying between 1-2% in interest currently. the best credit cards are those that have the lowest APR. it makes more sense to find a card with a low APR. Still. whereas if you pay your balance off monthly. a higher APR with fewer holding fees is a better choice. When compared to paying 9-22% interest on a credit card you can clearly see why you would want to pay off debt first. The catch here is that you are putting your home at risk if you can’t repay the loan. something you can’t do with credit card interest. most Americans do so regularly. It is also advisable that if you have any savings accounts to use them to pay off any credit card debt. Another option is to take a home equity loan. If you have a good credit rating you should be able to contact your credit card company and ask for a decrease in rate. If You Pay Your Balance Each Month Presented by MONEYNING. For those. The additional benefit is that you can deduct the interest you are paying on a home equity loan from your taxes. The conditions in today’s market also mean that you can find a credit card that matches the way you spend.COM 27 . If you maintain a balance constantly. Dropping even a few points saves you a great deal of money over the course of the years.
While most people need to have a credit card for emergency purposes.COM 28 . With some cards. Avoid fees. These are the charges you want eliminated. so make sure you read them. Here it makes the best sense to search for a card that offers a no fee option. Other Strategies Never pay late. The same situation can apply here. a double whammy! Read the Terms and Shop Around The credit card business is just that. You pay your balance monthly and you don’t accrue any interest charges. you know what I mean. it still pays to evaluate those credit card fees and APRs before signing on the little line. a business. transfer fees and cash advance fees are exorbitant and they add up quickly. even one late payment moves you out of the prime interest rates and into higher ones. If you are going to miss your cut off date. Cash advances usually come with exceptionally high interest rates in addition. Some cards want you to pay them for usage. Presented by MONEYNING. Shop around to find the best terms for your needs. Over limit fees. often that will forestall changes in interest rates. usually annually. A simple overdraft of a few dollars suddenly balloons into several hundred. Most contracts are only a page or so. They want you to do business with them and prefer that you are the kind of client that carries a balance. ask for a better rate. If you have ever accidentally overdrawn at the bank. if you do end up carrying a balance from time to time on an especially expensive item. late payment fees. it will cost less in interest. call the company and let them know that the money is on the way.In this case the interest rate is irrelevant. Even so.
Printers are nice. these are the models that offer the best rebates and are Presented by MONEYNING. the best way to save money buying a new computer is not to buy one. you can usually find great deals on slightly older models. but you can get cheaper ones if you buy them alone. it can be much cheaper to spend money on upgrades than on a completely new machine. On the other hand. If your current computer works fine. a much simpler machine can accommodate all our needs and still provide excellent usability. Part of this process is also figuring out what you don’t need. Whether it is an older version of an operating system. Unless you plan to use a webcam constantly. a slower drive or less refined screen. If you are still determined to purchase a new machine though. here are some things to help you minimize the impact on your budget. The statement is obvious but it's worth mentioning. Assess your needs before you go to the store where all those pretty computers will tempt you towards making a purchase that exceeds your parameters. For most users. Figure Out What You Need Laptops and desktops are available with all the bells and whistles imaginable. A serious online gamer may need the memory and graphics from the high end of the available spectrum. Biometric security features? Fancy but scarcely necessary unless you are a spy or corporate big shot. Minimize as much as possible.COM 29 . you don’t need one as part of your package.Buying a New Computer Without Spending Too Much Click Here to Read This Online As is usually the case in big ticket purchases. most of us aren’t going to notice the difference. Use Rebates and Sales Because computers are a technology that is constantly changing.
Other computers simply didn’t meet their new owner’s desires and they returned them within the warranty period. your computer will be faster Windows 7 was freshly installed. I just got my kids a really nice desktop with a monitor. Even with a free upgrade. Presented by MONEYNING. Do keep an eye out for computers with rebates that are more than a similar unit without one. frankly. you can avoid a lot of pricey extras. Extra software added to a standard machine may not be necessary for you. so don’t purchase new ones. keyboard and mouse should work just fine with your new CPU. Personally. so I know you can do it. the manufacturer will repair the unit and return it to the owner. Buying a new computer doesn’t have to break the bank. Your current monitor. there are some serious savings available on these units. so ask that it not be loaded. When you buy these.most frequently on sale as stores try to deplete their inventory. though. Refurbished Or Out of the Box There is a growing market for computers that have been returned to the manufacturer for one reason or another. they generally work just like new so it is definitely worth looking at these models. I suggest you avoid Vista altogether. speakers. Avoid Vista optimization add ons. Either way. Avoid Extras If you are looking at a desktop. and wireless internet for $300. too.COM 30 . If there is a defect.
Also. You really don’t need to heat the house any higher than 65 degrees. so here are some simple ways to save. Those appliances are designed to save you energy. The rates are going through the roof and winter is around the corner.COM 31 . radio. Electricity Do you remember your parents telling you to turn off lights when you leave a room? It’s great advice. gas. Gas Most new homes are heated with natural gas. television and coffeemaker all take small amounts of energy to keep running. You will appreciate not having to change bulbs as often and save money at the same time. Your printer. For all the controversy about compact florescent bulbs. but it adds up. even in "energy saving" mode. It’s a minor detail. computer. and electric bills. and by extension. turn off other appliances. and this is a place where prices have risen dramatically in the last few years. There is no other choice. money. look for those with the best energy star ratings. Finding good ways to cut back without freezing is helpful for just about everyone. When you need to purchase new appliances. they do save a lot of energy while still providing the same amount of light.Saving Money on Your Household Bills Click Here to Read This Online If you have dealt with a recent shock caused by your water. you understand just how important it is to save on household bills. unless you have Presented by MONEYNING. drop your temperature. Start by using them in conjunction with standard incandescent bulbs and you won’t have such a hard time switching over.
the practice of low and no water gardening. Saving money on your household utilities doesn’t have to mean sacrificing your shower time or working with candles. You can drop that to 60 degrees at night and pile on the blankets. letting water get to the roots. Still. Water There are some basic strategies that we all know. This service is generally free and can give you a great heads up on areas you can improve for reduced costs. You just have to make small changes to see a big difference in those bills. do so early in the morning to reduce evaporation. use drip irrigation where possible. Other easy fixes include repairing leaking faucets and replacing toilet valves that are leaking. your best bet is to reduce it significantly and plant things that are more drought tolerant. and opt to water less often but for longer. Another great way to save money is to ask your utility company to come out and do an energy audit of your home. most water in a home is used on watering the lawn during the summer months. This practice is particularly common in the high desert area of Colorado and other mountain states. don’t run the water when brushing your teeth or getting a glass of water and use low flow showerheads and toilets. If you must water. Presented by MONEYNING. Adding insulation pays for itself in a season or two.very young children or elderly people in your home. You can find whole websites dedicated to xeriscaping. Using a programmable thermostat and wrapping your hot water heater all help you save money. Shorten your shower time.COM 32 . Shutting the vents in rooms you don’t use cuts energy use. If you have a lawn.
Presented by MONEYNING. for the most part. bags. which could sometimes be as little as 20% of the full price. but you won't need them anyway. No boxes with those.For Golfing Enthusiasts. Weekday tee times are cheaper as well. the total adds up quickly. which courses often call twilight and super twilight hours. weekends and holidays. but if you purchase them used. You may not finish 18 holes. balls. If you get cosmetically imperfect balls that work just as well. green fees. but that says nothing about the need to get them new. Even better. but you will get the twilight discount. At these hours people swarm the golf course and the rates shoot up. purchase balls that are logo overruns and get high quality balls for a fraction of their retail price. Over the years. yet addicting game. is an expensive game. Many people believe that it's important to use the same ball. and lessons. a round of golf is much more reasonably priced. Saving Money Can Be Tough Click Here to Read This Online Golf. Shoes. I've found many ways to save on this ridiculously frustrating.COM 33 . For example. clubs. Equipment You don’t need to spend top dollar on clubs to get great equipment. and balls all appear on these shelves for a fraction of the price you would pay at the big chain stores. a Big Bertha graphite set will cost you $700 new. Green Fees and Rentals The most expensive time to golf is in the early part of the day. Opt for later hours during the week. Equipment from the previous season often ends up here and you can save 50% and more. Another great way to save money on equipment is to shop at discount sporting goods stores. and if you can get out of work for a few hours. Between clubs. you can get them for less than $100 for the same set. you can knock 30% off the price.
The savings in green fees will likely pay off. They offer great bonuses. chat with your friends. Go off season. Sharing a room reduces costs for everyone. so do the calculations. Just because golf has long been associate with the rich doesn’t mean you have to be wealthy to enjoy it. The savings are tremendous when the season ends and resorts are trying to fill rooms. Some of these trips hit the best courses in the country. so ask around (I know at least one club near where I live where I can play on my birthday for free).COM 34 . and get out there while still saving money. Shop around. consider getting a membership. to enjoy being outside. An even better idea is to coax a few of your golfing buddies to come along on the trip. If you play a lot. Presented by MONEYNING.Skip the golf cart and hoof it for even bigger savings. Walking gives you time to shake off that bad drive. you don’t have to play at the fancy clubs. and get some exercise as well. some clubs offer birthday discounts. Golf Vacations Golfing vacations are increasingly popular. Improve your skills at a less expensive course and ask for gift certificates for the high priced clubs for your birthday. Additionally. presumably. Part of the reason you are golfing is. and you all get a break from work while enjoying something you really like. Many townships have a local course that is just fine for regular play. others travel to great golfing locations around the world. And speaking of birthdays. Search the internet and you can find some terrific deals and packages. use your money wisely. like massages and carts free of charge just to get you to come.
March and April. one major item each year.COM 35 . You can get fantastic deals. comfortable clothes that wick well and keep you protected from the elements. The same applies to purchasing jackets. It makes sense to shop for boots at night when your feet are at their most swollen. goggles and all the rest of your equipment. Lift Tickets Presented by MONEYNING. sometimes in excess of 50% off if you shop at the right time and are flexible about what you want. pants. space out your purchases. Don’t put skis away wet. The best time to purchase these is in the early spring. You don’t need the newest and hottest colors to ski well.Can You Save Money While Skiing? Click Here to Read This Online Skiing is one of the most expensive winter sports available. It may seem like there would be no way to save money and still enjoy a season’s skiing. to prevent over spending. have them tuned regularly and air out your boots. Remember to maintain your equipment methodically. when stores are trying to get rid of their stock to make room for the summer sporting goods. with a little planning you can hit the slopes in style and still save yourself some serious dough. you need warm. Saving on Equipment Costs If you ski more than a couple of times a season. Taking care of equipment means fewer replacements as the years pass. but believe it or not. you will definitely want to invest in your own skis and boots. Avoid replacing the whole outfit at one time. Try to stick with basics.
but a season pass. stick to midweek and early or late season skiing. It can last well into March or April. Bring Your Own Food If you have ever fed a family at a ski lodge. Many passes are available in October or November and last through the very end of the season. Pack your lunch and snacks and purchase your hot chocolate there. Presented by MONEYNING. Out west the ski season usually starts by late October or early November. you know that you can spend $10-15 per person on a mediocre lunch. depending upon snow fall and conditions. At Aspen a one day lift ticket costs $96. Since the resort is better known it draws bigger crowds and you will get fewer runs over the course of the day. Your best bet if you are going to ski for more than seven days total is almost always the season pass. The prices for mid-week skiing or non-prime ski season can be as much as 30% less than weekends. For example.Lift tickets are one of the biggest expenses you will encounter once you have your equipment. usually early April. Another great way to save is to go to less popular destinations like Monarch as opposed to Aspen. at Monarch Mountain. so make use of them wherever possible. It pays off in just six visits. You will save a lot of money and still enjoy sipping a hot drink while watching the other skiers when you take a break. Even better. Add in a few hot drinks and you are easily increasing your costs by $100 for a day. Timing If you are going to ski on a per day basis. Many coupon books run 2-for-1 specials or offer discounts.COM 36 . holidays and prime season. purchased early is $319. Another good way to save money is through the use of coupons. the crowds are usually thin so you get in more skiing each day. a day ticket costs $54.
Keeping your expenses down and saving money while enjoying skiing is certainly possible.The fact remains that skiing isn’t a cheap hobby. it just takes some practice. Presented by MONEYNING.COM 37 .
you can still enjoy a good night out. going out to dinner becomes a real treat. I could easily spend three times that for the same amount of food. others offer two kids meals for each adult meal. but the same amount of money can mean a good BBQ joint with free meals for the kids and something tastier for the grown ups.COM 38 . A family meal for four.99. I recently discovered a great coupon that turns up monthly in our local circulars. but with some clever strategies. drinks. Coupons. Check around online and keep a list of those restaurants your family likes and when they offer free kids meals. Coupons. You can easily spend $20-30 for a family of four at that restaurant with the arches these days. having some fun while keeping your wallet in mind. Pick which one suits your families needs best. There are websites dedicated to helping you find these restaurants in your area. breadsticks. the newspaper. use them. Family Fun Tons of restaurants offer free kids meals with the purchase of adult entrees. Presented by MONEYNING. and two family sized entrees at a great Italian place for $19.How to Save Money When Going Out to Dinner Click Here to Read This Online When trying to save money. Coupons Whether you find them in the Entertainment Book. Some restaurants require an adult meal per kid meal. It takes a little planning and a bit of work. Even with a tip. If I take them to another Italian place. the four of us were full for $25 and have enough leftovers for the three kids to enjoy the food again for lunch. or local savings magazines. including salad. This one is about going out for a great meal.
Share two appetizers with your dining companion and you get variety and a smaller check. I live on a limited budget and can’t waste money on eating out. Another option is to make a meal out of appetizers. Seeking out the best deals while still going out to dinner translates to having my cake and eating it too. Have water or seltzer if it is free. and save your money for the meal. Discount Dining If you are going out to eat and can’t find a coupon or a deal.00 piece will buy you a whole cheesecake to eat when you get home. the portion of most appetizers is more than enough to fill you.Many places offer buy one get one free coupons. especially for lunch.COM 39 . That $5. since you are stuck with two people eating the same thing. You need to plan a bit with these. Though if you can make this work for you. I hate to eat alone and dining out makes it easier. I have picked up $25 certificates for $3. and if you have a promotional code. the deals are even sweeter. Personally. Still. Drinks are marked up a tremendous amount. up to 400% in some cases. it is a great deal. You can usually pick up the certificate for less than half price. avoid the extras. An extension of the coupon phenomenon is purchasing gift certificates for specific restaurants on discount websites. Presented by MONEYNING. Truly. Skip appetizers and desert. With a little luck.
Since your cruise won’t wait for you no matter when you arrive. but you avoid the huge crowds that accumulate at favored destinations and you get some killer discounts. Shoulder Season Shoulder season refers to the weeks immediately before or after the high season in cruising circles.COM 40 . Luckily. and the times are rarely convenient. Cruises provide food. and save the premium. Book Early If you book before the season really begins. they are usually not as good as those offered early. there are some easy ways to cut your costs if you plan ahead and know what to look for. The cruise lines want to make sure that their boats are at least partially filled. Room to Breathe Presented by MONEYNING. Avoid Airfare The worst package you can get is one that combines airfare and the cruise itsel because rarely do you get anything close to a good flight fare. a perfect vacation if it weren’t for the price. lodging and entertainment all in one place while taking you out into the ocean. It is common to get multiple connections on your flight. pick your own flights. and will offer discounts to those who book early. arrive in plenty of time. You are still going to experience wonderful weather and sights. you will get better prices.Cutting Costs on Cruises Click Here to Read This Online Cruising has become an immensely popular way to get away and see a little bit of somewhere new. Although you can get discounted rates once the cruising season has begun.
Basically. Presented by MONEYNING. the ship won’t wait for you and it can be very expensive to try and catch the boat. Get an inside room. Bust the Bus Tour companies at your destinations work out deals with the cruise company to provide day trips to various locations. bring along your own cup. either on the water or at the next stop. Just remember. then get out on deck and enjoy yourself. the room is the place you leave your clothes and retire to at the end of a day of swimming. playing and socializing. A corking fee is still cheaper than purchasing from the ship and the wine will be better.COM 41 . negotiate up front for a price and don’t pay until you arrive at your destination. If you prefer wine and liquor. and use cash if you must to stay within your limits.Unless there is something seriously wrong with you. consider bringing some of your own along. because it is bound to be larger then anything they offer. If you go anywhere else. they are quite likely to take you right to their selected gift shop to purchase mass produced junk while they get a kick back. There is simply no reason to spend extra money for a larger room. Many locations now have set fares posted by taxi stands. so plan to be back with plenty of time to spare. Walk a couple of blocks away from the dock and find local transportation instead. since there is a premium for a view. If your cruise line offers a "soda sticker" and you drink soda often. Budget yourself. Additional Advice Drinks are rarely included in your price and they can add up quickly. the amount of time you spend in your room is minimal. In fact. and pick the smallest room you consider reasonable. take advantage of the deal. Not only do these options usually cost more.
Cruising can be lots of fun and with a little caution your cruise won’t result in months of debt. cruises are fun but not everything on board is included.COM 42 . Stay alert and don't spend a bundle because of ignorance. Presented by MONEYNING. Remember.
Goodwill stores are a great place to find gently used pregnancy clothing. babies are incredible. Note though that many experts will not recommend a used car seat because of safety reasons. get it out and install a pregnancy panel in a couple more of your pants and you should be able to make it through the pregnancy. so read ahead.COM 43 . Still. and coworkers. you can usually get by for quite a while in your regular clothes. Never mind the cost. so advertise your condition and watch the donations roll in. Much more important than saving Presented by MONEYNING. That doesn’t mean you have to stand in the lobby and open a brand new box though. Ask around.Having a Baby on a Budget Click Here to Read This Online There comes a time in your life when having a baby seems like a great idea. There are some ways you can save tons of money while still providing everything your little one needs though. relatives. For some reason people are very eager to get rid of these clothes. I shared my seat with my brother and between us we used it for six kids. the sleepless nights and all the other anticipated difficulties. as are friends. Baby Essentials Before they let you take the baby home. the hospital will insist on seeing a car seat. We just took turns having babies. Friends with toddlers probably still have that infant seat in the garage. eventually the reality of the financial impact will rear its ugly head. If you are handy with a sewing machine. I totally agree that safety is very important. Prenatal Purchases While it is really nice to have one or two sets of prenatal jeans.
try the thrift shops first. Little babies outgrow things so quickly that there is rarely any wear and tear. myself. For those who opt for bottle feeding. but you don't hear about the same advice about safety versus cost there. Newer cars are safer than older ones too. the best place to get formula is a grocery warehouse. ten onesies. clothing. Wait until you are certain you will be doing this for a while before you invest.COM 44 . Just because something is dated doesn't mean it's not safe. If you have your own washer and dryer. Borrowing or accepting hand-me-downs is a great technique. It all comes down to the specific piece you are buying and whether you can see the difference of what's good versus bad. my wife or parents. and there are bad. but expensive. socks. is about the easiest to get for free or cheaply. The first few weeks you will probably stay home so use a sports bra for convenience and comfort. but like EVERYTHING ELSE used. Nursing bras are great. so I'm well aware of our instinct as a parent to be extra cautious for our children but whether it's my daughter. But you can find some good used car seats that's made in the past year or two (just imagine all these parents who need to throw away their infant car seat before their child turns one) and were made from the exact same safety standards as the new ones currently on store selves.a few dollars. there are good. Feeding and Diapering The hands down cheapest form of feeding is breast feeding. Another biggie. This is all opinion of course. Presented by MONEYNING. a slight increase in what Mom eats and you are done. Obviously new is always better. safety is JUST AS important. and sleepers are all you need at first. I have a new born too. but if you must get something new.
Disposable diapers are pricey and environmentally unsound. You go through a lot of diapers with each child.There is no way around the expense of diapers. but only if you purchase your own and wash them yourself. Get online.com. The wraps are more expensive than some other options. Cloth diapers are cheaper. for example. but boy are they convenient. Coupon Shoebox. A diaper service is expensive. The only way to find out which works best for your baby is to try out several brands until you find one that does. has quite a few coupons for items sold at Diapers. but mine have lasted through three kids and are still in great shape. It is possible to stick to a budget and still give your child all they need. The best options are wool wraps and cotton diapers purchased in bulk. but you avoid the washing process. There are plenty of websites dedicated to saving money while raising your bundle of joy. join parenting groups in your area. and ask a lot of questions. so buy the cheapest ones that work.COM 45 . Presented by MONEYNING. By work I mean they hold a night’s worth of fluid without leaking and bowel movements don’t creep out the sides and back when you aren’t looking.
realize that those faint stains are no big deal. Cheap options exist for things like cribs. and other big ticket items if you head to thrift shops. there are ways to get everything you need and not spend a fortune. as long as you are willing to go get it. For many years I worked as a labor and delivery coach.org. they start stocking up on some items and the sticker shock is palpable. Garage sales are a great place to pick up things like onesies for a few cents a piece. and Cheap Thank goodness for the environmental movement. I don’t know what it is. While it may offend your sensibilities at first. Why pay a dollar a piece or more at the store when you can get six for a dollar elsewhere? Avoid picking up a car seat at a garage sale though. Luckily. changing tables. As the pregnancy progresses. you don’t know what it has been through. and one thing I heard all the time was "How do I manage all the diapers and baby supplies without spending a fortune?" When couples make a decision to have a baby. This is a website where you can acquire just about anything for free. Give them a good going over with some diluted bleach and Presented by MONEYNING.COM 46 . Free. Nearly Free. as your child will add to them very soon. since it has lead to wonderful resources like Freecyle. You can get whole bagfuls of baby clothes someone else no longer needs without spending a dime. they rarely realize just how expensive this kind of stuff will be.Dealing with Diapers and Baby Supplies on a Budget Click Here to Read This Online If there is anything more beautiful than the sight of a mother holding her newborn.
try to remember that in comparison to the total expense of raising a child and getting them through college. Finding then second hand is easy on auction sites. Diapers How is it that a container for waste has become such a controversial topic? We have all heard the arguments. like a swing.COM 47 . Name brands mean nothing. Working means they don’t leak material out the back or leg openings and can hold a night’s worth of urine without soaking the bedding. You won’t need more than half a dozen per size. Enjoy your baby. No matter what. but if you have your own washing machine. With cloth diapers you will spend more up front. Disposable diapers are the most expensive option over the two to four years it takes to get a child toilet trained. cloth diapers are a nuisance. disposable diapers are environmentally unsound. This is one thing worth investing in.you are ready to welcome baby home. from friends who have toddlers. Using a diaper service is convenient. save where you can. it is just a matter of degree. even more so if you have several children. The fact is both are expensive. You can also beg. and expect the unexpected. Presented by MONEYNING. borrow. but generally expensive. get the cheapest diaper you can find that works for your child. The best place to purchase these is at a grocery warehouse. the overall cost is much lower. or steal some of these items. Wool wraps are generally regarded as the best for both baby and clothing. ask a relative to give you this as a gift for the first few months if you want to try it out. good wraps make all the difference. these expenses are petty cash.
One store may have notebooks for a penny. so don't throw them away.COM 48 . Circulars Getting the best prices involves checking circulars and going to several stores. You can split up large packages when you get home. you can reduce your purchases by putting away scissors.Purchasing School Supplies on the Cheap Click Here to Read This Online When I was a kid. Get Organized Since the schools are now demanding everything from pencils to tissues. and it can be rather expensive. stuff comes home at the end of every year. markers. you can usually get away with picking generics. Here are a few ways that I've come up with to save money on buying school supplies. and a back pack. Compare prices in circulars or online before you go to the store. One teacher wants two dozen pencils and the other wants a dozen. and notebooks when the school year begins again. Presented by MONEYNING. while another will have a box of crayons for a dime. pencils. you may be able to find larger packages of materials for less. You also want to compile a complete list of all requested supplies. Today. Recycle binders each year. Know exactly what you need before you head out the door. Set up your shopping list so you know what to purchase at each store and plan your trip logically. Then combine things. Have several kids. a couple of pencils and pens. pens. you get a huge list of supplies the school expects you to buy for each child a few weeks before school begins. Calculators can be passed from child to child or reused too. purchasing school supplies meant getting a new notebook. Unless they specifically say not to purchase a particular brand. Although they want new crayons. and highlighters when they are returned in the summer.
Go It Alone Don’t take your kids with you when you shop. there is no reason to break the bank in the process. The cheap backpacks don’t last and often need replacing before the school year is even over. they will graduate at some point so try not to be too stressed out about this. Spend a Little More. Stores are eager to sell off whatever remains on their shelves and you can get some pretty good bargains. Presented by MONEYNING. and without a child to argue with the whole process is faster. This is one of those places where you should spend a bit more and get something classic. I know that backpacks change each year and you can easily spend $15-30 for a pack every fall. While we all need to get school supplies for our kids these days. but they will last for several years.COM 49 . A high quality backpack like a Jansport or LLBean may cost $40. Shop Early or Late Stores are trying to get you in as soon as possible to purchase those supplies. Save a Lot Now. invest in quality where it is worth while and remember. I’ve had a Jansport for more than 20 years without any rips or holes. You can find some really good prices on loss leaders a month before school starts. Keep extras around for stocking stuffers and refills later in the year. It is much easier to hand out those ten cent WalMart notebooks to everyone when you return than to argue in the aisles with a child who wants the fancy Barbie or Transformers notebooks that cost ten times as much. The same is true if you wait a couple of weeks after the school year starts. You won’t be tempted to purchase more expensive supplies for their "cool" factor. Shop around.
You may have room for a sectional sofa with nine pieces. Also. Presented by MONEYNING. you will end up paying to have it returned plus re-stocking fees. The first thing you must do when saving money on furniture is to determine what you actually need. even if you start out with hand me downs from your family. make sure you have accurate measurements. you are going to want to buy some of your own furniture. New or Used? Purchasing used furniture can save you a great deal of money. remember that there is no rule stating that you have to purchase matching pieces.Saving Money on Furniture Click Here to Read This Online Sooner or later.COM 50 . but it won’t be quite as satisfying in your garage when you can’t get it through your doors. eclectic is in. buying smaller furniture will look nicer and save you a few bucks too. most people never use a coffee table. Also. eliminating the need to travel far to pickup the piece you wish to purchase. You can narrow your search down by location. and frankly. It's also worth noting that big doesn't always mean better. Your best options are to search online sites like Craigslist where people post things they wish to sell. evaluate your doorways. There is no need to buy a sofa if a love seat will do. Next. If your rooms aren't huge. If you have something delivered and it doesn’t fit. so don’t get one if you have no use for it.
Remember. many stores are tying to get back into the black so you will start to see great deals. If the item passes the "smell" test. 0% financing over a period of time is a great solution if you can’t afford to pay for an item outright. find something in good condition that doesn’t smell of smoke or animals. be sure not to overextend yourself. You can see if repairs have been made or breaks have occurred better from the bottom because no one really cares if the glue line is showing there. Online Sources Presented by MONEYNING. Check sofas and chairs to see if the fabric underneath has been moved and restapled. As the year ends. Your best bet is to find what you like and wait for a sale. give the legs a little tug. you may be able to move in all your new furniture. you can save the fees. Stores charge for delivery. New furniture offers fewer negotiation options. The savings on financing can really add up if you purchase more than one item at a time. Turn over sofas. Finally. cheaply made furniture won’t last and isn’t worth investing in. so it's better to be safe than sorry later. but just enough to see if the legs are stable. regarding new furniture. On tables. Another way to save money is to borrow your friend’s truck and labor. For a pizza and a couple of beers. quality pays. chairs or tables and look at them from underneath. nothing rough. see if you can negotiate a better price.COM 51 . Since penalties for late payment are usually fairly stiff.When dealing with furniture you see online or a thrift shops. that smell will fill your home once you bring the piece inside. and appears to be in good condition. Don’t settle for a visual inspection of the top of the item. and if you can manage it yourself.
check the Internet before you buy it at a store. Purchase classic designs.If you really like a particular brand. You can also spend some time online comparison-shopping without even stepping out your door. In the end. or offer free shipping. Outlets and factories may sell the item for less.COM 52 . that way you know what to expect when you arrive at the stores. Presented by MONEYNING. Furniture is a big investment. shop around and take your time. you will find something that fits your budget and your style.
but most young women realize that the men they date are trying to make ends meet too. women aren’t really looking for men who are willing to shell out huge sums of money on a date. Find out about your date in advance. a college game is more fun than a professional game at a fraction of the price. Remember. but she isn’t likely to care. Does your date like hiking? Pack a picnic and head out on a trail you researched in advance. if you can. and money doesn’t need to enter the equation. creativity shows your fun side and implies you planned a bit. Ask mutual friends.COM 53 . Heading to a beach for a walk or dip and wrapping up the day with a lobster roll from a local snack hut is relaxing and enjoyable. not dinner. opt for lunch. Yes. Sure. That means that with a little creativity you can really impress. Eating Out If you really want to go out for a meal. to discover what kind of things interest her. Presented by MONEYNING. Taking a hayride to pick pumpkins or apples in the fall is great fun. and costs nothing. Consider seasonal activities for a first date. First dates are supposed to be less emotionally charged. it’s nice to get treated now and again. Plan a date around that topic. If your date likes football. your date will realize that lunch is less expensive. Walking along flower-laden paths in spring is very romantic.Save Money on your First Date and Don’t Look Cheap Doing It Click Here to Read This Online Contrary to what you hear on the Internet. and lunch is more casual than dinner.
Look online and try to purchase a gift card at a discount for the restaurant you intend to use. I was stunned! There was no third date. Consider Appearances The absolute worst date I had was actually the second date. Many gift cards are available at half price. and in this economy. Frugality is a great thing. Ask questions. A coupon or gift certificate is fine and shows you are planning ahead. Focus on your company No matter what activity you choose. Insisting on sharing a bill after you invite someone is tacky. get a second entrée free” coupon and then expecting me to pay for my meal and the tip. I didn’t. When we sat down. Leaving them to pay without any notice will pretty much guarantee you will never see them again. Don’t gripe about slow service. tap your fingers or discuss work problems. saving you a significant amount. we all need to tighten our belts. We all need to save money. listen intently and don’t over share. she will be much more receptive to a second date.COM 54 . Just bring some cash for the tip. but think about how your date will perceive your actions. he asked if I minded that he used a coupon. remember you are there to learn more about the individual with you. The fellow invited me to join him for lunch at a restaurant of his choice. Of course. If your date perceives that you are truly interested in her. He handed me cash for his soda and left the table immediately. What I didn’t anticipate was him pulling out a “buy one entrée. Dating is an activity that is fraught with enough emotional nuances without getting caught up in finances. Presented by MONEYNING. Planning ahead for a fun and inexpensive first date makes good sense and will certainly impress the girl.
Books. Label all your boxes and furniture with the same number and you won’t have to haul things around the house when the movers leave. right? If possible. Once you know where everything is going. figure out what fits and what doesn’t. toys. the process can seem overwhelming. but turning the job over to the professionals is painfully expensive. every box adds to your cost.Moving for Less Click Here to Read This Online When you finally make the decision to move. the less you move the cheaper it is. Presented by MONEYNING. If you are paying movers. There are some relatively simple ways to cut costs and still get the job done right. clothes. Packing up an entire household with furniture. Get Rid of It I admit I’m a bad wife. so why move it? Get your floor plan. put a big numbered sign in each room in the new house. give away or donate anything you won’t need in the new house. toys and everything that goes with it is daunting. exercise equipment. planters and clothes all add weight very quickly. and sell. Know where you are going This sounds simple. I started a surreptitious plan to get rid of my pack-rat husband’s collection of "we might need it someday" junk. The cash paid for moving the big items we didn’t want to handle. Before my family moved cross-country.COM 55 . measure out your new floor plan. Even if you pack yourself and just pay for the shipping. We got rid of anything we hadn’t touched for more than a year and donated or sold about a third of our stuff. The sofa that fit in this home may not fit in the next.
but with a long distance move everything should be considered with an eye to replacement. and you provide additional protection to special things. Trucking Along If you are renting a truck make sure you reserve it for enough time to pack up. Label every box. Purchase some newssheets from the moving company since regular newspaper is dirty. swing sets. so call around first. Take out the trash! Friends of mine moved from New Jersey to California and took 3 weeks to travel during the move. They come in odd sizes that don’t pack well into a truck. Use your linens and towels to wrap fragile items. pantry staples and plants are expensive to move and are just as available in your new home. Toiletries. Imagine their surprise when they started opening boxes and found month old trash inside. Presented by MONEYNING. Shop around for deals on one-way fees and mileage. rugs. Pack heavy items like books in small boxes and light items in larger ones. and some bubble wrap from your local office supply warehouse for fragile items. but always check out the company with the Better Business Bureau before you sign a contract. The Nitty Gritty Many moving companies will sell you used boxes for a lot less than new ones. pianos. The moving company was told to move everything and they did. If you are moving locally they may be worth moving.There are things you need to get rid of because moving them costs more than buying new. move and unpack. Don’t use liquor store boxes and grocery store boxes if you can avoid them. that way you don’t have to pack them on their own.COM 56 .
You don’t want the extra fees. not an estimate. packing on your own saves a lot of money. and drive safely. In a long distance move they will just leave after a certain amount of time and store your stuff. Presented by MONEYNING.If you are hiring movers. Make sure you arrive first and are there to let the movers in.COM 57 . Hit the Road Nothing is left to do once everything is packed up but hit the road. Make sure you have an old phone book with you in case you need those numbers. That way you only pay for what you put on. Only work with reliable companies and insist upon a weigh in before and after they load your stuff. yours is not the only house packed on that truck and they have a schedule to keep.
Scratches Save Money If you are looking for new appliances but don’t mind a little scratch or damage. there is no need for a giant washing system even if they look awesome. Presented by MONEYNING. First figure out what you need. go ahead and make the repairs. but each category is graded individually. but if you live alone or have a small household. but has a much higher incidence of problems will cost you in the end. the machine should last for several more years.COM 58 . An extra large washer or fridge are tempting and exciting. Purchasing something that costs a few dollars less. and it won’t affect the way the appliance works. there are things you can do to save money on the purchase. Energy Star ratings are helpful in determining how much energy an appliance will use. so as long as the total cost is less than half the price of a new machine. Check Consumer Reviews Check out the consumer reviews before you head to the stores. a larger machine makes sense. you can often save quite a lot of money purchasing from the “scratch and dent” section of a store.6 Tips to Save Money when Purchasing Appliances Click Here to Read This Online You can save money on appliances both before and after the purchase. The damage is only cosmetic. Get only what you need If you determine that you really need to get a new appliance. If you have several children. Otherwise. If done properly. the money spent is pointless. Repairs on machines that are less than five years old are generally worthwhile. so it isn’t as helpful as you might think. The first thing to do is assess if you really need a new one in the first place. Get appliances that fit your lifestyle.
Make sure that all warranties still apply to either type of purchase. but comparable models in mind. You really don’t need the fanciest washer on the block to get your clothes clean. Holidays Means Discounts for Consumers If you must purchase a truly new appliance then it is time to start checking out sales and incentives. budget yourself and strike when you see the price you want for the appliance you need. you may be able to negotiate on price a bit. Appliances often go on sale in late fall. My wall and back will never be the same. New models start turning up and there is more incentive for stores to get rid of their old inventory. Unless you have several strong and willing friends.Another option is to request the floor model. but for a fraction of the cost. Don't Forget Delivery If you are able to pay cash. Do your homework. If you have ever had to haul a new front loading washing machine up the stairs. You can compare prices at different stores before you head out the door. Presented by MONEYNING. Know how much you are able to spend and have several different. Compare Store Ads It pays to get the Sunday papers at this point of the year if you are looking for new appliances. Outlets and single stores are much more flexible in pricing than chains. you will completely understand why. make sure you arrange for delivery and set up as well.COM 59 . this technique works best at the end of a model year. and you avoid the big super stores. Lower end appliances often work just as well as higher end models. just before Thanksgiving. Stores feel that people are ready to purchase just before the holidays in order to display a “spruced up” home to anticipated guests. There is no need to purchase appliances of any kind for full price.
We have the grandparents pay for them. even give them the subscription card you pulled out of a magazine to make life easy. As long as you return them on time.Pay Less for Books and Magazines Click Here to Read This Online Most people in this country have at least one subscription that they pay for regularly.COM 60 . That is when I order what I want. but as the book is read. Each of us gets a magazine we want and I don’t pay anything. People always ask you what you want as your birthday grows near. When it comes to books. they are free. it’s a waste of money to pay for a newspaper under the best of circumstances the news is fresher online. Ask for subscriptions you want. libraries are a great place to get books. There are many times throughout the year when this company doesn’t charge for shipping or upgrades to a faster shipping method free. Gifting I only get one magazine myself. be it a magazine or newspaper. or the holidays approach. they only need 30. Frankly. If you really read magazines. Libraries Believe it or not. Many libraries run small bookshops as well to sell off older editions and extra copies. Heck. but each of my three kids gets one too. When a popular author puts out a new book. Presented by MONEYNING. Even small. and I admit I don’t purchase many. dirt-cheap. I ask for gift cards to my favorite bookstore or the big A online. then you can still get them without spending a cent. a library system will order perhaps 100 copies. local papers have an online edition. so they sell off the rest.
you trade. newspapers and magazines just shouldn’t be a big-ticket item. So many things demand your money from day to day. if 10 people are each purchasing five books a year. The nicest thing about this arrangement is that I have read things I would never have thought to get myself because someone else was drawn in by it. This works well for books too. While you can’t take out the latest edition. you can check out any older versions. Face it. no one minds. I am part of a book-sharing circle. the stories are just as fascinating. I know someone must be purchasing a bunch of them. but think about it. Books. Viola. once you have read the magazine. If you really like a book and want to keep it. we get to read 50 books at a fraction of the price. I share my magazine with a friend and I know she passes it on as well. half priced subscriptions. National Geographic or People can wait a month if it saves you money. We just keep passing books between us.COM 61 . I don’t think I have spent more than $50 on books in years. of course I cheat because my parents get me mine for my birthday. but the idea is still valid. Presented by MONEYNING. Then. The deal is that each of you pays for one subscription. Sharing I love this one because you can get two magazines for the price of one and do something good for the environment.You can also find hundreds of magazines in most libraries.
If you are considering a plan for several users. Those contracts can add up to some very big bucks if you don’t shop carefully. not a lot of minutes. texting and minutes are all available in specific increments. How do you use your phone? Do you use your phone only in emergencies? Then paying for a monthly contract is foolish. you should consider some things so you can pick the plan that meets your needs. take some time to assess how the phone will be used. a pay as you go plan makes more sense. For example. Figuring out the Features you need Before you even look at available plans. I rarely text.Cutting Costs on Cell Phone Contracts Click Here to Read This Online The have become as ubiquitous as oversized jeans and MP3 players. If you have ever received a bill after using too many minutes or texts you know how expensive it becomes. If you can find a plan that allows you to roll over unused texts or minutes that is a great feature.COM 62 . the carrier worked with us to create the plan we needed. but my teen-ager texts about 10. and need to be constantly available? Then you need a plan with a lot of minutes and the freedom to use it anywhere at any time. but cell phones usually require a long term contract. than make sure you can vary the features by line. Is the phone for a teen? They need a lot of texting but generally. In our case my phone has a data plan and his unlimited texting. Assess your normal use and add 25% to ensure that you don’t exceed your limits.000 messages a month. I use the internet on my phone constantly. but he doesn’t use it at all. Do you use your phone as your business line. Presented by MONEYNING. Before you sign on the dotted line. Data.
Look at monthly fees. but you gain the convenience of staying within a budge and the freedom of not being locked into a contract. Frequently usage is a bit more than if you purchased a complete cell phone plan. Find the plan that best suits your needs and consider paying for part of the phone to shorten the contractual length by a year. if you want a particular phone you may have to do business with a specific company.Price things out Every company wants your money. but you only pay for what you use. Is Pay as You Go an Option? For kids with their first phone or people who just don’t use the phone often. taxes and the price of the phone. phone replacement fees and roaming expenses.COM 63 . Consider overage charges. In the end remember that they want your business. You get the security of a cell phone. To avoid overlap and competition many large carriers stock different phones intentionally. pay as you go is a great option. Run the numbers. and many of the large carriers will try to lock you in for two years in exchange for providing you with a cheap or free phone. The phones are relatively inexpensive and do just fine as basic cellular telephones. you don’t have to convince them to take your money. Presented by MONEYNING. saving $200 on a phone sounds great until you realize you are paying $20 more a month for the same plan you could have gotten elsewhere.
and I admit I don’t purchase many. or the holidays approach. libraries are a great place to get books. be it a magazine or newspaper. For magazines. Heck. For newspapers. We have the grandparents pay for them. I mean. even give them the subscription card you pulled out of a magazine to make life easier for them. When it comes to books. Libraries Believe it or not. Ask for subscriptions you want. can still be bought using creative ways for a cheaper cost.COM 64 . even if you really read them.Don’t Pay for Books and Magazines Click Here to Read This Online Most people in this country have at least one subscription that they pay for regularly. local papers have an online edition. so they sell off the rest. but as the book is read. People always asks what you want as your birthday grows near. even small. but each of my three kids get one too. Many libraries run small bookshops as well to sell off older editions and extra copies.com. Presented by MONEYNING. Gifting I only get one magazine myself. There are many times throughout the year when this company doesn’t charge for shipping or upgrades to a faster shipping method. When a popular author puts out a new book. It’s a waste of money under the best of circumstances because news is fresher online. Each of us get a magazine we want and it’s a good way to kill two birds with one stone since grandparents always want to buy our kids gifts. dirt-cheap. As long as you return them on time. I ask for gift cards to my favorite bookstore or from Amazon. they are free. a library system will order perhaps 100 copies. they only need 30. That is when I order what I want.
I am part of a book-sharing circle. you trade. The nicest thing about this arrangement is that I have read things I would never have thought to get myself because someone else was drawn in by it. The deal is that each of you pays for one subscription. we get to read 50 books at a fraction of the price. Face it. This works well for books too. Presented by MONEYNING.You can also find hundreds of magazines in most libraries. Books. newspapers and magazines just shouldn’t be among them. Then. If you really like a book and want to keep it. I share my magazine with a friend and I know she passes it on as well. if 10 people are each purchasing five books a year. no one minds. Viola. So many things demand your money daily. Of course I cheat because my parents get me mine for my birthday. you can check out any older versions. but think about it. half priced subscriptions. National Geographic or People can wait a month if it saves you money. I know someone must be purchasing a bunch of them. We just keep passing books between us. I don’t think I have spent more than $50 on books in years. While you can’t take out the latest edition. Sharing I love this one because you can get two magazines for the price of one and do something good for the environment.COM 65 . but the idea is still valid. once you have read the magazine. the stories are just as fascinating.
2. For those using electric heat. If changing them all seem like a huge cost. 4. A dryer takes a ton of electricity to run. Many dishwashers electrically heat water internally to a higher temperature and most dishes just don’t need it. Cutting Costs There are numerous ways you can cut costs with simple day-to-day actions too. With this plan. Dry your clothes on the line. Save the hot water for sheets and towels. Wash clothes and dishes with cold water. but the final expenses will be lower since you will be using less electricity over time. and this article will lay them out for you. The same is true for most of your clothes. they save a great deal of electricity. Use Local Resources Almost every utility company runs an energy savings program. Used appliances may seem cheaper. Presented by MONEYNING. make the switch gradually so it won’t feel so overwhelming.Saving Money on Electricity Click Here to Read This Online Winter is when utility bills head up for most people. They will send someone out to evaluate your energy usage and wastage and help you design a plan that will reduce your energy needs. 3. While these bulbs cost more up front. This is how generations of people dried their clothes before dryers were so popular.COM 66 . There are several easy ways to trim those sky-high electric bills of course. 1. saving on electricity will be critical. Start replacing your incandescent bulbs with compact fluorescent bulbs. and not using it may mean less shrinkage at the same time. but remember to replace them with ones that are at least semi-recent that is Energy Star qualified. as the weather gets colder. you might have to invest some money.
7. Consider using space heaters and only heat the room where people are. Shop Around If you are fortunate enough to live in an area where the utilities have been deregulated then call all the local companies and compare the rates.5. Open those curtains on the sunny side of your home and let the sun shine in. so at least you can plan your budget more easily. have filters that keep the circulating air clean. at least ask your utilities company about a budget plan. resulting in a greater energy drain. Drop the temperature at night and add a blanket or two to the bed. Use passive solar energy. Many will anticipate your usage for the year and have you pay a set amount each month. you can close the same drapes and reduce the load on your air conditioner. During the summer. and keep the daytime temperature lower while wearing a sweater. Turn off and unplug computer equipment and accessories. Finally. Clean the filters and keep up with maintenance. even window units. if you can’t avoid the expense.COM 67 . Heaters and air conditioners. Presented by MONEYNING. 8. When these filters are filled. once you have signed on. the unit has to work harder to pump air. so you want to avoid frequent changes. Removing them from the plug keeps them from drawing power. 6. Filters should be cleaned monthly. It isn’t unusual to have some up front costs when changing utility companies. Many such things drain power constantly. even while off. The sun can warm up an entire room very effectively without using a drop of electricity. Be wary of introductory rates that will change in a few months.
but once those kids start coming along. don't pay.Drop Pounds. Levels of Membership Before you sign on that dotted line. while others charge a single fee for access to all classes. will you use the gym enough to justify the expense? For example. whereas the city recreation centers are only $38. you will pay for it even if you don’t use it. and here are a few suggestions. you drop to $30 per month. It goes without saying that if you don't play. There are many ways you can cut back and still find a good gym for your workouts. a YMCA membership for a single individual in my neighborhood is $46. a gym membership can be expensive. If you drop the pool privileges.50 per month. Even if you do pick a full service gym. Only pay for what you need. you find yourself rethinking that sum of money. not Dollars with your Gym Memberships Click Here to Read This Online Everyone seems to have a gym membership these days. First. One local gym costs $9 per month if you only use the weights and cardio equipment.COM 68 . Presented by MONEYNING. When you are single. Some gyms charge for specific classes separately. especially if you opt for a full service institution. Whether you stick with the same place year after year or hop around. you might be able to justify spending $50 or even $100 per month on your membership. think seriously about whether or not you need that level of service. If the gym you choose has a pool. Other gyms have racquet sports that require an additional fee too. find out if they offer different packages. There are many factors here.
You don’t want to have to fight for a treadmill to use or wrestle over the weights. You may be tempted by all the shiny equipment and good intentions. they are not always a bad investment.When NOT to Buy Never buy a membership the first time you walk into a gym. This will give you a better idea of how the place operates. getting a certificate as a spinning teacher or personal trainer makes you a potential employee. Remember to visit at the times you would usually plan to attend to see how busy the facility gets.COM 69 . but you don’t have an accurate perception of the gym the second you walk in. The first few weeks of the year are when gyms are packed with people determined to live right. By March. For the same reason. One More Tip If you have any skills in teaching and exercise. Employees don’t pay to work out at the gym and they can often include a spouse or partner in their privilege. For example. few people are left and the gyms are much more interested in bargaining with you to boost their membership numbers. Ask for a free pass and try it out for a couple of weeks. you can sometimes translate them into free memberships. Don’t fall for New Year resolutions and purchase a membership in the first couple of months of the year. Check the crowds on the weekends and during the evening hours. Are Gym Memberships for Me? Though gym memberships are expensive. avoid the early summer since people are trying to get back into shape before the season starts. Gyms have little incentive to negotiate when the crowds are at the doors. The added benefits of improved fitness and a lower rate of health risks translate into even Presented by MONEYNING.
but you can read there. Consider online vendors before you look at full service vendors or campus stores. Check to see if the library keeps a few copies of the book on the shelves. If you run out of time or can’t find any other options. Make your own coffee. common class. as that $5 drink at the coffeehouse can be Presented by MONEYNING. oatmeal and coupons are your friends. Avoid eating out and shop the circulars. ask the college bookstore if they have a used book section. Book Bargains Never. You can usually get incredible discounts because other students need money to buy books for their next term. make sure you enjoy it too! Cutting Your Costs While in College Click Here to Read This Online College is one of the most expensive periods of your life. See if you can borrow the book from them.COM 70 . Ramen soup. The savings aren’t as large. you have it made. If the class you are taking is a repeating. there are many people don’t even think about. You may not be able to take them out.bigger savings down the road. but here are some other areas where you can trim the bill. But if you choose to pay for it. While there are obvious ways to save on costs while in college. Most publications aren't really helping either. ever purchase a new book before you consider other options. Frugal Food If your college doesn’t demand that you purchase a food plan. but it is still better than buying new. We talk about better ways to find financial aids. peanut butter. but what about good old fashion frugality? We all know that state schools are cheaper than private colleges and that starting with a two-year degree at a good community college is a great way to save. someone took it last term.
and remember that you don't need EVERYTHING. For the price of a beer. Go pot luck and BYOB.duplicated at home for mere pennies. Take food back to your dorm room with you if you can to save on meals that aren’t covered. Presented by MONEYNING. a full meal plan is great. Saving money is important. USE IT. you can watch your game with a bunch of other sports-crazed patrons. and everyone else can share the burden. but if you are a grab and go eater. then a cash card that lets you pick what you want is better. Don’t start your adult life in debt. Get a meal plan that suits your eating style. Cable television and high end TV’s aren’t likely to be in your budget. consider that you can catch most programs on your computer and the big game is showing at the sports bar down the road. and you will be surprised how much easier life could be. If you want a bigger party. Make sure you do get some fruits and veggies in that diet though. Before you shell out $50 or more a month. Saving money where you can while college is just plain smart. Entertainment on a budget College isn’t all about education after all. Stick to your budget.COM 71 . but staying healthy is a must! If you do have to get a food plan. have everyone chip in. The price of feeding and providing beer to a large crowd is more than any college student should spend. You provide the space and paper goods. If you eat three square meals a day at the table. Movie rental services are nice and cheap and again you can use your computer.
Check out the consumer rankings and pick one of the better soaps. I only use hot when I am washing sheets and towels. Sort. Pre-treat stains at least 30 minutes in advance of washing. so sort the clean from the dirty. on the other hand.COM 72 . Doing laundry is a regular endeavor for most people. but still get the job done right. These solutions help break Presented by MONEYNING. Fill you machine each time you use it. Here are some simple suggestions to help you cut costs. teenagers aside. While many people prefer to spend less money on detergent by purchasing store brands. but even they should be truly full before run. Jeans and blouses. Any brand of bleach is fine. Front loading machines use less water and power. we had school clothes and play clothes. it never seems to end. Better soaps translate into fewer re-washings. can surely be worn twice. with the convenience of a washing machine in every home we think we need to wash something just because it was worn. but the expense can eat into your budget. Today. Things like socks and underwear should be washed after every wear. they don’t need a trip through the machine each time. but bras can usually go a couple of days. Sweatshirts are usually worn over something else.Saving Money while Doing Laundry Click Here to Read This Online Some people have a love hate relationship with Laundry. When I grew up. and school clothes didn’t get washed much. barring hot weather or food stains. Fill and Chill Just because you wore something doesn’t necessarily mean it needs washing. some brands do a much better job than others. Use cold water whenever possible. On the one hand there is something very satisfying about looking at a pile of sweet smelling clothing all folded up and put away.
Keep the dryer for large items like sheets and towels. much cheaper and still effective.COM 73 . You can also try adding half a cup of white vinegar to your wash for improved softness. If you can.down oils so they wash out better. Drying Out Expenses Running an electric dryer is expensive and uses a lot of energy. if you really can’t stand the feel of air dried undies. The heat and abuse clothing takes in the process of being laundered accounts for a significant portion of their wear and tear. You can also try adding half a cup of white vinegar to your wash for improved softness. is the fact that they stay new looking for much longer. This makes for less ironing. Dryer sheets are pricey and you can make your own. The sun and air are free. by the way. The best thing about cold washing and air drying your clothes. By saving money while doing laundry. you also reduce the quantity of clothing you need to replace. and. Use plastic hangers to avoid rust and wood stains and hang up your shirts and pants. if you are the ironing type. incorporate a standard hanging pole in your laundry area. Pour liquid fabric softener into a spray bottle and spray 4-5 times on a damp piece of flannel or washcloth and toss it in with your clothes. Spend a few dollars to purchase a drying rack and hang dry most of your clothes. Presented by MONEYNING. toss them in as well.
Weatherproofing helps reduce waste and energy lost from the windows and doors. This may or may not be realistic.Budgeting to Save Money on Bills Click Here to Read This Online They turn up in the mailbox every month. to trim shelter costs you can move from a large home to a smaller home. demanding your attention and your money.COM 74 . The first thing is to cut services you don’t need and the second is to find ways to get the things you need. For example. and they cost a lot less than large cuts of meat. but carries some risks. • Ground turkey and beef provide plenty of good protein. but that ability is heavily dependant upon some factors. A sweatshirt is cheaper than heating a whole house to 67°. as do eggs. Changing to compact florescent bulbs and setting the thermostat lower in winter will save on gas and electricity. Presented by MONEYNING. Each can be trimmed. Redoing your landscaping with a focus on drought resistant plants and smaller plots of grass will save on money. cheaply. or even to an apartment. Food is one of those areas where relatively large cuts can be made with little effort. Taking in a college student as a tenant can help defray housing costs as well. power and shelter are all essentials. How to Trim Essentials Bills Food. • • • • • Power costs relate to what you pay on gas and electricity and in some areas water as well. You don’t have to survive on Ramen noodles either. If you want to save money on bills you need to approach the problem in two ways.
Cell phones are also luxuries. I don’t use the highest level of DSL.COM 75 . In that case you need more than basic service. reprioritize your spending and watch your bank balance grow. don’t try to fit your profile into a specific package. some of us use a cell phone exclusively. If you are in the professional world and feel that you must have the manicure and haircut. If you carry it for anything other than emergency calls. I know that we don’t really think of cable and Internet as luxuries any more. you are spending more than needed. you can get the same services performed by supervised students at a fraction of the cost. check out a local esthetician school. rather I settle for a slower speed that is still plenty fast since I don’t game online. having abandoned the land line. believe it or not. but shop around and find a plan that meets your usage profile. Clip coupons from your paper and find them online to save the most possible. Presented by MONEYNING. Be creative. Pedicures. manicures. fancy haircuts and gym memberships are all luxuries too. Now.• • Luxuries Plan your menu around the circulars for the week and cash in on the discounts. but they really are. Do you really need the level of service you currently have? I shut off my cable service nearly two years ago and we haven’t really missed it. Between the two items I save nearly $100 a month. Saving money on your bills is all a matter of viewing them in a new light.
Gone are the days of opening windows and putting up with the heat. This keeps the outside fans running smoothly. If you are purchasing a new unit. If you want to save some money and still enjoy your air conditioner. look for one that has a high seasonal energy efficiency rating (SEER) for maximum savings. Additionally. How to Save with a Central Air Conditioning Unit These big units are generally mounted outside on a concrete pad and are hooked up to the same duct work used by your heating system. so you can get away with a higher temperature and still feel comfortable. Presented by MONEYNING. Keep debris and greenery away from the unit. reducing wear and tear as well as optimizing efficiency. snow and other materials. use it even when the air conditioner is on. Window Mounted Units Contrary to popular opinion. Homes are usually built with central air incorporated unless you are fortunate enough to live in a cool and dry climate year round.COM 76 . If you have a fan in the room. The fan helps circulate air in the room. Cover the unit during the cold months to keep it free of leaves. moving air feels cooler than still air. A larger unit takes more energy to power. bigger is not always better when it comes to air conditioning.How to Cut Costs with Air Conditioning Click Here to Read This Online Having an air conditioner can significantly increase your utility costs during the summer. Figure out the square footage of the room before you purchase. but take into consideration higher than normal ceilings and the amount of sunlight that enters from windows. The slight increases in cost will more than pay for itself over a couple of years. cooling it more efficiently. here are some ideas.
Trees and bushes outside help keep the outside of the house cool. Use Foliage to Keep Heat Out Use drapes and greenery to reduce the amount of passive solar energy you need to combat.COM 77 . cleanliness is critical for maximum efficiency. For either type of unit. but with a little effort you can cut your cooling bill dramatically. Having an air conditioner and saving money may not seem possible. Clean them regularly to ensure good air flow. Drapes shut out sunlight during the hot months and can be opened in the cold months to reduce heating costs as well.General Suggestions to Save on Air Conditioning Costs Getting good equipment that is the right size for your room or home is the first step towards savings. The less the unit needs to cool the less energy used. Install a Whole House Fan Consider installing a whole house fan. With central air. it is only meant to cool a certain room so close the door to prevent overworking the air conditioner. Presented by MONEYNING. consider shutting vents and closing doors to rooms that don’t need cooling regularly. As the temperatures drop in the evening the house cools off nicely. In my home. I use the fan all summer long. Close Doors If you have a window-based unit. Filters can be found either at the front of a window unit or in the duct work of a central unit. reducing the heat inside. pulling cooler air up from the basement and generating a light breeze throughout the house. These fans do a terrific job of moving air through the house.
Time your Watering Correctly Watering during the height of the day is wasteful and bad for your plants. meaning you don’t have to replant. Each region in the country has plants that tolerate variations in annual rainfall better than others. so read on and save yourself some money.COM 78 . Watering early in the morning or late in the afternoon allows the water to dry. Check with your county extension office for suggestions and help. but reducing your water consumption can be done in a relatively painless fashion. these plants survived. Good xeriscaping groups plants with similar water needs together. Xeriscaping is the Way Xeriscaping describes a method of planting that uses predominantly drought tolerant plants and little grass. As more and more of this precious natural resource is taken up by large scale farming and manufacturing. the average citizen finds his water bill spiraling out of control. grass takes a tremendous amount of water.Don’t Pour Your Money Away on Your Water Bill Click Here to Read This Online The price of water is going up. It also minimizes open patches of lawn that require high levels of water to retain their green appearance. preventing disparities in watering levels once plants have been established. While in the States we are accustomed to seeing large lawns. minimizing the risk of developing molds on the grass and plants and reduces Presented by MONEYNING. The only effective way to cut costs here is to cut water usage. Grass in particular is easily damaged by the sun’s rays focusing through the drops left on the leaves. In years when watering is prohibited. Focusing your landscaping on such plants reduces the amount of watering you need to do.
consider replacing them. washing machine and garbage disposal use a lot of water. but together they can nearly halve your water consumption. Don't overlook this. Fix leaks in toilets. Even a slow drip adds up very quickly when left unchecked. it encourages deep rooting. None of us have money to waste. faucets and shower heads immediately. raising your costs. All these tips may not seem like much individually. Indoor Water Usage There are some appliances that waste a great deal of water. The dishwasher. You should also plan to water deeply a couple of times a week. Plants are more resilient and healthy when their roots are deep. If you can’t afford the expense. and water is clearly an essential item. You can get advice and supplies from your local hardware store on how to repair these basic problems. Also. A significant portion of water used on lawns is lost to evaporation. if you don’t have low flow shower heads or toilets. instead of shallowly many times a week. but there is no reason not to cut costs wherever you can. Presented by MONEYNING. Only run the dishwasher and washing machine when full.COM 79 .evaporation. place a gallon jug filled with water and sealed into each toilet tank where they won’t interfere with the toilet’s functioning. It will instantly reduce your water usage each time you flush. Lower water usage leads directly to lower water bills. Avoid using the garbage disposal at all and invest in a good compost bin instead. When water soaks deeply into the soil.
you shouldn’t be paying full price if you can avoid it. Almost every supermarket and grocery warehouse now offers discounted gas. However.COM 80 . but also elevations around big holiday weekends year round. Ensuring that your tires are properly inflated. the gas companies like to stick it to the driver by raising prices just when we are about to hit the road more. This translates to higher prices during the summer months in particular.10 or more are common. but so many of us do this so watch out!) Presented by MONEYNING. and that you stay within the speed limit all help reduce your fuel usages. When combined with other basic strategies you should see some significant savings. You might end up spending a lot more on groceries in order to save a few cents on gas. Once you hit a certain level of purchases each month. The benefit is usually offered just to the members of warehouse clubs. (Everyone knows this is obvious. How much you pay and how much you use is a variable dependent upon things like the time of year and how well you plan your excursions.Get Frugal on Gas to Save Cash All Year Long Click Here to Read This Online There is no way to avoid fueling up from time to time. You can't do much to prevent paying more during these times. Up front savings of $. and that is no bargain. but supermarkets offer a “savings card” to use whenever you shop at the store. No matter when you are traveling. Here are some more tips on a much needed topic: How do I save on gas and use less money? Seasonal Fluctuations and Full Priced Gas As we all know. Be wary of the supermarket deal though. fueling the car you want to drive over the weekend earlier in the week and using another vehicle can help a bit. your car is in good operating condition. you get your discount.
Scope Out Prices online There are a number of sites online that allow people to enter the price they saw at a gas station along the way. The nicest thing about these sites is that the prices are updated throughout the day, so you really do know what you are likely to be paying when you get there. Additionally, you can figure out if any of the stations lay along your intended line of travel, so you can take advantage of cheaper gas that may not normally be worth while. Plan Ahead It’s an oldie but goodie: plan your trips. Running out for every little errand is wasteful of time as well as fuel. Make a list of your errands and plot them out so you don’t travel over the same stretch repeatedly. For short trips, consider using a bicycle or walking rather than taking the car. Along the same lines, you should consider carpooling when you can. Commuting sucks up more gas than anything else most people do. While picking up your colleagues isn’t as convenient as driving on your own, your costs will be reduced significantly. Furthermore, you will get to know your coworkers more, which might even help you at work. Of course, some people opt to just buy an electric car instead of worrying about gas, but that is a rather expensive solution in the short term, and most people don't even keep the car long enough to break even. Stick to the basics, and you'd be surprised at how much money and gas you can save.
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Two Months Salary? Not on Engagement Rings
Click Here to Read This Online We have all seen the commercials, sappy and blurry, that declare two months of salary is the appropriate amount to spend on engagement rings. Are they nuts?! A much better investment of that money is called a down payment if you ask me. Fortunately, there are ways to get a beautiful engagement ring for much less and frankly, if your fiancé is demanding you spend that much on a ring, you may want to think things through a bit more. Save Money with an Heirlooms Engagement Ring Frankly, the best way to save money is not to spend it. If you have a family heirloom sitting around you may want to consider giving it to your bride instead of purchasing something new. If your fiancé is the sentimental type, getting an heirloom will be much more special to her than getting a new ring. On the other hand, with half of all marriages ending in divorce you need to realize you may not get the ring back if things go sour, just something to consider. Doing your research before you buy a ring Before you even step out the door to look at rings you need to do a bit of research. The four C’s of diamond buying are Cut, Color, Clarity and Carat. Cut refers to the shape of the stone, color its shade; clarity describes any inclusions and carat the size. Stones of the same size are not necessarily worth the same if their color or clarity varies. While a D color is considered the highest quality, a J is nearly as colorless and a lot less expensive. Since the stone will rest in a setting and is not an investment piece, pick a “darker” color and save yourself a bundle. The same is true for clarity; small inclusions may drop the value of a stone, but in a setting are rarely noticeable.
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Search for prices of loose stones online. Loose stones are easier to assess than mounted stones and you can customize the ring from every aspect. This also gives you a chance to price rings without pressure, but you are still better off going to the source when you buy. How to choose the diamond and setting If you are taking your sweetheart with you remember you won’t look cheap if you know your limits, you will look decisive. If you plan to shop alone, you avoid the problem all together. Determine just how much you are willing to spend before you walk in a store or you might find yourself spending more than you want, and avoid mall stores and chains like the plague. Ask to see unmounted stones so you can evaluate them clearly. Bring along a magnifying glass of at least 10x, that is the industry standard by the way. Ask for the cut you wish to see and evaluate each stone for clarity and color. Once you find your stone and price it, you know how much you can spend on your setting. Settings can run the gamut from a traditional, simple one stone ring to modern diamond encrusted bands. Consider your beloved’s taste when purchasing and stick to your budget. Save money by paying cash Since many small stores need to pay commission on credit card purchases, ask if you can get a discount for paying in cash or check. You may be able to save a percent or two, not an insignificant amount on such a large purchase. Never go into debt to purchase this ring, it is expensive enough with out interest. In the end, this ring is a symbol of your love, not an opportunity to show off.
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Don’t Spend the Farm on Entertainment
Click Here to Read This Online Whether you choose to entertain inside your home or out, there is no reason to exceed your budget. There are many wonderful ways to enjoy good entertainment that don’t require you spending a fortune. Even a formal dinner party can be managed with aplomb and a limited amount of cash, as I'm sure you know. Why spend more and not get more? Entertaining for the Holidays With the holidays always around the corner, we are all bracing for additional expenses, but truly traditional foods just aren’t that expensive if you know how to shop. For example, when it's close to Thanksgiving time: • • • • Turkeys for Thanksgiving and Christmas are on sale, so buy two. Find a store that offers a free turkey when you purchase a certain amount of groceries, and cut that expense completely. Make your own side dishes like mashed potatoes and gravy or green beans. They are cheaper and tastier than any you would find at the store. Stick to generic products wherever possible and spend your money on the wine if you must. Another wonderful and inexpensive way to entertain is to arrange a pot luck and gift swap. Randomly hand out names so everyone will get a gift, set a limit on what each person spends. Then, have everyone drop in one afternoon a couple of weeks before the big day and bring a dish as well. No one spends too much but a great afternoon is guaranteed. All you have to do is prepare paper goods and mull some cider. Out on the Town
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Don’t buy microwave popcorn but make your own. Many places. unlike bigger.If you find yourself in the position of having to entertain out. well established restaurants. it isn’t the price tag that makes entertaining great. plan ahead. The conversation and laughter will more than make up for a limited budget. and dress rehearsals are often watchable for even less. Remember. get them from the public library free. Don't forget those either. Other Entertainment Tips Even if you are just planning on your own entertainment. matinees are cheaper than evening shows. Presented by MONEYNING. If you plan to have a bar. • There is no time that isn’t good for potluck. call them well in advance and see what you can work out. the same holds true of the theater or ballet. you can cut costs with some forethought. They will be thrilled to have your business and will work on price with you. you may need to reserve several weeks in advance.COM 85 . Sometimes the best restaurants are the hidden gems. like a wholesale warehouse. It is healthier and actually more convenient. Couple simple points to remember: • • • Lunch is always cheaper than dinner Finger foods are less expensive than a sit down meal. If you guarantee a certain number of people and pay beforehand. Invite your friends. sell movie tickets for at a discounted price. With so many companies arranging holiday parties. • • • Rather than renting movies. and the opportunity to get together with people you truly enjoy makes an evening memorable. If you know of such a prize. the savings are substantial. If you must go to the movies. pull out some good board games and make an evening of it. it is the people. make it a pay bar or give a certain number of tickets to each attendee and let them pay beyond that.
which is the best place to compare rates. Many insurance companies will provide coverage in a rental car. can be expensive. Fill the Tank and Save Money Before you rent a car. Presented by MONEYNING. It doesn’t cover gas. but once you tack on extras. you pay a surcharge. insurances or the surcharges that are common for renters under the age of 25. or their own car is in the shop and a rental becomes a necessity. The Not-So-Complete Daily Rate When you go online. meaning you don’t have to take the overpriced version for the rental. If you have looked at prices lately you know that getting a car. as long as you pay double the going rate on fuel. Either way.COM 86 . Didn’t have time to fill the tank before turning in the car? No problem. That rate includes nothing but the car and in some cases. Whether it is because they are on vacation and need a set of wheels. you find that cars are advertised by the daily rate. the credit card company might. By the time you finish adding it all up the total is much higher than you expected. Want to pick up the car at one location and return it at another? Cha-ching. call your insurance provider and credit card company. you save money. just about everyone ends up needing to rent a car. If your insurance company doesn’t cover it. mileage. Advertisements may imply that you can rent something for $19 a day. Cars rented from the airport often have an additional surcharge. the price skyrockets.How to Save on Rental Cars Click Here to Read This Online Sooner or later. Decline Additional Coverage. even for a short period.
unless you like to spend for no reason. the credit card company and even your automotive club if they offer coupons to use with car rental agency. The catch? You have to pay for one full tank of gas. The smaller the car. Some companies started offering gas at a very similar. In either case. You may be able to get a day free on a longer rental. Also consider checking with your insurance carrier. Presented by MONEYNING. you save money. Using the company website can save you money if you hit a sale that isn’t shared elsewhere. The other way smaller cars save you money is from gas. If you find when you arrive that you just can’t get comfortable in the car you picked most companies are happy to upgrade you to a better fit. Also avoid “specialty” cars like convertibles and SUVs. You can frequently find gas stations near the rental location and as long as you drive less than 10 miles you should be fine.Fill the car before you return it to the rental office. or sometimes even a slightly lower than outside rate. Never ever get gas from the rental car company if cost is at all your concern Economy Cars Cost Less to Rent Pick the smallest car you can get away with. The price charged by most rental companies is at least double the going rate. so it just isn’t worth while forgetting. or upgrade at no charge. Stick to economy cars. They just cost and you still have to wait for the red light. Shop Around and Use Promotions Don’t just go to one of the wholesale websites when searching for a car rental. but when you need to rent a vehicle there is no reason to pay top dollar. Even “small” cars made today are fairly roomy and almost everyone can fit inside. the better gas mileage it usually gets.COM 87 . The larger the car the more you pay. Car rental can be a bit of a hassle.
performance tires or ultra performance models. Then pick the best choice. Other common offers include free mounting and balancing.COM 88 . can be very expensive. Know What You Want When you head out to purchase a tire you need to know which type you desire as well as the size. as long as the circumference remains the same. consider going down a size if possible. b or c. but also the price of getting the tires on your car. so you can take advantage of sales and promotions. Start looking early. especially those for some of the newer all wheel drive models. as even relatively small variances in wear on the tread will affect drivability.How to Save Money on Tires Click Here to Read This Online You can’t drive your car if it doesn’t have tires. or road hazard insurance. If your car demands a fairly expensive tire. Determine if you want regular tires. that will double your cost. Compare not just the tire prices. It is possible to buy a smaller tire than originally intended for your car. Many tire shops offer a “free” tire with the purchase of three. since the speedometer is set according to the original tires. If you require snow tires as well as three-season models. If your car is an all-wheel drive. Don’t wait until the last minute to go tire-shopping. Presented by MONEYNING. Performance tires usually provide better handling and maneuverability at higher speeds. there are no differences whether you get it from shop a. but have shorter wear warranties. you will need to replace all four tires at once. What is a car owner to do? The simple answer is to play the system. Shop Around While every brand is different. but pieces of rubber.
odd tread wear patterns and any damage to the sidewalls.Things To Look For One of the first things you want to check. As long as you stick to one of the better-known tires. This means keeping them at the proper tire pressure. but dishonest shops. Brands. will try to slip a cheaper set of tires on your car for a higher price. obvious nails or screws penetrating the tread. Once you have paid several hundred dollars for a set of tires.COM 89 . you should do fine. Because rubber naturally breaks down. The last four digits in the required DOT number determine the week and year a tire was manufactured. if the last four digits were 2610.000 miles and visually inspecting them at least once a month. Protection and Maintenance All of the top tire manufacturers that sell tires in the States are fairly reputable. Do some research regarding your needs. the best thing you can do to save money is to take good care of them. For example. and the information is coded. then the tire was manufactured in the 26th week of 2010. although they all have a bit of a niche where they specialize. rotating them every 6. Double check to see that the tires you paid for are the tires you got. Presented by MONEYNING. In the end. once the size and style have been determined is the age of the tire. You are searching for bulges. the most likely place you will save money on tires is after the purchase itself. Honest errors occur. and these are usually smaller shops. Properly inflated tires reduce drag and improve your gas mileage dramatically. A good set of tires that are well maintained will save you money at the pump. you want to avoid getting a set of tires that is more than a couple of years old. Continental is well known for light truck tires and Michelin for long tread life. All tires must list when they were made.
Which one you choose is really a matter of personal preference. a calculator and a slide rule as well as a bagful of receipts. Avoid Seasonal Tax Prep Offices Each year numerous companies suddenly offer Tax Preparation services. you can find several excellent Tax Prep software products at many brick and mortar stores. Frankly. Today. Another nice feature is the flexibility to walk away and get back to things at a later date. That means that you want to save as much money in the preparation process as possible.COM 90 . without bending the law. Do-It-Yourself Gone are the days when someone filing taxes would sit down with a pencil. sending in your tax forms each year is a requirement for those who have earned enough. They charge you to use the same kind of software you could purchase yourself for less money.How to Save Money on Filing Taxes Click Here to Read This Online There is nothing pleasant about filing taxes. These programs will walk you through the process of filling your tax forms and optimize any and all deductions for which you qualify. take a couple of days and sort your own stuff. but after you try one or two you will know what works best for you. Why pay someone else $300 to do the same thing you could accomplish with $80 of software? Barter for Services Presented by MONEYNING. if you want to go at it alone. The only difference is that they organize your bills rather than you doing so. which is essentially the same as a program you install on your computer. Whether you are a believer in the current system of government assistance or not. You can also use online versions.
and I have a CPA friend. you still need to send in every dollar that you think you will owe. Presented by MONEYNING. so it just isn’t worthwhile. not that of the IRS. it is possible to pay them properly while saving money on filing taxes. Make sure you hold onto a copy of your Federal and State files. Don’t Miss your Deadlines If preparing your taxes by the deadline isn’t possible.COM 91 . you want to be very careful.If you have a friend or acquaintance who is a CPA. Staying on top of this is your job. If you need to be late. He often gives the massages as gift certificates to his wife as birthday gifts. am a massage therapist. You can surely find a service you can use in barter. You can send them electronically at no charge through the Federal IRS website. Be Old Fashioned Filing electronically is faster and you save money on stamps. Each year I offer him two massages to prepare my business taxes. If you miss your date you will end up paying fines as well as interest. for example. and I get my taxes done by a professional. If you don't watch out you will be hit with a bunch of fees and it would have been cheaper to file the old fashion way. Don't forget that while you can file an extension for your return. you cannot be late with any amount that you owe the IRS. It’s a great set up. offer to trade services with them. and then don’t forget to send them on the revised date. While giving the government your money may not be your favorite activity in the world. I. However. make sure you send in an extension request.
so why do you need to? The more worn or written in the book is. others see it as a benefit.COM 92 . They don’t have to read everything as closely and just focus on the highlighted material.Be Smart with Textbooks and Save Some Money Click Here to Read This Online College is ridiculously expensive no matter what you do. Even your professor isn't using a new one. Beg. but it takes a bit more planning than just stopping by the college bookstore. it is time to start searching. Many professors place a few copies of their requested reading material on hold at the library so that students can read the material without purchasing the books. getting a new book is a phenomenal waste. If you don’t have that option. One of the best places to save money is textbooks. Even the bookstore at your school will purchase back books that will be reused the following year and offer them at a significant discount. Presented by MONEYNING. Borrow or get it cheap Once you pick up your required reading list at the bookstore. Think about it. If you know someone who took the course in the previous semester. the greater the discount. ask to borrow his or her book. especially for a higher level class can run over the hundred dollar mark. For some. An average textbook. check the library. Unless you are purchasing a book that you want to add to a professional library. Cutting costs wherever possible is essential if you are to end your years in school without crippling yourself with debt. Don’t Buy New The most expensive textbook to purchase is a new one. and most classes require more than one. Saving money on these books is easy. ignoring other highlighters is difficult.
Others will be more honest and let you know which books are strictly for reference or won’t be used often. Next term. which you will only touch once. not spending the time will cost you big money. If all these strategies fail you because you didn’t leave yourself enough time to work your way through the options. Free-cycling websites often list common. Presented by MONEYNING. but in this case. bite the bullet and invest only in the books you need. Time is money. you can get your books free from time to time. You just have to make sure that the books will arrive on time. Talk to the Professor Some professors will swear that you will need to read every book they assign. there aren’t too many books available. you can generally find texts that no longer have copyright concerns. Making a copy of a chapter you need is cheaper than investing in an entire tome. you can save the expense associated with purchasing a $50 book. By only purchasing the books you need most. Free Options While not as reliable as discounted options. There are a number of student owned and directed websites that facilitate students moving textbooks around from one to the other for the price of shipping. textbooks that are available for the price of the gas it takes to pick them up. and not so common. but the sites should expand. Online bookstores sell just about everything for a lot less.Another choice is to go online and check out the prices with dealers of used textbooks.COM 93 . remember to start your search earlier. At this time. For now. There are plans in place to start an ebook website specifically for textbooks.
Cable is less influenced by weather patterns but even with that potential advantage. but you won’t have the “benefit” of premium service. Of course.COM 94 . and you do have that all-important HDTV. you won’t be paying anything other than the original set up expense of purchasing that antenna either. Presented by MONEYNING. so let’s look at ways you can cut your bill. satellite based transmission is considerably more reliable. Basic service isn’t too prohibitive and should be plenty for most households. public television and a few other selections. Consider an Antenna If you are not a huge watcher. for most families this solution seems radical. They both offer a ridiculous number of channels dependent upon how much you are willing to pay.TV Service Doesn’t Have to Be Expensive Click Here to Read This Online I’d be lying if I told you that I think TV is an essential expense. In this case. Choose whichever option gives you the channels you want for the best price. This means taking a look at the channel list and based your decision on your own situation. In my household. Cable or Dish It really doesn’t matter if you chose to use cable service or dish service. we cut the cable almost two years ago. you can get local channels by using an antenna. Still. Yes. it is old fashioned. For example. you will want to pick the satellite provider even though you get fewer channels. You will still be able to get the news. without abandoning your service. but it works just fine. and after the initial whining the kids figured out how to entertain themselves just fine. the satellite provider may provide 150 channels of which you watch eight and costs $20 per month while the cable provider offers 200 channels where you watch the same eight at a price of $25.
Presented by MONEYNING. many phone companies now offer internet and cable along with the land line service.Combine and Eliminate Services to Cut Costs Once you have figured out which service is the best for you. especially if you rent it on a monthly basis. price wise. free of charge. Several websites offer episodes of the most popular shows. at least for some period. added up over the year. It is just incredible how high that bill will jump if you miss by even one day. is significant. Consider removing any DVR you got. but frankly. For example. We all know that we spend too much time in front of the TV and the cost. Your VCR will do just fine for recording missed shows. enroll in the most basic plan possible. Bundling often gets you a discount. cutting back is a great way to save money. Consider watching programs online instead of on TV. If your favorite show doesn’t appear on your new broadcast arrangement. Try to bundle services. If you sign up during a promotion period and get some premium channel free initially. Granted you have few channels to surf. mark on your calendar to terminate those services a day before they run out. like I did. Get rid of extra receivers by returning them to the local office. and still lets you have your fun.COM 95 . If you can’t imagine cutting the cord with TV completely. Calculate your savings and decide if it is worthwhile switching to that company rather than staying with the one you currently use. the savings are more than worthwhile. you may be able to pick it up this way.
I used to be married to a man who would only accept a specific. If you can read the newspaper through the product you are not going to get good absorption. I had grown up with a much cheaper brand and was astonished at not only the price. The savings over the course of the year can be significant in a larger household. barely absorbent and fall apart (oh no!) just when you want them to stay together. Generic is just as Good. Whether they are two-ply or four. It may take a while. any good quality paper will do the job well. For a product you use to wipe your bum. premium brand of toilet paper. sometimes It is undeniable that many generic brands are cheaper because they are frankly not worth the money. Unfortunately the only way to find out just how good a toilet paper product is is to purchase it and try it out. but you will find a product that feels good and works well. try it out in the bathroom. Most stores will refund your purchase. Unroll a few sheets and crumple it up or fold it in the manner you would when using the product. Otherwise return it to the store and ask for your money back. For this purpose a simple four pack is your best choice. All in all. If it still feels comfortable. but are still worth while in a small one.COM 96 . so let’s look at some ways to cut costs in the bathroom. it can generate quite an emotional bond. Toilet paper should be relatively soft to the touch and feel sturdy as well as substantial.Wipe Out Excessive Spending On Toilet Paper Click Here to Read This Online It amazes me just how many people have strong loyalties to toilet paper brands. but also at how thick this new brand felt. they are thin. Buy in Bulk or on Sale Presented by MONEYNING.
Teach your children. Presented by MONEYNING.COM 97 . If you can get the coupon multiplied. The price is significantly less than that of the premium brands they sell along side. Toilet paper coupons are common. spouse and housemates to use less toilet paper. The two big warehouses each have a decent generic toilet paper brand. stock up. It was truly frightening how much toilet paper she wasted. With a decent product a “basic” wipe takes about four sheets. Purchase when the brand is on sale and really score big. Folding paper rather than scrunching it up makes it more effective as well. it is even better. Just Use Less In college I had a roommate who could use half a roll of paper at a sitting. but that is pretty true of most papers. More “business” will clearly need more paper. Between the price of a generic product. better shopping habits and using less. the savings will really add up. especially in light of the fact that toilet paper was one of those equally shared expenses. consider purchasing their house brand.If you have a membership at one of the popular warehouse clubs. You may need to wipe twice to feel clean. Once a sale is announced. or at least more wipes.
While gasoline prices have dropped in comparison to the summer of 2008. My mother works in NYC and lives about five miles away.COM 98 . Car Pool Almost as unpopular as public transportation is the idea of car-pooling. fueling up your car is still an expensive proposition. you really should be using public transportation. she doesn’t pay for the ride. Not only does the bridge toll drop from $8 to $2. If she drove herself and couldn’t use the HOV lane. Public Transportation If you commute every day to a workplace in another city. Presented by MONEYNING. we need to find other methods to save money while still getting around. but it has some hidden benefits.Save Some Money on Transportation Click Here to Read This Online The amount of money we spend on transportation is incredible. it would be at least twice. but the commute time drops to 30-45 minutes too. An additional benefit. When you compare the amount of money you spend on gas to a bus pass. if not three times as long. Since the United States driver hasn’t figured out that a smaller car uses less gas. you can work or sleep while commuting. Since she provides the parking space free of charge. she has a coveted parking space. That means she has to get across the infamous George Washington Bridge during rush hour in the morning. As she has been in her job for nearly 40 years. Every morning she gets a ride with three other people. essentially commuting for free. which makes her very desirable as a car pool mate. Many cities have reliable bus and light rail service from the suburbs as well. the savings are incredible.
Wait until you have several errands to run before heading out. you will spend several hundred dollars more to fuel a less efficient vehicle over the course of a year. so you don’t double back more than necessary. For most of us. Simple things like changing the oil every 5000 miles. First. plan your driving out well.Saving Money on Car Ownership Click Here to Read This Online (Coming Soon) Transportation goes beyond just getting from point A to point B. Keeping your car well maintained reduces repair costs and ensures that it continues to run for years. but it still doesn't have to be expensive. While the difference between 18 MPG and 25 MPG doesn’t seem tremendous at first. eliminating the need for a replacement. and you can find many late model cars with low mileage available for purchase. While scooters are very popular now. consider your insurance policy. The price of a car drops significantly once it has driven off the lot.COM 99 . Next. Consider getting a fairly recent used car model. Think your driving route out beforehand. keeping tires inflated and aligned and cleaning the car inside and out will add years to a car’s lifespan. Additional Savings Other simple saving strategies include cutting back on car ownership expenses. it involves owning a vehicle of some sort. removing collision and comprehensive insurance on an older vehicle and bundling your policies all help save money. they aren’t much good in bad weather. Raising your deductible. Purchasing a car is an almost inevitable part of American life. Presented by MONEYNING. Look for a fuel-efficient car and maintain it well. wasting fuel.
you'll be saving a bundle and enjoying life much more.COM 100 .Finally. but there is no reason that transportation should be any more expensive than necessary. We all need to get around. Presented by MONEYNING. With a few small changes. use one of the many online gas pricing websites to find where fuel costs the least in your neighborhood.
Whatever the reason. and more than a year later they players are doing just fine.Finding the Best Deals When Buying Electronics Click Here to Read This Online The holiday season is just around the corner and the year has been difficult for electronic retailers. With many companies offering free shipping to long distance customers. If you are shipping your item from out of state. you need to buy now. it is the best way to comparison shop without leaving the house. People are putting off buying electronics knowing that come Thanksgiving the prices are going to drop like a rock to entice us to part with our money. the item is returned. you also avoid paying tax. many stores offer larger discounts online than in the store. for some reason. I admit I got all the MP3 players my family uses from the refurbished rack. Once repaired. Refurbished or Open These two gems are not tapped often enough. Perhaps someone measured incorrectly or made a large purchase without consulting their spouse. No one has complained. which can be 10% of the total price of an item. Open box items are often returned to the store in perfect working order.COM 101 . If. Additionally. the product goes back on sale for a significant discount. Go Online Not only is the internet a great place to find reviews of specific items. I saved 40% over the price of the same toy when purchased new. Items that were originally purchased and had some minor manufacturing defect return to their parent companies for repair. be relieved that there are some great ways to get your electronics for less even without the holiday season sales. the appeal of not having to drag a huge box out to your car is clear. often unused to the store and rather than return it to inventory the store now offers a significant discount to have you Presented by MONEYNING.
COM 102 . Between rebates. The worst that can happen is they say no and you move on. Today. Presented by MONEYNING. Avoid the Extras Extended warranties and service plans will add costs with remarkable rapidity. coupons. refurbs. Heading to a Store Be prepared to negotiate if you do decide to head to a real bricks and mortar store. If you do your research and check out reviews on consumer information sites you will know before you start your search which items ranked best. Gone are the days when a price was quoted and you either took it or left. if you are polite. Patience is crucial to finding a good price on the item you want. you can at least ask for a discount. Remember. evaluated by unbiased sources will help you save money in the long run when it comes to repairs or replacement. you can find just about anything at a range that will match your budget.take it off their floor. retailers need to get models off the shelves if they are going to have a happy holiday season and that gives you a bargaining chip. The item will have the same guarantee and warranties that any other new product carries. and comparison shopping. Picking for well regarded items. There is simply no reason for anyone to pay the full retail price of any electronic item anymore.
If anything is going in your walls. Figure out your budget in advance. Check them out with the Better Business Bureau as well. then add 10% minimum to deal with the unexpected. sketch it out. and other areas where you should plan to spend more to ensure a good result. A contractor understands that you are working on a budget. ask where you can cut expenses. If the job comes in at a higher price than you expected. Remember. Picking the Contractor This is one of those places where cheaper isn’t better. Taking apart a wall because the water pipe or valve is leaking is an expensive proposition. and present it to the contractor when you first meet. figure out exactly what you want to accomplish. the things that are most popular or high end will cost the most. Show any unusual elements you want incorporated. Pick materials you want by visiting home improvement stores and specialty stores. just Presented by MONEYNING. Ask for an estimate on price for the job you planned. Avoid any contractor with a history of similar complaints. If you have any unusual elements you want to include in your design. preferably with measurements. Make Complete Plans Before you start calling around to price contractors. There are places where you can save money without compromising quality. This is an area where you can compromise and select something just as lovely for a lot less money. and set up your financing.Remodeling Your Home and Not Your Bank Account Click Here to Read This Online (Coming Soon) Remodeling your home is an often held dream. You can turn that dream into reality without going bankrupt if you make a few wise decisions. Recommendations and referrals are your best source for finding a good contractor. pick the best.COM 103 .
like he is. creativity. Who Purchases What? Sometimes you will hear people say that they opted to purchase their own supplies when engaged in a home remodeling. They are in the best position to tell you what elements you can sacrifice without impacting the whole project.COM 104 . Under just about every circumstance. and a great deal of patience. this is a poor choice because your contractor will have usually have access to the best prices. It takes time. Renovating your home is a messy. Presented by MONEYNING. and accept that as long as work is ongoing you will have a mess in your home. but always compare with your contractor to see who has found the best deal. high end item it may pay to price things on your own. If you are purchasing an unusual. often expensive process. and something almost always does in renovations. Make sure you have a good timeline from your contractor. In the end. even if you don’t recoup all the costs when selling the home. work with someone you trust. While it may seem like a lot of money. it really is just a fraction of the total price and it can save you loads of money if things go wrong. you will have the home you wanted for as long as you live in it. This is one area where you don’t want to skimp. Contract Confidence Make sure you hire a contract lawyer to check and recheck your contract before you sign on the dotted line.
Landscaping for Less Click Here to Read This Online The best way to save money with landscaping is to invest some sweat equity in the project. Contact your city and find out if they have either available before you spend your money. is a great time to pick up trees and shrubs. While the thought of moving your own trees around the yard may be intimidating. a little know how will go a long way. Organize any beds you want and select plants with similar growing needs to be placed next to one another. especially for new developments. Purchasing in the late fall. Shop around for the plants you want and if you can negotiate a bulk discount. You can often get some great bargains with a little effort. before the soil hardens.COM 105 . Plan Ahead Steps like improving poor soil or arranging good drainage are best done before you put in new plants. Doing it yourself will save you money and give you a general feeling of satisfaction. Nurseries are trying to get rid of their inventory before the cold weather causes everything to go dormant or gets damaged while out of the ground. Having your sprinkler system in place to match the design you want will save you money as well as hassle. but get permission first. Look for Free or Cheap Supplies Many cities offer free mulch and trees as part of their beautification plans. Just make sure you get the plants in the ground quickly. get them at one location so you save on delivery fees. Evaluate your yard and draw out a plan of where you want to place each bush and tree. You can get bricks and lumber from construction sites if an old house is being torn down. Presented by MONEYNING.
I plant them once and they come up over and over again each year. Break It Up Plan to complete your project in phases. Watering takes a great deal of water. without breaking the bank.COM 106 . Even a small scale landscaping project can cost over $1000. Presented by MONEYNING. weeding. Pick a section of your yard to work on each year and soon you will have the yard you always dreamed of. fertilizing. which raises your expenses. it lets you see how you like your changes gradually. keep an area of the yard grassy for that play structure and games of tag. If you have young children that play outdoors. especially in dry climates. beyond that think flower beds. Not only does this mean you can do the work as you can afford it. and the prices will just go up the more work you do. By grouping together bulbs that bloomed at different times with differing heights I had an endless supply of color all around my home. Big home improvement stores generally have great bulb selections in the fall and spring. and trimming all take time and effort better spent playing with your kids or just relaxing. Mowing. Minimize your Lawn Not only is lawn labor intensive once planted. it is expensive to maintain.Get the Most Bang for Your Buck I love bulbs. rock gardens and paths. In my first home I planted about $20 worth of bulbs each fall and by the time I left the house ten years later I had hundreds of bulbs planted in bed around the yard.
you can save 30% on your insurance premiums. insurance companies will almost always match any legitimate offers you find. Presented by MONEYNING. I know that there are many advertisements trying to entice you to change companies. By increasing your deductible from $200 to $500 dollars.COM 107 . you may be able to get a low-mileage deduction. Car insurance is mandatory in all states. in my book that is no savings. homeowners insurance is required if you carry a mortgage. Also. Shop around and do it early. but before you do that.Saving Money on Any Insurance Click Here to Read This Online There are some forms of insurance you just can’t live without. Teen drivers usually get a discount for good grades or certain types of driver’s education programs. or your job is just a couple of miles from home. Some companies offer lower deductibles for each year you go without having a claim. With rising costs hitting all of these necessary protections. you may as well shop around to find the best deal. Frequently companies "save" you money by providing lesser coverage. and any parent will tell you that medical insurance is crucial. Make sure to set aside the money needed if you do have an accident and need to produce the higher premium. Car Insurance Since you have absolutely no choice about having car insurance. consult your insurance agent when purchasing a new car so you know in advance which ones cost less to insure. so make sure you ask that because it could save you money long term. The quickest and easiest way to drop those premiums is to raise your deductible. compare what you are getting right now to what they are offering. Ask about discounts. it pays to make the most of every dollar. If you don’t drive much.
and if you can get insurance through work. so bundle your car and homeowners insurance to save some money. so check your policy to make sure you are insuring only what you need. even with the complicated wording of many policies. Again. take advantage of medical savings accounts that let you put aside money to pay for medical expenses. Before you raise your hands in frustration and walk away. The key is to comparison shop often so you always get the best discounts. Many States now offer basic health insurance based upon income levels. This common mistake costs many people money. See what kinds of plans your company offers.Homeowners Insurance Just like auto insurance. Improving your home’s security and disaster resistance will generally garner you some deductions as well. Presented by MONEYNING. Another thing to consider is staying with a company for the long haul since many offer loyalty discounts. Compare the plans and make sure you are comparing apples to apples. Also. Many companies will offer discounts to customers who purchase multiple policies with them. just the building. Medical Insurance Many people simply can’t afford private medical insurance. Keeping on top of your insurance costs and options will save you money immediately and in the long run.COM 108 . Only insure your home. call your state offices and ask if you can get insurance that way. not the land for replacement costs in case of disaster. so even something is better than nothing. consider that a major medical bill will bankrupt your family. increasing your deductible will decrease your premiums. raising your deductible will help if you have insurance but are struggling to pay for it. You won’t have to replace the land. tax free.
If you have a pet in need of regular medications purchasing them from a website and administering them yourself can save you big bucks. but once you bonded to that animal it is hard to say no. A dog that spend a lot of time running in the woods will need a Lyme disease vaccine. Additionally. Be Selective on Vaccines Not all dogs or cats need the same vaccines. Though with a little work you can save money on those necessary expenses and still provide your pet with excellent care. you generally won’t have to worry about much in the way of medical expenses other than regular vaccines.Finding Ways to Save for Veterinary Care Click Here to Read This Online Your pet is very important to you. Get a Pet from the Shelter Getting a pet from the shelter means you will get a pet with their vaccines current. one that stays indoors or goes on a walk around the block won’t. affordable care.COM 109 . Ask your vet to teach you how to give necessary injections. If you choose a middle-aged pet. Purchase Meds Online Many pet medications can be found online and in bulk. if they are reluctant you should probably change vets since this one is more interested in making money than providing good. spaying complete and a recent medical exam. If you only own one cat at a time and it never gets outdoors then it doesn’t really need a vaccine for feline leukemia or FIV. the expenses for both young and elderly pets are rising. These days. Some Humane Societies offer low price clinics for vaccination and spay or neutering. Presented by MONEYNING. so it is worth picking up the phone and asking when it is happening. you can negotiate with your vet on prices and you can even comparison shop with others. but the bills are killing your budget.
Once you have committed to a pet you are generally looking at ten years or more of care and expense. that way it won’t hit your budget so hard. Of course. In this economy we all have to find ways to save. Applying topical medicines and keeping your pet pest free will pay off through lower maintenance costs and fewer vet visits. Presented by MONEYNING. Shop with coupons that are almost always available at the company websites. affection and "fluff therapy" in spades. that is repaid by love. Usually dependent upon the size and breed of your animal. Consider Pet Insurance If you purchase pet insurance for your friend. with a little effort of course. Invest in Good Food Just because a food costs a lot of money doesn’t mean it is a healthy choice for your dog. you will likely save money in the long run. pet insurance policies run the gamut from basic care to platinum coverage. Getting good. Talk to your vet about lower cost alternatives that will provide your pet with good nutrition without killing your budget. nutritious food will help prevent many problems animals face as the years go by.Even basic medications like those for heartworm or fleas and ticks can be found online for less money than you would pay at a store or at the vets. If you don’t have pet insurance consider putting a few dollars aside each month in a special fund just to take care of pet emergencies. For a few dollars a month you gain the security of knowing that in a serious situation your pet will have a majority of their bills covered.COM 110 . but it is perfectly possible to have a pet and stick to a budget.
but don't worry. If your phone company doesn’t offer a bundling service. look at the cable company. Discounts are pretty significant if you pick a larger bundle. they also raise your interest rates--a double whammy. because the process gets easier the more you think about it. There are many ways to trim your costs. The companies you do business with are hurting too and they are quicker than ever to charge late fees and surcharges. Pick one of these companies and bundle your services. Pay On Time One of the biggest money wasters is paying bills late. Bundle Services Many local phone providers are now offering cell phone service. Credit cards not only charge you for paying late. Over drafting on your bank account can cost you hundreds of dollars in one day since each charge will result in an overdraft fee of around $30 per incident.Saving Money on Household Bills Click Here to Read This Online Between the rising cost of day to day expenses and decreases in the availability of jobs. Put overdraft protection on your account immediately to prevent such problems. and internet access as well as land line service. Years of being able to afford whatever we wanted make it difficult to know where to start. cable television. but for some reasons. many people are finding themselves in need of cutting costs on household bills once deemed essential. and if you find your bank charges a lot of additional fees.COM 111 . Cut Back Presented by MONEYNING. Utilities companies may demand a deposit if you are regularly late on paying your bill. change banks. Almost all offer internet as well as cable and you can pair them for some savings. we just don’t think about them.
COM 112 . it is natural to feel that you are somehow losing something valuable. Find Free Options The public library doesn’t only have book. find out which local restaurants offer free kid meals or free appetizers with a meal. I don’t do as well as the real gurus. CDs.Do you really need 500 channels? Cutting back to basic cable can save you $50 or more each month. You can reduce the extra services on your phone line or opt for a slower download speed on your internet connection. but spend less doing it. Presented by MONEYNING. Plan ahead and visit when you don’t have to pay for admission. There are several coupon websites. If you like to eat out. With a little creativity and planning you can still enjoy all the things you like. Start using generic products from the supermarket and clip those coupons. I turned off the television service two years ago when I realized the kids were watching too much TV and I never watched it at all. Eat only on the days when you can maximize your savings. you know. Just remember to bring them back on time or you end up paying late fees. When cutting back.50. like Coupon Shoebox. and other cultural centers usually offer a few free days each year. Local museums. zoos. Frankly. and computer games can all be found within the walls of the library and you can take them out for free. After two weeks of complaints they figured out how to entertain themselves and we have never turned it back on. where you can find tons of coupons all in one place. that is money I can use somewhere else. pack a lunch and enjoy a great day out with your family at no cost. but when you can get $17 worth of stuff for $5. DVDs.
Most babies go through several outfits a day. if you purchase new and focus upon the top of the line accessories.000. warm and cheap. The moral of the story is to know what you are buying. my baby stroller was recently recalled due to a dangerous strap that hangs lose. but sometimes. that’s unfortunate. Used isn’t Icky Until the latest economic crisis. most people wouldn’t even consider used clothes or furniture. you now have no excuse. and with the ease of obtaining information through the internet. baby clothes should be comfortable. but you can find great quality for much less if you work at it.COM 113 . once the baby arrives. any used stroller of the model I purchase would have been fine. Barring a special outfit for pictures or holidays. David’s Note: Every time used baby products are mentioned. but there is no reason to pay retail prices for it. many people pile on to say that many used baby products are unsafe. A fancy new crib can cost upwards of $1. In this case.Don’t Drop a Bundle on Baby Products Click Here to Read This Online While many young couples put off having children due to the high costs. While I can always try to get the stroller sent back.” Baby products aren’t cheap. a safety issue is caused by a tiny defect that can easily be fixed. the other option was to just cut what everyone is agreeing to be a useless strap that is just dangling for no reason. The local thrift shop or Presented by MONEYNING. The used market is a great source for inexpensive but high quality goods. they are willing to put themselves into debt to provide all the things baby “needs. For example. If you plan to have several kids. This can be true to a certain degree. but getting the same unit used will set you back about $200. or less. you want quality.
You will get coupons. not only will you provide optimal nutrition. Mothers who use formula need bottles and an endless supply of fairly expensive formula. and they can be expensive. The cloth diapers I bought for my Presented by MONEYNING. Check to see if the brand is available at your local warehouse. with the tags still on them. I combined the two. done. because babies grow so fast they don’t always get to wear every outfit they received. Disposable diapers are extremely convenient but the expense is continuous until your child has toilet trained.garage sales are great places to pick up really cute clothes for a fraction of the original price. Good wraps are essential to prevent leaks. you will save money. Cloth diapers require a larger initial investment but can be used for several children and then torn up into rags for cleaning and dusting. Once you pick your formula. Disposable versus Cloth This is just as difficult a decision as the feeding one. If you have more than one child. Nursing moms need about three good nursing bras and possibly a pump and a few bottles.COM 114 . If you choose to use formula. I used disposable diapers. Mom will eat a bit more while nursing to make up for the calories she is feeding baby. a free can of formula and perhaps even some of the nifty single serving containers. At home or on day trips. the expenses are much greater. You can even find new clothes. each one requires the same long-term financial drain. On longer trips. contact the company and ask to be put on their mailing list. Nursing versus Formula If you plan to nurse your baby. it is bound to be cheaper. I used cloth diapers and washed them at home.
Spending huge sums of money on baby products now rather than putting it aside for college just makes no sense. I use the diapers around the house for a variety of cleaning chores. My total investment was about $500 and I used them for a total of 7 years. a baby needs very little. Today. As hard as it is to believe. I got used for two more children.eldest 16 years ago. A place to sleep.COM 115 . Presented by MONEYNING. some food in its tummy and dry clothes is all that your little one requires.
braces may be optional. Children's mouths change during puberty. the need is much greater.000. If your child’s teeth align well and they have a couple of crooked teeth. The questions facing a parent of several children is just how much they can afford to spend on braces. however. Assess each child individually. If your child has a small mouth that needs expansion or several teeth that are severely misaligned the job will cost much more. you want your child to be “perfect. sometimes when a child is only 7 or 8 years old. Early braces often have to be “touched up” later on when your child’s mouth expands and shifts through their teen years. Typical Costs A full course of orthodontic care for a typical child will run between $3. parents spend much more than that on braces. While as a parent. Presented by MONEYNING. and whether or not it is worth the investment.” your wallet may flinch at the expense. Realize that older children will comply more with uncomfortable dental procedures to get a specific “look".500 and $7. you shouldn’t rush into the process.000. and it is common to start earlier. Today.How much should you spend on Braces? Click Here to Read This Online When I was young enough to wear braces.COM 116 . If. the costs from start to finish was $2. Determine the need The first real question is whether the work is cosmetic or medically necessary. Even if your child clearly needs braces. you child’s teeth are stacked up several deep and they have a hard time biting food.
Set up a payment plan and stick to it. but if your child truly needs them. Make sure you get a price for the complete job. As with other payment plans. If your child only needs some basic work. Many of the problems that will need to be addressed orally are only going to come back as soon as the braces are off. find out if braces are covered in part or as a whole. as you don't want to find out later on that appliances like retainers cost extra. Since orthodontists set their own prices. since many do simple orthodontic work. the differences in price between one office and another can be significant. Good luck! Presented by MONEYNING. you dentist may be able to do it for less. then they are an unavoidable expense.If you have a child that sucks their thumb. Braces are undeniably expensive. if the thumb sucking hasn’t ended. you will want to wait as well. interest rates can go up if you fail to make your payments on time. At least the money won't be taxed. Talk to your family dentist.COM 117 . and if your work place offers dental insurance. With a bit of searching you can save at least some of the costs associated with this dental rite of passage. Another good option is to set up a medical flexible spending account to pay for the work. you will find that there is a dramatic range of prices for the same work. Shop Around While I don't recommend you go to some back alley orthodontist to save a few dollars.
. purchasing clothes you can wash at home is less expensive.COM 118 .Decrease your Spending on Dry Cleaning Click Here to Read This Online Dry cleaning your clothes is an expensive proposition. and if you take them out of the dryer while still a bit damp and hang them. You pre-treat your stains.. Avoid buying clothes that need dry cleaning. While these kits are expensive when compared to normal detergent. Rayon. put the clothes in the bag with the cloth and run the dryer for a while. Buying those instead could literally save you hundreds of dollars a year. for example. There are also shirts that are of the non-wrinkle type. For many business people. Purchase a home dry cleaning kit. Presented by MONEYNING. Many items that say dry clean can actually be cleaned normally. you could be saving money and looking good. Cotton dress shirts are easy to wash at home. Since manufacturers are only required to put one method of cleaning on a garment. ironing is minimal. the need to have suits properly cleaned may seem non-negotiable as it relates directly to their professional appearance. such as suits or wool coats. can be washed at home as long as you take care not to shrink it with warmer water. However. While there are some items that are going to need dry cleaning no matter what. these kits provide you with a pretreatment. with a little effort. Consider which can be washed at home. they do just that. a “dry cleaning” cloth and a bag. they provide a good alternative to traditional dry cleaning when all your garment need is some freshening up. Read on. Used in your dryer.
The cloth will infuse your dry clean only clothes with fragrance, the steam generated reduces wrinkles and the pretreatment takes care of most stains. The fragrances can set off allergies in sensitive individuals, so try the system out on something that isn’t essential first. Care for dry cleaned clothes properly. Unless the item is worn against the skin, cleaning it annually is generally enough. Take off your dry clean only clothes promptly and hang them up. Use a clothes brush to remove any surface dirt and use pads or bolsters to ensure that they lay correctly when hung. Let the item air out for a day or two before you return it to your closet. With proper maintenance dry clean only clothes can last a long time. Take your clothes to the cleaners. Eventually, no matter how well you treat your clothes you will need to have the professionally cleaned. Long before you step into a store you should have done some homework. Get recommendations from your colleagues as to which dry cleaners do the best work for the lowest cost. Find out if a cleaner sends out coupons, and if they will accept competitors’ coupons by simply asking them. Wait until you have several items to take at once. Many cleaners offer a discount if you clean more than 5 items at a time, or if you are a regular visitor. Dry cleaning may be a necessity from time to time, but reducing the frequency and looking for cheaper alternatives can help reduce the expense to a manageable level.
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Make Organic Food Affordable
Click Here to Read This Online Whether you choose to get organic food because you believe in more sustainable methods of agriculture, have heard that organic foods are more nutrient dense or because of medical concerns, there are many reasons that lead people to go organic. But even if you consider organic food to be an investment in the planet’s future or in your health, you surely want to save where you can because the prices can shock you. There are several well-recognized ways to cut your organic food bill. Here are a few. Cooperative Ventures While other groups of people support cooperative lifestyles, for some reason, those interested in organic foods seem to have a real advantage. Purchasing your dry goods with a food co-op will often save you 30-40% right off the bat. One of the reasons you save so much is that you eliminate the middleman. My co-op ordered monthly, and each of us had a booklet that listed everything the distributor carried. We would e-mail each other our list of the month and see who wanted to share cases of a certain product. The order would be sent in and each month someone else would drive down to the warehouse, about an hour away, and pick up everything. Once the driver got home we all met to parcel out the goods. An additional benefit was advance knowledge regarding which items would be on sale so we could stock up for the season. Community Supported Agriculture
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All around the country, in every state, you can find farms that are part of the community supported agriculture (CSA) movement. To be certified as organic they go through a lengthy process. The certification is highly coveted in the community. To join a CSA you purchase a share, or part of a share, of the crops produced during a given year. For example, the CSA I belonged to offered family shares that fed about four people. Couple shares that provided for two, and single shares. This farm required a donation of 10 hours in the fields as well. Once growing season began, we would get our percentage of the week's crops, which we would pick up at the farm. The cost worked out to about $20 a week, and we had vegetables of all sorts from April to November. Specialty items like heirloom tomatoes, organic raspberries and field fresh arugula were standard fare around the house. YUM! Some weeks we had way too much, eleven heads of lettuce one week alone. Therefore, the farm allowed members to donate what they didn’t want to a local food bank. If the nearest CSA is several hours away, you can often arrange for them to drop the produce off at a central location where it could work if you get a group of members together. Organic food is becoming increasingly popular. The result is a greater availability, yes, but also larger prices. Supermarkets survive on a fairly narrow margin of profit, and organics allow them to charge a bit more. Ironically, the organics at your average supermarket are long past their prime, so it really hurts to pay top dollar. Find a food cooperative, join a CSA and enjoy fresh, inexpensive organics on your table.
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Office Supplies on a Budget
Click Here to Read This Online Whether you are running a small business or simply want to set up a home office, saving some money on office supplies can be important. In a business, every penny counts, and the same holds true for a household budget. Purchasing your supplies at a regular office store is about the most expensive choice you can make when stocking up, yet that's what most people do. Try these tips, and you may find that your money does go a bit further. Saving Money on Office Supplies at Superstores Although you might think that no one could possibly go through a pack of 25 pens or a full box of printer paper, most do, given time. While the initial investment in getting a large supply of something non-perishable may be more, in the end it pays off. Note though that too many people lose their pens well before the ink runs out. If buying a huge pack "helps" you forget more often, then buy them one at a time even if it seems more expensive at first! The big office stores like Staples, Office Depot and Office Max are not only trying to get your business, they are also competing against one another and online vendors. That means that it behooves them to offer the best prices that they can. They count on the “wow” factor once you get into the store. That means they stock their center aisles with pricier things that entice you to impulse spend. So stick to your preplanned list. Save Money by Using Online Vendors Things like printer ink and memory sticks are well worth pricing on line. The only caveat is that many of the currently available printers work best with cartridges made by their manufacturer. If you do find a cheaper source of ink that guarantees the product, it can
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Office supplies are a necessary part of the budget for any business. ink. Costco’s or other warehouse clubs. When they are available. make sure to add in the shipping costs when comparing with the box stores. Even large items can be delivered free of charge by the superstores. but with a little creativity and planning you can easily trim your costs. The membership is a business expense. get your money back and use the tried and true. While the selection isn’t nearly as extensive as an office supply superstore.com and their coupon codes. If your company only uses half a box of paper a year you might be able to split a box with another individual. If you have to pay for delivery. and you can find paper. While online vendors may have better prices. Some online stores always send out discounts.COM 123 . For a small business. If not. but the bottom line is equally crucial. Presented by MONEYNING. Save Money at Warehouse Stores For basics you can get some really good prices at Sam’s. That’s no bargain. like 123inkjets. Of course the best savings come from reducing the amount of supplies you use and switching to generic products wherever possible. purchasing the item together halves your cost. you have a new source. Another way to save some money is to pool your resources with another small business. If they perform up to standard. the prices are often better. the shipping bill may significantly add to your cost.be worth while trying out one set of cartridges. If two small companies in the same building want a water cooler. computers and furniture for a reduced price. even better. Clearly the best deals are found when you purchase in bulk. professionalism is important.
but my warehouse club only charges $75. let’s look at some ways you can reduce your expense. You do have to plan ahead more for this to work. Knowing in advance that your insurance company will only cover half a year may not be encouraging. Check to see what prescription drugs are covered A formulary is a book that lists what medications your insurance company covers. which charge less than the local stores. The local pharmacy charges me $97 for my prescription. Over the course of the year I save over $140 by filling at the club. When comparing prices consider online or mail service for your medications. Talk to your Doctor About Generic Drugs and Samples Presented by MONEYNING. Make sure to ask your insurance company for a copy.Saving Money on Prescription Drugs Click Here to Read This Online (Coming Soon) Prescription drugs are one of those items that we know are necessary. but the cost can make them a real budget buster. Some medications cost in excess of $100 each month. Comparison shop for lower prices on common prescriptions Common drugs have different costs at different locations. the price tag quickly exceeds their ability to pay. and for those people who take several drugs at once. but you can plan ahead and put money into a tax free medical account and save a bit there. Find out if your insurers have a limit for how much medication they will cover each year.COM 124 . Before you opt out of taking medications you need. Many insurance companies now cooperate with mail-in pharmacies.
aging can result in a contradictory situation. my doctor helped me out for several months. Finding ways to cut that bill may be the difference between making it to the end of the month or not. take a look at getting a prescription discount card or seeing if you qualify for a free medicine program. After a divorce and a big hit to the wallet. That prescription I get for $75 at the club is actually a double dose. If so. Unfortunately. I fill my script every other month. While this technique won’t work with medications delivered by capsule. it is a great money saver for tablets. switching can save you huge sums of money. Presented by MONEYNING. Ask Your Doctor about Dosing Options Discuss the possibility of getting a larger dosage and splitting the pills. and save $450 each year on top of the savings offered by the club’s lower price. Just as your income is decreasing your need for prescription drugs can increase. Ask the Pharmacy about Discount Cards Finally. there may be a generic medication that is identical to the name brand one you are currently using. Yours should be willing to do the same. Secondly.Your doctor will be able to help you on several fronts. Generally speaking. your doctor gets free samples of many medications from drug company representatives. First. Many states have such programs to assist people on a limited budget get the medications they need.COM 125 . I found out that those 30 tablets of 10mg cost $72 and the same quantity of 20mg pills cost $75. the office is happy to hand out these samples to help you afford a medication you really need.
Save Money by Keeping Your Pets Inside Animals that spend a lot of time outdoors or roaming can get parasites. It isn’t unusual to spend between $1000-2500 a year. Preventative Care is Cheaper It might make you cringe to pay for a dental cleaning for your pet.Enjoy your Pets and Save Money at the Same Time Click Here to Read This Online Americans spend more money on their pets than just about anyone else. You would have to spend between $100-300 for the same services at the vet. With an inclination to purchase purebred animals. Your cat should be kept indoors and your dog in a fenced yard. there are some simple ways to save some money while still spoiling your pet silly. suffer injuries and face dangers that house pets don’t.COM 126 . Presented by MONEYNING. but who can really afford to do that? Luckily. The shelter pets arrive with all their vaccinations and their altering surgery complete. infections. A shelter dog may be available for $100 or a cat for $60 while their purebred counterparts go for hundreds or even thousands of dollars. Heartworm medication may be a bit pricey. but it is a lot cheaper than having to pay for dental surgery when tooth decay creates abscesses or other problems. but compared to the cost of treating active heartworm infections it is petty cash. depending upon the size of the animal. feed them gourmet foods and dress them up in tutus. How to Save Money on the Initial Expenses The difference in price between a purebred animal and a shelter pet is considerable.
see if they provide low cost clinics. I recommend starting your grooming project during the winter so by spring. invest in a good quality pet clipper. but dogs need to be groomed regularly. even if they may not be overly fond of their owners. you and the dog will look more presentable. It never hurts to ask. He may also know of someone who is willing to help out by donating something towards the care of needy animals. Talk to the Vet about Payment Options When facing a large bill you need to sit down with your vet and discuss your situation. If your vet can’t afford to drop his fees.COM 127 . Few vets dislike animals. saving you more than $100. The students get to treat a variety of animals. and that isn’t too bad. If your pet needs to have a serious medical procedure done. the proper brush and shampoo. nail trimmers.Learn to Groom your Pet Cats rarely require much by way of grooming. he may know where you can get the same procedure performed for less. Find Free Clinics Offer Cheaper Services Most large cities offer rabies vaccinations annually at a low cost clinic. Presented by MONEYNING. If you have a pet that requires a lot of grooming. and you just don’t have the money. working out a payment plan in advance will assure that your pet gets the care it needs and you have a way to pay for it. consider going down to the annual event. Spay and neuter programs are also available. and you get a serious discount on any procedures your pets need. If there is a veterinarian school in your area. but other pups require monthly trims. Some dogs only need an annual trip to the groomers. Rather than spending the money at the local vet clinic.
a leash. Keep your cash for the important things.COM 128 . your pets really doesn’t need anything. remember that beyond basic vet care. That tutu may look adorable on “Pookie” but she will live just fine without it. decent food and love. Presented by MONEYNING.Finally.
because they are all similar. coupons. Before you know it.COM 129 . a very small person starts to eat up a significant part of the monthly income. but the first years of a person's life are actually the cheap years. Between disposable diapers. a baby bag and any other free merchandise they can think of. after all. Parents often wonder how such a small individual costs so much. those costs don’t approach that of formula. having a baby is one of the most life-affirming experiences they will ever have. While mom eats more to produce the milk. any money you can save now will more than pay off in the future. Once you get home with your new baby. formula and clothing. Nevertheless. If so. you now know of a source of the same formula for less. head to the local grocery warehouse and find out what they stock. so find something your baby will tolerate and bulk up. Presented by MONEYNING. try out your samples and make sure your baby tolerates this formula well. your child can point at a toy on the shelf and start making demands. Don’t fall for the hype.Spend Less on Baby Formula Click Here to Read This Online For young couples. so encourage their generosity. Then contact the company that manufactures the formula and get them to send you samples. And let's not even talk about college. Before the baby arrives. At least it is until the bills start piling up. the baby years is actually just the beginning. Every formula has to meet government standards. Formula companies definitely want to push mom’s buttons and imply that their formula is clearly the best one if mom isn’t going to nurse. Buy Formula in Bulk Everyone knows that “breast is best” not only from a nutritional perspective. This could sound discouraging. They are trying to woo you. but also from the financial point of view.
Not Liquid The costs per serving of powdered formula are considerably lower than that of liquid. Presented by MONEYNING. If you don’t teach your child to expect their formula warmed up. When you can make the change. especially single serve cans are very convenient. you are unlikely to have any problems with a generic option. Take a good look at the conditions of use. realizing that they may be thicker or thinner than what you mix up from powder and require a bit of coaxing at first. After all. In the end. Liquid containers of formula. It may very well pay to get that pack of single serve cans instead of the bulk box.COM 130 . which can make up for the price if you are on a plane or driving for hours. baby only drinks formula for about a year before transitioning over to other liquids. Buy Powdered Formula. it can be carried about without worry of spoilage.Companies also send out little “checks” for you to use on their brand of formula. Not only is powdered formula cheaper. that means you can add some water to your powder wherever you are and provide a meal in a couple of minutes. Keep such cans for special occasions. Consider Generic Formula If all these tips still leave you grasping at financial straws to feed your baby. you budget will make a sigh of relief. Since the government does strictly monitor what is in baby formula. don’t you purchase generic foods for yourself? There is nothing wrong with doing the same for your precious baby. consider generic varieties.
The diapers can be purchased by the dozen and you will probably go through eight to ten per day. there are other money saving tips I can offer. you really should consider using cloth diapers that you wash yourself. you can reuse your supplies when the next child comes along. If your goal is to save money on diapers. however. If. and are covered with a variety of comfortable. Prices vary but contoured diapers will cost more than straight ones which run about $20 per dozen. you just can’t imagine doing so. This will include your supplies. The Basics of Cloth Diapers and the Cost Cloth diapers have changed a lot in the last 20 years or so. colorful and adjustable wraps. and should have at least twice that number available so covers can be washed and dried. Again. Presented by MONEYNING.000 diapers before toilet trained. Let’s start by looking at cloth. today’s cloth diapers are pre-folded. so that saves you money once again. Different sizes can be purchased to accommodate a growing child. The initial outlay is greater than with disposable diapers.COM 131 . you want enough for at least two days. washing and depreciation. In the end. Of course. That’s a lot of money you are essentially throwing away. Good quality covers will cost about $20 each. Unlike in my infancy where you would pin on a strip of bird’s eye fabric and then cover it with plastic pants. shaped.Don’t Dispose of your Money when Buying Diapers Click Here to Read This Online (Coming Soon) Your average infant will wear over 7. You will need at least three to four diaper covers per day. you can expect to spend about $20-$50 per month while your child is in diapers.
Presented by MONEYNING. you pay more for the convenience of disposable diapers. A number of websites offer this service and will deliver to your door. You can also purchase your selection of diapers in bulk if you search online. one of the costs we don’t consider when using diapers is that of the environmental impact. Unfortunately.Disposable Diapers Don’t Have to be Prohibitive If you choose to go with disposable diapers. This may not save you much. but that option increases water usage. Find the cheapest diaper that fits your child well. Only experimenting will let you know what works for your child. you don’t have to purchase the most expensive brand. Only you can decide if that price is too much to pay for ease. sign up for the company newsletter and coupon e-mails. this is a time when every penny counts. about $20 per month. Generally speaking you will spend about $40-$70 per month on disposable diapers and supplies. Financially. A baby with chubby legs will do well with one type of diaper. These factors are mitigated to some degree with cloth diapering. It is estimated that disposable diapers account for between 1. there are significant concerns involved with the waste material leaching into ground waters.52% of the total volume of landfills worldwide. Once you settle upon a brand. free. but believe me.COM 132 . while one with slender legs will do better in another. over 3 years that adds up to $720. It really does vary from brand to brand. Additionally. by the way. There really is no optimal solution one way or another from the environmental perspective.
Check USPS. you can send a 10-pound package across country for less than $16 if it goes parcel post. There are ways to shave some of your costs. Carriers charge more to ship unusually sized boxes. but shipping express will cost $58. you will need to get organized in the fall. With the hectic pace most people endure year round.COM 133 . Get standard sized boxes free by saving the ones you get when you order merchandise. Shipping internationally may involve a couple more websites.Shipping for Less . but it will generally involve a bit more planning on your part. Compare Prices at Websites. Overnight with UPS can easily cost double that amount. Presented by MONEYNING. Thinking about the winter holidays that early is difficult. at USPS. with getting the kids off to school at that time of the year. Holiday Time Shipping Strategies Sometimes it seems as though the holidays arrive earlier each year. it is critical. For example. getting gifts purchased and mailed in time can be daunting. the costs involved can appear astronomical. UPS and FedEx as a minimum. so choose wisely. As long as you know the box dimensions you can accurately evaluate which carrier will give you the best deal. The reason is that the faster you need to ship something. Uniformity Spells Savings.Saving Money Year Round Click Here to Read This Online Whether you are shipping presents you bought for the holidays or sending packages year round. If your goal is to get those presents under everybody's Christmas tree and not spend a fortune mailing them. but to save on shipping costs. the more it will cost.
Combine Packages and Save some More. Amazon offers free shipping on many items. you will want to maintain a professional look. I plan ahead and package all the gifts for the month in one box and let the family sort it out and deliver them when they arrive. if you plan to send a big box of gifts. That translates into 7-10 business days under most circumstances. If you ship for business purposes. When I moved half way across the country from my family. To make the best use of this service you need to shop in advance of your desired delivery date. Options to Consider for Business Purposes Not all shipping is of a personal nature. Now. compare prices and stick to standardized boxes. Just because you have a lot of things to ship doesn’t mean you should be shipping off your cash in the process. I immediately saw the problems involved in getting gifts to relatives on time. but the money spent on labeling and fancy boxes can be better spent elsewhere.Let Companies Ship For You. Print your own labels and stationary. If you purchase things online. pack your own packages and take them to the store rather than have them picked up. Think ahead. realize that many companies offer free shipping. For holidays this is particularly useful if everyone gathers at “grandma’s house” or another such central location. You can save money and still get things where they need to be. but this means that your items go by the slowest means possible. You will find the savings add up over time. this really pays off. Presented by MONEYNING.COM 134 . Still.
The first step was to scavenge around the house. unused supplies do return at the end of the school year. notebooks. Long lists are coming home during the summer requesting everything from paste to pencils. Next. scissors. the prices there keep going up as well. saving money on school supplies is just plain smart.COM 135 . Three kids equals nine dozen pencils. from my perspective. Presented by MONEYNING. Buying these items in bulk at the warehouse club is often cheaper than picking up smaller boxes. glue. so scissors. and the list went on and on for a full page. folders. They all went into a general pool from which all children would take what they needed. While you expect to purchase more for a college student. Each of my children needed pencils. none of the supplies was personal.Slashing Spending on School Supplies Click Here to Read This Online Whether your child is heading off to their first year of kindergarten or their final year of college. As school systems face the challenge of teaching more kids on a smaller budget. parents are being asked to provide a lot more than a couple of pencils and a notebook. Many of the supplies were similar to those requested last year. rulers. yes. I created a master list of all the supplies needed. Fortunately. you read that right. Get Everything Your Child Needs for Less The latest version of the “school supply” list arrived in mid August. Worse. ruler and other such items were already set aside in anticipation.
College costs enough as is. If you must purchase a book. and most classes will require several books. but getting folders for a penny each when you need 20 pays off.COM 136 . Copying pages you need for studying purposes is much cheaper than purchasing the book. Paying full price is criminal in my opinion. While a good education is priceless. Scrimp where you can Remember that there are many fine State schools that are much less expensive than private universities. you can bet I made it over there. even if it takes some time. textbooks are one of the largest hurdles you face. Freecycling groups online may be able to help you get a used textbook for nothing or just the price of shipping. While I won’t go to a store for just one item (gas costs money too you know). Values abound. see if you can borrow their book. if you are willing to plan ahead and make an effort. but it’s free. get it used. Presented by MONEYNING.Checking circulars meant traveling to several stores. Once you get over the sticker shock of tuition. there is no reason to pay excessively for the experience. College textbooks can easily cost in excess of $100 a piece. If you have a friend who took the class during the previous semester. Professors often reserve copies of their textbooks at the library. You may need to read the book there. Shop early to increase your chances of getting the book you need at the price you can afford. room and board. There are plenty of websites that sell used textbooks for a fraction of the cost of new. if several items were cheapest at another location.
but opting for a top of the line suit will cost you a pretty penny. borrowing from older relatives. Make sure to start looking early though. is a totally different story. Life is easier for the boys. A Grown Up Look for Less For many girls the largest expense ends up being the dress. and return it on time to avoid penalties. Gowns and Tuxedos. So what to do? Here are a few suggestions. it makes no sense at all to spend several hundred dollars on gown you may never wear again. but you also want to avoid taking out a second mortgage to afford the evening. because you don’t want to have to settle for a dress just because it is the right size. Cheaper options include consignment shops. but an attractive.Enjoying your Prom on a Budget Click Here to Read This Online The emotional weight associated with prom night is difficult for an adult to appreciate. although not necessarily cheaper. Sharing the Ride Saves Everyone Money In my day the boy picked you up in dad’s car. The tuxedo rental industry is well established. Today kids spring for stretch limos and decked out Hummers. Pick something that looks good without worrying about who designed it. well fitting tux doesn’t have to be the newest or the most expensive. Bridal shops are getting in on the celebration by renting dresses as well.COM 137 . Presented by MONEYNING. Really. The price tag. however. As a parent you want your child to enjoy themselves and maybe make a few precious memories. or visiting a dress exchange. Designer labels are snazzy. If you were lucky he cleaned the car before he drove over.
so designing your own at home is an easy way to save a bit of money. without spending a fortune you simply don’t have. as prices vary quite a bit between florists. The evening’s rental may be $500.Before you shell out hundreds of dollars for your ride.COM 138 . The After Party. As always. Flowers Don't Have to Be Exotic The corsage and boutonnière should match. and the peace of mind is invaluable. pick something seasonal. A corsage is more challenging. planning and creativity are the cornerstones of creating a memorable event. work with other parents to set one up. Presented by MONEYNING. but that doesn’t mean they have to be expensive. it is much more affordable. so this is one area the boys may end up having to spend more. If your child’s school doesn’t do so. but when you split it between 10 kids. it has become an integral part of many proms. And shop around too. get together with a bunch of friends and decide to go as a group. Dancing the Night Away Although the idea of an after party will seem strange to many parents. Schools often arrange for an after party just to ensure that their students are somewhere safe when the prom is over. Carnations are a traditional choice that still fit into a smaller budget. Making a boutonniere is fairly simple. The expense of several families renting a small suite at a hotel or arranging a co-ed event at home is much more reasonable. If you don’t like carnations.
Each one sells its game disks for $50 or more a piece. which means if they don’t I just take them back to the store and get another copy. but for the most part. When the Wii came out it cost $250 new. there are those who only see the point of winning once. but if you were willing to wait a few weeks they were available for $179 used.Don’t Pay Top Dollar on Video Games Click Here to Read This Online There are three popular video games on the market at this time. I found some great ways to save money and still give them video games they want. they all want something new. You have to be a bit more wary if purchasing from a private individual online. but the idea of spending that kind of money for a game actually offends my sensibilities. online or at game exchanges. GREAT! I am willing to help them out. Buy Your Games USED There is no easier way to cut your costs than to purchase games that are used. and that means come holidays and birthdays. and everyone saved.COM 139 . extend this policy to the game console too. My kids waited. Presented by MONEYNING. This means that they spend $50 for the newest game and then are willing to sell it for $20 in order to acquire money for the next thing coming out. The games are usually guaranteed to work properly. the games are the same. and I get a relatively new game for less than half the price. but my children do. Now I will admit that I don't actually play these games. You can do this at various game stores. By the way. Unlike my children who like to play the same game over and over beating it several times. when new. I don’t know about you.
Rent Games Purchasing a game you don’t know anything about is a waste of money. Either way you come out ahead. you get rid of unused games and you can purchase newer ones without spending a penny. There is always something new to play and he gets to save up for something else. Some stores give you cash while others provide merchandise credit. like a new computer. you have saved yourself a bundle. you are $40 ahead. If a couple of months go by and you haven’t gotten back to the game. Presented by MONEYNING.COM 140 . Play Online Games – for free The popularity of online gaming continues to grow in leaps and bounds. If a game costs $50 and you rent it twice to complete the whole game. If you like the game enough that you think it is worth purchasing used. You can find literally dozens of sites that host free online games you can play individually or in a group setting. My teen spends hours each week on these sites and hasn’t bought any new video game for the game system in months. Renting the same game will cost you $5 at the local video store. Turn In Your Old Games Many people horde their games long after they finished playing them. In addition. consider selling it back to the game store. then go ahead and do so. Otherwise.
A traditional burial begins at about $5.000 and heads up fast from there.000 and doesn’t increase much. what kind of service you want and arrange every aspect imaginable. Unfortunately. Places to Cut Costs around Funerals There are many places that you can reduce expenses. unless you really try. stick to less expensive options like carnations. without appearing miserly. as long as you leave a copy of the contract with your papers. The primary advantage of control gives way to the secondary advantage. Hiring some clergy-person who barely knew the Presented by MONEYNING. plenty of individuals see funerals as a way of wringing every last dime out of a bereaved family. but completely unnecessary. You can pick your plot. Here are a few things to keep in mind during this tragic time. Planning your Funeral If you are a planner. then working out the details of your funeral won’t seem too macabre. This saves your heirs money and aggravation. but you need to know when to apply which strategy.COM 141 . If you feel they are required. What you pay will remain the price of the funeral. whereas cremation starts at $1. there is no cost associated with a plot or the need to purchase a fancy coffin to impress anyone. your casket. There are ways to avoid spending too much money on a funeral.Planning Funerals Without Spending Too Much Click Here to Read This Online Planning a funeral for a loved one is a tremendously emotional event. Consider Cremation Cremation is considerably cheaper than traditional burial. Aside from the fact that you don’t usually need to embalm a body that is being cremated. Flowers are nice. that of paying for your arrangements in advance. at today’s prices.
deceased is pointless. It is better to ask someone who is acquainted with the individual to speak. The more you formalize the service the more you will pay. Caskets are another area where money is made by the industry. Try to remember that ultimately this box is going to end up in the ground or burned. Do you really need to spend top dollar in either case? If you really want to save money, opt for a plain pine box, but even that can set you back a grand. While some people feel that it is necessary to travel from the funeral home to the cemetery in a limousine, it really isn’t crucial. You can avoid the whole traveling expense by simply having a nice closed casket service at the cemetery and encourage people to come to the house afterward for finger foods and reminiscing. This is much more personal, and frankly, cheaper. When my time comes, I want to be in one of the new cardboard coffins that my children and grandchildren have decorated with paint, glitter and love. I want to be put in a green cemetery with as little fuss as possible, and have someone plant a tree above my head. Simple, cheap and meaningful! The goal of a burial is to allow the family and friends of the deceased to begin grieving properly. Spending so much money that everyone ends up in debt is no legacy. Don’t get pressured into spending too much. No amount of money will bring back your loved one, so make your decisions carefully.
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Buying Batteries without Busting the Budget
Click Here to Read This Online Purchasing batteries seems to be a requirement today. Between all the electronically based games that children play and a need for flashlights and remote controls, having batteries around the house is a necessity, not a luxury. Still, most batteries are fairly expensive little items. Is there a way to get what you need without paying a fortune? Yes. You don’t have to buy name brand There is a particular consumer review service that evaluates products all year round. They reached the conclusion that many of the generic brands of batteries work just as well as their name brand counterparts. To find out which generics work best and are cheapest, head to your local library and review the findings in the monthly magazine. In many cases a generic alkaline battery will work just as well as long as the ratings are the same, and can be purchased for a lot less, even without using a coupon. Coupons and Sales are the Time to Stock Up Just about every Sunday paper provides a coupon to one type of battery or another, so look for those. When you can double up a coupon with a sale, the cost of batteries can drop significantly, so this is the time to stock up. And they last for years too if you store them properly. Buy Batteries in Bulk If you belong to one of the popular warehouse grocery stores, take a look at their battery prices. You can often save 30% or more when compared with a supermarket. The catch is that you have to purchase large quantities of batteries to achieve these
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savings. In my home, it isn’t uncommon to go through two packs of 48 AA batteries each year. The savings really add up, but only go for this option if you can go through that many batteries. Invest in a Battery Tester Once your battery doesn’t work in you child’s high-powered toy, it may still have plenty of juice to perform somewhere else. A battery tester may cost $10, but they will let you know how much juice is left in each battery. Many such “low charge” batteries will work for months in a remote control or other low draw devices. Are Rechargeable Batteries Worth the Money? From the perspective of finances, they aren’t usually worthwhile. From the perspective of avoiding tossing more garbage into landfills, yes, they are. Financially, rechargeable batteries are prohibitively expensive. They work well, and, if you purchase lithium batteries, they can last for years providing reliable power. They don’t last quite as long as disposable batteries, but they deliver consistent results time after time. For items like remote controls or digital cameras, they can be very useful. One Caveat on Battery Usage In life saving devices such as the smoke detector and carbon monoxide detector, you should never use rechargeable or depleted batteries. A remarkable percentage of those who die in house fires would have survived had the smoke detectors sounded properly. In areas of safety, you should purchase high quality batteries and change them at least twice a year. Although batteries are expensive, they have become ubiquitous. Finding a way to save money when purchasing them is just smart, and should be part of anyone's strategy to save money.
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How to Reduce the Expense of Gasoline
Click Here to Read This Online Even though gasoline prices usually stay low during the cold months we have seen an increase at the pump. Lower production is often cited as the reason for the continued increase but it is hard not to suspect pure greed when it is public knowledge that barrels of crude oil are back from its all time high prices. Given that the fuel business is a business just like any other, you need some strategies that allow you to get around while spending the least amount possible. Use the Internet to Check The Internet is one of the best places to get current information about fuel prices. There are numerous sites that allow members to text in or call in the prices of their local gas stations. As long as you will be in the area, getting gas at one of these less expensive stations is beneficial, as even $0.10 a gallon less really adds up over the course of the year. Consider the gas at the Supermarket or Warehouse Warehouse stores have advantages and disadvantages. They go through a ton of gas, and that means they can react to changes in prices more quickly. I’ve seen my local store change prices two or three times a day as different trucks roll in and out. The disadvantage is that if the prices are rising, so does the price at the pump. However, their prices are lower most of the time, so go fill up there if there is one close by. Supermarkets that are affiliated with gas stations often offer a discount at the pump if you purchase enough groceries. The catch here is that you are probably paying a lot more for your food here than at a cheaper store. Only you can figure out if it pays to save $1.40 or so per tank, so don't always just assume without doing the calculation.
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the faster you go over 55 mph. overload our cars and drive mindlessly. group your errands together and avoid back tracking repeatedly.Change your Driving Practices As a nation we tend to accelerate fast. Presented by MONEYNING. Air resistance and motor strain conspire to cost you a lot of gas. this too saves gas.COM 146 . the less efficiently your car runs. Accelerate slowly. If saving gas is a main concern and if your job allows. Additionally. check your filters and intake and clear them of any blockages. drive too quickly. By planning out your driving path you can significantly reduce your mileage. This translates into wasted fuel. You lose a lot of mileage to poorly inflated tires. Try to stick to one speed rather than speeding up and slowing down constantly. it takes less gas to do so. Secondly. consider changing the hours you commute to avoid the traffic jams. The first thing you need to do is make sure your tires are properly inflated. Once you get on the road. and that turns into direct savings. Finally. don’t gun the engine. Stop and go traffic is never good for fuel consumption.
I recently discovered this wonderful community and clothes for kids are always being offered. There are several ways to score free clothes. You just need to know the tricks of the trade. Cheap clothes Ok folks. free. Other common items offered include shoes and household items. without it having a real effect on your lifestyle. Barring a few “favorite” items each season.COM 147 . Not only are the clothes out on the floor in good condition. Those clothes never get worn enough to show any wear. The next place to score free clothes is on your local freecycling website. but here are the easiest. Jeans usually run about $5 and a shirt $3. This is particularly great if you need dressy clothes to wear to a fancy occasion. Free clothing Yes. you saw that. Presented by MONEYNING. there is nothing wrong with picking up clothes at Goodwill or ARC. clothing can be passed on to the next kid in good condition. This is probably the one place in the family budget where you can rack up some serious savings. First. These are two of the least expensive locations where you can fill your closets for a few dollars. you can pick up a good winter coat for about $10. Kids grow out of their clothes so fast that they don’t usually have time to wear them out. let it be known that you are always willing to take hand me downs for your kids.Save Money on Clothes for the Whole Family Click Here to Read This Online There are some really easy ways to save money on clothes and still look great.
take care of it. I recently made costumes for my kids and discovered that I spent at least as much as I would have purchasing these items. The deepest discounts turn up just as one season is ending and the next beginning. I save these kinds of purchases for myself. kids never grow the way we plan when we purchase clothes early. tragically I won’t be shrinking any time soon. unless you luck out and get your materials cheaply. but the quality is usually better. Proper care will help reduce wear and decrease your spending just as much as any other strategy. Presented by MONEYNING.The next step up in price. this option is more expensive than a thrift shop. Sewing and Knitting Gone are the days when sewing and knitting were huge money savers. Since someone still wants to make a few bucks for their items. whatever clothing you own. Finally. Planning for Sales As the stores are always several months ahead of the seasonal curve you will find things like swimsuits on sale during the summer and coats on sale in February. Being able to anticipate when these sales will occur. not frugality.COM 148 . For some reason I have never figured out. Every city has them and you find clothing that people are trying to sell for a fraction of the original price. I can plan ahead and make sure there is money in the budget for several items to be purchased at once. but still very reasonable is the consignment shop. If you do sew or knit. remember that this is a labor of love. Shopping for children a year in advance can be dangerous. Getting to a sale early ensures a better selection.
etc. is all you need. who am generally pretty good about these things. and look at some ways to save money. New products often come with some terrific coupons. donate it. Limit your Purchases Even if you find that a top of the line product works best for you. Even I. as you get to the end of a product you use. One shampoo. one soap. start looking for coupons. If you fall into that category. not fashion. One container.Save Money on Beauty Products Click Here to Read This Online Women in particular purchase a seemingly endless supply of beauty products. Presented by MONEYNING. Women’s shelters really appreciate the donation and it will provide a tax credit as well.COM 149 . you don’t have to purchase several of them. While it is certainly fun to try out new products. Don’t Be a Brand Whore Barring skin allergies. allowing you to try something out for a few dollars. Stick to something that works and avoid being tempted. have two types of shampoo. one conditioner. Focus on function. Let’s fix all that. the largest available for savings. I’ve seen my friend’s bathrooms and they can be filled to the rafters with product after product they bought and didn’t finish. as they all do the same thing. Three different exfoliating products makes no sense. most people can use just about any product. various facial products and two different deodorants. it is also wasteful. Believe me when I tell you that your legs will be just as smooth with one razor as another will. online or in the paper. If you have multiple containers of a product and won’t use it before the expiration date.
eBay is another good place to find products cheaply. Even if you have to spend full price for your needed product. Saving money while doing so is a wonderful bonus. scrubs and lotions at home for pennies on the dollar. If you have a sensitive face then stick to what you know works. but other areas are rarely so delicate and can tolerate generic brands. The best thing is that you get to scent them yourself and can come up with something truly unique. There are also a number of reliable "superstores" where you can get favored products for less than you would at the store. you will get a bag full of goodies to go with it. shampoo and lotion at the dollar store is a great way to save money.Dive into Dollar Stores There is no question that purchasing basics like soap. Purchase During Promotions Every cosmetic brand runs promotions throughout the year. Presented by MONEYNING. but you have to know the regular price and calculate in shipping. but only if do so whenever it make sense.COM 150 . Even better. Make it Yourself If you are willing to put in the time. This is your opportunity to get those coveted travel size containers and to try out new things without committing $30. Look Online for Good Deals Many companies offer discounts and coupons on their websites. In the end it isn’t about getting some chi-chi product on your body. so beware. as a product goes out of production it often ends up on the dollar store shelves where you can pick up a supply for very little money. It takes only a few minutes to make a good lotion and even less time to mix up an exfoliating scrub. but rather about taking good care of your skin and hair. you can generally make most creams.
Rent Online. Sometimes the big names have the best prices. but the only way to find out is to look. in advance One of the worst ways you can rent a car is to show up at your destination and head to the counter. sometimes the littler guys will. Avoid the Airport If you can get a shuttle to whatever location you have in mind. These charges can easily double the price Presented by MONEYNING. get online and compare prices between rental companies.Cutting Costs on Car Rentals Click Here to Read This Online (Coming Soon) If you have had to look into car rentals lately. Once you have found a reasonable price.COM 151 . reserve the car. and it doesn’t cost you anything. Beware of Hidden Costs One of the biggest moneymakers for any car rental company is additional insurances and the rental of car seats and GPS devices. there are some ways you can still get a bargain. What you could have had a few years ago for $19 a day now costs double that if you don’t plan ahead and hit a good deal. You will be stuck with the highest rates and the worst selection of vehicles. and there is no need to pay this if you can be more flexible. you know that the prices continue to go up. You can always cancel if you find something better priced later on. Sometimes you can’t get anything. you might want to consider putting off the rental until you arrive at your destination. Car rental companies charge a premium to provide you with a car at the airport. As soon as you know where you are heading and when. When car rental becomes necessary.
less your deductible. Talk to your insurance company and find out if they cover rental cars as well as your own vehicle. it has two important benefits. Presented by MONEYNING. If you are flying somewhere. Tack on your AAA membership discount or the savings from another company and it can really add up when it comes time to pay.you see when you check rental prices. you can dramatically decrease your costs and still get a nice set of wheels. Most do. Car rental can be expensive. use a map! Join the Club and Maximize your Discounts Just about every large car rental company offers a membership that is free. the cost of renting a seat can far exceed that of the potential for additional costs at the airline counter on a rental that lasts for more than a couple of days. If you rent even a couple of times a year it can be well worthwhile to put up with the endless stream of junk mail in order to garner a few more coupons and member prices. Even if you end up paying a few dollars to take it along. As far as the GPS goes. you and your child are familiar with the seat and its operation. but with a little forethought and some good planning.COM 152 . your car seat can go along as baggage. The worst that happens is that you end up fronting the price of any damage and your insurance company repays you. First. Secondly.
The Terms They Use On the most basic level when a Realtor talks about points in closing. Any line item on the loan agreement that is an 800 block is a place where "junk fees" are hidden. in the hope that they will pass under your radar. inspections. These are fees that include the title search. they are talking about a percentage of the house price." The price to record a new deed is available from the county clerk’s office and this shouldn’t exceed that price by more than a few dollars. Negotiate over Everything Possible The best place to negotiate actually appears in the 1100’s section. settlement fees and attorney's fees.COM 153 . Property assessments. Ask for explanations on any fee you don’t understand.Closing Costs Don’t Have to Drain You of Cash Click Here to Read This Online When you get to the point in your life where you are ready to purchase a home. Often the lenders just lump together these fees even if they don't utilize all of them on your purchase. taxes and improvements are bad enough. Ask to see them broken down. suggest they put off closing until you can have your lawyer take a good look at their fees. as well as other such charges. Presented by MONEYNING. there are many unexpected expenses. Understanding some of the terminology and the tricks of the trade can help you minimize these costs and bring your house price down. Look for names like "funding fee" and "deed recording. If you don’t get a good explanation. but tacking on excessive closing costs can be the final straw. One point equals one percent of the total price. A funding fee is pure padding. so here's a primer. They will almost certainly negotiate at this point.
have them call the lender and communicate. You can choose to pay some closing costs for a benefit later on. It is tempting to go with the company the lender recommends. While it is mandatory to have hazard insurance. The costs of owning a home are only starting when you sit down to close on your home. like those beautiful lace curtains for your new dining room.While there is no such thing as a "no closing costs" loan. For example. This increases your upfront cost in order to reduce the overall interest paid later." Hazard Insurance Shop around for your hazard insurance. the fees are just rolled into the loan itself. if you do a little footwork. so take some time to do your homework in order to save. or to stick with your current insurer. Every dollar you can knock off these costs is a dollar you can spend on more important things. but this is one of the places where you can save hundreds. This is often called a "loan discount. Home ownership is a mile marker on the road of the "American dream" to which most aspire. if you opt to pay a point or two to drop your interest rate. it can pay off over a few years. You won't get to close without proof of insurance. Presented by MONEYNING. you don't have to agree to a specific company for coverage.COM 154 . Once you find the company you wish to use.
by combining all your needs – airfare. there are ways to save money. so play around with the options. to save more money. and here. search for promo codes such as the ones I list here. there are ways to save money on every aspect of your meeting – if you know how to work the system. Additionally. Sometimes. Travel Expenses Whether you travel by air or car. For car rentals you can go to the same websites and also look for promotional codes and coupons. When it comes to airfare. consider driving together with other business associates and share the costs of traveling. Fortunately.COM 155 . Also. This is even more of an issue if you own your own business and are responsible for the whole trip. if they send you. taking food along on your trip is the best way to cut costs. These codes can also reduce the price of the tickets you purchase or offer discounts on hotels when you arrive. the red-eye flight is going to cost less than the one that leaves at 9:00 am. you best bet is to purchase tickets from online discount travel sites such as Orbitz or Travelocity.Save Money While Traveling to Business Meetings Click Here to Read This Online It is nearly inevitable that sooner or later you will need to attend some business meetings if you work in the corporate world. Finally. car rental and accommodations – you will access better deals. Food on the Road If you are driving. It may not be possible to eat every meal out of a cooler. you will still have a number of expenses to pay for out of pocket. While your business may be willing to pay for your airfare and your hotel room. but it is certainly achievable to eat many Presented by MONEYNING. try to fly at less desirable times.
If you can get everyone to agree to attend a happy hour buffet instead of going for dinner. scheduling alternatives and anticipating your costs so you can trim them as often as possible. Order an appetizer instead of an entrée. granola bars. Offer to share a meal with a coworker. hard boiled eggs. but everyone is dealing with tightened financial belts. Taking along a water bottle will keep you hydrated and you can fill it at any water fountain you encounter. especially alcoholic beverages. Stock up on fruit. Cutting Back Of course. Presented by MONEYNING. but by avoiding them as often as you can. and other options such as teleconferencing and videoconferencing can be reasonable alternatives for many previously scheduled face to face encounters.COM 156 . That isn’t necessarily practical all of the time. Opt for less expensive restaurants and skip drinks. Prepackaged oatmeal and microwaveable meals are ideal for eating in your room as well. The usual money-saving techniques will work very well here. and other easy to handle foods.of your meals that way. Business meetings are an inevitable part of company politics. Eating Out when Required No matter how careful you are with your expenses. you can make them affordable again. you can get your meal as well as a drink for very little cash. the best way to save on business meetings is simply not to attend any. sooner or later you will probably have to go out for some meals.
This isn’t to say that you can’t eat out periodically. The rest is immediately portioned into plastic containers.000. you are kissing $1000 or more good-bye every year (Ha. This. If I am not in the mood to eat it the next day. Presented by MONEYNING. it's more like $2. I grab what I want for lunch that day. When you have a plan in place you are much more likely to follow through on making lunches.COM 157 . fill my water bottle.Work Lunches Don’t have to Be Boring or Expensive Click Here to Read This Online We eat lunch every day. is what leftovers are for. add some fruit. Those supplies are specifically for lunch. $3.” Pack Leftovers There is nothing revolutionary about the idea of packing your lunch. Come morning.000. Which meats and cheeses are on sale this week? Determine how many slices of each you need for the week and buy just that. into the freezer it goes. folks.000 a year!!). or even $4. until the last 20 years or so. and if you are the type of person who buys lunch daily. Anticipate it Sit down and look at the supermarket circulars when they arrive. but as we constantly talk about here: “frugal is the new in. that is what everyone did if they didn’t have an office cafeteria at their disposal. In fact. and I am set in a matter of moments. What a fantastic waste of money. for some of us. I always make more food for dinner than I expect we will eat.
put half the meal into a take out box at the start. sooner or later. Work lunches shouldn’t be a large part of any family’s budget. A sandwich. finding money for field trips. you will still come out way ahead. let’s face it. unless you are much better organized than I am. you are going to end up eating out. Order an appetizer and a drink instead. and arguing about the need for a coat when it is below freezing. or one that offers 50% off a second entrée. Ask for the restaurant to split it in the kitchen and even if you pay the extra couple of dollars for the plate fee. and fries come out to $3 plus tax. There is something about mornings that seems to get my children’s brains working and then I am signing papers. use a BOGO coupon. • Split a Meal – If you are either very close to your lunch companion or have someplace to put leftovers. You save money. plan on sharing the same meal. and get enough to fill you up without requiring a nap after lunch. enjoy eating out. so you can leave it at work for the next day. Drink water and share an appetizer if you must. If you are with a coworker. even if you usually pack your lunch. Eating Out Okay.COM 158 . If you are on your own. Eat Small – Restaurants serve way more than a standard-sized meal these days. soda. Presented by MONEYNING. you can split an entrée. So what options exist that will allow you to stick to a budget? • • • The Dollar Menu – There is nothing wrong with ordering off the dollar menu.Preparing lunches in the evening is another way to improve reliability. It is much easier to find five minutes to assembly line all the lunches before bed than it is to find the same five minutes in the morning. Planning is the key to enjoying your lunch and saving money at the same time. Coupons – Go out with a coworker. so a full-sized entrée is more than you should be eating anyway.
which make buying generic batteries tempting – although usually a poor choice. Your best bet is a lithium-based. Generic vs. What’s worse is that they are also quite expensive. is based upon how well AA batteries last and function in a high-use device such as a digital camera.Get a Charge from Saving on Batteries Click Here to Read This Online (Coming Soon) Batteries – it seems like everything we own needs a set. It does make sense to read the reviews when you purchase your batteries. they are half the price or even less. From the kid’s game systems to the flashlight and the phone. The unfortunate fact is that a generic battery rarely lasts like a name brand. Over time. Batteries are tested for life by an independent consumer agency. you have the option of keeping an extra set or two on hand so there is always a replacement set waiting. While the outlay might be a bit higher than standard batteries. after all. Rechargeable Batteries There is little doubt that rechargeable batteries offer something regular disposable batteries don’t: an opportunity to do something for the planet.COM 159 . since both the best and worst batteries were actually made by the same name brand company. Their test. Let’s look at some of the ways you can get the battery power you need without depleting your savings accounts. batteries are ubiquitous. The top rated battery out-performed lower ranking options by more than 400%. so you can see why paying double would make sense. the industry standard. name brand battery. but they aren’t appropriate for all uses. assuming you recharge regularly. you will save money by using rechargeables. Name Brand Picking up batteries as the dollar store can be a real temptation. though. Presented by MONEYNING.
Finally. they are perfect bulk purchase items. Make use of coupons. This prevents accidental usage. Each year when it is time to switch out my 9-volts in the smoke detectors. Since batteries last for years. The big advantage of buying large quantities.COM 160 . is that you really can save a lot of money when you compare the bulk pack to a regularly priced 4-pack. Apparently. remember to take batteries out of items you don’t use often. Presented by MONEYNING. I buy the big pack too. but hey. especially if you can pair them with supermarket discounts.Coupons and Specials By signing up for e-mails and offers. they are my few dollars. Combine and Save There is no hard and fast rule when it comes to batteries. I’ve bought name brand batteries for as little as $1 a pack with a coupon when they are on sale at the market. The last thing you want to experience is going for your flashlight in a blackout and finding out that the batteries are dead because one of the kids left the light on months earlier. It may only save a few dollars. since the outlay remains higher at this time. A combination of rechargeable batteries and disposables will give you the best when it comes to meeting the needs most household’s experience. especially around the holidays. we have way too many battery-operated devices in our house. but my family goes through that pack in about three months. and you have to watch the prices. without losing power. you can always increase your savings. It is probably best to acquire the rechargeable batteries slowly. Discounts for batteries are common. Bulk Purchases Buying 48 batteries may seem like a lot.
With interest rates at historically low levels.4 Ways You Can Save with a Second Mortgage Application Click Here to Read This Online Applying for a second mortgage may become necessary if you want to renovate. That doesn’t mean that you have to blindly shell out whatever fees and charges a particular lender requests. and how.COM 161 . sit down and assess the fees. Sometimes you can get an additional interest discount if you agree to have your payment taken out of your Presented by MONEYNING. Discuss how long it will take to pay the loan. Under most circumstances you will get better terms as well as consistency by applying for a fixedrate loan. not the needs of the lender. and other hidden fees. though. but it can make a big difference on a long-term loan. when. Pay particular attention to early payment fees. there is virtually no reason not to lock in. A lower interest rate on a short loan may not be worth the higher fees. and ask them to make a proposal based upon your credit reports and financial situation. Just as you have choices and options with a primary mortgage. interest rates. expand. Once you have your offers. so do some comparison shopping. Run the figures and figure out which deal is best for your needs. Check the Terms Every lender is different. you have the same flexibility here. or finance a purchase. Compare several lenders. Pick Your Terms Carefully If the sub-prime mortgage crisis taught us nothing else. and any other relevant data. terms. it has made us aware that adjustable rate mortgages can be a real problem if you aren’t careful. penalties.
Find out what other options you have to reduce your rates. it can alleviate some of the stress involved in taking out a second mortgage. but Politely While a lender may try to make you feel as if they are doing you a favor by loaning you money. From reductions in fees to discounts for applying online instead of in person. the fact is that you are the one doing the favor.COM 162 .checking account automatically. The Hidden Savings One of the advantages to taking a second mortgage instead of a line of credit or racking up debt on credit cards is being able to deduct your application expenses and interest payments from your income taxes. your goal is to prevent that from happening. Remember. the contracts are drawn up in such a way as to separate you from as much of your money as possible. With good negotiation. Their income depends upon your interest. Being able to show other offers you received during your search will provide a good incentive for your loan officer to work harder for your business. there is almost always a way to reduce how much you spend for your second mortgage application and process. proper arrangements. Presented by MONEYNING. you can save money in various ways. they do exist. Negotiate Aggressively. While this is certainly not a good reason to incur more debt. Just about everything can be negotiated. and an eye to the additional benefits of taking a loan instead of accumulating bad debt. from application fees to rates and right on down to postage. Look for Specials While it may seem strange to get a special on a loan.
though. enjoy a private compartment. consider joining the Amtrak member plan.” expect to pay between $200-500 more. Booking early. Also. In fact. When you compare the fare of tickets from Denver to New York for a reclining seat and a room. Just like planes. or spread out – to some degree – you will pay for it. and making use of bargain passes are all traditional ways of cutting a train ticket’s price dramatically. things are much less accommodating. but there are still ways to save. or are traveling with a child. depending upon the size of the room involved. traveling at odd times. space is a luxury when traveling. you get points for your miles. since the government started subsidizing Amtrak. In the US. so they can really add up. the AARP. How Much Room Do You Need? As always. The reclining seat will set you back about $300 but if you want to get a “room. make sure to ask for your discounts. and those points can be used for free trips. just as you would with an airline club. trains have a limited amount of space.COM 163 . the difference is shocking. and if you want to be able to lie down.Don’t Get Taken for a Ride with Full Price Train Tickets Click Here to Read This Online There are plenty of ways to play the system in Europe and get cheaper train tickets. Check for Specials Presented by MONEYNING. or are still in school. These range between 10-50% off the full price. Make Use of Memberships If you belong to an auto club. rail prices are equal – if not higher – than plane ticket prices. or are a member of the military or a vet.
There is no way to determine the value of what you and your family share as you travel by train. especially in light of the increased time. Travel packages are often less expensive than trying to book all the disparate elements on your own. Tours. you have no connection to what you are traversing. think about having the train company book all of the details for you. meals. new specials are announced.COM 164 . If you join the crowds you will pay more. is the opportunity to see something of the country through which you travel. just as it does everything else. Every week. everyone is vying for your travel dollar. Not everyone is comfortable flying. and train travel still has a touch of romance for some. and train schedules are all organized and coordinated for you. if you travel when everyone else is staying home. Perhaps the best reason to travel by train. Basic supply and demand will affect train ticket prices. but keep that in mind next time you are thinking about how transportation. this is a great way to get tickets for a lot less. so you save on stress as well as on tickets.000+ feet. such as around the holidays.With the economy in a slump. Presented by MONEYNING. When you hop on a plane and spend a few hours at 30. hotels. Travel Off Peak There are times when traveling is more popular. and if you are traveling for vacation and have some flexibility in schedule and location. you will pay less. Consider Booking the Whole Trip If your goal is leisure. and train services are no different.
While still more expensive than CRT monitors. things have processed but best of all. as that is the most popular. then you can really appreciate the progress. bringing them into the reach of most computer owners. the prices have dropped a great deal in the past few years. On the other hand. getting a low end LCD monitor may be the lease expensive way to enjoy this technology without breaking the bank. LCD Monitors Lighter and brighter than their CRT cousins.Cheap Computer Monitors are Just Fine Click Here to Read This Online Fortunately. LCD monitors have stepped off the laptop platform and are now commonly used with desktop models. are going to be cheaper. Some users prefer them because they don’t look quite as pixelated as LCD monitors. If you have been around to watch the progress of computers from the days before monitors. prices have dropped. we are a long way from the day that purchasing an inexpensive computer monitor meant that you were getting a dud.COM 165 . Needless to say. I remember when a machine with 128K – yes K – cost a couple thousand dollars. if you can still find them. they take up a lot of space and consume more energy than other screens. The best deals are for monitors in the 17” size range. to orange and green screens that were as large as a small fridge and on up to the LCD screens of today. CRT Monitors In general. CRT monitors. As quickly as technology changes. Size Matters Presented by MONEYNING. especially when the screens get larger.
and you can get a much better deal on a monitor when the new ones make it to the shelves. the price will drop. computer monitors. go online and purchase what you need by the component instead. Once you move beyond standard-sized screens. you can get by with a 15-17” screen with ease. trust me. Consider Refurbished If you are looking at the LCD monitors and really don’t want to pay full price. When a newer product replaces the old version. the monitor was repaired and made available once more.The larger the screen. There are plenty of reliable vendors who offer CPUs. just like in every other retail product. a savings of 20%. for $50 less then the current model. Once they return to the manufacturer. If you play multiplayer online games or write computer programs. but you are usually being offered whatever the store has to move. consider refurbished models. Wondering how much you can save? I have seen deals of 30-90% off the original price. I’m sure monitors reflect similar savings. you may require a larger screen. all you do is keep your financial records. prices go up quickly. it pays to wait. Wait for Year-end Sales In computer monitors. I just got a Netbook that was last year’s model. and as with everything that is computer related. Avoid Packages Packages may seem like a good deal. The monitor doesn’t have an expiration date. exact same features and size.COM 166 . These are usually models that had some minor defect out of the box. wires and everything else you could possibly need to get your system up and running. Most models are cheaply made and aren’t worth the price you end up paying for them. Presented by MONEYNING. As a case in point. the more you will end up paying for it so think it through. model years come and go. and surf. if. write e-mail. Instead. however.
getting kid’s jeans anywhere else is just plain foolish. small changes in color. but you can’t beat these prices. seems kind of like hitting the lottery. keep your eyes open for sales. and then make sure to turn up first thing on the day of the sale. Since kids outgrow their clothes faster then they wear through them. There is no reason to pay full price for jeans. Look at Thrift Shops and Goodwill A pair of name brand jeans at a thrift store or Goodwill will set you back about $6 if you are looking at adult clothes and about $3 for kid’s pants. If you are in your favorite jeans store and the pants you want are still offered at full price. and so forth cause jeans to go on sale regularly. let the savings soothe your worries. isn’t worth anything if they don’t fit well. Once you find a brand that fits your shape. and unless you are a starlet. Presented by MONEYNING. some even have original tags. Get What Fits But Only on Sale A pair of jeans. Paying more for a pair of pants just because they have a specific label on them is a waste.COM 167 . Different stitch patterns.Buy Jeans at Full Price? Never! Click Here to Read This Online Jeans are as American as apple pie. no matter how cool. Jeans are one of those items that change regularly. If it seems odd to wear something that was worn by someone else. Many of the items that arrive at the thrift store are barely worn. however. under most circumstances. Finding a good pair of jeans at a good price. new jeans in the wash and enjoy. name brand pants. there is little reason to buy top-of-the-line. ask the sales people if they know of an upcoming sale. I don’t care how good a sale you find. Drop those cheap.
and you get clothes you want without running all over town checking different stores. separate clothes by style – shirts on one table. in decent condition. Presented by MONEYNING. Set the rules.Garage Sales Clothes are one of the most common items at garage sales. pants on another. take anything left to Goodwill. but only look for “lots” rather than single items. and not smell of smoke. or whatever is important to you. You save on shipping because it is a single lot. and since jeans are likely to outlast the kid. everything must be washed. Jeans go for as little as $0. Auction Site Lots Another good way to get a set of similar jeans for a great price is to check out the online auction sites. Anyone who brings items can take others home. At the end of the day. You get clothes for nothing and you do a good deed too. arrange clothing swaps a couple of times a year at your school. Chances are if you found one pair of jeans.25 a piece. etc. Lots are groups of clothes – usually the same size – and often the same manufacturer that someone is selling off. there will be a whole set you can get for a couple of dollars. On the day of the event. kids grow fast. and you can take advantage of someone else’s change in size.COM 168 . For Kid’s Jeans Arrange Swaps As I said before. You can even set aside specific subsections based upon sizes.
In a market where sellers are desperate and banks are sitting on homes for months. and you can see why buying now may save you a lot of money. Know your Market The first step to getting a good deal is to know your market. Due Diligence Counts Even More Presented by MONEYNING. After a few years you can toss in a few extra dollars of principal each month. The basics remain the same nevertheless. so make sure you do your homework. Fifty miles away. There has been very little change in home prices thus far. points. and pay off the loan faster. the story is quite different though. Add to that the historically low interest rates. good properties don’t sit long. and commissions are all open to debate. With officers moving in and out constantly on a 2-3 year rotation. That way your payments won’t increase over the life of the loan. title search fees.COM 169 . this may be the perfect time to consider one. Pick the Right Mortgage Buying a home involves all sorts of legalities and paperwork. people upside down on their mortgages. and a glut of homes on the market. Between foreclosures. For example. you will find it quite easy to convince a lender to forgo some fees just to unload a property. as the real estate market has just about bottomed out in certain markets.Now Makes for a Good Time to Save on Real Estate Click Here to Read This Online If you don’t own a house. Mailing fees. I live in a highly military town. you have your pick of properties too. A fixed mortgage is your best option if you can get one. Certain areas are not as heavily affected by the downturn in the economic climate. Closing costs are always negotiable in some form or another.
higher property taxes.Because people are eager to get out of their homes. Larger homes have more maintenance. With auctions. increased heating and cooling costs. you need to be particularly careful when negotiating a purchase.COM 170 . but consider the future implications. and it can add up over 30 years. so take the time to make sure you are comfortable with ownership before you decide. The mortgage. you also need to bring cashiers check and be willing to pay on the spot. Getting a house is expensive. Spend the extra money to have an independent home inspector. will be larger than that of a smaller home. so you will need to have your financing in place before you make bids. The longer they have it on the books. Look for Deals on Auction When a bank forecloses on a house it wants to get rid of it as soon as possible. Foreclosure auctions are an unfortunate reality today. It can be very tempting to get a larger house when you can get a great price on it. even a reduced one that results from buying a home that is in foreclosure. the more it costs them. they usually offer the homes for the price of the remaining mortgage. Presented by MONEYNING. and more cleaning to do. This is especially important if you are purchasing a property that is being auctioned. Make sure to schedule a walk-through before closing and then follow through. Buy Only What You Need One of the most expensive mistakes you can make when purchasing real estate is to buy more than what you need. but you stand to save a lot of money if you can get your home this way.
Think about simply investing in a set of inexpensive tee shirts. winter pajamas arrive at the stores in early fall. There is a lot to be said for getting your sleepwear at bargain shops. if you are purchasing for kids. After all. or even as hand-medowns. Presented by MONEYNING. Get them a couple of sizes larger to use as gowns for a girl and with sweatpants or underpants for a boy. not to mention the social situation. Buy Seasonally Assuming you need to purchase pajamas for a number of individuals. In fact. Below are 3 additional ways to save on what's pretty much a necessity for most people. though. thrift shops. and if you can wait until about February you will find that they go on sale. you will also have to anticipate their sizes a year later. That means waiting out the season. Of course. For example.COM 171 . but make sure they are warm enough on the nights you plan to wear them. It isn’t unusual to find half off or more. You can also use clothes that have gotten too small to wear day to day. the primary goal of nightwear is to keep you covered and warm. Use some fabric paints to decorate your new night clothes to suit the wearer. the cheapest set of pajamas came with you when you were born. Buy Off Brands or Other Clothes You don’t need to get the fanciest pajamas to stay warm at night. and there are times when the weather might have a say in your decision. sometimes dramatically. it is always best to anticipate and buy out of season.Pajamas on the Cheap – 3 Ways to Save Money On Sleepwear Click Here to Read This Online The first issue many people have when it comes to sleepwear is a preconceived notion about what is appropriate sleepwear. Choosing to sleep in the buff is not for everyone.
so keep your money for something that is more important. remember that hand-me-downs aren’t the end of the world. is to use hair Scrunchies to keep arms and legs in the right place.COM 172 . If your children attend sleepovers. and ease are all that is required of any nightwear. even if you can’t sew by using hem tape with only a hot iron and a good eye. Cotton is flammable but can be treated and if worn snuggly it is considered perfectly safe. Polyester is fire retardant but melts when subjected to high heat. just usable. invest in one nicer set of pajamas that they can take with them when they go out. Safety Issues Most night clothes are available either in polyester or cotton. if you have several children. warmth. It doesn’t take much effort to hem a gown or a pair of pants. Presented by MONEYNING. You can manage such repairs.Go Large and Use it Longer If you are purchasing pajamas for young kids. Comfort. Don’t spend large sums of money on pajamas. rather than flopping about. seriously consider getting a size larger. Of course. That will alleviate any social concerns they have while still saving you lots of money. Another option. Night clothes don’t really need to be fancy or perfect. especially with footy pajamas.
don’t worry. I don’t know about you.Get Sports Tickets to the Big Game Without Spending a Fortune Click Here to Read This Online Tickets to an official NFL. If you are disabled and have been avoiding games because you fear the price and the climb to the nosebleed seats. when it comes to taking my kids to the game. Calling immediately will get you better seats at the same price. Presented by MONEYNING. the harder these seats are to get. NBA.COM 173 . there are many ways to get good seats without applying for a mortgage. Every professional sports team offers a limited number of seats at a significantly reduced price to those individuals who need easier access. Are they the best seats in the house? No. or NHL game can easily cost $100 or more. These seats are usually in a very convenient place. Are they perfectly acceptable? Yes. MLB. and usually unobstructed. and that cost is for the bad seats. for access. Let me tell you. Half-priced Seats Did you know that many professional sports events offer half-priced tickets? For a number of reasons. the view is clear and once you get up there. good Broncos tickets will set you back nearly $400 per seat. Here are a few ways to save. I am very reluctant to make use of my classification as someone who is partially disabled. so plan ahead and keep on top of the date when tickets go on sale. and are easily served by the escalators and elevators in the building. teams offer a specific number of half-priced seats for each game. Fortunately. The more popular the game. While you frequently end up in the rafters. but I don’t think that taking a family of four to a game should require a loan. Right now. I’m willing to do it. Disability Advantage Under most circumstances.
and then split the days you each attend. but those seats exist for a reason. Go College! Granted. however. pack up your tailgate party. it is a good way to get in for the game at a reasonable price. and if you have an attendee who qualifies. Pair up with another family and halve the cost. it is a good way to get in for the game at a reasonable price. however. there is nothing quite like the thrill of game day in a big stadium. the enthusiastic fans and the savings are enough to make you cheer. Season tickets are released annually based upon the number of tickets that aren’t renewed. Consider Sharing a Subscription The waiting list for season tickets can be several years long. No matter which option you choose. The smaller stadium. and tickets to their football games are only $50 per game at the 50-yard line. It might seem cutthroat. and if you have an attendee who qualifies. but in the mean time you can use the above strategies. and enjoy your favorite game and your favorite teams on a budget.It might seem cutthroat. you get access to all the games and for considerably less than you would spend for each ticket individually.COM 174 . so it can be a bit of a gamble. For an investment of $500-$1000. but those seats exist for a reason. college level teams are amazing to watch. it is well worth considering. If you goal is to watch a great game for a bargain basement price. Presented by MONEYNING. The United States Air Force Academy isn’t all that far from the Bronco’s stadium. this is the way to go. if you are an avid fan. bring your enthusiasm.
If there is a joining fee. so take the time to group your sale. compare the benefits to the cost. Insist on payment upfront.Get your Concert Tickets for a Steal Click Here to Read This Online I used to tell my kids I was too old for concerts. mostly because the idea of shelling out $100 for tickets just didn’t seem reasonable. Only you can decide if it is worth paying a fee to join a club. Finally. early sales. consider going online and getting a group together. If you don’t have friends who want to attend the same performance. you can usually get a bulk sale price. Buy in Bulk Chances are that if you like a band. This is good for the affiliate and the vendor. These affiliate sites get paid to direct Web traffic to a specific location in the hopes of a sale. Join the Fan Site Some bands offer discounts.COM 175 . and you get to pay less for an act you want to see. make sure to keep up on updates and any other information that will help you score tickets for less. You can save 10% or more by purchasing together. cheaply. Look for Promo Codes Some websites offer promotional codes on tickets. and it was time to put my frugal foot forward and find a way to attend. As the prices of concert tickets kept climbing. though. there was no way to even consider attending. a band I really liked came in to town. and other benefits for their members. Once you get to 10 tickets. so do some of your friends. Once you have joined the club. Time Your Purchase Presented by MONEYNING.
Few things are as wasteful as purchasing fake tickets. as the supply decreases the price will increase. and you get an up close and personal experience. but they also usually donate the money to a charity. get tickets as soon as possible. By the time you try to get in to the show. you can purchase tickets to these performances. I realize that this style of music isn’t for everyone. there should be nothing holding you back from enjoying top-notch entertainment on a budget. If you want tickets for a moderately-known group in a larger arena.COM 176 . They do a promotional event for the local radio stations or play at some of the local dance clubs in a private performance. With new printers. your scalper and your money are long gone. Skip opening night if you can. turn up in town when they are playing other local venues. scalpers can recreate those digital tickets that are supposed to be unique. and sometimes even-well known performers. compare your prices. Presented by MONEYNING. Newer bands. but the principle is sound. Now. If you are a member of the radio station’s fan club. Look for Special Shows I live in a country/western town. Now that you know how to save money on concert tickets. Shop Around Even concert ticket prices will vary from one dealer to another. chances are prices will drop as the concert date gets closer. and only purchase from a reputable dealer. Not only are prices dirt cheap.Are you searching for tickets to a very popular group in a small venue? If so.
Between 5th and 8th and 37th and 38th. How much exactly depends upon the website or distributor. That is perfect if you are sharing the fabric with a bunch of quilting friends. Join the Mailing List It’s an old trick to get your contact information. On the other hand. I am on two such lists. or any other use can be an expensive endeavor. Manufacturers line the streets. it just means you have to be smart with your money. you want to join the mailing list. You might get away with as little as 10-15 yards on a bolt. people rush around pushing trolleys of samples. just like other wholesale items. but if you sew regularly. some bolts are 100 yards or longer. Here are a number of ways you can get as much fabric as you possibly need without spending a fortune. and that is really too much for a casual sewer. you can head for the Garment District. and you can pick up unusual fabrics for a song. The catch? You have to buy a lot. Some upholstery materials can cost well over $75 a yard. cost less.COM 177 . How much less? Sometimes they are pennies on the dollar. Think Wholesale Wholesale fabrics. Make sure you ask before you order. Hit the Garment District If you are lucky enough to live in New York City. crafting. you will find the historic area where fabric has been selling for decades.Stock up on Fabric for Less than You Expect Click Here to Read This Online Purchasing fabric for sewing. This doesn’t mean you are consigned to the bargain bin each time you want to sew. and every month I get a mailer that lists the Presented by MONEYNING.
When nothing but new will do. you can end up getting fabric for 75% off or better. A season is coming to an end and some of their fabrics didn’t sell. who says you can’t buy the fabric in January and keep it until the next year? Your kids will need new clothes next summer. Consider Alternatives Just because it didn’t come from a fabric store doesn’t mean it can’t be used for just about anything. buy classics and stock up when the fall arrives. that is a winner for me. Slowly building a good stash of fabric will also make you less likely to spend on impulse. fleece blankets can be tied together to create the popular tied fleece throws. sheets.COM 178 . so avoid faddish materials. Presented by MONEYNING. Consignment shops have plenty of clothing. Fleece can be turned into pillows. Sales are Superb Every fabric store in creation experiences that same dilemma. Always make sure to check what you have before you buy something else. as not buying anything is the best way to save money. One is always a 40% off coupon on one cut of fabric up to 5 yards. If you want to make everyone a Christmasthemed fleece jacket. Sheets make great curtains or fabric for summery girl’s dresses.specials as well as provides two coupons. If you aren’t finicky. and any really large items can be cut apart and used for smaller sizes. and fleece that can be re-purposed for sewing.
COM 179 . Go Online It will come as no surprise that some of the best prices on perfume or cologne can be found online. some caution is in order. and frankly. if you know what you are searching for. bulk purchases. Anyone can pretend they are selling the legitimate product. and deep discounts. it just isn’t worth it. Nearly everyone has had the experience of being given a scent they don’t use. While this isn’t a good way to try a new product. an enterprising individual sells them online for a few dollars. People get very attached to a particular scent – and that’s fine – but that isn’t a good way to save. Make sure to check reviews of any Web site you are considering. it can be a great way to get a standard. That said. Department Stores Presented by MONEYNING. In addition. That doesn’t mean you will get what you think you are getting. Other times. Having a few different scents in your palate will increase your chances of finding what you want without spending too much. Many times these bottles of cologne/perfume end up in the closet gathering dust. looking off the beaten path can help too. You can find just about every scent in the world online in some capacity. go elsewhere. Auction Sites Auction sites such as Overstock and eBay are also good places to find scents. It is the old story of low overhead. If you find a consistent history of complaints.How Much Should You Spend on Cologne/Perfume? Click Here to Read This Online You can spend a fortune on cologne/perfume if you aren’t careful.
When holidays roll around.It’s hard to believe. you will save money and still enjoy your fragrance. many companies offer sales. and other perks to regular customers. and more.COM 180 . and if you purchase good products. No matter which cologne/perfume you like to wear. If you are already dusted with perfume-scented powder. a dab behind each ear is all you need to raise the bar. Presented by MONEYNING. Remember that even perfumes have a limited shelf life. and you can have your scent and smell it too. Among the collection of designer dresses. kitchen wares. so look for money-saving opportunities. but even department stores can be a source for inexpensive perfumes. bath gels. While you can no longer be assaulted in a store by a spray bottle wielding salesperson. These alternatives are usually less expensive than the perfume and provide an all over appeal. not overpower. Consider other Products Many popular products can be purchased as powders. you can certainly experience a similar feeling when you smell some people. make sure to get offered an extra as well. Scents are meant to enhance. This is a particularly useful place to search when your favorite scent is being phased out or a special holiday bottle was in use for a short while. lotions. and luggage. Learn how to minimize your usage. you can find many fragrances. stocking up when you find a good deal is a decent option. free samples. Your perfume will last a long time that way. Use Sparingly As a culture we overuse our scents. If you have to get something at these prices. Outlet Stores Some stores specialize in selling department store discards. you don’t need to overdo it.
Barring the option of skipping all such gatherings. so Presented by MONEYNING. or you just like attending hobby based events. Keep in mind that some of these ideas work better when you are at hobby conventions than at business tradeshows and visa versa. purchases. That means that if you plug in the address of the convention site. there are several things you can do to cut your costs and still enjoy the experience. Motel 6 is bound to be cheaper than the Marriott. travel. That doesn’t mean this is your only option though. you know that the experience can be prohibitively expensive. Choose Alternate Accommodations When a group sets up a convention or trade show. call them and ask if they want to share a room. and it pays off for some attendees because they get a cheaper room in a convenient spot. Let’s face it. they usually arrange for a group rate at the hosting hotel.COM 181 . Add up the cost of a room.Attending Tradeshows and Conventions on a Livable Budget Click Here to Read This Online If you are in a line of work that requires periodic attendance of tradeshows and conventions. even if the latter is offering a good discount. This pays off for the hotel because they know that they will book a large number of rooms. food. Almost every hotel room comes with two queen-sized beds. you are likely to find a number of other accommodations nearby. and more and you will start to see just how profoundly you attendance will affect your bottom line. Share a Room If you know someone else who is going to the same tradeshow. It is not at all uncommon to find several hotels and motels clustered in a relatively small area in most cities.
Members get free breakfasts. Pack snacks. condiments. I pack a couple of bags full of snacks that require no preparation and then I pack drinks. protein bars. even indulgent ones. and we save a ton of money. I wander the aisles of the vendor area and pick up any freebie I think might use. mouse pads to hand sanitizer. and nuts are perfect for snacking at any time. I always bring an extra folding bag and a couple of shopping bags. Take Free Stuff When I attend tradeshows.you won’t be sharing the bed. Quick oatmeal pouches are an ideal breakfast since most hotels now offer a small coffee pot in which to heat the water. even if you stockpile your points and use them to take a cheaper family vacation later on. They can all pick a few items. Once you get a cooler into the act. and more in the cooler. There is no reason you have to eat every meal out of a restaurant. deals on rooms. veggies. join the hotel’s club. As these clubs are usually free. While this might not have a direct impact on what you spend on this trip. Join the Club If you attend a tradeshow or convention regularly and it is held in the same location year after year. and with a little respect and courtesy you can share a room for a few days and save 50% on accommodations. you have many more options. Pack a Cooler Food is likely to be your next largest expense. it all adds up somewhere. and other perks. I’ve acquired everything from highlighters to flashlights. Presented by MONEYNING. If you don’t want to pack a cooler. or fast food joint. fruit. cold cuts. and you have gotten something for nothing. you can only win. and all have been put to use at some point or another.COM 182 . When my children and I go to the board gaming convention every year. snack bar.
Tradeshows and conventions. Presented by MONEYNING. They don’t. whether for business or pleasure.COM 183 . have to cost a great deal. are great fun. however.
French toast is another good way to use eggs and stale bread. and other nutrients. For a few cents a serving you can cook up a big pot of hot cereal and feed everyone. grits. Don’t purchase these in small. Add any leftover meats. You get eight servings for a couple of dollars and some leftovers. sugar. like my son. Eggs can also be used to make a quiche for breakfast.COM 184 . If you want to increase the health benefits. Pour the mixture into a pie shell. some toast. Mix your eggs with a bit of milk. who never eats breakfast. and you are ready to go. you can get a dozen eggs for about $1. sustaining breakfast for less than $1. and a bit of cheese to four eggs and a cup of milk. Here are a few ways to save some money on this essential meal and still enjoy good nutrition and taste. Presented by MONEYNING. veggies.Saving on Breakfast. especially if you get individually-wrapped items. Starting the Day Right Click Here to Read This Online (Coming Soon) Unless you are one of the unique individuals. food bars. and quinoa all make fantastic breakfasts. toss in a piece of fruit or add some veggies to the eggs and make an omelet. Eggs are Great Aside from the fact that an egg provides essential protein. Two eggs. oatmeal. Name brand cereals. chances are you start every day with this meal. choline. and cinnamon and fry it up. Each person can put their own choice of toppings. get them in the bulk bins at your local healthy food store. Hot Cereals Cream of wheat. and let it bake for an hour until the eggs have set. lutein. and protein drinks can cost a bundle. and OJ make a healthy. name brand boxes.
Generic Brand Cereals You don’t have to purchase name brand cereals to enjoy cold cereal in the morning. Generics work just fine, and if you have teenagers in the house you understand how much they have to eat. I have seen my kids go through a box of cereal for snack in the afternoon; there is no way I am spending more than $4 for a box. Some of the generic cereals even come in really large bags that will take a teenager several attempts to finish, and the price per serving drops dramatically at that size. Think Leftovers Around my house breakfast foods are not the only thing that gets eaten for breakfast. Leftovers are very popular, as is ramen soup. At less than $0.20 a pack ramen is a great bargain, and if you add an egg to the broth you give your kids some protein as well. What about Eating Out? There are ways to eat out and not spend a bundle too. Coupons are your friends. Buy one, get one coupons for the major fast food chains are always turning up in the mail. Plan ahead and use them. One restaurant chain offers a free breakfast sandwich from time to time; that is a great day to go out for breakfast. Another chain offers free pancakes one day a year, but plan to get there early. Breakfast is the one meal where you can really save a lot if you plan ahead, buy in bulk, and think outside the box. Enjoy your savings.
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Bargain Priced Massage Can be Good for your Body and Wallet
Click Here to Read This Online Many people view massage as a luxury, but it doesn’t have to be. Aside from the fact that massage provides a number of important physical benefits, such as lowered blood pressure, greater range of motion, and an immune system that works better, it feels great. Still, some places charge $100 for an hour of basic massage, and that can be very hard to justify on a limited budget. If you know the systems, though, you can get good massage for a lot less. Here is how. Find Schools No matter where you live, massage therapists must get some education to hang their shingle. Pull out the Yellow Pages, open a browser, and find out where the schools are in your neighborhood. Call the schools and find out if they have a student clinic; chances are they do. Students are required to document a certain number of hours in a clinic before they graduate their program, and only the “senior” students work in the clinic under normal circumstances. The best part is that you will usually pay less than half the going rate for a professional massage. Of course, there will be some variability between massages, even though all the students learn the same techniques, but if you find a student you like, you can stick with them until they finish their clinic hours. Search for Promotions New massage therapists often advertise their services in local money saver magazines. This is a way for them to build their business. They offer discounted massages as a way
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to get you in their office in the hopes that you will return later and pay full price. How much can you save this way? It varies. Some will offer a few dollars off, others half off. You should also ask if a therapist offers a discount if you purchase several massages at once. It is fairly common to give a discounted price if someone pays upfront for three or more massages. You may not save as much as if you jump from promo to promo, but you will get more consistent treatment. Barter Many massage therapists will barter their services. If you have a service you perform, for example if you design websites, business cards, or any of a number of other options, you may be able to barter your services for massages. I have a friend in the business that has had a deck put on her house and her basement finished and is now working off some landscaping all for her massages. Everyone walks away happy, and all you give up is some time. Silent Auctions Many therapists donate a massage or two to fundraisers. The catch with silent auctions is that massage is often a very coveted item, which can drive the price up. This takes a bit of finesse and knowledge of the market, but these fundraisers are definitely a great way to score a few massages for less than retail. In my town the average massage goes for about $55, but in my parents’ town it goes for $80. Paying more than about 60% of the face value is not really much of a bargain, even if the money is going to a good cause. With a little creativity, some good bargain hunting skills, and a willingness to be a guinea pig for a student, you can find well-priced massage just about anywhere.
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Cheaper China for Your Home
Click Here to Read This Online China holds an iconic place in our perception of entertainment and value, as many couples still seriously consider requesting china when they get married. Before you opt to spend, or have people spend, hundreds of dollars for dishes, consider the following points. Will you Use it? This is a critical question. I, for example, have china I received for a wedding present 20 years ago. I make a point of using it as often as I can and that still works out to about 10 times a year. I can’t use it daily because I have children who drop things. For daily use I have some shatter-resistant glassware. If you are not the formal entertainment kind of people, chances are you won’t use china often enough to make it worth while. This is a serious investment, so think it over carefully. Can You Get it Elsewhere? The Goodwill store, estate sales, even discount department stores often have full sets of outdated china. As long as you are not searching for a specific pattern you can find many lovely things this way. When my mother-in-law was collecting plates from a botanical set of china, they cost $20 per plate at the high-end department store and $8.95 at the discount store. We kept a list of which plates she already had and just got new ones as we could afford them. That was a significant discount.
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This is the time to snatch up the best bargain. and keep it in a cupboard away from dust. I stocked up on 12 sets. If you own china. Traditional Standbys Of course. there are the usual ways to save money that you can employ on china as well. place fabric between individual dishes. if you like the pattern. China is a luxury item that is hard to justify when you live on a tight budget. look for sales and store-based coupons. and I really hope that some day I can abandon the plastic and mismatched glass plates I have left after years of raising kids and move on to something prettier. so take care of them. but you need to be patient. Free is always a great price if you like the dishes. Just about every china pattern ever made eventually falls out of favor. In anticipation of this. when my local market offered Lenox dishes for FREE when I bought groceries. I like dishes. Shop at outlet locations and wait.You can even find single plates online if you are seeking to make up a set or replace one dish that has broken. Don’t put it in the dishwasher. get them. take good care of it. They sit in my garage waiting for the day I can bring them out. Good china will last for generations when treated right.COM 189 . At that point. Just about every supermarket runs a promotion on dishes from time to time. Promotional Opportunities Is it cheesy to get your dishes from the supermarket when it is running a promotion? No. Presented by MONEYNING. the manufacturer will be looking to dump stock at a lower price. I’m not ashamed to admit it. It can even pay to purchase a few extras to replace those dishes that break over time. If you are collecting a specific pattern.
10 increase per gallon can have an impact. but invest that $50 each year and they do. $1 a week may not seem like much.$0. and then used in one gas purchase. production. and in the last few weeks the increase has been double that. That is a significant savings if you make good use of it. During the holidays they allow up to $1. and cost. Another regular promotion involves credit for switching prescriptions to the supermarket pharmacy and another revolves around purchasing a certain amount of gift certificates. The savings can be accumulated up to a certain amount . they also run special promotions from time to time. If you know where to get your gas for less.40. Presented by MONEYNING. Fortunately. there are ways to minimize your gas usage and costs.00 discount per gallon. and even though there is no actual correlation between supply. they offer discounts for loyal grocery customers. In order to draw people to their gas station. Use Online Gas Price Monitors There are several sites that allow people to enter gas prices they spot at stations around town. the result is the same when it comes to your budget. The difference between one station and another can be 10 cents or more.Don’t Allow Gas to Guzzle Up your Budget Click Here to Read This Online Gas prices are on the rise again. Even a $0. over time it can really add up. In addition to the usual cents-off offers. Shop for Food and Gas at the Same Chain Many stores offer both gas and groceries at one location.COM 190 . One of the local supermarkets offers $0. demand.10 off their gas if you purchase $100 in groceries.
Change your oil and air filters on schedule to keep your engine running smoothly and effectively. turn off the engine. costing you several miles per gallon as you drive. Keep your tires inflated properly. or any other place for more than a couple minutes. Weight. By the same token. don’t sit in idle. Presented by MONEYNING. remove ski or bicycle racks or anything else that adds drag to the vehicle. Carpooling is another wonderful way to save on gas.COM 191 . You can also improve gas mileage by taking unnecessary items out of your car. and Resistance You already know that you should plan your trips so you don’t go back and forth over the same route. but the break-even point is fairly low. Chances are that the current price of gas won’t last. take-out window. Start adapting your driving patterns and gas-buying behaviors now and by summer time you will be ready. If you are going to be sitting at a bank window. and summer always brings a rise in prices at the pump. the less gas it will use. the engine does take a bit more fuel in start up than in idle. low pressure causes an increase in friction.Maintenance Helps One of the best ways to ensure that you get the most for your money when it comes to gas is to maintain your vehicle properly. Yes. Decrease Trips. Finally. The less your car carries.
Presented by MONEYNING. and for an individual who is relatively fit and coordinated.Expensive Yoga Isn’t More Relaxing! Click Here to Read This Online Yoga does much more for you than just provide relaxation and stretching. You improve your posture. Take some time to find out if the teacher is experienced and can alter poses in order to meet your specific needs. no doubt. Check Out the Gym If you already belong to a gym. The local library will. Check Out and Buy Videos There are many good yoga videos that you can use. and strength while increasing your ability to concentrate. flexibility. so it is easy to see why it is so popular. and decrease blood pressure. A single drop in class can run you $20 or more. you may even find it at the local community center. purchase them. The real problem that most people encounter with yoga is the price. and if you find a couple that you like. have a number of such DVDs. start by looking in to the classes offered. Many gyms offer yoga classes.COM 192 . there are other alternatives. Classes. even on a drop-in basis. this is a good way to try out yoga without making an additional financial commitment. Luckily. are much less expensive in this environment than they are at an established yoga studio. The benefits of yoga even extend to better self-esteem and improved relationships. focus. Monthly memberships vary in price as well and even triple digit pricing is common in some parts of the country. and most of them are going to be less expensive. Call the Community Center Because yoga has become so popular.
Barter for Lessons Unless they are working for a franchise yoga studio. If you have a service you can offer. and if you learn to work within the system. usually less than $10. $150 if you attend on a daily basis. Sometimes studios will discount the price of beginner classes. and learn your limits without the stresses of trying to keep up with a knowledgeable group.Websites that offer discounted DVDs make such videos very affordable.COM 193 . Try Free Trials or Discounted Classes Many yoga schools offer a week or two of free classes. buy a few and rotate through them. Remember to evaluate the contract with regards to what is required to terminate your membership so you don’t end up penalized if you quit after a couple of months. If you really like the program. Consider a Membership While the monthly membership may be. and if doing the same routine gets old. say. most of the teachers I know are willing to barter for private lessons. Another option is to ask about discounted classes. This is a good way to try out a school without spending any money. get to ask questions. it may very well be cheaper than just paying to drop in every day. If you don’t attend regularly when you are getting free classes. Figure out the per-class price you would pay with a membership. find out how you can get the best deal for your money. chances are you can make some sort of arrangement. Presented by MONEYNING. You get the opportunity to see the poses demonstrated at a slower pace. chances are you won’t when you are paying. Yoga can be a lot of fun. and compare it to what you are paying currently. reasonably priced as well.
discounts are most commonly offered weeks before the real holiday crush. you will probably pay less and have an easier time getting in. the school arranged for a picture once a year and that was pretty much it. and it can become a very expensive project. getting in to a studio becomes increasingly challenging. Today. Join the Club The main studio in our area offers a club for babies during their first year. If you insist on having the kids photographed regularly. The parent brings in the child on a regular schedule. If you happen to walk into a studio and see an incredible deal. you have several options when it comes to cutting costs. Be Prepared to Book As the holidays grow closer.Produce Portraits without Puncturing your Budget Click Here to Read This Online We tend to forget that it wasn’t all that long ago when people had their kids’ portraits taken several times a year. things are much more difficult. deals. To encourage people to sign up early. this can be a very good idea. you are also likely to get better pictures as your children won’t be constantly distracted and the photographer is feeling rushed. and gets coupons. we expect to have our children photographed every few months. and it scarcely seems to matter which holiday. These types of promotions are intended to get people in the doors so the studio looks busy. about once every three months. When I was growing up. book it. If you get your Christmas photos done at the end of October. If you wait until December. With fewer people waiting. and a least one free sheet of pictures each time. If you live far from family and pictures are your most regular form of communication.COM 194 . Presented by MONEYNING.
Some of the promotions are amazing. Getting the family portrait taken is almost a rite of passage for some. free sittings. start searching for coupons in advance. we like to take “casual” shots in jeans and a white tee shirt. there are plenty of promotional offers for a variety of portrait studios. but investing in a decent digital camera is a great idea. others not.Invest in a Camera It may seem simplistic. Once you have selected the best pictures. That doesn’t mean you have to drop a small fortune to get good results. and extra sheets with packages of a certain size. Take more pictures than you think you need so you don’t have to get everyone back together for more poses. Scan for Coupons Those circulars and envelopes that arrive in your mailbox all the time are loaded with coupons.99. or head out to the nearest park. You can also take a look around the Internet. we all use dress shirts in the same color family and occasionally move the furniture around to achieve a more professional look. Get everyone in similar colors. load them on a thumb drive and take them to one of the kiosks at pharmacies. some are useful. If you are planning to have your kids photographed. Get a couple of sheets in different colors to use as background. An SLR digital camera with at least 5 megapixels is really all you need for excellent photos. For formal occasions.COM 195 . 4 sheets for $7. Presented by MONEYNING. The key to good portraits is to set up the shot well. grocery stores or other locations and print out your portraits.
there is no reason not to ride the bus. depending upon the distance traveled. the popularity of the route. Commuter buses charge a remarkable range of fares. Still.25.20. Gas. with some charging as little as $2 per ride. it helps to know a few tricks if you want to save even more. you don’t have to wait for a scheduled bus. For example. insurance. wear and tear. making each ride only $8. but with a 10-ticket pass that drops to $27 and for a monthly pass $98. The advantage of riding in such a popular area is that there are many additional bus services. Compared to the $8 toll to cross the bridges in a car. and the amount of competition they have. and the costs are inevitably lower than driving on your own. and other intangibles add up quickly. a 40 ride ticket is $330. If you arrive at the bus stop at the right time. Take Advantage or Status Presented by MONEYNING. Assuming you commute an average of 20 days per month. Check for Passes Passes are a way to save even more money on a bus fare. A one way cash fare is $11. and you save even more.Buy Needed Bus Tickets for Less Click Here to Read This Online If you are planning on riding the bus to save on your commuting costs. you have made a good choice.COM 196 .45 per trip. Many cities and states offer bus service along popular routes. your rides have dropped to about $2. The same kind of savings can be found in Colorado where a new bus line has been created between Colorado Springs and Denver. if you take a bus from northern NJ to NYC you might pay $3.
but they generally need to be accompanied. or disabled. from carrier to carrier and from place to place. you’ll be glad you did. and they can be a good way to get to your destination if you don’t want to fly. Competition Helps Your Case Not all bus travel is commuting related. there are special fares for you. How much of a discount are we talking about? 50% or more. When it comes to popular routes. By shopping around you might be lucky enough to hit one of the occasional $1 fares. These newer lines have incredible deals from time to time in order to boost their business.COM 197 .If you are a student. Buses travel between cities. once again. Just like every other commodity. Keeping current ID. you don’t have to worry. The downside is that you may have a hard time finding carpooling partners. As long as you have bus service. Presented by MONEYNING. The same is true for children. Take the time to investigate your options. a senior. there will be more companies to choose from. Off Peak Hours One of the best things about a flexible schedule is that you don’t need to commute during rush hour. bus tickets can vary in price from day to day. getting necessary paperwork. you can take advantage of off peak rates. Many buses charge less off peak. That means that if you can arrive at work after the rush hour is over and then put in your hours. and making use of such perks will make bus travel even more reasonable. too.
everyone will want to lose weight. Looking for a place where yoga is tops? They exists too. we know how that usually ends but it also means that people will also have to try and figure out how to fit gym memberships into their monthly budget. In my area a monthly membership at the full service gym is $39 a month. chances are you are going to feel inadequate as well when faced with people who consider gym time a way of life. meaning that they will flock to the gyms to try and fulfill their goals. Consider Your Personality Getting to the gym is particularly challenging for women. productive routine. If you are never going to use the pool. Is it possible? Absolutely. then you are paying for it no matter what. the one that has no pool or racquetball courts is only $19 a month. so finding the right gym involves more than finding one that isn’t too expensive. Of course. there is no reason to join a full service gym with pool. a $240 a year savings. Not only will you pay more. Assess Your Needs Nothing will cost you more than joining more gym than you need. classes. A gym where Presented by MONEYNING. and a parade of personal trainers. then why pay for it? If the gym you join has one.What Should You Know to Save on Gym Memberships? Click Here to Read This Online Every now and again.COM 198 . it also means one that feels comfortable. Body issues appear front and center. how often you will attend and whether you want assistance to develop a good. search for a gym that caters to that crowd. What does that mean? If your goal is to get on a treadmill three times a week and that’s all. If you want a place where people focus on body building. Determine what kinds of exercise you intend to do.
Is it Cheaper at Home? The appeal of a gym is that it is a group activity and you can partner up with other people to boost your enthusiasm. and free second memberships for your partner are all common incentives. if you don’t mind the phone calls and e-mails you get as a follow up. once you are in the doors they want you to sign their contract. so don’t just agree to something that will cost you more money. If your gym isn’t a good match. you might want to consider investing in a couple of pieces of equipment and working out at home. Before you shell out your hard earned cash. You can get quite a few weeks of free gym time this way. Almost every gym will offer a trail of 7-14 days as well. Discounted monthly rates. Almost every fee is negotiable. Look for Promotions Promotions are available throughout the year because so many people are searching for gyms.everyone knows your name and is friendly may be great for some.COM 199 . then it's just money wasted because you won't go. but not for those who just want to get in and get out. If you definitely know which gym you want to join. waived registration fees. make sure you will get good value for your money. Remember. negotiate. Gym memberships are one of those luxury items that you become attached to very quickly. If you are short on time and don’t feel like sweating in a group. Presented by MONEYNING. Make sure you try out a gym and see how things work before you commit.
Costumes.COM 200 . and other equipment quickly add up. Presented by MONEYNING. let your kids try out the activity in a low pressure. Consider a Monthly Membership Many establishments that cater to adults. chances are that monthly memberships will pay off handsomely. the YMCA. or hip hop. there is no reason to pay for competition-level classes. it might be time to think about moving up. Take Classes at the Rec Center Townships.Finding a Way to Make Dance Lessons Affordable Click Here to Read This Online Dancing may just be one of the most fun ways you can spend your time. there are a variety of options. ballet. Talk to the school owner and see if an arrangement can be made. you may be able to attend competition-level classes without the fees even if you don’t intend to compete. Once you have mastered the needed skills. schools. Before you plan to shell out $50 a month for classes at a studio. If you intend to attend regularly. and other venues provide basic dance classes for kids. Whether you want to learn ballroom or line dancing. without constant reminders. in particular. The key is to find a way to take your dance lessons without breaking the budget. Skip the Competition Until you get to the point where you are committed and driven to compete in dance. If they like the activity enough to practice at home regularly. traveling. which is where these suggestions that are valid for kids and adults come in. shoes. cheaper environment. offer drop-in classes and monthly memberships.
It may take you a bit more effort to find the right combination – fun and frugality – but when you hit the floor with all the right moves. It was an ideal situation for all involved. you won’t have to pay for those lessons at a studio. and occasionally he would barter for services he needed. but for things such as belly dancing or line dancing. it will more than pay off. and contra dances. another evening they open a couple of hours early and teach couples dancing – the two step. Get a Video You can pick up DVDs at the library and learn the basics of some kinds of dance on your own. country waltzes. When the bar opens you have some new steps to show off. One day they offer family friendly line dancing lessons.COM 201 . remember that dance lessons are supposed to be fun. No matter which route you choose. You don’t even need a partner to join the fun. Look for Free Classes The local Country-Western club offers free lessons of various kinds. Clearly. it is no bargain.Find a Teacher and Barter One of my regular clients used to be a professional dance instructor. If you find a studio with prices you can easily afford but hate going. but for a while after he left the studio he continued to give private lessons at homes. Presented by MONEYNING. It may not be as good as joining a class but if you get the first few moves under your belt at home. He doesn’t work in the field any more. this isn’t a technique that will work if your goal is to learn classical ballet. it is perfectly acceptable. Couples or friends would hire him to teach basic classes.
First. Why is this? When you are an employee. Second. even if they support the services that those taxes provide. While you won’t recoup the entire amount. Any losses the company suffers are deductible from your taxes. A large percentage of small companies are run as sole proprietorships for a variety of reasons. No one likes to pay taxes. but one that is particularly popular with small business owners is the S-Corp. your employer paid half of your Social Security and Medicare taxes. though. S-Corps Can Save You a Lot There are number of ways to incorporate. At some point.COM 202 . you will save if you don’t make a profit in the beginning. If you own your business you have probably already found out that you must pay more taxes on your income than you ever did when you were employed by someone else. Part of the profits will Presented by MONEYNING.How Incorporating Can Save You Money Click Here to Read This Online For the small business owner. and there are some valid reasons to go through the effort. an S-Corp allows the owner to pay out part of the company’s profits as corporate distribution. the idea of incorporation comes up. it can really add up. This dramatically reduces the amount charged for Social Security and Medicare since a distribution isn’t the same as a salary. you must pay both halves: yours and the business half. Now that you own the company. the question of incorporating is a pointed one. That comes out to a fairly significant percentage of your income.
To find out what is required in your state. contact the office of the Secretary of State (SOS). and when you keep your books. but you can cut your taxes in half or more with such an arrangement. or savings account is on the line. any assets you have are in jeopardy if you don’t incorporate. and in a couple of days you will be legally incorporated. and you can even opt to do the whole job on your own. Online services can help you through the process. vehicle.remain as regular salary. Presented by MONEYNING. Even if you carry insurance for your small business. this means that you have to be very careful to follow appropriate procedures when you pay yourself out of your business funds. How much you will spend will depend upon the local laws. You can usually find all the forms you need and have your questions answered online at the SOS website.COM 203 . everything you own can be tapped in a financial crisis? Many business owners don’t know this until a problem occurs and suddenly their home. Of course. If you are ever sued as a business. Incorporation puts a layer of protection between your personal assets and your business assets. Incorporate Inexpensively You don’t actually need an attorney to incorporate under most circumstances. but it is well worth the extra effort to provide such protection. Protect Your Assets Did you know that if you run your business as a sole proprietor or contractor. none of your personal assets can be touched if you incorporate properly. when you deposit payments. at a cost. Each state will have specific guidelines for you to follow.
For example. requiring legal advice and being able to pay for it is not always the same thing.Getting Affordable Legal Advice is Possible Click Here to Read This Online If you are one of those lucky people who seem to lead a charmed life and never encounter any difficulties.COM 204 . chances are you can handle the process alone. Call around and get referrals from people who have needed similar legal counsel. an attorney isn’t necessarily required. from divorce to small claims court. other times. find out if you even need an attorney. chances are that the need for affordable legal advice has never entered your mind. Too many people make the mistake of paying for someone to do something they could do themselves. The first step is to be an informed consumer. Do You Need and Attorney? Before you go out and hire someone to represent you in a particular matter. if you want to incorporate your business. Do Your Homework Most lawyers in a particular area and field will charge about the same amount for their time. When you find yourself in need of an attorney. sometimes they are worth their pay. Presented by MONEYNING. even basic advice will set you back several hundred dollars. Why double your costs – or more – by asking a lawyer to do it for you? There are many states which allow you to file all sorts of papers without legal representation. there are several things you can do to minimize the financial impact. not. There will always be some who charge more. and retaining a lawyer will cost you much more. For the rest of us. As a recent consultation taught me.
reprocess documents. The plans are very limited and limiting. keep copies of all records. you lose more money when you have to bring your new attorney up to speed. don’t join those prepaid legal plans offered at work.With a short list. you should be forthcoming. stick with them. Don’t Join Prepaid Plans A final word of advice. you only get so many hours with the attorney. Presented by MONEYNING. If you want to retain a new representative you will pay the same fee again. The lawyer will apprise you of any progress on your case without you harassing them. I promise. often several thousand dollars. The first meeting shouldn’t cost you anything unless you get right to the legal issues you need addressed. and so forth. Similar to life insurance. barring unusual circumstances. Additionally. you reduce the fees you incur by constantly calling and checking up on their progress. for example. Good Relations The best thing you can do to keep your costs down when you hire a lawyer is to be a good client and to let your attorney do their job. By allowing your representative to do their job. As a good client. Once you decide which lawyer you wish to use. people who join such plans are gambling that they will need an attorney to represent them in a legal battle in the future. make some calls and set up initial consultations to meet two or three attorneys. To retain a lawyer you pay a fee. and participate as part of the "team" Avoid Change The most expensive thing you can do to yourself is to change attorneys midstream. Think of it as an interview for the lawyer in question.COM 205 .
and be cooperative. Be willing to pay for quality. or you can use the money for something else when the time comes. the savings can be significant. do what you can yourself. that way you will have cash if you need to hire someone.COM 206 .You are better off saving the money in an account where it will accrue interest. Presented by MONEYNING. Chances are you will only need an attorney or legal advice once or twice in your life.
don’t own property. do some simple math. handle the job the old-fashioned way. The program I use year after year drives one of my friends nuts. If you have no dependents. You copy numbers from your W-2 to your tax. I feel the same way about the software she uses. Presented by MONEYNING. there is no reason you can’t take one of the simple seminars offered at your local library and do the paperwork. and you are done.pdf of one year to another. saving you some effort. One of the things I discovered with tax software is that different people like different programs. filling out tax forms isn’t that challenging. then you have faced the question of how to file taxes properly without spending a fortune. and don’t fall into one of the less common categories. and the software walks me through everything I need to do. It took us each several tries to find the right program. where to find it. While there is a point at which you may need to hire a high powered CPA to prepare your documents accurately. most people simply don’t need such assistance. Can You Do it Alone? As long as your tax returns will be fairly straightforward. Good software will tell you what you need. Look at Software I have done my taxes on my own for years with the help of tax software. I even own a business. The advantage is that you get a tax credit for the software you purchase.Can You Save Money Preparing Taxes? Click Here to Read This Online (Coming Soon) If you have gotten to the point where you can’t file a 1040 EZ. The best programs will also transfer information from the . and what sorts of documents you will need to support your claims. Contrary to the rumors.COM 207 .
A brother-in-law.You Don’t Need an Attorney Unless you are in some sort of legal trouble with your taxes. Ask a Friend or Family It is undeniable that the cheapest way to prepare your taxes is to ask someone you know to do them in exchange for another service. medical expenses and W2s are essential. Presented by MONEYNING. run-of-the-mill CPA can do an excellent job. or a close friend can make the process quick and easy. and do your part of the job before you go for your appointment. Business expenses and receipts are important.COM 208 . If your case is difficult. If you aren’t sure. Arranging your papers by date will help as well and make copies of everything. Ask for referrals amongst your friends. Gather your papers together and organize them. Perhaps the biggest challenge people face when it comes to tax preparation is intimidation. take a look online for a checklist of some sort. just in case. then find someone who is well-versed in the tax laws because fines and fees that result from errors will turn the savings you made with a cut-rate CPA into an expense you don’t need. you don’t need to have an attorney process your returns. as long as you don’t mind them having access to your personal information. Your general. a sibling. The fact is that it just isn’t that difficult.
heavy. you can cook stews and chili in here as well. Dutch Oven – Smaller than your stock pot. You will make smaller batches of soup. Used primarily for high heat situations and those recipes that contain sticky ingredients: grilled cheese. Omelet Pans – one or two nonstick lined pans are essential if you cook omelets. These pans should be heavy with well-constructed handles. if you purchase good quality equipment. unless you know what you are looking for. etc. Skip plastic handles and knobs since you want to be able to stick this pan in the oven for braising and finishing. Iron Skillet – Don’t spend good money on getting a new skillet when thrift shops seem to have an endless supply of these. 1. Bigger is better. 2. Pick a 6-inch and an 8. Heavy Skillet – Don’t forget a matching lid as well. Saucepan – This pot should be well-constructed from solid materials. it will fulfill many of the same missions. glass lid to go along with the skillet. if bought right. Built to retain heat well. you have hit pay dirt. unlined. Perfect for taking steaks from a good sear on the stove to a quick grill in the oven. Wide. Make sure you have a matching lid that fits on tightly. 4. This is one time where spending more will cost you less in the long run. Stock Pot – 8 to 12 quarts.or 10-inch pan. an iron skillet is a joy to have. stock. as a good pan can last a lifetime. a stock pot should be taller than it is wide.COM 209 . or boiling pasta. Six pots or pans will cover all your needs. as well as a million other uses. all in this pot. make mashed potatoes and veggies. 6. will last forever. heat gravies. omelets. Presented by MONEYNING. Used for making soup. and preferably stainless steel construction with a layered bottom. 5.Save a Bundle on a Bundle of Pots and Pans Click Here to Read This Online You’re starting out and you need new cookware. 3. as well. 12 inches in diameter and 2 inches deep are your minimum measurements. What You NEED The average kitchen really doesn’t need much when it comes down to brass tacks. Let’s look at the basics and the best choices. Pots and pans can cost a pretty penny. If you can find a domed. this is a piece of equipment that.
While prices are high you will get exactly what you want. Remember. Presented by MONEYNING. Take time to find exactly the right item and get only one or two items a year. good quality. These stores cater to professional chefs. this is a life long investment.Paying for It Because good quality cookware will cost you a bit. plan for the expense. and utilize their frequent coupon mailings to drop prices into a range that is almost reasonable. and you can pick up some great bargains here. you can invest in things that won’t need to be replaced any time soon.COM 210 . so purchase the best you can afford. well-educated staff. While there isn’t much you can do about the industry’s pricing. Some towns have restaurant supply stores. This is a perfect item to put on that holiday wish list too. Your next choice can be to search out one of the chain stores which specializes in house goods. and an understanding.
If your filter is disposable. Water should be tested on a regular schedule. so get what you can afford. By keeping the waters PH properly balanced. There is the question of debris and also water quality. No matter what you buy. Comparison shopping will go a long way towards getting you a great price. maintain a regular schedule for replacement. There are a few things that the average pool owner can do to reduce the expense of pool cleaning. Both are simple enough to attend to on your own. While lower priced chemicals may require a bit more monitoring. Getting supplies at end- Presented by MONEYNING.COM 211 . staying on top of this one will keep the water cleaner and the pool in better shape.Can You Save on Pool Cleaning? Click Here to Read This Online (Coming Soon) Owning a pool is quite an expense. Salt is salt and chlorine tablets are chlorine tablets. Small variations are easier for the system to absorb. thus decreasing your expenses. you reduce the need to “shock” it. they all do the same thing. Maintenance is Critical There are a number of cleaning issues with pools. the less effect they will have. and to cut costs just makes sense.what stay in the water. Get one of those nets that are attached to a stic. Buying Chemicals It is pretty rare for any pool to need “top-of-the-line” supplies. If the pool is used frequently. spend some time online finding the best prices. daily testing is advisable. As with other maintenance tasks.
Look for Closeouts Pool stores go out of business more often than you think.of-season sales is another great option if you have the room to store your purchases for the next several months in a safe place. Keep an eye out for closeout sales and deep discounts. In Pool Cleaners There is no denying the thrill of watching a little “robot” churn around in your pool cleaning the dirt and grime. Getting a large bucket of chlorine tablets is definitely cheaper than purchasing a few tablets each time you need them. Buy in Bulk If you and a few friends own similar pools. Just because you have a pool. Find less expensive options. You can find automatic cleaners that run $200 and those that do the same job for $1000. Presented by MONEYNING. Purchase the unit that is designed for a pool the size of the one you own. it doesn't mean that you have to give up your fun to accommodate a shrinking budget. just like you do your pool. and enjoy your dips more than ever before. Keep your cleaner maintained. do more of the work alone. purchasing a greater quantity may pay off. Pool cleaning is an undeniable expense and hassle. Store supplies safely if you do this. That doesn’t mean you have to spend a fortune. blend your orders of supplies together. Be prepared to snatch up supplies when they go on sale. Don’t run it more than necessary.COM 212 . Just like in other situations. A pool store often changes to a ski store in the fall and wants to eliminate its stock to make room for new merchandise.
COM 213 . It is fairly common to need two different sized blades today. although it can vary a bit from car to car. Online you can check prices for specific blades so you don’t waste gas and time driving around while comparison shopping. a relatively large percentage of drivers don’t know how to change their own wiper blades.See Your Way Clear to Savings on Windshield Wipers Click Here to Read This Online (Coming Soon) With winter upon us. Determine What You Need While you are learning how to replace your blades. find out what size blades you need. others work better in rain. Winter blades usually cost more. Presented by MONEYNING. Get online and read some reviews. or you can spend $20 or more per blade. Determine which functions you need most of all. The question is how do you combine savings and quality in a way that avoids the need to replace your blades every other week. You will get charged a lot more for the same blade if you ask the garage to put them on for you. chances are you will want winter blades by the time fall rolls around. If you live in Buffalo. In Seattle you will want blades that work very well in rain. so you don’t want to get them unless you really have to. This is a relatively simple task. You can purchase a really cheap set at the local mega-mart. so write down what you need before you start “shopping” around. many people are finding that they need to replace their windshield wipers. Get out your owner’s manual and learn. Some blades work very well in snowy conditions. Chances are you will need to replace your front blades much more often then your back blade – if you even have one. Learn to Do It Yourself Odd as it may seem.
Wiper blades accumulate grit. you will know that it is actually time to change the blades. To clean them.Keep Them Clean If your windshield wipers start streaking. Look for Coupons It’s an old song but still true. season changes. but it will help you evaluate if you really need to replace your blades. dust. If you are streak free. Wet the towel and wipe it back and forth over the blade a few times.COM 214 . consider signing up for e-mails from that company. If you have a brand of wipers you really like. Wiping down your wiper blades from time to time will not only prolong the life of your windshield. Test the blades by spraying some water on the windshield and run the wipers. First. so keep an eye out for coupons. If you still streak. and more as they go back and forth across your window. Presented by MONEYNING. things are good. and online. especially around the holidays. you might get coupons tossed in as well. grab some isopropyl alcohol and a clean paper towel. figure out if the streaking is occurring because of worn blades or due to dirt. but there is no reason to pay top dollar for them. Windshield wipers are an essential piece of safety equipment on your car. sap. you don’t have to rush out and buy new ones. manufacturers want you to purchase their brand.
though. Clean out the wheel wells. Presented by MONEYNING.Car Detailing Without Cleaning Out the Bank Account Click Here to Read This Online (Coming Soon) Have you looked at the price of car detailing and cleaning lately? Even a simple wash can set you back $10 or more.COM 215 . If you want to buff your car with a sander. If you have the time. Deep scratches will need to be dealt with professionally. It can take several hours to do the job right. Finally. Time is the critical issue here. it is worth the effort. Products will dry on the car and mar the finish. treat the wheels with a wheel cleaner. Minor scratches and nicks can be dealt with using a good wax. Those areas can be cleaned with an area specific cleaner. Now inspect your paint. here are some tips to help you keep a clean car and a wallet full of cash. use one with orbital movement. Do It Yourself This is an obvious suggestion. Use a damp Q-Tip or toothbrush to clean off any wax that remains in crevices or on rubber areas. If you have money like that to spend. Start by washing the car with a soap made for cars. chances are you won’t need to read this article. but if you are like me and watch every penny. A brush can help remove the crud that accumulates in the hub caps and other visible areas. Dry it with soft towels – old diapers work great. Clean the Outside First Don’t work on a particularly hot day or in direct sun.
cleaners that are appropriate to your vehicle. Q-Tips. Presented by MONEYNING.COM 216 . Use the diluted multipurpose cleaner to clean areas of plastic. and rear parcel shelf thoroughly. To get into every nook and cranny. If you have cloth seats. use a leather conditioner. Avoid products that leave a slippery or shiny finish. dash. Pull out the floor mats and remove any items that are removable – extra console pieces. You can also use compressed air – the kind sold for cleaning computer keyboards – to get into grills and behind areas you can’t reach otherwise. for example. seats. This is where you will use those Q-Tips. if they are leather. such as the plastic lens the covers your speedometer and other gages. Finish off by washing the windows. Dilute your cleaner 10:1 and use it to clean all surfaces with a damp cloth. you will need their fine tip. use a vinyl cleaner. or you will potentially get mildew.Dealing with the Inside The interior requires some time and attention to details. but don’t over-saturate. If your seats are vinyl. Now apply yourself to the dash. and your vacuum. treat them as you did the carpets. a multipurpose cleaner. Use a carpet or upholstery cleaner in the spots where needed. Gather soft clothes. You might also want a can of compressed air and leather conditioner if you have a leather interior. Start by dusting off all the easily reached surfaces. Consider removing any knobs you can pull off gently to get underneath. Vacuum the floors.
and who doesn’t like to drive around in a snazzy ride? Presented by MONEYNING.Detailing your car will take you the better part of a morning. Not only will your car retain its value better but it will also look better.COM 217 . but the results are a worth the effort.
but it still pays to do the math.Saving on Light Bulbs – a Bright Idea Click Here to Read This Online (Coming Soon) With the switch from incandescent to compact fluorescent bulbs. It will take up space better used for other things. The interest in getting you to switch over has provided some excellent budget-boosting options. especially right now as the switch takes place. Use Lower Wattage In general. and truly large packs. There are ways to save money when purchasing light bulbs. Large Packs Everyone knows that purchasing larger packages has the potential to save money. you will find that the lower the wattage. but the outlay is clearly more on a bulb per bulb basis. The promotion won’t last forever – and we are talking about one bulb each time – but if you are in the area where they are handing them out. so price them per bulb. the cheaper the bulb. CFLs also pose a certain level of risk as they all contain mercury and must be disposed of properly to avoid contamination. twins. The exception to the rule here is if you need only one bulb of a particular type. You can find bulbs in single packs. Purchasing six bulbs when you will only use one in a year or so isn’t sensible. you should be just fine with six 40-watt bulbs instead Presented by MONEYNING. it seems as if prices are on the rise as well. That perception isn’t exactly accurate as CFLs last much longer and use less electricity than their incandescent counterparts. Free Bulbs Our local utility company offers free CFL bulbs every Wednesday. why not avail yourself of a free light bulb? Free is definitely the cheapest way to go.COM 218 . If you are lighting a chandelier with six bulbs.
they last just about forever. While CFL bulbs don’t work well with dimmer switches. It is thought that CFL bulbs will be a stopgap measure until LED bulbs have worked out their kinks and prices have come down. It isn’t unusual to find bulbs rated for 30. you can expect to be switching to LED bulbs instead. Summing it All Up At this point your best financial bet is CFL bulbs. Your best bet for these bulbs is to use them in hard-to-reach places so you don’t have to change them again for years and wait until the next generation of LED bulbs turns up in about two to three years – according to industry gurus.000 hours or more. LEDs also use less energy. and that provides additional savings. Their slower start up time has yet to be addressed. Eventually. you may need to go with the maximum recommended. Even with the potential hazards. and the light is pretty directional. they cost less to run and last longer than incandescent bulbs. Presented by MONEYNING. That means it doesn’t spread out like an incandescent light will. If you are depending upon lower wattage or a single bulb. Consider LED While the upfront cost of LED bulbs is still in the stratosphere. Play around with it and see. there is a movement to adapt them for such uses. The catch is that you can expect to pay about $30-40 per bulb.of six 60-watt bulbs.COM 219 . about half that used by a CFL bulb.
but here you go. and that was with savvy shopping and a sale. but that still hurt! On the positive side. Purchase a lifetime alignment package from a local service store. It really isn’t all that difficult. or it causes problems with the center differential. For tire work you don’t even need to be a member at most of the warehouse clubs. you will be just fine. If you own a 4-wheel drive or all-wheel drive car. As long as you get a tire of reasonable quality. this is even more critical because if one tire wears too quickly you have to exchange all four tires at the same time. you can save money by taking good care of the tires you own. Shop Around You don’t really need me to tell you to comparison shop for anything. so check there too. Aligned tires wear more evenly. Check them regularly for proper air pressure. I’ll grant that my car requires unusual tires. Your car needs a specific size of tire not a particular brand. they would have cost me almost $900. if I hadn’t done my work.COM 220 . and you won’t have to replace tires as often because one of them wore down too far before the others did. Some of the best deals are at warehouse clubs. Rotate them frequently.Save Money Where the Rubber Meets the Road – Car Tires Click Here to Read This Online (Coming Soon) Have you priced car tires lately? The last time I had to replace my tires I spent $600. Here are some tips for saving on your next set of wheels. Maintenance is Critical Even before you get to the point of needing new tires. so call around and ask. Presented by MONEYNING. Keep your tires properly inflated. The same tires you find at retail locations can cost 10-25% less at a warehouse.
That way. Those $30 saved costs you much more in the end.COM 221 . purchasing tires guaranteed for 50. this is a valid one to consider. If you don’t plan to hold on to a car for years to come. If you have plans to sell a car soon. As if you could drive away with three tires on your car. When you know you will need tires in the near future.000 mile tire works out to $.06 a mile. A $150 50. Another bit of math involves figuring out your cost per mile. if you are looking for a deal. Presented by MONEYNING. The longer a tire is designed to last. but shopping wisely will at least save you money.Look for Coupons In one of the sillier promotions around. Coupons come out all the time. buy tires that are rated for less drive time.000 miles might not be a wise choice. you might just have a coupon you can use as well. Still. and that is fun all the time. when you find the tires you want at a reasonable price. a tire that costs $120 but is guaranteed for 20. Buying tires may not be the most fun you can have on any given day.03 per mile of wear. many tire stores offer “buy 3 tires get 1 free” deals. start gathering them. the more it will cost. Double savings! Consider the Numbers A final piece of the puzzle involves a bit of math and planning.000 miles costs $.
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