This action might not be possible to undo. Are you sure you want to continue?
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
Presented by MONEYNING.COM
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
Presented by MONEYNING.COM
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
Presented by MONEYNING.COM
.................. 211 See Your Way Clear to Savings on Windshield Wipers........................... 194 Buy Needed Bus Tickets for Less.......... 173 Get your Concert Tickets for a Steal.................................................................Pajamas on the Cheap – 3 Ways to Save Money On Sleepwear..... 184 Bargain Priced Massage Can be Good for your Body and Wallet..................................... 218 Save Money Where the Rubber Meets the Road – Car Tires...................COM 5 .................................................................................................................. 192 Produce Portraits without Puncturing your Budget............................ 181 Saving on Breakfast.. 200 How Incorporating Can Save You Money... 204 Can You Save Money Preparing Taxes?.............................................................171 Get Sports Tickets to the Big Game Without Spending a Fortune...................................................................................................................................................................................................................................................................................... 190 Expensive Yoga Isn’t More Relaxing!............................................................................................................................................................................. 196 What Should You Know to Save on Gym Memberships?......................................................................... 213 Car Detailing Without Cleaning Out the Bank Account................................................................................................................................................ 188 Don’t Allow Gas to Guzzle Up your Budget.. 175 Stock up on Fabric for Less than You Expect..................................... 202 Getting Affordable Legal Advice is Possible......................... 209 Can You Save on Pool Cleaning?......... 220 Presented by MONEYNING....................................................................................................................................................... 177 How Much Should You Spend on Cologne/Perfume?.............................................................. 179 Attending Tradeshows and Conventions on a Livable Budget........ 207 Save a Bundle on a Bundle of Pots and Pans................................ 198 Finding a Way to Make Dance Lessons Affordable......................................................................... Starting the Day Right...............................................186 Cheaper China for Your Home.. 215 Saving on Light Bulbs – a Bright Idea....................................................................................................................................................
I’m tired of paying for everything and I’m sure you are too. The digital version is free and it will always be that way. many workers are still struggling to earn an honest living. Look for my updates on new versions and let me know if you ever want to help write on a few topics.Introduction No matter what anyone says about the recession. David (MoneyNing) Presented by MONEYNING.COM 6 . I asked around for help in putting together this ebook. Note that this is a work in progress and far from finish. Hope this helps. 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.
you probably can save some money by paying as you go.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. Do you have one still? That’s so 1980s… Internet – Have you looked into the different technology (and thus. Want to know where to start? Here’s the tip of the iceberg. Home Phone – I don’t have a home phone and I have no idea why the business model still exists. 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. Let me tell you the truth. there’s always Netflix. 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.COM 7 . 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. 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. There are many legal ways to watch TV online like hulu. The fittest • • • • Presented by MONEYNING.com and if you are a movie buff. but don’t kid yourself – we know it’s the recurring expenses that really drown us into debt. The per minute cost may be high but if you never experienced having your ears burn because you talk too much on the phone.
it’s almost always cheaper. you will feel very restricted but you will slowly realize where you are spending money on. 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. • Presented by MONEYNING. Unless they provide real value. Pills – It’s easy to switch your subscriptions to generic brands and best of all. They run on the road. If everyone does this. Subscriptions – Enough said. Newsletters. dial down the water heater to 112 degrees. we have to change our habits! Turn off the lights and electronics whenever it’s not needed. Please! Insurance Companies – Call the representatives regularly and see if there is a better deal (remember their competition as well). 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. stop paying for it! Electricity – Many tricks we know. When you have to spend time to handle payments. (Stole this tip from Frugal Dad. You don’t need to smell other people’s sweat and pay a bunch of money just to stay fit right? • Clubs. but in order to save money every month. it may even create more jobs! • • • • Activities You Should Try • Stop Bringing Your Credit Card Out for a Month – At first.people are always the ones who go out to jog every day.COM 8 . on the beach and in the parks. you will find a way to cut out the ones that aren’t absolutely necessary. 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.
$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 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. Share with others! Presented by MONEYNING.• 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 . Try it. It’s not that cheap after all.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. It’s quite fun (I lived with $34.
00 off. If you can do the same thing on double coupon days. the price drops is even more significant. so I went and picked up 10 boxes of each cereal my kids liked. in the end.75 a piece. but some are more consistent than others. purchase in bulk. If you are feeding a large family. There are many ways to save money while shopping for groceries. Coupons Coupons are great. but only clip those for products that you use. which is considerable savings. 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.Saving Money On Your Groceries Click Here to Read This Online Groceries are unavoidable because we all have to eat.50. but that. If you get a weekly newspaper. Many websites will offer you large numbers of coupons for filling out their questionnaires and agreeing to try several offers. Each 10 boxes qualified for an additional $5. you should definitely take a look at the coupons. If you purchase an item for $1. Purchasing something you won’t use because you have a coupon isn’t helpful.COM 10 . Stocking up and Planning When foods you commonly use go on sale. Recently. rarely does much for you. but only if they are for a product you already use. it is even more important to cut costs where you can. or this can easily become your largest monthly expense. $1. General Mills cereals were on sale at the local supermarket. They don’t spoil and we will eat them for a couple of months. Presented by MONEYNING. so I ended up paying only a dollar a box for name brand cereals. get one coupon.50 a box is cheaper than generic brands. you drop the price to $0.
For example. you might plan hamburgers one night. Take the flyers from the supermarket with you because some things are cheaper at the warehouse. Warehouse Stores Check out the warehouse stores with an eye towards prices. If ground beef is on sale. Warehouses are a great place to get discounts on prescriptions and meats. you might want to look into a CSA farm where you can buy a share for the season. stick to seasonal produce. Also. tuna could be at $1 per can versus $1. Cantaloupe may be a $1 a piece in the summer. so get working! Presented by MONEYNING. mine have a habit of eating anything they find in the fridge if not warned in advance. 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. too. chili another and spaghetti with meat sauce a third. the waste adds to the cost. 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.Once you have the weekly circulars. Finally. and if you don’t use it. Freeze things quickly to avoid spoilage. when shopping for groceries.COM 11 . but $4 in the winter. but others are more expensive. you will be tempted to purchase more than you need. Local produce is also cheaper and if you eat a lot of it. Some cheeses and milk will freeze well. plan your menu for the next week. If you set aside leftovers as part of the meal plan for the week. then let your kids know.69 at most markets.
baking.Giving Gifts for the Holidays on a Budget Click Here to Read This Online Here they come again: the holidays. Last year I started in August and made a pair of hand knit socks for each friend. The bills roll in come February and then the trouble really starts. Plan a pot luck dinner at someone’s home a week before the holiday. and exchange the gifts. I got the yarn at an outlet store and I had a lovely gift for less than $10 a person. so it doesn’t conflict with family plans. My friend hit the fabric store and picked up fleece on sale with a coupon. It strains my creativity less. but all is forgotten by November and the cycle starts again. For some reason. Presented by MONEYNING. Make things I know it sounds cliche. here are some great ways to save a bit of green and still have a great holiday. for one. I. Form a Gift Exchange Group Do you have a number of common friends in your circle? Create a gift exchange circle. If you still have at least a faint memory of those dreadful bills. Use these skills to create a unique gift for your loved ones and friends. would much rather spend $20 for a single decent gift than have to purchase eight $3 gifts. be it knitting. Set a price limit and have a random pot to see who purchases for whom. but there is no reason not to plan ahead and make some gifts this year. She made tie blankets for everyone for about the same amount. Everyone has some talent they can use. 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. or computer skills. not to mention my wallet.COM 12 . These gifts are more personal and less expensive than any of the junk you can find at the mall.
one parent coordinated a collection. Split that total onto several cards. If you find that you have to give a gift. One of the catches is keeping the receipt to prevent problems with necessary exchanges. kids are faced with a need to purchase something for each of their teachers. you can always pick things up throughout the year to lessen the blow at year’s end. but is well worth it. No matter what you do. Many places offer an additional $5-10 of gift money when you purchase $100. What about Work? Fortunately. many employers are placing a moratorium on gift giving for the holiday season. Yes.COM 13 . Others include not being able to estimate sizes that far in advance. 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. try to purchase an appropriate gift certificate when the store or restaurant is offering a special.Dealing with the Teacher Issue Come the holidays. It isn’t extravagant. You won’t Presented by MONEYNING. Pre-shopping If you know well in advance who will be on your shopping list. I have had years where each of my three children had between 6-13 teachers. this ridiculous trend ends with elementary school. and opting not to exchange with those people by the time Christmas rolls around. 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. this takes a bit of coordination and time. remembering where you stored that gift. 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. Thankfully.
Presented by MONEYNING.COM 14 .regret leaving that porcelain Santa on the shelf nearly as much as you will paying 1826% interest in February.
follow a few basic rules. There are multitudes of discount fare websites available. Once you have found the best price you can on a general search site. you will pay a lot more than if you are willing to fly mid week. and while their prices are similar. When you travel for business. and flexible scheduling the majority of the time. go to the specific airline site. Basic Strategies 1. Consider smaller airports since they often have better rates. so don't always wait for last minute deals.COM 15 . If your trip involves a flight. since they are often the most expensive part of a trip. Many companies offer to match a fare if it goes down after your purchase. Be flexible. If you insist on flying during peak hours on busy days. although the planes are often smaller as well. Booking early gives you the best options on seating. but make sure you can get a better fare later. which is a little strange. 2. one even gives you the option of stating your maximum price. Book early.Saving Money on Air Travel Click Here to Read This Online In an age where every airline is cutting back and cutting corners. wait to make hotel reservations until you have managed to find the flight prices you need. Presented by MONEYNING. they aren’t identical. 3. as they may offer additional web based discounts that you can’t get anywhere else. Business trips usually have a set itinerary. since no airline is likely to volunteer to refund you money. but vacations can be massaged a bit to get the best prices. and show some flexibility. Don’t insist on direct flights. is it still possible to save money on airfare? The answer is a resounding YES! It just depends on your ability to plan ahead. cheaper fares. flights with connections can be less expensive. it is much more difficult to save money than it is when you travel for pleasure. Keep an eye on the prices yourself. Comparison shop.
Consider traveling after the area’s "season". Some packages provide free room and board for children traveling with a parent. you too can find some significant savings. Other Strategies Look at package deals. saving yourself a nice amount of money. and critically. airport fees. Airlines are now trying to coax you into purchasing their "featured fare" over other fares that seem similar. Before you commit. An additional benefit is that you will find fewer people at your destination. some flexibility and an adventurous approach. Heading to big resorts even a week after the season is over can result in a 25% savings or more. If you have children who haven’t begun school or no children at all. One airline may offer a price that is $20 less per ticket. You can often get a hotel and car included in your plans if you book ahead. Presented by MONEYNING. While it isn’t a direct airfare savings. especially if you are heading to a common vacation destination. Air travel is a wonderful way to see distant places and enjoy new scenery. waiting an extra week makes good sense. Consider all the fees. but then end up being more expensive by charging $25 a bag. With a bit of work. it does reduce the overall cost of a vacation.4. and a more relaxed environment overall.COM 16 . baggage fees. check to see the final price after taxes. Take two bags each and it really adds up.
If you can get three or four such women in a group. but the good news is that it can be done.Saving Money on Childcare Click Here to Read This Online Making ends meet is more difficult than ever. 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. are a great resource. For families that need childcare. may be open to taking your children too. Offer to barter services like yard work or errands in return for their generosity. Go through the whole interview process together. Family Options Clearly. and figure out transportation arrangements.COM 17 . Retired grandparents. but it's not like bad childcare to save a few dollars is an option. I'm sure you'll feel much safer that your children is in the hands of someone you know. what happens if one of you run late. etc. you might be able to share a nanny. the cheapest solution is to find a family member who is willing to lend a hand. Other relatives. for a much more reasonable sum than a stranger. if they are young enough and healthy. The children benefit from a different set of toys to play with each day. Good childcare is expensive. the expenses can be overwhelming. Best of all. Share a Nanny If you have a good friend with young children who is also returning to work. Finding a solution can involve some creativity. Put everything in writing and make sure you do a criminal check on your prospective nanny. The best part is that this kind of arrangement is usually free. determine how much each person pays. if they have young children at home. Arrange a Baby Sitting Cooperative Many mothers return to the work force part-time. at least at first. Presented by MONEYNING.
This kind of arrangement is difficult for both parents. and many people find relief that they are doing this for the children that they love. since it really cuts into a couple’s time. but it is well worth the effort to know that your kids are safe. which will halve your costs. Some public schools offer cheap or free day care for neuro-typical kids enrolled in a Head Start program. happy. This is a great environment and learning experience for all the kids. Presented by MONEYNING. Shop Around Finally. Fortunately. this period in your children’s lives is relatively short. even if the curriculum may be targeted. Sometimes family friendly employers have an agreement with a local day care center and their employees can get a discount for using the facility. Revamping the Schedule If you just can’t find a child care situation that seems reasonable and affordable.Tax Savings If your employer participates in a child care flexible account. This way you avoid paying taxes on child care expenses. Finding a good environment for your children that is affordable can be challenging. Working different hours means that at least one parent is home at all times with the children. Other such employers are also generally willing to work with you to set up a job sharing schedules or telecommuting part-time. and well cared for. set aside the money you need for the year in advance. Older kids can attend a half day pre-k or kindergarten program and then join a half day daycare program. you may find yourself making a difficult choice.COM 18 . if you can’t rearrange schedules and need to use a day care center. The YMCA or the local church is likely to be cheaper than a private corporation. shop around.
let them give you the sales talk so you get a feel for what’s available and to get a quote. Then gather all the information and figure out what you’d like in your wedding. everything will seem to cost extra. you will never be able to compare apples to apples. Once you have a general idea. As a result. As you inquire further. Want fish instead of beef? $$$. my wife probably saved us an amount in the five digits. 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. Forks? Add X to the total. coordinators are money well spent because he/she will help make sure all details are executed on the Presented by MONEYNING. figure out your preference so you can rate it against the prices you are quoted. For those who have budget concerns. Otherwise. Are you looking for a venue that has great views. The planners help you plan the wedding before the wedding. we had a spectacular wedding that cost pennies on the dollar. Wedding Planners vs Wedding Coordinators There are wedding planners and there are wedding coordinators.COM 19 . One of the tricks that people seem to use is to give you an ultra low price to grab your attention. On the first visit. do not use a wedding planner because everything can be done yourself. make a list with everything you’d like for the wedding and go back and ask for a price. Do you want to know how to save money on your wedding as well? This article is for you. However. while the coordinator will help you organize what happens on the day of the wedding. or are you more of an indoor person? Before you look at go to each location to ask for pricing. On our wedding. Most wedding planners will do both. That’s why it makes sense to go to the venues several different times. so make sure you know what exactly you are paying for.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.
Video is another story and it all depends on how many times you are going to actually watch the show.day of the wedding. If at any point you aren’t comfortable with the company you are dealing with. paying for a wedding coordinator means you can bounce ideas off of the person. Anything more than that is probably too much for you if budget is a concern. That’s why they will charge you extra if you tell them it’s for a wedding. How to be Cheap on Flowers without Getting Caught Flowers make everything look better and vendors know this. which means more help on the planning side. 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.COM 20 . Instead. Also. For those that don’t mind. Do you really want to be worrying about whether the flowers arrived or the tables are setup? Furthermore. Once? Twice? Maybe even ten times in your life. make sure to ask around to find a reputable company to rent from to avoid hassle. talk to your wedding coordinator and your married friends to see if they know of wholesale flower markets where the vendors themselves go. make sure you understand the terms (if it gets damaged for example) and see what your liabilities are. Before you commit. Look. 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. Saving on Wedding Dresses Vera Wang dresses are amazing but not everyone can afford owning one. renting wedding dresses may be for you. If there are ones around your area. you can just go there and Presented by MONEYNING. go somewhere else. Balance your budget accordingly. 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.
guaranteed. and everything is so much cheaper. Rev up your creativity and don’t be lazy. Save Money on Wedding Favors The most creative and cheapest wedding favors are actually ones that you make yourself. On the big day.COM 21 . 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. Any vendor that tailors their business to that big day will overcharge. Makeup Specialist Some brides like to change clothes during the wedding. these are some of the ways you can save money on your wedding. Obviously. we actually flew someone from Taiwan over here to help us and it still turned out cheaper than hiring one in the states. furniture rental places for chairs and everything that has nothing to do with getting married. not to mention that she followed my wife the entire day was fixing my wife’s “look”. we didn’t have to worry about being nickle and dimed.buy them yourself. On our wedding. Anything Else Off the top of my head. which means different makeups. Are there anything else you are wondering about? Comment below and I will add to the article. Ribbons and Others Where do you get deals? Forget wedding places. Presented by MONEYNING. Chairs. Be creative. Look for party shops for ribbons. 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. They usually look like the Costco for flowers.
000 and $270. the final price tag can overwhelm most families. you really need to find the best money management strategies and ways to reduce costs. Another good option for students struggling financially is to start out at a junior college. Compare that to University of California at Berkley which only charged $9.000 per recipient. Private Universities Princeton University. Here are a few suggestions that will give you a good start. Presented by MONEYNING. supplies. Between tuition. a prestigious private university charged over $34. board. Take two years of classes there before you transfer your credits to a state school. texts. This isn’t to say that private universities don’t provide a top notch education for their exorbitant price. Tax Free Savings If you know you want to help someone go to college. start saving right away in a 529 savings plan.000 in tuition alone this year. you can live at home and work at the same time. and other activities. and save a lot of money. Credits cost much less. 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.College Tuition is Expensive. State Schools vs. These funds are tax free and you can save between $100.000 for the same quality education for in-state residents. If you have more than one child. you can begin this savings account at any point. room.COM 22 . You are also less likely to waste huge sums of money drinking and partying: favorite student pastimes at traditional four year colleges. no matter how much you earn. too. With no limitations on age or income levels. it just means that you can get an excellent education at a state school.
If you can’t purchase the book you need. Grants are often given on a per-needs basis and scholarships are available for everything under the sun. see if someone else just finished up that class last term and if you can borrow their book. and keep those grades up and activities current. If you live in an apartment setting. a punch card is more sensible than a full meal plan. If that doesn’t work. Grants. It isn’t unusual to find yourself assigned several books each running $100 or more per semester.COM 23 . you need to continue saving money if you want your stash to last through four years.Loans. Textbooks One of the biggest unavoidable expenses is textbooks. most teachers leave at least a few copies of the text at the library. there is a thriving used book market online. but you can read it there. Don’t buy new if at all possible. If you are serious about attending college. It is now possible for just about anyone accepted to a college program to qualify for a student loan of some sort. Once you get to college. If you still want a meal plan. If you are content with a few meals a week and then snack in your room the rest of the time. Food Many universities require freshmen to take a meal plan as part of their first year experience. After that you have more options. or it is still too expensive. Apply for every scholarship you can qualify for to accumulate funds in advance. you generally know this by the time you enter high school. Getting in is the first part of the battle. Scholarships. You may not be able to take it out. choose one that matches your eating style best. Oh My! The rules for getting college loans have eased up considerably in the last decade or so. especially if you take the food you cooked along for lunch rather than buying each day. bulk cooking save a lot of money. Presented by MONEYNING.
Presented by MONEYNING.In the end. and a quality education doesn’t have to put you in the poor house or in debt for years. It can be done. saving money both on getting into college and at college takes some preparation.COM 24 .
family. your job. not the MSRP. Don’t let yourself get talked into spending more than you can afford. On the other hand. other banks. but do your shopping earlier. Taking a loan is a tremendous waste of money. Financing is where most car dealerships make their biggest payoffs. Of course. check your bank. The same holds true for the end of the model year. Shop around for the loan. There are some basic strategies that will help you make good choices and get the best deal you can. optimally. take test rides and go online to find out just what the car you are considering is worth. for a fee. fight for the lowest interest rate. 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. and the dealership before you commit to anything. and you may get pushed to purchase more than you intended.COM 25 . credit unions. Shop Mid-month. The Biggest Markup The easiest place to save the most money has nothing to do with the car itself. It can’t be stressed enough that when you go to purchase a car. no matter what the terms are. Some consumer groups will provide you.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. a complete list of just how much each feature costs the dealership. At the end of the month salespeople are eager to unload cars to make their quotas. if you have to take a loan. Presented by MONEYNING. you will have the money in hand. Start negotiating from that price. and shortest term you can afford. if you do your research early in the month you have plenty of time to comparison shop.
Consider Used Cars Most cars depreciate 30-40% the first two years a car is off the lot. If you get to the point of negotiating a number. Also. ask your friends where they got their cars and if the experience was a good one. Remember that a car is one of the biggest purchases you are going to make. a car that is two years old is usually in great shape. many car companies will allow you to carry over the warranties that came with the car for a nominal fee. In general. Investigate the company you will be using with the local Better Business Bureau. Barring unusual driving conditions. this will ensure that everyone stays honest with you. Aside from the advantage of rattling the inexperienced. as many have started offering their certified pre-own program.COM 26 . 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. figure out how much you are willing to spend and walk away if the deal isn’t the one you want. extended warranties are a waste of money. Presented by MONEYNING. take along a pad and be prepared to write down everything the salesperson offers. Also consider buying used cars from the dealership. get a good faith contract written with a 24-hour guarantee. Today. if you really want to do so. In the end. Take that contract to another dealership or two and try to get a better price. so don’t spend extra for them.
it makes more sense to find a card with a low APR. if you own your home. The catch here is that you are putting your home at risk if you can’t repay the loan. When compared to paying 9-22% interest on a credit card you can clearly see why you would want to pay off debt first.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. It is also advisable that if you have any savings accounts to use them to pay off any credit card debt. 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 Pay Your Balance Each Month Presented by MONEYNING. Even the best savings accounts are only paying between 1-2% in interest currently. something you can’t do with credit card interest. Still. For those. a higher APR with fewer holding fees is a better choice. the best credit cards are those that have the lowest APR.COM 27 . If you have a good credit rating you should be able to contact your credit card company and ask for a decrease in rate. Another option is to take a home equity loan. Dropping even a few points saves you a great deal of money over the course of the years. whereas if you pay your balance off monthly. If you maintain a balance constantly. 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. most Americans do so regularly.
You pay your balance monthly and you don’t accrue any interest charges. Here it makes the best sense to search for a card that offers a no fee option. The same situation can apply here. If you are going to miss your cut off date. Some cards want you to pay them for usage. They want you to do business with them and prefer that you are the kind of client that carries a balance. Avoid fees. often that will forestall changes in interest rates. a business.COM 28 . Other Strategies Never pay late. so make sure you read them. If you have ever accidentally overdrawn at the bank. These are the charges you want eliminated. While most people need to have a credit card for emergency purposes. With some cards. it will cost less in interest. late payment fees. Presented by MONEYNING. Over limit fees. it still pays to evaluate those credit card fees and APRs before signing on the little line. Most contracts are only a page or so. you know what I mean. Shop around to find the best terms for your needs.In this case the interest rate is irrelevant. a double whammy! Read the Terms and Shop Around The credit card business is just that. transfer fees and cash advance fees are exorbitant and they add up quickly. Even so. call the company and let them know that the money is on the way. usually annually. ask for a better rate. A simple overdraft of a few dollars suddenly balloons into several hundred. Cash advances usually come with exceptionally high interest rates in addition. even one late payment moves you out of the prime interest rates and into higher ones. if you do end up carrying a balance from time to time on an especially expensive item.
Use Rebates and Sales Because computers are a technology that is constantly changing. Printers are nice. The statement is obvious but it's worth mentioning. it can be much cheaper to spend money on upgrades than on a completely new machine. 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. the best way to save money buying a new computer is not to buy one. Minimize as much as possible. If your current computer works fine.Buying a New Computer Without Spending Too Much Click Here to Read This Online As is usually the case in big ticket purchases. 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. a much simpler machine can accommodate all our needs and still provide excellent usability. Figure Out What You Need Laptops and desktops are available with all the bells and whistles imaginable. Part of this process is also figuring out what you don’t need. If you are still determined to purchase a new machine though. On the other hand. here are some things to help you minimize the impact on your budget. you can usually find great deals on slightly older models. most of us aren’t going to notice the difference. but you can get cheaper ones if you buy them alone. these are the models that offer the best rebates and are Presented by MONEYNING. Unless you plan to use a webcam constantly. you don’t need one as part of your package. a slower drive or less refined screen. Whether it is an older version of an operating system.COM 29 .
COM 30 . If there is a defect. so ask that it not be loaded. the manufacturer will repair the unit and return it to the owner. Personally. I just got my kids a really nice desktop with a monitor. so don’t purchase new ones. Do keep an eye out for computers with rebates that are more than a similar unit without one. though. so I know you can do it. 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.most frequently on sale as stores try to deplete their inventory. your computer will be faster Windows 7 was freshly installed. and wireless internet for $300. Avoid Extras If you are looking at a desktop. Other computers simply didn’t meet their new owner’s desires and they returned them within the warranty period. they generally work just like new so it is definitely worth looking at these models. Your current monitor. Either way. When you buy these. you can avoid a lot of pricey extras. there are some serious savings available on these units. speakers. Even with a free upgrade. keyboard and mouse should work just fine with your new CPU. Avoid Vista optimization add ons. frankly. Extra software added to a standard machine may not be necessary for you. too. I suggest you avoid Vista altogether. Buying a new computer doesn’t have to break the bank. Presented by MONEYNING.
they do save a lot of energy while still providing the same amount of light. Electricity Do you remember your parents telling you to turn off lights when you leave a room? It’s great advice. drop your temperature. look for those with the best energy star ratings. radio. Start by using them in conjunction with standard incandescent bulbs and you won’t have such a hard time switching over. but it adds up. unless you have Presented by MONEYNING. turn off other appliances. and by extension. even in "energy saving" mode. computer.COM 31 . You really don’t need to heat the house any higher than 65 degrees. and this is a place where prices have risen dramatically in the last few years. you understand just how important it is to save on household bills. It’s a minor detail. gas.Saving Money on Your Household Bills Click Here to Read This Online If you have dealt with a recent shock caused by your water. For all the controversy about compact florescent bulbs. The rates are going through the roof and winter is around the corner. Those appliances are designed to save you energy. Also. When you need to purchase new appliances. so here are some simple ways to save. Gas Most new homes are heated with natural gas. and electric bills. money. You will appreciate not having to change bulbs as often and save money at the same time. Your printer. Finding good ways to cut back without freezing is helpful for just about everyone. There is no other choice. television and coffeemaker all take small amounts of energy to keep running.
most water in a home is used on watering the lawn during the summer months. Shorten your shower time. You just have to make small changes to see a big difference in those bills. Using a programmable thermostat and wrapping your hot water heater all help you save money. Another great way to save money is to ask your utility company to come out and do an energy audit of your home. don’t run the water when brushing your teeth or getting a glass of water and use low flow showerheads and toilets. Presented by MONEYNING. Adding insulation pays for itself in a season or two. This service is generally free and can give you a great heads up on areas you can improve for reduced costs. If you have a lawn. Shutting the vents in rooms you don’t use cuts energy use.very young children or elderly people in your home. use drip irrigation where possible. letting water get to the roots.COM 32 . You can find whole websites dedicated to xeriscaping. This practice is particularly common in the high desert area of Colorado and other mountain states. do so early in the morning to reduce evaporation. the practice of low and no water gardening. and opt to water less often but for longer. Still. Saving money on your household utilities doesn’t have to mean sacrificing your shower time or working with candles. Other easy fixes include repairing leaking faucets and replacing toilet valves that are leaking. If you must water. your best bet is to reduce it significantly and plant things that are more drought tolerant. Water There are some basic strategies that we all know. You can drop that to 60 degrees at night and pile on the blankets.
the total adds up quickly. For example. and balls all appear on these shelves for a fraction of the price you would pay at the big chain stores. Between clubs. Even better. Saving Money Can Be Tough Click Here to Read This Online Golf. is an expensive game. but you will get the twilight discount. At these hours people swarm the golf course and the rates shoot up. Many people believe that it's important to use the same ball. a Big Bertha graphite set will cost you $700 new. green fees. If you get cosmetically imperfect balls that work just as well. Equipment You don’t need to spend top dollar on clubs to get great equipment. I've found many ways to save on this ridiculously frustrating. and if you can get out of work for a few hours. clubs. but that says nothing about the need to get them new. Equipment from the previous season often ends up here and you can save 50% and more. Green Fees and Rentals The most expensive time to golf is in the early part of the day. but you won't need them anyway. Another great way to save money on equipment is to shop at discount sporting goods stores. balls.COM 33 . you can get them for less than $100 for the same set. weekends and holidays. Opt for later hours during the week. No boxes with those. Weekday tee times are cheaper as well. You may not finish 18 holes. Presented by MONEYNING.For Golfing Enthusiasts. bags. Over the years. which courses often call twilight and super twilight hours. for the most part. you can knock 30% off the price. Shoes. purchase balls that are logo overruns and get high quality balls for a fraction of their retail price. a round of golf is much more reasonably priced. yet addicting game. and lessons. which could sometimes be as little as 20% of the full price. but if you purchase them used.
Presented by MONEYNING.COM 34 . Part of the reason you are golfing is. others travel to great golfing locations around the world. Sharing a room reduces costs for everyone. and get some exercise as well. to enjoy being outside. The savings in green fees will likely pay off. Golf Vacations Golfing vacations are increasingly popular. Shop around. Additionally. Many townships have a local course that is just fine for regular play. Walking gives you time to shake off that bad drive. so do the calculations. Search the internet and you can find some terrific deals and packages. presumably. They offer great bonuses. use your money wisely. so ask around (I know at least one club near where I live where I can play on my birthday for free). If you play a lot. Some of these trips hit the best courses in the country. like massages and carts free of charge just to get you to come. consider getting a membership. Improve your skills at a less expensive course and ask for gift certificates for the high priced clubs for your birthday. 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.Skip the golf cart and hoof it for even bigger savings. Go off season. And speaking of birthdays. and you all get a break from work while enjoying something you really like. An even better idea is to coax a few of your golfing buddies to come along on the trip. chat with your friends. you don’t have to play at the fancy clubs. some clubs offer birthday discounts. and get out there while still saving money.
Taking care of equipment means fewer replacements as the years pass. pants. with a little planning you can hit the slopes in style and still save yourself some serious dough. Avoid replacing the whole outfit at one time. space out your purchases. Lift Tickets Presented by MONEYNING. have them tuned regularly and air out your boots. to prevent over spending. goggles and all the rest of your equipment. March and April.COM 35 . The same applies to purchasing jackets. You can get fantastic deals. Saving on Equipment Costs If you ski more than a couple of times a season. one major item each year. You don’t need the newest and hottest colors to ski well. Remember to maintain your equipment methodically. sometimes in excess of 50% off if you shop at the right time and are flexible about what you want. comfortable clothes that wick well and keep you protected from the elements. It makes sense to shop for boots at night when your feet are at their most swollen. Don’t put skis away wet.Can You Save Money While Skiing? Click Here to Read This Online Skiing is one of the most expensive winter sports available. The best time to purchase these is in the early spring. but believe it or not. It may seem like there would be no way to save money and still enjoy a season’s skiing. you need warm. Try to stick with basics. you will definitely want to invest in your own skis and boots. when stores are trying to get rid of their stock to make room for the summer sporting goods.
Another good way to save money is through the use of coupons. Pack your lunch and snacks and purchase your hot chocolate there. at Monarch Mountain. The prices for mid-week skiing or non-prime ski season can be as much as 30% less than weekends. holidays and prime season. so make use of them wherever possible. the crowds are usually thin so you get in more skiing each day. You will save a lot of money and still enjoy sipping a hot drink while watching the other skiers when you take a break. stick to midweek and early or late season skiing. you know that you can spend $10-15 per person on a mediocre lunch. Timing If you are going to ski on a per day basis. Many coupon books run 2-for-1 specials or offer discounts. purchased early is $319. but a season pass.Lift tickets are one of the biggest expenses you will encounter once you have your equipment. depending upon snow fall and conditions. Your best bet if you are going to ski for more than seven days total is almost always the season pass. It pays off in just six visits. Add in a few hot drinks and you are easily increasing your costs by $100 for a day. Presented by MONEYNING. 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. Since the resort is better known it draws bigger crowds and you will get fewer runs over the course of the day. Out west the ski season usually starts by late October or early November. For example.COM 36 . Even better. usually early April. It can last well into March or April. a day ticket costs $54. Another great way to save is to go to less popular destinations like Monarch as opposed to Aspen. At Aspen a one day lift ticket costs $96.
Keeping your expenses down and saving money while enjoying skiing is certainly possible.COM 37 .The fact remains that skiing isn’t a cheap hobby. it just takes some practice. Presented by MONEYNING.
How to Save Money When Going Out to Dinner Click Here to Read This Online When trying to save money. It takes a little planning and a bit of work. drinks. having some fun while keeping your wallet in mind. I could easily spend three times that for the same amount of food. the newspaper. use them. you can still enjoy a good night out. I recently discovered a great coupon that turns up monthly in our local circulars. but with some clever strategies. Some restaurants require an adult meal per kid meal. Pick which one suits your families needs best. others offer two kids meals for each adult meal. There are websites dedicated to helping you find these restaurants in your area. You can easily spend $20-30 for a family of four at that restaurant with the arches these days. or local savings magazines. If I take them to another Italian place. going out to dinner becomes a real treat. including salad. Family Fun Tons of restaurants offer free kids meals with the purchase of adult entrees. and two family sized entrees at a great Italian place for $19.COM 38 . breadsticks. Coupons. Coupons.99. A family meal for four. Presented by MONEYNING. Check around online and keep a list of those restaurants your family likes and when they offer free kids meals. 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. the four of us were full for $25 and have enough leftovers for the three kids to enjoy the food again for lunch. This one is about going out for a great meal. Coupons Whether you find them in the Entertainment Book. Even with a tip.
COM 39 .Many places offer buy one get one free coupons. Though if you can make this work for you. up to 400% in some cases. since you are stuck with two people eating the same thing. especially for lunch. Truly. I have picked up $25 certificates for $3. avoid the extras. I hate to eat alone and dining out makes it easier. Discount Dining If you are going out to eat and can’t find a coupon or a deal. Share two appetizers with your dining companion and you get variety and a smaller check. Seeking out the best deals while still going out to dinner translates to having my cake and eating it too. Presented by MONEYNING. Have water or seltzer if it is free.00 piece will buy you a whole cheesecake to eat when you get home. With a little luck. An extension of the coupon phenomenon is purchasing gift certificates for specific restaurants on discount websites. You can usually pick up the certificate for less than half price. Skip appetizers and desert. You need to plan a bit with these. Personally. and save your money for the meal. Drinks are marked up a tremendous amount. I live on a limited budget and can’t waste money on eating out. the portion of most appetizers is more than enough to fill you. and if you have a promotional code. Still. Another option is to make a meal out of appetizers. the deals are even sweeter. it is a great deal. That $5.
you will get better prices. they are usually not as good as those offered early. You are still going to experience wonderful weather and sights. a perfect vacation if it weren’t for the price. and will offer discounts to those who book early. Book Early If you book before the season really begins. 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. lodging and entertainment all in one place while taking you out into the ocean. and the times are rarely convenient. but you avoid the huge crowds that accumulate at favored destinations and you get some killer discounts. It is common to get multiple connections on your flight. Shoulder Season Shoulder season refers to the weeks immediately before or after the high season in cruising circles. Luckily. there are some easy ways to cut your costs if you plan ahead and know what to look for.COM 40 .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. pick your own flights. Since your cruise won’t wait for you no matter when you arrive. Room to Breathe Presented by MONEYNING. Cruises provide food. arrive in plenty of time. Although you can get discounted rates once the cruising season has begun. and save the premium. The cruise lines want to make sure that their boats are at least partially filled.
Walk a couple of blocks away from the dock and find local transportation instead. consider bringing some of your own along. Bust the Bus Tour companies at your destinations work out deals with the cruise company to provide day trips to various locations. and pick the smallest room you consider reasonable. Additional Advice Drinks are rarely included in your price and they can add up quickly. and use cash if you must to stay within your limits. so plan to be back with plenty of time to spare. take advantage of the deal. either on the water or at the next stop. because it is bound to be larger then anything they offer. Basically. they are quite likely to take you right to their selected gift shop to purchase mass produced junk while they get a kick back. If you go anywhere else. the room is the place you leave your clothes and retire to at the end of a day of swimming. If your cruise line offers a "soda sticker" and you drink soda often. There is simply no reason to spend extra money for a larger room. playing and socializing. Presented by MONEYNING. Budget yourself. the ship won’t wait for you and it can be very expensive to try and catch the boat. then get out on deck and enjoy yourself. negotiate up front for a price and don’t pay until you arrive at your destination. Many locations now have set fares posted by taxi stands. In fact. bring along your own cup. since there is a premium for a view. A corking fee is still cheaper than purchasing from the ship and the wine will be better.COM 41 . Not only do these options usually cost more. If you prefer wine and liquor. the amount of time you spend in your room is minimal. Get an inside room. Just remember.Unless there is something seriously wrong with you.
Remember. Stay alert and don't spend a bundle because of ignorance.COM 42 . Presented by MONEYNING.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.
I totally agree that safety is very important. I shared my seat with my brother and between us we used it for six kids. If you are handy with a sewing machine. you can usually get by for quite a while in your regular clothes. as are friends. and coworkers. Ask around. That doesn’t mean you have to stand in the lobby and open a brand new box though. the sleepless nights and all the other anticipated difficulties. eventually the reality of the financial impact will rear its ugly head.COM 43 . Note though that many experts will not recommend a used car seat because of safety reasons. so read ahead. For some reason people are very eager to get rid of these clothes. There are some ways you can save tons of money while still providing everything your little one needs though. Never mind the cost. Still. 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 advertise your condition and watch the donations roll in. Prenatal Purchases While it is really nice to have one or two sets of prenatal jeans. babies are incredible. Goodwill stores are a great place to find gently used pregnancy clothing. Much more important than saving Presented by MONEYNING. relatives.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. 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. Baby Essentials Before they let you take the baby home.
Feeding and Diapering The hands down cheapest form of feeding is breast feeding. For those who opt for bottle feeding. Just because something is dated doesn't mean it's not safe. the best place to get formula is a grocery warehouse. This is all opinion of course. 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. there are good. It all comes down to the specific piece you are buying and whether you can see the difference of what's good versus bad. but like EVERYTHING ELSE used. clothing. but if you must get something new. Borrowing or accepting hand-me-downs is a great technique. and there are bad. is about the easiest to get for free or cheaply. and sleepers are all you need at first. so I'm well aware of our instinct as a parent to be extra cautious for our children but whether it's my daughter. myself. socks. The first few weeks you will probably stay home so use a sports bra for convenience and comfort. a slight increase in what Mom eats and you are done. Little babies outgrow things so quickly that there is rarely any wear and tear. Newer cars are safer than older ones too. I have a new born too. Wait until you are certain you will be doing this for a while before you invest. safety is JUST AS important. my wife or parents. If you have your own washer and dryer. ten onesies.COM 44 . Another biggie. try the thrift shops first.a few dollars. Presented by MONEYNING. Nursing bras are great. but you don't hear about the same advice about safety versus cost there. Obviously new is always better. but expensive.
com. The best options are wool wraps and cotton diapers purchased in bulk. Cloth diapers are cheaper. The wraps are more expensive than some other options.There is no way around the expense of diapers.COM 45 . and ask a lot of questions. so buy the cheapest ones that work. There are plenty of websites dedicated to saving money while raising your bundle of joy. has quite a few coupons for items sold at Diapers. Coupon Shoebox. A diaper service is expensive. Disposable diapers are pricey and environmentally unsound. but mine have lasted through three kids and are still in great shape. for example. but you avoid the washing process. Get online. The only way to find out which works best for your baby is to try out several brands until you find one that does. 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. but only if you purchase your own and wash them yourself. join parenting groups in your area. You go through a lot of diapers with each child. but boy are they convenient. It is possible to stick to a budget and still give your child all they need. Presented by MONEYNING.
Luckily. This is a website where you can acquire just about anything for free. as your child will add to them very soon. You can get whole bagfuls of baby clothes someone else no longer needs without spending a dime. as long as you are willing to go get it. 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. Garage sales are a great place to pick up things like onesies for a few cents a piece. there are ways to get everything you need and not spend a fortune.COM 46 . Cheap options exist for things like cribs. realize that those faint stains are no big deal. As the pregnancy progresses. For many years I worked as a labor and delivery coach. and other big ticket items if you head to thrift shops. I don’t know what it is. Give them a good going over with some diluted bleach and Presented by MONEYNING. While it may offend your sensibilities at first. you don’t know what it has been through.org. Free. 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. and Cheap Thank goodness for the environmental movement. they rarely realize just how expensive this kind of stuff will be. they start stocking up on some items and the sticker shock is palpable. since it has lead to wonderful resources like Freecyle.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. Nearly Free. changing tables.
the overall cost is much lower. You can also beg. these expenses are petty cash. Disposable diapers are the most expensive option over the two to four years it takes to get a child toilet trained. and expect the unexpected. try to remember that in comparison to the total expense of raising a child and getting them through college. save where you can. disposable diapers are environmentally unsound.you are ready to welcome baby home. Using a diaper service is convenient. With cloth diapers you will spend more up front. Diapers How is it that a container for waste has become such a controversial topic? We have all heard the arguments. The best place to purchase these is at a grocery warehouse. like a swing. 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. 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. This is one thing worth investing in. No matter what. but if you have your own washing machine. but generally expensive. Name brands mean nothing. or steal some of these items. from friends who have toddlers. Wool wraps are generally regarded as the best for both baby and clothing. You won’t need more than half a dozen per size. The fact is both are expensive. it is just a matter of degree. even more so if you have several children. get the cheapest diaper you can find that works for your child. Enjoy your baby.COM 47 . cloth diapers are a nuisance. Finding then second hand is easy on auction sites. Presented by MONEYNING. borrow.
a couple of pencils and pens. pens. you may be able to find larger packages of materials for less. so don't throw them away. Get Organized Since the schools are now demanding everything from pencils to tissues. Compare prices in circulars or online before you go to the store. Calculators can be passed from child to child or reused too. while another will have a box of crayons for a dime. Set up your shopping list so you know what to purchase at each store and plan your trip logically. Know exactly what you need before you head out the door. you get a huge list of supplies the school expects you to buy for each child a few weeks before school begins. Circulars Getting the best prices involves checking circulars and going to several stores. and a back pack.COM 48 . markers. Have several kids. you can usually get away with picking generics. One store may have notebooks for a penny. Recycle binders each year. Today. You can split up large packages when you get home. purchasing school supplies meant getting a new notebook. Then combine things. Although they want new crayons. and it can be rather expensive. pencils. and notebooks when the school year begins again. and highlighters when they are returned in the summer. One teacher wants two dozen pencils and the other wants a dozen. You also want to compile a complete list of all requested supplies. Unless they specifically say not to purchase a particular brand. Here are a few ways that I've come up with to save money on buying school supplies. Presented by MONEYNING. you can reduce your purchases by putting away scissors. stuff comes home at the end of every year.Purchasing School Supplies on the Cheap Click Here to Read This Online When I was a kid.
Presented by MONEYNING.Go It Alone Don’t take your kids with you when you shop. This is one of those places where you should spend a bit more and get something classic. they will graduate at some point so try not to be too stressed out about this. You won’t be tempted to purchase more expensive supplies for their "cool" factor. 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. Stores are eager to sell off whatever remains on their shelves and you can get some pretty good bargains. Shop around. Spend a Little More. While we all need to get school supplies for our kids these days. invest in quality where it is worth while and remember. Keep extras around for stocking stuffers and refills later in the year. Save a Lot Now. The same is true if you wait a couple of weeks after the school year starts.COM 49 . there is no reason to break the bank in the process. You can find some really good prices on loss leaders a month before school starts. The cheap backpacks don’t last and often need replacing before the school year is even over. and without a child to argue with the whole process is faster. I’ve had a Jansport for more than 20 years without any rips or holes. A high quality backpack like a Jansport or LLBean may cost $40. but they will last for several years. I know that backpacks change each year and you can easily spend $15-30 for a pack every fall. Shop Early or Late Stores are trying to get you in as soon as possible to purchase those supplies.
The first thing you must do when saving money on furniture is to determine what you actually need. remember that there is no rule stating that you have to purchase matching pieces. so don’t get one if you have no use for it. make sure you have accurate measurements.COM 50 . If you have something delivered and it doesn’t fit. New or Used? Purchasing used furniture can save you a great deal of money. buying smaller furniture will look nicer and save you a few bucks too. Also. even if you start out with hand me downs from your family. eliminating the need to travel far to pickup the piece you wish to purchase. Also. and frankly. most people never use a coffee table. There is no need to buy a sofa if a love seat will do. Next. You may have room for a sectional sofa with nine pieces. you are going to want to buy some of your own furniture. If your rooms aren't huge. Your best options are to search online sites like Craigslist where people post things they wish to sell. but it won’t be quite as satisfying in your garage when you can’t get it through your doors. you will end up paying to have it returned plus re-stocking fees. eclectic is in. You can narrow your search down by location. Presented by MONEYNING. evaluate your doorways. It's also worth noting that big doesn't always mean better.Saving Money on Furniture Click Here to Read This Online Sooner or later.
0% financing over a period of time is a great solution if you can’t afford to pay for an item outright. New furniture offers fewer negotiation options. Finally. be sure not to overextend yourself. you may be able to move in all your new furniture. Since penalties for late payment are usually fairly stiff. see if you can negotiate a better price. Your best bet is to find what you like and wait for a sale. The savings on financing can really add up if you purchase more than one item at a time. Online Sources Presented by MONEYNING. nothing rough.COM 51 . 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. chairs or tables and look at them from underneath. As the year ends. Stores charge for delivery. cheaply made furniture won’t last and isn’t worth investing in. find something in good condition that doesn’t smell of smoke or animals. On tables.When dealing with furniture you see online or a thrift shops. but just enough to see if the legs are stable. and appears to be in good condition. If the item passes the "smell" test. you can save the fees. give the legs a little tug. For a pizza and a couple of beers. so it's better to be safe than sorry later. Don’t settle for a visual inspection of the top of the item. Turn over sofas. Remember. quality pays. that smell will fill your home once you bring the piece inside. many stores are tying to get back into the black so you will start to see great deals. regarding new furniture. and if you can manage it yourself. Check sofas and chairs to see if the fabric underneath has been moved and restapled. Another way to save money is to borrow your friend’s truck and labor.
Furniture is a big investment. check the Internet before you buy it at a store. you will find something that fits your budget and your style. that way you know what to expect when you arrive at the stores. or offer free shipping.If you really like a particular brand. In the end. You can also spend some time online comparison-shopping without even stepping out your door. Presented by MONEYNING.COM 52 . Outlets and factories may sell the item for less. shop around and take your time. Purchase classic designs.
Does your date like hiking? Pack a picnic and head out on a trail you researched in advance. Consider seasonal activities for a first date. Walking along flower-laden paths in spring is very romantic. Plan a date around that topic. Yes. it’s nice to get treated now and again. creativity shows your fun side and implies you planned a bit. opt for lunch. Ask mutual friends. Eating Out If you really want to go out for a meal. That means that with a little creativity you can really impress. Remember. not dinner. 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. but most young women realize that the men they date are trying to make ends meet too. to discover what kind of things interest her. if you can. Taking a hayride to pick pumpkins or apples in the fall is great fun. and costs nothing. Find out about your date in advance. First dates are supposed to be less emotionally charged. and money doesn’t need to enter the equation. and lunch is more casual than dinner. a college game is more fun than a professional game at a fraction of the price. your date will realize that lunch is less expensive. women aren’t really looking for men who are willing to shell out huge sums of money on a date. Presented by MONEYNING. If your date likes football.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. Sure. but she isn’t likely to care.COM 53 .
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. remember you are there to learn more about the individual with you. she will be much more receptive to a second date. Presented by MONEYNING. Ask questions. Of course. Consider Appearances The absolute worst date I had was actually the second date. Dating is an activity that is fraught with enough emotional nuances without getting caught up in finances. Frugality is a great thing. I was stunned! There was no third date. tap your fingers or discuss work problems. get a second entrée free” coupon and then expecting me to pay for my meal and the tip. listen intently and don’t over share. A coupon or gift certificate is fine and shows you are planning ahead. If your date perceives that you are truly interested in her. saving you a significant amount. Leaving them to pay without any notice will pretty much guarantee you will never see them again. and in this economy. Insisting on sharing a bill after you invite someone is tacky. Don’t gripe about slow service. he asked if I minded that he used a coupon. Many gift cards are available at half price.COM 54 . but think about how your date will perceive your actions.Look online and try to purchase a gift card at a discount for the restaurant you intend to use. we all need to tighten our belts. The fellow invited me to join him for lunch at a restaurant of his choice. I didn’t. When we sat down. Just bring some cash for the tip. Focus on your company No matter what activity you choose. Planning ahead for a fun and inexpensive first date makes good sense and will certainly impress the girl. We all need to save money.
exercise equipment. planters and clothes all add weight very quickly.COM 55 . Presented by MONEYNING. the less you move the cheaper it is. put a big numbered sign in each room in the new house. I started a surreptitious plan to get rid of my pack-rat husband’s collection of "we might need it someday" junk. If you are paying movers. Once you know where everything is going. clothes. Get Rid of It I admit I’m a bad wife.Moving for Less Click Here to Read This Online When you finally make the decision to move. and sell. give away or donate anything you won’t need in the new house. Even if you pack yourself and just pay for the shipping. Before my family moved cross-country. toys. The cash paid for moving the big items we didn’t want to handle. There are some relatively simple ways to cut costs and still get the job done right. right? If possible. measure out your new floor plan. figure out what fits and what doesn’t. Books. Packing up an entire household with furniture. 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. every box adds to your cost. The sofa that fit in this home may not fit in the next. toys and everything that goes with it is daunting. 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 process can seem overwhelming. so why move it? Get your floor plan. Know where you are going This sounds simple. but turning the job over to the professionals is painfully expensive.
Presented by MONEYNING. If you are moving locally they may be worth moving. rugs. pantry staples and plants are expensive to move and are just as available in your new home. Label every box. swing sets. and some bubble wrap from your local office supply warehouse for fragile items. but with a long distance move everything should be considered with an eye to replacement. so call around first. but always check out the company with the Better Business Bureau before you sign a contract. and you provide additional protection to special things. Imagine their surprise when they started opening boxes and found month old trash inside. Pack heavy items like books in small boxes and light items in larger ones. move and unpack. Trucking Along If you are renting a truck make sure you reserve it for enough time to pack up. Don’t use liquor store boxes and grocery store boxes if you can avoid them. Purchase some newssheets from the moving company since regular newspaper is dirty.COM 56 . pianos. The Nitty Gritty Many moving companies will sell you used boxes for a lot less than new ones. that way you don’t have to pack them on their own. The moving company was told to move everything and they did. Toiletries. They come in odd sizes that don’t pack well into a truck. Take out the trash! Friends of mine moved from New Jersey to California and took 3 weeks to travel during the move. Use your linens and towels to wrap fragile items. Shop around for deals on one-way fees and mileage.There are things you need to get rid of because moving them costs more than buying new.
Only work with reliable companies and insist upon a weigh in before and after they load your stuff. not an estimate. Hit the Road Nothing is left to do once everything is packed up but hit the road.If you are hiring movers. Make sure you have an old phone book with you in case you need those numbers. packing on your own saves a lot of money. Presented by MONEYNING.COM 57 . and drive safely. You don’t want the extra fees. yours is not the only house packed on that truck and they have a schedule to keep. That way you only pay for what you put on. In a long distance move they will just leave after a certain amount of time and store your stuff. Make sure you arrive first and are there to let the movers in.
Energy Star ratings are helpful in determining how much energy an appliance will use. a larger machine makes sense. The damage is only cosmetic. First figure out what you need. the machine should last for several more years. Check Consumer Reviews Check out the consumer reviews before you head to the stores. but each category is graded individually. go ahead and make the repairs. so it isn’t as helpful as you might think. Scratches Save Money If you are looking for new appliances but don’t mind a little scratch or damage. If you have several children. Repairs on machines that are less than five years old are generally worthwhile. but if you live alone or have a small household.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. there are things you can do to save money on the purchase. there is no need for a giant washing system even if they look awesome. Get only what you need If you determine that you really need to get a new appliance. The first thing to do is assess if you really need a new one in the first place. Otherwise. the money spent is pointless. you can often save quite a lot of money purchasing from the “scratch and dent” section of a store. If done properly. Presented by MONEYNING. so as long as the total cost is less than half the price of a new machine. Purchasing something that costs a few dollars less.COM 58 . and it won’t affect the way the appliance works. but has a much higher incidence of problems will cost you in the end. Get appliances that fit your lifestyle. An extra large washer or fridge are tempting and exciting.
Unless you have several strong and willing friends. You really don’t need the fanciest washer on the block to get your clothes clean. Appliances often go on sale in late fall. Don't Forget Delivery If you are able to pay cash. you may be able to negotiate on price a bit.COM 59 . this technique works best at the end of a model year. but comparable models in mind. Stores feel that people are ready to purchase just before the holidays in order to display a “spruced up” home to anticipated guests. budget yourself and strike when you see the price you want for the appliance you need. but for a fraction of the cost.Another option is to request the floor model. Make sure that all warranties still apply to either type of purchase. and you avoid the big super stores. New models start turning up and there is more incentive for stores to get rid of their old inventory. Outlets and single stores are much more flexible in pricing than chains. 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. My wall and back will never be the same. Do your homework. Compare Store Ads It pays to get the Sunday papers at this point of the year if you are looking for new appliances. you will completely understand why. just before Thanksgiving. Know how much you are able to spend and have several different. Presented by MONEYNING. Lower end appliances often work just as well as higher end models. make sure you arrange for delivery and set up as well. Holidays Means Discounts for Consumers If you must purchase a truly new appliance then it is time to start checking out sales and incentives. There is no need to purchase appliances of any kind for full price.
Libraries Believe it or not. Ask for subscriptions you want. but each of my three kids gets one too. but as the book is read. That is when I order what I want. then you can still get them without spending a cent. or the holidays approach. Even small. dirt-cheap. As long as you return them on time. so they sell off the rest. There are many times throughout the year when this company doesn’t charge for shipping or upgrades to a faster shipping method free. a library system will order perhaps 100 copies. If you really read magazines. they only need 30. even give them the subscription card you pulled out of a magazine to make life easy. Heck. be it a magazine or newspaper. Presented by MONEYNING. When it comes to books. We have the grandparents pay for them. Many libraries run small bookshops as well to sell off older editions and extra copies.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. it’s a waste of money to pay for a newspaper under the best of circumstances the news is fresher online. libraries are a great place to get books. local papers have an online edition. People always ask you what you want as your birthday grows near. and I admit I don’t purchase many. Gifting I only get one magazine myself.COM 60 . I ask for gift cards to my favorite bookstore or the big A online. When a popular author puts out a new book. Each of us gets a magazine we want and I don’t pay anything. Frankly. they are free.
So many things demand your money from day to day. of course I cheat because my parents get me mine for my birthday. you trade. but think about it. Books. I share my magazine with a friend and I know she passes it on as well.You can also find hundreds of magazines in most libraries.COM 61 . I know someone must be purchasing a bunch of them. Viola. you can check out any older versions. The deal is that each of you pays for one subscription. If you really like a book and want to keep it. newspapers and magazines just shouldn’t be a big-ticket item. I don’t think I have spent more than $50 on books in years. National Geographic or People can wait a month if it saves you money. While you can’t take out the latest edition. we get to read 50 books at a fraction of the price. Face it. I am part of a book-sharing circle. This works well for books too. Then. Presented by MONEYNING. 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. no one minds. We just keep passing books between us. once you have read the magazine. but the idea is still valid. Sharing I love this one because you can get two magazines for the price of one and do something good for the environment. half priced subscriptions. the stories are just as fascinating. if 10 people are each purchasing five books a year.
Do you use your phone as your business line. How do you use your phone? Do you use your phone only in emergencies? Then paying for a monthly contract is foolish.COM 62 . In our case my phone has a data plan and his unlimited texting. Data. texting and minutes are all available in specific increments. I rarely text. If you are considering a plan for several users. If you can find a plan that allows you to roll over unused texts or minutes that is a great feature. I use the internet on my phone constantly. If you have ever received a bill after using too many minutes or texts you know how expensive it becomes. Before you sign on the dotted line. Presented by MONEYNING. but cell phones usually require a long term contract. Figuring out the Features you need Before you even look at available plans. a pay as you go plan makes more sense. 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.000 messages a month. For example.Cutting Costs on Cell Phone Contracts Click Here to Read This Online The have become as ubiquitous as oversized jeans and MP3 players. than make sure you can vary the features by line. but my teen-ager texts about 10. take some time to assess how the phone will be used. Assess your normal use and add 25% to ensure that you don’t exceed your limits. Those contracts can add up to some very big bucks if you don’t shop carefully. but he doesn’t use it at all. not a lot of minutes. the carrier worked with us to create the plan we needed. you should consider some things so you can pick the plan that meets your needs. Is the phone for a teen? They need a lot of texting but generally.
Consider overage charges. Look at monthly fees. The phones are relatively inexpensive and do just fine as basic cellular telephones. pay as you go is a great option. To avoid overlap and competition many large carriers stock different phones intentionally.Price things out Every company wants your money. but you only pay for what you use. You get the security of a cell phone. Find the plan that best suits your needs and consider paying for part of the phone to shorten the contractual length by a year. Run the numbers. 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. Presented by MONEYNING. phone replacement fees and roaming expenses.COM 63 . if you want a particular phone you may have to do business with a specific company. 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. taxes and the price of the phone. Is Pay as You Go an Option? For kids with their first phone or people who just don’t use the phone often. 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. In the end remember that they want your business. you don’t have to convince them to take your money.
I ask for gift cards to my favorite bookstore or from Amazon. Heck. they are free.COM 64 . they only need 30. or the holidays approach.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. a library system will order perhaps 100 copies. Presented by MONEYNING. but each of my three kids get one too. For newspapers. Ask for subscriptions you want. When it comes to books. Gifting I only get one magazine myself. and I admit I don’t purchase many. That is when I order what I want. 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. but as the book is read. People always asks what you want as your birthday grows near. Many libraries run small bookshops as well to sell off older editions and extra copies. libraries are a great place to get books. It’s a waste of money under the best of circumstances because news is fresher online. so they sell off the rest. When a popular author puts out a new book. local papers have an online edition. be it a magazine or newspaper. even if you really read them. dirt-cheap. For magazines.com. even give them the subscription card you pulled out of a magazine to make life easier for them. can still be bought using creative ways for a cheaper cost. I mean. We have the grandparents pay for them. Libraries Believe it or not. even small. There are many times throughout the year when this company doesn’t charge for shipping or upgrades to a faster shipping method. As long as you return them on time.
I share my magazine with a friend and I know she passes it on as well. I know someone must be purchasing a bunch of them. 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. half priced subscriptions. Face it. but the idea is still valid. no one minds. The deal is that each of you pays for one subscription. you can check out any older versions. So many things demand your money daily.COM 65 . the stories are just as fascinating. If you really like a book and want to keep it. I am part of a book-sharing circle. once you have read the magazine. Presented by MONEYNING. if 10 people are each purchasing five books a year. 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 think about it. While you can’t take out the latest edition. National Geographic or People can wait a month if it saves you money. Then. Viola. Books. We just keep passing books between us. Sharing I love this one because you can get two magazines for the price of one and do something good for the environment. This works well for books too. you trade.You can also find hundreds of magazines in most libraries. newspapers and magazines just shouldn’t be among them. we get to read 50 books at a fraction of the price.
A dryer takes a ton of electricity to run. With this plan.COM 66 . and this article will lay them out for you. saving on electricity will be critical. This is how generations of people dried their clothes before dryers were so popular. Wash clothes and dishes with cold water. you might have to invest some money. While these bulbs cost more up front. They will send someone out to evaluate your energy usage and wastage and help you design a plan that will reduce your energy needs. 2. Save the hot water for sheets and towels. 4. 3. Cutting Costs There are numerous ways you can cut costs with simple day-to-day actions too. but remember to replace them with ones that are at least semi-recent that is Energy Star qualified. 1. Start replacing your incandescent bulbs with compact fluorescent bulbs. Use Local Resources Almost every utility company runs an energy savings program. The same is true for most of your clothes. and not using it may mean less shrinkage at the same time. Many dishwashers electrically heat water internally to a higher temperature and most dishes just don’t need it. but the final expenses will be lower since you will be using less electricity over time. they save a great deal of electricity. as the weather gets colder. Used appliances may seem cheaper. Dry your clothes on the line. There are several easy ways to trim those sky-high electric bills of course. If changing them all seem like a huge cost. For those using electric heat. 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.
7. 8. so you want to avoid frequent changes. During the summer. 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. The sun can warm up an entire room very effectively without using a drop of electricity. even while off. Heaters and air conditioners. Clean the filters and keep up with maintenance. if you can’t avoid the expense. Turn off and unplug computer equipment and accessories. 6. Drop the temperature at night and add a blanket or two to the bed.COM 67 . Many will anticipate your usage for the year and have you pay a set amount each month. Use passive solar energy. once you have signed on. Many such things drain power constantly. When these filters are filled. and keep the daytime temperature lower while wearing a sweater. so at least you can plan your budget more easily. Finally. Filters should be cleaned monthly.5. Be wary of introductory rates that will change in a few months. Removing them from the plug keeps them from drawing power. at least ask your utilities company about a budget plan. Open those curtains on the sunny side of your home and let the sun shine in. Presented by MONEYNING. It isn’t unusual to have some up front costs when changing utility companies. even window units. resulting in a greater energy drain. have filters that keep the circulating air clean. the unit has to work harder to pump air. you can close the same drapes and reduce the load on your air conditioner. Consider using space heaters and only heat the room where people are.
you drop to $30 per month. Other gyms have racquet sports that require an additional fee too. not Dollars with your Gym Memberships Click Here to Read This Online Everyone seems to have a gym membership these days.COM 68 . When you are single. There are many factors here. you will pay for it even if you don’t use it. whereas the city recreation centers are only $38. There are many ways you can cut back and still find a good gym for your workouts. will you use the gym enough to justify the expense? For example. you find yourself rethinking that sum of money. It goes without saying that if you don't play.Drop Pounds. Presented by MONEYNING. a gym membership can be expensive. If you drop the pool privileges. while others charge a single fee for access to all classes. don't pay. Some gyms charge for specific classes separately. find out if they offer different packages. and here are a few suggestions. Only pay for what you need. Whether you stick with the same place year after year or hop around. but once those kids start coming along. First. think seriously about whether or not you need that level of service.50 per month. you might be able to justify spending $50 or even $100 per month on your membership. a YMCA membership for a single individual in my neighborhood is $46. One local gym costs $9 per month if you only use the weights and cardio equipment. Levels of Membership Before you sign on that dotted line. If the gym you choose has a pool. Even if you do pick a full service gym. especially if you opt for a full service institution.
Are Gym Memberships for Me? Though gym memberships are expensive. For example. getting a certificate as a spinning teacher or personal trainer makes you a potential employee. but you don’t have an accurate perception of the gym the second you walk in. 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. Employees don’t pay to work out at the gym and they can often include a spouse or partner in their privilege. For the same reason. Gyms have little incentive to negotiate when the crowds are at the doors.COM 69 . Remember to visit at the times you would usually plan to attend to see how busy the facility gets. This will give you a better idea of how the place operates. One More Tip If you have any skills in teaching and exercise. Ask for a free pass and try it out for a couple of weeks. they are not always a bad investment. Check the crowds on the weekends and during the evening hours.When NOT to Buy Never buy a membership the first time you walk into a gym. By March. The first few weeks of the year are when gyms are packed with people determined to live right. You don’t want to have to fight for a treadmill to use or wrestle over the weights. few people are left and the gyms are much more interested in bargaining with you to boost their membership numbers. The added benefits of improved fitness and a lower rate of health risks translate into even Presented by MONEYNING. You may be tempted by all the shiny equipment and good intentions. avoid the early summer since people are trying to get back into shape before the season starts.
If the class you are taking is a repeating. Check to see if the library keeps a few copies of the book on the shelves. Most publications aren't really helping either. but it is still better than buying new. Ramen soup. The savings aren’t as large. ever purchase a new book before you consider other options. 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. but here are some other areas where you can trim the bill. 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. Make your own coffee. Frugal Food If your college doesn’t demand that you purchase a food plan. but you can read there. But if you choose to pay for it. oatmeal and coupons are your friends. there are many people don’t even think about. Book Bargains Never.COM 70 .bigger savings down the road. someone took it last term. If you run out of time or can’t find any other options. You may not be able to take them out. Avoid eating out and shop the circulars. You can usually get incredible discounts because other students need money to buy books for their next term. common class. We talk about better ways to find financial aids. as that $5 drink at the coffeehouse can be Presented by MONEYNING. peanut butter. ask the college bookstore if they have a used book section. Consider online vendors before you look at full service vendors or campus stores. While there are obvious ways to save on costs while in college. you have it made.
For the price of a beer. Get a meal plan that suits your eating style. consider that you can catch most programs on your computer and the big game is showing at the sports bar down the road. Take food back to your dorm room with you if you can to save on meals that aren’t covered. and remember that you don't need EVERYTHING. You provide the space and paper goods.COM 71 . If you want a bigger party.duplicated at home for mere pennies. Entertainment on a budget College isn’t all about education after all. but if you are a grab and go eater. but staying healthy is a must! If you do have to get a food plan. Saving money is important. Saving money where you can while college is just plain smart. Go pot luck and BYOB. Presented by MONEYNING. Before you shell out $50 or more a month. and everyone else can share the burden. Cable television and high end TV’s aren’t likely to be in your budget. and you will be surprised how much easier life could be. have everyone chip in. you can watch your game with a bunch of other sports-crazed patrons. The price of feeding and providing beer to a large crowd is more than any college student should spend. USE IT. 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. Make sure you do get some fruits and veggies in that diet though. then a cash card that lets you pick what you want is better. Stick to your budget. a full meal plan is great. Don’t start your adult life in debt.
Front loading machines use less water and power. Here are some simple suggestions to help you cut costs. but bras can usually go a couple of days. These solutions help break Presented by MONEYNING. but even they should be truly full before run. teenagers aside. on the other hand. Fill you machine each time you use it. and school clothes didn’t get washed much. Sweatshirts are usually worn over something else. When I grew up. Check out the consumer rankings and pick one of the better soaps.Saving Money while Doing Laundry Click Here to Read This Online Some people have a love hate relationship with Laundry. Any brand of bleach is fine. Fill and Chill Just because you wore something doesn’t necessarily mean it needs washing. Better soaps translate into fewer re-washings. Things like socks and underwear should be washed after every wear. On the one hand there is something very satisfying about looking at a pile of sweet smelling clothing all folded up and put away. Pre-treat stains at least 30 minutes in advance of washing. Today. with the convenience of a washing machine in every home we think we need to wash something just because it was worn. some brands do a much better job than others. barring hot weather or food stains. While many people prefer to spend less money on detergent by purchasing store brands. they don’t need a trip through the machine each time. can surely be worn twice. I only use hot when I am washing sheets and towels. we had school clothes and play clothes. but the expense can eat into your budget. Sort. Use cold water whenever possible. but still get the job done right.COM 72 . Doing laundry is a regular endeavor for most people. so sort the clean from the dirty. it never seems to end. Jeans and blouses.
Presented by MONEYNING. is the fact that they stay new looking for much longer. This makes for less ironing. Spend a few dollars to purchase a drying rack and hang dry most of your clothes. You can also try adding half a cup of white vinegar to your wash for improved softness. Dryer sheets are pricey and you can make your own.COM 73 . Drying Out Expenses Running an electric dryer is expensive and uses a lot of energy. toss them in as well. The heat and abuse clothing takes in the process of being laundered accounts for a significant portion of their wear and tear. much cheaper and still effective. The best thing about cold washing and air drying your clothes. Keep the dryer for large items like sheets and towels. 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. if you really can’t stand the feel of air dried undies. You can also try adding half a cup of white vinegar to your wash for improved softness. you also reduce the quantity of clothing you need to replace. incorporate a standard hanging pole in your laundry area. If you can. By saving money while doing laundry. The sun and air are free. by the way. if you are the ironing type.down oils so they wash out better. Use plastic hangers to avoid rust and wood stains and hang up your shirts and pants. and.
Budgeting to Save Money on Bills Click Here to Read This Online They turn up in the mailbox every month. Redoing your landscaping with a focus on drought resistant plants and smaller plots of grass will save on money. or even to an apartment. For example. Taking in a college student as a tenant can help defray housing costs as well. and they cost a lot less than large cuts of meat.COM 74 . How to Trim Essentials Bills Food. but that ability is heavily dependant upon some factors. to trim shelter costs you can move from a large home to a smaller home. The first thing is to cut services you don’t need and the second is to find ways to get the things you need. Changing to compact florescent bulbs and setting the thermostat lower in winter will save on gas and electricity. Food is one of those areas where relatively large cuts can be made with little effort. Weatherproofing helps reduce waste and energy lost from the windows and doors. Presented by MONEYNING. power and shelter are all essentials. This may or may not be realistic. If you want to save money on bills you need to approach the problem in two ways. A sweatshirt is cheaper than heating a whole house to 67°. Each can be trimmed. • • • • • Power costs relate to what you pay on gas and electricity and in some areas water as well. as do eggs. but carries some risks. • Ground turkey and beef provide plenty of good protein. You don’t have to survive on Ramen noodles either. demanding your attention and your money. cheaply.
fancy haircuts and gym memberships are all luxuries too. you can get the same services performed by supervised students at a fraction of the cost. If you are in the professional world and feel that you must have the manicure and haircut. reprioritize your spending and watch your bank balance grow. I know that we don’t really think of cable and Internet as luxuries any more. Clip coupons from your paper and find them online to save the most possible. you are spending more than needed. If you carry it for anything other than emergency calls. don’t try to fit your profile into a specific package. but they really are. Pedicures.• • Luxuries Plan your menu around the circulars for the week and cash in on the discounts. manicures. some of us use a cell phone exclusively. Presented by MONEYNING. I don’t use the highest level of DSL. 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. but shop around and find a plan that meets your usage profile. Cell phones are also luxuries. Now. Saving money on your bills is all a matter of viewing them in a new light. In that case you need more than basic service.COM 75 . having abandoned the land line. check out a local esthetician school. believe it or not. Be creative. rather I settle for a slower speed that is still plenty fast since I don’t game online.
If you have a fan in the room. use it even when the air conditioner is on. This keeps the outside fans running smoothly. moving air feels cooler than still air. snow and other materials. If you want to save some money and still enjoy your air conditioner. 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. Keep debris and greenery away from the unit. The slight increases in cost will more than pay for itself over a couple of years. Additionally. The fan helps circulate air in the room.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. so you can get away with a higher temperature and still feel comfortable.COM 76 . reducing wear and tear as well as optimizing efficiency. Gone are the days of opening windows and putting up with the heat. Figure out the square footage of the room before you purchase. Window Mounted Units Contrary to popular opinion. look for one that has a high seasonal energy efficiency rating (SEER) for maximum savings. cooling it more efficiently. Presented by MONEYNING. Cover the unit during the cold months to keep it free of leaves. here are some ideas. Homes are usually built with central air incorporated unless you are fortunate enough to live in a cool and dry climate year round. bigger is not always better when it comes to air conditioning. If you are purchasing a new unit. A larger unit takes more energy to power. but take into consideration higher than normal ceilings and the amount of sunlight that enters from windows.
cleanliness is critical for maximum efficiency.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. Close Doors If you have a window-based unit. consider shutting vents and closing doors to rooms that don’t need cooling regularly. but with a little effort you can cut your cooling bill dramatically. Install a Whole House Fan Consider installing a whole house fan. pulling cooler air up from the basement and generating a light breeze throughout the house. With central air. For either type of unit. As the temperatures drop in the evening the house cools off nicely. I use the fan all summer long. In my home. Having an air conditioner and saving money may not seem possible. Trees and bushes outside help keep the outside of the house cool. The less the unit needs to cool the less energy used. 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. Clean them regularly to ensure good air flow. These fans do a terrific job of moving air through the house. Use Foliage to Keep Heat Out Use drapes and greenery to reduce the amount of passive solar energy you need to combat. it is only meant to cool a certain room so close the door to prevent overworking the air conditioner. Presented by MONEYNING.COM 77 . Drapes shut out sunlight during the hot months and can be opened in the cold months to reduce heating costs as well.
but reducing your water consumption can be done in a relatively painless fashion. As more and more of this precious natural resource is taken up by large scale farming and manufacturing. Time your Watering Correctly Watering during the height of the day is wasteful and bad for your plants. Focusing your landscaping on such plants reduces the amount of watering you need to do. It also minimizes open patches of lawn that require high levels of water to retain their green appearance. Check with your county extension office for suggestions and help. Xeriscaping is the Way Xeriscaping describes a method of planting that uses predominantly drought tolerant plants and little grass. so read on and save yourself some money.COM 78 . The only effective way to cut costs here is to cut water usage.Don’t Pour Your Money Away on Your Water Bill Click Here to Read This Online The price of water is going up. In years when watering is prohibited. these plants survived. Good xeriscaping groups plants with similar water needs together. Each region in the country has plants that tolerate variations in annual rainfall better than others. the average citizen finds his water bill spiraling out of control. Grass in particular is easily damaged by the sun’s rays focusing through the drops left on the leaves. grass takes a tremendous amount of water. minimizing the risk of developing molds on the grass and plants and reduces Presented by MONEYNING. meaning you don’t have to replant. While in the States we are accustomed to seeing large lawns. Watering early in the morning or late in the afternoon allows the water to dry. preventing disparities in watering levels once plants have been established.
faucets and shower heads immediately. consider replacing them. Presented by MONEYNING. Avoid using the garbage disposal at all and invest in a good compost bin instead. if you don’t have low flow shower heads or toilets. raising your costs. When water soaks deeply into the soil. None of us have money to waste. and water is clearly an essential item. Don't overlook this.COM 79 . Fix leaks in toilets. It will instantly reduce your water usage each time you flush. but there is no reason not to cut costs wherever you can. A significant portion of water used on lawns is lost to evaporation. You should also plan to water deeply a couple of times a week. but together they can nearly halve your water consumption. it encourages deep rooting. All these tips may not seem like much individually. instead of shallowly many times a week.evaporation. If you can’t afford the expense. Even a slow drip adds up very quickly when left unchecked. washing machine and garbage disposal use a lot of water. Only run the dishwasher and washing machine when full. You can get advice and supplies from your local hardware store on how to repair these basic problems. place a gallon jug filled with water and sealed into each toilet tank where they won’t interfere with the toilet’s functioning. The dishwasher. Lower water usage leads directly to lower water bills. Plants are more resilient and healthy when their roots are deep. Also. Indoor Water Usage There are some appliances that waste a great deal of water.
Up front savings of $. the gas companies like to stick it to the driver by raising prices just when we are about to hit the road more. No matter when you are traveling. Almost every supermarket and grocery warehouse now offers discounted gas.10 or more are common.COM 80 . However. Be wary of the supermarket deal though. and that is no bargain. you shouldn’t be paying full price if you can avoid it. (Everyone knows this is obvious. your car is in good operating condition. Ensuring that your tires are properly inflated. You can't do much to prevent paying more during these times. you get your discount. 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. 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. fueling the car you want to drive over the weekend earlier in the week and using another vehicle can help a bit. The benefit is usually offered just to the members of warehouse clubs. Once you hit a certain level of purchases each month.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. This translates to higher prices during the summer months in particular. but supermarkets offer a “savings card” to use whenever you shop at the store. When combined with other basic strategies you should see some significant savings. and that you stay within the speed limit all help reduce your fuel usages. You might end up spending a lot more on groceries in order to save a few cents on gas. but so many of us do this so watch out!) Presented by MONEYNING. but also elevations around big holiday weekends year round.
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.
Presented by MONEYNING.COM
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.
Presented by MONEYNING.COM
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.
Presented by MONEYNING.COM
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
Presented by MONEYNING.COM
Don't forget those either. They will be thrilled to have your business and will work on price with you. • • • Rather than renting movies. make it a pay bar or give a certain number of tickets to each attendee and let them pay beyond that. the same holds true of the theater or ballet. Couple simple points to remember: • • • Lunch is always cheaper than dinner Finger foods are less expensive than a sit down meal. Sometimes the best restaurants are the hidden gems. Many places. If you guarantee a certain number of people and pay beforehand. it isn’t the price tag that makes entertaining great.COM 85 . like a wholesale warehouse. and dress rehearsals are often watchable for even less. matinees are cheaper than evening shows. If you know of such a prize. sell movie tickets for at a discounted price. Invite your friends.If you find yourself in the position of having to entertain out. Don’t buy microwave popcorn but make your own. it is the people. If you must go to the movies. and the opportunity to get together with people you truly enjoy makes an evening memorable. It is healthier and actually more convenient. If you plan to have a bar. unlike bigger. The conversation and laughter will more than make up for a limited budget. well established restaurants. • There is no time that isn’t good for potluck. Remember. plan ahead. Presented by MONEYNING. With so many companies arranging holiday parties. call them well in advance and see what you can work out. the savings are substantial. get them from the public library free. you may need to reserve several weeks in advance. pull out some good board games and make an evening of it. you can cut costs with some forethought. Other Entertainment Tips Even if you are just planning on your own entertainment.
the credit card company might.COM 86 . Many insurance companies will provide coverage in a rental car. Either way. That rate includes nothing but the car and in some cases. insurances or the surcharges that are common for renters under the age of 25. Decline Additional Coverage. just about everyone ends up needing to rent a car. as long as you pay double the going rate on fuel. even for a short period. If your insurance company doesn’t cover it. Want to pick up the car at one location and return it at another? Cha-ching. which is the best place to compare rates. but once you tack on extras. or their own car is in the shop and a rental becomes a necessity. Cars rented from the airport often have an additional surcharge. If you have looked at prices lately you know that getting a car. By the time you finish adding it all up the total is much higher than you expected. The Not-So-Complete Daily Rate When you go online.How to Save on Rental Cars Click Here to Read This Online Sooner or later. you pay a surcharge. Didn’t have time to fill the tank before turning in the car? No problem. Fill the Tank and Save Money Before you rent a car. the price skyrockets. It doesn’t cover gas. call your insurance provider and credit card company. Whether it is because they are on vacation and need a set of wheels. you find that cars are advertised by the daily rate. you save money. Presented by MONEYNING. can be expensive. mileage. meaning you don’t have to take the overpriced version for the rental. Advertisements may imply that you can rent something for $19 a day.
Car rental can be a bit of a hassle. the better gas mileage it usually gets. 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. Using the company website can save you money if you hit a sale that isn’t shared elsewhere. unless you like to spend for no reason. you save money. You can frequently find gas stations near the rental location and as long as you drive less than 10 miles you should be fine. You may be able to get a day free on a longer rental. The catch? You have to pay for one full tank of gas. Also consider checking with your insurance carrier. or upgrade at no charge. The smaller the car. Even “small” cars made today are fairly roomy and almost everyone can fit inside. or sometimes even a slightly lower than outside rate. The larger the car the more you pay. They just cost and you still have to wait for the red light. but when you need to rent a vehicle there is no reason to pay top dollar. Stick to economy cars. Shop Around and Use Promotions Don’t just go to one of the wholesale websites when searching for a car rental. Also avoid “specialty” cars like convertibles and SUVs. so it just isn’t worth while forgetting. 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. Presented by MONEYNING. Some companies started offering gas at a very similar. In either case. the credit card company and even your automotive club if they offer coupons to use with car rental agency. The other way smaller cars save you money is from gas.Fill the car before you return it to the rental office.COM 87 . The price charged by most rental companies is at least double the going rate.
b or c. that will double your cost. but have shorter wear warranties. especially those for some of the newer all wheel drive models. can be very expensive. Compare not just the tire prices. as even relatively small variances in wear on the tread will affect drivability. Shop Around While every brand is different. Other common offers include free mounting and balancing. Then pick the best choice. What is a car owner to do? The simple answer is to play the system. performance tires or ultra performance models. but also the price of getting the tires on your car. If your car is an all-wheel drive. consider going down a size if possible. so you can take advantage of sales and promotions.How to Save Money on Tires Click Here to Read This Online You can’t drive your car if it doesn’t have tires. If your car demands a fairly expensive tire. If you require snow tires as well as three-season models. Start looking early. since the speedometer is set according to the original tires. Determine if you want regular tires. but pieces of rubber. It is possible to buy a smaller tire than originally intended for your car. as long as the circumference remains the same. there are no differences whether you get it from shop a. Don’t wait until the last minute to go tire-shopping. you will need to replace all four tires at once. Performance tires usually provide better handling and maneuverability at higher speeds. Many tire shops offer a “free” tire with the purchase of three. 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. Presented by MONEYNING.COM 88 . or road hazard insurance.
Brands. and these are usually smaller shops. odd tread wear patterns and any damage to the sidewalls. The last four digits in the required DOT number determine the week and year a tire was manufactured. Once you have paid several hundred dollars for a set of tires. Protection and Maintenance All of the top tire manufacturers that sell tires in the States are fairly reputable. if the last four digits were 2610. Properly inflated tires reduce drag and improve your gas mileage dramatically. Because rubber naturally breaks down. will try to slip a cheaper set of tires on your car for a higher price.Things To Look For One of the first things you want to check. obvious nails or screws penetrating the tread. you want to avoid getting a set of tires that is more than a couple of years old. A good set of tires that are well maintained will save you money at the pump. and the information is coded.COM 89 . the best thing you can do to save money is to take good care of them. As long as you stick to one of the better-known tires. For example. Honest errors occur. although they all have a bit of a niche where they specialize. You are searching for bulges. once the size and style have been determined is the age of the tire. Do some research regarding your needs. All tires must list when they were made. the most likely place you will save money on tires is after the purchase itself. but dishonest shops. you should do fine. Continental is well known for light truck tires and Michelin for long tread life. This means keeping them at the proper tire pressure. In the end. Presented by MONEYNING.000 miles and visually inspecting them at least once a month. then the tire was manufactured in the 26th week of 2010. Double check to see that the tires you paid for are the tires you got. rotating them every 6.
Whether you are a believer in the current system of government assistance or not. a calculator and a slide rule as well as a bagful of receipts. Do-It-Yourself Gone are the days when someone filing taxes would sit down with a pencil. That means that you want to save as much money in the preparation process as possible. you can find several excellent Tax Prep software products at many brick and mortar stores. You can also use online versions. Frankly. Which one you choose is really a matter of personal preference.COM 90 . which is essentially the same as a program you install on your computer. Avoid Seasonal Tax Prep Offices Each year numerous companies suddenly offer Tax Preparation services. sending in your tax forms each year is a requirement for those who have earned enough. Another nice feature is the flexibility to walk away and get back to things at a later date. Today.How to Save Money on Filing Taxes Click Here to Read This Online There is nothing pleasant about filing taxes. Why pay someone else $300 to do the same thing you could accomplish with $80 of software? Barter for Services Presented by MONEYNING. The only difference is that they organize your bills rather than you doing so. without bending the law. These programs will walk you through the process of filling your tax forms and optimize any and all deductions for which you qualify. if you want to go at it alone. They charge you to use the same kind of software you could purchase yourself for less money. but after you try one or two you will know what works best for you. take a couple of days and sort your own stuff.
offer to trade services with them. It’s a great set up. You can send them electronically at no charge through the Federal IRS website. I. you cannot be late with any amount that you owe the IRS. Each year I offer him two massages to prepare my business taxes. Be Old Fashioned Filing electronically is faster and you save money on stamps. you want to be very careful. you still need to send in every dollar that you think you will owe. However. it is possible to pay them properly while saving money on filing taxes. make sure you send in an extension request. While giving the government your money may not be your favorite activity in the world. and I get my taxes done by a professional. am a massage therapist. for example.COM 91 . If you miss your date you will end up paying fines as well as interest. He often gives the massages as gift certificates to his wife as birthday gifts. so it just isn’t worthwhile. Don't forget that while you can file an extension for your return. and then don’t forget to send them on the revised date.If you have a friend or acquaintance who is a CPA. If you need to be late. Presented by MONEYNING. Don’t Miss your Deadlines If preparing your taxes by the deadline isn’t possible. You can surely find a service you can use in barter. Make sure you hold onto a copy of your Federal and State files. Staying on top of this is your job. 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. and I have a CPA friend. not that of the IRS.
Even the bookstore at your school will purchase back books that will be reused the following year and offer them at a significant discount.Be Smart with Textbooks and Save Some Money Click Here to Read This Online College is ridiculously expensive no matter what you do. it is time to start searching. check the library. Think about it. If you know someone who took the course in the previous semester.COM 92 . especially for a higher level class can run over the hundred dollar mark. One of the best places to save money is textbooks. ignoring other highlighters is difficult. so why do you need to? The more worn or written in the book is. and most classes require more than one. If you don’t have that option. An average textbook. getting a new book is a phenomenal waste. Don’t Buy New The most expensive textbook to purchase is a new one. They don’t have to read everything as closely and just focus on the highlighted material. ask to borrow his or her book. Saving money on these books is easy. the greater the discount. For some. others see it as a benefit. but it takes a bit more planning than just stopping by the college bookstore. 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. Even your professor isn't using a new one. Beg. Borrow or get it cheap Once you pick up your required reading list at the bookstore. 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. Presented by MONEYNING.
Making a copy of a chapter you need is cheaper than investing in an entire tome. If all these strategies fail you because you didn’t leave yourself enough time to work your way through the options. Presented by MONEYNING. there aren’t too many books available. but in this case. By only purchasing the books you need most. Next term. You just have to make sure that the books will arrive on time. remember to start your search earlier. Online bookstores sell just about everything for a lot less. There are plans in place to start an ebook website specifically for textbooks. Time is money. and not so common. bite the bullet and invest only in the books you need. you can save the expense associated with purchasing a $50 book. Others will be more honest and let you know which books are strictly for reference or won’t be used often. Free-cycling websites often list common. not spending the time will cost you big money. but the sites should expand.COM 93 . textbooks that are available for the price of the gas it takes to pick them up. you can get your books free from time to time. 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. Free Options While not as reliable as discounted options. which you will only touch once.Another choice is to go online and check out the prices with dealers of used textbooks. Talk to the Professor Some professors will swear that you will need to read every book they assign. For now. you can generally find texts that no longer have copyright concerns. At this time.
Yes. so let’s look at ways you can cut your bill. without abandoning your service. They both offer a ridiculous number of channels dependent upon how much you are willing to pay. you will want to pick the satellite provider even though you get fewer channels. 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. This means taking a look at the channel list and based your decision on your own situation. You will still be able to get the news. Still. Basic service isn’t too prohibitive and should be plenty for most households. you can get local channels by using an antenna. In this case. but you won’t have the “benefit” of premium service. Cable is less influenced by weather patterns but even with that potential advantage. satellite based transmission is considerably more reliable. for most families this solution seems radical. Consider an Antenna If you are not a huge watcher. we cut the cable almost two years ago. Of course. and after the initial whining the kids figured out how to entertain themselves just fine. you won’t be paying anything other than the original set up expense of purchasing that antenna either. but it works just fine.COM 94 . Cable or Dish It really doesn’t matter if you chose to use cable service or dish service. public television and a few other selections. In my household. Choose whichever option gives you the channels you want for the best price.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. For example. Presented by MONEYNING. it is old fashioned. and you do have that all-important HDTV.
and still lets you have your fun. added up over the year. Get rid of extra receivers by returning them to the local office. If you can’t imagine cutting the cord with TV completely.COM 95 . Bundling often gets you a discount. enroll in the most basic plan possible. Your VCR will do just fine for recording missed shows. Consider watching programs online instead of on TV. especially if you rent it on a monthly basis. If you sign up during a promotion period and get some premium channel free initially. price wise. you may be able to pick it up this way. at least for some period. Presented by MONEYNING. is significant. Consider removing any DVR you got. Calculate your savings and decide if it is worthwhile switching to that company rather than staying with the one you currently use. Try to bundle services. If your favorite show doesn’t appear on your new broadcast arrangement.Combine and Eliminate Services to Cut Costs Once you have figured out which service is the best for you. many phone companies now offer internet and cable along with the land line service. We all know that we spend too much time in front of the TV and the cost. but frankly. free of charge. cutting back is a great way to save money. Granted you have few channels to surf. mark on your calendar to terminate those services a day before they run out. like I did. For example. It is just incredible how high that bill will jump if you miss by even one day. the savings are more than worthwhile. Several websites offer episodes of the most popular shows.
Most stores will refund your purchase. I used to be married to a man who would only accept a specific. For this purpose a simple four pack is your best choice. Unroll a few sheets and crumple it up or fold it in the manner you would when using the product. I had grown up with a much cheaper brand and was astonished at not only the price. but also at how thick this new brand felt. Generic is just as Good. try it out in the bathroom. so let’s look at some ways to cut costs in the bathroom. sometimes It is undeniable that many generic brands are cheaper because they are frankly not worth the money. they are thin. Otherwise return it to the store and ask for your money back. Unfortunately the only way to find out just how good a toilet paper product is is to purchase it and try it out. It may take a while. any good quality paper will do the job well. it can generate quite an emotional bond. barely absorbent and fall apart (oh no!) just when you want them to stay together. If it still feels comfortable. Toilet paper should be relatively soft to the touch and feel sturdy as well as substantial. Buy in Bulk or on Sale Presented by MONEYNING. but you will find a product that feels good and works well. but are still worth while in a small one. Whether they are two-ply or four. For a product you use to wipe your bum.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. All in all. The savings over the course of the year can be significant in a larger household.COM 96 . If you can read the newspaper through the product you are not going to get good absorption. premium brand of toilet paper.
The price is significantly less than that of the premium brands they sell along side. More “business” will clearly need more paper. Toilet paper coupons are common. You may need to wipe twice to feel clean. With a decent product a “basic” wipe takes about four sheets. The two big warehouses each have a decent generic toilet paper brand. Purchase when the brand is on sale and really score big. the savings will really add up. it is even better. Folding paper rather than scrunching it up makes it more effective as well.If you have a membership at one of the popular warehouse clubs. spouse and housemates to use less toilet paper. stock up. consider purchasing their house brand. Just Use Less In college I had a roommate who could use half a roll of paper at a sitting. If you can get the coupon multiplied.COM 97 . especially in light of the fact that toilet paper was one of those equally shared expenses. It was truly frightening how much toilet paper she wasted. or at least more wipes. Presented by MONEYNING. Once a sale is announced. Teach your children. but that is pretty true of most papers. Between the price of a generic product. better shopping habits and using less.
Every morning she gets a ride with three other people. Not only does the bridge toll drop from $8 to $2. she doesn’t pay for the ride. Presented by MONEYNING. As she has been in her job for nearly 40 years. If she drove herself and couldn’t use the HOV lane. but it has some hidden benefits. she has a coveted parking space. Many cities have reliable bus and light rail service from the suburbs as well. it would be at least twice. you really should be using public transportation. which makes her very desirable as a car pool mate. we need to find other methods to save money while still getting around. My mother works in NYC and lives about five miles away. but the commute time drops to 30-45 minutes too. if not three times as long.Save Some Money on Transportation Click Here to Read This Online The amount of money we spend on transportation is incredible. you can work or sleep while commuting. essentially commuting for free. Public Transportation If you commute every day to a workplace in another city. the savings are incredible. That means she has to get across the infamous George Washington Bridge during rush hour in the morning. fueling up your car is still an expensive proposition. Since she provides the parking space free of charge. Since the United States driver hasn’t figured out that a smaller car uses less gas. An additional benefit.COM 98 . Car Pool Almost as unpopular as public transportation is the idea of car-pooling. While gasoline prices have dropped in comparison to the summer of 2008. When you compare the amount of money you spend on gas to a bus pass.
eliminating the need for a replacement. Wait until you have several errands to run before heading out. and you can find many late model cars with low mileage available for purchase. While scooters are very popular now. so you don’t double back more than necessary. Simple things like changing the oil every 5000 miles. While the difference between 18 MPG and 25 MPG doesn’t seem tremendous at first. you will spend several hundred dollars more to fuel a less efficient vehicle over the course of a year. wasting fuel. Raising your deductible. 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. Purchasing a car is an almost inevitable part of American life. Look for a fuel-efficient car and maintain it well. removing collision and comprehensive insurance on an older vehicle and bundling your policies all help save money. it involves owning a vehicle of some sort.Saving Money on Car Ownership Click Here to Read This Online (Coming Soon) Transportation goes beyond just getting from point A to point B. but it still doesn't have to be expensive. Next. Additional Savings Other simple saving strategies include cutting back on car ownership expenses. they aren’t much good in bad weather. For most of us.COM 99 . First. consider your insurance policy. Presented by MONEYNING. Keeping your car well maintained reduces repair costs and ensures that it continues to run for years. plan your driving out well. The price of a car drops significantly once it has driven off the lot.
Finally. but there is no reason that transportation should be any more expensive than necessary. you'll be saving a bundle and enjoying life much more. With a few small changes. We all need to get around. use one of the many online gas pricing websites to find where fuel costs the least in your neighborhood.COM 100 . Presented by MONEYNING.
With many companies offering free shipping to long distance customers. 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. Whatever the reason. No one has complained. 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. and more than a year later they players are doing just fine. Open box items are often returned to the store in perfect working order. Additionally. Perhaps someone measured incorrectly or made a large purchase without consulting their spouse. Once repaired. Refurbished or Open These two gems are not tapped often enough. Items that were originally purchased and had some minor manufacturing defect return to their parent companies for repair. you also avoid paying tax. 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.COM 101 . I saved 40% over the price of the same toy when purchased new. I admit I got all the MP3 players my family uses from the refurbished rack. the appeal of not having to drag a huge box out to your car is clear. it is the best way to comparison shop without leaving the house. be relieved that there are some great ways to get your electronics for less even without the holiday season sales. which can be 10% of the total price of an item. many stores offer larger discounts online than in the store. for some reason. If. you need to buy now. If you are shipping your item from out of state.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. the item is returned.
The item will have the same guarantee and warranties that any other new product carries. you can find just about anything at a range that will match your budget. Gone are the days when a price was quoted and you either took it or left. evaluated by unbiased sources will help you save money in the long run when it comes to repairs or replacement. Picking for well regarded items. 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 worst that can happen is they say no and you move on. There is simply no reason for anyone to pay the full retail price of any electronic item anymore. coupons. Presented by MONEYNING. Heading to a Store Be prepared to negotiate if you do decide to head to a real bricks and mortar store. you can at least ask for a discount. if you are polite. and comparison shopping. Patience is crucial to finding a good price on the item you want. Between rebates. Remember. 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. Avoid the Extras Extended warranties and service plans will add costs with remarkable rapidity. refurbs.take it off their floor.COM 102 . Today.
pick the best. A contractor understands that you are working on a budget. the things that are most popular or high end will cost the most. Taking apart a wall because the water pipe or valve is leaking is an expensive proposition. preferably with measurements. Check them out with the Better Business Bureau as well.COM 103 . There are places where you can save money without compromising quality. and other areas where you should plan to spend more to ensure a good result. Figure out your budget in advance. ask where you can cut expenses. Make Complete Plans Before you start calling around to price contractors. Remember. Recommendations and referrals are your best source for finding a good contractor. just Presented by MONEYNING. If the job comes in at a higher price than you expected. If anything is going in your walls. then add 10% minimum to deal with the unexpected. Avoid any contractor with a history of similar complaints. and present it to the contractor when you first meet. This is an area where you can compromise and select something just as lovely for a lot less money. Show any unusual elements you want incorporated. Picking the Contractor This is one of those places where cheaper isn’t better. sketch it out. and set up your financing. figure out exactly what you want to accomplish.Remodeling Your Home and Not Your Bank Account Click Here to Read This Online (Coming Soon) Remodeling your home is an often held dream. Ask for an estimate on price for the job you planned. Pick materials you want by visiting home improvement stores and specialty stores. If you have any unusual elements you want to include in your design. You can turn that dream into reality without going bankrupt if you make a few wise decisions.
you will have the home you wanted for as long as you live in it. While it may seem like a lot of money. this is a poor choice because your contractor will have usually have access to the best prices.like he is. Renovating your home is a messy. If you are purchasing an unusual. but always compare with your contractor to see who has found the best deal. Under just about every circumstance. high end item it may pay to price things on your own. Contract Confidence Make sure you hire a contract lawyer to check and recheck your contract before you sign on the dotted line. and something almost always does in renovations. It takes time. In the end. This is one area where you don’t want to skimp. and a great deal of patience. even if you don’t recoup all the costs when selling the home. Make sure you have a good timeline from your contractor. often expensive process. Presented by MONEYNING. Who Purchases What? Sometimes you will hear people say that they opted to purchase their own supplies when engaged in a home remodeling.COM 104 . and accept that as long as work is ongoing you will have a mess in your home. creativity. it really is just a fraction of the total price and it can save you loads of money if things go wrong. They are in the best position to tell you what elements you can sacrifice without impacting the whole project. work with someone you trust.
Contact your city and find out if they have either available before you spend your money. 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. Doing it yourself will save you money and give you a general feeling of satisfaction. You can often get some great bargains with a little effort. Evaluate your yard and draw out a plan of where you want to place each bush and tree. Just make sure you get the plants in the ground quickly. get them at one location so you save on delivery fees. especially for new developments. before the soil hardens.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. Having your sprinkler system in place to match the design you want will save you money as well as hassle. You can get bricks and lumber from construction sites if an old house is being torn down. Purchasing in the late fall. While the thought of moving your own trees around the yard may be intimidating. a little know how will go a long way.COM 105 . Shop around for the plants you want and if you can negotiate a bulk discount. is a great time to pick up trees and shrubs. but get permission first. Presented by MONEYNING. Plan Ahead Steps like improving poor soil or arranging good drainage are best done before you put in new plants. Organize any beds you want and select plants with similar growing needs to be placed next to one another. Look for Free or Cheap Supplies Many cities offer free mulch and trees as part of their beautification plans.
fertilizing. and trimming all take time and effort better spent playing with your kids or just relaxing. Even a small scale landscaping project can cost over $1000. especially in dry climates. Not only does this mean you can do the work as you can afford it. Presented by MONEYNING. Watering takes a great deal of water. weeding. Pick a section of your yard to work on each year and soon you will have the yard you always dreamed of. If you have young children that play outdoors. I plant them once and they come up over and over again each year. without breaking the bank. and the prices will just go up the more work you do.COM 106 . Mowing. Minimize your Lawn Not only is lawn labor intensive once planted. which raises your expenses. keep an area of the yard grassy for that play structure and games of tag.Get the Most Bang for Your Buck I love bulbs. 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. rock gardens and paths. By grouping together bulbs that bloomed at different times with differing heights I had an endless supply of color all around my home. it is expensive to maintain. beyond that think flower beds. Big home improvement stores generally have great bulb selections in the fall and spring. Break It Up Plan to complete your project in phases. it lets you see how you like your changes gradually.
Shop around and do it early. Car Insurance Since you have absolutely no choice about having car insurance. it pays to make the most of every dollar. Ask about discounts. or your job is just a couple of miles from home. Make sure to set aside the money needed if you do have an accident and need to produce the higher premium. Some companies offer lower deductibles for each year you go without having a claim. insurance companies will almost always match any legitimate offers you find.COM 107 . in my book that is no savings. With rising costs hitting all of these necessary protections. but before you do that. The quickest and easiest way to drop those premiums is to raise your deductible. I know that there are many advertisements trying to entice you to change companies. If you don’t drive much.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. homeowners insurance is required if you carry a mortgage. and any parent will tell you that medical insurance is crucial. Car insurance is mandatory in all states. compare what you are getting right now to what they are offering. Also. consult your insurance agent when purchasing a new car so you know in advance which ones cost less to insure. you can save 30% on your insurance premiums. Presented by MONEYNING. By increasing your deductible from $200 to $500 dollars. so make sure you ask that because it could save you money long term. you may be able to get a low-mileage deduction. Frequently companies "save" you money by providing lesser coverage. you may as well shop around to find the best deal.
Keeping on top of your insurance costs and options will save you money immediately and in the long run. Presented by MONEYNING.Homeowners Insurance Just like auto insurance. This common mistake costs many people money. and if you can get insurance through work. Improving your home’s security and disaster resistance will generally garner you some deductions as well.COM 108 . so check your policy to make sure you are insuring only what you need. Many companies will offer discounts to customers who purchase multiple policies with them. so bundle your car and homeowners insurance to save some money. Medical Insurance Many people simply can’t afford private medical insurance. even with the complicated wording of many policies. tax free. call your state offices and ask if you can get insurance that way. so even something is better than nothing. not the land for replacement costs in case of disaster. increasing your deductible will decrease your premiums. Another thing to consider is staying with a company for the long haul since many offer loyalty discounts. just the building. Again. Compare the plans and make sure you are comparing apples to apples. take advantage of medical savings accounts that let you put aside money to pay for medical expenses. See what kinds of plans your company offers. Only insure your home. You won’t have to replace the land. consider that a major medical bill will bankrupt your family. raising your deductible will help if you have insurance but are struggling to pay for it. Also. Many States now offer basic health insurance based upon income levels. Before you raise your hands in frustration and walk away. The key is to comparison shop often so you always get the best discounts.
Additionally. Purchase Meds Online Many pet medications can be found online and in bulk. but once you bonded to that animal it is hard to say no. 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 the bills are killing your budget. Though with a little work you can save money on those necessary expenses and still provide your pet with excellent care. spaying complete and a recent medical exam.Finding Ways to Save for Veterinary Care Click Here to Read This Online Your pet is very important to you. Some Humane Societies offer low price clinics for vaccination and spay or neutering. you can negotiate with your vet on prices and you can even comparison shop with others. you generally won’t have to worry about much in the way of medical expenses other than regular vaccines. Ask your vet to teach you how to give necessary injections. 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. affordable care. if they are reluctant you should probably change vets since this one is more interested in making money than providing good. If you choose a middle-aged pet. These days. the expenses for both young and elderly pets are rising. so it is worth picking up the phone and asking when it is happening. Get a Pet from the Shelter Getting a pet from the shelter means you will get a pet with their vaccines current. Be Selective on Vaccines Not all dogs or cats need the same vaccines. Presented by MONEYNING. one that stays indoors or goes on a walk around the block won’t.COM 109 . A dog that spend a lot of time running in the woods will need a Lyme disease vaccine.
Usually dependent upon the size and breed of your animal. Presented by MONEYNING. that way it won’t hit your budget so hard. pet insurance policies run the gamut from basic care to platinum coverage. that is repaid by love. Talk to your vet about lower cost alternatives that will provide your pet with good nutrition without killing your budget. 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. Consider Pet Insurance If you purchase pet insurance for your friend. Getting good. 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. In this economy we all have to find ways to save. Shop with coupons that are almost always available at the company websites.COM 110 . Once you have committed to a pet you are generally looking at ten years or more of care and expense. with a little effort of course. 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. nutritious food will help prevent many problems animals face as the years go by. Applying topical medicines and keeping your pet pest free will pay off through lower maintenance costs and fewer vet visits. but it is perfectly possible to have a pet and stick to a budget. affection and "fluff therapy" in spades. you will likely save money in the long run.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.
look at the cable company. There are many ways to trim your costs. but don't worry. because the process gets easier the more you think about it. Put overdraft protection on your account immediately to prevent such problems. Cut Back Presented by MONEYNING. Bundle Services Many local phone providers are now offering cell phone service. If your phone company doesn’t offer a bundling service. The companies you do business with are hurting too and they are quicker than ever to charge late fees and surcharges. Pay On Time One of the biggest money wasters is paying bills late. but for some reasons. many people are finding themselves in need of cutting costs on household bills once deemed essential.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. they also raise your interest rates--a double whammy. and if you find your bank charges a lot of additional fees. Almost all offer internet as well as cable and you can pair them for some savings. Discounts are pretty significant if you pick a larger bundle. Pick one of these companies and bundle your services. 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. cable television. Credit cards not only charge you for paying late. Utilities companies may demand a deposit if you are regularly late on paying your bill. change banks. Years of being able to afford whatever we wanted make it difficult to know where to start.COM 111 . and internet access as well as land line service. we just don’t think about them.
Local museums.50.Do you really need 500 channels? Cutting back to basic cable can save you $50 or more each month. it is natural to feel that you are somehow losing something valuable. Frankly. and other cultural centers usually offer a few free days each year. CDs. and computer games can all be found within the walls of the library and you can take them out for free. zoos. 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. There are several coupon websites. With a little creativity and planning you can still enjoy all the things you like. Just remember to bring them back on time or you end up paying late fees. Start using generic products from the supermarket and clip those coupons. where you can find tons of coupons all in one place. 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. you know. I don’t do as well as the real gurus. After two weeks of complaints they figured out how to entertain themselves and we have never turned it back on.COM 112 . If you like to eat out. like Coupon Shoebox. that is money I can use somewhere else. DVDs. When cutting back. You can reduce the extra services on your phone line or opt for a slower download speed on your internet connection. Find Free Options The public library doesn’t only have book. Eat only on the days when you can maximize your savings. but spend less doing it. find out which local restaurants offer free kid meals or free appetizers with a meal. Plan ahead and visit when you don’t have to pay for admission. Presented by MONEYNING.
For example. you want quality. In this case. once the baby arrives.” Baby products aren’t cheap. The moral of the story is to know what you are buying. baby clothes should be comfortable. but getting the same unit used will set you back about $200. David’s Note: Every time used baby products are mentioned. most people wouldn’t even consider used clothes or furniture. if you purchase new and focus upon the top of the line accessories.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. that’s unfortunate. many people pile on to say that many used baby products are unsafe. and with the ease of obtaining information through the internet.COM 113 . The used market is a great source for inexpensive but high quality goods. the other option was to just cut what everyone is agreeing to be a useless strap that is just dangling for no reason. you now have no excuse. Used isn’t Icky Until the latest economic crisis. The local thrift shop or Presented by MONEYNING. but you can find great quality for much less if you work at it. any used stroller of the model I purchase would have been fine. my baby stroller was recently recalled due to a dangerous strap that hangs lose. a safety issue is caused by a tiny defect that can easily be fixed. but sometimes. While I can always try to get the stroller sent back. A fancy new crib can cost upwards of $1.000. Barring a special outfit for pictures or holidays. or less. they are willing to put themselves into debt to provide all the things baby “needs. but there is no reason to pay retail prices for it. warm and cheap. This can be true to a certain degree. If you plan to have several kids. Most babies go through several outfits a day.
I used disposable diapers. Mothers who use formula need bottles and an endless supply of fairly expensive formula. Disposable diapers are extremely convenient but the expense is continuous until your child has toilet trained. Nursing versus Formula If you plan to nurse your baby.COM 114 . Disposable versus Cloth This is just as difficult a decision as the feeding one. At home or on day trips. If you have more than one child.garage sales are great places to pick up really cute clothes for a fraction of the original price. Mom will eat a bit more while nursing to make up for the calories she is feeding baby. The cloth diapers I bought for my Presented by MONEYNING. a free can of formula and perhaps even some of the nifty single serving containers. it is bound to be cheaper. Cloth diapers require a larger initial investment but can be used for several children and then torn up into rags for cleaning and dusting. I used cloth diapers and washed them at home. the expenses are much greater. not only will you provide optimal nutrition. each one requires the same long-term financial drain. because babies grow so fast they don’t always get to wear every outfit they received. Nursing moms need about three good nursing bras and possibly a pump and a few bottles. Once you pick your formula. You can even find new clothes. Good wraps are essential to prevent leaks. If you choose to use formula. I combined the two. you will save money. On longer trips. and they can be expensive. with the tags still on them. done. You will get coupons. Check to see if the brand is available at your local warehouse. contact the company and ask to be put on their mailing list.
A place to sleep. Today. a baby needs very little. Spending huge sums of money on baby products now rather than putting it aside for college just makes no sense. As hard as it is to believe. some food in its tummy and dry clothes is all that your little one requires. I got used for two more children. I use the diapers around the house for a variety of cleaning chores. Presented by MONEYNING.COM 115 .eldest 16 years ago. My total investment was about $500 and I used them for a total of 7 years.
the costs from start to finish was $2. you child’s teeth are stacked up several deep and they have a hard time biting food. While as a parent. however.” your wallet may flinch at the expense. sometimes when a child is only 7 or 8 years old. If your child’s teeth align well and they have a couple of crooked teeth.000. Assess each child individually.COM 116 . and it is common to start earlier. Realize that older children will comply more with uncomfortable dental procedures to get a specific “look". Presented by MONEYNING. The questions facing a parent of several children is just how much they can afford to spend on braces. Children's mouths change during puberty.How much should you spend on Braces? Click Here to Read This Online When I was young enough to wear braces. you shouldn’t rush into the process. braces may be optional.000. If your child has a small mouth that needs expansion or several teeth that are severely misaligned the job will cost much more. 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. and whether or not it is worth the investment. parents spend much more than that on braces. the need is much greater. Even if your child clearly needs braces. If. Determine the need The first real question is whether the work is cosmetic or medically necessary. Today.500 and $7. you want your child to be “perfect.
Many of the problems that will need to be addressed orally are only going to come back as soon as the braces are off. interest rates can go up if you fail to make your payments on time. as you don't want to find out later on that appliances like retainers cost extra. and if your work place offers dental insurance. you dentist may be able to do it for less. Braces are undeniably expensive. find out if braces are covered in part or as a whole.COM 117 . you will find that there is a dramatic range of prices for the same work. At least the money won't be taxed. Shop Around While I don't recommend you go to some back alley orthodontist to save a few dollars. Make sure you get a price for the complete job. If your child only needs some basic work. Good luck! Presented by MONEYNING.If you have a child that sucks their thumb. since many do simple orthodontic work. Since orthodontists set their own prices. then they are an unavoidable expense. Talk to your family dentist. you will want to wait as well. but if your child truly needs them. With a bit of searching you can save at least some of the costs associated with this dental rite of passage. if the thumb sucking hasn’t ended. Set up a payment plan and stick to it. Another good option is to set up a medical flexible spending account to pay for the work. As with other payment plans. the differences in price between one office and another can be significant.
Since manufacturers are only required to put one method of cleaning on a garment. Avoid buying clothes that need dry cleaning.. they provide a good alternative to traditional dry cleaning when all your garment need is some freshening up. Purchase a home dry cleaning kit.Decrease your Spending on Dry Cleaning Click Here to Read This Online Dry cleaning your clothes is an expensive proposition. can be washed at home as long as you take care not to shrink it with warmer water. Buying those instead could literally save you hundreds of dollars a year. For many business people. you could be saving money and looking good. While these kits are expensive when compared to normal detergent. There are also shirts that are of the non-wrinkle type. Read on. put the clothes in the bag with the cloth and run the dryer for a while.. Many items that say dry clean can actually be cleaned normally. they do just that. ironing is minimal. While there are some items that are going to need dry cleaning no matter what. purchasing clothes you can wash at home is less expensive. Consider which can be washed at home. with a little effort. a “dry cleaning” cloth and a bag. Rayon. Presented by MONEYNING. However. Cotton dress shirts are easy to wash at home. for example. Used in your dryer. 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.COM 118 . these kits provide you with a pretreatment. You pre-treat your stains. and if you take them out of the dryer while still a bit damp and hang them.
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.
Presented by MONEYNING.COM
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
Presented by MONEYNING.COM
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.
Presented by MONEYNING.COM
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
Presented by MONEYNING.COM
purchasing the item together halves your cost. If not. Of course the best savings come from reducing the amount of supplies you use and switching to generic products wherever possible. If you have to pay for delivery. make sure to add in the shipping costs when comparing with the box stores. If they perform up to standard. but the bottom line is equally crucial. Clearly the best deals are found when you purchase in bulk. the shipping bill may significantly add to your cost. computers and furniture for a reduced price. When they are available.com and their coupon codes. Office supplies are a necessary part of the budget for any business. Save Money at Warehouse Stores For basics you can get some really good prices at Sam’s. That’s no bargain. Costco’s or other warehouse clubs. If your company only uses half a box of paper a year you might be able to split a box with another individual. Some online stores always send out discounts. like 123inkjets.COM 123 .be worth while trying out one set of cartridges. While the selection isn’t nearly as extensive as an office supply superstore. For a small business. even better. but with a little creativity and planning you can easily trim your costs. Another way to save some money is to pool your resources with another small business. the prices are often better. While online vendors may have better prices. The membership is a business expense. ink. you have a new source. get your money back and use the tried and true. Presented by MONEYNING. Even large items can be delivered free of charge by the superstores. If two small companies in the same building want a water cooler. and you can find paper. professionalism is important.
When comparing prices consider online or mail service for your medications. Over the course of the year I save over $140 by filling at the club. Talk to your Doctor About Generic Drugs and Samples Presented by MONEYNING. Make sure to ask your insurance company for a copy. Comparison shop for lower prices on common prescriptions Common drugs have different costs at different locations. You do have to plan ahead more for this to work. let’s look at some ways you can reduce your expense. Some medications cost in excess of $100 each month. Find out if your insurers have a limit for how much medication they will cover each year. but the cost can make them a real budget buster.COM 124 . the price tag quickly exceeds their ability to pay. Knowing in advance that your insurance company will only cover half a year may not be encouraging. and for those people who take several drugs at once. Before you opt out of taking medications you need.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. The local pharmacy charges me $97 for my prescription. 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. Many insurance companies now cooperate with mail-in pharmacies. but you can plan ahead and put money into a tax free medical account and save a bit there. but my warehouse club only charges $75.
it is a great money saver for tablets. Ask Your Doctor about Dosing Options Discuss the possibility of getting a larger dosage and splitting the pills. Many states have such programs to assist people on a limited budget get the medications they need. 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. Presented by MONEYNING. switching can save you huge sums of money. I fill my script every other month. your doctor gets free samples of many medications from drug company representatives. First.COM 125 . Just as your income is decreasing your need for prescription drugs can increase. Unfortunately.Your doctor will be able to help you on several fronts. aging can result in a contradictory situation. the office is happy to hand out these samples to help you afford a medication you really need. I found out that those 30 tablets of 10mg cost $72 and the same quantity of 20mg pills cost $75. After a divorce and a big hit to the wallet. If so. Ask the Pharmacy about Discount Cards Finally. take a look at getting a prescription discount card or seeing if you qualify for a free medicine program. While this technique won’t work with medications delivered by capsule. Finding ways to cut that bill may be the difference between making it to the end of the month or not. That prescription I get for $75 at the club is actually a double dose. Secondly. and save $450 each year on top of the savings offered by the club’s lower price. Generally speaking. my doctor helped me out for several months.
COM 126 . You would have to spend between $100-300 for the same services at the vet. depending upon the size of the animal.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. How to Save Money on the Initial Expenses The difference in price between a purebred animal and a shelter pet is considerable. The shelter pets arrive with all their vaccinations and their altering surgery complete. Save Money by Keeping Your Pets Inside Animals that spend a lot of time outdoors or roaming can get parasites. but it is a lot cheaper than having to pay for dental surgery when tooth decay creates abscesses or other problems. 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. It isn’t unusual to spend between $1000-2500 a year. feed them gourmet foods and dress them up in tutus. With an inclination to purchase purebred animals. infections. but who can really afford to do that? Luckily. Preventative Care is Cheaper It might make you cringe to pay for a dental cleaning for your pet. suffer injuries and face dangers that house pets don’t. there are some simple ways to save some money while still spoiling your pet silly. but compared to the cost of treating active heartworm infections it is petty cash. Your cat should be kept indoors and your dog in a fenced yard. Presented by MONEYNING. Heartworm medication may be a bit pricey.
consider going down to the annual event. If your vet can’t afford to drop his fees. but other pups require monthly trims. nail trimmers. and that isn’t too bad. Some dogs only need an annual trip to the groomers. but dogs need to be groomed regularly. Talk to the Vet about Payment Options When facing a large bill you need to sit down with your vet and discuss your situation. even if they may not be overly fond of their owners. and you get a serious discount on any procedures your pets need. 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.COM 127 . The students get to treat a variety of animals. If your pet needs to have a serious medical procedure done. Find Free Clinics Offer Cheaper Services Most large cities offer rabies vaccinations annually at a low cost clinic. invest in a good quality pet clipper. It never hurts to ask. Spay and neuter programs are also available. you and the dog will look more presentable. the proper brush and shampoo. I recommend starting your grooming project during the winter so by spring. see if they provide low cost clinics. Rather than spending the money at the local vet clinic.Learn to Groom your Pet Cats rarely require much by way of grooming. If you have a pet that requires a lot of grooming. and you just don’t have the money. Presented by MONEYNING. Few vets dislike animals. saving you more than $100. If there is a veterinarian school in your area. he may know where you can get the same procedure performed for less. He may also know of someone who is willing to help out by donating something towards the care of needy animals.
That tutu may look adorable on “Pookie” but she will live just fine without it. your pets really doesn’t need anything. a leash.COM 128 . decent food and love. Keep your cash for the important things. Presented by MONEYNING.Finally. remember that beyond basic vet care.
a baby bag and any other free merchandise they can think of. after all. those costs don’t approach that of formula. Presented by MONEYNING. head to the local grocery warehouse and find out what they stock. If so. 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. Between disposable diapers. They are trying to woo you. Don’t fall for the hype. because they are all similar. Buy Formula in Bulk Everyone knows that “breast is best” not only from a nutritional perspective. Parents often wonder how such a small individual costs so much. Once you get home with your new baby. Before the baby arrives. but also from the financial point of view. you now know of a source of the same formula for less. This could sound discouraging. so encourage their generosity. formula and clothing. but the first years of a person's life are actually the cheap years. a very small person starts to eat up a significant part of the monthly income. At least it is until the bills start piling up. And let's not even talk about college. Every formula has to meet government standards. your child can point at a toy on the shelf and start making demands.Spend Less on Baby Formula Click Here to Read This Online For young couples. coupons. the baby years is actually just the beginning. having a baby is one of the most life-affirming experiences they will ever have. Before you know it. try out your samples and make sure your baby tolerates this formula well. Nevertheless. so find something your baby will tolerate and bulk up. While mom eats more to produce the milk. any money you can save now will more than pay off in the future. Then contact the company that manufactures the formula and get them to send you samples.COM 129 .
COM 130 . don’t you purchase generic foods for yourself? There is nothing wrong with doing the same for your precious baby. After all. you are unlikely to have any problems with a generic option. Presented by MONEYNING. you budget will make a sigh of relief. realizing that they may be thicker or thinner than what you mix up from powder and require a bit of coaxing at first. it can be carried about without worry of spoilage. which can make up for the price if you are on a plane or driving for hours. Not Liquid The costs per serving of powdered formula are considerably lower than that of liquid. especially single serve cans are very convenient. consider generic varieties. Take a good look at the conditions of use. Consider Generic Formula If all these tips still leave you grasping at financial straws to feed your baby. Liquid containers of formula. It may very well pay to get that pack of single serve cans instead of the bulk box. Since the government does strictly monitor what is in baby formula. Buy Powdered Formula. that means you can add some water to your powder wherever you are and provide a meal in a couple of minutes. If you don’t teach your child to expect their formula warmed up. Not only is powdered formula cheaper. When you can make the change. Keep such cans for special occasions. In the end. baby only drinks formula for about a year before transitioning over to other liquids.Companies also send out little “checks” for you to use on their brand of formula.
today’s cloth diapers are pre-folded. washing and depreciation. Good quality covers will cost about $20 each. you really should consider using cloth diapers that you wash yourself. Of course. Presented by MONEYNING. and are covered with a variety of comfortable. If. Unlike in my infancy where you would pin on a strip of bird’s eye fabric and then cover it with plastic pants.000 diapers before toilet trained. Let’s start by looking at cloth. you want enough for at least two days. That’s a lot of money you are essentially throwing away. there are other money saving tips I can offer. If your goal is to save money on diapers. Different sizes can be purchased to accommodate a growing child. Prices vary but contoured diapers will cost more than straight ones which run about $20 per dozen. you just can’t imagine doing so. In the end. colorful and adjustable wraps. however. you can expect to spend about $20-$50 per month while your child is in diapers. You will need at least three to four diaper covers per day. This will include your supplies. The initial outlay is greater than with disposable diapers.COM 131 . Again. The Basics of Cloth Diapers and the Cost Cloth diapers have changed a lot in the last 20 years or so.Don’t Dispose of your Money when Buying Diapers Click Here to Read This Online (Coming Soon) Your average infant will wear over 7. The diapers can be purchased by the dozen and you will probably go through eight to ten per day. and should have at least twice that number available so covers can be washed and dried. shaped. you can reuse your supplies when the next child comes along. so that saves you money once again.
Disposable Diapers Don’t Have to be Prohibitive If you choose to go with disposable diapers. A number of websites offer this service and will deliver to your door. you pay more for the convenience of disposable diapers. free. Generally speaking you will spend about $40-$70 per month on disposable diapers and supplies. one of the costs we don’t consider when using diapers is that of the environmental impact. you don’t have to purchase the most expensive brand. Only you can decide if that price is too much to pay for ease. Unfortunately. Financially. Additionally. You can also purchase your selection of diapers in bulk if you search online. Find the cheapest diaper that fits your child well. by the way. This may not save you much. sign up for the company newsletter and coupon e-mails. there are significant concerns involved with the waste material leaching into ground waters. A baby with chubby legs will do well with one type of diaper. It is estimated that disposable diapers account for between 1.COM 132 . this is a time when every penny counts. It really does vary from brand to brand. Presented by MONEYNING.52% of the total volume of landfills worldwide. but that option increases water usage. but believe me. There really is no optimal solution one way or another from the environmental perspective. over 3 years that adds up to $720. Only experimenting will let you know what works for your child. Once you settle upon a brand. These factors are mitigated to some degree with cloth diapering. about $20 per month. while one with slender legs will do better in another.
The reason is that the faster you need to ship something.Shipping for Less . If your goal is to get those presents under everybody's Christmas tree and not spend a fortune mailing them. Uniformity Spells Savings. but it will generally involve a bit more planning on your part. Check USPS. With the hectic pace most people endure year round. As long as you know the box dimensions you can accurately evaluate which carrier will give you the best deal. Compare Prices at Websites. UPS and FedEx as a minimum. but shipping express will cost $58. the more it will cost. Presented by MONEYNING. at USPS. so choose wisely. There are ways to shave some of your costs. Holiday Time Shipping Strategies Sometimes it seems as though the holidays arrive earlier each year. but to save on shipping costs. the costs involved can appear astronomical. Shipping internationally may involve a couple more websites. Thinking about the winter holidays that early is difficult. Overnight with UPS can easily cost double that amount.COM 133 . For example. getting gifts purchased and mailed in time can be daunting. with getting the kids off to school at that time of the year. Carriers charge more to ship unusually sized boxes. you will need to get organized in the fall.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. you can send a 10-pound package across country for less than $16 if it goes parcel post. it is critical. Get standard sized boxes free by saving the ones you get when you order merchandise.
Combine Packages and Save some More. Think ahead. To make the best use of this service you need to shop in advance of your desired delivery date. Presented by MONEYNING. I immediately saw the problems involved in getting gifts to relatives on time.Let Companies Ship For You. That translates into 7-10 business days under most circumstances. You can save money and still get things where they need to be.COM 134 . Amazon offers free shipping on many items. Just because you have a lot of things to ship doesn’t mean you should be shipping off your cash in the process. this really pays off. You will find the savings add up over time. but the money spent on labeling and fancy boxes can be better spent elsewhere. if you plan to send a big box of gifts. compare prices and stick to standardized boxes. Now. realize that many companies offer free shipping. 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. When I moved half way across the country from my family. Options to Consider for Business Purposes Not all shipping is of a personal nature. you will want to maintain a professional look. If you purchase things online. If you ship for business purposes. Print your own labels and stationary. pack your own packages and take them to the store rather than have them picked up. For holidays this is particularly useful if everyone gathers at “grandma’s house” or another such central location. but this means that your items go by the slowest means possible. Still.
yes. unused supplies do return at the end of the school year.COM 135 . glue. Worse. scissors. Three kids equals nine dozen pencils. I created a master list of all the supplies needed. Many of the supplies were similar to those requested last year. you read that right. from my perspective. Get Everything Your Child Needs for Less The latest version of the “school supply” list arrived in mid August.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. Fortunately. As school systems face the challenge of teaching more kids on a smaller budget. saving money on school supplies is just plain smart. folders. notebooks. parents are being asked to provide a lot more than a couple of pencils and a notebook. the prices there keep going up as well. and the list went on and on for a full page. Buying these items in bulk at the warehouse club is often cheaper than picking up smaller boxes. so scissors. Presented by MONEYNING. Each of my children needed pencils. The first step was to scavenge around the house. Next. ruler and other such items were already set aside in anticipation. Long lists are coming home during the summer requesting everything from paste to pencils. While you expect to purchase more for a college student. none of the supplies was personal. rulers. They all went into a general pool from which all children would take what they needed.
even if it takes some time. Values abound. If you have a friend who took the class during the previous semester. College textbooks can easily cost in excess of $100 a piece. While a good education is priceless. but it’s free. get it used. There are plenty of websites that sell used textbooks for a fraction of the cost of new. You may need to read the book there. room and board. and most classes will require several books. Presented by MONEYNING.Checking circulars meant traveling to several stores. Once you get over the sticker shock of tuition. if several items were cheapest at another location. if you are willing to plan ahead and make an effort. College costs enough as is. textbooks are one of the largest hurdles you face. see if you can borrow their book. While I won’t go to a store for just one item (gas costs money too you know). you can bet I made it over there. Shop early to increase your chances of getting the book you need at the price you can afford. Scrimp where you can Remember that there are many fine State schools that are much less expensive than private universities. Copying pages you need for studying purposes is much cheaper than purchasing the book. If you must purchase a book. Paying full price is criminal in my opinion.COM 136 . there is no reason to pay excessively for the experience. Freecycling groups online may be able to help you get a used textbook for nothing or just the price of shipping. but getting folders for a penny each when you need 20 pays off. Professors often reserve copies of their textbooks at the library.
is a totally different story. If you were lucky he cleaned the car before he drove over. or visiting a dress exchange. A Grown Up Look for Less For many girls the largest expense ends up being the dress. it makes no sense at all to spend several hundred dollars on gown you may never wear again. As a parent you want your child to enjoy themselves and maybe make a few precious memories. but an attractive. Today kids spring for stretch limos and decked out Hummers.COM 137 . Cheaper options include consignment shops. but you also want to avoid taking out a second mortgage to afford the evening. Bridal shops are getting in on the celebration by renting dresses as well.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. So what to do? Here are a few suggestions. Life is easier for the boys. borrowing from older relatives. well fitting tux doesn’t have to be the newest or the most expensive. The tuxedo rental industry is well established. Designer labels are snazzy. Really. The price tag. Pick something that looks good without worrying about who designed it. however. because you don’t want to have to settle for a dress just because it is the right size. and return it on time to avoid penalties. Gowns and Tuxedos. Make sure to start looking early though. Sharing the Ride Saves Everyone Money In my day the boy picked you up in dad’s car. although not necessarily cheaper. Presented by MONEYNING. but opting for a top of the line suit will cost you a pretty penny.
Before you shell out hundreds of dollars for your ride. so this is one area the boys may end up having to spend more. it is much more affordable. it has become an integral part of many proms. As always. and the peace of mind is invaluable.COM 138 . And shop around too. The expense of several families renting a small suite at a hotel or arranging a co-ed event at home is much more reasonable. A corsage is more challenging. Schools often arrange for an after party just to ensure that their students are somewhere safe when the prom is over. without spending a fortune you simply don’t have. If your child’s school doesn’t do so. but when you split it between 10 kids. Dancing the Night Away Although the idea of an after party will seem strange to many parents. so designing your own at home is an easy way to save a bit of money. If you don’t like carnations. Making a boutonniere is fairly simple. as prices vary quite a bit between florists. pick something seasonal. planning and creativity are the cornerstones of creating a memorable event. but that doesn’t mean they have to be expensive. Carnations are a traditional choice that still fit into a smaller budget. The After Party. Presented by MONEYNING. Flowers Don't Have to Be Exotic The corsage and boutonnière should match. work with other parents to set one up. get together with a bunch of friends and decide to go as a group. The evening’s rental may be $500.
Presented by MONEYNING. My kids waited. You have to be a bit more wary if purchasing from a private individual online. 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. I don’t know about you. Unlike my children who like to play the same game over and over beating it several times. GREAT! I am willing to help them out. and everyone saved. The games are usually guaranteed to work properly. Buy Your Games USED There is no easier way to cut your costs than to purchase games that are used. and I get a relatively new game for less than half the price. but if you were willing to wait a few weeks they were available for $179 used. but my children do. online or at game exchanges. You can do this at various game stores. By the way. I found some great ways to save money and still give them video games they want. Each one sells its game disks for $50 or more a piece. the games are the same. extend this policy to the game console too. Now I will admit that I don't actually play these games.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.COM 139 . When the Wii came out it cost $250 new. they all want something new. but for the most part. which means if they don’t I just take them back to the store and get another copy. and that means come holidays and birthdays. when new. there are those who only see the point of winning once. but the idea of spending that kind of money for a game actually offends my sensibilities.
Some stores give you cash while others provide merchandise credit. If a couple of months go by and you haven’t gotten back to the game. In addition. If you like the game enough that you think it is worth purchasing used. you are $40 ahead. There is always something new to play and he gets to save up for something else. then go ahead and do so. You can find literally dozens of sites that host free online games you can play individually or in a group setting. Either way you come out ahead. you get rid of unused games and you can purchase newer ones without spending a penny. you have saved yourself a bundle. 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. Renting the same game will cost you $5 at the local video store. consider selling it back to the game store. Otherwise.Rent Games Purchasing a game you don’t know anything about is a waste of money. My teen spends hours each week on these sites and hasn’t bought any new video game for the game system in months. Turn In Your Old Games Many people horde their games long after they finished playing them. Presented by MONEYNING.COM 140 . like a new computer.
Here are a few things to keep in mind during this tragic time. but completely unnecessary. This saves your heirs money and aggravation. Places to Cut Costs around Funerals There are many places that you can reduce expenses. without appearing miserly. your casket. Hiring some clergy-person who barely knew the Presented by MONEYNING. but you need to know when to apply which strategy. plenty of individuals see funerals as a way of wringing every last dime out of a bereaved family. Flowers are nice. Consider Cremation Cremation is considerably cheaper than traditional burial. that of paying for your arrangements in advance. A traditional burial begins at about $5. at today’s prices. as long as you leave a copy of the contract with your papers. You can pick your plot.000 and doesn’t increase much. then working out the details of your funeral won’t seem too macabre. If you feel they are required. Aside from the fact that you don’t usually need to embalm a body that is being cremated.Planning Funerals Without Spending Too Much Click Here to Read This Online Planning a funeral for a loved one is a tremendously emotional event. The primary advantage of control gives way to the secondary advantage. stick to less expensive options like carnations. There are ways to avoid spending too much money on a funeral. Planning your Funeral If you are a planner. Unfortunately. whereas cremation starts at $1. unless you really try.COM 141 . there is no cost associated with a plot or the need to purchase a fancy coffin to impress anyone. What you pay will remain the price of the funeral. what kind of service you want and arrange every aspect imaginable.000 and heads up fast from there.
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.
Presented by MONEYNING.COM
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
Presented by MONEYNING.COM
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.
Presented by MONEYNING.COM
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.
Presented by MONEYNING.COM
don’t gun the engine. Finally. Secondly. You lose a lot of mileage to poorly inflated tires.Change your Driving Practices As a nation we tend to accelerate fast. If saving gas is a main concern and if your job allows. consider changing the hours you commute to avoid the traffic jams. Try to stick to one speed rather than speeding up and slowing down constantly. Accelerate slowly. this too saves gas. and that turns into direct savings. overload our cars and drive mindlessly. Presented by MONEYNING. the faster you go over 55 mph. Air resistance and motor strain conspire to cost you a lot of gas. the less efficiently your car runs. By planning out your driving path you can significantly reduce your mileage. drive too quickly. This translates into wasted fuel. group your errands together and avoid back tracking repeatedly. check your filters and intake and clear them of any blockages. Additionally. it takes less gas to do so. Once you get on the road.COM 146 . Stop and go traffic is never good for fuel consumption. The first thing you need to do is make sure your tires are properly inflated.
I recently discovered this wonderful community and clothes for kids are always being offered. These are two of the least expensive locations where you can fill your closets for a few dollars. Free clothing Yes. Presented by MONEYNING. This is probably the one place in the family budget where you can rack up some serious savings.COM 147 . First. Other common items offered include shoes and household items. let it be known that you are always willing to take hand me downs for your kids. clothing can be passed on to the next kid in good condition. The next place to score free clothes is on your local freecycling website.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. you can pick up a good winter coat for about $10. There are several ways to score free clothes. Jeans usually run about $5 and a shirt $3. free. This is particularly great if you need dressy clothes to wear to a fancy occasion. Kids grow out of their clothes so fast that they don’t usually have time to wear them out. Those clothes never get worn enough to show any wear. without it having a real effect on your lifestyle. Barring a few “favorite” items each season. you saw that. Cheap clothes Ok folks. but here are the easiest. You just need to know the tricks of the trade. there is nothing wrong with picking up clothes at Goodwill or ARC. Not only are the clothes out on the floor in good condition.
Getting to a sale early ensures a better selection. but the quality is usually better. Since someone still wants to make a few bucks for their items. Sewing and Knitting Gone are the days when sewing and knitting were huge money savers. Finally. tragically I won’t be shrinking any time soon. this option is more expensive than a thrift shop. Shopping for children a year in advance can be dangerous. not frugality. I recently made costumes for my kids and discovered that I spent at least as much as I would have purchasing these items. For some reason I have never figured out. kids never grow the way we plan when we purchase clothes early. I can plan ahead and make sure there is money in the budget for several items to be purchased at once. 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. whatever clothing you own. Presented by MONEYNING. but still very reasonable is the consignment shop. The deepest discounts turn up just as one season is ending and the next beginning. unless you luck out and get your materials cheaply. Proper care will help reduce wear and decrease your spending just as much as any other strategy. If you do sew or knit. Being able to anticipate when these sales will occur.COM 148 . I save these kinds of purchases for myself. Every city has them and you find clothing that people are trying to sell for a fraction of the original price. take care of it.The next step up in price. remember that this is a labor of love.
online or in the paper. not fashion. it is also wasteful. Focus on function. Even I. various facial products and two different deodorants. have two types of shampoo. If you fall into that category. you don’t have to purchase several of them. etc. Believe me when I tell you that your legs will be just as smooth with one razor as another will. New products often come with some terrific coupons. If you have multiple containers of a product and won’t use it before the expiration date. Presented by MONEYNING. 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. Women’s shelters really appreciate the donation and it will provide a tax credit as well.Save Money on Beauty Products Click Here to Read This Online Women in particular purchase a seemingly endless supply of beauty products. While it is certainly fun to try out new products. Don’t Be a Brand Whore Barring skin allergies. one soap. is all you need. and look at some ways to save money. start looking for coupons.COM 149 . Three different exfoliating products makes no sense. as you get to the end of a product you use. the largest available for savings. Limit your Purchases Even if you find that a top of the line product works best for you. allowing you to try something out for a few dollars. Let’s fix all that. as they all do the same thing. who am generally pretty good about these things. most people can use just about any product. One container. Stick to something that works and avoid being tempted. one conditioner. donate it. One shampoo.
Presented by MONEYNING. but only if do so whenever it make sense. 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. eBay is another good place to find products cheaply. Look Online for Good Deals Many companies offer discounts and coupons on their websites. Saving money while doing so is a wonderful bonus. Even if you have to spend full price for your needed product.COM 150 . The best thing is that you get to scent them yourself and can come up with something truly unique. Purchase During Promotions Every cosmetic brand runs promotions throughout the year. Make it Yourself If you are willing to put in the time. you will get a bag full of goodies to go with it. but other areas are rarely so delicate and can tolerate generic brands. but rather about taking good care of your skin and hair. scrubs and lotions at home for pennies on the dollar. There are also a number of reliable "superstores" where you can get favored products for less than you would at the store. It takes only a few minutes to make a good lotion and even less time to mix up an exfoliating scrub. so beware.Dive into Dollar Stores There is no question that purchasing basics like soap. shampoo and lotion at the dollar store is a great way to save money. This is your opportunity to get those coveted travel size containers and to try out new things without committing $30. If you have a sensitive face then stick to what you know works. In the end it isn’t about getting some chi-chi product on your body. but you have to know the regular price and calculate in shipping. Even better. you can generally make most creams.
in advance One of the worst ways you can rent a car is to show up at your destination and head to the counter. but the only way to find out is to look.COM 151 . When car rental becomes necessary. and it doesn’t cost you anything. 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. get online and compare prices between rental companies. Once you have found a reasonable price. You can always cancel if you find something better priced later on. These charges can easily double the price Presented by MONEYNING. you might want to consider putting off the rental until you arrive at your destination.Cutting Costs on Car Rentals Click Here to Read This Online (Coming Soon) If you have had to look into car rentals lately. You will be stuck with the highest rates and the worst selection of vehicles. Avoid the Airport If you can get a shuttle to whatever location you have in mind. Sometimes you can’t get anything. sometimes the littler guys will. there are some ways you can still get a bargain. and there is no need to pay this if you can be more flexible. Car rental companies charge a premium to provide you with a car at the airport. reserve the car. As soon as you know where you are heading and when. Sometimes the big names have the best prices. Rent Online. 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. you know that the prices continue to go up.
you see when you check rental prices. Talk to your insurance company and find out if they cover rental cars as well as your own vehicle. but with a little forethought and some good planning. less your deductible. it has two important benefits. Even if you end up paying a few dollars to take it along. Most do. 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. Secondly.COM 152 . 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. Tack on your AAA membership discount or the savings from another company and it can really add up when it comes time to pay. First. If you are flying somewhere. you and your child are familiar with the seat and its operation. Presented by MONEYNING. Car rental can be expensive. you can dramatically decrease your costs and still get a nice set of wheels. your car seat can go along as baggage. As far as the GPS goes. The worst that happens is that you end up fronting the price of any damage and your insurance company repays you.
These are fees that include the title search. as well as other such charges. they are talking about a percentage of the house price. so here's a primer. A funding fee is pure padding. They will almost certainly negotiate at this point. Look for names like "funding fee" and "deed recording. taxes and improvements are bad enough. One point equals one percent of the total price. suggest they put off closing until you can have your lawyer take a good look at their fees. Presented by MONEYNING. Understanding some of the terminology and the tricks of the trade can help you minimize these costs and bring your house price down. Any line item on the loan agreement that is an 800 block is a place where "junk fees" are hidden.COM 153 . Often the lenders just lump together these fees even if they don't utilize all of them on your purchase.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. but tacking on excessive closing costs can be the final straw. Property assessments. inspections. The Terms They Use On the most basic level when a Realtor talks about points in closing. there are many unexpected expenses. If you don’t get a good explanation. in the hope that they will pass under your radar. settlement fees and attorney's fees. Negotiate over Everything Possible The best place to negotiate actually appears in the 1100’s section." 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. Ask to see them broken down. Ask for explanations on any fee you don’t understand.
Presented by MONEYNING. have them call the lender and communicate. This increases your upfront cost in order to reduce the overall interest paid later. Every dollar you can knock off these costs is a dollar you can spend on more important things.COM 154 . but this is one of the places where you can save hundreds. Once you find the company you wish to use. it can pay off over a few years. like those beautiful lace curtains for your new dining room. if you do a little footwork. This is often called a "loan discount. For example. so take some time to do your homework in order to save. You can choose to pay some closing costs for a benefit later on. or to stick with your current insurer. 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." Hazard Insurance Shop around for your hazard insurance. you don't have to agree to a specific company for coverage. It is tempting to go with the company the lender recommends. Home ownership is a mile marker on the road of the "American dream" to which most aspire. You won't get to close without proof of insurance. if you opt to pay a point or two to drop your interest rate.While there is no such thing as a "no closing costs" loan. the fees are just rolled into the loan itself.
try to fly at less desirable times. While your business may be willing to pay for your airfare and your hotel room. It may not be possible to eat every meal out of a cooler. For car rentals you can go to the same websites and also look for promotional codes and coupons. Also.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. Travel Expenses Whether you travel by air or car. so play around with the options. Additionally. search for promo codes such as the ones I list here. When it comes to airfare. These codes can also reduce the price of the tickets you purchase or offer discounts on hotels when you arrive. taking food along on your trip is the best way to cut costs. the red-eye flight is going to cost less than the one that leaves at 9:00 am. Finally. car rental and accommodations – you will access better deals.COM 155 . to save more money. Food on the Road If you are driving. and here. you best bet is to purchase tickets from online discount travel sites such as Orbitz or Travelocity. if they send you. there are ways to save money. by combining all your needs – airfare. there are ways to save money on every aspect of your meeting – if you know how to work the system. Sometimes. Fortunately. you will still have a number of expenses to pay for out of pocket. This is even more of an issue if you own your own business and are responsible for the whole trip. but it is certainly achievable to eat many Presented by MONEYNING. consider driving together with other business associates and share the costs of traveling.
the best way to save on business meetings is simply not to attend any. Order an appetizer instead of an entrée. That isn’t necessarily practical all of the time. but by avoiding them as often as you can. Prepackaged oatmeal and microwaveable meals are ideal for eating in your room as well. Stock up on fruit. scheduling alternatives and anticipating your costs so you can trim them as often as possible.COM 156 . sooner or later you will probably have to go out for some meals. Cutting Back Of course. granola bars. especially alcoholic beverages. and other easy to handle foods. If you can get everyone to agree to attend a happy hour buffet instead of going for dinner. but everyone is dealing with tightened financial belts. and other options such as teleconferencing and videoconferencing can be reasonable alternatives for many previously scheduled face to face encounters. Offer to share a meal with a coworker. The usual money-saving techniques will work very well here. Taking along a water bottle will keep you hydrated and you can fill it at any water fountain you encounter. you can get your meal as well as a drink for very little cash. Eating Out when Required No matter how careful you are with your expenses. Business meetings are an inevitable part of company politics. hard boiled eggs. Presented by MONEYNING.of your meals that way. you can make them affordable again. Opt for less expensive restaurants and skip drinks.
In fact.Work Lunches Don’t have to Be Boring or Expensive Click Here to Read This Online We eat lunch every day. fill my water bottle.000 a year!!).COM 157 . I always make more food for dinner than I expect we will eat.000. you are kissing $1000 or more good-bye every year (Ha. or even $4. into the freezer it goes. for some of us. If I am not in the mood to eat it the next day. When you have a plan in place you are much more likely to follow through on making lunches. This isn’t to say that you can’t eat out periodically. Presented by MONEYNING. I grab what I want for lunch that day.000. $3. and I am set in a matter of moments. folks. it's more like $2. 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.” Pack Leftovers There is nothing revolutionary about the idea of packing your lunch. Those supplies are specifically for lunch. What a fantastic waste of money. Which meats and cheeses are on sale this week? Determine how many slices of each you need for the week and buy just that. that is what everyone did if they didn’t have an office cafeteria at their disposal. The rest is immediately portioned into plastic containers. add some fruit. This. is what leftovers are for. until the last 20 years or so. Come morning. and if you are the type of person who buys lunch daily.
and get enough to fill you up without requiring a nap after lunch. put half the meal into a take out box at the start. Presented by MONEYNING. you can split an entrée. plan on sharing the same meal. sooner or later. so a full-sized entrée is more than you should be eating anyway. use a BOGO coupon. or one that offers 50% off a second entrée. you are going to end up eating out. unless you are much better organized than I am. Coupons – Go out with a coworker. Ask for the restaurant to split it in the kitchen and even if you pay the extra couple of dollars for the plate fee. 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. Eating Out Okay.Preparing lunches in the evening is another way to improve reliability. Work lunches shouldn’t be a large part of any family’s budget. finding money for field trips. soda. Order an appetizer and a drink instead. If you are on your own. If you are with a coworker. you will still come out way ahead. You save money. 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. and arguing about the need for a coat when it is below freezing. Planning is the key to enjoying your lunch and saving money at the same time. let’s face it. There is something about mornings that seems to get my children’s brains working and then I am signing papers. enjoy eating out. even if you usually pack your lunch. • Split a Meal – If you are either very close to your lunch companion or have someplace to put leftovers. so you can leave it at work for the next day.COM 158 . Drink water and share an appetizer if you must. A sandwich. Eat Small – Restaurants serve way more than a standard-sized meal these days. and fries come out to $3 plus tax.
While the outlay might be a bit higher than standard batteries. From the kid’s game systems to the flashlight and the phone. is based upon how well AA batteries last and function in a high-use device such as a digital camera. The unfortunate fact is that a generic battery rarely lasts like a name brand. What’s worse is that they are also quite expensive. the industry standard. assuming you recharge regularly. It does make sense to read the reviews when you purchase your batteries. batteries are ubiquitous. though. so you can see why paying double would make sense.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.COM 159 . Name Brand Picking up batteries as the dollar store can be a real temptation. they are half the price or even less. after all. Let’s look at some of the ways you can get the battery power you need without depleting your savings accounts. since both the best and worst batteries were actually made by the same name brand company. Batteries are tested for life by an independent consumer agency. name brand battery. Rechargeable Batteries There is little doubt that rechargeable batteries offer something regular disposable batteries don’t: an opportunity to do something for the planet. you have the option of keeping an extra set or two on hand so there is always a replacement set waiting. which make buying generic batteries tempting – although usually a poor choice. The top rated battery out-performed lower ranking options by more than 400%. Your best bet is a lithium-based. Over time. you will save money by using rechargeables. Their test. but they aren’t appropriate for all uses. Presented by MONEYNING. Generic vs.
Presented by MONEYNING. This prevents accidental usage. they are perfect bulk purchase items. It may only save a few dollars. A combination of rechargeable batteries and disposables will give you the best when it comes to meeting the needs most household’s experience. and you have to watch the prices.COM 160 . remember to take batteries out of items you don’t use often.Coupons and Specials By signing up for e-mails and offers. especially around the holidays. Apparently. Bulk Purchases Buying 48 batteries may seem like a lot. but hey. they are my few dollars. Since batteries last for years. I’ve bought name brand batteries for as little as $1 a pack with a coupon when they are on sale at the market. Make use of coupons. The big advantage of buying large quantities. especially if you can pair them with supermarket discounts. Each year when it is time to switch out my 9-volts in the smoke detectors. Finally. without losing power. since the outlay remains higher at this time. 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. I buy the big pack too. you can always increase your savings. Combine and Save There is no hard and fast rule when it comes to batteries. It is probably best to acquire the rechargeable batteries slowly. we have way too many battery-operated devices in our house. is that you really can save a lot of money when you compare the bulk pack to a regularly priced 4-pack. Discounts for batteries are common. but my family goes through that pack in about three months.
terms. A lower interest rate on a short loan may not be worth the higher fees. though. and other hidden fees. sit down and assess the fees.COM 161 . Just as you have choices and options with a primary mortgage. and how. Check the Terms Every lender is different. expand. Sometimes you can get an additional interest discount if you agree to have your payment taken out of your Presented by MONEYNING. penalties. Compare several lenders. That doesn’t mean that you have to blindly shell out whatever fees and charges a particular lender requests. and ask them to make a proposal based upon your credit reports and financial situation. so do some comparison shopping. you have the same flexibility here. Pick Your Terms Carefully If the sub-prime mortgage crisis taught us nothing else. or finance a purchase. it has made us aware that adjustable rate mortgages can be a real problem if you aren’t careful. With interest rates at historically low levels. Pay particular attention to early payment fees. there is virtually no reason not to lock in. Under most circumstances you will get better terms as well as consistency by applying for a fixedrate loan. when. but it can make a big difference on a long-term loan. interest rates.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. Once you have your offers. and any other relevant data. not the needs of the lender. Run the figures and figure out which deal is best for your needs. Discuss how long it will take to pay the loan.
checking account automatically. proper arrangements. 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. Remember. Just about everything can be negotiated. 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. the contracts are drawn up in such a way as to separate you from as much of your money as possible. 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. Their income depends upon your interest. and an eye to the additional benefits of taking a loan instead of accumulating bad debt. Negotiate Aggressively. While this is certainly not a good reason to incur more debt. they do exist. With good negotiation. Find out what other options you have to reduce your rates.COM 162 . Presented by MONEYNING. your goal is to prevent that from happening. From reductions in fees to discounts for applying online instead of in person. but Politely While a lender may try to make you feel as if they are doing you a favor by loaning you money. the fact is that you are the one doing the favor. you can save money in various ways. it can alleviate some of the stress involved in taking out a second mortgage. there is almost always a way to reduce how much you spend for your second mortgage application and process.
just as you would with an airline club. and those points can be used for free trips. and making use of bargain passes are all traditional ways of cutting a train ticket’s price dramatically. Booking early. or are a member of the military or a vet. When you compare the fare of tickets from Denver to New York for a reclining seat and a room. consider joining the Amtrak member plan. Make Use of Memberships If you belong to an auto club.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. though.COM 163 . In the US. the difference is shocking. since the government started subsidizing Amtrak. or are still in school.” expect to pay between $200-500 more. How Much Room Do You Need? As always. and if you want to be able to lie down. the AARP. In fact. make sure to ask for your discounts. things are much less accommodating. enjoy a private compartment. Check for Specials Presented by MONEYNING. or are traveling with a child. trains have a limited amount of space. The reclining seat will set you back about $300 but if you want to get a “room. space is a luxury when traveling. Just like planes. so they can really add up. traveling at odd times. depending upon the size of the room involved. or spread out – to some degree – you will pay for it. but there are still ways to save. Also. rail prices are equal – if not higher – than plane ticket prices. These range between 10-50% off the full price. you get points for your miles.
and train services are no different. Basic supply and demand will affect train ticket prices. meals. hotels.With the economy in a slump. Travel packages are often less expensive than trying to book all the disparate elements on your own. think about having the train company book all of the details for you. Perhaps the best reason to travel by train. Presented by MONEYNING. so you save on stress as well as on tickets. Every week.COM 164 . if you travel when everyone else is staying home. but keep that in mind next time you are thinking about how transportation. Not everyone is comfortable flying. and train schedules are all organized and coordinated for you. especially in light of the increased time. and train travel still has a touch of romance for some. everyone is vying for your travel dollar. If you join the crowds you will pay more. Tours. When you hop on a plane and spend a few hours at 30. is the opportunity to see something of the country through which you travel. you have no connection to what you are traversing.000+ feet. such as around the holidays. There is no way to determine the value of what you and your family share as you travel by train. just as it does everything else. Travel Off Peak There are times when traveling is more popular. new specials are announced. and if you are traveling for vacation and have some flexibility in schedule and location. this is a great way to get tickets for a lot less. Consider Booking the Whole Trip If your goal is leisure. you will pay less.
I remember when a machine with 128K – yes K – cost a couple thousand dollars. Size Matters Presented by MONEYNING. LCD Monitors Lighter and brighter than their CRT cousins. getting a low end LCD monitor may be the lease expensive way to enjoy this technology without breaking the bank. especially when the screens get larger. the prices have dropped a great deal in the past few years. bringing them into the reach of most computer owners. we are a long way from the day that purchasing an inexpensive computer monitor meant that you were getting a dud. CRT monitors. Needless to say. then you can really appreciate the progress. if you can still find them. to orange and green screens that were as large as a small fridge and on up to the LCD screens of today. as that is the most popular. The best deals are for monitors in the 17” size range. CRT Monitors In general. things have processed but best of all. As quickly as technology changes. While still more expensive than CRT monitors. they take up a lot of space and consume more energy than other screens.COM 165 .Cheap Computer Monitors are Just Fine Click Here to Read This Online Fortunately. are going to be cheaper. On the other hand. prices have dropped. LCD monitors have stepped off the laptop platform and are now commonly used with desktop models. 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.
Once they return to the manufacturer. trust me. go online and purchase what you need by the component instead. you may require a larger screen. If you play multiplayer online games or write computer programs. As a case in point. model years come and go. the price will drop. The monitor doesn’t have an expiration date. the more you will end up paying for it so think it through. Wondering how much you can save? I have seen deals of 30-90% off the original price. however.The larger the screen. if. it pays to wait. prices go up quickly. the monitor was repaired and made available once more. Presented by MONEYNING. and you can get a much better deal on a monitor when the new ones make it to the shelves. Wait for Year-end Sales In computer monitors. just like in every other retail product. consider refurbished models. write e-mail. wires and everything else you could possibly need to get your system up and running. Avoid Packages Packages may seem like a good deal. and as with everything that is computer related. I’m sure monitors reflect similar savings. I just got a Netbook that was last year’s model. exact same features and size. you can get by with a 15-17” screen with ease. for $50 less then the current model. but you are usually being offered whatever the store has to move. There are plenty of reliable vendors who offer CPUs. These are usually models that had some minor defect out of the box. Consider Refurbished If you are looking at the LCD monitors and really don’t want to pay full price.COM 166 . and surf. Most models are cheaply made and aren’t worth the price you end up paying for them. Once you move beyond standard-sized screens. a savings of 20%. computer monitors. all you do is keep your financial records. When a newer product replaces the old version. Instead.
name brand pants. but you can’t beat these prices. Since kids outgrow their clothes faster then they wear through them. isn’t worth anything if they don’t fit well. Many of the items that arrive at the thrift store are barely worn. new jeans in the wash and enjoy. under most circumstances. 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. getting kid’s jeans anywhere else is just plain foolish. there is little reason to buy top-of-the-line. no matter how cool.Buy Jeans at Full Price? Never! Click Here to Read This Online Jeans are as American as apple pie. Once you find a brand that fits your shape. Jeans are one of those items that change regularly. ask the sales people if they know of an upcoming sale. and then make sure to turn up first thing on the day of the sale. If you are in your favorite jeans store and the pants you want are still offered at full price. Get What Fits But Only on Sale A pair of jeans. keep your eyes open for sales. If it seems odd to wear something that was worn by someone else. Presented by MONEYNING. and so forth cause jeans to go on sale regularly. however. Different stitch patterns. Finding a good pair of jeans at a good price.COM 167 . seems kind of like hitting the lottery. Paying more for a pair of pants just because they have a specific label on them is a waste. Drop those cheap. some even have original tags. There is no reason to pay full price for jeans. let the savings soothe your worries. and unless you are a starlet. small changes in color. I don’t care how good a sale you find.
On the day of the event. and you can take advantage of someone else’s change in size. At the end of the day. there will be a whole set you can get for a couple of dollars. take anything left to Goodwill. but only look for “lots” rather than single items. You save on shipping because it is a single lot. Lots are groups of clothes – usually the same size – and often the same manufacturer that someone is selling off. and you get clothes you want without running all over town checking different stores. Set the rules.25 a piece. For Kid’s Jeans Arrange Swaps As I said before. and not smell of smoke. 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.COM 168 . separate clothes by style – shirts on one table. everything must be washed. and since jeans are likely to outlast the kid. Presented by MONEYNING. Chances are if you found one pair of jeans. Anyone who brings items can take others home. in decent condition. arrange clothing swaps a couple of times a year at your school. kids grow fast. pants on another.Garage Sales Clothes are one of the most common items at garage sales. Jeans go for as little as $0. etc. or whatever is important to you. You get clothes for nothing and you do a good deed too. You can even set aside specific subsections based upon sizes.
points. In a market where sellers are desperate and banks are sitting on homes for months.Now Makes for a Good Time to Save on Real Estate Click Here to Read This Online If you don’t own a house. and commissions are all open to debate. Due Diligence Counts Even More Presented by MONEYNING. Certain areas are not as heavily affected by the downturn in the economic climate. For example. I live in a highly military town. Know your Market The first step to getting a good deal is to know your market. The basics remain the same nevertheless.COM 169 . Mailing fees. After a few years you can toss in a few extra dollars of principal each month. That way your payments won’t increase over the life of the loan. you have your pick of properties too. as the real estate market has just about bottomed out in certain markets. A fixed mortgage is your best option if you can get one. Closing costs are always negotiable in some form or another. Pick the Right Mortgage Buying a home involves all sorts of legalities and paperwork. and a glut of homes on the market. the story is quite different though. this may be the perfect time to consider one. Add to that the historically low interest rates. Between foreclosures. and pay off the loan faster. There has been very little change in home prices thus far. Fifty miles away. and you can see why buying now may save you a lot of money. title search fees. you will find it quite easy to convince a lender to forgo some fees just to unload a property. so make sure you do your homework. good properties don’t sit long. With officers moving in and out constantly on a 2-3 year rotation. people upside down on their mortgages.
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. Spend the extra money to have an independent home inspector. Presented by MONEYNING. With auctions. 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. and more cleaning to do. higher property taxes. Make sure to schedule a walk-through before closing and then follow through. will be larger than that of a smaller home. you need to be particularly careful when negotiating a purchase. increased heating and cooling costs.Because people are eager to get out of their homes. the more it costs them. Getting a house is expensive. The mortgage.COM 170 . Larger homes have more maintenance. so take the time to make sure you are comfortable with ownership before you decide. Look for Deals on Auction When a bank forecloses on a house it wants to get rid of it as soon as possible. but consider the future implications. they usually offer the homes for the price of the remaining mortgage. This is especially important if you are purchasing a property that is being auctioned. you also need to bring cashiers check and be willing to pay on the spot. so you will need to have your financing in place before you make bids. The longer they have it on the books. and it can add up over 30 years. but you stand to save a lot of money if you can get your home this way. Foreclosure auctions are an unfortunate reality today.
and there are times when the weather might have a say in your decision. Think about simply investing in a set of inexpensive tee shirts. Presented by MONEYNING. it is always best to anticipate and buy out of season. Choosing to sleep in the buff is not for everyone. There is a lot to be said for getting your sleepwear at bargain shops. Buy Off Brands or Other Clothes You don’t need to get the fanciest pajamas to stay warm at night.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. the primary goal of nightwear is to keep you covered and warm. In fact. you will also have to anticipate their sizes a year later.COM 171 . For example. winter pajamas arrive at the stores in early fall. Below are 3 additional ways to save on what's pretty much a necessity for most people. not to mention the social situation. After all. the cheapest set of pajamas came with you when you were born. if you are purchasing for kids. You can also use clothes that have gotten too small to wear day to day. and if you can wait until about February you will find that they go on sale. Of course. Use some fabric paints to decorate your new night clothes to suit the wearer. That means waiting out the season. though. It isn’t unusual to find half off or more. sometimes dramatically. or even as hand-medowns. thrift shops. but make sure they are warm enough on the nights you plan to wear them. Buy Seasonally Assuming you need to purchase pajamas for a number of individuals. Get them a couple of sizes larger to use as gowns for a girl and with sweatpants or underpants for a boy.
and ease are all that is required of any nightwear. Comfort. warmth. is to use hair Scrunchies to keep arms and legs in the right place. so keep your money for something that is more important.COM 172 . rather than flopping about. even if you can’t sew by using hem tape with only a hot iron and a good eye.Go Large and Use it Longer If you are purchasing pajamas for young kids. especially with footy pajamas. seriously consider getting a size larger. Safety Issues Most night clothes are available either in polyester or cotton. remember that hand-me-downs aren’t the end of the world. You can manage such repairs. Polyester is fire retardant but melts when subjected to high heat. Of course. Presented by MONEYNING. Another option. Don’t spend large sums of money on pajamas. invest in one nicer set of pajamas that they can take with them when they go out. That will alleviate any social concerns they have while still saving you lots of money. if you have several children. Night clothes don’t really need to be fancy or perfect. just usable. It doesn’t take much effort to hem a gown or a pair of pants. If your children attend sleepovers. Cotton is flammable but can be treated and if worn snuggly it is considered perfectly safe.
good Broncos tickets will set you back nearly $400 per seat. While you frequently end up in the rafters.COM 173 . If you are disabled and have been avoiding games because you fear the price and the climb to the nosebleed seats.Get Sports Tickets to the Big Game Without Spending a Fortune Click Here to Read This Online Tickets to an official NFL. or NHL game can easily cost $100 or more. I am very reluctant to make use of my classification as someone who is partially disabled. MLB. so plan ahead and keep on top of the date when tickets go on sale. the harder these seats are to get. Here are a few ways to save. These seats are usually in a very convenient place. Are they perfectly acceptable? Yes. teams offer a specific number of half-priced seats for each game. there are many ways to get good seats without applying for a mortgage. Presented by MONEYNING. Right now. don’t worry. NBA. Let me tell you. Calling immediately will get you better seats at the same price. Disability Advantage Under most circumstances. Half-priced Seats Did you know that many professional sports events offer half-priced tickets? For a number of reasons. Are they the best seats in the house? No. Fortunately. the view is clear and once you get up there. for access. Every professional sports team offers a limited number of seats at a significantly reduced price to those individuals who need easier access. and that cost is for the bad seats. and are easily served by the escalators and elevators in the building. I’m willing to do it. and usually unobstructed. The more popular the game. but I don’t think that taking a family of four to a game should require a loan. when it comes to taking my kids to the game. I don’t know about you.
and if you have an attendee who qualifies. For an investment of $500-$1000. It might seem cutthroat. Consider Sharing a Subscription The waiting list for season tickets can be several years long. The smaller stadium. however. this is the way to go. it is a good way to get in for the game at a reasonable price. so it can be a bit of a gamble. Pair up with another family and halve the cost. No matter which option you choose.It might seem cutthroat. however. if you are an avid fan. college level teams are amazing to watch. it is a good way to get in for the game at a reasonable price. bring your enthusiasm. and if you have an attendee who qualifies. it is well worth considering. The United States Air Force Academy isn’t all that far from the Bronco’s stadium. there is nothing quite like the thrill of game day in a big stadium. you get access to all the games and for considerably less than you would spend for each ticket individually. Presented by MONEYNING. Season tickets are released annually based upon the number of tickets that aren’t renewed. but those seats exist for a reason. Go College! Granted. and tickets to their football games are only $50 per game at the 50-yard line. and then split the days you each attend.COM 174 . the enthusiastic fans and the savings are enough to make you cheer. If you goal is to watch a great game for a bargain basement price. but in the mean time you can use the above strategies. and enjoy your favorite game and your favorite teams on a budget. pack up your tailgate party. but those seats exist for a reason.
so take the time to group your sale. Insist on payment upfront. there was no way to even consider attending. a band I really liked came in to town. though.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. If there is a joining fee. Finally. You can save 10% or more by purchasing together. you can usually get a bulk sale price. so do some of your friends. mostly because the idea of shelling out $100 for tickets just didn’t seem reasonable.COM 175 . If you don’t have friends who want to attend the same performance. This is good for the affiliate and the vendor. make sure to keep up on updates and any other information that will help you score tickets for less. Once you get to 10 tickets. Buy in Bulk Chances are that if you like a band. cheaply. consider going online and getting a group together. Once you have joined the club. and it was time to put my frugal foot forward and find a way to attend. Look for Promo Codes Some websites offer promotional codes on tickets. compare the benefits to the cost. Time Your Purchase Presented by MONEYNING. and you get to pay less for an act you want to see. and other benefits for their members. Only you can decide if it is worth paying a fee to join a club. As the prices of concert tickets kept climbing. early sales. Join the Fan Site Some bands offer discounts. These affiliate sites get paid to direct Web traffic to a specific location in the hopes of a sale.
COM 176 . I realize that this style of music isn’t for everyone. Presented by MONEYNING. as the supply decreases the price will increase. Shop Around Even concert ticket prices will vary from one dealer to another. you can purchase tickets to these performances. With new printers. compare your prices. If you want tickets for a moderately-known group in a larger arena. By the time you try to get in to the show. and sometimes even-well known performers. Now.Are you searching for tickets to a very popular group in a small venue? If so. but the principle is sound. Look for Special Shows I live in a country/western town. and you get an up close and personal experience. If you are a member of the radio station’s fan club. get tickets as soon as possible. Newer bands. Not only are prices dirt cheap. They do a promotional event for the local radio stations or play at some of the local dance clubs in a private performance. turn up in town when they are playing other local venues. and only purchase from a reputable dealer. chances are prices will drop as the concert date gets closer. your scalper and your money are long gone. Few things are as wasteful as purchasing fake tickets. scalpers can recreate those digital tickets that are supposed to be unique. there should be nothing holding you back from enjoying top-notch entertainment on a budget. Now that you know how to save money on concert tickets. but they also usually donate the money to a charity. Skip opening night if you can.
Stock up on Fabric for Less than You Expect Click Here to Read This Online Purchasing fabric for sewing. The catch? You have to buy a lot. That is perfect if you are sharing the fabric with a bunch of quilting friends. some bolts are 100 yards or longer. Manufacturers line the streets. This doesn’t mean you are consigned to the bargain bin each time you want to sew. Think Wholesale Wholesale fabrics. On the other hand.COM 177 . Between 5th and 8th and 37th and 38th. you want to join the mailing list. it just means you have to be smart with your money. and you can pick up unusual fabrics for a song. just like other wholesale items. You might get away with as little as 10-15 yards on a bolt. people rush around pushing trolleys of samples. How much less? Sometimes they are pennies on the dollar. Join the Mailing List It’s an old trick to get your contact information. I am on two such lists. crafting. Hit the Garment District If you are lucky enough to live in New York City. Some upholstery materials can cost well over $75 a yard. Here are a number of ways you can get as much fabric as you possibly need without spending a fortune. How much exactly depends upon the website or distributor. but if you sew regularly. you will find the historic area where fabric has been selling for decades. Make sure you ask before you order. and every month I get a mailer that lists the Presented by MONEYNING. you can head for the Garment District. or any other use can be an expensive endeavor. cost less. and that is really too much for a casual sewer.
specials as well as provides two coupons. Consignment shops have plenty of clothing. When nothing but new will do. Presented by MONEYNING. sheets. If you aren’t finicky. A season is coming to an end and some of their fabrics didn’t sell. Slowly building a good stash of fabric will also make you less likely to spend on impulse. you can end up getting fabric for 75% off or better. and any really large items can be cut apart and used for smaller sizes. and fleece that can be re-purposed for sewing.COM 178 . that is a winner for me. Always make sure to check what you have before you buy something else. One is always a 40% off coupon on one cut of fabric up to 5 yards. Sheets make great curtains or fabric for summery girl’s dresses. 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. so avoid faddish materials. buy classics and stock up when the fall arrives. Consider Alternatives Just because it didn’t come from a fabric store doesn’t mean it can’t be used for just about anything. If you want to make everyone a Christmasthemed fleece jacket. as not buying anything is the best way to save money. fleece blankets can be tied together to create the popular tied fleece throws. Fleece can be turned into pillows. Sales are Superb Every fabric store in creation experiences that same dilemma.
Auction Sites Auction sites such as Overstock and eBay are also good places to find scents. Department Stores Presented by MONEYNING. Anyone can pretend they are selling the legitimate product. That doesn’t mean you will get what you think you are getting. Other times. bulk purchases. That said.COM 179 . If you find a consistent history of complaints. Make sure to check reviews of any Web site you are considering. and deep discounts. go elsewhere. Nearly everyone has had the experience of being given a scent they don’t use. an enterprising individual sells them online for a few dollars. Many times these bottles of cologne/perfume end up in the closet gathering dust. Go Online It will come as no surprise that some of the best prices on perfume or cologne can be found online. While this isn’t a good way to try a new product. it just isn’t worth it. It is the old story of low overhead. People get very attached to a particular scent – and that’s fine – but that isn’t a good way to save.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. it can be a great way to get a standard. You can find just about every scent in the world online in some capacity. and frankly. if you know what you are searching for. Having a few different scents in your palate will increase your chances of finding what you want without spending too much. In addition. looking off the beaten path can help too. some caution is in order.
lotions. Consider other Products Many popular products can be purchased as powders. These alternatives are usually less expensive than the perfume and provide an all over appeal. so look for money-saving opportunities. but even department stores can be a source for inexpensive perfumes. 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. a dab behind each ear is all you need to raise the bar.It’s hard to believe. When holidays roll around. many companies offer sales. and more. Use Sparingly As a culture we overuse our scents. If you have to get something at these prices. No matter which cologne/perfume you like to wear. Learn how to minimize your usage. you will save money and still enjoy your fragrance. and if you purchase good products. Outlet Stores Some stores specialize in selling department store discards. bath gels. and other perks to regular customers. If you are already dusted with perfume-scented powder. Scents are meant to enhance. stocking up when you find a good deal is a decent option. make sure to get offered an extra as well. you can certainly experience a similar feeling when you smell some people. Among the collection of designer dresses. and luggage. While you can no longer be assaulted in a store by a spray bottle wielding salesperson. and you can have your scent and smell it too. not overpower. Your perfume will last a long time that way.COM 180 . Remember that even perfumes have a limited shelf life. you don’t need to overdo it. free samples. Presented by MONEYNING. kitchen wares. you can find many fragrances.
and it pays off for some attendees because they get a cheaper room in a convenient spot. Barring the option of skipping all such gatherings. you know that the experience can be prohibitively expensive. you are likely to find a number of other accommodations nearby. Add up the cost of a room. Choose Alternate Accommodations When a group sets up a convention or trade show. so Presented by MONEYNING. It is not at all uncommon to find several hotels and motels clustered in a relatively small area in most cities. This pays off for the hotel because they know that they will book a large number of rooms. Motel 6 is bound to be cheaper than the Marriott. call them and ask if they want to share a room. Share a Room If you know someone else who is going to the same tradeshow. food. even if the latter is offering a good discount. Almost every hotel room comes with two queen-sized beds. Keep in mind that some of these ideas work better when you are at hobby conventions than at business tradeshows and visa versa. Let’s face it. there are several things you can do to cut your costs and still enjoy the experience. That means that if you plug in the address of the convention site.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. or you just like attending hobby based events. they usually arrange for a group rate at the hosting hotel. and more and you will start to see just how profoundly you attendance will affect your bottom line. travel. That doesn’t mean this is your only option though. purchases.COM 181 .
protein bars. and other perks. condiments. cold cuts. Once you get a cooler into the act. Quick oatmeal pouches are an ideal breakfast since most hotels now offer a small coffee pot in which to heat the water. and nuts are perfect for snacking at any time. it all adds up somewhere. and we save a ton of money. Join the Club If you attend a tradeshow or convention regularly and it is held in the same location year after year. Members get free breakfasts. snack bar. join the hotel’s club. I pack a couple of bags full of snacks that require no preparation and then I pack drinks. deals on rooms. mouse pads to hand sanitizer. and all have been put to use at some point or another. veggies. Presented by MONEYNING. and more in the cooler. Take Free Stuff When I attend tradeshows. you have many more options. While this might not have a direct impact on what you spend on this trip. I always bring an extra folding bag and a couple of shopping bags. Pack snacks.COM 182 . As these clubs are usually free. or fast food joint. fruit. If you don’t want to pack a cooler. I wander the aisles of the vendor area and pick up any freebie I think might use. I’ve acquired everything from highlighters to flashlights. When my children and I go to the board gaming convention every year. and you have gotten something for nothing.you won’t be sharing the bed. even indulgent ones. you can only win. even if you stockpile your points and use them to take a cheaper family vacation later on. Pack a Cooler Food is likely to be your next largest expense. They can all pick a few items. There is no reason you have to eat every meal out of a restaurant. and with a little respect and courtesy you can share a room for a few days and save 50% on accommodations.
however. have to cost a great deal.Tradeshows and conventions. Presented by MONEYNING. are great fun. whether for business or pleasure. They don’t.COM 183 .
French toast is another good way to use eggs and stale bread. and a bit of cheese to four eggs and a cup of milk. some toast. and other nutrients. get them in the bulk bins at your local healthy food store. Presented by MONEYNING. Two eggs. name brand boxes. Eggs are Great Aside from the fact that an egg provides essential protein. Each person can put their own choice of toppings. food bars. Add any leftover meats. veggies.Saving on Breakfast. Eggs can also be used to make a quiche for breakfast. and quinoa all make fantastic breakfasts. Name brand cereals. Pour the mixture into a pie shell. and let it bake for an hour until the eggs have set. and you are ready to go. Here are a few ways to save some money on this essential meal and still enjoy good nutrition and taste. Hot Cereals Cream of wheat. For a few cents a serving you can cook up a big pot of hot cereal and feed everyone. especially if you get individually-wrapped items. If you want to increase the health benefits. choline. Mix your eggs with a bit of milk. chances are you start every day with this meal. sugar. who never eats breakfast. lutein. You get eight servings for a couple of dollars and some leftovers. oatmeal. sustaining breakfast for less than $1.COM 184 . and OJ make a healthy. Don’t purchase these in small. like my son. and cinnamon and fry it up. grits. you can get a dozen eggs for about $1. Starting the Day Right Click Here to Read This Online (Coming Soon) Unless you are one of the unique individuals. and protein drinks can cost a bundle. toss in a piece of fruit or add some veggies to the eggs and make an omelet.
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.
Presented by MONEYNING.COM
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
Presented by MONEYNING.COM
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.
Presented by MONEYNING.COM
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.
Presented by MONEYNING.COM
there are the usual ways to save money that you can employ on china as well. get them. At that point. but you need to be patient. look for sales and store-based coupons. Promotional Opportunities Is it cheesy to get your dishes from the supermarket when it is running a promotion? No. 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. and keep it in a cupboard away from dust. In anticipation of this. when my local market offered Lenox dishes for FREE when I bought groceries. if you like the pattern.You can even find single plates online if you are seeking to make up a set or replace one dish that has broken. Just about every supermarket runs a promotion on dishes from time to time. Presented by MONEYNING. take good care of it. If you own china. Traditional Standbys Of course. This is the time to snatch up the best bargain. I like dishes. Good china will last for generations when treated right. They sit in my garage waiting for the day I can bring them out. the manufacturer will be looking to dump stock at a lower price.COM 189 . Don’t put it in the dishwasher. Just about every china pattern ever made eventually falls out of favor. Shop at outlet locations and wait. I’m not ashamed to admit it. so take care of them. I stocked up on 12 sets. If you are collecting a specific pattern. place fabric between individual dishes. Free is always a great price if you like the dishes. It can even pay to purchase a few extras to replace those dishes that break over time. China is a luxury item that is hard to justify when you live on a tight budget.
If you know where to get your gas for less. production. Fortunately. The savings can be accumulated up to a certain amount .$0. they offer discounts for loyal grocery customers. but invest that $50 each year and they do.40. they also run special promotions from time to time.Don’t Allow Gas to Guzzle Up your Budget Click Here to Read This Online Gas prices are on the rise again.10 increase per gallon can have an impact. That is a significant savings if you make good use of it.10 off their gas if you purchase $100 in groceries. and even though there is no actual correlation between supply. One of the local supermarkets offers $0. Shop for Food and Gas at the Same Chain Many stores offer both gas and groceries at one location. the result is the same when it comes to your budget. there are ways to minimize your gas usage and costs. $1 a week may not seem like much. over time it can really add up. Presented by MONEYNING. Use Online Gas Price Monitors There are several sites that allow people to enter gas prices they spot at stations around town. demand. Even a $0. In order to draw people to their gas station. and then used in one gas purchase.COM 190 . The difference between one station and another can be 10 cents or more. Another regular promotion involves credit for switching prescriptions to the supermarket pharmacy and another revolves around purchasing a certain amount of gift certificates. During the holidays they allow up to $1.00 discount per gallon. and in the last few weeks the increase has been double that. In addition to the usual cents-off offers. and cost.
costing you several miles per gallon as you drive. Carpooling is another wonderful way to save on gas. low pressure causes an increase in friction.COM 191 .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. Chances are that the current price of gas won’t last. Presented by MONEYNING. don’t sit in idle. turn off the engine. Change your oil and air filters on schedule to keep your engine running smoothly and effectively. and summer always brings a rise in prices at the pump. remove ski or bicycle racks or anything else that adds drag to the vehicle. take-out window. You can also improve gas mileage by taking unnecessary items out of your car. but the break-even point is fairly low. The less your car carries. Decrease Trips. Keep your tires inflated properly. If you are going to be sitting at a bank window. Finally. Start adapting your driving patterns and gas-buying behaviors now and by summer time you will be ready. Weight. Yes. By the same token. the engine does take a bit more fuel in start up than in idle. the less gas it will use. or any other place for more than a couple minutes. and Resistance You already know that you should plan your trips so you don’t go back and forth over the same route.
focus. Monthly memberships vary in price as well and even triple digit pricing is common in some parts of the country.Expensive Yoga Isn’t More Relaxing! Click Here to Read This Online Yoga does much more for you than just provide relaxation and stretching. The local library will. start by looking in to the classes offered. have a number of such DVDs. you may even find it at the local community center. You improve your posture. no doubt. and decrease blood pressure. Many gyms offer yoga classes. and if you find a couple that you like. Check Out the Gym If you already belong to a gym. and for an individual who is relatively fit and coordinated. Check Out and Buy Videos There are many good yoga videos that you can use. there are other alternatives. and most of them are going to be less expensive. A single drop in class can run you $20 or more. so it is easy to see why it is so popular. purchase them. Take some time to find out if the teacher is experienced and can alter poses in order to meet your specific needs. even on a drop-in basis. The benefits of yoga even extend to better self-esteem and improved relationships. this is a good way to try out yoga without making an additional financial commitment. Presented by MONEYNING. are much less expensive in this environment than they are at an established yoga studio. and strength while increasing your ability to concentrate.COM 192 . Call the Community Center Because yoga has become so popular. Luckily. flexibility. The real problem that most people encounter with yoga is the price. Classes.
Another option is to ask about discounted classes. and compare it to what you are paying currently. Presented by MONEYNING. buy a few and rotate through them. Sometimes studios will discount the price of beginner classes. most of the teachers I know are willing to barter for private lessons. chances are you won’t when you are paying. If you don’t attend regularly when you are getting free classes. Barter for Lessons Unless they are working for a franchise yoga studio. Consider a Membership While the monthly membership may be. This is a good way to try out a school without spending any money. chances are you can make some sort of arrangement. If you have a service you can offer. 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.COM 193 . say. it may very well be cheaper than just paying to drop in every day. You get the opportunity to see the poses demonstrated at a slower pace. Try Free Trials or Discounted Classes Many yoga schools offer a week or two of free classes. Yoga can be a lot of fun. usually less than $10. If you really like the program. and learn your limits without the stresses of trying to keep up with a knowledgeable group. and if you learn to work within the system. $150 if you attend on a daily basis. find out how you can get the best deal for your money.Websites that offer discounted DVDs make such videos very affordable. reasonably priced as well. Figure out the per-class price you would pay with a membership. get to ask questions. and if doing the same routine gets old.
Join the Club The main studio in our area offers a club for babies during their first year. you are also likely to get better pictures as your children won’t be constantly distracted and the photographer is feeling rushed. book it. discounts are most commonly offered weeks before the real holiday crush. you will probably pay less and have an easier time getting in. and gets coupons. things are much more difficult. When I was growing up. getting in to a studio becomes increasingly challenging. To encourage people to sign up early. If you live far from family and pictures are your most regular form of communication. this can be a very good idea. Presented by MONEYNING. If you wait until December. If you get your Christmas photos done at the end of October. These types of promotions are intended to get people in the doors so the studio looks busy. deals.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. you have several options when it comes to cutting costs.COM 194 . and a least one free sheet of pictures each time. The parent brings in the child on a regular schedule. we expect to have our children photographed every few months. and it can become a very expensive project. With fewer people waiting. Today. Be Prepared to Book As the holidays grow closer. about once every three months. and it scarcely seems to matter which holiday. If you insist on having the kids photographed regularly. the school arranged for a picture once a year and that was pretty much it. If you happen to walk into a studio and see an incredible deal.
Invest in a Camera It may seem simplistic. Once you have selected the best pictures. and extra sheets with packages of a certain size. Getting the family portrait taken is almost a rite of passage for some. there are plenty of promotional offers for a variety of portrait studios. others not. Some of the promotions are amazing. Take more pictures than you think you need so you don’t have to get everyone back together for more poses. Presented by MONEYNING. If you are planning to have your kids photographed.99. The key to good portraits is to set up the shot well. load them on a thumb drive and take them to one of the kiosks at pharmacies. we like to take “casual” shots in jeans and a white tee shirt. For formal occasions.COM 195 . 4 sheets for $7. You can also take a look around the Internet. some are useful. start searching for coupons in advance. but investing in a decent digital camera is a great idea. we all use dress shirts in the same color family and occasionally move the furniture around to achieve a more professional look. or head out to the nearest park. Get everyone in similar colors. Get a couple of sheets in different colors to use as background. Scan for Coupons Those circulars and envelopes that arrive in your mailbox all the time are loaded with coupons. An SLR digital camera with at least 5 megapixels is really all you need for excellent photos. grocery stores or other locations and print out your portraits. free sittings. That doesn’t mean you have to drop a small fortune to get good results.
The same kind of savings can be found in Colorado where a new bus line has been created between Colorado Springs and Denver. and you save even more. Compared to the $8 toll to cross the bridges in a car.25. Check for Passes Passes are a way to save even more money on a bus fare. and the amount of competition they have. the popularity of the route. but with a 10-ticket pass that drops to $27 and for a monthly pass $98.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. a 40 ride ticket is $330. For example. with some charging as little as $2 per ride. A one way cash fare is $11. depending upon the distance traveled. wear and tear. there is no reason not to ride the bus. your rides have dropped to about $2. Commuter buses charge a remarkable range of fares. insurance.45 per trip. if you take a bus from northern NJ to NYC you might pay $3. you have made a good choice. making each ride only $8. and other intangibles add up quickly. Many cities and states offer bus service along popular routes. If you arrive at the bus stop at the right time. and the costs are inevitably lower than driving on your own. Still. The advantage of riding in such a popular area is that there are many additional bus services. Gas.COM 196 .20. Assuming you commute an average of 20 days per month. it helps to know a few tricks if you want to save even more. Take Advantage or Status Presented by MONEYNING. you don’t have to wait for a scheduled bus.
and they can be a good way to get to your destination if you don’t want to fly. Many buses charge less off peak. Competition Helps Your Case Not all bus travel is commuting related. you can take advantage of off peak rates. The same is true for children. from carrier to carrier and from place to place. there are special fares for you. Just like every other commodity. there will be more companies to choose from. How much of a discount are we talking about? 50% or more. As long as you have bus service. When it comes to popular routes. Off Peak Hours One of the best things about a flexible schedule is that you don’t need to commute during rush hour. too. Take the time to investigate your options. you don’t have to worry. Buses travel between cities. That means that if you can arrive at work after the rush hour is over and then put in your hours. The downside is that you may have a hard time finding carpooling partners. or disabled.If you are a student. but they generally need to be accompanied. By shopping around you might be lucky enough to hit one of the occasional $1 fares. a senior. getting necessary paperwork. once again. and making use of such perks will make bus travel even more reasonable. Presented by MONEYNING.COM 197 . you’ll be glad you did. bus tickets can vary in price from day to day. Keeping current ID. These newer lines have incredible deals from time to time in order to boost their business.
If you want a place where people focus on body building. chances are you are going to feel inadequate as well when faced with people who consider gym time a way of life. and a parade of personal trainers. If you are never going to use the pool. Determine what kinds of exercise you intend to do. In my area a monthly membership at the full service gym is $39 a month. then you are paying for it no matter what. What does that mean? If your goal is to get on a treadmill three times a week and that’s all.COM 198 . the one that has no pool or racquetball courts is only $19 a month. then why pay for it? If the gym you join has one. productive routine. meaning that they will flock to the gyms to try and fulfill their goals. Of course. Consider Your Personality Getting to the gym is particularly challenging for women. a $240 a year savings. Looking for a place where yoga is tops? They exists too. Is it possible? Absolutely.What Should You Know to Save on Gym Memberships? Click Here to Read This Online Every now and again. so finding the right gym involves more than finding one that isn’t too expensive. Not only will you pay more. classes. Body issues appear front and center. everyone will want to lose weight. how often you will attend and whether you want assistance to develop a good. search for a gym that caters to that crowd. there is no reason to join a full service gym with pool. 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. it also means one that feels comfortable. Assess Your Needs Nothing will cost you more than joining more gym than you need. A gym where Presented by MONEYNING.
If you are short on time and don’t feel like sweating in a group. You can get quite a few weeks of free gym time this way. make sure you will get good value for your money. Presented by MONEYNING. then it's just money wasted because you won't go. and free second memberships for your partner are all common incentives. Almost every fee is negotiable. but not for those who just want to get in and get out. once you are in the doors they want you to sign their contract. If your gym isn’t a good match. so don’t just agree to something that will cost you more money. you might want to consider investing in a couple of pieces of equipment and working out at home. Make sure you try out a gym and see how things work before you commit. negotiate. Almost every gym will offer a trail of 7-14 days as well. if you don’t mind the phone calls and e-mails you get as a follow up. 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. Before you shell out your hard earned cash. Remember. If you definitely know which gym you want to join. Gym memberships are one of those luxury items that you become attached to very quickly. waived registration fees. Discounted monthly rates. 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 .
there are a variety of options. you may be able to attend competition-level classes without the fees even if you don’t intend to compete. offer drop-in classes and monthly memberships. let your kids try out the activity in a low pressure.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. traveling. there is no reason to pay for competition-level classes. or hip hop. Once you have mastered the needed skills. without constant reminders. The key is to find a way to take your dance lessons without breaking the budget. Presented by MONEYNING. If you intend to attend regularly. the YMCA. it might be time to think about moving up.COM 200 . in particular. shoes. schools. cheaper environment. Take Classes at the Rec Center Townships. which is where these suggestions that are valid for kids and adults come in. ballet. Before you plan to shell out $50 a month for classes at a studio. Whether you want to learn ballroom or line dancing. Talk to the school owner and see if an arrangement can be made. chances are that monthly memberships will pay off handsomely. If they like the activity enough to practice at home regularly. and other equipment quickly add up. and other venues provide basic dance classes for kids. Skip the Competition Until you get to the point where you are committed and driven to compete in dance. Consider a Monthly Membership Many establishments that cater to adults. Costumes.
and contra dances. Couples or friends would hire him to teach basic classes. this isn’t a technique that will work if your goal is to learn classical ballet. and occasionally he would barter for services he needed. Presented by MONEYNING. but for things such as belly dancing or line dancing. another evening they open a couple of hours early and teach couples dancing – the two step. Clearly. Get a Video You can pick up DVDs at the library and learn the basics of some kinds of dance on your own. You don’t even need a partner to join the fun.Find a Teacher and Barter One of my regular clients used to be a professional dance instructor. It may not be as good as joining a class but if you get the first few moves under your belt at home. If you find a studio with prices you can easily afford but hate going. it will more than pay off. It was an ideal situation for all involved. One day they offer family friendly line dancing lessons. country waltzes. No matter which route you choose. When the bar opens you have some new steps to show off. He doesn’t work in the field any more. remember that dance lessons are supposed to be fun. but for a while after he left the studio he continued to give private lessons at homes.COM 201 . Look for Free Classes The local Country-Western club offers free lessons of various kinds. it is no bargain. 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. you won’t have to pay for those lessons at a studio. it is perfectly acceptable.
Part of the profits will Presented by MONEYNING. 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. the idea of incorporation comes up. you will save if you don’t make a profit in the beginning. your employer paid half of your Social Security and Medicare taxes. but one that is particularly popular with small business owners is the S-Corp. it can really add up. A large percentage of small companies are run as sole proprietorships for a variety of reasons. though. No one likes to pay taxes. the question of incorporating is a pointed one. an S-Corp allows the owner to pay out part of the company’s profits as corporate distribution. At some point. That comes out to a fairly significant percentage of your income.How Incorporating Can Save You Money Click Here to Read This Online For the small business owner. Why is this? When you are an employee. This dramatically reduces the amount charged for Social Security and Medicare since a distribution isn’t the same as a salary. While you won’t recoup the entire amount. and there are some valid reasons to go through the effort. S-Corps Can Save You a Lot There are number of ways to incorporate. First. Second. Now that you own the company.COM 202 . even if they support the services that those taxes provide. Any losses the company suffers are deductible from your taxes. you must pay both halves: yours and the business half.
Of course. Incorporation puts a layer of protection between your personal assets and your business assets. If you are ever sued as a business. Incorporate Inexpensively You don’t actually need an attorney to incorporate under most circumstances. when you deposit payments.remain as regular salary. contact the office of the Secretary of State (SOS). none of your personal assets can be touched if you incorporate properly. You can usually find all the forms you need and have your questions answered online at the SOS website. Online services can help you through the process.COM 203 . this means that you have to be very careful to follow appropriate procedures when you pay yourself out of your business funds. To find out what is required in your state. vehicle. Even if you carry insurance for your small business. Presented by MONEYNING. and you can even opt to do the whole job on your own. but it is well worth the extra effort to provide such protection. any assets you have are in jeopardy if you don’t incorporate. How much you will spend will depend upon the local laws. or savings account is on the line. at a cost. 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. and in a couple of days you will be legally incorporated. but you can cut your taxes in half or more with such an arrangement. Each state will have specific guidelines for you to follow. Protect Your Assets Did you know that if you run your business as a sole proprietor or contractor. and when you keep your books.
COM 204 . As a recent consultation taught me. and retaining a lawyer will cost you much more. find out if you even need an attorney. Do Your Homework Most lawyers in a particular area and field will charge about the same amount for their time. not. Too many people make the mistake of paying for someone to do something they could do themselves. For the rest of us. even basic advice will set you back several hundred dollars. requiring legal advice and being able to pay for it is not always the same thing. The first step is to be an informed consumer. sometimes they are worth their pay. When you find yourself in need of an attorney. 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 will always be some who charge more. there are several things you can do to minimize the financial impact.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. Presented by MONEYNING. an attorney isn’t necessarily required. chances are you can handle the process alone. For example. chances are that the need for affordable legal advice has never entered your mind. Call around and get referrals from people who have needed similar legal counsel. from divorce to small claims court. other times. 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.
Don’t Join Prepaid Plans A final word of advice. make some calls and set up initial consultations to meet two or three attorneys. Presented by MONEYNING. Additionally. and participate as part of the "team" Avoid Change The most expensive thing you can do to yourself is to change attorneys midstream. you should be forthcoming. keep copies of all records. I promise. Think of it as an interview for the lawyer in question. don’t join those prepaid legal plans offered at work.With a short list. you lose more money when you have to bring your new attorney up to speed. people who join such plans are gambling that they will need an attorney to represent them in a legal battle in the future. for example. you reduce the fees you incur by constantly calling and checking up on their progress. The lawyer will apprise you of any progress on your case without you harassing them. Once you decide which lawyer you wish to use. To retain a lawyer you pay a fee. The first meeting shouldn’t cost you anything unless you get right to the legal issues you need addressed. barring unusual circumstances. and so forth. you only get so many hours with the attorney. As a good client. The plans are very limited and limiting. reprocess documents. 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.COM 205 . By allowing your representative to do their job. often several thousand dollars. If you want to retain a new representative you will pay the same fee again. Similar to life insurance. stick with them.
do what you can yourself. Presented by MONEYNING.COM 206 . the savings can be significant.You are better off saving the money in an account where it will accrue interest. Be willing to pay for quality. that way you will have cash if you need to hire someone. or you can use the money for something else when the time comes. and be cooperative. Chances are you will only need an attorney or legal advice once or twice in your life.
where to find it.pdf of one year to another. and don’t fall into one of the less common categories. most people simply don’t need such assistance. Contrary to the rumors. Good software will tell you what you need. filling out tax forms isn’t that challenging. and the software walks me through everything I need to do. Presented by MONEYNING. If you have no dependents. then you have faced the question of how to file taxes properly without spending a fortune.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 program I use year after year drives one of my friends nuts. handle the job the old-fashioned way. I even own a business. It took us each several tries to find the right program. I feel the same way about the software she uses. Look at Software I have done my taxes on my own for years with the help of tax software. and what sorts of documents you will need to support your claims. Can You Do it Alone? As long as your tax returns will be fairly straightforward. The advantage is that you get a tax credit for the software you purchase. You copy numbers from your W-2 to your tax.COM 207 . don’t own property. The best programs will also transfer information from the . do some simple math. saving you some effort. and you are done. there is no reason you can’t take one of the simple seminars offered at your local library and do the paperwork. One of the things I discovered with tax software is that different people like different programs. While there is a point at which you may need to hire a high powered CPA to prepare your documents accurately.
COM 208 . a sibling. run-of-the-mill CPA can do an excellent job. The fact is that it just isn’t that difficult. 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. Perhaps the biggest challenge people face when it comes to tax preparation is intimidation. just in case. Ask for referrals amongst your friends. Gather your papers together and organize them. 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. as long as you don’t mind them having access to your personal information. Arranging your papers by date will help as well and make copies of everything. Presented by MONEYNING. take a look online for a checklist of some sort. Your general. or a close friend can make the process quick and easy. medical expenses and W2s are essential. and do your part of the job before you go for your appointment. If you aren’t sure. Business expenses and receipts are important. If your case is difficult. A brother-in-law. you don’t need to have an attorney process your returns.You Don’t Need an Attorney Unless you are in some sort of legal trouble with your taxes.
Make sure you have a matching lid that fits on tightly. omelets. 6. Bigger is better. Built to retain heat well. Dutch Oven – Smaller than your stock pot. 5. unlined. this is a piece of equipment that. Perfect for taking steaks from a good sear on the stove to a quick grill in the oven. Pots and pans can cost a pretty penny. a stock pot should be taller than it is wide. as well. if you purchase good quality equipment. Let’s look at the basics and the best choices. unless you know what you are looking for. Pick a 6-inch and an 8. Six pots or pans will cover all your needs. Heavy Skillet – Don’t forget a matching lid as well. You will make smaller batches of soup. will last forever. or boiling pasta. Omelet Pans – one or two nonstick lined pans are essential if you cook omelets. you have hit pay dirt. as well as a million other uses. glass lid to go along with the skillet. heat gravies. Saucepan – This pot should be well-constructed from solid materials. etc. heavy.or 10-inch pan. These pans should be heavy with well-constructed handles. Iron Skillet – Don’t spend good money on getting a new skillet when thrift shops seem to have an endless supply of these. 12 inches in diameter and 2 inches deep are your minimum measurements. an iron skillet is a joy to have. stock. you can cook stews and chili in here as well. make mashed potatoes and veggies. 4. 1.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. Used primarily for high heat situations and those recipes that contain sticky ingredients: grilled cheese. 2. all in this pot.COM 209 . Presented by MONEYNING. What You NEED The average kitchen really doesn’t need much when it comes down to brass tacks. This is one time where spending more will cost you less in the long run. Stock Pot – 8 to 12 quarts. and preferably stainless steel construction with a layered bottom. if bought right. Used for making soup. it will fulfill many of the same missions. If you can find a domed. 3. as a good pan can last a lifetime. Wide. Skip plastic handles and knobs since you want to be able to stick this pan in the oven for braising and finishing.
While there isn’t much you can do about the industry’s pricing. Remember. Presented by MONEYNING. well-educated staff. and you can pick up some great bargains here. so purchase the best you can afford. This is a perfect item to put on that holiday wish list too. Some towns have restaurant supply stores.COM 210 .Paying for It Because good quality cookware will cost you a bit. These stores cater to professional chefs. and an understanding. Your next choice can be to search out one of the chain stores which specializes in house goods. you can invest in things that won’t need to be replaced any time soon. Take time to find exactly the right item and get only one or two items a year. and utilize their frequent coupon mailings to drop prices into a range that is almost reasonable. While prices are high you will get exactly what you want. this is a life long investment. plan for the expense. good quality.
While lower priced chemicals may require a bit more monitoring. Get one of those nets that are attached to a stic. Small variations are easier for the system to absorb. As with other maintenance tasks. Water should be tested on a regular schedule. staying on top of this one will keep the water cleaner and the pool in better shape. the less effect they will have. By keeping the waters PH properly balanced. thus decreasing your expenses. Maintenance is Critical There are a number of cleaning issues with pools. Comparison shopping will go a long way towards getting you a great price. and to cut costs just makes sense. Salt is salt and chlorine tablets are chlorine tablets. maintain a regular schedule for replacement. No matter what you buy.what stay in the water. There is the question of debris and also water quality. spend some time online finding the best prices. If your filter is disposable. they all do the same thing. Getting supplies at end- Presented by MONEYNING. Buying Chemicals It is pretty rare for any pool to need “top-of-the-line” supplies.Can You Save on Pool Cleaning? Click Here to Read This Online (Coming Soon) Owning a pool is quite an expense. daily testing is advisable. There are a few things that the average pool owner can do to reduce the expense of pool cleaning. you reduce the need to “shock” it. If the pool is used frequently. so get what you can afford. Both are simple enough to attend to on your own.COM 211 .
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. Be prepared to snatch up supplies when they go on sale. Find less expensive options. blend your orders of supplies together. Store supplies safely if you do this. That doesn’t mean you have to spend a fortune. and enjoy your dips more than ever before. In Pool Cleaners There is no denying the thrill of watching a little “robot” churn around in your pool cleaning the dirt and grime. purchasing a greater quantity may pay off. Keep an eye out for closeout sales and deep discounts. just like you do your pool. Don’t run it more than necessary. Look for Closeouts Pool stores go out of business more often than you think. Just because you have a pool. Just like in other situations. Presented by MONEYNING. Keep your cleaner maintained.COM 212 . Purchase the unit that is designed for a pool the size of the one you own. Pool cleaning is an undeniable expense and hassle. You can find automatic cleaners that run $200 and those that do the same job for $1000. do more of the work alone. it doesn't mean that you have to give up your fun to accommodate a shrinking budget. 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. A pool store often changes to a ski store in the fall and wants to eliminate its stock to make room for new merchandise.
chances are you will want winter blades by the time fall rolls around. Determine which functions you need most of all. a relatively large percentage of drivers don’t know how to change their own wiper blades.COM 213 . Presented by MONEYNING. Chances are you will need to replace your front blades much more often then your back blade – if you even have one. find out what size blades you need. Some blades work very well in snowy conditions. so you don’t want to get them unless you really have to. In Seattle you will want blades that work very well in rain. although it can vary a bit from car to car. Winter blades usually cost more. Online you can check prices for specific blades so you don’t waste gas and time driving around while comparison shopping. You will get charged a lot more for the same blade if you ask the garage to put them on for you. others work better in rain. The question is how do you combine savings and quality in a way that avoids the need to replace your blades every other week. many people are finding that they need to replace their windshield wipers. Determine What You Need While you are learning how to replace your blades. This is a relatively simple task.See Your Way Clear to Savings on Windshield Wipers Click Here to Read This Online (Coming Soon) With winter upon us. Get out your owner’s manual and learn. Get online and read some reviews. Learn to Do It Yourself Odd as it may seem. If you live in Buffalo. so write down what you need before you start “shopping” around. It is fairly common to need two different sized blades today. You can purchase a really cheap set at the local mega-mart. or you can spend $20 or more per blade.
Test the blades by spraying some water on the windshield and run the wipers. figure out if the streaking is occurring because of worn blades or due to dirt. If you are streak free. manufacturers want you to purchase their brand. you might get coupons tossed in as well. Presented by MONEYNING. Wiper blades accumulate grit. grab some isopropyl alcohol and a clean paper towel. To clean them. First. sap. you don’t have to rush out and buy new ones. If you still streak. but it will help you evaluate if you really need to replace your blades. Wiping down your wiper blades from time to time will not only prolong the life of your windshield. Wet the towel and wipe it back and forth over the blade a few times. but there is no reason to pay top dollar for them. dust. and more as they go back and forth across your window.Keep Them Clean If your windshield wipers start streaking. and online. especially around the holidays. Look for Coupons It’s an old song but still true. season changes. Windshield wipers are an essential piece of safety equipment on your car.COM 214 . things are good. If you have a brand of wipers you really like. you will know that it is actually time to change the blades. consider signing up for e-mails from that company. so keep an eye out for coupons.
Deep scratches will need to be dealt with professionally. Clean out the wheel wells. Dry it with soft towels – old diapers work great. Do It Yourself This is an obvious suggestion. Those areas can be cleaned with an area specific cleaner. A brush can help remove the crud that accumulates in the hub caps and other visible areas. treat the wheels with a wheel cleaner.COM 215 . Minor scratches and nicks can be dealt with using a good wax. use one with orbital movement. If you want to buff your car with a sander.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. Products will dry on the car and mar the finish. it is worth the effort. If you have money like that to spend. Start by washing the car with a soap made for cars. Now inspect your paint. but if you are like me and watch every penny. Time is the critical issue here. chances are you won’t need to read this article. Clean the Outside First Don’t work on a particularly hot day or in direct sun. though. Presented by MONEYNING. Use a damp Q-Tip or toothbrush to clean off any wax that remains in crevices or on rubber areas. It can take several hours to do the job right. If you have the time. Finally. here are some tips to help you keep a clean car and a wallet full of cash.
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. but don’t over-saturate. Vacuum the floors. Start by dusting off all the easily reached surfaces. Use the diluted multipurpose cleaner to clean areas of plastic. Presented by MONEYNING. treat them as you did the carpets. such as the plastic lens the covers your speedometer and other gages.COM 216 . Finish off by washing the windows. seats. Dilute your cleaner 10:1 and use it to clean all surfaces with a damp cloth. If your seats are vinyl. for example. To get into every nook and cranny. If you have cloth seats. use a leather conditioner. a multipurpose cleaner. or you will potentially get mildew. Use a carpet or upholstery cleaner in the spots where needed. if they are leather. and rear parcel shelf thoroughly. Pull out the floor mats and remove any items that are removable – extra console pieces. Consider removing any knobs you can pull off gently to get underneath. Now apply yourself to the dash. dash. Q-Tips. and your vacuum. You might also want a can of compressed air and leather conditioner if you have a leather interior. you will need their fine tip.Dealing with the Inside The interior requires some time and attention to details. Avoid products that leave a slippery or shiny finish. use a vinyl cleaner. This is where you will use those Q-Tips. Gather soft clothes. cleaners that are appropriate to your vehicle.
Not only will your car retain its value better but it will also look better. but the results are a worth the effort.Detailing your car will take you the better part of a morning.COM 217 . and who doesn’t like to drive around in a snazzy ride? Presented by MONEYNING.
the cheaper the bulb. and truly large packs. It will take up space better used for other things. Large Packs Everyone knows that purchasing larger packages has the potential to save money. why not avail yourself of a free light bulb? Free is definitely the cheapest way to go. especially right now as the switch takes place.COM 218 . 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. The exception to the rule here is if you need only one bulb of a particular type. There are ways to save money when purchasing light bulbs. CFLs also pose a certain level of risk as they all contain mercury and must be disposed of properly to avoid contamination. but it still pays to do the math. If you are lighting a chandelier with six bulbs. You can find bulbs in single packs. Free Bulbs Our local utility company offers free CFL bulbs every Wednesday. 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. you should be just fine with six 40-watt bulbs instead Presented by MONEYNING.Saving on Light Bulbs – a Bright Idea Click Here to Read This Online (Coming Soon) With the switch from incandescent to compact fluorescent bulbs. but the outlay is clearly more on a bulb per bulb basis. The interest in getting you to switch over has provided some excellent budget-boosting options. you will find that the lower the wattage. so price them per bulb. Purchasing six bulbs when you will only use one in a year or so isn’t sensible. Use Lower Wattage In general. twins.
While CFL bulbs don’t work well with dimmer switches. you may need to go with the maximum recommended. about half that used by a CFL bulb. If you are depending upon lower wattage or a single bulb.COM 219 .000 hours or more. they cost less to run and last longer than incandescent bulbs. and that provides additional savings. Summing it All Up At this point your best financial bet is CFL bulbs. Their slower start up time has yet to be addressed. Presented by MONEYNING. 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. Even with the potential hazards. It is thought that CFL bulbs will be a stopgap measure until LED bulbs have worked out their kinks and prices have come down. That means it doesn’t spread out like an incandescent light will. Consider LED While the upfront cost of LED bulbs is still in the stratosphere. It isn’t unusual to find bulbs rated for 30. you can expect to be switching to LED bulbs instead.of six 60-watt bulbs. and the light is pretty directional. Play around with it and see. they last just about forever. LEDs also use less energy. The catch is that you can expect to pay about $30-40 per bulb. Eventually. there is a movement to adapt them for such uses.
Shop Around You don’t really need me to tell you to comparison shop for anything. they would have cost me almost $900. so call around and ask. or it causes problems with the center differential. Aligned tires wear more evenly.COM 220 . Here are some tips for saving on your next set of wheels. Check them regularly for proper air pressure. and you won’t have to replace tires as often because one of them wore down too far before the others did. If you own a 4-wheel drive or all-wheel drive car. but here you go. The same tires you find at retail locations can cost 10-25% less at a warehouse. and that was with savvy shopping and a sale. For tire work you don’t even need to be a member at most of the warehouse clubs. Some of the best deals are at warehouse clubs. Purchase a lifetime alignment package from a local service store. Keep your tires properly inflated. As long as you get a tire of reasonable quality. so check there too. Rotate them frequently. but that still hurt! On the positive side. I’ll grant that my car requires unusual tires. if I hadn’t done my work. It really isn’t all that difficult. this is even more critical because if one tire wears too quickly you have to exchange all four tires at the same time. Maintenance is Critical Even before you get to the point of needing new tires. you can save money by taking good care of the tires you own.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. you will be just fine. Presented by MONEYNING. Your car needs a specific size of tire not a particular brand.
the more it will cost. If you don’t plan to hold on to a car for years to come. Coupons come out all the time.COM 221 . As if you could drive away with three tires on your car. a tire that costs $120 but is guaranteed for 20. The longer a tire is designed to last. but shopping wisely will at least save you money. you might just have a coupon you can use as well. start gathering them. and that is fun all the time.000 miles costs $. Another bit of math involves figuring out your cost per mile. Double savings! Consider the Numbers A final piece of the puzzle involves a bit of math and planning.000 miles might not be a wise choice. That way. If you have plans to sell a car soon.06 a mile. when you find the tires you want at a reasonable price. this is a valid one to consider. Still. When you know you will need tires in the near future. many tire stores offer “buy 3 tires get 1 free” deals. purchasing tires guaranteed for 50.03 per mile of wear.000 mile tire works out to $. Buying tires may not be the most fun you can have on any given day. Presented by MONEYNING. Those $30 saved costs you much more in the end. buy tires that are rated for less drive time. if you are looking for a deal.Look for Coupons In one of the sillier promotions around. A $150 50.
This action might not be possible to undo. Are you sure you want to continue?
We've moved you to where you read on your other device.
Get the full title to continue listening from where you left off, or restart the preview.