TIPS TO HELP YOU SAVE MONEY



Imagine what you can do with a few extra thousand dollars each year. If you follow a disciplined spending practices you can save well over a couple thousand dollars a year. If you handle your saved money carefully enough these money saving tips can even help you retire early.

 

How can I save money on my air travel expenses?

- Buy flight tickets at least 21 days in advance, usually the closer you get to the departure date the more expensive airline tickets go for.

- If you can, try to stay over a Saturday night on your trip, round trip packages in this format usually are cheaper.

- for most flights, especially domestic flights, refrain from using travel agents, go more to the online services or call each airline directly.

- Sometimes flying out of and into a smaller airport can save well over $100 dollars, always compare ticket prices of flight leaving and arriving from various airports.

- Try not to buying anything while you are on your flight. Some airlines now charge $5 for headphones if you want to watch the in flight movie and $5 or more for liquor.

- If possible try to buy nothing from airports they usually mark up the price by a large amount sometimes double the average retail price.

 

How can I save money on my car travel expenses?

- Before going on any road trip inspect your tires, engine oil, tubes, washer fluid, brake fluid, steering fluid. This can prevent getting stuck on the road and getting stuck with big repair expenses.

- Always check to make sure that your tires are inflated to the correct amount. Driving on under-inflated tires wastes extra gas.

-Have a cooler with drinks and sufficient food in your car. Stopping to buy water, soda, sandwiches is a waste of money as well as time.

- If you can, try not to rent a car, they run anywhere from $20-$75/day.

- If you do rent a car, don't rely on the rental company's recommendation to obtain insurance through them, invest the 10 minutes of time it takes to call your insurance company and find out their terms and conditions and rental cars for your particular policy.

 

How can I save money on my insurance expenses?

- The best way to save money on homeowners insurance similar to most other kinds of insurance is to shop around. Call a few different brokers and companies and compare their rates.

- Raise your deductible. Sometimes just by raising your deductible to $1000 your premium can decrease by as much as 25%.

- Bundle up your insurance purchases. Try to buy all your different policies from the same broker or carrier.

- Make your home safer. My adding simple preventive measures to your home you can save several hundred dollars a year on your policy. The best example for this is adding a security system on your house. Other things you can do include adding storm shutters, modernizing heating and plumbing, etc.

- Inquire about discounts. Some companies offer discounts to senior citizens and students with high GPA's. Ask your insurance representative for details, as it can save up to 10% on your premium.

- Generally speaking, the longer you stay with an insurance broker or company, the more trust they have in your business, which can lead to lower rates.

- When insuring your home insure the house and not the land. No matter what happens to your home the property will still be there, so don't get coverage for your appraised value or what you paid for your house, but for the building that is on the house.

 

How can I save money on my credit card expenses?

- DO YOUR BEST NOT USE THEM. Save credit for true emergencies.

- Keep a close eye on the balances of those cards you use often. NEVER go over your credit limit fee. Usually you will be charged at least $25 for every transaction over your limit and the credit card issuer may increase your interest rate.

- Never send in your payment late (even one day late). There is usually a minimum charge of $25 every time the issuing bank receives your payment late.

- Try to payoff your balance at the end of each month. Most credit cards to charge interest during the first 25 days of each statement cycle. You should go over your account's terms for exact information.

- Shop around for credit cards with the lowest interest rates.

- Although not often, but once in a while take advantage of 0 interest balance transfer offers. Keep in mind that if you do balance transfers often it can hurt your credit more than helping it.

- Try to avoid getting credit cards that charge annual membership fees and other junk fees. These can cost over $100 each year.

- Try to avoid using online bill pays using your credit card. Since your card is automatically charged you can loose track of your balance.

- Call of your credit card issuers and ask them to lower you interest rate. Most times if you have a clean history with them, they will adhere to your request. Depending on your balance, cutting your interest rate in half can save you up to a $100 each month.

- Try to consolidate the use of credit cards into one or two cards so you can better manage them.

- Although you should take advantage of cards that offer rewards to be fooled by the marketing, no matter what they give you as a reward you are still at a loss.

- Depending on the interest your savings accounts are earning for you, paying off consumer debt may be a wise decision, but do the calculation before you make your decision.

 

How can I save money on my food expenses?

- Go out to eat at most twice a week on predetermined days. For example set Saturdays and Wednesday as dining out nights. Prepare the rest of your meals yourself. You can save anywhere from $5 to $15 on the average meal. With 21 meals in a week, if you only eat out for 2 meals you can save anywhere from $95-285 each week, that's $4,940-$14,820 each year!

- If you have kids, frequent the restaurants that give discounts to children.

- Don't buy things that expire or get hold quickly if you are not sure you will completely consume it before it gets old (fruits, vegetables, yogurt, milk, etc).

- Compare unit prices with the price per item. It's cheaper to buy more if you can make more than one meal for it than buying a cheaper version that will only feed you once.

- Quite often you will come across coupons for restaurants in the paper; use these you can save a lot of money on the two time you do eat out in each week.

 

How can I save money on my car?

- Always ask if a car for sale is salvaged. Although salvaged cars are usually less expensive, they do however sell for less as well and most car dealers to accept salvaged trade ins or pay very little for them.

- When buying a car don't just go with the financing the car company offers you, do your own shopping and find the best rate as it can mean thousands of dollars over the life of the car.

- If you decide to lease a car, take into account how many miles you drive and include that in the contract.

- To save money on gas replace your air filter regularly.

- Follow the manufactures recommendations with oil changes and other tune-ups.

- Try to change the oil on your car yourself you can save up to $40 each time, depending on the type of oil you use.

- Shop around for the best deal on oil changes, some are as low as $15.

- Locate a gas station with the cheapest prices. And continuously buy gas from there.

- Many Gas cards offer a rebate on your gas purchase, applying for that card and using it ONLY for gas can get you a few dollars back on your gas bill.

- The more you speed the more gas you waste, so slow down.

- The lighter your car is the more mileage you can get out of your gas, so remove anything that is not needed from your trunk and back seat.

- CARPOOL. You save gas, extra mileage, stress, and possibly tickets.
- Buy a car with good gas mileage, usually 4 cylinder cars have better mileage than 6s and 8s.

- Always get a second opinion on car repairs.

- The most important money saving method is to follow all traffic laws. One traffic ticket can set you back as much as $400 and increase your insurance premium.

 

How can I save money on my banking expenses?

- Always sign up for the free checking and savings accounts.

- Never use a non-bank ATM to withdraw money, each time you are charged $1.50 and some banks charge their own fee, which can bring your total cost of using an ATM machine each time to over $4.00.

- Balance your checkbook religiously. This can save your hundreds of dollars over the course of a year in overdraft charges.

- Choose a bank that doesn't require a minimum balance and allows unlimited customer support calls.

- Always sign up for direct deposit when offered by your employer. You save time and money by not driving to the bank.

- Always review your bank statement to confirm that each debit and credit did in fact occur and furthermore that each debit and credit was for the correct amounts.

- Try to get a checking account which offers some kind of interest on your balance.

 

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