Category: Saving Money

The act or process by an individual, a family or small business, of taking a portion or percentage of weekly or monthly income and setting it aside by placing it in a savings account or other account such as a IRA to be used at some future date. Reasons for saving might include paying for unexpected events, medical expenses, child’s education, retirement lifestyle and other future purchases.

Alternate Transportation Ideas that Save Money


As we grapple with ever increasing prices every year for everything from a loaf of bread to a pound of your chosen meat or poultry, one of the most constant and upwardly changing prices is what we pay for gas.

It is certainly understandable why transportation is among the biggest factors that make many household budgets difficult to adhere to; but without some restraints in your gas usage, it may be extremely difficult to control budget expenses. So here are a few steps you can take to help save money on transportation:

1. To save money, you must always check on your vehicle regularly. A well-maintained vehicle can get you out of trouble on repair expenses. You can actually spend only $50 on maintaining your vehicle and save up to $800 on repair costs in a year. You can even save more if you do the maintenance yourself (if you are able to) and not bring your car into an auto shop.

2. If you want to save more money, it is recommended that you not buy a new car. The value of a car depreciates automatically when you drive it off the showroom floor of your car dealership. You may buy a car that is used (at least one year old). it is estimated that a year old will save you thousands of dollars as compared to the actual value of the car when it was new. The owner will then pay all the depreciated value of that year old car.

3. Save money on buying used cars by comparing the prices of the car dealerships and the actual price on the list of the used car dealer ads. To ensure the car that you buy is well conditioned, you might want to ask for the help of a mechanic to check if the car is good enough based on its price tag. It is better to buy a used car from a person you know and trust. This will help you make sure that you have a good deal in acquiring a car.

4. Try to compare gasoline rates. You may refuel your car with the gasoline station that offers the lowest price on gasoline. You can even save more by pumping gas yourself (acknowledging that in some states this is not permissible) and use the lowest octane in your car’s manual. It is also recommended that you pay cash as opposed to credit cards which charge extra in the form of interest. Do not forget to check the gas cap if it is tightened to ensure no gas spills out.

5. Always keep your engine tuned-up and have your tires inflated to their desired pressure (you can find the recommended tire pressure on the inside of your driver’s door) to save you even more money. A well-maintained engine consumes less gas. Keep your car’s trunk clean and free of junk and other unnecessary items to save more fuel. Heavy loads in your vehicle can consume more fuel because of the excess weight it carries.

6. Try to limit the use of your car for daily routines, if possible. Depending on where you live it may be possible to take the bus or subway; you can even ride a bike where possible in order to save money on gasoline. One of the benefits of not driving is the time you save by ignoring the traffic and traffic jams that you encounter everyday behind the wheel of your own car. Leave the car at home and reduce stress, while saving money on gas.

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Money-Saving Tips to Take Shopping With You

There are a sizable number of people that, if asked, will admit that shopping can be very addictive. Most of the time, household budgets are sacrificed as a consequence of shopping trips all over the country. Shopping really should not create headaches as long as you know how to budget. Here are a few important things that you need to remember when planning a shopping trip and while you are shopping:

1. Always remember to spend your money wisely whenever you go shopping. Bring only the exact amount of money you need to pay for your items. To ensure that you only buy the important things, you have to make a list of the items you need to buy. You may then budget your money wisely and it will prevent you from buying things on impulse that are really not that important.

2. It is advisable that you compare prices from different stores – AND different product brands – before buying an item. Do not limit yourself to just one store or one product brand. There are stores that offer the same quality but can have a lower price. A smart thing you could do is to be attentive to the prices of items that you buy regularly when shopping. There are instances that a store has an untimely price change on different items.

3. It is also recommended that you do your shopping during the end of the season. You may buy clothes in the months of August and September if you are looking for bargain clothes for your summer wear. Another period during which prices for many items are very low and affordable those days after the Christmas holiday when folks are finished shopping and returning unused but unwanted items.

4. You may shop in dollar stores where you can find items that are on sale and where prices are much lower than most of the department and brand name stores. Although the quality of some items is not the same when you buy in malls and shopping galleries the merchandise is still new and not yet used. These stores can provide you with the best prices which will also be in line with your budget allotment.

5. Another way to save money while shopping is to economize on the travel you undertake in finding the stores you want to buy an item from. One way to do this is to make a stop on your daily route to check if the items you buy regularly are still available and their prices unchanged or are those prices now out of the price allotted in your budget. You could purchase the item even before you go on your regular shopping schedule. This can save you fuel and time.

6. Try to find specialty stores that offer quality items certain percentages of discounts and can offer a very affordable price on your desired item. The prices found in discount stores may vary depending on the season of the year. These stores can be located in large shopping areas like in malls, downtown shopping districts and other busy shopping areas.

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