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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.

  • Prudence Says You Can Shop And Save Money Too!

    The plastic lure

    Can it be said that you have a casual relationship with your credit card? Is it your must-have carry-along when you go shopping, as some have opined? Can it even be said that your credit card is your best friend when you go happily shopping? If the answer to any of these questions is yes, it may be time for you to re-evaluate your relationship with that plastic temptation.

    Considering the economic conditions these days, this plastic seems to be the least practical option for anyone serious about saving money. It is actually the most convenient tool used for consumption when you are out of cash. It lures you to spend, which is precisely the reason you should modify your relationship with it. You don’t have to totally break off the relationship, but be a little smarter and make it work to your advantage…

    …Because there may be a few ways for your credit card to be useful in your saving endeavors. In fact, we have outlined in the following paragrsphs, a few methods that you can actually use to save money when using your credit card to shop.

    Balance transfers = lower rates

    If your present credit card has a high interest rate, you can transfer your balance to one with a low-interest or no-interest at all. It can offer you a 0% interest for a certain period and then a lower regular rate later on. A 15% interest rate can be transferred to one with 6%. The 9% difference means a lot, especially in the long run.

    Look for one with the lowest rate of all to further maximize the use of a credit card. This definitely spells savings. If you do not have a balance yet, it is best to look for a card without annual fees. This is one way you can take extra precautions in assuring that the lowest interest rate is the best for you.

    Make sure to factor in your buying habits. You may be attracted to the low rates, but the end result may not be desirable if annual fees and other hidden costs are attached to your bill.

    Rewards program

    Reward points system and cash back programs offered are also ways to get the most use out of your credit card for less. Simply put, these programs can save you money. Maintaining a low balance despite your frequent buys will give you at most 5% off on purchases.

    There are even cash rebates up to 5% when you use the credit card at certain gas stations, convenience stores and groceries. This can be automatically applied to your bill, which results in more savings you will be realizing.

    Maximizing the experience

    To reap the rewards, you must avoid the drawbacks. Let prudence be your guide because the prudent person will definitely look for the best deals and grab them right away but with some caution. Thus the necessity to read the details.

    Check the fees that may be charged and the penalty rates in case you delay. This may be the downside of the deal offered to you. For example, be careful of cash advance features of credit cards. Some of them can be very expensive. They can come with numerous fees and higher rates. So be wary! Spending cannot be avoided at times. Just don’t forget your goal of getting a good deal to save.

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  • 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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  • Money-Saving Tips With Emphasis on “How-to”!


    In today’s world, prices seem to go higher every year; in fact some prices get higher every week and month (take a look at your local gas station during the summer months). Having said that many modern-day families find that saving money can sometimes be hard since prices seem to rise faster than the rate of pay of today’s workforce. So with that in mind we’ve put together a number of tips we hope will help you save money. The list follows.

    1. Determine the things that are important to you. Identify the items that you need and the items that you want to have. Always remember that you should only buy things that are important and needed based on your lifestyle, which can be active or not so active.

    2. Make sure that you spend your money only on basic needs like food, transportation, shelter, and clothing. These basic needs are worth spending for because they are important for your health and security. They are the things that you cannot live without and should be allotted for in your budget.

    3. Make a list of the things you want to buy and be sure that the items you are buying are good enough to sustain your basic needs. You have to be satisfied with things you currently have, as long as they are still useful and can accommodate your needs.

    4. You should avoid unwanted purchases by trying the item first before buying it. This is to make sure that the item is worthy enough of your time and money and then you can make (or not make) the purchase. There are instances when you tend to buy things without even knowing their effectiveness and quality. You have to keep in mind that you always need to spend your money wisely on items that are of good quality and also fits into your budget.

    5. You should try to budget your money in advance. You can make a plan first before spending your money. There are instances that you spend your money without even thinking that it is not the right time to spend, because you’re towards the end of a budget cycle and there is a shortfall. It is also advisable to buy items at the end of the season, when you can get high quality products at significantly reduced prices.

    6. You can compare items in accordance with their price tags. Do not limit your options to just one store only. You may find the best item that can be useful and affordable to you by window-shopping first rather than buying by impulse. Many stores out there carry the same items and can offer lower prices.

    7. You can save more money in your household by conserving electricity. Be sure to turn off appliances that are not in use. You can even compare your monthly electric bills regularly to check if you are maintaining your desired price level.

    8. You can cut down on your transportation expenses by traveling wisely. It is recommended that you make your itinerary to help you to not forget your destinations. Being organized will help you save money and time, not only in the present, but for many months and years into the future; and after all, isn’t your future one of the primary reasons you need to save money in the first place? I dare say it is!

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  • Warming Up to a Utility Money-Saving Plan


    The utilities

    Saving money on utilities has be among the top priorities for most households, since utilities are “must-have” services, but are also some of the highest priced items a family must pay for. Take, for example, heating bills during the late Fall through early Spring period; and electricity (mostly for air conditioning) during the Summer months. These bills can easily fall in the range of $250 to $350 if you own a home.

    Expenses on utilities really contribute to most of your household bills, after your mortgage payment and auto expenses, if you drive a car or other type of vehicle; but did you know that you could trim your utility expenses by a considerable amount? Of course, you do need a solid “home energy reduction” plan which must be adhered to. That having been said we have made a few suggestions in the following paragraphs that may help you create such a plan.

    Electric & the appliances

    Identify which appliances consume high electricity usage and contribute the most in making the electric bill cost that much. You can save hundreds of dollars annually by enrolling in a home management load program that offer a 100-dollar savings in a year on electric utility hourly rate programs. This will help you lower your electric payments and will teach you on home energy conservation.

    It is recommended that you have improved appliance efficiency. The heating system appliances are known to consume too much electricity. The refrigerator and the water heater consume that much energy as well. Make sure to check these items regularly to ensure their efficiency. A well-maintained appliance will sustain its performance and will give you it’s accurate use of electricity.

    The heating component

    Always remember to give your furnace a tune up at least twice a year. You have to cover the water heater to insulate it and give your refrigerator coils a cleaning at least twice a year as well. You may also set a timer for the heater to have regular flow of electricity whenever it is in use. You may call your utility service to check if there is a low rate offered during any specific time of the day.

    You may also save money by lowering your heating bills. A good rule of thumb is to set your thermostat down three degrees which would result in a savings of 3 percent off your bills. You may even save more by setting the thermostat at the bare minimum while you are at work; and keep it at a reasonably low temperature during nighttime hours when you are asleep. This can help you conserve heating fuel (oil or gas and many places) and electricity while saving more money.

    Phone, water & others

    You may want to lessen your long distance telephone calls to lower your telephone bills. If there is a need to call a very important person, you can call during weekends and night hours. Telephone companies offer a lower rate for long distance calls during those times of the day. In order to save money the best alternative is using the Internet to communicate with your friends and relatives instead of the telephone; and if you have access to VOIP (Voice Over Internet Protocol) services, you should use it instead of traditional landlines and slash your phone bill by 70% or more.

    You may want to consider lowering your water bills in order to save money. Check if there are leaks so that you can fix them immediately. Another thing you can do is install a water saving showerhead to lessen the use of water when taking a shower. You can use a big container to stock water in the bathroom as an alternative to using the bathroom shower. This might sound a little strange, but it will save money.