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Free Quick and Easy Money Saving Tips - Part 2
Although many consumers would argue differently saving money doesn't have to be difficult. In fact by making just a few changes in your normal lifestyle you can find ways to free up extra cash that can be put to better use in a savings account or an investment account. Finding ways to save an additional 5 dollars a day can lead to a more secure financial future in the long run. I have compiled some tips that you can use in order to find those extra dollars.
Tip Number 1 - Are you a daily coffee drinker or a heavy smoker? The simple act of eliminating one cup of coffee a day or reducing the amount of cigarettes you smoke (quitting entirely would be better) can free up a small amount of money daily that when added up equals a large amount at the end of the year.
Tip Number 2 - Try to avoid shopping at convenience stores. The prices they charge are outrageous when compared to lower priced food stores or super markets. It's a proven fact that you will spend less on food if you shop with a list, take advantage of sales, and purchase basic ingredients, rather than pre-packaged components or ready-made items. Take the time to clip coupons for items that you buy on a regular basis however avoid purchasing impulse items if you don't normally use them just because you have a coupon. If you take the time to compare the fine print you'll see that you can save hundreds of dollars a year by comparing price-per-ounce or other unit prices on shelf labels.
Tip Number 3 - When it comes to purchasing over the counter medicine brand name drugs are usually much more expensive than their generic equivalents, ask your physician and pharmacist if a less expensive generic or an over the counter alternative is available. Purchasing the equivalent generic drug can save hundreds of dollars through out the entire year. With the emergence of online pharmacies the opportunity to save even more money on medicine is significant. Take the time to search online for the best deals.
Tip Number 4 - With the high cost of gasoline draining consumer's pocketbooks any way to save money in this area is a welcomed tip indeed. You can save hundreds of dollars a year by comparing prices at different stations, pumping gas yourself, and using the lowest-octane called for in your owner's manual. You can save up to $100 or more (depending on your vehicle) a year on gas by keeping your engine tuned and your tires inflated to their proper pressure.
Tip Number 5 - Your vehicle can place a huge strain on your budget if you fail to perform routine repairs on your car when they are needed. The most important step that you can take to save money on these repairs is to find a skilled, honest mechanic. Be sure to aggressive shop around since not all auto mechanics charge the same amount for repairs and the quality of work performed is different based on the skill of the mechanic.
These 5 quick tips could easily save you several hundred dollars a year, which you could put to better use in a savings program or to pay off higher interest loans and other bills.
Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides free money saving insurance information and offers discount auto, life and home insurance that you can research in your pajamas on his website.
Other websites operated by Tim: Cellular-Phone-Solutions.com - Free information and resources regarding cell phones and cell phone plans.
Military-Loans-Online.com - Which provides free money saving loan quotes on all of your loan needs to include home equity loan information.
Debt Releif - Google News
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Debt Validation: Do you have to pay ?
It happens all the time. Debt collectors try to collect on debts that consumers have no knowledge of or never owed in the first place.
Utah, the Nation's Bankruptcy Capital
Congress recently passed the Bankruptcy Abuse Prevention and Consumer Protection Act, designed to minimize frivolous bankruptcy filings and to require debtors to repay some of their debt. Once it takes effect in October, 2005, the law will make it harder for those with problem debt to have their debt wiped away by the courts.
Credit Card Debt & the Unfairness of the Universal Default Clause
Let's look at a real world example: A woman purchased a new $4,000 large screen TV a few months ago based on the knowledge her monthly payment was going to be $175, and based on the 9% interest rate charged by her credit card company. For five months straight she made all her payments on time, but in the fifth month she was late paying her mortgage bill, for reasons unknown.
What is Bankruptcy?
Here is a useful guide to bankruptcy. It should be noted that bankruptcy is not to be entered into without first having sought professional advice.
Is It Possible to Be Sued For My Debts?
It is possible for creditors and third-party collection agencies to use legal means as a way to collect debts. The likelihood of being sued or having your wages garnished depends largely on the creditor that is owed money.
Take Careful Consideration Before Filing Bankruptcy
Filing bankruptcy is not fun! It is a last resort if you are interested in keeping an active and acceptable credit report. Bankruptcy is the condition of bringing all your assets and deficiencies into an insolvent state.
Is My Credit Card Debt A Problem?
For most Americans, credit card debt is a dangerous and growing problem. The average American family has more than $8000.
5 Methods Toward Reducing Your Debt
Decreasing your debt is paramount to having a good credit rating as well as giving you peace of mind. You want to get out of debt, but not all debt reduction options may be beneficial.
Credit Card Debt Freedom is Possible
Credit card debt have you drowning financially? You're not alone. The average American household carries $9,205 in credit card debt, according to CardWeb, an online industry tracker.
There are some new bankruptcy laws going into effect before long and many think they are much needed. Of course, that depends on which side of the bankruptcy you are a part of.
Whatever You Do....Dont Save Money!
No, that's not a misprint. Even though falling interest rates are good when you want to get a loan, they are bad for people with savings accounts.
Debt Collectors: Men or Mice?
Who are these people anyway? They viciously harass you and call you bad names. They embarrass you beyond belief by leaving detailed messages with your neighbors and at your workplace.
Debt Management Systems
What is a debt management system, and when do you need it? Like any kind of management system, debt help systems can be good or bad. We will take a look at what you can do to manage your debt better.
Is There A Way Out Of Your Debt Problems?
Do you have multiple debts? Do you have just one large debt which you could afford, but your circumstances have since changed? Are you finding it harder each month to meet the payments on your debts?You know debt is a problem, but maybe do not have any idea what the best way out is. Financial problems rarely just go away, so a solution of some beneficial sort is needed.
How to Deal with Bill Collectors
So you've screwed up. You're drowning in debt.
How to Reduce Your Debt in 5 Easy Steps
If you have incurred substantial personal debt, consider these options: budgeting, debt consolidation, credit counselling from a reputable organization and working with your creditors. You will need to choose a debt reduction method that will work best for you? The method you use will depend on your level of debt, how much spare money you have, your level of discipline, and how quickly you want to get out of debt.
Should You Invest In Savings Or Payoff Your Debts?
I have faced this financial question 8 years ago and recently I have friends asked me this same question. I think I should write it up so that it may help some of you that having the same situation.
Credit And Debt Relief--A One Stop Solution
Amy Wright, 34, was extatic when her realtor showed her the three bedroom townhome overlooking the lushious golf course. It was exactly the home she was looking for.
Questions to Ask a Credit Counseling Service about Debt Relief
Debt relief is a topic on a lot of consumers' minds these days, and with good reason. American credit card debt in 2001 was $692 billion, triple the amount from 1989.
Credit Card Debt: How to Get Rid of It
This method is simple, but requires some discipline.First, you have to stop any new spending on your cards.
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