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Way to Save #68: Don't Use A Bank
Instead, use a credit union. Credit unions generally offer lower rates on loans, higher rates on savings, and lower fees than commercial banks. To find one that will accept you as a member, ask your employer or open the yellow pages and make a few calls.
Way to Save #67: Shop Your Banks
As banks consolidate, competition is decreasing and fees are increasing. Think about the services you need first, then call around and see who can deliver them for the least money. Do you do a lot of ATM transactions? Then you need a bank with lots of branches and ATM machines to avoid paying “foreign” ATM … Continued
How to Find a Vet
Finding the best vet for the right price isn’t easy, but it is important.
Spend Less, Save More, Be Happy!
Take a minute to meet me and see how what I’m doing with my life can make a difference in yours!
Way to Save #66: Check Out HMOs
HMOs are normally the cheapest way to get health coverage. In the world of health, choosing your own doctors is an expensive alternative, so if you’re willing to let your insurance company make that choice, an HMO will be cheaper.
Debit or Credit?
The question used to be “paper or plastic?”. Now the question is “debit or credit?”.
Way to Save #65: Don’t Let Your Doctor Cost You
Don’t let your doctor cost you money. If your health insurance provider agrees to pay 80% of covered procedures, that generally means they’ll pay 80% of what they think is reasonable for that procedure, not 80% of whatever it costs. So find out what your insurance company is willing to pay and if your doctor can … Continued
Getting Out of a Car Lease
How to get out of a car lease… it’s not as difficult as you might think.
The Mortgage That Pays You
A reverse mortgage is a mortgage that pays you, instead of the other way around.
Way to Save #64: Keep Health Insurers Honest
If you’re like most people, you pay no attention to your health coverage. So when your insurer messes up, which they frequently do, you don’t know it. For example, many policies have a deductible of $200 per person, $400 per family. But are you keeping track of when you reach those magic numbers? Don’t assume … Continued
Way to Save #63: Don't Buy Specialty Insurance
Don’t buy specialty insurance, like cancer coverage. Put your money into a good general health insurance policy instead.
Way to Save #62: Minimal Travel Insurance
If you’re going to buy travel insurance, make sure you only get coverages you need, like trip cancellation coverage. Policies insuring your luggage are normally so riddled with exceptions that they’re virtually useless.
Way to Save #61: Get Rid Of PMI
Private Mortgage Insurance (PMI) is normally required if you have less than 20% equity in your home. And it can easily cost $50 a month! As soon as you’re sure you’ve got the magic 20%, whether it’s by appreciation or paying off mortgage principal, call your lender and tell them you want out of PMI. … Continued
Way to Save #60: Keep Insurance Active
If you’re changing policies, make sure your new one is in effect before you drop your old one. This applies to every kind of coverage: health, life, homeowners and automotive.
Way to Save #59: Get What's Coming To You
Keep the following list of possible discounts available and ask for them all when you get car insurance quotes (many might be applicable to homeowners as well.) Accident-free, multiple cars, short mileage (usually less than 7,500 miles per year) good student, absent student (if your kid is away at school without their car, they might … Continued
Way to Save #58: Flaunt Your Good Driving Record
If you’ve had no accidents or tickets during the last three years, make sure your rates reflect that. Most insurance companies don’t automatically lower your premiums when old citations fall away. You have to call and make them reduce your bill.
Prepaid Credit Cards Costly
Prepaid credit cards are convenient, but high fees make them a costly choice.
Way to Save #57: Cancel Your Car Coverage
This may seem like a strange idea, but if the cost of your annual comprehensive/collision coverage is more than 10% of the value of your car, you could consider dropping it. (Obviously you should never under any circumstances drive without liability!) For example, if you’re paying $500 in comp/collision premiums to cover a car that’s … Continued
Get More Sleep on the Cheap
Get more sleep without spending a bunch of money.
Way to Save #56: Shop Your Insurance Coverage
Whatever type of insurance you have, you should shop it every six months. This is a competitive business, and getting more so all the time. So pull out those policies and make sure you’re getting the best deal!
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