Pennysaverblog – Page 164 – Smart Finance and Money Saving Tips

General

Tips For Car Maintenance

In order for a vehicle to remain reliable and deliver the best possible performance, it needs to be properly taken care of. Unfortunately, many drivers tend to neglect their vehicle. Here are some of the most important car-maintenance items:

Oil Change
Although cars have drastically changed over the years, an oil change still remains one of the most important aspects of car care. After a certain period of time, the additives in motor oil gradually begin to break down. This means that the internal parts of the engine will lack the necessary lubrication. To prevent premature engine wear, motor oil must be changed on a regular basis. Make it a priority to stick to the recommended oil change interval. If you don’t know how to change the oil yourself, then auto repair shops in Lakewood CO can help!

May 19, 2014

General

5 Term Life Insurance Money-Saving Tips

One topic that a lot of us don’t particular like to discuss is death. And yet, being that it is a reality that all of us will have to face at one time or another, for the sake of the ones that we leave behind, it’s important that we make wise financial decisions. This would include taking out a life insurance policy.

If after doing a bit of research, you’ve decided that you want to take out term life insurance policy, you’ve already chosen an option that is pretty affordable. But if you’d like a few tips on how you can get this kind of insurance at an even cheaper rate, we have provided you with some money-saving tips below:

Get term life insurance while you’re young. Age, when it comes to getting insurance, is interesting. On one hand, when it comes to car insurance, the younger you are, the more expensive it tends to be. At the same time, when it comes to term life insurance, there’s a greater chance that you can get it at a good price if you’re a younger age and in good health. So, if you’re looking for some great rates on term life insurance, don’t wait. Get it as soon as possible.

May 17, 2014

Travel & Entertainment

Five Ways To Save On A Summer Family Road Trip

As the weather starts to heat up, it’s natural to start getting antsy for summer’s freedom and the lure of the open road. There’s nothing like a family road trip to see the sights, spend quality time together, and avoid sky-high air fares. Yet the cost of a road trip can quickly add up as well, when you factor in the cost of food, lodging, entertainment, and fuel. Keep the following tips in mind to save a bit of cash without sacrificing on family fun time.

1. Use Money-Saving Apps

Load up your smartphone with apps designed to save you money on fuel, food, and accommodation. Gas Buddy is an app that provides you with current fuel prices at the stations nearest to your location, using real-time stats sourced from other users. One of the biggest money wasters on the road is convenience store meals. You can not only eat better food but get more for your money by downloading apps like Yelp and MenuPages, which show you the top rated options in your current location.

May 15, 2014

Taxes

Claiming A Tax Refund: Agency or HMRC?

If you are – or were – an expat living in a foreign country, it’s not uncommon for you to feel overwhelmed by an entirely new tax system. Many expats who have lived and worked in the UK don’t know that they could be due a tax refund, let alone how to claim it. Here we explain the two ways to claim back your UK tax refund.

What is a tax refund?

A tax refund is a repayment of PAYE tax that you have overpaid during the tax year. You might be eligible for a tax refund if:

You’ve only worked for part of a tax year
You’ve worked for more than one employer in a tax year
You’ve had two or more jobs at the same time
You’ve been taxed on a basic rate tax code
You’ve left the UK before the end of the tax year (6 April – 5 April the following year)
You’ve been on an incorrect tax code at any point in the last five years

In order to get your tax refund, you need to claim through an agency or take the solo route by claiming through HM Revenue & Customs (HMRC). The route you choose to claim your refund depends completely on your personal preference and what works best for you.

May 12, 2014

Health & Beauty

5 Effective Ways To Cut Expensive Fitness Membership Costs

Getting in shape, maintaining your health, and reaching physical fitness goals won’t be easy, but it is something we all need to do if we want to look and feel our best now and in the future. Unfortunately, most adults lack the knowledge and tools needed to see to their own fitness needs. We don’t even know how to set realistic goals, much less reach them – saying you want to lose 20 pounds is a lot easier than figuring out how to get there. But there are options that can offer the help you need, and joining a gym is a great way to gain access to the equipment, classes, and even personal trainers that will get you to your goals. The only real caveat is that a fitness club membership can cost you a pretty penny. Of course, there are ways to cut costs and still enjoy the advantages associated with joining a gym. Here are just a few ways to get fit without unduly taxing your wallet in the process.

Wait for sign-up specials. If you’ve found the gym you’re interested in joining, it might be wise to wait until the location nearest you holds some kind of promotion for new member sign-up. Most gyms do this periodically as a way to increase their membership, and you could enjoy benefits ranging from having the signing fee waved, to getting a discounted monthly rate for a set period of time, to extras like free personal training sessions, just for example. So it’s worth your while to wait a while.

May 8, 2014

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