Pennysaverblog – Page 195 – Smart Finance and Money Saving Tips

3 Money Saving Tips For Penny Pincher Auto Owners

With gas prices seeming like they are a one-way bet heading north and so many financial cutbacks going on everywhere you look, a bit of penny pinching when it comes to running costs for auto owners is now pretty much essential to keep your finances on track.

Here are three money saving tips to keep your auto expenses to a bare minimum and keep as much money in your pocket rather than wasting it on paying out more than you need to.

Reassess your insurance

Making some adjustments to your car insurance needs can send the rate that you pay on a welcome downward spiral. There are several penny pinching ideas you can use to get lower rates and they can have a dramatic effect on the overall cost. The first thing to look at is to consider raising the deductible on your comprehensive policy which will mean that if you can stay out of trouble and avoid a claim you will benefit from a much lower rate overall. If you raised the deductible from $200 to $1,000 on your comprehensive policy you can save an average of 40% on the total cost.

If you have an older car, then think about dropping the comprehensive and collision coverage altogether especially if your annual auto insurance premiums are 10% more than the book value of the vehicle.

June 26, 2013

Family

Top 5 Frugal Family Travel Tips

Summer is the time of year when people choose to travel the most often. But when you’re taking the entire family along, understandably, your expenses can really start to add up. Just what it costs for four people to go to dinner and a movie can easily run you a couple of hundred dollars.

That’s why we wanted to provide you with a few frugal family travel tips. That way, you can still go on vacation and have a great time, but you won’t have to go over budget in the process.

Plan ahead. There are a lot of people who end up spending more than they need to on things like plane tickets and hotel accommodations all because they didn’t take the time to do some thorough planning beforehand. If you book travel and lodging 4-5 weeks in advance, you are sure to find some pretty good discounts (sometimes as much as 25-40 percent off).

Go all-inclusive. If you’re planning on going to another state, overseas or take a cruise, look for all-inclusive packages. Although you may be able to find some on your own by going to your favorite search engine and putting “all-inclusive travel packages” in the search field, we recommend that you consider going with a travel agent; they are professionally trained to look for the best deals, plus they tend to have already established relationships with various companies and vendors.

June 25, 2013

General

How To Get Cheaper Life Insurance

How much life insurance do you have? Do you have enough to pay for all your debts in the event something happened to you tomorrow? If you don’t, then you need to get more life insurance.

Why many people don’t get life insurance.

Now, I understand that most people don’t like paying for life insurance as they feel like nothing is going to happen to them so they think there really is no point in paying for it. What you need to know is that nobody knows when they are going to pass away, and since eventually you will pass away, you might as well be ready for it when it is your time to go. Many people put off making a will as well, but just like it’s important to have a will, it is also very important for your family that you get a life insurance policy. Let me ask you one thing, why do you buy car insurance if you don’t think you will ever use it? Don’t tell me that you have it because it is against the law to drive without it because you know the reason you have it is because it will save you from paying thousands of dollars in the event that something terrible happened and you got into an accident. The difference between life insurance and any other type of insurance, is that with life insurance you know that someday it will be used, not by you, but by your remaining loved ones.

June 24, 2013

Money Saving Tips

Tips For Finding A Great Broadband Service Provider

There are a lot of great Internet service providers out there, including Sky Broadband, and they all want your business. Your job is to be a smart consumer and to select the one that will best meet your needs without costing you an arm and a leg. If you live in a remote location, and you require a strong internet connection, your best choice might be to search for satellite internet providers that service your area.

Below are a few steps you can follow to find the best service to meet your needs:

Research.

Well, for starters, you need to do a little research. It won’t take you too long, especially if you search for comparison websites that have already done a lot of the research for you and have compiled it in comparison charts so you can quickly and easily see the pros and cons of each service provider and package.

What to look for.

Once you’ve got your charts pulled up, pay close attention to the price, limits of use (if any), and what the additional perks are for the packages you are interested in. Also make note of how much it costs to lease the modem or router. You may also opt to buy one yourself and save money in the long run. Also be sure to note whether or not there is a contract involved. Can you cancel your services without penalty, or are you obligated for a certain period of time? Ask about any added fees that you may find on your bill. You don’t want any surprises later.

June 20, 2013

Business

Simple Business Ideas For Stay At Home Moms

As a stay at home mother, there are many things that you can do, but not all will actually make money. The truth is that stay at home moms have an advantage because they are already at home. Just think, if you are already at home and you are not required to make money, then you will be much more likely to succeed in the end.

Something that a lot of stay at home mothers don’t realize is that there are many simple business ideas that you can use. Below are some of those ideas, but know that there are many more out there.

Simple Business Ideas For Mothers

Home Cooked Meals – Have you ever heard of a company called, “Meals On Wheels”? This company got their start by making good ol’ home cooked meals and then taking them to people who would want them. This is similar to any other restaurant delivery service, except the price is cheaper and you get better food. The nice thing about this is that you can start with friends and family first and then expand from there.

June 18, 2013

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