Pennysaverblog – Page 198 – Smart Finance and Money Saving Tips

5 Tips For Setting Your Thermostat To Save Money

When it comes to heating and cooling your home, you may have discovered several tactics for maintaining your interior temperature and saving on your monthly utility bills. You might keep shutters, blinds, or drapes closed during the day to keep out the sun or add a layer of insulation against cold, winter winds. Perhaps you’ve added energy film that repels heat-producing solar rays. Or maybe you keep the fans running during the summer and throw on sweaters and wool socks when the chilly drafts of winter come to call. You might even use your fireplace once in a blue moon. And of course, you can hire a professional to perform a home energy audit to seal up any leaks that are letting the bought air out. But if you really want to reduce your energy costs, you should be taking advantage of the benefits your programmable thermostat has to offer. Here are a few tips to help you set your system for optimum efficiency and savings.

Learn how it works. Figuring out how to program your digital thermostat effectively is not terribly difficult, but it may require you to read the directions. Can’t find them? Simply look online for a PDF that matches your system. When you know what all the buttons do and how to use them accordingly, you can set your system to a daily program, or in some cases even a weekly one. And you can always reprogram as needed, say for weekends when you’re home during the day, or when you’re on vacation and the house is empty.

May 29, 2013

Money Saving Tips

How To Lower Your Car Insurance Costs

Sometimes it feels like insurance companies attach a vacuum cleaner to your wallet. Car insurance premiums never end, they tend to rise over time, and sometimes it’s a racket trying to get a claim processed when you do need to get something repaired. It shouldn’t be this way – and it doesn’t have to be. Fortunately, you don’t have to shell out a lot of money for good coverage.

Consolidate Coverages

Lots of insurance companies offer discounts for consolidating insurance coverages. While a lot of people do try to do this, it’s still something that’s glossed over by many others. It’s more than just consolidating your homeowner’s and auto policies. Ask about life insurance, health insurance (if you don’t already have coverage through your employer) and other types of insurance you carry.

Work On Your Credit

Your credit rating makes a huge difference in your premium rates. For many insurers, credit is a critical factor. Why? Because, while insurers don’t fully understand the reasons, good credit is associated with lower accident risk. One idea is that people with good credit are financially responsible, and thus responsible people in general.

May 27, 2013

General

How To Estimate The True Market Value Of Your Property

Let’s say someone knocks on your door ready to write a check to purchase your property. You are ready to sell and they’re ready to buy, but how much do you tell them your home is worth? The true market value or true cash value of your home is different if you were going to sell it in foreclosure or in some other type of forced sale. The true market value is what you would get if someone did happen to show up at your home with their checkbook, but how do you give them more information if you don’t have it? Here is how to estimate the true market value of your property.

One way to determine the true cash value of your home is by looking over your property tax bills. Usually an assessor will come up with an abstract number based on the fluctuations of the economy and the housing market. Once you find the assessor’s value, you usually want to double it to get an accurate price for your property. If you were going to sell it privately, you could add a percentage point or two to your final estimate to get the best price, but you never want to gouge.

May 24, 2013

Money Saving Tips

3 Ways To Lower Your Internet Bills

Practically everyone has a computer in their home these days, and many households have several computers, tablets, or other devices that connect to the Internet. Having access to the Internet at home has also become necessary for most families. Kids often are assigned homework that requires the use of the Internet, and many adults need to use the Internet to connect to friends and family as well as to work from home.

So whatever your reason for wanting or needing access to the Internet, there are ways you can save money and still get high quality Internet service. Here are a few ways to do just that:

Use Comparison Websites

Find cheap broadband deals by checking out websites that compare various broadband service providers in your area. They do a lot of the time consuming research for you and compile it into a user friendly chart that shows the perks of each company’s Internet packages. You may even find reviews on comparison websites so you can be sure that you don’t end up choosing the wrong company.

May 22, 2013

Debt

Smart Mortgage Moves For 2013

Do you have a mortgage? Are you looking for ways to save a little bit of money off your current mortgage? Well, the nice thing about 2013 is that you can save a lot of money off your current mortgage by taking a look at what is out there. A lot of people assume that just because the housing market is towards the bottom that it doesn’t make any sense to buy right now. Honestly, now is the time to buy a house if you can afford it.

So, what are some of the smart mortgage moves that you should be making in 2013?

The first thing that you need to understand is that the interest rates on mortgages are the lowest that they have ever been. What this means to you is that you should be doing everything in your power to get a mortgage today. A lot of people think that they will have time in a year or two to get their home but the truth is that the interest rates are only this low to help get more people to buy a house. Once people start buying more houses and the real estate market returns to where it once was, then the interest rates will return to where they once were as well. It is because of this that you should take full advantage of the interest rates while they are so low.

May 21, 2013

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