Savings tips by Tiffany Bass Bukow
Happiness in Frugality
The three grand essentials of happiness are: something to do, someone to love, and something to hope for.
Nine Ways to Lower Your Auto Insurance Costs
You may not realize it, but the insurance rates you pay for your car can vary dramatically depending on the insurance company, agent or broker you choose, the coverage’s you request and the kind of car you drive. Listed below are a number of things you can do right now to lower your insurance costs.
Money Savers – Your Cellular Phone
Do you find yourself faced with an $80- $150 cellular phone bill every month? Unfortunately, this is typical amongst many cellphone users. Why is that?
Cut Your Telephone Bill
We learned to choose long distance service. Now, we can choose our local phone company as well. We also have new choices for making long distance calls, including prepaid phone cards and 10 -10 numbers. How can you use these choices to cut your phone bill?
CCCS TACKLES YOUR BIGGEST MONEY WASTERS
According to WestAmerica Bank, most Americans believe they have a better chance of winning the lottery than saving for financial security. Yet, if you want to be financially successful, budgeting is not an option. It must be made a priority because no one cares more about your money than you.
Water Heater Savings
Dear Dollar Stretcher, I recently talked to a handyman/fix-it guy who said that for most efficient use, I should set my hot water heater as hot as possible. His theory is that if you have very hot water, you only use a little of the hot water mixed with a lot of cold to take a comfortable shower vs. using lots of water heated to a comfortable temperature (as I have it set now). I don’t have children, so the safety issues of keeping my temperature set lower are not as great. Which is more efficient? My water heater is almost due to die anyway. It’s 10+ years old. Laura M.
Is Your Bank a Money Siphon?
Instead of Saving Your Money, It May be Costing You
I’ve always been one to compartmentalize money. In other words, I pay for staples and bills from one account, invest from another, and keep both long-term and short-term savings accounts. It may sound nutty, but that’s just what helps me stay budgeted.
Twelve ways to save money at restaurants
You can get a discount at just about any restaurant simply by sharing a dish with the person you are with. This includes very expensive restaurants. Don’t be embarrassed, just say you can’t eat an entire dinner yourself. Portions are generally too large anyway. (A few places may charge a token fee for splitting a meal, but most don’t.) A helpful waiter will bring a separate dish for your companion and make sure that both of you have plenty of bread. Leave a generous tip.