Free Quick and Easy Money Saving Tips – Part 2

Written by Tim Gorman


Although many consumers would argue differently saving money doesn’t have to be difficult. In fact by making just a few changes in your normal lifestyle you can find ways to free up extra cash that can be put to better use in a savings account or an investment account. Finding ways to save an additional 5 dollars a day can lead to a more secure financial future inrepparttar long run. I have compiled some tips that you can use in order to find those extra dollars. Tip Number 1 - Are you a daily coffee drinker or a heavy smoker? The simple act of eliminating one cup of coffee a day or reducingrepparttar 144669 amount of cigarettes you smoke (quitting entirely would be better) can free up a small amount of money daily that when added up equals a large amount atrepparttar 144670 end ofrepparttar 144671 year. Tip Number 2 – Try to avoid shopping at convenience stores. The prices they charge are outrageous when compared to lower priced food stores or super markets. It’s a proven fact that you will spend less on food if you shop with a list, take advantage of sales, and purchase basic ingredients, rather than pre-packaged components or ready-made items. Takerepparttar 144672 time to clip coupons for items that you buy on a regular basis however avoid purchasing impulse items if you don’t normally use them just because you have a coupon. If you takerepparttar 144673 time to comparerepparttar 144674 fine print you’ll see that you can save hundreds of dollars a year by comparing price-per-ounce or other unit prices on shelf labels. Tip Number 3 – When it comes to purchasing overrepparttar 144675 counter medicine brand name drugs are usually much more expensive than their generic equivalents, ask your physician and pharmacist if a less expensive generic or an overrepparttar 144676 counter alternative is available. Purchasingrepparttar 144677 equivalent generic drug can save hundreds of dollars through outrepparttar 144678 entire year. Withrepparttar 144679 emergence of online pharmaciesrepparttar 144680 opportunity to save even more money on medicine is significant. Takerepparttar 144681 time to search online forrepparttar 144682 best deals.

How Is Your Auto Insurance Policy Price Determined?

Written by Tim Gorman


The average auto insurance policy price is derived from a variety of factors. Many of these variables are common knowledge and make sense forrepparttar most part but it’s always a good idea to refresh yourself with what insurance companies are looking for when determining how much your coverage will cost.

Driving Record – Your auto insurance policy price is determined from 6 major areas. The first is your driving record. The key thing to remember isrepparttar 144668 better your driving recordrepparttar 144669 lower your total cost to insure your automobile. This would include auto accidents, speeding tickets and believe it or not if you’ve gone without insurance for several years. The good thing is that you can directly control many of these factors. Concentrate on keeping a clean driving record and this area shouldn’t cause your rates to be outrageous.

Coverage Amount – Do a self check sometime and call your insurance company up to see what impact raising and lowering your deductibles and coverage amount has onrepparttar 144670 price of your insurance. Raising a deductible lowers your monthly payment. Increasingrepparttar 144671 deductible hasrepparttar 144672 opposite effect. The same goes forrepparttar 144673 actual coverage amounts.

Age – Case studious have proven that younger drivers are involved in more accidents then older drivers. This potential to be involved in a collision is a result of inexperience behindrepparttar 144674 wheel of an automobile. Generally speaking most insurance companies charge more for individuals underrepparttar 144675 age of 25.

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