Renting vs. Buying

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Is your child the next Beethoven? Or child prodigy?  Before buying that brand new instrument, check out the cost of renting vs. buying.

Insurance Inventory

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Have you completed an insurance inventory lately?  Have you asked about discounts related to smoke detectors, burglar alarms with city permits, fire extinguishers in the home or deadbolt locks?  Even 5% discount would add up.

Holiday Gift Planning

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Do you hear it? The holidays are fast approaching. Fall candy will be on the shelves soon. Now is the time to start planning and making your list and checking it twice. Make a list of people you plan to give gifts to, amount of money you want to spend and begin going through catalogs, shopping online and watching for sales throughout the season.

Design on a Dime

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Have a young person moving out, whether it be on their own or off to college, that needs kitchen or dining room chairs? (or table?)  buy mismatched used chairs and paint all one color to provide a unified look.

Save That Leaky Garden Hose!

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Save that leaky garden hose!  Punch holes in it and use it as a drip hose to water your plants, lawn or foundation.  Sprinklers will require 50-60% more water than a drip hose because of the loss of water to sun and wind as the spray goes into the air.

Use Dryer Sheets as Deordorizers

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Try using a dryer sheet as an inexpensive way to deodorize your shoes, hampers, closets, car and gym bags.

Non-Brand Products

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Yes, it is good to buy non-brand name items, however, if the generic product does not satisfy you, discontinue buying the inferior product because throwing it away is costing you money.

Track Your Expenses

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For three or four months, keep track of where your money has been going.  Look at the categories that cost you the most, typically groceries, entertainment, eating out and clothing.  How can you do some things differently to cut 5-10% from those categories if you want to save money?

Always Check Your Receipts

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Always check your receipts or watch the register when you are shopping. Mistakes like over or undercharging can happen as often as one in every eight orders. Most stores will honor a sale sign even if it was their own mistake.

Money Saving Tips for Car Purchasing

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Haven’t saved for a down payment for a car and you need to purchase one right away, or not enough time to save additional money? Here are a couple of tips: know how much is reasonable for you to pay for a car and STICK to it; already have the features that are important to you selected; check your FICO score, the lower the number the higher the interest rate could be; call six different lenders, including your bank or credit union. Get a pre-approved loan, dealers will… Read More →