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 →

Date Night Savings

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Is it date night?  A way to balance your evening out is spend more on one part of the date and economize on the other, for example, front row theater or concert tickets?  Eat at home first or use coupons at a restaurant or go out for dessert after the show.

Have You Checked the Air in Your Tires Lately?

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Have you checked the air in your tires lately?  Best time to check the air in your tires is when they are cold, either before you drive or after the car has been stopped for 30 minutes.  For every 3psi (pounds per square inch) your tires are under inflated they use 3% more fuel and increase the tire wear by 45%.

How Did You Spend Your Money This Month?

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What’s one thing you’ve done with your money this month that brought you joy?  What’s one thing you spent money on this month that wasn’t worth it?  How could you avoid a similar expenditure next month?

Check on Your Insurance Discounts

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Time to do a check on your insurance discounts, which could mean huge savings for  you and your family.  Check your insurance for discounts:  had no at-fault accidents or moving violations in the past 3-5 years; drive less than 7,500 miles a year; take a defensive driving course if you’re 55+ or a driver’s education class if you’re under 25; use the same insurer to insure your car, home, boat, motorcycle, life, etc.

Weigh Prepackaged Fruits & Veggies

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When you are purchasing prepackaged fruits and veggies, weigh them to be sure that you are getting the most for your money.  Often when all the packages are priced for one pound or one quart, the actual quantity differs.

Avoid Mixing Household Chemicals

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Avoid mixing household chemicals, especially ammonia and bleach.  An unsafe gas could cause you or the person mixing the products together to become ill.

Chemical Storage and Disposal

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Always store chemicals in a safe place, out of the reach of children and dispose of them properly if not using that product.  Contact your city to find out if they have a special disposal program. Pouring them into our drinking water system is not safe for anyone.