Seasonal Overhaul

Summer hasn’t officially started, but if you are serious about saving money this season, then now is the perfect time to get in gear. Once you are done switching out your winter clothes for summer attire and getting your grill and patio furniture cleaned up for backyard barbeques, take some time to do a home energy audit. Experts recommend completing one at the start of the summer season in order to save hundreds or thousands of dollars on energy deficiencies. Many homeowners shy away from the process because a formal audit by a trained professional costs a few hundred dollars … Continue reading →

Tips For Saving On Homeowners Insurance

Saving money is always a good thing. Sometimes, it can pay to reassess how we pay for things that we have been using for a few years. For example, when was the last time you shopped around for homeowner’s insurance or made any changes to your policy? Here are a few tips for saving money on your homeowner’s policy without leaving yourself open to the risk that your coverage will not adequately protect you from the financial effects of loss of or damage to your home. First, it is important to determine the correct amount of coverage. You certainly want … Continue reading →

Simple Ways to Save This Summer

Be happy with what you have. That’s one of the best ways to save money, according to my dad. He used to employ that line a lot when I was in high school trying to pump him for money to buy designer jeans. Twenty years later, I see his point. When you stop looking for fulfillment in material things, it’s much easier to spend less money and find contentment in the items you already have. Of course, if you just lost 20 pounds and your pants don’t fit any more, then by all means, spend, spend, spend. Now that summer … Continue reading →

Avoiding Money Traps

I’m addicted to these things, but at nearly $10 per box, I can’t afford to purchase them on a regular basis. Not just because they put a strain on my grocery bill, but if I ate as many as I wanted, I’d have to shell out additional money to purchase new pants. Mini donuts = money trap… but a dang fine tasting money trap. Thinking before you buy an item is a sure-fire way to avoid money traps. Exercise conscious spending. Before you fill fridge with cinnamon goodness or your den with pricey electronics or your kid’s room with a … Continue reading →

Long-Term Savings

Giving up your Starbucks fix for a couple of days at a time or cutting coupons every once in a while can help you save a few bucks, but if you are looking to save cash long-term, you need to modify your lifestyle. The following are changes that can be made over time to significantly reduce the amount of money that is extracted from your household budget each year: Energy efficiency: You can save significant amount money by being energy efficient at home. Switch to energy-efficient appliances and lighting. In addition, make sure your home is properly insulated and that … Continue reading →

More Stress-Free Savings

Not for nothing, but I just can’t see making my own laundry detergent for the rest of my life, regardless of how much money it could potentially save me. This is not to say that I look down on those who do. In fact, I admire individuals who possess the wherewithal to combine different ingredients and magically mix-up a concoction that actually gets clothes clean. What’s more, I am not above finding alternative ways to sanitize my home without breaking the bank. For example, rather than use Clorox to disinfect my kitchen sink and counters, I use vinegar, water and … Continue reading →

Stress-Free Savings

There isn’t a soul out there who doesn’t relish saving cash. However, many people don’t take advantage of money-saving opportunities because they feel it takes up too much time or energy. For example, my dad refuses to cut coupons as he feels it is a waste of his precious time. What he doesn’t realize is that he could potentially save hundreds of dollars per month by simply sitting in his recliner and working a pair of scissors for a few minutes each week. If coupon cutting or rebate programs are not your cup of tea, then consider modifying your lifestyle … Continue reading →

Look Good On Any Budget

I love clothes. However, my wardrobe has been looking rather shabby and not at all chic for quite some time. The reason? I have not had much time or money available for clothes shopping over the past couple of years. This afternoon while I was looking through my drawers for something to wear, I realized that there are probably ways that I can freshen up my wardrobe even with a very limited budget. Sure enough, there are tons of tips online for how you can look great for less. Here are a few that I intend to try. If you … Continue reading →

Improving Your Personal Financial Future

A recent poll shows that most Americans have been shaken by the recession and are no longer optimistic about the economy improving any time soon. In addition, researchers found that many people, especially women are fearful about their personal financial future. In many cases, women admitted to saving less for retirement because they are “just getting by” or are desperately trying to pay off current debts, including school loans. The poll’s results have many financial experts concerned that individuals are not building a large enough retirement nest egg. This is especially true for the female respondents who stand to suffer … Continue reading →

Is That Good Deal Really Good?

The other day as I was at the grocery store, I was inspired to write this post by some coffee that was on sale. Our family’s grocery budget is rather tight but we do splurge on certain things, like high quality coffee for my husband’s morning cup. Our favorite brand, Green Mountain Coffee, was on sale for $6.00 per bag instead of its usual $8.50. That is quite a savings. As I picked up two bags of the coffee and placed them in the grocery cart, I remembered that coffee was not on my grocery list. I had bought two … Continue reading →