Smart Ways to Save Money

Even though the Great Recession of 2008 is behind us, many people still feel the pinch of shrinking incomes and rising expenses. How many ways can you save money? Here are a few suggestions that nearly everyone can consider.

Bundle Your Insurance Options

Even young people can bundle their insurance plans. Try to use just one agent or insurance company to buy your life insurance, homeowner/renter insurance, car/boat/motorcycle insurance, and more. The insurance agencies often lower the premiums as you add more policies to your account.

Buy Certified Used Cars

Everyone knows that new automobiles lose value as soon as you drive them off the lot. You can often buy certified used vehicles that have been retired from rental fleets for considerably less than new prices. These vehicles are often only 1 year old and may come with manufacturer extended warranties. Check out the major certified used car dealers in your area 2-3 months before you're ready to buy your next car. You can still drive a late-model vehicle that is in great condition for a lot less than full retail price.

Buy Furniture at High-volume Stores

You can often find great deals at local furniture warehouse showrooms that specialise in moving a lot of furniture every month. These companies cannot afford to keep older furniture on their floors so they are constantly discounting items for clearance. Some companies will help you finance clearance furniture if you buy $1000.00 or more in merchandise. Don't be shy about asking the salespeople what their current deals and financing options may be. Companies that advertise help with poor or bad credit may also be good places to look for clearance furniture. You really don't want to pay full price for furniture anyway.

Get Your Hair Done At A Beauty School

Whether you just want a haircut or a perm, your local beauty school may offer better prices than you'll find at all the major hair styling chains. You can get good work from the senior students and the professional instructors are usually there ready to help out. You may get a slightly lower quality hair style from time to time but there is also the chance that a master hair technician will do your work.

Rent Unrenovated Apartments

If the rents are rising each year in your area then one way to stay ahead of rising costs is to look for rental units that have not yet been upgraded. Once an apartment company upgrades a unit (usually replacing floors, fixtures, carpets, and appliances) they add anywhere from $100 to $400 to the monthly rent (depending on your area and the quality of the apartment). High-demand apartment communities may not have many openings at any given time so ask your friends to help you find good apartments that haven't yet been renovated but which are still clean, in good condition, and low cost.

Swap Clearance Items With Friends

No one can get to all the clearance sales before the best merchandise has sold out. If you have a few friends who are interested in saving money on clearance merchandise, set up a schedule with them so that you all buy large quantities of good merchandise and then exchange or pay each other after the sales are finished. This way you don't have to travel all over town looking for good deals after other people have already found them.

Use Gasbuddy.com to Find Low Gas Prices

If you drive a vehicle you probably just buy gas at the nearest convenient store. Check out the prices that consumers in your area are reporting through the Websites listed at Gasbuddy.com. They may help you save 10-15 cents per gallon, and that adds up over a year.

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