Thriftiness and Money Matters Tips
Read these 5 Thriftiness and Money Matters Tips tips to make your life smarter, better, faster and wiser. Each tip is approved by our Editors and created by expert writers so great we call them Gurus. LifeTips is the place to go when you need to know about Single Women tips and hundreds of other topics.
Savings
Want a down payment for a new car, or to take that trip to Paris but don´t have the cash? Start saving right now. Today. Figure out what 10% of your net salary is (remember, net is what you see on your check!)and sock it away in your savings. Do it every time you get paid. Or, set up a payroll deduction to make sure that it´s going straight to a credit union account. This is separate and in addition to any 401K accounts! This 10% is your money for special projects or emergencies so you don´t have to rely on credit cards or loans for the things you know you want! Don´t pay THE MAN, pay yourself FIRST!
Car Price Negotiation
Don´t you just hate all that haggling over the price of a new car...the negotiation is almost as bad as forking out the cash! Well, my sisters, if this is the game, then learn the rules and play to win! For just $12 Consumer Reports will give you the invoice cost of that new car you´ve been eyeing. An additional $10 will get you the value of your trade in car. Always negotiate from the invoice cost, never the sticker price. Call 1-800-933-555 for details. Most car buyers save an average of $1,600 by using this information!
Car Insurance Rates
Insurance rates vary from company to company and shopping around could help you substantially reduce your rate, even if your driving record isn´t spotless! Call several insurance companies, or log into a free quote service called Quicken, www.insuremarket.com and compare quotes. It could mean saving several hundred dollars each year. Definitely worth a few minutes of your time!
Renters Insurance
You work hard for your possessions, so make sure
that you have insurance coverage even if you rent!
Most landlord's insurance policies won't cover your
personal property in case of fire, theft, or other
losses. Check out your insurance coverage, and
make sure you have adequate coverage to replace
your furniture, stereo, TV, and other belongings.
You're providing yourself with security and peace of
mind...sounds like a bargain!
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| Christina Chan |
