Category Archives: Money Saving Tips and Tricks

Do the math on Gap insurance.  Its a common scenario. You’ve spent all day looking at cars and haggling over price, payments, and options.  You have finally reached an agreement and are moved from the salesperson to the finance guy.  You are tired. Your kids are grumpy. You are hungry.  But you need to WAKE UP. …

Do the math on warranties. Add up the money for all the warranties you are offered – on your automobiles, home, television, video game systems, cell phones, other electronics, refrigerator, oven, couches, washer, dryer, etc.  Is it more or less then what you would pay out of pocket if one or two of those items…

Credit unions and other banks both have their pros and cons. Pros – Credit Unions Credit unions are not for profit and work more in the interest of their members than the other banks.  In credit unions, the goal is to return more profits to account holders, whom are also the shareholders, whereas with other banks…

Some banks will give you cash back for using a debit card, most likely because they profit more when you choose debit instead of credit at the register.  As of this writing, Randolph Brooks Federal Credit Union, or RBFCU, gives you ten cents per purchase when you choose debit at the register for legitimate transactions…

Buying in bulk is not always cheaper!  Do the math. Compare the amounts you are paying per item.  Walmart and many other grocers do the math for you with most of their products.  The shelf labels says the full price of the product and then in the corner the label shows the price per ounce…

I once overheard someone say, “The biggest income increase you will ever see is when your children leave home.” If you want to save a lot of money, don’t have babies! But if you do end up having some babies, get a Sam’s Club or Costco membership and purchase their versions of baby formula and diapers.  The…

There are many freeware versions of popular software. Google docs is free, Microsoft Office costs money.  If you want to own Office, you will have to buy an older version off Amazon because the current version is only available for rent with a monthly fee. Gimp is free, Adobe Photoshop costs money. If you want…

Be careful, an at home or party at the park can add up to the same price as an event center party after you buy all the supplies and decor. If you do pay for a party at an event center, be wary, sometimes the package prices save the company more money than they save…

Refrigerators, vacuum cleaners, dishwashers, stoves, washers and dryers are important modern day appliances. They are also very expensive. Many of us don’t have 1200 dollars to drop on a fridge when it goes kaput. Luckily, Best buy, Home Depot, and Lowe’s offers long interest free payments if your credit is good enough. The plans usually…

Learn how to follow a budget early in life. Your budget must include a reasonable allowance for you and your spouse. At a minimum, this allowance should give you enough money to drive to work every day. Preferably, it will give you more than that. Each paycheck, pay your spouse and yourself an equal allowance…