Tag Archives: saving

Hair Raising Heating Bill? Here’s How You Can Stay Warm For Less!

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Hair Raising Heating Bill? Here’s How You Can Stay Warm For Less!

The months between Christmas and spring are pretty miserable – it’s wet, it’s dark, and it’s absolutely freezing. As well as feeling the pinch from Christmas, many of us will also receive a hair raising gas bill in January, too, where we’ve cranked up the heating in a bid to stay warm. However, it doesn’t have to be this way, and if you’re fed up with forking out huge amounts of money to your energy suppliers every winter, there are ways that you can cut costs.

Before we take a look at some pro tips, remember to get your heating system checked by a professional first. A malfunctioning system could be what is increasing your bill. Schedule an appointment with a Greensboro heating and air contractor or a well referenced professional in your area. Now, let’s get to it:

Set Your Heating on a Timer:

Instead of letting your heating run all day, it’s far more energy efficient (and cheaper for you) to put it on a timer. Set it to come on for an hour in the morning as you’re getting ready for work and a couple of hours in the evening. It has been suggested that leaving your heating on low all day is cheaper than having it come on and off but this is a myth. This is especially true when you consider that if your system is in need of a service it may not be entirely accurate on it’s output. Using a timer system is a great way to ensure that you don’t bake the house in heat all day, it is important however to ensure that your timing systems work properly in conjunction with your heating system so that you don’t come home to a cold house! Using a reputable servicer such as Snows Fuel Co. or another in your area will ensure that your system works as intended to give you a comfortable temperature to return home to all year round.

These days you can get smart home devices that link with your heating and give you full control over it. It makes it easy to set it to come on when you want and gives you the flexibility to do it from an app – you don’t even need to be in the house. Imagine you’ve been out on a long hike in the cold, for example, and want the house toasty and warm for when you get in. If you know it’s not during your set heating hours, you could put it to come on when you’re on the way home so the temperature is perfect when you arrive back! Either way, it’s useful to have control over your heating like this, and keeping the times you use it to a minimum will save you money.

Get a Wood Burning Fire:

A wood burning fire is an awesome, rustic looking addition to any living room – plus it can save you money, too. If you chop your own firewood or stock up on hardwood logs for use on stoves when they’re on sale, you will have plenty of kindling to get you through the coldest months. Just be sure that your fireplace and chimney is kept clear to avoid dangerous accidents. If you’re not sure how to go about this, just call in a company like Capitol Chimney. Using a wood burning fire like this can keep your whole living room warm and prevents you from having to heat the entire house, which is pointless when all of the family is gathered together in one room.

Wrap Up Warm:

During the evenings when you’re lounging around, instead of blasting the heating on the highest setting, why not put it on low and wrap up warm, instead? You can buy cozy throws for your sofa on places like eBay, Amazon, or any home-ware shop. Load it up with cushions and then invest in some fleecy warm pajamas and slippers and you can stay comfy and cozy during the evenings without having to spend a lot of money. Even during the day, popping on a jumper or a dressing gown means that you don’t have to have the heating up, and you might be able to leave it off altogether. Keep your cozy home furnishings in good condition and they’ll last you year after year.

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Fluffy bathrobe, anyone?

Buy Essentials to Keep Your Home Warm:

Thick, lined curtains will help to keep out drafts – while they might cost a bit up front they will last for many years and can help you keep your heating bill down. Draft excluders and radiator reflectors are cheap and cheerful, and will keep the cold out and maximize the heat when the heating is on. Soft, plush rugs, carpets, and throw blankets can help trap heat too. It might also be smart to get a few extra bottles of propane from Gibson Oil & Gas or a similar company in your area. You never know when you might need it!

Finally, if you move big items of furniture like sofas or wardrobes away from radiators, this will also allow the heat to circulate better and allows you to make the most of the money you’re spending on the gas bill!

Being mindful of the heating you use can go a long way. Don’t just turn up the dial whenever you feel a little chilly! It’s not to say that you should sit at home shivering, wrapped up in every jumper you own, but there is a happy medium to be found. Keeping your heating low or not using it unless it gets very cold is good for both the environment as well as your bank balance.

And of course, your heating isn’t the only bill you need to keep an eye on – there are plenty of things you have to pay for around the home to make it a comfortable, safe place to live, so maybe it’s time to check on all your outgoings, and shop around to see if there’s a better deal out there – American Water could be a good place to start because you never know what savings you might make.

Featured Image By: Pexels

When Eclectic = Frugal

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When Eclectic = Frugal

Having an eclectic taste has been a fashionable choice for a while. It means that you don’t just go into one store, buy everything there, and have a perfectly matching house and wardrobe. Instead, you have found things that really speak to your personality and created an interior with a most interesting dynamic.

But sometimes, what eclectic means is frugal.

You didn’t shop at just one store because you know where the better deals lie. You are willing to trawl through flea markets to find a vintage sofa half price and you know that inheriting things from your parents and grandparents is the best way to fill any home.

Need a bit of help to get started? Here’s what you do:

Set A Budget & Save:

When you’re trying to get along on very little money, setting budgets for yourself is the best way to manage your finances. Not only will you see just how hard you have to work for each thing, you will also be able to set a realistic time frame to get what you want. If you can take on odd jobs here and there or find ways to make extra income, you will certainly benefit and get your want list faster.

Make a list of all of the things that you need and want in your house. This should include everything from the necessaries like a sofa to the more decorative, like mirrors or cool TV stands. Put a rough estimate on how much you would like to spend on each thing, then put them in order of priority. So, if you have nothing to sit on, the sofa will come at the top, if you already have a sofa that will do, it goes at the bottom. Now you can see how much you need to earn and save and can gradually tick things off of the list.

Make Do & Mend:

To bring the price of your list down, you should look for opportunities to make do with the things you have. Mending a sofa could be cheaper than buying a new one, so have a look at what you’ve got and see what you can do with it. This attitude is also really helpful in charity shops and flea markets that sell second hand furniture. If you think that something is salvageable, you could get a really good bargain on it. When you are in the habit of making the most of what you’ve got, buying new just won’t have the same charm.

Upcycling AKA Recycling:

Staying on the sofa theme, upcycling is often a really good way to make something old and worn new and beautiful. At the very heart of the eclectic style is the idea that you can reupholster any classic sofa in a vibrant modern fabric and achieve a completely new and beautiful look.

You should also be on the lookout for things that you can use in other ways, too. You would be surprised at the things you can make use of to great effect. Have you ever thought of using colanders as a set of bath shelves? No? Here’s how you can make that happen!

Eclectic is cool and is a great way to ball on a budget. Let your personal style shine through with quirky choices and turn your home into a charming space in no time.

Featured Image By: Flickr

Bigger Home, Smaller Spend: Expand Your Property For Less

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Bigger Home, Smaller Spend: Expand Your Property For Less

It’s pretty common to start wishing that your home had more space. Your family might start to grow or maybe you even pick up a hobby that starts to take over your home. Moving is one option, but you can also consider trying to work with what you’ve got. Perhaps you have some land, even if only a small amount around your house, that seems to be going to waste. Or you might already have indoor space that you might be able to put to better use by converting it. Expanding your home can be expensive, though. If you want to do it, it’s a good idea to find ways to do it for less. Take a look:

Convert An Existing Space:

By far the easiest way of getting more space in your home is to convert a space that you already have. While it’s not technically expanding your home, you can create more liveable space where it wasn’t before. For example, your attic, basement, or garage might currently be a storage space. A smart conversion could turn it into anything you want, from a spare bedroom to a workshop, a home theater, a bar, or a games room. Before you start decorating and bringing in furniture, you might need to think about some more basic things, such as insulation and plumbing.

If your home cannot afford to lose any of its existing rooms, then that is when you would want to think about an expansion. This could be as simple as adding a sunroom to give an extra space to chill out in. If you want to go the expansion route, enter a search for “Construction company in Asheville, NC” (or your local area) to begin researching professionals and getting quotes.

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#menatwork

Alternative Building Materials:

If you’ve decided that you want to build something, possibly separate from your existing property, things are likely to get more expensive. One of the ways that you can think about keeping costs down is by selecting the right building materials. You don’t need to construct a new building out of brick. Steel is a cheap option that can work for several purposes. Perhaps you want space for a workshop, a garage, or storage space. You can easily find out how to put up a steel building so you can ensure that your project goes smoothly. Steel buildings are becoming increasingly popular for their durability and cost effectiveness. The ease of assembly for barndominium kits makes it a huge game changer for those considering a steel option. Another material to consider could be wood or, perhaps, you might think about using concrete. Both materials are good options.

When you consult with a construction team like IMI (or a similar company in your local area), it is important to have a firm budget established as well as some extra wiggle room. With your budget in mind, they will be able to recommend the materials for your project to keep you in a range that you are comfortable with while ensuring a successful end result.

Use a Pre-Fab Design:

A pre-engineered design is a great way to save money on expanding your home. If you want to add a separate addition or even a cozy cabin to your property, prefab buildings make a lot of sense. Sometimes they can be built off-site and lifted in or you can bring in the different parts and put them together when they arrive. They make construction quicker, easier, and cheaper.

With the costs you cut by using prefab buildings, you have more wiggle room with the rest of your budget. These savings can be used for skid steer rentals to work around your property, new furniture, or additional helpers. Extra room in your budget will also be helpful in putting your own unique touches on a pre-designed unit.

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#menatworkAGAIN

Save On Construction:

You might also like to think about how you could save money on construction. It’s not just the materials and planning that can cost a lot of money. Some people like to try and save on construction by doing some of the work themselves or taking on the role of project manager. However, these are both difficult things to do if you don’t have any experience. You can also make sure to get quotes from different contractors to find the best price before saying yes to anything.

If you are taking a more active role in this project, you must be aware of your limits. If you do not have the proper skill set, you could get injured or make costly mistakes. This also includes being aware of things you aren’t comfortable with completing. For example, looking into a scaffolding rental service in Dallas, TX (or your local area) might not be the best option for your DIY if you are afraid of heights. Be sure you are budgeting accordingly so you can hire the help that you need.

If you want to add space to your home, it could be more affordable than you think. Consider your options before you make any decisions!

Featured Image By: Wikimedia

Monday Update: TJMaxx Haul Edition

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Monday Update: TJMaxx Haul Edition

Hi everyone and happy Monday!! I hope that everyone had a super fun and fabulous weekend! So these past few days, I was a little naughty and went way too hard at TJMaxx. As you guys know, that store is my number one fave. It seems like I never fail to find something that I love there. Whether it be new shoes, beauty products, clothes, or purses, TJ’s always treats me just right! This week, we’ll take an in depth look at my haul (Because, believe me, there’s a lot!) starting with this sassy little skirt that I got for a whole EIGHT DOLLARS. Check it out:

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This fun jean skirt is Buffalo by David Bitton brand and the original price tag had it marked at seventy dollars. And once again, I GOT IT FOR EIGHT! I’ve been on the hunt for a cute jean dress or skirt for a while now but have never found anything that spoke to me on a spiritual level. This skirt is flattering, flirty, and totally fabulous and my only regret is that I didn’t find it sooner.

I love that this dark denim skirt features a zipper down the front instead of the normal buttons that have been littering the stores lately. The fit and flare shape is just right in providing a curve hugging silhouette while still offering a light touch of girly sweetness from the flared bottom. The golden stitching throughout the skirt also adds some extra pizzazz, which makes this little number feel fresh out of the 70’s. Freaking obsessed.

There is nothing better than purchasing a darling new piece to add to your wardrobe for under ten dollars. And knowing that I saved sixty-two smackers on this skirt makes the find even sweeter. I can’t wait to pair this high waisted number with crop tops, tucked in button downs, and a jean jacket for a sassy update on the Denim Tuxedo. And, of course, platform heels with this retro baby is a must!

So there you have it, this week’s Monday Update: TJMaxx Haul Edition! Spend your week here at lifewithlilred while I talk beauty and fashion compliments of my favorite store! Who else is totally TJ’s obsessed? What is your favorite store to shop at? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Lauren Conrad Ballin On A Budget Buy

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Lauren Conrad Ballin On A Budget Buy

Helloooo everyone and happy Sunday! Okay, so yesterday I got the prettiest shirt in the history of ever and the best part (other than it being gorgeous) is that I got it for: FIVE DOLLA HOLLA. My mom and I went to Kohl’s last night to get our shop on because we had coupons for days and wanted to make good use of them. It was difficult to tear myself away from binging on Orange Is The New Black, but this shirt was well worth it. Take a look and let’s discuss:

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If there’s one thing that Lil Red loves, it’s romantic, dreamy clothing. Which is kind of ironic considering that black is my favorite color and I prefer to dress in punk/grunge fashion. But, alas, the heart wants what it wants. Lol, seriously though, I love the contrast that flowy, girly style clothes has with my punk rock princess appearance thanks to my piercings, tattoos, and bright hair. It’s not often that I find a beautiful dreamer piece of clothing that I totally swoon over, but it’s pretty magical when I do!

This Lauren Conrad top combined all things fairy princess into one cohesive look. The creamy color, gauzy material, draped sleeves, flowy shape, and embroidery in one magnificent top is something straight out of the fairy tales and I am obsessed. My mom and I joked that this pretty little number looks like the modern day Puffy Shirt a la Seinfeld and I actually think this makes me love it more considering that’s my favorite show.

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^^^ Me.

Describing this shirt is weird because it’s one of those pieces that actually makes me feel pretty. Don’t get me wrong, lol I always think I look fabulous in the edgy, confident, badass way but I don’t have a lot of clothes that make me feel boho princess worthy. And the fact that I scored this wonder top for a whole five dollars? GET OUT!

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^^^ Elaine is my spirit animal. ❤

I can’t wait to wear this LC number throughout the summer with black short shorts and a peekaboo black lacy bra underneath to add that necessary touch of badassery to the look. A killer pair of platforms or wedges are also a must to toughen up the ensemble and make it feel a bit more Sarah. And as it gets colder? Swap the shorties for skinnies and you’re off!

So there you have it, my Lauren Conrad Ballin On A Budget Buy! How would you describe your personal style? How do you score the best deals while out shopping? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Money Management For Summer Fun

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Money Management For Summer Fun

The summer season is unquestionably the greatest time of the year. It offers the opportunity for non-stop fun through a wide array of activities. Sadly, though, those ventures can hit your wallet hard. So, needless to say, finding the right balance between amazing summer adventures and not breaking the bank is essential.

Summer is the perfect time to start generating savings at home because with vacas and day trips, you won’t be there as often. However, you will still be there sometimes, which is why you need to have some entertainment features on hand. You could probably cut down your TV package without noticing the difference, I’m sure there’s countless channels that go unused! Try downloading the Cinemabox movie app for access to the latest films and shows. Not only does it save money, but it also gives you the option to watch from the back yard hammock or on the move.

Speaking of the back yard, that could be one of your greatest assets throughout this part of the year, too. Nothing beats relaxing on the patio with rattan furniture. Whether it’s a relaxed evening with a book or spending family time together in the evening doesn’t matter. Those joys are better than anything offered during the colder months. Best of all, enjoying the garden is virtually free. Your lush back yard could even become your new place for social activities. Invite friends over for a summer BBQ or garden party, and it’ll be far cheaper than heading out to the local bar. And, let’s be honest, this option sounds like a lot more fun!

There are many other ways to save money at home during the summer. This is the ideal opportunity to complete various home upgrade tasks for long-term rewards. Increasing the home insulation will work wonders that will truly pay dividends in the winter. Meanwhile, looking for cheaper energy quotes can help decrease the bills even further. Growing food and generally living a greener life should bring ample rewards, too. Of course, it might be a bit late in the year to start with certain fruits and veggies. But that’s okay! Do your research and learn what types of produce grow best for this time of year and in your area and you’ll be well on your way to delicious summer salads in no time!

You will still inevitably go out on various occasions – it is summer, after all. The key is to make smarter choices. Leave the expensive internal activities for the autumn through spring. The summer months should be filled with hikes, sports, and exploration. I’m sure we’ll all be longing for those opportunities once the weather gets worse.

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Pretty!

Vacations are another crucial part of the summer. Most families have their big trip of the year during this time. Be sure to follow these ideas for a non-budget breaking holiday so that you can score the best deals during your big vaca. Money shouldn’t dictate every decision that you make in life. But maintaining a greater sense of control over your finances will enhance the summer and the rest of your year. If you can generate those savings without sacrificing your enjoyment, then you’re in for a fabulous summer, for sure!

Featured Image By: Pixabay

Summer Travels On A Budget

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Summer Travels On A Budget

Hello everyone and welcome to my darling friend, Amy’s, post for my Salute To Summer guest bloggers series. Amy is the author of the blog, An Ambivert Lifestyle, and it is AMAZING so definitely take a look and give it all the love. As you guys know, my life motto is “ballin on a budget” so, naturally, Amy’s post about embracing a travel lifestyle while being smart with your cash speaks to me on a spiritual level. Take a look at Amy’s how to guide on how to make the most of your moolah on your summer vaca:

Summer Travels On A Budget

Traveling isn’t an easy task. Planning and preparing for the trip is one of the most stressful things that you can do to yourself. From working more hours and skipping nights out to save up to unexpected costs before your trip also contributes to this stress. Personally, as a full-time student and a full-time employee, it is extremely hard, but I have a few tricks up my sleeve to traveling on a budget and finding great deals. Being a college student and a frugal spender, I like to explore deals on flights on the internet, books, personal experience, and word of mouth.

Finding Deals on Flights

  • Student Universe – This company provides less expensive flights for students. They work with 80+ airlines to get cheaper flights listed than anywhere else. This site is truly magical. Not only do they provide deals on flights, but they also offer deals on tours, hotels, and group travel. For members, they provide even more deals for special rates.
  • Private Browsing – This is super important! Whenever you are searching for flights, go on “Private Browsing” on whatever internet browser you use. Airline companies pay big money to know what consumers are searching, so if you visited a certain flight over and over again, they increase prices so you can buy faster.
  • Skyscanner – This helps you scan flights of your choosing through all the different airline companies. You can also see prices on different dates, as well, for convenience.
  • Booking flights on Wednesdays! – This is such an easy trick. Almost all of the time, flights will be consistently lower than the rest of the weekdays since they consider this day to have the most amount of seats available, so prices are lowered to fill the planes.
  • Check social medias and your email! – Usually, airline companies will email deals and promo codes for flights for a period of time. These have saved my bacon many times.
  • Get a refund! – No, really! If you purchased a ticket and the fare has dropped since you bought it, call/email them to ask for a refund for the difference. It may not always work, but the fact that it has worked with certain airline companies is amazing! Websites such as Yapta and Orbitz track your purchased flights and let you know. Easy.
  • Champ through several stop flights – It isn’t easy and most of the time it isn’t fun. The majority of the time these stops are red eyes. It sucks, but being able to spend a couple hundred dollars to be able to buy that souvenir for you girlfriend’s cousin’s mom is worth it. Just make sure you pack a couple of books to beat boredom or play online games while you wait. If you are a fan of casino style games, look into some blackout bingo reviews because it’s a fun game to pass the time with.
  • Airfare Errors – This is your best friend. Websites such as AirFare Watchdog and Secret Flying can be used to allow you to beat the system and stalk for mistake fares.

While Traveling Do’s

  • Research ahead of time – If you travel to a foreign land, it’s best that you research where you want to go first instead of winging it. I have spent so much more money than expected when I have winged it.
  • Look up places that do not charge admission – You’d be surprised at how many museums do not charge admission fees throughout the world. I always do this when I go on vacations because it gives you something to do that’s fun, while keeping money in your pocket.
  • Foreign Exchange at your bank – Some people don’t know this but some banks will actually let you exchange currencies right there. Sometimes the rates are cheaper than when you’re traveling and it’s convenient to have the currency of the destination before you even get off of the plane.
  • Carry cash & don’t use your card – Having a fixed amount of cash on you helps BIG time with budgeting on a day-by-day vacation. It helps you not over spend and prevents binging on those miniature Eiffel Towers or flower shaped gelato. Plus, if you use your card, chances are that your bank will charge you an international fee.

Places to Stay Without Breaking the Bank

  • Air BnB – This is already a given, but I love them so much that I had to put them on this list.
  • Hostel World – Hostels are the cheapest way to travel. You get to meet different people traveling that will probably become your international long term friend. Hostel World allows you to look up every single hostel in the area that you’re traveling to. You get to compare between different hostels, prices for a private room and dorms, and amenities. They have a Best Price Guarantee as well, so they will provide the cheapest rates for every hostel.
  • Home To Go – Not too many people know about this page. It’s a very user friendly site where you get to look up Bed and Breakfast type places. They provide last minute deals and discounts up to 75% off for their members for certain places.
  • Tripping – This is a sight that lets you look up vacation rentals, hostels, rooms for rent per night, hotels, etc. Similar to Air Bnb.

Extras

  • Lonely Planet – Unique site that provides travel books and videos about different countries and their activities such as beaches, food and drink, art and culture, and adventure travel. They also provide services such as travel insurance, adventure tours, car rentals, flights, hotels, sightseeing tours, and airport transfers and shuttles. Another perk of this website is that they provide tips, as well.
  • Like A Local – This company is so great! This site allows you to be able to contact locals in the area that you’re traveling to be able to get suggestions, tips, and even ask to meet up. They provide suggestions for tours, food, nightlife, shopping, and sightseeing all at your fingertips. On top of that, you can also pay a local to be your tour guide for CHEAP. I’m going to be traveling to Munich at the end of May and a local posted that they charge 2 euros an hour to be your guide. I’m SHOOK. But it gets better, you are also able to download their phone app and purchase an offline, no internet, and no roaming charges map for $1.99 per city that can also use your GPS to locate where you are. If you’d like to be a guide as well in your home town, you can also sign up with them and be paid!

The most important part of traveling, of course, is that you have fun and enjoy! Only be on your phone to take pictures and make a new friend and take in every opportunity that you can to soak in and appreciate your new surroundings.

Wow! Thank you so much to Amy for such fantastic, invaluable tools to use while traveling on a budget. For more on Amy’s upcoming travels, be sure to check out her blog! How do you ball on a budget? Where are you traveling to this summer? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

When Bargain Hunting Gets Serious

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When Bargain Hunting Gets Serious

We all love a bargain and nothing beats finding the perfect thing on sale. It gets your heart pumping and makes you feel GOOD! And, the invention of online discount code sites has changed the way many of us shop, too. Shopping also releases endorphins. It may not be scientifically proven yet, but most of us would agree that finding a bargain releases even more. But sometimes, there’s more to getting a deal than that feel good buzz. We’re stepping away from finding the dress that you were looking for at half price. Instead, we’re going to look at when finding a deal can make a difference to your life. Believe it or not, some things are more important than clothes (though it may be a small, select few!):

Food: We can all agree that food is an essential. But, finding food when you’re working on a tight budget is far from easy. For some of us, clothes shopping is far from our minds. When we can’t afford to feed our families, life can get on top of us. So, how can you ensure that you can always buy food? The first thing and a point we’re going to return to again and again is the importance of shopping around. Knowing where you can get the best deals is important.

Despite what you might believe, prices on the same products vary a huge deal from store to store. When money is stretched, you can’t afford to buy at the shop closest to you. Instead, look around. Go to a few different stores to see which one has bargains on certain things. It’s also important to have a set meal plan for the week and only buy the ingredients that you need. People who shop per meal are sure to spend more than those who plan ahead and shop once a week or so.

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The chip aisle is SO beautiful.

Health: Healthcare isn’t cheap. Those with enough money can afford to pay for health care to cover costs. But, people on a tight budget don’t have that luxury. Instead, they have to cross their fingers and hope nothing happens. Frankly, a big health bill would be enough to cripple the best of us. It may seem strange to consider bargain hunting where health is concerned, but it’s important. Few people realize that you can get discounts on prescriptions if you need them. It’s even possible to find deals on health insurance if you know where to look. Again, shopping around is key.

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Bills: Most of us would agree that our bills are the largest monthly expense that we have. So, it makes sense that we would want to find deals where we can. Sorry to sound like a broken record, but again, shopping around is your best bet. If you don’t look at each company’s prices, you could be paying well over the odds. Once you’ve done your research, you also have the opportunity to return to your current company and see if they can offer a competitive price. Playing companies off against each other is sure to knock costs down.

As you can see, the secret to saving money on important costs all comes with doing your research. Check the ads, apps, and websites for the best deals as well as keeping up with the promotions certain companies may be offering for new customers, etc. and you are sure to see savings!

Featured Image By: Public Domain Pictures

Sick Of High Medical Bills?

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Sick Of High Medical Bills?

If medical bills are starting to drive you into an unhealthy debt, don’t despair. You shouldn’t have to financially ruin yourself in order to care for your health. There are many sly ways of cutting expenses on your medical bills that could be worth taking advantage of. Here are just a few to take a look at:

If your boss offers an FSA – use it! More and more companies are supplying Flexible Savings Accounts as an option to their staff. Every contribution you make to these accounts is tax free and can be used to cover all manner of out-of-pocket medical costs including prescriptions, medicines, and dental care. You’re allowed to save up and spend a certain allowance each year – which should be fully taken advantage of. Even if you don’t have a medical problem throughout the year, FSA spendings can be used to buy over-the-counter drugs, baby products, bandages, crutches and in some cases eye wear such as glasses or contact lenses.

Ditch big brand medicine: Only buying medicine from big brands is a rip off. These brands may have enough popularity and money to advertise on TV, but they’ll have had to pass exactly the same quality tests as lesser known drugs from small brands. These small brands are likely to be much cheaper. If you’re on a prescription, shop around for other similar medicines that you could be saving money on. Ask your doctor and switch to generic brands to save a very pretty penny.

Tailor your insurance plan to you: Taking the time to really shop around for health insurance plans can save you a lot of money. Use comparison sites and check companies that are off of these comparison sites, too. Companies such as Health Insurance Innovations are known for being able to offer customized plans to suit your needs. You may also find a good family bundle somewhere that could also save costs. And remember that you can lower your premiums by raising your deductible.

Join a farm bureau: Every state has its own farm bureau – an organization primarily set up for farmers, although practically anyone can join (farmer or not!). Joining will cost a small monthly or annual fee, however, you usually will get all kinds of perks, a common one being huge medical discounts. Always check the incentives offered by your local bureau first before signing up, as perks do vary from state to state.

Get help from an advocate: Advocacy programs are largely in place to help those in need who may not be able to make a medical decision for themselves. However, advocates can also help out those that are financially struggling with healthcare. An advocate may be able to shop around for you, come up with alternative treatment plans, and negotiate better rates from hospitals and insurers. This isn’t a service that everyone can take advantage of – your financial situation may have to be assessed first to determine whether you really cannot pay off these medical bills.

Featured Image By: Torange

Make Immediate Savings On Those Home Bills

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Make Immediate Savings On Those Home Bills

For a lot of us, we only truly see how much we’re spending when we decide to put together a budget. We might think that we’re doing well and then suddenly realize just how much we’re spending on standard household bills. If you want to free up a little cash, there’s a good chance that those bills are the place where you could do just that. Spending less per month isn’t too difficult, either. A few changes and an investment or two could result in you keeping more money per month:

Things Are Heating Up: It should be no surprise that among the biggest bills for most people are those pesky heating bills. Especially in the winter, they can be gigantic. The same goes for keeping the home cool in the summer. But while you do need to control those temperatures, you don’t necessarily need to spend quite as much on it. For one, you should look at how well airflow travels through the home. Air vents in the home clogged by dust can stop the heat from traveling through the home, just as it can stop the cool from dispersing when you’ve got the AC on. Thoroughly insulating the home is important, too. Make sure that you caulk any sources of drafts in the home and pay particular attention to the roof. A missing tile or two won’t only get in the way of your attempts to control your environment but are a major risk of damp and mold, too.

Get Appliance Savvy: Heating and cooling aren’t all that can impact the energy bill. All the different appliances and electronics have a big effect, as well. If you need any new appliances or fixtures, then you should do your research. Things that you can look into include spotting a more efficient fridge thanks to Energywise rating labels to giving traditional bulbs the boot for LED lighting, instead. You also need to know when it’s a good idea to replace an old appliance. Things begin to work less than their best over time and that goes for their ability to stay energy efficient, too. It’s an investment, but one that will save you more money in the long-term.

Give Your Service Providers A Call: Besides the resources that you use to keep the home livable, you have to think about all of those other little services and subscriptions that you have, too. Take a look over your bank statements for the past month. It’s easy to forget that you might have subscribed to that video service or this audio book library. If you’re not using them, it might be time to call up and cut them off. Then, there are those deals like your TV packages and internet providers. With a bit of research, you should figure out if there are any better deals on the market. If there are, you don’t necessarily have to make the switch. You can use that as your bargaining chip to call up and negotiate yourself a better deal (it works like a charm!).

A closer look at just where you’re spending your household money can show you the upgrades, purchases, and even phone calls that can result in you keeping a lot more cash. Let those expenses go unchecked, and you could find them swallowing up most of your budget and spending money.

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