Monthly Archives: January 2013

Gym Membership Contracts

Gym Membership Contracts

Before you sign a contract for a gym membership, read it carefully and understand what you are signing. Complaints about membership contracts are way up across the country. In 2012 in Utah, for example, the Better Business Bureau of Utah received 330 complaints involving gyms and their contracts–roughly double the number from 2011. Most ofRead article

Shop Less Frequently

Shop Less Frequently

Shop less frequently. You will be forced to make the food last longer and you will become much more creative. If you go to the market every day, stretch it to every other day. Once a week? Shop for two weeks next time! You’ll waste less, use less, and spend a bunch less ! MakeRead article

Prepaid Funerals

Prepaid Funerals

Don’t buy a prepaid funeral plan. It’s wise to set aside some money to pay for your funeral in a savings account, investment account, or through life insurance, but it makes no sense to pre-pay a funeral because the cost of funerals is not going up any faster than the general rate of inflation. You’reRead article

Buying Food Staples in Bulk

Buying Food Staples in Bulk

Food staples, such as wheat, rice, and beans can be purchased in bulk for a very reasonable price and can be rotated into your food storage at home. If you buy wheat, be sure you have a way to grind it into flour. If you buy flour, put it in the freezer for 48 hoursRead article

Negotiate on Everything

Negotiate on Everything

People in the USA seem to think that if a price is posted in a store, then that is the price you have to pay. But if you have traveled to other countries, chances are you have experienced bartering or negotiating a price. In many countries, it is typical to haggle over a price, evenRead article

Saving Money on Electricity

Saving Money on Electricity

Many people assume that their monthly electricity bills are a fixed expense. But there really are things you can do to reduce your cost of electricity. Consider the following: Clean up. Dirt behind your fridge, in your dryer lint catcher, and around your air conditioner coils will increase the energy it takes for them toRead article

Save Money on Coffee

Save Money on Coffee

Have a coffee fix? If you are one of millions of people ducking into the corner coffee house every morning for your daily cup of Joe, consider how much you are spending. Try this “Stop Buying Expensive Coffee and Save Money” calculator. Here’s an example: Your daily latte or mocha will likely run between $2.50Read article

Light Bulbs

Light Bulbs

How do you choose among the various types of light bulbs that are available today? Incandescent bulbs are the traditional light bulbs with a filament wire. They are the least expensive to buy, but also the least efficient in using electricity. Compact fluorescent (CFL) bulbs use 65-75% less energy than standard incandescent bulbs and lastRead article

Avoid Bank Fees

Avoid Bank Fees

Avoid paying unnecessary fees to your bank every month. Check with your bank and see how you can configure your account to avoid ALL FEES. Don’t get trapped into, “Well, it’s only $10 a month.” They all add up! There may be a minimum balance requirement. Decide if you can meet that consistently. If allRead article

Save Money on Car Insurance

Save Money on Car Insurance

Below are steps you can take to lower your insurance rates. Many of these ideas can save money on your homeowner’s insurance as well. Raise your deductible. Raising the deductible on your policy from $200 to $500 could reduce the cost of collision and comprehensive coverage by up to 30%. Raising it to $1,000 couldRead article