How to Save Money When Renting

Owning a home isn’t for everyone. Sometimes it just makes sense to rent instead. Still, since rent is often the biggest item on the budget, it is important to do what you can to save money while keeping a roof over your head. Negotiate Negotiating up front can save you the biggest chunk of cash. If you can negotiate to lower your monthly rent, you will continue to save as long as you are in the apartment or rental home. Your landlord may be more likely to negotiate if you are willing to take a longer lease, have an excellent … Continue reading

Saving Money on Air Conditioning

Have you turned on the air conditioning yet? Here in Utah it’s reached 90 degrees already so I had a friend open the swamp cooler a few weeks ago. While I love my swamp cooler, I love being able to have the windows open, I do miss central air. That almost refrigerated feel when you come inside after being in the hot sun is almost impossible to replicate with a swamp cooler. The best thing about a swamp cooler versus central air is that the impact on my utility bills is almost non existent. My electric bill will be about … Continue reading

Saving Money on a New House

One of the easiest ways to save on a mortgage is by making a substantial down payment. The larger your down payment, the less you will have to pay on a monthly basis. In most cases, home buyers are required to cough up at least 20 percent of a home loan in order to avoid Private Mortgage Insurance. Whereas it would be wonderful if we could all put down 20 to 30 percent of our dream home’s total price, many potential buyers struggle to come up with even half that. Fortunately, for many first-time homebuyers, down payment assistance is available. … Continue reading

Saving Money by Taking Care

Well, it finally happened. I had to upgrade something that has been a constant companion for the last almost six years. My laptop. My laptop, dear old friend, has been through so much with me. As a work at home freelance writer and content manager, my laptop has seen heavy usage on a pretty much daily basis. The old girl just wasn’t strong enough anymore. After much debate and hemming and hawing, my husband and I decided on a new model. At the store, I opted for the initial set up that comes free with the purchase. During the set … Continue reading

Hide Your Savings

I hated to clean my room when I was a little girl. (I still do, as a matter of fact.) But one day while performing the odious task, I found a welcome surprise. I had taken a handful of quarters and tucked them away in one of my doll socks. I was delighted to find it. I wasn’t in the habit of saving money, and consequently I rarely had any. You can imagine those quarters didn’t last long once I rediscovered them. Years later, married with children, I was having the same problem. How do you save money when there … Continue reading

The Biggest Ways to Save Money

Have you heard of the term, “Penny Wise and Pound Foolish?” Sometime we concentrate so much on saving pennies that we neglect where we can get the biggest savings. Here are some tips about how to make the biggest impact when saving money. While the pennies can add up, why not first concentrate on the dollars? Shelter, transportation and food are usually the biggest expenses in the average household, followed by entertainment. Combining Bills If you have home and car insurance, combine them with one provider to save hundreds of dollars a year. Likewise bundling other services such as cable, … Continue reading

Four Questions to Ask Your Moving Company

When it comes time to make a move to a new home, one of the scariest things to do is to find a moving company that you can trust. Everyone has horror stories to share about bad situations they have been in with the movers that they selected. I have heard tales of movers damaging or losing belongings, or worse, outright stealing or holding items hostage until an inflated fee is paid. This makes it hard to feel secure about hiring movers. Each year there are, in fact, thousands of complaints filed against disreputable moving companies. How can you protect … Continue reading

More Cause Celeb—Anderson’s Selling Her Viper and Ford’s Saving the Tiger

Not again… People for the Ethical Treatment of Animals (PETA) poster girl Pamela Anderson is once again making headlines for her unique approach to raising funds for the animal rights charity. Yes, the buxom “Baywatch” babe, who is now fully aware that the fashionable sheepskin boots she wore for decades actually came from real live sheep, is on her soapbox once again. This time she is encouraging animal lovers to follow her lead and rummage through their homes, sell unwanted items, and give the money to PETA. The actress turned magician’s helper recently held a huge estate sale at her … Continue reading

Removing Price Labels

Believe it or not, stubborn price labels can cost you money. Removing them is easy, if you know how. There are two ways that price labels can cost people money. One way is that many people throw out items, believe it or not, if they incorrectly remove a stubborn price label and damage an object. The other way that stubborn labels can cost money is when they prevent you from purchasing a bargain piece just because you know that you’ll never get that label off easily. Two places that difficult labels tend to pop up are also the two places … Continue reading

Removing BPA from Your Home

Have you heard about bisphenol A (BPA)? It is a substance in manufactured plastics that has been linked to cancers and other health-related problems. You may have heard the warning that you shouldn’t heat or freeze many plastic containers because of this reason. Well, now the news is even worse. According to BabyTalk magazine, a panel of specialists in environmental health recently expressed some concerns that babies and young children exposed to BPA could experience neurological and behavioral problems later in life. BPA is usually found in clear, hard plastics that are often used as food storage containers (like tupperware … Continue reading