How to Save Money

Louisiana is one of the toughest states when it comes to driving without insurance. If you are caught driving without insurance the officer who has pulled you over is authorized to physically remove your license plates from your vehicle on the spot. If you don’t provide proof of insurance within 3 days your license plates are physically destroyed.

The list of penalties only gets worse from there. Rather than risk the ire of the state of Louisiana for driving without proper car insurance, perhaps it would be better to look for ways to save money and get discount car insurance in Louisiana that you can afford each month.

Let’s start with your garage. Did you know that if you can park your car in a garage at night that you will save money on your car insurance every single month?

If you make arrangements for your car insurance premium to be paid automatically each month out of your checking account then you will also save money.

If you can drive less you will save money. Is it possible for you to use public transportation for most of your needs? If you can keep your driving to under 500 miles per month you may qualify for a special Low Mileage Discount.

If you carpool to work you can save money on your car insurance. Let your agent know that you are driving only half as many times to work and back each month as your were before and you will get a discount on your insurance every month.

If you retire or if you stop driving back and forth to work at all then you will save even more.

Don’t file a claim unless you feel it will be worthwhile; if you are claim free for six to twelve months you may be entitled to a Good Driver Discount.

Some insurance companies will lower your rate if you purchase a steering wheel locking device or add some other low-cost anti-theft device to your car. Talk to your agent about your options.

Young drivers need to stay in school and they need to work hard and get good grades. Young drivers can save a surprising amount on their car insurance each month simply by maintaining a “B” grade average or better.

Find group car insurance. Group car insurance is sometimes offered to employees, but if your place of employment doesn’t offer group car insurance ask at any clubs, groups, organizations or associations that you or any of your friends or family belong to. Many organizations offer low cost group car insurance.

If you are married designate the wife as the primary driver and the husband as the secondary driver. Women pay less for insurance and having the wife designated as the primary driver will save money.

Can you afford a larger deductible? Increasing your deductible is a quick and easy way to lower your monthly car insurance payment, but don’t get carried away and promise to pay more for your deductible than you can actually afford.

Buy your car insurance online. Buying online almost always saves you money. But don’t make car insurance price comparisons on just 1 website – if you really want to save money and get discount car insurance in Louisiana then you’ll need to take the extra time to make your comparisons on at least 3 different websites.

Also – enter the exact same information onto the forms on all 3 sites. This is the only way to compare the same car insurance policy on every websites and that’s the only way to really save any money.

But as soon as you’ve made the comparisons on 3 different sites then your work is done. You’ve done your research (you’ve read this article) and you’ve made your comparisons on 3 different sites, so all that’s left is for you to pick the best price you found. That’s it. That’s how you save money and get discount car insurance in Louisiana.

How to Save Money and Still Shop

How to save money and still shop has become a conquest for this writer. Simply put with the high cost of gas now days I wanted to begin exploring other ways of buying things both with and without coupons and without doing all that driving around. This is part one in a several part series that will focus on how to save money and still be able to shop.

Keep in mind, dear reader, that I am looking for ways to cut costs and not expensive ideas that in the end costs as much as your gas. I want to save money not cost you money. Okay so I am cheap. I admit it. I want you to be able to shop when you want…not when the stores are open.

My 1st candidate is – DHS Club in Englewood, Florida – Club Shop Mall

Just passing the 10 year anniversary in June shows this company is not a flash in the pan type. They began in 1997 working out of the founders small apartment over the garage. The president,founder and baby boomer, Mr. Dick Burke, wanted to provide an avenue for consumers to save money and also have an option to start a home based business.

Beginning with humble roots in 1997 and continuing to improve services and products offered has endeared DHS Club to its many consumers and business entrepreneurs. During 2001 DHS Club even opened international branches, opened an online training center that is easy to understand (even for the beginner who has very little computer experience) and in 2002 developed the ClubBucks Rewards program offering an avenue to become an associate member and receive income from people you refer to the program.

Knowing how to save money and maintaining high ethical standards has made DHS Club prosper to the point of moving out of the small apartment over the garage to the current 3400+ square foot building with offices nearby.

An important symbol of their ethical character can be found in their Mission Statement:

* To join individual consumers together to form a vast buyer’s cooperative, thereby gaining tremendous consolidated buying power so that our members may purchase products and services at the lowest possible cost.
* To extend the advantages of the Free Enterprise System to anyone who seeks to have a business of their own.
* To promote the principles of freedom and democracy that are embraced within the US Constitution.
* To encourage the development of a vast, self-sufficient, economic community of “people helping people” and the individual development of the whole person.

Consumers save money and shop at the convenient ClubShop Mall. Over 250+ online stores from around the world are right at your fingertips with just a few mouse clicks. Stores include: PetSmart, Home Depot, Old Navy, Best Buy, Office Depot and many more.

Take a moment and visit the link to see if you would like to save money and still shop. The membership is Free! I saved the best part for last…yes it is FREE! They even have an associate program that will not only save you money on your purchases but provides a unique opportunity that allows you to have a home based business. Remember the best part is the membership to Club Shop is FREE! Check it out and you will be glad you did…what have you got to lose – it is FREE!

So now you have information on the 1st company in this series. Keep your eye out for the next product or service that will show you how to save money. I enjoy finding places that show you how to save money and still shop.

How to Save Money

Have you watched the news lately? Seems like there are more and more issues with the national economy, mortgage crunch and large business and their businesses crashing around them. I hazard to say that the only one you can rely on financially now and in the future is you. If you are living paycheck to paycheck like the rest of us, then you should, no, you must buckle down now so you have something put away for retirement. Small changes to daily living can have a huge impact over the years to come.

  1. Food shopping

This can lead to huge savings. Whenever you go to the grocery store, there are ways you can save money.

  • Check your paper for coupons and use them religiously
  • Plan out your trip and your grocery list before you leave home
  • Items you use regularly are usually cheaper in bulk or larger quantity
  • choose generic products instead of brand name
  • Check expiration dates on perishables when you are at the grocery store

When you get home with your groceries and put them away, make sure to keep the bags, paper or plastic. Plastic bags are great to line waste baskets with and paper bags come in handy for shipping things and craft project. You are making use of a free product and just saved a bunch of money.

  1. Your debt and bills

The shorter the time you have credit card debt, the more you are saving in the long run. You may not be able to pay them all completely off, but the more you are able to pay, the less interest you are going to have to face. And if you are late on any bill you will also get stung with late fees. Some people find it beneficial to bank online and have recurring payments withdrawn from their accounts – you never have to worry about being late because you forgot. However, with recurring payments you need to be very aware of your account status so that funds are always available as banks like to hit you with fees for insufficient funds.

  1. Entertainment

Instead of going out to a movie, consider going to your local movie store and renting. When you add up all the costs of the movie theatre it is astounding! The movie ticket, the popcorn and candy, the drink. Bring home a movie, pop your own popcorn and get your own drinks will save you a lot of money over time. If you really want that time out for a movie theatre, try to go to the earlier shows as they are usually cheaper. You might also consider your local library, they can books, music, even movies to rent – and they are free!

It might be your regular routine to hit the fast food place down the street from work everyday. Try replacing a few of those trips a week with a brown bag lunch. You definitely save on the food costs and you save the gas needed to drive to the fast food restaurant. You know you hate those lines in the drive through – find a place around work where you can relax and enjoy your bag lunch.

Going out for entertainment doesn’t always mean you have cost. Recreational areas offer hiking or biking trails at no cost and provides an outlet for a regular exercise regime. After all, with all the money you are saving, you want to be healthy enough to enjoy it down the road!

  1. Alternatives to Full Price

Many times you can find products for less with a little researching. One huge market that offers massive savings is eBay. Thousands of people are selling everyday products that you can get for cheaper than what you might pay retail. Not only can you buy items on eBay, you can also easily set up an account and sell your own items to make money. Purchasing online can save you on pretty much anything. The competition is great and you can choose the web store that will give you the best deal, and might even mean reduced or not cost shipping.

You can also get great deals from the classifieds ads section of the paper. Find out where the garage sales are in your area on the weekends and get incredible bargains on things you are looking for.

  1. Gifting

When you are thinking about what to get that special person, a great alternative to a mall purchase is to make something for them. Everyone has talent in one area or another, and even if you have to purchase the supplies to make something, you still will save money. Usually you have left over supplies that can be used for another gift down the road. Handmade gifts are much more personal and let the receiver know they came from the heart.

  1. Saving Around The Home

There are many ways to save money around the home. Get the whole family on board and save.

  • Turn off unnecessary lights
  • Lower your thermostat a few degrees
  • Use low energy light bulbs
  • turn off your computer when not in use
  • Hang clothes to dry instead of using the dryer
  • Purchase energy efficient appliances
  • Ensure that all windows and doors have good seals to avoid heat loss

Many companies today are focused on energy efficiency are have their products readily available. Make sure your family is all aware of how to save money around the house, so that everyone participates. A good incentive is to let them know that the additional savings from participating can add up and lead to special purchases and trips.

You have to put in an effort to save money, but in doing so, you will being to see the fruits of your labors. Be conscious of what you can do in your life to save money, and stick with them. You will not see huge savings overnight, but over time, the savings will be substantial.

How to Save Money

Money management is always a major concern for entrepreneurs, tycoons, entrepreneurs, traders, investors, traders and public. When it comes to money, a process called money management. There are several things that are included in it, including investment, budgeting, banking and taxation. In other words,it is also called as investment management. Today the theory of this is applied in all aspects of society.

“How to save money”

When they own a business that they try to make as much profit as possible. Although, from paying employees, paying the rent of our business space and the purchase of our sources of business, it’s easy to lose money. If they are looking for ways to save money on supplies for their company, here are some easy things they can do.

Household businesses, property investment, stock trading for hotel management, and trading companies to online banking, the theory of money management is applied in all other aspects of society. But how is it possible for us to control our economic system? Well, they just use their common sense money management. As this is a time of global recession it has become a real challenge for us now. The first thing to do is control their budget. In order to control their budget, they will have to reduce their expenditures on a regular basis. How is it possible that they can reduce our costs? Then all then have to do is save their money.

Small business owners worry about cash flow in difficult times like everyone else. This is a valid concern because small business owners have more responsibility than those who are employed. Entrepreneurs are sometimes responsible for payroll, supplies, and benefits for their employees. In addition to these responsibilities, they have to buy the things they need for their own home to run smoothly. Like they can save money on the purchase of their home, they can save money on purchases for their business. The rest of this article will show how to save money on everyday purchases of small business.

One way to ensure that this can have lights in areas changed to a system of sensors, which turn on when someone enters the room, then switch off automatically when they leave. Balloons can also provide energy efficiency savings. Does their office machine have an index of energy efficiency? Today, many manufacturers of copiers, faxes, printers, etc. to provide an index of energy efficiency, so it may be that they can save by making their next purchase.

Second, if they are spending money on extravagant things, then they must immediately stop spending money on them, so they can manage their expenses. Read more articles to date, online money management, as it certainly would give a hand in managing their budget line. If they are a seller of shares and want to manage money, then they have to buy the money management software and install it on their computer and to lend a hand to manage their monthly and annual expenses. So those who are tycoons, industrialists, traders, suppliers and manufacturers must think about the money management software if they want to manage their money and payments.