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Money Saving Tips

Save For A Rainy Day Fund Today And Redirect Lawsuit Funding Towards The Emergency Fund

Life is full of ups and downs. You can sail through tough times if you have the support of your loved ones and adequate funds to see you through. It is important to save for rainy day funds. With high rates of unemployment and inflation it is important to plan well in advance for the future. A rainy day fund is also known as an emergency fund which will ensure your financial liquidity at all times. You can consider putting away some amount of your income in an interest earning savings account to secure your future. Do not use this amount of money for investments.

Maintaining a savings account

For rainy day funds a regular saving account is ideal. The savings can get you through tough financial situations and help you to finance emergencies. You should keep this section of your savings in a different account where other transactions do not affect this savings. It is essential that you are consistent and savings become a regular part of your monthly budget. Decide on how much you can save and ways in which you can reduce your spending. This additional amount of money can go into your rainy day funds. Do not wait for the end of the month to make the deposit and do not make withdrawals from the saving account until it is necessary.

July 16, 2014

Money Saving Tips

5 Tips For Saving Money On Your Monthly Internet, Phone, And Cable Bills

We’re all interested in ways to save on our monthly bills, especially when our budgets are stretched to the breaking point. But we also enjoy having the entertainment options offered by cable and the internet, not to mention the connectivity provided by the latter, along with a home phone. And while we don’t want to give up the phone, internet, and cable service that has become so ingrained in our daily lives, just about everyone would be happy to get the same or similar services for less. Luckily, there are plenty of ways to cut costs without giving up the services you use daily. Here are just a few effective ways to save money on these monthly expenses.

July 6, 2014

Money Saving Tips

5 Easy And Effective Ways To Save Money On Apartment Living

While most of us would like to one day attain the American dream of owning a home, there are plenty of people that, for one reason or another, end up living in apartments. Perhaps you are in a stage of your life that is impermanent, and the thought of buying and selling a home in short order is simply undesirable. Maybe you don’t have the money to pay a mortgage or you’re saving up for a down payment on property. Or it could be that you just appreciate the benefits of apartment living, particularly the lack of maintenance duties. Whatever your reason for living in an apartment, though, you’re probably interested in paying as little as possible for an acceptable living space. Here are a few easy and effective ways to save on apartment living.

Downsize. Sure it’s nice to have that extra bedroom for a home office or to accommodate guests, but extra space definitely means additional rent that you may not be able to afford. If you’re looking for ways to save on the cost of renting an apartment, the easiest and quickest solution is to downsize to a flat that features less square footage. This could mean swapping out oversized furniture for convertible options, but the money you’ll save could net you a nest egg for the property you hope to purchase one day.

July 5, 2014

Money Saving Tips

Money Saving Tips For Professional Truck Drivers

Most people associate truck driving job with grueling work hours and steady pay. Typically, truck drivers are involved in transporting important and mostly expensive cargo. However, the job is not an easy one, nor is it suitable for anyone. The truck driver is also responsible for performing a number of things including basic truck inspection to establish if they are any mechanical issues that may compromise safety. Because of its arduous nature, truckies are required to possess the necessary qualifications and discipline at work and in their finances.

Truck Driving and Financing
Most people associate truck driving job with grueling work hours and steady pay. Typically, truck drivers are involved in transporting important and mostly expensive cargo. However, Truck Driver Jobs are not easy, nor are they suitable for everyone. This demanding job requires that you sacrifice many hours working away from home. To become a truck driver, you have to attain a certain level of competency which is usually express via attainment of a commercial driver’s license offered by an approved authority. The requirements for attaining this professional license include age limit, and a pass in the eligibility test; the test may involve both physical and written examination.

June 20, 2014

Money Saving Tips

6 Best Ways To Save Money On Car Insurance

The cost of car insurance is on the rise. The challenge of finding adequate coverage at the right price can be resolved by following simple steps. Maximize the economic value an auto policy by lowering risk ratings. If you are looking for high quality auto insurance within a reasonable budget there are a few things you should know:

1. Boost Deductible
One of the easiest methods of extracting more value from an auto insurance policy is to boost your own deductible. The odds of sustaining minor damages such as curb side scratches or a dented bumper are higher than the risk of a major collision. When signing onto a policy with a higher deductible ceiling, the cost of monthly payments will be far lower.

2. Carpooling
When insurers have knowledge that you commute to work by carpool, there are typically substantial savings. Estimated premium for carpoolers on an auto policy will be reduced if it is evidenced that those trips constitute more than 50% of all drive time to work. Insured that can provide documentation of 75% commuting by carpool will obtain significantly more savings. Most businesses with commuting employees track carpool mileage. If indexed at under 7,500 annually, leisure driving rates are assigned. Most drivers clock in about 13,000 miles annually at the median rate. Carpooling is a way of cutting expenses down to the low end of the rate scale.

June 19, 2014

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