Browsing Category

Money Saving Tips

5 Ways To Save Money On Newborn Necessities

Bringing a new baby into the world is an exciting time. However, baby necessities are often extremely expensive and can be a shock to your bank account. Luckily there are many ways to cut down on expenditures and still provide both you and your baby with everything you’ll need. Here are 5 ways to save money on newborn necessities.

Diapers

It is often instinctual and easier to use traditional diapers for your baby. While this is definitely more convenient, diapers can become extremely expensive. You will constantly have to buy packages of diapers as most newborns go through hundreds of them in a short amount of time. In addition, the use of diapers is harmful to the environment. A great alternative is to use cloth diapers. While these do require more maintenance and time, the benefits are worthwhile. You can reuse diapers, saving lots of money. The extra time you take to wash cloth diapers will be a good trade-off for the money you would have been spending on disposable diapers.

August 7, 2013

Money Saving Tips

5 Ways To Save Money On Commercial Truck Insurance

As a truck driver, getting insurance is an important, if not critical, prerequisite before you hit the road. In fact, most states and regions require commercial truck drivers to have insurance before they operate a truck. Insurance covers a number of things: collision damage, payload loss or damage, and even medical bills. It will also cover the truck driver or the company in the unfortunate event that another driver sues. When it comes down to it, hundreds of millions of dollars are lost each year as a result of truck driving collisions. Yet, insurance can be expensive, especially if it is coming out of pocket. Here are five ways to save money on commercial truck insurance.

Higher deductibles. Essentially the more you are willing to pay out-of-pocket in the instance of a collision, the less your annual insurance premium fees will be. However, while a high deductible will give you a much lower insurance rate, you want to make sure that you can afford getting into an accident. Getting a higher deductible is only worth it if you have the capital to back it up, or if the company you are working for will cover the deductible; you can find more here.

Add your truck onto your personal car insurance. Sometimes, if you have a relationship with an insurance company, they will be more likely to give you a discount. Insurance companies want to keep existing customers, especially customers who have a certain amount of equity or have been paying customers for a long time. Insurance companies call these “loyalty policies” and they can be much more affordable than going with a fresh new provider. In some cases, it might even be more affordable than the insurance your company offers.

August 6, 2013

Money Saving Tips

Save Money As A Do-It-Yourselfer

Do you know how to tile floors, reroof a house, paint walls or fix a car? If you do, then you can save a lot of money by doing everything yourself. If you don’t know how, then you don’t have to hire somebody to do it for you, you can simply learn how to do everything on your own.

What most people don’t realize is that people who have to hire a professional will pay more than they should simply because it is a skill that requires some experience. This is where the internet will come in handy.

Tips To Do It Yourself

Watch Videos – The nice thing about the internet is that many people will create a YouTube video on how to do certain things. If you want to know how to rewire a house, then there are people on YouTube that will show you how to do that. If you want to renovate your bathroom, then there will be a step by step video on how you do that as well. All of this stuff can be found on YouTube, so make sure you go there first before you try something you are not sure about.

Practice First – Yes, you need to practice. It doesn’t matter what you are doing, you need to give it a try first before you attempt it for real. If you are rebuilding the transmission for your car, then I recommend you attempt it with an older car, not a brand new car that will cost thousands of dollars to fix in the event that you mess things up. Now, if you are texturing a wall, then practice in a closet where nobody will see what you did. I know this sounds weird but the truth is that it will work.

July 23, 2013

Money Saving Tips

How To Pay Less For Legal Fees

Although we’d all like to avoid it, it seems that every one of us at one point will need to use the services of a lawyer. Whether it be to get a will done up, to incorporate a business, or more sadly, to file for a divorce, it is quite inevitable that you will be in contact with a lawyer at least once in your life.

As we all know, too, lawyers are extremely costly. They charge you an arm and a leg for even the littlest thing. I recognize that they have spent many years studying the law in order to provide you with their services; however, most people will agree that their fees are higher than they need to be. Fortunately, you don’t have to pay those outrageous fees any longer because you now have more options available to you. You can go online and find alternative services that may meet your specific needs. A couple of examples include sites like LegalZoom and U.S. Legal. LegalZoom provides services to Canadians, the UK, and the European Union.

Do take note that these websites cannot meet all of your legal needs, but they can handle many of them. Just like when you do anything else, make sure you do your due diligence and research it before you go ahead with it.

Most legal websites will help you through the process and will do a lot of the paperwork for you, but make sure that they offer a money back guarantee if for some reason things don’t go through properly. Sometimes saving money but increasing hassles is not worth it. Make sure you read reviews of the legal website you are planning on hiring prior to starting the legal process.

July 13, 2013

Money Saving Tips

How To Fund Your Graduate School Study Abroad

Graduate school can be exciting and challenging. Why not increase how challenging and exciting it is by moving your graduate studies abroad? As the world becomes more and more connected, employers are looking for candidates with advanced and multi-cultural knowledge. Studying abroad will offer you the unique opportunity to learn new languages and to experience cultural differences, which could give you a huge advantage in the field you are interested in. However, graduate school can be expensive – graduate school abroad can be even more so. Yet, if you look at the risks versus the benefits you will see that it can be potentially well worth it.

Here is how to fund your graduate studies abroad:

Your first step is to look for grants and scholarships. You typically don’t want to take a loan out, because you might be paying it off for a long time. No matter what field you are interested in – from medicine to law – there are a number of programs that are both privately and government funded that can provide partial and full scholarships. With a grant or a scholarship you won’t even have to pay it back. Grants and scholarships are a little bit like free money, but you want to make sure there are no serious strings attached before you apply.

Another way to fund your graduate school studies abroad is to find a position or an internship in the city where you want to study. This can be a great way to help fund part of your tuition, but it can also possibly help pay for your travel and living arrangements. Many of these internship programs might also be helpful in giving you real world experience in the field that you want to find a career in. For instance, if you are interested in science, you could get a position at a laboratory in another country. If you went to the University of Cincinnati it might be hard to get used to a city like Antwerp, but you will undoubtedly learn valuable life lessons.

July 13, 2013

Older Posts

Newer Posts