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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

Money Saving Tips

5 Cheap And Easy Ways To Keep Your Home Warm This Winter

There are some really nice things that come with the fall and winter season. The leaves turn pretty colors. There are all kinds of nice cold weather fashion. Football season is in full swing. However, if there is one thing that we all tend to frown about, it’s the increase in our energy bills as we all strive to keep our homes and bodies warm.

If you would like your electricity bill to be a bit lower this winter, we have five cheap and easy tips for you to do just that. This way, you can enjoy all that comes with the cold without having to spend an arm and a leg to stay warm in the process.

Don’t turn up your thermostat. Here’s something that just may surprise you. Did you know that you can set your thermostat at around 68 degrees and that’s enough to keep you warm and comfortable? Not only that, but it can cause your energy bills to drop by as much as five percent if you do.

July 5, 2013

Money Saving Tips

3 Money Saving Tips For Penny Pincher Auto Owners

With gas prices seeming like they are a one-way bet heading north and so many financial cutbacks going on everywhere you look, a bit of penny pinching when it comes to running costs for auto owners is now pretty much essential to keep your finances on track.

Here are three money saving tips to keep your auto expenses to a bare minimum and keep as much money in your pocket rather than wasting it on paying out more than you need to.

Reassess your insurance

Making some adjustments to your car insurance needs can send the rate that you pay on a welcome downward spiral. There are several penny pinching ideas you can use to get lower rates and they can have a dramatic effect on the overall cost. The first thing to look at is to consider raising the deductible on your comprehensive policy which will mean that if you can stay out of trouble and avoid a claim you will benefit from a much lower rate overall. If you raised the deductible from $200 to $1,000 on your comprehensive policy you can save an average of 40% on the total cost.

If you have an older car, then think about dropping the comprehensive and collision coverage altogether especially if your annual auto insurance premiums are 10% more than the book value of the vehicle.

June 26, 2013

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