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5 Things You Should Always Negotiate

People today don’t seem to have the haggling skills of past generations. More and more consumers are content to pay sticker price or MSRP on everything they buy. Perhaps it’s lazy shopping, or maybe shyness is plaguing our society. Whatever the case may be, it’s time you started learning to negotiate for your purchases again. There are 5 things in particular that you should always negotiate.

The Price of a Car

More negotiations happen at car dealerships every day than at any other kind of business. Cars are very expensive, and a purchase like this is an investment of thousands of dollars and years of monthly payments. Salespeople at the car dealership will typically offer flexibility in payment plans, but don’t forget to negotiate the total price of the car. Your salesperson would rather trim the price of a car on the lot than risk missing out on a sale.

Mortgage Rates

If you ever find yourself on the real estate market, looking for a new home, be sure to take some extra time to find the best rates on a mortgage. If you have a good credit rating, you should be able to haggle for a lower APR. You may also be able to negotiate the elimination of processing charges and closing fees. These may not seem significant compared to the price of a house, but there is a potential for several thousand dollars in savings if you negotiate with mortgage lenders.

February 4, 2013

Shopping

5 Ways To Save Money On A New Computer

Shopping for a new computer can be a mind-boggling process. Technology advances so quickly that you’ll have a whole new vocabulary to learn if you’ve been off the market for more than a year. Yesterday’s ultimate laptop is today’s paper weight. On top of every other concern, computers are expensive–serious investments for most of us. If you’re on the market for a new personal computer, follow these guidelines to save money and get the best computer for your dollar.

Buy Only What You Need
When shopping for a new computer, the most important question to ask yourself is often the most neglected: What will you be using the computer for? If your computing needs are limited to surfing the internet, reading and writing emails, checking Facebook and writing the occasional paper, almost any computer made in the last 10 years will suit you just fine. Users whose computing delves into areas like graphic design, gaming, and other more advanced pursuits need more equipment. Take stock of what you need from your computer before you start shopping.

February 1, 2013

Shopping

5 Things To Consider Before Buying A Used Car

If you’re thinking about getting a new car but you want to make sure to stay out of debt, a lot of financial experts say that the best route to go is to actually purchase a used model. One reason is because new cars depreciate in value the moment you drive them off of the car lot, but another thing to consider is that if you finance a vehicle, you will have to make payments on a monthly basis. Over time, that can become a bit of a financial burden. Yet, when it comes to a used car, to know that you have a mode of transportation that is bought and paid for, that can definitely give you some peace of mind.

When you’re getting a car that has been driven before, there are some things to think about before making a final purchase, though. That’s what this article is about: Providing you with five things to consider before buying a used car:

Check out the car’s rental history. We’ve all heard the saying: Looks can be deceiving. Whether you’re getting a car from a used car dealer or a private owner, just because it’s clean and shiny, that doesn’t automatically mean that it’s in tip-top condition. So, make sure to check out its history on a website like Carfax for information such as if it’s been in an accident and what its insurance records may be.

January 16, 2013

Shopping

Household Items You Should Splurge On

When you’re out shopping for things that would be good for the house, you’re probably more inclined to find ways to cut corners. After all, you can find matching towels and wash clothes (at certain stores) for under $10 and Wal-Mart has a mattress-in-a-box that you won’t have to spend over $300 to have delivered to your home.

Yet here’s the thing: Sometimes when something is inexpensive, what that really means is that it’s cheap. In other words, while you should do your best to save money, there are certain household items where you shouldn’t have to sacrifice value in the process and so you should be willing to go the “extra money mile”. “Items like what?” you may ask. Items such as these below:

Your mattress. One of the reasons why so many of us sleep so well when we’re in a hotel bed is because the hotel didn’t cut corners on the mattress. Although a good one can easily run you a couple of thousand dollars, the health benefits of making that kind of investment include the relief of stress and back pain and the ability to have more consistent nights of uninterrupted rest.

January 8, 2013

Shopping

Think Before You Shop – 3 Ways To Save Money

How often do you shop for something that you need? Are you constantly looking for a good deal? There are a lot of people out there that shop even when they don’t have the money and that is why I want to show you a few ways to save money even while shopping. Although this will take some mental power on your part, it is going to benefit you in the long run.

Stick to a plan.

The very first thing you must do if you plan on saving money while still shopping is to stick to a plan. By plan I am talking about creating a plan as to which stores you are going to shop at, how much you will spend at each one and what you plan on buying. The reason why planning is so important to saving money is because it eliminates the amount of money you spend on things you don’t need. A lot of people will spend roughly 15% of their money just on things that catch their eye, so make sure you avoid this altogether.

December 27, 2012

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