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    Free Essay
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    Save money on gasoline and move america to energy independence

     

    When gasoline prices are high, nobody wants to be fuelish. High gasoline prices act like an additional tax on American families. According to the Department of Energy, passenger cars and light trucks account for almost 42 percent of U. S. oil consumption and are a major source of air pollution. By doing these simple things to reduce gas mileage, you can save money and help America reduce its dependence on foreign sources of oil. Driving Tips • Aggressive driving (speeding, rapid acceleration and hard braking) wastes gas. It can lower your gas mileage up to 33 percent at highway speeds and by 5 percent around town. • Idle as little as possible-idling gets you 0 miles per gallon. The best way to warm up a vehicle is to drive it. You need no more than 30 seconds of idling on winter days before driving away. Anything more simply wastes fuel and increases emissions. • Combine errands into one trip. Several short trips taken from a cold start can use twice as much fuel as a longer multipurpose trip. Slow Down • Avoid high speeds. Each five mph you drive over 60 mph is like paying an additional $0.15 per gallon for gas depending on the current price. Your equivalent gas savings will be from $0.12 to $0.82 per gallon. • Use air-conditioning only when driving above 30 miles an hour. Car Maintenance Tips • Keep tires properly inflated and aligned and improve your gas mileage by around 3.3 percent. • If the yellow (check engine) light is on, your car might need service. • Start carpooling and using mass transit, plus arrange to telecommute. • Get the junk out of the trunk; light cars use less fuel. A vehicle that gets 30 mpg will cost you $750 less to fuel each year than one that gets 20 mpg (assuming 15,000 miles of driving annually and a fuel cost of $3.00/gallon). Over a period of five years, the 30 mpg vehicle will save you $3,750. $ Long-Term Savings Tip • Consider a fuel-efficient vehicle for your next purchase, such as a hybrid or flex-fuel vehicle, which are available in more models every year.

         
    Save money on products you buy every day

     

    Shopping with online coupons can help you save money on things you use every day. Online coupons sites offers hundreds of coupons that can help you save on items such as vitamins, auto parts and children’s clothing. Best of all, there’s no sales tax. You can often find free shipping and you will save yourself a lot of hassle between high gas prices and long lines at the checkout counter. Savings for health-related products discounted with coupons at simplybestcoupons range from “buy-one-get-one-free” offers to steep price cuts - as high as eighty percent. Retailers in the health and beauty section include Drugstore, The Vitamin Shoppe and the House Of Nutrition. Remember to bookmark the health and beauty section of your online coupons rather than bookmarking the individual company’s page - your discounts come thanks to the affiliate linking system set up by agreement between the two websites. Don’t get cheated out of your discount! Once you’re used to using online coupons, this will be a breeze. Your “daily use” product purchases with online coupons may change weekly depending on the specials being offered at that particular time. Some online coupons never expire, and you can keep using your coupon until the retailer decides to change offers, or the rules stipulate a limit on the number of purchases. You may gravitate towards certain kind of products that you buy with online coupons, but be sure to check out the other offers. The Children’s section, for example, has great money-savers on products from the Crayola Store, Jostens class ring service and many others. You may not need these products right away, but sooner or later the time may come and you’ll be glad you bookmarked those pages too. There are plenty of great coupons available for things you least expect. Ever thought you’d save money on replacement checks with an internet coupon? It’s true - a company called Checks Unlimited offers a deal for a low price (per box) and your fourth box of checks comes free - just for clicking the proper link. Another great find is the Franklin Covey store. Now you can get discounted office supplies for the home office, school or your 9-5 workplace. Online coupons are a great innovation; your savings can start immediately, you save gas and get all your purchases delivered right to your door or PO box. Don’t pay full price ever again!

         
    Saving for post secondary education

     

    Post secondary education is very expensive in North America and unless you are fairly wealthy will be a worry for most parents. Obviously, not all kids go onto University or College but if they do and you haven’t planned for it you could find yourself with a large financial burden. This would probably happen just when most families are looking at finally having some financial security A Registered Education Savings Plan - RESP - is vital for your financial health if you have kids who you feel may want to go into post secondary education. An RESP is government sponsored (Registered with Canada Customs and Revenue Agency) and is allowed to grow tax free. Money paid from the plan at maturity may be taxed as income for the student. The plans are administered by private companies/persons (Promoter) who will collect contributions and invest them accordingly. Up to $4,000 per beneficiary (student) can be contributed per calendar year, with a lifetime limit of $42,000 without any tax implications. Each student may have more than one plan but the limit is strictly per student. The most important aspect of the RESP's is that the Government will add 20% to the first $2,000 per calendar year ($400) up to and including the year of the students 17th birthday. This is called the Canada Education Savings Grant (CESG) and any amounts paid in are not included in the annual limit for tax purposes. The maximum a student can receive from CESG is $7200 over the lifetime of the plan. Any amount of CESG not claimed each year will accumulate as up to $800 can be paid if not previously claimed. If the RESP is not eventually used for educational purposes any CESG payments will have to be repaid to the government. To apply, the student must be resident in Canada and have a Social Insurance Number (SIN) which must be provided to the promoter at the plan inception. Also, the individual making the contributions will be required to provide their SIN. Types of RESP Plans There are 3 main types of Plan: Non-Family - There can be only one beneficiary but anyone (grandparents/godparents etc.) can make the contributions whenever they want for however much they want to pay. Family - There can be one or more beneficiary's as long as they are blood relatives or adopted by the person/s making the contributions. There are no restrictions on when and how much is paid in (apart from the tax implications of over subscribing). Group - These plans are normally offered by foundations who set how much is paid in and when. Each age group will have a particular plan and all members will take a share. There are some fairly complicated rules attached and should be thoroughly researched with the plan providers before committing. RESP Termination At termination/maturity, there are several options: 1. The intended student does not go into post secondary education. The contributions are returned tax free to the person who made them. The CESG is repaid to the government. Any income generated by the plan will be subject to taxation. 2. The student enrolls in a qualified program at a post secondary educational institution and completes the full program. Initially, $5000 can be paid from the plan, then after 13 weeks there is no limit to the amount paid as long as the student remains in the program. These payments are called Educational Assistance Payments (EAP's). The student cannot be receiving EI (employment Insurance) or the program must not be part of the students employment (an apprenticeship for example). 3. The proceeds can be transferred to another RESP. 4. The proceeds can be paid to a designated educational institution. More, detailed information can be found at onestopimmigration-canada/RESP. html

         
    Saving for your future

     

    We all know that we should save money. But something so easy to say can be quite difficult to actually do. Saving money is the basis of building your financial future. However, many consumers are putting it off one more day. Those days turn quickly into years of lost money. Without savings, the chances of meeting long-term financial goals and achieving financial security are quite miniscule. In order to save money, you have to control your finances. Saving has nothing to do with how much you make. It has everything to do with how you control your money. If you have lots of credit card debt and live paycheck to paycheck, you are not in control of your money. And you aren't saving for the future either. You have to spend less and save more. The two are tied together. In order to save, you have to start spending less. And it all really isn't that difficult if you just start doing it. First, sit down and write down your financial goals. Just ask yourself what you want from your money. Perhaps you would like to have a downpayment for your first home. Maybe you need a new car. Make long-term goals, such as retirement, and short-term goals, such as new living room furniture. Give each goal a dollar amount and a time frame. In order to save, you have to know what you are saving for. You have to have a reason to put your money aside. You will need to set up a seperate savings account. You probably know that leaving the money in your checking simply won't work -- you will spend it. Have a savings account that you can easily deposit or transfer money into. Many banks will set up an automatic withdrawal to your savings each month. This is a easy way to set it and forget it. It is paid just like any other bill. Over time, you will see your money start to grow. This is rewarding and exciting. Most people become motivated to save even more. Saving and investing can become addicting in a good way. You will find that a written budget is almost essential for saving money. You need to know where your money is going in order to make changes to the way you spend. A budget not only tells you where you are spending, but it can help you plan how you spend. Include into your budget a debt reduction plan, and your budget will make the most of your dollars. Budgeting is simple and doesn't require you to sacrifice your entire lifestyle. It is just a plan to get where you are going. If you do have a lot of credit card debt, you should focus spending your saving money on eliminating that debt. It would be wise to put a small amount aside for emergencies, but the vast majority of the money you are saving right now needs to be going to your debt. The reason why is simple. Why pay 20% interest on a credit card debt when your savings are earning 2% to 10% in interest. You are spending more than necessary. Wipe out that credit card debt first. It will save you more in the long run. A lot of people really boost their savings by putting their unexpected money into their savings accounts. Your bonuses, raises, tax refunds and overtime can really pump up your savings. You aren't having to spend even less or cut back more, but you are seeing your account balance rise. There is no real secret to saving money. You simply have to start doing it. That is often the hardest thing -- the first step. But once you see your finances begin to change and the interest start working for you, you will be hooked on saving for your future.

         
    Saving money simply

     

    : We all know how to spend our money, but do we fully understand how to save it? I am not talking about setting aside a reserve for an investment or rainy day purposes – both of which are good things – rather, saving money on everyday items. Here are some simple ways you can save money: Clip Coupons. You can save on your shopping excursions by clipping coupons. Some stores will even double or triple manufacturers’ coupons up to a specified amount [typically, one dollar] as an added incentive to bring you in. Comparison Shop. The worldwide web gives shoppers the opportunity to compare prices and shop right online for almost any product available. Order online if the item is cheaper than ordering in person. Don’t forget to take into consideration shipping, handling, and taxes when ordering via the web, however many online retailers offer free shipping and taxes are not always universally assessed. Energy Efficient Appliances. Your old refrigerator or washer is an energy eater.

    When you shop for a new unit, check to make sure that the energy rating is high. Do not, however, pay hundreds of dollars more for a product if only a slightly higher energy rating is promised. Learn which models produce the highest possible energy rating for the money. Get Free Samples. Manufacturers enjoy giving away samples of their products.

    Sometimes all it takes is a letter or an email to the appropriate department and your freebie will arrive in the mail in the form of merchandise or as a coupon allowing you to purchase the item locally for free. Shop The Clubs. Warehouse clubs such as BJ’s, Sam’s Club, and Costco offer savings that shave 10-30% off of supermarket prices. Many take coupons too! Sssh! Go To The Library. The big book retailers offer a wide selection of books to their customers.

    However, you may be able to find that same title at your free public library. If not, ask a librarian if she would order the book for you. A free book is better than the $30 you would have paid for a bestseller, plus latte! Use it Again; Recycle. Maybe the item you are tossing can be used again.

    If you definitely have no use for it, sell it at a garage sale [or online via an auction site] and keep the earnings. In any case, you are contributing to a clean environment by not adding to already overcrowded landfills. There are many other ways for you to save even beyond those that I have mentioned.

    All it takes is a little bit of imagination and some initiative and you will soon find yourself saving money on in ways you previously did not think of.

         
    Saving money around the house

     

    You spend the most time there, so it makes sense that your house represents your largest expense. Whether it is the day to day upkeep, and operating expenses, repair projects, or the rent or mortgage payment, you allocate a big portion of your income to your home. Because you spend so much money on it, take advantage of the following tips to start trimming your budget. If you want to possibly save hundreds of dollars a year on your electric bill, make sure that any new appliances you buy are energy efficient. You can find this information on the Energy Guide Labels that federal law requires of all major appliances. Call your utility program and ask them if they have any cost saving programs such as load management programs or off hour rate programs. Enrolling in these could save you a substantial amount of money. Ask your electric and/or gas company if they do a free or low cost home audit. They can identify ways for you to save hundreds of dollars a year on heating and air conditioning and often they will help you implement their suggestions for free. Go over your phone bill and see if there are charges on it for services you don’t use, like three way calling or call waiting. You can save about $50 a year if you eliminate unused services. When the fireplace is not in use, keep the flue damper tightly closed. A chimney is designed specifically for smoke to escape, so until you close it, warm air escapes—24 hours a day! If you use electricity to heat your home, consider installing an energy-efficient heat pump system. Heat pumps are the most efficient form of electric heating in moderate climates, providing three times more heating than the equivalent amount of energy they consume in electricity. A heat pump can trim the amount of electricity you use for heating as much as 30% to 40%. You can cut the amount of water you use showering in one year in half, by installing low flow shower heads. Insulate your water heater and turn the thermostat on it down a few degrees, to save quite a bit on your bill. Carefully placed trees can help to heat a cool your house. Studies show that just 3 trees strategically planted to give shelter and shade can save you up to $250 a year on heating and cooling. Provide high efficiency lighting to your home by using linear fluorescent and energy efficient fluorescent compact lamps in your fixtures. They last 6-10 times longer and use less energy. Use solar pathway lights in your yard to provide nighttime light. It costs less than using electricity to run security lamps. Refrigerators with freezers on the top are more efficient and therefore more cost effective than those with freezers on the side. Switching your washing machines temperature from hot to warm or cold cuts a loads energy use in half. Gas dryers are less expensive to operate than electric dryers. The cost of drying a typical load of laundry in an electric dryer is 30 to 40 cents compared to 15 to 25 cents in a gas dryer. That savings adds up over the course of a year. When you are drying jeans in the dryer, throw a towel or two in with them. The towel will draw moister from the jeans, cutting down on dry time. With a little thought and minimal effort you can save hundreds of dollars a year around your house. Start saving today, and imagine how much more money you will have in your bank account in the future.

         
    Saving money at the pump

     

    A recent report in the Financial Times predicted that the average price for a gallon of gasoline in the United States may soon reach $3.00 . . . that's the bad news! The good news is, skyrocketing gasoline prices have caused many Americans to start looking for ways to either cut back on the miles they drive or find ways to make their cars more fuel efficient. That's good news because these fuel-saving attempts and attitudes will help reduce the fuel emissions that regularly foul our atmosphere. The question remains, just what do we need to do to spend less on gas and reap the reward of cleaner air; a few tips follow: Get your car in shape A well maintained car will burn less gas than one that has been neglected: 1. Keep your tires properly inflated; check your car's user's manual or look for the sticker that gives you the recommended tire inflation pressure. If your tires need replacement, look for tires that are rated as LRR (Low Rolling Resistance). Proper tire inflation along with the LRR tires will be your biggest fuel savers. 2. Change your motor oil at the manufacturer's recommended intervals and be sure to use the recommended 'weight' (viscosity) motor oil. While changing your oil, change the oil filter and check the engine air filter -- the air filter may not need to be changed every time you change your oil but it should be checked every time. 3. When you buy gas, pay attention to the octane rating marked on the gas pump -- it should fall within the octane range recommended by your car's manufacturer. 4. Buy your car a 'tune up' at the manufacturer's recommended interval -- on modern cars a tune up is mainly replacing the spark plugs, checking the engine timing and checking the spark plug wires. Drive smart How, where and when you drive are equally important factors in your attempt to save gas money and keep the air clean: 1. Do you really need to drive? Every trip to the store does not require car keys; walking a couple blocks will not only save your gas money it will help keep you in good health. More than just a couple blocks? Dust off your bicycle (or buy one) for those trips that are not more than two or three miles. Also consider public transportation and car pooling to and from work as gas-saving alternatives to your ignition key. If telecommuting is an option for your job, take it! 2. If you do need to drive, plan your route! Sometimes the shortest route has the most traffic congestion so you are wise to take the longer, less-traveled route to save gas by not being stuck in slow traffic. If possible, arrange your work schedule to allow you to drive to and from work in less congested traffic. 3. Slow and steady wins the race.“ When pulling away from a stop light or stop sign, go easy on the gas pedal and gradually increase speed -- jackrabbit starts are really bad for fuel efficiency . . . sudden stops don't help either, if you find yourself jamming on the breaks, you are driving too aggressively -- slow down and 'mellow out'!. When you're finally on the highway, keep your speed at the posted speed limit and, if you have a cruise control use it. Some other fuel saving tips 1. Don't spoil your car's aerodynamics by placing luggage or other things on top of your car. 2. Keep your car windows closed; in the summer air conditioning won't effect your gas mileage as much as open windows. 3. Travel as light as you can -- more weight in your car equals poorer gas mileage. 4. If you rent a car you'll be buying your own gas so rent the most fuel-efficient car available. 5. If you are ready to trade your car in for a new one, give serious consideration to a hybrid vehicle or at least a vehicle with the best gas mileage rating you can find. Rising gas prices will probably be with us for quite a long time so take some of these tips to heart to save money and save our environment.

         
    Saving money on magazine subscriptions

     

    If you are interested in subscribing to a magazine or different magazines, you may be wondering how you can fit the costs of subscribing to a magazine or magazines into your overall budget. In this day and age, many people find it very difficult to make ends meet, to maintain a wise budget. They simply do not have a great deal of discretionary money to be used on such things as magazine subscriptions. With that said, there are some ways in which you can save money on magazine subscriptions. One of the easiest ways you can save money on magazine subscriptions is through the Internet and World Wide Web. There are now many websites in operation that offer magazine subscriptions at reduced costs. In addition to websites that market magazine subscriptions at reduced costs, there are also Internet websites that market magazine package deals. In other words, you can obtain a number of different magazine subscriptions that you might not otherwise be able to afford for a low cost. In the brick and mortar world, you can stop by the local bookseller and visit the magazine section. By flipping through magazines, you can find subscription cards that offer reduced costs for subscriptions to these publications. For example, they might offer upwards to 75% off the regular price for these magazines. Also keep in mind that by subscribing to a magazine for an extended period of time, the publication likely will knock a good deal of money off of the overall subscription cost. For example, you can save a great deal of money by subscribing to a magazine for a period of three years as opposed to a single year subscription. Finally, there are some charities that sell magazine subscriptions to raise money for their work and causes. In this regard, these magazines are made available to people at a reduced cost. In addition, a part of what you pay for the subscription is donated to the charity in order to allow it to further its good works. When all is said and done, by taking the time to shop around, you can save money on magazine subscriptions. You will be able to work the costs of receiving magazines into your overall budget. By keeping an open mind as to where to look for reduced costs magazine subscriptions you will be able to have the publications that you want at a price that you truly can afford.

         
    Saving money online with digital coupons freebies and comparison shopping

     

    The Internet is a great invention for many different reasons. But, did you know that it can be a great resource for saving you money when shopping? You no longer have to clip coupons out of the Sunday paper; you can find them right at the tip of your fingers just by knowing where to look! Coupons One of the easiest ways to save money on the Internet is by printing online coupons. All you have to do is type the search criteria "online coupon" in your favorite search engine and you are on your way to savings! Here are some examples of great online web sites that help you save money: CouponSurfer CouponSurfer has almost 300 coupons from over 100 stores on their web site. Do you need new brake pads on your car? You can save up to 50% just by filling out the free registration form at CouponSurfer and printing their coupon. Other recent savings at CouponSurfer were a 40-cent coupon from Tropicana, a 50-cent off coupon from St. Joseph's aspirin, and coupons from Pampers. Hot Coupons Hot Coupons lets you type in your zip code or city name to find discounts offered in your area. You can find savings for local restaurants, automotive centers, health centers, retail stores, and businesses including real estate, lawyers, hotels, and doctors. Also, pay attention to television commercials. Many times, companies coming out with a new product will advertise on television and list a web page where you can print a money saving coupon. A recent commercial from Febreze listed their web page address. By going there, you can fill out a form and have Frebreze mail you $20 in coupons for many of their products, including their latest electronic air freshener, NOTICEables. Coupon Codes There are also web sites that offer a percentage off online purchases. Ultimate Coupons is a great example of this type of online savings site. Ultimate Coupons constantly updates their site with the latest in online savings. A recent search showed coupons for 10% off at Target, 15% off Pet Supplies at Petco, and $5 off $20 on Digital Photos & Gifts at Snapfish. Many times, if you search online, you can also find codes for free shipping to places like Macys, Sears, Amazon, and Old Navy. Freebies Many web sites have user forums where people can share online savings and free offers with each other. Big Big Forums is an excellent place to visit to find coupon codes, freebies, and reward programs. Members (there are over 31,000) post different offers they have seen on television or found online. There are folders for each particular type of offer, so it is very easy to find things here. Once you register for free, you too can post coupon codes and freebies. You may even be lucky enough to get in on a free subscription to a magazine such as TV Guide or link to a free Schick Quattro razor. Comparison Shopping A great feature of many Internet web sites is that they will give you price comparisons of items for which you are looking. Froogle is Google's shopping search engine. All you have to do is type in the name of what you are looking for and Froogle does the rest! It will find web pages selling the item you are looking for and lists the price. That way, you can find the best deal available. There are several other web sites that will help you to do comparison shopping such as MySimon and Bizrate. Letting these sites help you find the best price can make every online shopping experience enjoyable. Other web sites can save you money online too. You can refinance your home loan and find the lowest interest rates by searching at Ditech or search for the cheapest car insurance at Geico. How do you learn about all the sites available? The best way is to pay attention to the mediamercials, newspapers, and magazines are always listing web sites. Also, join a forum such as Big Big Forums. When people share ideas and resources, it can be great for your pocketbook. Remember that every coupon and savings opportunity adds up!

         
    Savings accounts retire in style

     

    We all look forward to the day when we can give up work – but to ensure your retirement is comfortable you will need to prepare for it carefully. Putting a proportion of your earnings towards a pension may seem like a drag right now, but realistically you will need to save for as long as possible to gain a decent income in later years. Not only this, but there are substantial benefits to saving into a pension – you’re not taxed on contributions and there may be additional extras such as life insurance or lump sums included in your scheme. These days people are investing more and more in private pension schemes and long term savings – the state pension is likely to become negligible with an ageing national population. State Pension At present, the basic pension for a single person is Ј82.05 a week. This depends on you having made sufficient National Insurance Contributions over your working life. Even if you have paid off your mortgage by the time you retire, would this be enough for you to live on? Bear in mind that the age when you can claim your pension (currently 65 for men, 60 for women) is highly likely to rise in the near future, and keep on rising. Company Pensions Employers are likely to offer some form of pension scheme. The terms and details of these vary from company to company, but usually fall into one of two basic types: ‘final salary’ schemes, based on your salary and how long you’ve been paying into the pension; and ‘money purchase’ schemes, which depend on the amount contributed into the fund. When you retire, you then buy an annuity – a type of insurance which will pay you a regular income. A money purchase scheme can be more flexible, but slightly more risky. Personal Pensions These schemes offer a lot of flexibility, and there are several different ways to invest, including investment trusts and unit-linked schemes that depend on share prices. Personal pensions operate in roughly the same manner as company pensions, only you have more control over your investment. Currently there are limits on the contributions you can make to personal pensions, but these are set to change in 2006. The rules on pensions are changing all the time, and are likely to undergo radical changes in the next few years. For up to date advice, check the Pensions Advisory Service at pensionsadvisoryservice. org. uk

         
    Savings bond makes life simpler

     

    The modern socio-economic scenario has made life really very complicated for us, as we all have to run after money to make ends meet. In this age of rapid commercialization of economy, we are always running short of cash no matter how much we earn. As the economy scale new highs aggressive consumers are always busy exploring new ways and means to augment their income. For spendthrift people it may however turn out to be an arduous task to save money. Therefore, it makes sense to invest in saving bonds so that you never reach a stage of bankruptcy and always have some cash to fall back upon in times of need. Industry experts strongly recommend consumers to use saving bonds as a reliable means of letting your money grow at an amazingly fast pace. According to a recent media report, savings bonds currently bring greater benefits than many savings or money market accounts. With savings bond you can solve all your monetary woes. Savings bond takes care of your child's higher education or even your post retirement ordeal. Some of the advantages of investing in saving bonds are as follows - - The monthly interest rates on savings bonds accumulate on a monthly basis. Savings bonds offer enviable rates of return in comparison to other bonds. -Savings Bonds come with a particular registration number so that they can be easily be replaced in case it is stolen or tampered. -You do not have to dig deep into your pocket to buy a savings bond. You have to shell out as little as $25 to get a savings bond. -Another unique feature of saving bond is that they are easily exchangeable. You can get cash out of your bond easily in case of an emergency. -One of the greatest benefits acquired from investing in savings bond is tax exemption. The interest amassed on savings bonds is free from all state and local income taxes. -Last but not the least, savings bond act as a great balancing factor to your existing investment folder paving a way to start building your own capital. This unique feature of the savings bond gives you enough room for diversification of funds. There are a variety of savings bonds on offer. You just have to do a little bit of market research to find out which one suits your bill perfectly. Riding on its highly beneficial factor savings bonds have really emerged as a preferred investment option everywhere. Series EE or Series I bonds are the safest bet amongst all categories of savings bonds. Savings bonds have undoubtedly emerged as the best add-on to your investment portfolio. Therefore, if you want to make your life simpler with little financial worries then investing on savings bond is a must. Your post retirement life or child's' higher education expenses may not seem to be at all difficult after investing on savings bonds. So, get ready to outsmart your peers by investing on savings bonds and it will save you from unnecessary harassments and gift you a secured peaceful life in return.

         
    Say bah humbug to holiday debt avoid the holiday hangover

     

    Ah, the holiday season! Turkey and dressing, pumpkin pie, office parties, jingle bells, and lots and lots of eggnog make the season a delight. But all fun and reindeer games aside, you have to be careful to make sure you don't wind up as poor as Tiny Tim! Americans can spend as much as $1,000 a year on gifts for family, friends and business associates. That is a big chunk of money that can hit you pretty hard come January if you don't plan ahead. There are some tips and tricks you can do to keep your holidays bright and debt-free this year. Before the holidays arrive, do some careful plotting and planning for family and business expenses. A few hours spent in preparation can mean less money spent on gifts. You don't have to be Scrooge, you just have to be smart. 1) Decide how much you are willing to spend, and stick to it. Pretend you are spending cash. How much can you afford out of pocket this month? If you cannot afford it right now, consider that you cannot afford it at all. 2) Budget non-gift and after-Christmas items too. Remember to include other things you buy over the holidays - cards, stamps, candles, a tree, decorations, and food galore. Plus, plan ahead to save some money for next year by taking advantage of after Christmas sales. It is all part of your holiday spending, so plan for it in your holiday budget. 3) Make a list of everyone you will be buying gifts for and estimate how much you want to spend on each person. Include the smaller gifts for teachers or your mailman. Include the price of cards and stamps, because Christmas cards count as gifts when it comes to your budget. Then, add it up and compare the total to your budgeted amount. Make the necessary adjustments. Your brother-in-law may only get socks this year. 4) Cut down your list. This may sound harsh, but look closely at who you are buying gifts for. When saving money is an issue, it is ok not to give gifts to everyone you know. Send only cards to distant relatives, neighbors you don't know well and business owners who haven't bought from you this year. 5) Be creative. Determine if some people would be happy to receive home baked cookies. Remember, the holidays aren't about presents but about good will towards man. Good will comes in many forms and does not always need wrapping paper. If you have a skill or a hobby, use it: needlework, knitting, art or poems. Make a photo album, or offer to plant their garden. Use discount coupons for your customers. 6) Carry your shopping list with you. Take every opportunity to shop. Start early and try to get things before the rush, before highly sought, hard-to-find items go up in price, and before you can't find what you need. This gives you a chance to comparison shop. It also takes away some of the stress and reduces your risk of overspending just for the sake of finishing your shopping. 7) If a store offers free gift-wrap, go for it! It'll save you time and money on buying wrapping paper, tape, bows, and cards and struggling with it all yourself. 8) Have willpower. Stick to your estimates and you won't go over budget. eBay is a wonderful shopping tool if you remember to start early enough to account for shipping time. Find the right item, bid your budget price and leave it. If someone outbids you, don't get into a bidding war, just bid on something else within your price range. 9) Increase your income for the season. During the holidays there are lots of ways to make a little extra money. Many stores hire part-time workers for the holidays. Since it is a party season, babysitting is in high demand. Be imaginative. You could be the Official Gift Wrapper in your neighborhood and wrap gifts for friends and neighbors for a small fee. 10) Use your credit cards. Yes! If you stick to your budget and only spend what you are able to pay for in the next 30 days, then yes, you CAN use credit cards. The key is to use them as you would cash. Using your credit card is not a way to buy things you can't afford, it is a way to organize your spending and possibly get some rewards and discounts along the way. 11) Make the credit card companies compete for your business. It may be the holidays, but you can dig in your heels and play hardball. Call your credit card bank and tell them you won't be using their card for your holiday purchases unless they sweeten it up for you. You want a little sugar and spice to make using that card a better deal. You can ask for 0% interest, double your gas points or flyer miles. Anything to make using your credit card more worthwhile. Banks will usually be willing to strike a deal with you, so long as you try. It can't hurt to ask. 12) Use specialized credit cards, but carefully. Many of the stores where you will be buying your holiday gifts offer their own credit cards. They tend to have ridiculously high interest rates. However, they may give you discounts of 10%, 15%, sometimes even 20%! So, you could actually go ahead and use a store credit card to make the purchases and get the discounts, since you are paying these off when the bill comes due the interest rates should not be a problem. If you do get into a pinch and can't pay them off right away, then transfer your balance to your lower-rate credit card before any interest is added to the higher-rate one. You need to be on the ball with this trick, but it may save you money. It is important to keep in mind that every new credit card you apply for will lower your credit score. So if you're saving up for a mortgage or a large loan, you'll want to avoid applying for additional credit. Come the start of January, your main concern is going to be getting ready for the new year, and you won't want post-holiday money troubles making things worse. The Ghost of Christmas Past starts visiting even before you put the tree in the trash. Be sure to have a Happy New Year by being money-wise in advance. (c) 2005 DebtGuru(r). This article may be freely distributed as long as the signature file and active link are included.

         
    Seven tips to get the best discount car rental

     

    Contrary to popular belief, car rental rates are not set in stone. Often, discounts can be found by doing your research, and simply asking for them. Rental companies are eager to rent out cars they are not using. Cars sitting on a lot are not making them any money. Here are some tips to get best discount car rental rates 1. Do your research. Car-rental research can be done online, on the phone, or by reading newspapers magazines or even your mail. It is important to compare the rates from various car-rental companies. Most car-rental companies web sites, where they will show you rates for various locations. Also check the travel comparison web sites to compare companies against each other. You can also get on the horn to the car-rental companies, but this takes more time. Check the business and travel sections of your local newspaper and check the inserts in your credit card bills. Often, you will find discount coupons in those places. 2. Book early. If you are planning your trip several months in advance, check car-rental prices available at that time. If you find what you consider fair, go ahead and lock it in. You can change it later, if you find a better rate. Many times, car-rental companies will give deep discounts to early renters. 3. Book late. As the time for your trip approaches, car rental discounts may be found as car-rental companies try to unload their excess inventory. Like I said, cars that are just sitting around aren't doing anyone any good. 4. Pick your car in town. You pay a price for the convenience of picking up your car at the airport. Ask your rental car company, about how much it would cost to pick up your car in town. Normally, free shuttles are provided from the airport to the car-rental location. 5. Get the smallest car available. Determine the number of passengers traveling with you and the amount of their luggage, then get the smallest car that you will all comfortably fit in. Ideally, the car-rental company will be out of this car and will upgrade you for free to the next higher class. You can also ask about complementary upgrades. 6. Ask about discounts. Ask your car-rental company if there are discounts for a weekly versus a daily rental, or if there are discounts for memberships such as AAA, USAA, AARP, or other organizations. If you work for a large company, ask about corporate rental rates. 7. Gas up your car before returning it. I remember when car-rental companies would charge more than three dollars a gallon to gas up your car up on return. These days, that would almost be worth it. However, car-rental companies are charging a whole lot more than that for a gallon of gas. You can save a lot of money by putting the gas in yourself on your way to return the car. By following these tips, you can get a better rate on car rentals just about anywhere in the world. Have a great trip!

         
    Should i look for financing before i make a major purchase

     

    Yes, yes and yes! Get your financing before you start shopping for a home, vehicle or other major purchase. By doing this beforehand you’ll save yourself lots of money! Not only that, you’ll be in a great position to negotiate your purchase with the seller. There are so many ways that you can shop for your financing these days. Here are some tips and information to assist you with finding out where you can start looking for your financing needs: 1) Using the internet is a great way to do research on your financing. The internet provides you with an array of financing options to choose from. You get to check on what company provides you with the best interest rate for your needs. You’ll even find financing options you didn’t even realize are available to you. 2) Your own bank. Go to your bank and apply for the financing you need. Get pre approved for your loan prior to making your purchase. What better place to secure your financing than your own bank! You’re banking with them so why not consider giving them the opportunity to help you with your major purchase. Just make sure the interest rate their charging you is a good one! 3) Consider credit union financing. Sometimes you’ll find lower interest rates for that major purchase you’re trying to make via a credit union. Credit unions are also competing for your business as well and have become major players in the financial world these days. This is good, because you have another outlet to secure your financing from. 4) Check your local newspaper, phone book and other media sources for prospective companies that provide financing that you may consider using. 5) As a last resort, consider using the seller’s financing provided. The seller may have competitive interest rates you may be interested in applying for to make the major purchase you’re interested in. So as you can see, there are several financing options available to you to secure your financing before you make your major purchase! You’ll have the edge on your seller when you’re getting ready to make your purchase. Yes that’s right! You can negotiate how much you’re paying for that home, vehicle or other major purchase before you sign on the dotted line. You’re in the driver’s seat because you have your money already, remember you’re already pre approved! So, let the negotiations for your major purchase begin!

         
    Should i save mad money for a rainy day

     

    Yes, this is a good idea! I know you want to know what is mad money? Well, a long time ago this term came about when a young lady went out with her friend to a party and her friend left her at the party with no way home. So, the young lady was mad with her friend that left her at the party and luckily for her, she had money stowed away in her shoe to take a cab back home. She thought to herself on her way home in the cab, that it was good that her mother had taught her to always have money set aside for emergency situations such as this! Thank goodness, this young lady had the forethought to stash her mad money away so she could take a cab back home, since her friend left her in a lurch. Get the point? Having an emergency fund whether it be mad money or saved money is important for you to have. You say, how do I go about doing this? Well, you can read these tips to help you learn what you can do: 1) Set up a savings account specifically for your emergency fund or mad money fund. Whatever you want to call it, just establish one! 2) Deposit a certain amount of money on a weekly, biweekly, or monthly basis in your account. You may want to set up automatic deposits to your account via your payroll department. Or, you may want to have your bank automatically withdraw a certain amount of money from your checking account into your emergency or mad money savings account. 3) Try to save at least 2-3 months of your monthly salary to cover your bills for at least three months if you were to loose your job. This amount of time will hopefully allow you the cushion you need until you secure new employment. 4) The money you save in your emergency or mad money account should be used for household emergencies, personal emergencies or if you’re no longer able to work. Don’t use it for other expenditures such as bills, travel, etc... Get the idea? It’s a savings account that you don’t want to touch unless it’s absolutely necessary! 5) Make sure the bank account you put your emergency or mad money into, is paying you the most interest you can earn for this account! Research as many sources as possible on securing the best interest rate you can get. Check with your bank, the internet, newspaper and other sources for the prevailing interest rate. You want to make sure your money can be accessed easily and quickly if you need it for an emergency! By establishing an emergency or mad money fund, this will give you a better peace of mind if you need access to money when there is an emergency in your life. So, the sooner you start setting money aside for a rainy day, the better off you will be! Make sure the amount of money you contribute to your emergency or mad money fund, is realistic for your budget. Save as much as you can without upsetting your overall personal or family finances. So go ahead, get started today!

         
     
         
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