Things to Consider Before Getting a Store Credit Card

If you are thinking about getting a store credit card for the upcoming shopping season or school year there are a number things to consider before getting a store credit card. A store credit card may be a great idea and exactly what you need there are many differences between cards and they vary greatly from store to store.

You should be aware of things like grace periods, the regular interest rate, any special promotional rates, annual charges and possibly special discount rates. Don’t get caught signing up for a credit card that doesn’t suit your needs. It could end up costing you more than actually saving or helping. Read through the article linked below for seven important things to consider when getting a store credit card.

Things to Consider Before Getting a Store Credit Card

As fall turns into winter, and malls become filled with holiday shoppers, retailers will make it a point to offer customers a store credit card as they check out. Typically, such offers come with some sort of a sign-up bonus in the form of a discount …
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Tips on How to Save Gas Money

If you are a frequent car user like myself then you are well aware of the costs associated with maintaining your vehicle and more importantly the cost of gas. Gas can be one of your larger expenses in your budget if you have a long to commute to work or travel frequently. Here are a few tips to help you save money by cutting down on your gas and fuel expenses for  your car or vehicle.

Save Gas Money Tips

1. Make sure you tires are properly inflated. Riding on tires that are either over or under inflated will cost you money. Look for the sticker inside your car door, on your tire or in your glove box for the proper inflation numbers.

2. Get rid of extra weight in your vehicle. You wouldn’t hall a trailer around all summer so don’t fill your trunk with heavy items.

3. Gas Buddy. About two months ago I downloaded this free app for my iPhone and glad I did. It takes two seconds to get the latest gas prices. The app relies on users submitting gas prices and it works. I don’t go to the same place any more out of habit. I go to the cheapest and closest.

4. Don’t buy gas after Wednesday morning. I run an errand every Wednesday morning and noticed that by mid-morning gas prices were shooting up. I searched online and this is true. Gas prices creep up after Wednesday morning as we move towards the weekend.

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Tips to Save on Auto Insurance

We added a new vehicle to our auto insurance plan this week. It had been awhile since I dealt with our auto insurance policy so I did a little digging on tips to save on auto insurance as we went out and purchased our new vehicle. I learned a thing or two about what effects our car insurance rates and and how to save a few pennies as well.

Tips to Save on Auto Insurance

1. Before you buy a new vehicle call your insurance company and get an idea on what the rates are like for that particular model. Some vehicles charge a higher premium because of engine size, theft rate and accident rate. You might want to think about buying that Lamborgini if you can afford the insurance.

2. Shop around for rates once you have picked our your vehicle. Rates may not differ much from company to company but any money you can save is a benefit to you. Get a number of quotes and ask about loyalty programs or when your “new customer” discount runs out.

3. A higher deductible means lower rates. A standard in my area is a $500 deductible. Am I really putting a claim in for something in the $500 range? Not a chance. I upped my deductible to $1000 because I can afford that and I am not putting a claim in on something small.

4. Bundling your home and auto insurance with the same company will save you money. Most insurance companies offer discounts for bundling.

5. Do you need collision on an older vehicle? Consider your deductible amount the value of your vehicle. If you can afford to fix your older less valuable car then you may be paying more insurance then your car is worth.

6. Ask if your company offers discounts for secure parking. My company offers cheaper rates if my car is parked indoors and at work where the parking lot is monitored by security cameras. Ask about any other situations that may present discounts.

One last thing. Don’t drive like an idiot. Drive safe. You are not Goggles Paesano driving home on the free-way.

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Easy Energy Saving Tips

Our energy company recently sent us a little gadget that monitors our electricity use in real time. It shows you spikes when certain appliances are in use and not in use. It was certainly telling to me how the spikes rose when my refrigerator and air conditioning were kicking in. In light of this I present a couple of easy energy saving tips that may save you money as far as your air conditioner and refrigerator are involved.

Easy Energy Saving Tips – Air Conditioner

1. You have to have the right air conditioning unit for the size of space you are trying to cool. If you have too large a unit for your space then you may be wasting electricity.

2. Make sure any appliance you purchase has an energy wise or energy efficient sticker and rating. Most newer items you purchase these days will have an energy star rating which adds up to savings. You might want to consider replacing that old unit.

3. Make sure you regularly clean the filter. A clean filter will mean that your unit doesn’t have to work as hard pushing air through.

4. Use a timer. If you have a standalone unit you can purchase an inexpensive timer from any hardware store. I use one that over 20 on/off times and it was less than $15 to buy.

5. Placement. Make sure your air conditioner is in an open spot where it can easily cool your areas and keep it away from other warm appliances like lamps or entertainment units. They may confuse the unit into thinking the room is hotter than it actually is.

Easy Energy Saving Tips – Refrigerator

1. Do not overstuff your refrigerator. The air needs to circulate to work properly. Overstuffing will make it work harder to keep things cool. Conversely, you should overstuff your freezer. If you have frost building up on the sides you should defrost it and then stuff it. I put a pillow or old blanket in my freezer.

2. It may sound simple but leave your food out to cool before you put it in the fridge. You wouldn’t put a heater in your fridge so why put hot food.

3. Keep your fridge away from any walls or obstructions. They need air to circulate behind them to operate efficiently. It can get warm behind a fridge and you don’t want the heat to build up, it will make your compressor work harder.

4. Clean and dust out underneath your fridge and around the compressor area. Just make sure you have the fridge unplugged.

These are a couple of easy energy saving tips that require little or no work at all but will save you money.

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