If you were to ask anyone who works at your local post office when the busiest time of the year is for them, hands down, they are going to tell you that it’s the holiday season. That’s because it’s the time when people are standing in line in order to ship presents to their loved ones all over the country and sometimes even the world. If you plan on being one of those people, then you’ve come to the right article. That’s because we actually want to provide you with a few failsafe tips on how you can save money...
When considering where to keep your money and bring your business, there are lots of options available such as local and national banks as well as credit unions. Often, credit unions are a great option since they provide incentives to customers in the form of rewards, money, discounts and scholarships. If these benefits interest you, a credit union membership may be right for you and your financial needs. Here are the 5 major credit union member benefits. Credit union membership can often provide you with college scholarship opportunities that are exclusive to credit union members. College is a huge expensive and investment,...
Owning a home can come with its list of challenges. Many of these challenges have to do with upkeep, maintenance and general chores. However, some of the challenges have to do with fiscal responsibilities. Not only does home maintenance cost money, you also have to worry about insurance, fees, utility expenses and much more. As a homeowner, preparing for these costs is important if you want to devise your budget accordingly. And for people thinking about purchasing a home, it is critical to know what some of the miscellaneous and necessary expenses are so that you can be sure that...
As a homeowner, it is essential that you have him insurance to protect you, your family and your assets. While it is a necessary expense, you don’t need to pay excessive bills every month. With some research and action, you can reduce you bill to help make it more affordable for your budget and your lifestyle. Here are 5 easy and effective ways to reduce your homeowners insurance bill each month. First, never settle for continuously paying your current rate. If the cost is out of control and unfeasible for you, you can do something about it! Even if you...
If you’re someone who happens to live in apartment, while it does tend to come with certain benefits (like having a landlord who is responsible for your repairs), the reality is that you’re paying money, each month, to simply rent out the space. So, if you happen to be someone who is looking to put money in a savings account towards a new house or if you simply want to keep as much money in your wallet as you can, it’s important that you know about some easy and effective ways to save money on apartment living. We have provided...
There are commonly two steps in the car buying process. There is the part where the dealer uses his or her powers of persuasion to make you fall in love with the vehicle and then once you are ready to buy, you will be moved to the finance department. This is the part of the vehicle buying process where you become a little surprised by all the additional car fees. Some of these fees are appropriate and have to do with taxes, but some have to do with profit margins. Basically, some of these fees are implemented for the sake of...
When you run a small business, your time, money and resources are precious. It is no wonder, therefore, that many small business owners choose to reduce hassle by outsourcing their payroll. Payroll can be time consuming and detail oriented, so often it is much more effective to hire the pros to handle your payroll so that you can focus on running your business and doing what you do best! Here are the top 5 tips for small business employers that want to outsource their payroll. The best way to find a payroll service provider is by word of mouth or...
It’s not always easy to tell the difference between good lawyers and bad ones, but if you get plenty of references, your attorney has a strong history of wins in cases like yours, he is quick to reply to your calls and he patiently answers your questions, he offers you options to do things on your own as a way to cut costs, and most importantly, you feel comfortable and cared for as a client, then chances are you’ve found a lawyer you can trust and rely on. And there are a variety of ways that this type of professional...
Nobody relishes the idea of preparing their annual income tax filing, but it’s something we all must do in order to avoid fines and jail time. We may end up giving a fair chunk of our earnings to the government each year, but we get to live in a country where we are granted unparalleled freedoms. And when you look at how much Canadians pay, 20-25% doesn’t seem so bad. In any case, you can at least lessen the burden of time you devote to your taxes come April by doing some prep work ahead of time. Here are just...
Long-haul trucking is a tough industry, no doubt about it. Not only are the hours long and the deadlines tight, but you also have to deal with paperwork, weigh stations, protecting your cargo and getting it to its destination in one piece, and the dangers of inclement weather, bad roads, and other drivers, just for example. Then there are the psychological and physical hardships that come from sitting by yourself in a truck all day, eating at roadside diners, and leaving your family behind for days, weeks, or months at a time. On the upside, trucking companies often provide decent...
When choosing a car insurance policy, you will want to get the best rate and price possible to help making driving your car on a regular basis safe and much ore affordable. One of the best ways to save a significant amount of money each month on your car insurance is to apply and qualify for safe driver insurance discounts offered by many car insurance companies. Here are some tips about how you can qualify for a safe driver insurance discount. First, be sure to keep your driving record clean. Often if you are found to be at fault for...
Starting a franchise can be a great way to open a business with a solid infrastructure and brand recognition already built in. In terms of marketing, the cost savings are enormous when it comes to opening a franchise. However, you still need some health startup capital to start your franchise, especially for fees, licenses, construction costs and other miscellaneous expenses. Yet, if you are careful, there are numerous ways to save money on your franchise’s startup costs. Many franchisees make the mistake of jumping the gun and spending too much money on some of these initial expenses, but these financial...
Do you have a dream of restoring that old classic in your garage? How about an old junker sitting on a street corner that could be brought back to life? Rebuilding a classic car is one of the best ways to own a beautiful, vintage automobile without the big sticker price that you would find at auto auctions and antique dealers. Indeed, there is a lot of work that goes into rebuilding a classic car, but it can totally be worth it. Moreover, one of the biggest things holding people back from a total car restoration is the investment. But the truth...
With a little creativity and resourcefulness, you can find a good paying job – even without an advanced degree. Most people will tell you that you need an advanced degree to get anywhere in life, but this just isn’t the case. When it comes down to it, there are employers out there that simply want smart creative thinkers that can be an asset to their work environment. Plus, there are some jobs that don’t even require you to visit an office at all. So, if you have a special talent or if you have a love for a specialized field,...
Many people dream of living the high life. However, many people just don’t have the money to travel like the deep-pocketed jet setters of the world. The truth is, though, that just because you don’t have the capital, it doesn’t mean that you can’t experience a luxury travel experience. With a little bit of resourcefulness and creativity, you can see parts of the world that you have always dreamed of seeing. Plus, you can take modes of transportation that you have always dreamed of taking. When it comes down to it, if you look hard enough and do your research,...
Building a new home is a very exciting process. You get to customize the house to your specific wants and needs. At the same time, you can to watch the process from start to finish, for a special and one of a kind experience. While this is an exciting time, it can also be stressful and expensive if you don’t plan ahead properly. Here are 5 smart money-saving tips you need to keep in mind when constructing your new home. Set your budget and stick to it. When planning your budget you will need to factor in various expenses and...
Although there are a lot of things about the summertime to enjoy, if there’s one that none of us looks forward to, it’s the increase in our energy bills; ones that are usually directly related to how much we use our air conditioner. In fact, it’s during the summer months that many of us find ourselves spending more money on electricity than any other time of the year. The good news is that there are a few things that you can do that will help to cool down your air conditioning costs. If you’d be interested in knowing what some...
Dealing with a seemingly uncooperative health insurance company can be incredibly frustrating. While health insurance policies are just trying to protect their assets, it can be hard when an agent tells you that he or she will not be resolving your claim. However, there are numerous ways to handle a claim dispute that don’t involve blowing your top. One of the most important things to know is that you must remain calm and patient. The more frustrated and angry you grow, the harder it will be to resolve your claim. In the end, the more calm and diplomatic you are,...
It’s almost tax time again, which means that you have to find someone to prepare your taxes. As much as we’d like to think we can do our own taxes, it can help to have a professional organize our books and get the most out of our returns. Plus, who actually likes doing their own taxes? So, if you are like the rest of us and don’t like to prepare your own taxes, you need to know how to find the right tax preparer. Not only do you want to make sure to find someone who is truly qualified, but...
If you’re someone who likes to spend time traveling while being out on the open road, have you ever thought about becoming a professional truck driver? There several benefits that come with taking this kind of position. For one thing, you don’t need any kind of previous experience in order to apply. Also, once you are hired, you are able to receive top-notch affordable training that can give you a high-income earning potential. In fact, many owner-operators factor freight bills in order to pay for the upfront costs involved in operating a truck. That’s not to say that there aren’t...
Whether you’re someone who is looking to buy a home for yourself or you’d like to purchase a house that you can renovate and then sell for a profit, you should definitely consider looking into getting a distressed property. Those are basically homes where previous owners have defaulted on their mortgage. Not only is it a great way to get the house of your dreams, but one at a cheaper price than some of the other homes that are on the market. If this sounds like something that you would really be interested in, we have listed five things that...
With all the money you’re spending to book airline tickets and hotel rooms when you travel, not to mention what you’ll have to pay for food during your trip, you might not have a lot left over to spend on entertainment, including activities and tours. Luckily, there are ways to cut costs in this area and still have a lot of fun. Here are some tips that should help you to stick to your travel budget while finding the entertainment options that suit your preferences. Plan your own tours. With travel guides, websites dedicated to delivering tourist information, and plenty...
You’ve no doubt found countless ways to protect your home from the assault of winter weather, including snow, storms, and freezing temperatures. Storm windows and shutters are a good addition if your region suffers severe storms. And having a backup plan that includes batteries, flashlights, and a stockpile of wood for the fireplace is essential preparation for potential power outages. But while these steps could certainly prevent damage to your home and your family, possibly saving you from extra expense and hardship down the road, they won’t necessarily help you to cut costs when it comes to standard home maintenance...
Packing and shipping is a critical part of any business. If the packing and shipping costs are too high, it could drive away customers. Because of this, it is critical for business owners to find ways to cut costs. For small businesses on a bootstrap budget, this is even more critical, because you don’t want to wind up coming too far out of pocket or alienating your customer base. Luckily, there are a lot of options and with enough resourcefulness, you can cut down costs – to the point where the costs are manageable for your business and for your...
Computers are often essential to our everyday lives and work habits. In order to get things done, we need to have a computer that works efficiently and has various features. Once you are ready to buy a new purchase, you expect it to be a large investment. Luckily, it doesn’t have to be as expensive as you’d expect. Here are 5 simple and effective ways that you can save money when buying a new computer. Buy a refurbished computer. Often companies get returned items or those that fail quality control checks. These computers are then restored and repaired in order...
