Frugal Dollar Saving Ideas
You can save over a hundred dollars by finding a checking account that is free of service charges and has no minimum balance. You’ll save more when you reorder personal checks online rather than of at your bank. Not only do you save about 50% on charges on your discount personal checks, but when you reorder cheap personal checks you get a greater design selection.
If you own a house and don’t check into your property taxes, there is a good chance you may be overpaying. Most homeowners believe that their assessment is equivalent to the market value estimate the tax assessor placed on their property. It is not. Assessment and market value are entirely different amounts.
First, ascertain the sales ratio which is also called the director’s ratio, equalization rate, the average ratio or many other names the various municipalities come up with. Divide the assessed value by the sales ratio to figure out actual figure that the tax man assigned to the value of your home. Go to your local real estate broker and get comparable sales to beat the market value number you found. If there is a serious difference, file your tax appeal.
Keeping your auto in shape can save you big. If your air filter is really dirty, you can be losing up to 14% on fuel economy. Add 3.3% for not having tires inflated to their max and another 4% for not having a tuned engine and we’re talking a lot of money.
Check for auto insurance rates at the National Association of Insurance Commissioners website or ask friends or the Yellow Pages. Also check consumer guides, insurance agents, companies and online insurance quote services and compare similar plans. Compare against your current policy. Often, using the same insurance company for multiple policies will get you 10 to 15% off your premium.
Credit cards can hit with with higher interest rates as well as penalties if you are late with payment. Send your payment in 10 days early so as not to get penalized. Also if you have a credit card with a lower interest rate, use as a cash advance to pay off your higher interest credit cards.
Buy more unprocessed food products to save money. Employ store discount cards and clip coupons to save money on groceries. Take a calculator with you to the grocery store to be on top of your grocery total and avoid purchasing impulse items. Compare the quality of store brands with more name ones. Buy sale items in bulk
Cook at home often. You will find a balance between saving money and getting stressed out. Brown bag lunches and skip drinking coffee or purchasing your favorite beverage out as often as you can and make it at home. You might as well check out some cheap personal checks as part of your financial scheme.
Christian Fuentes is a contract programmer, web designer, trainer and blogger. He is passionate about Jesus Christ, his family, his business, photography, golf and lots of other things too. He also writes about checks on line.
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