Free Quick and Easy Money Saving Tips ? Part 2

Although many consumers would argue differently saving money doesn't have to be difficult. In fact by making just a few changes in your normal lifestyle you can find ways to free up extra cash that can be put to better use in a savings account or an investment account. Finding ways to save an additional 5 dollars a day can lead to a more secure financial future in the long run. I have compiled some tips that you can use in order to find those extra dollars.

Tip Number 1 - Are you a daily coffee drinker or a heavy smoker? The simple act of eliminating one cup of coffee a day or reducing the amount of cigarettes you smoke (quitting entirely would be better) can free up a small amount of money daily that when added up equals a large amount at the end of the year.

Tip Number 2 ? Try to avoid shopping at convenience stores. The prices they charge are outrageous when compared to lower priced food stores or super markets. It's a proven fact that you will spend less on food if you shop with a list, take advantage of sales, and purchase basic ingredients, rather than pre-packaged components or ready-made items. Take the time to clip coupons for items that you buy on a regular basis however avoid purchasing impulse items if you don't normally use them just because you have a coupon. If you take the time to compare the fine print you'll see that you can save hundreds of dollars a year by comparing price-per-ounce or other unit prices on shelf labels.

Tip Number 3 ? When it comes to purchasing over the counter medicine brand name drugs are usually much more expensive than their generic equivalents, ask your physician and pharmacist if a less expensive generic or an over the counter alternative is available. Purchasing the equivalent generic drug can save hundreds of dollars through out the entire year. With the emergence of online pharmacies the opportunity to save even more money on medicine is significant. Take the time to search online for the best deals.

Tip Number 4 ? With the high cost of gasoline draining consumer's pocketbooks any way to save money in this area is a welcomed tip indeed. You can save hundreds of dollars a year by comparing prices at different stations, pumping gas yourself, and using the lowest-octane called for in your owner's manual. You can save up to $100 or more (depending on your vehicle) a year on gas by keeping your engine tuned and your tires inflated to their proper pressure.

Tip Number 5 ? Your vehicle can place a huge strain on your budget if you fail to perform routine repairs on your car when they are needed. The most important step that you can take to save money on these repairs is to find a skilled, honest mechanic. Be sure to aggressive shop around since not all auto mechanics charge the same amount for repairs and the quality of work performed is different based on the skill of the mechanic.

These 5 quick tips could easily save you several hundred dollars a year, which you could put to better use in a savings program or to pay off higher interest loans and other bills.

Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides free money saving insurance information and offers discount auto, life and home insurance that you can research in your pajamas on his website.

Other websites operated by Tim: Cellular-Phone-Solutions.com - Free information and resources regarding cell phones and cell phone plans.

Military-Loans-Online.com ? Which provides free money saving loan quotes on all of your loan needs to include home equity loan information.

---

What the Mail on Sunday Said

Anyone considering Bankruptcy may have experienced fear after reading an article written in The Mail on Sunday with the headline "Bankruptcy cheats face crackdown". But, how much... Read More

What is Debt Settlement?

Debt settlement is the process of negotiating with your creditors so that you are able to pay off a certain percentage of the debt amount that you... Read More

Debt Negotiation and Debt Settlement

Debt negotiation and settlement can give you a drastic reduction in the amount of debt you owe and allow you to repay your debts in a much... Read More

Bankruptcy: What You Need to Know

Personal bankruptcy is a legal way to give people with overwhelming debt a fresh financial start. Many people do not realize that there are five types of... Read More

How to Deal with Bill Collectors

So you've screwed up. You're drowning in debt. Maybe the credit card was burning a hole in your pocket and you just had to get the HDTV.... Read More

How Do I Lower My Debt Burdens?

How do I lower my debts?There are several ways of improving your credit status. If you have decided upon taking up firm steps to decrease your debts,... Read More

Worried About Debts?

Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or... Read More

Debt Getting You Down? - Make a List!

Debt is not much fun and when faced with it, people sometimes look for complicated debt solutions and often overlook the many simple ways that you can... Read More

Credit And Debt Relief--A One Stop Solution

Amy Wright, 34, was extatic when her realtor showed her the three bedroom townhome overlooking the lushious golf course. It was exactly the home she was looking... Read More

Life on a Debt Management Program

Signing up for a debt management program is easy; it's a matter of finding a company you feel comfortable with that is difficult. There should be no... Read More

Debt Settlement : What You Need To Know

Debt Settlement companies work with your creditors to help you reduce your unsecured debts though arbitration and negations. The important thing to realize about Debt Settlement is... Read More

Bankruptcy: What the New Law Means to You

On April 20 of this year, President Bush signed a bankruptcy reform law. When this law goes into effect in October of this year, it will be... Read More

New Bankruptcy Law ? Where?s the Consumer Protection?

On April 20, 2005, President Bush signed into law the Bankruptcy Abuse and Consumer Protection Act, a piece of sweeping legislation that brought about the most sweeping... Read More

Debt and Your Dreams

You may not realize what that credit card bill is doing to you?Bob is a 27 year old truck driver. He dropped out of college after one... Read More

Debt Consolidation and Personal Finances: Learn the Truth!

An inability to manage credit, growing debt and bankruptcy are all major problems today. On an average day, over 8,000 people file bankruptcy in the United States... Read More

Learn How to Get out of Debt

Debt is becoming number one problem in the United States Today. The average American family has at least $8,000 in credit card debt and most college students... Read More

Help to Get Out of Debt

Debt Help is the stepping stone to debt elimination and financial recovery. Debt help analysis guides you to save thousands of dollars in interest charges. Consolidation of... Read More

Debt Free Living - 5 Tips To Get Out Of Debt

A few times I wonder what sort of credit system moved the global economy 200 years ago. If the intention of getting into a business is meant... Read More

Different Ways Of Dealing With Debt

Bills, creditors, debt collectors. Are you yearning for the days when all you had to worry about was the money in your piggy bank? If so, you... Read More

IVA Advice

An IVA (individual voluntary arrangement) is an alternative to bankruptcy introduced by the government as part of the Insolvency Act 1986. This article provides an overview of... Read More

Debt Free and Carefree

Are you still clearing a mountain of debt amassed last Christmas or even during last year's summer holiday?For those of you who make financial plans, who budget... Read More

Deal with All Your Debts with Care!

Lots of people take a large ammount of loans and suddenly they discovered that they're in debt and life seems pretty gloomy for them, in this situation... Read More

How to Negotiate Debt Settlements

Knowing how to negotiate debt settlements is the key to securing your financial future. Debt negotiation is the process where in you will contact your creditors and... Read More

Are You SURE Your A Bad Debt?

Many people who seek the advice and guidance of debt counsellors are driven to them in the first place by fear and ignorance ? two powerful emotions... Read More

Top Ten Reasons People File for Bankruptcy

1. Eliminate the legal obligation to pay many of your debts.This process of wiping the slate clean is called a discharge of debts. The goal of a... Read More

Bankruptcy ? Bankruptcy Myths

Bankruptcy has long been a big question mark in the eyes of the consumer. After all they don't teach us about bankruptcy in school. More often than... Read More