Many ways to save money / Saving money / Saving Green

You can save hundreds of dollars a year by shopping at a lower priced food store. Don't shop at convenient stores or gas stations because they often charge the highest prices. Another way to save money at the grocery store is to always shop with a list and stick to only buying what is on that list. Another way to save money is to buy your food in bulk.

You can consider refinancing your mortgage if you can get a rate that is lower than your existing mortgage rate and plan and keep the new mortgage for several years. Calculate precisely how much your new mortgage will be, making sure that you take into consideration points, fees, and closing costs. If it is cheaper in the long run then it will save you money.

You can save several hundreds of dollars a year by purchasing auto insurance from a licenced, low price insurer. You can call your state insurance department for a publication showing typical prices charged by different companies. Then you should call at least four of the lowest priced licenced insurers to learn what they would charge you for the same coverage. You can also talk to your agent or insurer about raising your deductions on collision ans comprehensive coverage to at least $500 or, if you have an an old car, dropping this coverage altogether. This could save you hundreds of dollars on insurance premiums.

Here are a few easy ways to save money on your television service. Once a year, review your phone bills for the previous three months to see what local, local toll, long distance, and international calls you normally make. Call several phone companies which provide service in your area including wireless and cable, to find the cheapest calling plan that meets your needs. You can also check your phone bill to see if you have optional calling features or additional services, such as inside wire maintenance, that you don't need. Each option you drop could save you $40 or more each year. If you make very few toll or long distance calls, avoid calling plans with monthly fee's or minimums. Or consider disconnecting the service altogether and use dial around servers such as 10-10 numbers or prepaid phone cards for your calls. When shopping for dial around service, look for fee's, call minimum, and per minute rates. Dial your long distance calls directly, using an operator to place the call can cost you up to $10 extra. To save money on information calls, look the number up on the internet or in the directory.
If you use a cell phone, make sure your calling plan matches the pattern of calls you typically make. Understand peak calling periods, area coverage, roaming and termination charges. Prepaid wireless plans tend to have higher per minute rates and fee's, but may be a better option if you use the phone occasionally.

Another way we waste money is in our gas tanks. Don't put premium gas in your tank unless it is required too. Look it up in your owner's manual. You can always try to find the cheapest gas station in your area. A great place to check online is websites like gasbuddy.com, they have a list of cheaper gas prices.

Try not to spend your coins, put them into a big jar and every few months roll them up and stick them in the bank. Another way to save money is to turn off all the lights in the rooms of the house that you are not using. Try not to use more electricity than you have to.

Another great tip for Saving Money is to stay at home more. Have family game night, or make dinner together. $1,800.00 a year is the average of what we spend on entertainment. The average person spends 2,276.00 a year on eating out. Thats a lot of money for one person. Become more of a homebody and you'll have more cash in hand for that rainy day.

Another way to save money is two try to set out $2.74 a day and that equals out to $1000 a year. You could do this by cutting out that expensive coffee everyday. Instead of going out for coffee you should just make your own. That is a great way to save a little money. If you smoke you should not only quit for your health, but to save money. If you smoke a pack a day, that equals out to $5 a day or about $1800 a year. See how much money you can save and live a healthy life at the same time.

Read your receipts carefully. People are often over charged for items everyday. And also limit your trips to the ATM machines, banks charge between a dollar or two everytime you use the machine.

Car pool or use public transportation. This saves you on gas, insurance, and maintenance costs.

Every morning you don't carry anything smaller than a $5 bill. When you get change, don't spend the singles. At the end of the day any dollar bills go into your cash stash.