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    15 Top Ways To Save Money
    15 Top Ways To Save Money
    15 Top Ways To Save Money
    Ebook56 pages39 minutes

    15 Top Ways To Save Money

    By Ezbon Lobaton

    ()

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    About this ebook

    Every day we are bombarded with messages telling us how to save money. Zero percent down, half off and two for one are commonplace announcements blasted at us through television, radio and billboards.

    As relentless as these commercials are the reality is that very few of these solicitations will actually save us money.

    Quite the contrary, they are designed as a call to action to grab your credit card and spend, spend, spend!

    Can you spend wisely and have more savings? Yes, you can. But, you need to train yourself to be a disciplined buyer and learn to become an intelligent saver.

    "15 Top Ways to Save Money" is just what you need to identify those areas that can really save you significant money. Learn:

    How to save on insurance
    How to save on auto loans
    How to save on mortgage loans
    How to save on credit cards
    How to save on gasoline
    How to save on car repairs
    How to save on home improvement
    How to save on home heating and energy
    How to save on phone service
    How to save on major appliances
    How to save on discount furniture
    How to save on clothing
    How to save on groceries
    How to save on vacations
    How to save on prescription drugs
    When you buy on sale, you usually are saving more but there are other nuances to take into consideration.

    Saving money isn't only about buying on sale. You need to educate yourself on how to save money not just on the "large" purchases but on the everyday expenses as well. "15 Top Ways to Save Money" takes those into consideration.

    Taking control of your money and making a commitment to eliminating debt goes hand in hand with "15 Top Ways to Save Money." Saving money on future purchases goes hand in hand with knowing where you haven't saved in the past.

    There is no reason to continue paying top dollar for items that you need when there are alternatives. Saving money on everything you purchase allows you to invest additional money each month.

    Start with a good budget that cuts out unnecessary spending and reduces your expenses so you can save more each month. Even if you save just $20 per month that's over $200 that you wouldn't available otherwise! Put that $240 into your savings account or use it for another budgetary item.

    Every dollar you save helps bring your budget into balance. Helps you live within your means. Don't spend more than you have. It doesn't get any more basic!

    Tips to remember are asking yourself these pertinent questions, as you are shopping:

    1. Is this item something I really need?
    2. Do I already have one of these items?
    3. How many hours of pay is this item worth?
    4. Again, do I really, really "need" this item or do I just "want it?"

    LanguageEnglish
    PublisherEzbon Lobaton
    Release dateAug 20, 2017
    ISBN9781370535781
    15 Top Ways To Save Money
    Author

    Ezbon Lobaton

    Ezbon is an easy-going writer, he is fond of sharing knowledge and experience on the blog regarding financial literacy or personal finance. He is willing to give answers to any inquiries from his visitors and make friends with those people who have the same interest. He loves everything related to money management, since he went to foreign land (Riyadh, Saudi Arabia) to work and looking for better opportunity. Ezbon loves to share his experience with people especially to expatriates who left their country to land a foreign job just to sustain and provide better future for their family.

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      Book preview

      15 Top Ways To Save Money - Ezbon Lobaton

      15 Top Ways to Save Money

      By Ezbon D. Lobaton

      DISCLAIMER: This information is provided as is. The author, publishers and marketers of this information disclaim any loss or liability, either directly or indirectly as a consequence of applying the information presented herein, or in regard to the use and application of said information. No guarantee is given, either expressed or implied, in regard to the merchantability, accuracy, or acceptability of the information.

      Table of Contents

      How to save on insurance

      How to save on auto loans

      How to save on mortgage loans

      How to save on credit cards

      How to save on gasoline

      How to save on car repairs

      How to save on home improvement

      How to save on home heating and energy

      How to save on phone service

      How to save on major appliances

      How to save on furniture

      How to save on clothing

      How to save on groceries

      How to save on vacations

      How to save on prescription drugs

      How to save on insurance

      As much as possible, if it can be done, you must seize every opportunity for you to save on insurance. Here are some tips you can follow.

      Your home insurance:

      If you think about it, you can actually save up to several hundred dollars if you buy insurance from a low-price but licensed insurer. Compare prices of the insurance departments in your state and get the lowest price but most practical company.

      Negotiate a lower selling price with a broker who works for you and not as the mediator to the seller. There may be a conflict of interest if there are too many people involved. So negotiate with just the broker.

      Your life insurance:

      If you prefer just insurance protection, and not a savings and investment life policy, you can just buy term life insurance.

      If you would like to purchase whole life insurance, then hold on to one up to 15 years. If you cancel these policies after only two years of having them in your name it will mean double the insurance costs.

      Check the public library about life insurance in your state and get one that suits your personal savings.

      How to save on auto loans

      A smart investor knows he must seize every opportunity that comes knocking at his door as long as it allows him to save more. Auto refinancing is appealing to those whose credit scores are of good history. This is favorable for a buyer who has no negative records on his account whatsoever.

      Auto loans give the buyer the opportunity to refinance their loan at terms that allows them to save their money. However, refinancing is not saving. At least not what most people deem it to be. Refinancing means reducing monthly payments in order to save a little extra money. Car refinance loans are useful in downsizing.

      Auto loans are just a click away, thanks to the Internet. Lenders specializing in refinancing are online to assist possible clients about auto loans. One must submit an application before any negotiation takes place. Provide the same documents required when making a

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