Money

Best Places To Shop For Home Insurance

Rain Shower

Rain Shower by Lars Plougmann

Bankrate compares rates for all types of insurance and many other products and investments: bankrate.com

The following sites also provide comparisons:
affordable-home-insurance.org
esurance.com
homeinsurance.com
homeinsurance.org
netquote.com

These provide quotes directly from the companies, as well as contact information for agents in your area:
allstate.com
aaa.com
farmers.com
geico.com
libertymutual.com
nationwide.com
progressive.com
statefarm.com
travelers.com

Some banks sell home insurance as well:
bankofamerica.com
hsbc.com
wellsfargo.com

Keep in mind that you may be able to get significant discounts when negotiating with a live person. See 8 Tips For Better Home Insurance Rates.

How do I get a good deal on clothing?

Clothes barn by net_efekt

Clothes barn by net_efekt

Clothing is a basic necessity, but it is important to be frugal, as well as stylish. Trends in the fashion world come and go, so it may be expensive to stay up to date. Fortunately, there are a lot of different ways to be stylish and frugal at the same time.

Sign up for free mailing lists and memberships
Your favorite store most likely has a newsletter, either in email or mail form. Sign up for these mailing lists, since they are free. They will alert you of any upcoming sales and promotions they’re having, and may send you coupons. Some stores have free memberships or frequent buyer cards where if you spend a certain amount of money, you are rewarded with a gift or additional discount. Getting promotional information straight from the store is the best way to stay updated with savings.

Shop during the holiday season
A lot of stores offer sales and promotions closer to holidays, like Christmas and Labor Day. If a store is open on an actual holiday, chances are there is some sort of sale going on. The most popular day for sales is Black Friday, the day after Thanksgiving. This day marks the beginning of the winter holiday season, like Christmas and Hanukkah. Some stores will be open on Friday at midnight, and people will camp out just to redeem the good deals.

Shop online
If you shopping for an item with a specific description, the internet may be your best bet. Stores like Amazon and eBay offer an array of items, arguably at a lower price. Search engines like ShopStyle and Google Shopping can lay out the selection of the item you’re looking for, making it easy to find it at a good price.

If you feel comfortable buy second hand clothing, do so–stores like Goodwill and Buffalo Exchange have trendy and name brand clothing at an affordable price.

How do I save money?

Money by Tax Credits

Money by Tax Credits

Once you start earning an income for yourself, it made be hard to control yourself when it comes to spending money. If you need help on managing your bank account, check out our article here.

This article is here to help you spend and save your money wisely. Here are some tips to help you ration your savings and spendings.

Pay for important things
Make sure to pay for any bills or debts you owe. After you finish clearing your name, spend money on any necessities, like groceries or toiletries. It is important to pay for essentials first while you can afford it.

Put money in savings account
A good way to limit your spending habits and increase your saving habits is by putting a large amount of your money in your savings account instead of your checking. The money you put in your savings account will accumulate interest, meaning more money for you to spend! But actually, it’ll be more money for you to save, because that’s the responsible thing to do.

Make a wishlist
If you still have some left over money after clearing your bills and debts, feel free to treat yourself to something nice. The best way to do this is by making a wishlist of things you want. On this list, write down what you want, how badly you want, and how much it will cost you.

Choose wisely from wishlist
To choose from your wishlist, pick the item you would use the most, not necessarily the item for the best deal. For example, if you want a new pair of sneakers that cost $50, but you are going to wear these sneakers everyday, the sneakers will eventually pay for themselves due to the amount of use. If you want a leather jacket, but you only plan on wearing it during wintertime, the jacket is probably not the most lucrative purchase. Focus on buying items you are going to use often, and save the other items on your wishlist for special occasions or holidays.

Try not to use a credit card
It is probably in your best interest to not get a credit card if you cannot pay your bill off in time. Do not use credit cards for big purchases you will not be able to pay off, because you will suffer from the consequences in the end. It’s wise to use a debit card for purchases because the money is spent right then and there. This will help keep your spending in check.

How to save money on groceries?

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Grocery trolley. by Poly Cart

How much money do you spend on groceries a week? How would you like to get tips on a cheaper grocery shopping experience? Here are a couple tips in order to find exactly what you want for cheaper.

It’s easy to save money on groceries. For starters, start reading your supermarket’s weekly ad to see what items are on sale. Look for coupons online and in newspapers, and present them when you’re shopping. Some supermarkets offer “double coupon” deals, in which they double the coupon’s deal for maximum savings. Read the fine print to make sure that you’re getting the deal you intended to get.

Choosing the store for you
It’s important to choose the correct store for the amount of groceries you are about to purchase is important. If you are going to buy in bulk, Costco and Walmart would be your best bets. You get to choose more food for less money, meaning your food will last longer and you won’t have to shop as much. On the other hand, if you want to buy enough for a couple days or a week stores such as Albertson’s ,Smart and Final, Safeway and Trader Joe’s are great, and they also have sales and promotions.

Finding the best deal
Pay attention to the prices of the items you are buying at various stores. Find the most expensive grocery item that is always important to get, and compare prices among the stores. You are bound to save money on this item if you search among other grocery stores.

Hint: when supermarkets say “10 items for $10”, you do not need to buy 10 items unless explicitly stated. That would mean that an individual item is a dollar. However, some deals require you to buy a minimum number of items, so be sure to read closely!

Buy while on sale
Stores always have sales on produce, so even if you have enough of this one grocery item that’s on sale, buy it anyways. You will eventually finish your amount and won’t be able to find this same produce at this sale price. Don’t hesitate and buy the items you need when they go on a significant sale price.

How can I save money when shopping online?

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Coupons 4 by Hobbies on a Budget

No matter your background, we all love getting a better deal. Below are a couple of ways to save money online.

Amazon
Amazon is a great place to check prices and get just about anything. Because of its size, it has great logistics and low shipping fees–sometimes none at all. It’s also a marketplace, meaning multiple sellers compete, which leads to better prices overall. Amazon is usually the easiest place to get new items, although used items are available as well. Amazon reviews provide a useful guide for consumers, as both an overall rating and with individual stories in those reviews.

eBay
eBay is the go-to place for used items. It’s an online auction site where you can find everything from baby socks to automobiles. Because there is a marketplace, sellers compete for your purchase, bringing down the price. On the other hand, because there are auctions, buyers compete for the product until it sells for whatever someone is willing to pay. There are some more complex models and variations but that’s pretty much it. It’s a real marketplace. Just make sure to read the description carefully and to check a seller’s ratings before making your bid.

DealOz
DealOz provides a great textbook price comparison engine, comparing major bookseller prices and making previous editions easy to find. They also have links to various coupons and include shipping estimates as well.

Big Stores
Walmart, KMart, and Target have online stores as well, sometimes with very competitive pricing and shipping options.

Retailmenot.com
This website offers discount codes and coupons for just about any website on and off of the net. Users rate the coupon codes, so you can very quickly know if one is worth trying.

Mailing Lists
If you like a specific store–sign up for their newsletter. Most send out special deals and coupons to bring you back in. Some send you birthday presents. There are also websites like Gilt, which offer exclusive deals on high quality items–kind of like a Groupon for nice clothes. On a similar note, Groupon itself now offers deals for specific items.

How do I find best deals on airline tickets?

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American Airlines 737 Airplane Photo i002 by Grant Wickes

Follow tweets and news updates
Every airline company has a Twitter were they post their promotions and deals. You can find good deals on holidays and anniversary events.

Airline email alerts
Every airline has its own email subscription service. There is an option to subscribe to deals and price alerts. If you are looking for a specific flight/trip, you specify that online and it will constantly email you with an update of prices.

Buy ahead of time
You want to start a search for airline for any trip you are planning in the near future. The earlier you request dates, the cheaper the tickets will cost. The longer you wait, the more likely spots will be taken. Also make sure to buy tickets on Tuesday at 3p.m. ET, this is when sites upload most discounts.

Kayak’s price overview for planning
Kayak has a great tool that shows the daily prices for 1-way tickets. You can use this to find which days in a month or which months to aim your travel for. Use this and plan to plan your next trip.

Priceline’s “Name Your Price Tool” for last minute travel
If you are looking last minute, you can try Priceline’s Name Your Price tool, they will show the prices of recent purchases, which you can also use as a guide.

More tips at: Mashable Airline Discount Tips