Economizing: Non-obvious Saving Check Tips

Saving money on practical things is a welcome relief to people

. It could be thousands of dollars or even ten bucks. No matter what, your finances can improve.

Start with your bank, you can pocket more than a hundred a year in fees by getting a free checking account. Also, when you buy your checks, do it online and save another 50% off bank prices.

What can amount to a large savings that continue year after year is to look into your property taxes. They are often in error and to compound matters, most people assume "assessment" equals "actual market value". It does not. Obtain the equalization rate or sales ratio. Your town may use other words. Divide the sales ratio into the assessed value to discover the "actual" market value that your home is worth according to the tax assessor. Find a realtor for comparable property sales that are similar to your home in dimension and neighborhood. Get Xerox copies from MLS (multiple listing service) recent sales. You'll want MLS photocopies because it is "buyer" focused and has information not found in automated sites that will be necessary to make significant adjustments. Adjustments will be for age, updated kitchen, bath, a new roof, decks and other related features. Compare the ''sold'' values evidence to the "real" market value that the tax man placed on your home. If the difference is large enough, appeal your assessment.

Keeping your car in shape can save you a lot of money. If your air filter is especially dirty, you might be losing up to 14% on fuel economy. Add 3.3% for not having tires properly filled to their max and another 4% for your engine not being tuned and we're talking a lot of money.

Just shopping around for low-cost auto insurance can save you a bundle. Find out about your state's low-priced insurance companies and compare similar coverage options. You can save up to 25% on your insurance bill by making your deductible higher.

Avoid late payment penalties with credit cards by mailing in payments one week in advance. If you can obtain a lower interest rate on your credit card, you can usually employ cash advances to take care of the outstanding balance on your other credit cards and transfer this debt to the card with the lower rate.

Scour the grocery store ads before you go shopping. Save money by planning your meals and making a list before heading out to the store. Decide whether it is less expensive to cook or buy food already prepared.

Save money by not eating out too often. Order water to keep the bill low. Eat appetizers or lunch portions or, if it is a large plate, think about taking leftovers home for another meal.

by: Jackie Borland

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