Spend Smarter!

It is all about spending smarter - Why spend money you do not have to??
The Deal Diva appears in the Charlotte Observer on Sunday in the Business/Moneywise section! Thanks to all of you for reading!!
Check out MOM Charlotte - this is a great website and offers lots of great information. http://mom.charlotte.com/
Send me tips by leaving comments on this blog! Or email me at thedealdiva@bellsouth.net I would love to share your great ideas!!
How to Best Use The List :
* The lists are current store specials with recent coupons from Sunday coupon inserts found in the newspaper.
For additional coupons use RedPlum.com, Coupons.com, and SmartSource.com
BOGO deals are generally the best deals out there especially if you have a coupon. Remember you do not have to buy two to get the special price. If you want to buy two make sure you have two coupons to save the most!!
Part of being a savvy shopper is staying organized. Try going through your coupon organizer every few weeks to discard old coupons.
If a coupon says "ANY" and does not specify " does not include trail size" then you can get the smallest size possible and it is perfectly legit to do so. Some of the best coupons say "ANY" and I have gotten tons of trail size products, great items to donate!

Saturday, January 10, 2009

Cut your monthly Costs Part 1 (Auto Insurance)

The new Suze Orman book has motivated me to examine our family budget. When you write it all down it is pretty mind boggling. I started with our home phone bill. Currently we are paying $90 a month to our home phone provider but honestly very few people call us on our home phone. Most calls we get on our cell phones. So after a conversation with our home phone service provider I was told that if we did not want phone service but wanted internet that my new monthly cost would be $42 a savings of almost $50 a month - $600 a year. After reading the tips below – I will be calling my auto insurance company on Monday. Stay Tuned!
How to Lower Your Auto Insurance Costs
Combined and Renewal Discounts
A big source of savings is to insure your cars with the same company that insures your house. Make sure you ask if combined coverage is available. This will lower your payments on your car insurance and make your homeowner's policy cheaper too.
Make sure you are getting the "renewal" discount that many car insurance companies offer. This is a discount given to people who have been with the same insurance company for an extended period of time.
Discounts for Auto Safety Features
Auto safety features will also lower your payments. Heading the list of money saving safety features is antilock brakes. Certain states — such as Florida, New Jersey and New York — encourage drivers to buy cars with antilock brakes by requiring insurers to give discounts. Check to see if you live in such a state, or if the insurance company you are considering gives a discount for this feature. Automatic seatbelts and airbags are also frequently rewarded with insurance discounts.
Assume More Risk
Two powerful ways to bring your coverage down is to assume a higher risk. This is done in two ways. The most dramatic reduction can be realized by dropping your collision insurance on an older car. If the car is worth less than $2,000, you'll probably spend more insuring it than it is worth. The whole idea of driving an older car is to save money, so why not get what is coming to you?
Ask for a Higher Deductible.
The deductible is the amount of money you have to pay before your insurance company begins paying the rest. In other words, you pay for the little dings and bumps and let your insurance company pay for the heavy hits. For example, a common deductible amount is $500. This means if an accident you're in causes $1,500 worth of damage, you pay $500 and the insurance company pays $1,000. You could, however, set your deductible to $1,000. This still covers you against heavy losses, but it may decrease your monthly premium by as much as 30 percent.