Airline Reservation Online Money Saving Tips

<div class="separator" style="clear: both; text-align: center;"> <a href="http://1.bp.blogspot.com/-YGC0XcbJrLI/U9O0bXWBu5I/AAAAAAAAABo/pH4Lj64DI0Y/s1600/united-airlines.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/-YGC0XcbJrLI/U9O0bXWBu5I/AAAAAAAAABo/pH4Lj64DI0Y/s1600/united-airlines.jpg" height="179" width="320" /></a></div> Airline ticket rates can vary wildly for passengers on the same flight. One person can pay $250 for a seat, while the individual in the next seat may have paid $1000. There are many tactics to help your reservation resemble that of the first passenger, not the latter.<br /> <br /> Book your flight as soon as you decide on travel plans. Airlines give discounts for reservations made at least 3 weeks in advance. The best rates often include a Saturday night stay and have travel dates during the work week.<br /> <br /> Shop at the many online travel agents to compare the rates of many different airlines. Be sure to check at least 3 different sites, as each may have a different alotment of tickets, and service fees can also vary.<br /> <br /> Be flexible about when you travel, since even changing the flight time on the same day can effect the reservation rate. Unpopular early morning or late evening flights tend to have lower rates. Also, try to avoid peak travel season, summer, spring break, and Christmas and New Years. The cheapest fares tend to be found during the off season and at other times when planes are filled below capacity.<br /> <br /> If travelling to a large city, Check the fares for any nearby smaller airports, as it might be cheaper to fly into a neighboring city. Remember to allow for other costs when you considering this option, such as rental car or taxi fares. This might also extend travel time.<br /> <br /> In some instances, splitting the trip with stopovers my bring savings. However, be sure the savings are large enough to justify the extra trouble of the stopover.<br /> <br /> Look into booking your travel plans as a package deal. Sometimes it is possible to save money by reserving a hotel room and a rental car along with the airline ticket. If you are going on a cruise, ask the cruise company if they are affiliated with any airline.  Some credit card companies also have discount agreements with some airlines. The reverse is also true : many airlines have agreements with hotel chains and rental car companies that can save you money on other travel expenses.<br /> <br /> When dealing with a live travel agent, ask if this is the best rate that they have available or if there are any specials offering essentially the same itinerary when you are booking your reservation.<br /> <br /> Apply any special discount programs for which you are eligible. Students age 16 to 26 are can get special discounts, and seniors may be able to get discounted fares through the AARP.<br /> <br /> Belonging to, or travelling with a group, may get you a better deal on airline reservations. If you are a member of a club or service association, check whether they have a travel plan. If travelling with a group, ask for a group discount. Discounts are often available for government, military or corporate employees. Often, airlines will even extend these discounts even for non-business travel.<br /> <br /> In the case of large groups, it is sometimes cheaper to charter a plane than reserve individual seats. This may save time as well as money, since the charter airplane will accommodate your schedule, and baggage can be managed for the entire group, with much less chance of loss of luggage.<br /> <br /> When you reach check-in at the airport, ask if any special upgrade deals are available.  Sometimes it is possible to upgrade to first class at a nominal fee, and this is definitely worth it on long flights due to the larger seats and extra leg room.

Airline Reservation Online Money Saving Tips

Airline ticket rates can vary wildly for passengers on the same flight. One person can pay $250 for a seat, while the individual in the ne...

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Car Insurance Quotes Online – Money Saving Tips

<div class="separator" style="clear: both; text-align: center;"> <a href="http://2.bp.blogspot.com/-OJGqgoDTnts/U9O1kO5Z_5I/AAAAAAAAAB8/XbZsZxboTLQ/s1600/auto_key.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="http://2.bp.blogspot.com/-OJGqgoDTnts/U9O1kO5Z_5I/AAAAAAAAAB8/XbZsZxboTLQ/s1600/auto_key.jpg" height="212" width="320" /></a></div> Auto insurance is a must for all automobile owners, which repay you in case your automobile is stolen or damaged in an accident. Most people complain about the high prices of auto insurance policy.  Here we offer you some money saving tips with the help of which you can get the best car insurance quotes online as well as best auto insurance policy.<br /><br />If you are a new car owner or your previous auto insurance policy needs a renewal then it’s time for you to search for a new one. You will be surprised to know that different insurance company offers different premium for the same coverage. Thus, it is in your interest to find a low premium, more coverage best auto insurance policy. Local market search will be not enough, go to the websites of auto insurance companies and request for car insurance quote online.<br /><br />While requesting for car insurance quote online provide all your details to the auto insurance company such as your name, age, zip code, address, your marital status, car’s annual commuting miles and safety features of your car because as default they will surely offer you high car insurance quote online.<br /><br />Your credit history matters a lot for auto insurance companies. Reviews of insurance companies have shown a correlation between credit scores and risk to an insurance company. Thus, manage your credit score to a positive level before requesting for a car insurance quote online.<br /><br />During the request for car insurance quote online keep an eye on discounts provided by auto insurance companies, mainly on their websites. With offered discounts, you can drop your premium.<br /><br />If you have a life insurance policy or health insurance policy or any other insurance, it is recommended to ask the same insurance company for auto insurance. They will surely provide lower car insurance quote online, as you are their client.<br /><br />By following all these recommendations, we are sure that you will be able to buy the best auto insurance policy to protect your car, truck or any other vehicle against theft or damage.<br /><br /><br />

Car Insurance Quotes Online – Money Saving Tips

Auto insurance is a must for all automobile owners, which repay you in case your automobile is stolen or damaged in an accident. Most peop...

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Baby Clothes: 7 Money Saving Shopping Tips for New Parents

<div class="separator" style="clear: both; text-align: center;"> <a href="http://4.bp.blogspot.com/-S4730kGs594/U9O1C6YDCEI/AAAAAAAAABw/FAWZDfgZbvI/s1600/Baby-Clothes.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="http://4.bp.blogspot.com/-S4730kGs594/U9O1C6YDCEI/AAAAAAAAABw/FAWZDfgZbvI/s1600/Baby-Clothes.jpg" height="304" width="320" /></a></div> Perhaps the biggest problem with baby clothes is that they don't last.  Not because they wear out, but because your baby quickly out grows them.<br /><br />It's important to plan your baby clothes shopping around the growth of your baby.  If you don't, you could be wasting money.<br /><br />Keep in mind these seven tips while you plan your baby clothes shopping:<br /><br />1. Wear a Larger Size<br /><br />People say babies grow fast, and they're right about that.  You'll be wasting money if you buy perfect fitting clothes because they'll soon be too small.  Buying a larger size will extend the amount of time your baby can wear them.<br /><br />2. Make a Weather Prediction<br /><br />Stop and think for a moment about clothes labels that state size in terms of a baby's age, such as 12 or 18 months.  Then ask this question: "When my baby is X months old, what will the weather or temperature be like?"  Get the answer to this question correct and you'll buy clothes that not only fit, but also will be appropriate for the season.<br /><br />3. Find Easy To Put On Outfits<br /><br />Sometimes you'll struggle to dress your baby into an outfit you want him to wear.  Outfits that come in several pieces, button from behind or pull over the head may require more of your patience and time.  Outfits that come in one piece, open in the front, have zippers, or snap buttons should be easier to deal with.<br /><br />4. Have Enough for Emergencies<br /><br />Food can drop on your baby's clothes while you're feeding him.  If your baby becomes sick, he might throw-up on his outfit.  When a messy accident occurs, you'll need a clean set of clothes ready for your baby to wear.<br /><br />5. Save at The Clearance Racks<br /><br />You can save a bundle at the clearance racks.  Almost every type of store has these.  In addition, if you wait for a big sale you can save even more.  Some stores will also markdown the clearance item further at the cash register.<br /><br />6. Accept Hand Me Downs<br /><br />Your family and friends may want to give you their children's baby clothes.  They may have new clothes that their baby didn't have a chance to wear.  If you decide to accept what they are willing to give, you'll save yourself some money, especially if they have clothing you would have bought.<br /><br />7. Exchange Old Clothes for Cash<br /><br />Sell the clothes your baby no longer fits into on eBay.  eBay is just an example.  There are many other ways to trade your old clothes for cash.  You may not make as much as you had originally paid for them, however, you'll at least earn some of your money back.<br /><br />Summary<br /><br />If getting the most use out of the clothes you buy for your child is important to you, then the seven tips in this article should help you accomplish this.  Take these ideas with

Baby Clothes: 7 Money Saving Shopping Tips for New Parents

Perhaps the biggest problem with baby clothes is that they don't last.  Not because they wear out, but because your baby quickly out g...

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A Money Saving Exercise

<div class="separator" style="clear: both; text-align: center;"> <a href="http://3.bp.blogspot.com/-Ft0cjNAekFU/U9Oz59T2CkI/AAAAAAAAABg/JI6g9PlrHMo/s1600/Saving-Money-2.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="http://3.bp.blogspot.com/-Ft0cjNAekFU/U9Oz59T2CkI/AAAAAAAAABg/JI6g9PlrHMo/s1600/Saving-Money-2.jpg" height="262" width="320" /></a></div> There is a simple money saving exercise that everyone should do at least once in their lives. It is ultimately one of the best ways to save money, because it is not about pinching pennies, but about discovering what you really want and getting it. It is so simple you may hesitate to try it. Just try it. Here it is:<br /><br />List everything that you have spent money on, are currently spending money on, or might spend money on. <br /><br />Don't just read this and think of a few things. Take the time to actually write it all down. Review your bank statements if you have to, in order to remember and include everything.<br /><br />Now go through the list, and carefully consider each item. Take the most time on the big items - past, present and future possibilities. If your timeshare on the beach is worth half what you paid, costs $1,000 per year in expenses, and is rarely used, you need to learn from that - not to punish yourself, but to have a richer life.<br /><br />If you think honestly about the number of times you will use that Recreational Vehicle, and the cost, it may be $250 for each day of use. That's okay if that is worth it to you, but maybe you really would enjoy $100 hotels more. Or maybe you can rent an RV for less overall cost, thus freeing up money for other important goals.<br /><br />You see, saving money isn't about sacrifice. We all are aware of the scrooges in life that pinch their pennies, bank the savings, and then do nothing with it. The point should be to save money in one area of life so you can use it in ways that make your whole life richer.<br /><br />Suppose you notice you're spending $8 per month on subscriptions to magazine you don't read, or on insurance for a motorcycle you almost never ride? Cancel the subscriptions or sell the <br />motorcycle, and what have you lost? Is it a big deal? What will that $8 get you instead?<br /><br />- Bank it for ten years, and use the $1200 to take a second honeymoon.<br /><br />- Use it to pay for a day off work once a year, to spend with the kids.<br /><br />- Invest it, to have an extra $50 per month during your retirement years.<br /><br />- Buy six good books a year, to learn something new.<br /><br />- Make banana splits for the family once a month.<br /><br />- Give $100 per year to a worthy cause.<br /><br />$8 per month can do a lot if used wisely. Imagine what you could do if you stopped wasting $200 per month. That's why it is so important to discover what you really want - and what you don't want. This is one of the most intelligent ways to save money.<br /><br /><br />

A Money Saving Exercise

There is a simple money saving exercise that everyone should do at least once in their lives. It is ultimately one of the best ways to sav...

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5 Personal money saving tips when selling your home

<div class="separator" style="clear: both; text-align: center;"> <a href="http://2.bp.blogspot.com/-2VFfxrpzauQ/U9OzGFfYgmI/AAAAAAAAABQ/UubBe6YUqZs/s1600/monet-tips.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="http://2.bp.blogspot.com/-2VFfxrpzauQ/U9OzGFfYgmI/AAAAAAAAABQ/UubBe6YUqZs/s1600/monet-tips.jpg" height="213" width="320" /></a></div> Your home is undoubtedly the most valuable asset for the vast majority of us and selling it will cost thousands. Using the money saving tips in this article should reduce the cost of moving home.<br /><br />Estate Agent fees vary, so shopping around and don’t forget to haggle and pay one off against the other. You should aim for 1% commission, also push then to limit the tie-in period to no more than 6 weeks, this gives then enough time to sell the house, but if they can’t you can move to another agent without going “multi-agent” which will increase the fee to about 3%+, a big no-no! Ensure you get a fair valuation, never tell an estate agent what other agencies have valued your house at. They will use this to manipulate its offer, often resulting in wide distortions.  <br /><br />It is false economy to go for the cheapest solicitors, so get recommendations from all the estate agents you speak to and remember to ask for the name of specific people, rather than just the legal firms. Give them a call and ask what their charges are, also note whether they are they friendly, helpful, and most important efficient? Fees are negotiable so haggle! Play off each one against the other to get yourself the best service at the best price.<br /><br />Selling you house privately can save thousands. One in twenty vendors are now taking the DIY route which could save you thousands. That is a massive money saving tip, but there are a couple of downsides, basically “time and effort”. You could consider newspaper advertising, flyers and signs. Newspapers usually charge per line or per word so try to keep your advert as brief as possible without making it uninteresting. The simplest way would to sell your house yourself is to use one of the many online house selling service.<br /><br />Obviously it is best to sell your house when the market is strong and demand is high, so keep an eye on the local property market. Generally, the market tends to be stronger in early and late summer than the rest of the year, so aim to sell your house then. Also avoid completing with your neighbours so if there are already a few “For Sale” signs on your street, it might be better to wait a bit.<br /><br />Research has shown that a poor presented house can take longer to sell and may reduce the price by thousands. So get your paint brushes out, give your home a lick of paint and finish all of those DIY jobs which are outstanding. Also talk to the estate agent about adding value to your property it maybe worth spending a bit of cash to make some more. However, be careful not to over spend, you might not get your money back, so talk all planned improvements through with your estate agent.<br /><br />If you are determined to save money when selling your home, do some more research, as they say knowledge is power. <br />

5 Personal money saving tips when selling your home

Your home is undoubtedly the most valuable asset for the vast majority of us and selling it will cost thousands. Using the money saving ti...

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5 Steps To Credit Card Debt Reduction And Money Saving With A DIY System

<div class="separator" style="clear: both; text-align: center;"> <a href="http://2.bp.blogspot.com/-PaXI6IszGe4/U9Ozg6Sz7NI/AAAAAAAAABY/HAY-cOQEtxs/s1600/Saving-Money.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="http://2.bp.blogspot.com/-PaXI6IszGe4/U9Ozg6Sz7NI/AAAAAAAAABY/HAY-cOQEtxs/s1600/Saving-Money.jpg" height="320" width="320" /></a></div> Have you succumbed to the lure of credit cards and found yourself in a bit of a pickle because of it?<br /><br />Pull up a chair and have a seat - Welcome to the ever growing club of consumer debt. Your biggest challenge now is to dig yourself out of this situation and avoid having to pay anyone to help you do it.<br /><br />The options at this stage are usually as follow (depending on the level of credit card debt):<br /><br />• Consolidate into a loan.<br />• Debt Management.<br />• Bankruptcy.<br />• Do Nothing.<br />• Just pay off the cards over as long as it takes.<br />• Make the minimum payments and keep spending.<br />• Make an effective DIY plan.<br /><br />The more popular solutions - such as consolidation loans and debt management -we see being touted everywhere are the ones that put your money in other people’s pocket. I don’t know about you but for me becoming free from debt should not involve spending more money, or *borrowing your way out of debt*.<br /><br />So how does a DIY system work?<br /><br />To break it down into 5 steps it looks something like this:<br /><br />1. Address your spending habits and why you are in this situation.<br /><br />To ever win with money and have a comfortable financial future you have to control your money – not the other way round. Take complete control and set yourself some realistic yet desirable goals for the future.<br /><br />2. Know your options, the ins and outs of how they work – and why they are not for you.<br /><br />Along the way you will be tempted by quick fix ‘make it all better’ solutions   like consolidation loans and debt management. As mentioned already there is a multibillion dollar industry making a very healthy profit from consumer debt. Your DIY plan does not involve *paying to get out of debt*.<br /><br />3. Know your situation.<br /><br />Any debt relief system requires a bit of budgeting. As long you’ve followed the rest of the plan so far, have desirable goals and no intention of taking an easy -and expensive – way out you won’t have trouble budgeting.<br /><br />The other thing to know is your credit score. There are a staggering amount of mistakes found on credit scores that result in people paying more interest than they should. If you are eligible for lower rates and 0% APR cards to move expensive balances on to – you need to know about it.<br /><br />4. Minimise outgoings, Maximise income and leverage your cash flow.<br /><br />If you could be paying less for utilities and day to day expenses you should. There is a very fine art of money saving that you will become very good at if you’re going to be successful at this.<br /><br />Home economics, consumer education and bargain hunting can save you incredible amounts of cash that can go toward paying off your debt quicker.<br /><br />If you’re really serious you can take it a step further and create a secondary source of income. Be it a second job, or using a natural skill/strength you have that can earn you money in your spare time.<br /><br />With the opportunities available online it’s never been easier to find those who are seeking out some knowledge, experience and skills that you have and that they would pay you money for.<br /><br />5. Form your system and put it into action.<br /><br />Having followed the first 4 steps and laid some sturdy foundations you are now in a position to develop a quite powerful ‘snowball’ plan. That is a system that gains momentum as you execute it.<br /><br />This step is completely dependant on the first 4 steps and generating an extra figure that you can assign to snowballing your credit card debt. As the debts get paid off the figure grows and subsequently clears the rest of the debts a lot quicker – saving you a tidy amount of interest in the process.<br /><br />It is very possible use a DIY plan and enjoy great success from it, yes it takes a bit of hard work and discipline on your part but the alternatives just cost you more and keep you in debt for longer.<br /><br />It’s your money, it’s your life – if you want to truly own them both then you have to take control – not give it over to someone else. Control or be controlled, the choice is yours.<br />

5 Steps To Credit Card Debt Reduction And Money Saving With A DIY System

Have you succumbed to the lure of credit cards and found yourself in a bit of a pickle because of it? Pull up a chair and have a seat - We...

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5 Pro Honeymoon Money Saving Tips

<div class="separator" style="clear: both; text-align: center;"> <a href="http://2.bp.blogspot.com/-Aw519R5foEo/U9OyiRFA_LI/AAAAAAAAAA8/BgR9kbLxBlk/s1600/money_saving_tips.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><br /></a></div> <br /> <div class="separator" style="clear: both; text-align: center;"> <a href="http://1.bp.blogspot.com/-P1FHNfwrSh0/U9OykwScHdI/AAAAAAAAABE/Y8VaEdf_z24/s1600/Money-Saving-Tips.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/-P1FHNfwrSh0/U9OykwScHdI/AAAAAAAAABE/Y8VaEdf_z24/s1600/Money-Saving-Tips.jpg" height="266" width="400" /></a></div> The honeymoon will always be an important aspect in every wedding plan no matter how tight the budget is. While the wedding ceremony is the highlight of every relationship ending up in the altar, the couple will always look forward to the honeymoon.<br /><br />Every newly- wedded couple will always feel the stress of wedding preparations. Even couples who are wise enough and who are capable of getting a wedding planner will not be exempt from the after- wedding desire to be stress- free. Thus, almost all couples will always consider their honeymoon the best part of getting married.<br /><br />Honeymoon is a time to rest after all the wedding- related stress; it is a time to enjoy the company of each other away from the peering eyes of friends and relatives. It is a time for the couple to get to know each other better and intimately.<br /><br />While majority of couples want their honeymoon to be wonderful, there is always the financial aspect that they have to contend with. The wedding ceremony may be the focal point of the whole preparation but the preparation itself requires a budget. The bride and groom and the entourage has to pay for their wedding dresses and tuxedos. The couple has to pay for the wedding services, the license, the wedding cake, the dinner and all wedding requirements.<br /><br />What usually happens is that the couple spends too much on the wedding preparation that they end up having little and sometimes no budget for the honeymoon. But who said a couple could not have a romantic honeymoon if they o not have a large budget?<br /><br />A honeymoon is basically already a romantic event because it is the time when the newly- wedded couple bond with each other. This alone should make the honeymoon romantic and memorable. Of course, there are at least five ways to make honeymoon a memorable event, even for a meager budget.<br /><br />Every couple should take note of these five honeymoon money saving tips so they can have a fabulous time on their honeymoon without worrying about large financial requirements.<br /><br />1. Avail of the services of a honeymoon registry so the guests will know what you need and want as a wedding gift<br /><br />Gone are the days when a couple has to suffer in silence while opening the fifth identical wedding gift they have received; a dinnerware set. Through the wedding registry, the couple can inform the guests that they want or that they are in need of a honeymoon package. Guests who can afford such package can give them a free honeymoon instead of giving a gift that the couple does not need or a gift that they already have. Some of their friends may pool their resources together and gift them with a honeymoon package. This would mean great savings for the couple as well as a fabulous and free honeymoon.<br /><br />2. Plan the honeymoon ahead of time and avail of promotions offered by resorts as early as one year away from the wedding date<br /><br />Planning is till the best way to keep your resources intact and become more cost effective in your expenditures. With proper planning, the couple can take advantage of honeymoon packages or resort promotions offered by resort owners. There are honeymoon destinations that are offering big discounts for reservations made ahead of time. Some even offer as much as fifty percent discount for couples who book their honeymoon months before their wedding. This is to ensure the future income of the resorts. By availing of these promotions, the couple will not only be able to save on their finances but will also be able to plan their honeymoon itinerary ahead of time.<br /><br />3. Spend your honeymoon in a fabulous tourist island but take advantage of home- stay programs offered by some areas<br /><br />Some areas offer home- stay programs to promote their tourism at a lower cost. Local governments sometimes promote their tourism by gathering responsible folks and training them to become home- stay partners. Under this scheme, the homes of respected locals are accredited by the tourism officials and they become official tourist h9ome- hotels. Home stay accommodations are generally less expensive than hotels. Availing of this package can save the couple thousands of dollars that would have been spent for hotel accommodation alone.<br /><br />4. Why not try being one with nature and go camping for your honeymoon instead of staying in an expensive hotel?<br /><br />Couples who are nature lovers can go backpacking for their honeymoon and enjoy others company with only the moon and the stars as witnesses. His could be the best and the most romantic idea for a non- expensive honeymoon. Instead of paying hundreds of dollars for hotel accommodations save the money for other important matters and take a nice trip to a deserted island.<br /><br />5. Timing is important so plan your honeymoon, if not the wedding during off season<br /><br />Tourist and honeymoon facilities offer as much as fifty percent discount for tourists who would visit their establishments during non- peak seasons. Do not time the honeymoon with summer or other dates when tourists would be flocking to the islands or resorts because this would be very expensive. Visit these areas during the off- peak season can mean less cost and more privacy.<br />

5 Pro Honeymoon Money Saving Tips

The honeymoon will always be an important aspect in every wedding plan no matter how tight the budget is. While the wedding ceremony is...

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4 Basic Money Saving Tips for HomeOwners

<a href="http://3.bp.blogspot.com/-DcB9utC6PKU/U9OxrvspzpI/AAAAAAAAAA0/p3r9v1viqT0/s1600/money_saving_tips.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="http://3.bp.blogspot.com/-DcB9utC6PKU/U9OxrvspzpI/AAAAAAAAAA0/p3r9v1viqT0/s1600/money_saving_tips.jpg" height="223" width="320" /></a>Losing weight. Finding a new job. Spending more time with the family. A new year means setting new goals. Why not make saving money one of them?<br /><br />If you're a homeowner, there are many ways you can cut costs and still live comfortably. The following tips will help lead you to financial success.<br /><br />* First, set a budget. Figure out exactly how much you spend on the upkeep of your home. Compare each month's expenses with the previous month's to get a better idea of how much to budget for each necessity. Then, see what costs you can cut. Once you set a budget, stick to it.<br /><br />* Save energy. You might be losing a substantial amount of energy dollars during the winter and summer because of air leaks. By caulking, sealing and weather-stripping all cracks and openings, you can save 10 percent or more on your energy bill.<br /><br />Also, look into replacing older appliances with newer, more energy-efficient alternatives. Your light bulbs can make a difference, too. Fluorescent bulbs are four times more energy efficient than incandescent bulbs. <br /><br />* Refinance. Shop around to see if you can replace your existing home loan with one that has a lower interest rate. You can easily save hundreds of dollars each month by refinancing your home.<br /><br />* Purchase a home warranty. Most homeowners don't account for possible repairs in their annual budget. There is a 68 percent likelihood of a home system or appliance failure in a given year. The average replacement cost of one of these systems or appliances is $1,085. A home warranty is your best defense against unexpected and costly repairs to your home's appliances and mechanical systems.<br /><br />The American Home Shield Home Warranty, for example, ensures you get the best possible service through the company's network of pre-screened technicians. The minute something breaks down, you can contact American Home Shield and a local service technician will schedule an appointment that fits your schedule. The warranty covers a multitude of household systems and appliances, regardless of age.<br /><br />The American Home Shield Home Warranty is a one-year contract that requires no home inspection to enroll. Several affordable plans are available to fit every budget.<br /><br /><i>By Phil Shandin</i><br />

4 Basic Money Saving Tips for HomeOwners

Losing weight. Finding a new job. Spending more time with the family. A new year means setting new goals. Why not make saving money one of t...

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