Save Money Everyday, Literally

Believe it or not, you really can save money almost everyday of the year! Here are some of my secrets to saving money on almost every thing you buy.

SEPTEMBER Cars. Auto manufacturers release their new models in October, so a lot of dealerships have to clear out the lot and make room for the new models by discounting the older stock in late summer. Those that car shop in September, should get up to $2,000 off a car with minimal negotiating. If you want to save money at any time of the year, you can ask the dealership about a ?program car?. They are cars that are driven by the staff for up to 10,000 miles normally kept in extremely good shape. They are then sold at a very steep discount. You can also browse on line at http://www.carbargains.com. You have to pay an enrollment fee but the website can save you as much as $3,000 on that new car.

Gas. You can comparison shop on line at these two websites: http://www.watch.com and http://www.gasbuddy.com. Watch your local news, they often have reports on the best gas prices being offered at gas station's in your general area. You can also text your zip code to gas@fuego.com and they will text you back with the local station with the cheapest gas price. The ideal driving speed is below 60 mph; it can boost fuel efficiency up to 23 percent which could save you $240 a year. Avoid braking or accelerating rapidly, you will increase efficiency up to 33 percent another possible saving of $330 a year. Tune up your engine regularly it's possible to boost efficiency by as much as 40 percent another saving of $375 a year. When paying for gas, charge it, you can get up to 5 percent back on some credit cards that are designed for gas usage.

NOVEMBER Health Insurance. Open enrollment season starts in November for insurance providers, if possible increase your deductibles, the higher it is, the lower your monthly payments are. If you have a family, increasing your deductibles to about $2,000 qualifies you for a health savings account which has many tax as well as savings benefits. When you spend your money on health costs, you won't be taxed on the interest. Instead of heading to the ER for a fever or a sprained ankle, visit your local national drug store, they usually have a walk-in clinic. The visits are less than $60. For operations, you can negotiate the price. Really, hospitals and doctors will negotiate the cost, they are all in the business of selling their services!

DECEMBER Furniture. This is a great time of the year to buy it is the slowest time of the year for furniture sales. You can save even more by shopping in January. Buying more than one item and finding smaller stores where the owner sets the prices will get you the best results. You can ask for a percentage off but don't ask for more than 40 percent, especially if your are only buying two pieces, end of line deals will always get you the best results. You can look on line at http://furniturelandsouth.com. It is a large and very user friendly website.

JANUARY Gym Membership. This is a slow time for everyone so you can find tons of deals out there. You might be able to reduce the fees or have the membership dropped, and maybe get free personal training, remember if you don't ask they won't give it.

FEBRUARY Computers. This is a great time of year, all the best deals are available with the holidays out of the way they need to sell more than you need to buy. Be very careful not to let the salesman over sell you, it's all very nice having a tone of programs, but if you don't really need them, leave them. Keep it simple keep it cheap.

MARCH Home Improvements. This time of year is really slow for contractors so they are willing to book anything and negotiate as well. When negotiating, let the contractor know that you are flexible because they may be working around bad weather. You can save anywhere between 10 to 20 percent on the cost of the job. I f all fails, try doing it yourself, there are plenty of hard ware store representatives that are trained to help you with thousands of websites and do it yourself books, so your resources are endless.

APRIL Televisions. The spring is when the new models of televisions hit the stores. The same rules apply for televisions has computers. You can save a bundle by getting last years set, you can if you take your time find discounts up to 50 percent off the original price.

MAY Drugstore Items. There are some national stores that publish a monthly list of rebates. So if you bought items that are on the list, you can mail in the receipts and get money back.

Digital Cameras. It is a similar process for cameras as it is for televisions and computers. Save on older models there's usually is no real difference but the overall design. You could also watch out for specials on new models, and there are specials on photo prints and free memory cards. Look for savings of 30 to 50 percent.

JUNE Refrigerators. You can get up to 20 percent off on the floor models. If you can't find a deal, ask the store if they have a damaged model because usually the problem is completely cosmetic.

AUGUST. Seasonal trinkets. Summer items like kids pools and water guns take up a lot of shelf space. You can usually find that kind of stuff on sale for up to 65 percent off.

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