Tag Archives: save money

For Retirees: Get Dental Care for Less Money

Jordan Braverman, MPH

Dental care is rarely covered by Medicare… few retirees have dental insurance… and those who do have dental insurance often find that their coverage is very limited.

Dental bills average around $677 per year for the typical senior, and a major procedure, such as a root canal or a dental implant, can push that tab into four or even five figures.

Exception: Medicare usually will pay dental bills if they are related to a medical incident that requires a hospital stay, such as jaw reconstruction following a car accident.

Some resources that could help you dramatically reduce your dental bills or even provide dental care for free…
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10 Ways to Save $50 per Month

The art of pinching a penny until it screams
by Kimberly A. Griffiths

  1. Save up to 50% per month on convenience cleaner cloths by cutting them into half, i.e. dryer softener cloths, face cleanser cloths, etc. Savings: $5 per month
  2. Find more thoughtful gifts and buy when the item is on sale, shop for birthdays and holidays throughout the year not at the time of the events. Savings: $10 per month
  3. Bring your lunch to work once a week instead of eating out. Savings: $7 x 4 weeks = $28 per month
  4. Don’t go to the coffee shop on the weekends. Savings: 2 visits @ $2 = $4 per week x 4 weeks = $16 per month
  5. If you carry a balance on your credit card, and you’re only able to afford paying the minimum monthly amount, pay weekly installments instead of one monthly payment. For example, if you owe $100 per month, pay $25 per week. Because credit card companies accrue interest daily on your balance, paying only once a month is a huge detriment to your fiscal health. Savings: $10–$100 per month (or more!)
  6. Instead of a family night out, consider having an old fashion picnic together or a bike ride. Curbing entertainment costs doesn’t mean curbing the fun. Savings: $25+ per month
  7. Spend a day cooking meals that can be frozen for later use for your family. Once a Month Cooking, a book by Mary Beth Lagerborg and Mimi Wilson, features grocery lists and recipes to prepare and freeze a month’s worth of food for you and your family. Not only are you able to purchase the food in bulk, this method prevents having to throw away any spoiled food. Savings: $50+ per month
  8. If you are a regular monthly book buyer, stop the habit and visit your library instead! If you insist on buying books, buy it used at your local store or online at merchants such as http://www.half.com or http://www.amazon.com. Even a better idea, how about selling the books you have that you don’t need! Savings: $5–15 per month
  9. Use less expensive gasoline. If you live in North America and have Internet access, you are able to search for the cheapest gas price in your neighborhood with Gas Buddy, http://www.gasbuddy.com. Savings: $5–15 per month
  10. Use two-for-one coupons when dining out; search for these in local newspapers, flyers, and in your “junk mail.” If you are a group of four or more people, consider buying dining certificates at Restaurant.com, http://www.restaurant.com. After choosing your city and state on the Website, you will be presented with a listing of restaurants vying for your dining dollar! Savings: $5-$50 per month

————————————————————
This is an excerpt from ONE PAYCHECK AT A TIME,
www.onepaycheckatatime.com
, by Kimberly A. Griffiths,
ISBN: 1591133327. ONE PAYCHECK AT A TIME, a 200 page
workbook, contains budget management exercises for an
entire year of paychecks. The author, Kimberly A. Griffiths,
has been through the vicious cycle of debt herself, and
provides a no-nonsense system to managing your money
paycheck to paycheck. You customize the journal based on
your pay schedule and learn the necessary tools for making
ends meet.

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Save $1,000s on Your Grocery Bill!

Cut Your Grocery Bill
Consumer Reports’ shopping expert, Tightwad Tod, takes you through the supermarket to see how he cut his bill in half.

Click here to watch the 1:45 Video

Click here to watch the 1:45 Video

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How to Save Money at Coffee Shop

From chains to independent places, coffee shops offer everything from a place to quickly grab a cup of joe, to a comfortable place to catch up with friends or to get work done. But buying a cup of coffee every day or even a few times a week adds up. While making coffee at home is one way to save some money, there are lots of other options for keeping costs down while still getting to enjoy the atmosphere and convenience of your local coffee shop.

1. Keep your drink simple. One of the least expensive drinks on any coffee shop menu is drip coffee. Coffee drinks with foam, whipped cream, candy pieces or special flavorings can cost as much as $4 or $5. Plain coffee is still hot, tasty, full of caffeine and, best of all, rarely costs more than $2. If black coffee is too bitter for your tastes, add milk, cream or sugar. Some shops even offer honey and cinnamon to give your coffee a flavor boost.

2. Use free refills to your advantage. If your coffee shop offers free refills and you’re planning to stay a while, order a small cup and refill it. In this situation, spending extra for a medium or large cup of coffee makes no sense.

Read three more ways to save money at the coffee shop

Source:
Allison Miller – Associated Content – associatedcontent.com

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Frugal Living is the Hip Lifestyle Today

October 19, 2009 by Heather Hoang
cabinExt

Everyone knows saving money is the prudent thing to do but not many actually understand why they should do it, what the benefits are because they have never sat down to think about it. Here’s why you need to keep some cash with you.

When you lose your job or want to relax in the Caribbeans, it’s quite difficult if you max out all your credit cards every single month. What are you going to do when you retire? Isn’t this reason enough to save?
You never know when you will need a bunch of cash for emergencies. Maybe it’s for a car accident, or maybe it’s for medical, but you will need to pay for something sooner or later.

Money means more choices. If you want to start a business, you can. If you want to move to another city, you also can but it’s not possible without a chunk of dough saved up.

Sometimes, changing careers is the best long term move but what if you had no savings and moving means having less salary at the beginning? Can you really make the leap if you have been living paycheck to paycheck?
Shopping is actually very time consuming. If you start saving money, you will spend less time at the mall, which means more time to do other things that are productive.

You will truly appreciate a simpler life once you decide to practice frugality. In fact, you will probably be happier once you start saving money and relying less on buying.

Do you want to retire early? Do you think it’s possible without saving money? With discipline and a plan, anyone can retire early and travel around the world while everyone else you know is still slaving away at the 9-5.
The power of knowing that you can buy anything with the money you saved is much greater than actually buying the product. It will give you added confidence, and you will find that other parts of your life will improve as well.

The rich always get richer and I know you wished you could be in that crowd. If you start saving, you will have a chance to join the party too.

Tires are expensive but you can get some discounts by using these Tire Rack coupons that’s available over there. Really, great savings I kid you not.

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