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Home Money Saving Tips
Money Saving Tips

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This page may not necessarily reflect WNTT station management/ownership opinion.

We hope to keep up-to-date information on how to stretch your dollar.

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He who would be rich,

has not to pick up money,

but to diminish his wants.

Spanish proverb

CATEGORY

Coupons:

NOTE: Requires registration.

 

Credit Cards:

Credit cards were invented to MAKE MONEY. Credit allows you to live above your means, for a while. If you have them, keep track of them. Pay on time and try to pay more than the minimum payment.

Credit consolidation companies. These companies take over your accounts and work with institutions to settle on your behalf. Your credit will still be ruined and they often charge you more than you owed the credit card companies. If you’re in financial trouble and can’t figure it out, get a friend to help you (it will be much cheaper).

Automobile:

Insurance:

This one will cost a little extra, but I believe you’ll find it well worth it. Look at your automobile insurance policy for coverage amounts. Chances are you have 25000-50,000-25,000. For about $7 a month I was able to increase these limits to 1000,000-300,000-100,000.

Muffler Tip:

Got a hole in your muffler tailpipe? You either have to see a muffler shop, or you can visit the local “auto-parts” store and pick up a “repair kit.”

Pick up the cheap one that doesn’t work. You know the one that has a little sheet of bubble gum wrapper and roll of “plaster-of-paris” that you wrap over the hole. This kit is terrible and has never worked for me. However, if you throw away the sheet of “thin” bubble gum wrapper and substitute it for a “thick” sheet of metal (old coffee can cut up) that you wrap around the hole “before” the plaster-of-paris, you’ll get a “cold” weld. This will last a year or so, depending on how extensive the corrosion is.

Replacement Parts:

Aftermarket parts are much cheaper than Original Equipment Materials (OEM).  Case in point: I recently needed a mirror and the piece was over $300 dollars through my auto manufacturer.  I was able to buy the complete assembly (more than I needed) from MonsterAutoParts.com for $200.  Personal testimony: MonsterAutoParts.com is a great site for all your automobile needs.  The site is extremely easy to navigate and their telephone support center has very professional representatives available to assist you.  I give MonsterAutoParts.com a 5 STAR rating!   Ordered my part on Monday and it was delivered to my house on Tuesday.

New Car:

I was in a dealership the other day and overheard a salesman talking to a young couple about purchasing a new car. About that time the salesman asked “how much can you afford to pay a month for a new car?”

I wanted to run over and tell them: hey I’ll bet he can get you in one for the exact number (or more likely just a little over) you give him.

If asked a question like this, your answer should be: “I can afford $1,000 a month.”

Electricity:

Buy one of those Hot Water Sleeves for your hot water heater.

Buy a timer at a local hardware store for your hot water heater.  Set it for one hour a day for small families (2).

If you can, section off your home and buy small window air conditioning units for nighttime, high use rooms (Living. Family, etc.).

Use masking tape to seal around all window and door cracks. You can buy the “window/door kits,” and probably reduce heat loss even more, but masking tape is cheap.

Groceries:

On meat, look at the sell by date, keep track and go back the day before, or at some stores the day the meat was supposed to be "sold by."  You should be able to pick up some great deals on "reduced for quick sale" items.  Freeze what you can't use right away or your savings will be lost.

Watch out for those 2 for 1 deals.  Unless you planned on buying in bulk, you're just spending more money.

Generic Brands:

In many cases, the product is manufactured by a “Brand Name” company and packaged with the “Store” Name Brand. I’ve found that in most cases, you can’t tell the difference. Give it a try, if you don’t like it as well as the Name Brand, then go back to what you like. However, if you can’t tell the difference, you can save as much as 50% or more on “generics.”

All Pre-packaged Items:

Packaging:  check for the amount of "product" in the container.  For example, while shopping for underarm deodorant, I noticed that all of the "containers" were the same size, but had anywhere from 2.0 to 4.0 ounces of deodorant in them.

 

Paper Towels, Napkins and Toilet Paper

You’d be surprised how much you spend each month on these products. I used to use a roll of Paper Towels ($2) a week. Two years ago I bought a package of “Dish Towels” ($5) that I’m still using: I also cut-up rags (old clothes, etc.) to use for “messy” spills. I still keep Paper Towels around, but now use about one roll every two months.

 

Home Insurance:

If you have insurance on personal possessions, I would suggest taking pictures or video of the entire contents of your home.  Why?  In the event that somethings happens (fire, theft, etc.) the first thing the insurance company is going to ask is for proof you had a knife collection, gun collection, etc.  Bottom line: no proof, no reimbursement!