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USAlliance financial offers 2.75% on one year CD September 2018 best rate

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If you want to leverage the fed-rate rise leading to increase in interest rate of certificate of deposits it is perfect time to move your cash balances from your checking account, online savings account, money market account onto CD’s
There are plenty of banks offering 1 year CD at enticing rate of 2.50% per annum
When we look at the profile of these financial institutions they are all FDIC insured upto maximum limit of 250000 per depositor account
I asked them how do they count the 250000 balances and they mentioned that it is combination of balances in all accounts with that particular bank
As such September 2018 is another fantastic month as far as CD rates are concerned. Get 1 year CD at their promotional rate of 2.75% per annum from USAlliance Financial credit union. This is a credit union and covered by NCU
There are many more labor day specials at this credit union

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Homebuyer Checklist with details on How To Buy A Home At USA And Canada

It is the optimal phase for purchase of new home. If you’re curious to purchase a new home, start with a to do checklist to be successful in your endeavor and stay organized with your home search process. Though globally applicable, certain agencies and websites specified in this post are geared towards USA and Canadian Home buyers.
1) Get a free copy of your credit report. It is very important. It can be obtained from websites like www.annualcreditreport.com
2) Know your rights and eligibility. For more details visit Housing Unit Development website www.hud.gov/buying/loans.cfm
3) Look out for mortgage companies. Some banks like Chase offer 1% cash back in your mortgage (contact chase representative to find more details. I just found a flyer in my mail box today. I’m not sure about terms and conditions. Just wanted to share the information with you all). Research a lot and find out mortgage companies. Look out for best interest Rates
4) Know what loans are available for a first-time home buyer. Common form of loans include 30-year fixed rate mortgage which is the most popular loan option, 15-year fixed mortgage, 10-year fixed mortgage whose mortgage rate remains fixed throughout the life of the loan. There are variable interest rate options including 3/1 year ARM, 5/1 year ARM, 7/1 year ARM wherein the interest rate remains constant for 3,5,7 years. After this based on market conditions the rates vary. while determining the best option for you look for principal and interest rate split-up details in EMI chart. This will tell you more details on which one will offer you great benefits. The mortgage interest can be deducted towards your federal income taxes. To know more on this contact your tax filer to get to know how much you can earn back in form of ta credits. Note that in addition to mortgage interest property taxes are also tax deductible
5) Get pre-approved from mortgage broker, bankers, federal credit union who offer home loan, mortgage products. It is to be noted that the pre-approval is the first step needed for your home search process. Also, it is not mandatory for you to stick onto one single mortgage broker. Just like shopping, shop around for cheapest rates, incentives in form of $0 loan officer fees, $0 closing cost, points purchase that will lower down your overall interest rates erc
6) Know your affordable limits. Calculate your own budget. Make sure that you dont default in future. In a way pre-approval limit does gauge your financial condition and provides some inputs on how far you can stretch your limits with home purchase
7) Make a decision on if you’re going for a new home, resale old home or foreclosure home that becomes available via auctions, sherifs sale etc in your local county office, new homes sold by builders, home sold by owner themselves and such different type of homes . I spoke to mortgage loan officer last week and they confirmed that we can get loan for all types of homes including foreclosure homes. There is a common thought in market that foreclosure deals can be honored only in the form of all cash deals. This is not correct
7.1) Type of home – Based on your financial situation, current job position determine type of home you want to settle down. This can be single family home, town home, apartment condo, co-ops , mobile homes etc
8) Check out the local school districts. It is very essential (if you’ve small kids). I checked with a neighbor recently and they mentioned that while checking the school rating the primary item to look out for is always high school rating as that plays essentially important role in determining the future of your kids
9) Start looking at homes. Typically this starts working with realtor, roaming around your neighborhood on evenings, weekends to see sale boards that talk about homes sold by builders directly, homes sold by owner etc
10) Visit the place and talk to neighbors in that area. You will get to know more details as a stranger if you are totally new to the locality
11) Neighbourhood is very essential for a peaceful life. Get your local crime report, details on radon gas leakage, environmental issues etc. These details are essentially included as part of home inspection report. But it is better to be proactive and have good insight on this before you zero down the locality
12) Pick a real estate agent. It is optional . It is highly recommended for new home buyers if you are not 100% sure. In north american countries almost 90% of the sale process starting with home search all the way upto closure happens only with the help of realtor
13) Find an attorney. In many cases the title check is to be done by real estate attorney. Your realtor works with such attorneys. Also, mortgage bankers work with title check, attorney review, appraisers, home inspectors and you can get some bulk discount on such home related service package. Always shop around and look for best pricing package
14) Check comparable sales in neighbourhood
15) Make an offer
16) Start negotiating. Don’t hesitate to drop the proposal if you’re not interested in proceeding further
17) Ask the seller to purchase a home warranty
18) Sign the contract
19) Apply for homeowner’s insurance
20) Get the home inspected. be careful while inspecting home
21) Set a closing date. Be prepared with closing costs
22) Do a final-walk through of the home. You’re done.

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Checklist needed for homebuyer that helps you plan better

Buying a new home is a dream come true. For most of us we want to know the basics before buying a home. Purchasing a new home happens to be dream of lifetime and it is investment of lifetime. Though it may sound familiar here are my simple tips on prepare yourself before purchasing your next new home 🙂
1) Credit Score – You get loan at better rates if you have better credit score. Follow simple steps to have better credit score
1.1) Pay credit card bills on time
1.2) Pay all the bills on time – Some expenses like utilities demand payment from bank account. As such make sure you pay bills on time. Once a bill hits collection this affects your credit score
1.3) Make sure you maintain good credit score atleast 1 year before home purchase
1.4) Simple trick – Pay $1 more than your minimum payment due. This creates impression that you repay more than minimum payment amount and it improves your credit score
1.5) Check your credit score periodically in free credit score websites
2) Open Bank Account – We recommend to look for FDIC insured trusted bank that pays better interest. Have this fund in good standing for atleast 6 months so that you can submit your statement without any delay during mortgage loan processing. In case of joint contract if you maintain joint bank account it becomes really easy to process and approve loan
3) Check for best mortgage rates and lock-in your rates well in advance – Last few months have shown drastic fluctuation in interest rates. If you find a better interest rate,try to lock-in the best interest rate well in advance
4) Start checking out home prices today – For success the main hindrance is laziness and procrastination. This equally applies to home purchase as well. As a debut home buyer, look for prices of homes in your locality starting today. This gives you feeling of what the prices are like in your locality
4.1) Most mortgage providers demand 20 to 25% of home purchase price as down payment to avoid mortgage insurance and get best rates. Mortgage insurance is a totally separate topic and lets discuss in detail later
5) Plan your taxation – It would be interesting to note that be it your own home or rental home, all your mortgage interest, property insurance , mortgage insurance can be deducted in federal taxes. Some states do offer property tax deduction. Even if you own rental property the depreciation calculation helps you bring down the tax liability. Talk to your tax consultant to see how much can end up saving
6) Set-up automatic deposit into Bank account – This would be an indirect disciplinary attitude that automatically deposits money in your account and it grows automatically yielding more interest

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Meet credit card minimum spending to earn cashback and rewards

Every day we get lots of promotional letters in our mailbox. They are typically credit cards from different banks, financial institutions enticing us to sign-up for one. There are few offers that are really worth it.
These offers demand spending certain amount of money within stipulated time period to enjoy the benefits of rewards in the form of statement credits, travel reward points etc. Icing on cake happens to be that this income is 100% tax free. If you would have carefully observed any statement credit that you would have made is typically adjusted towards existing balances, future purchases etc.
In this post lets see what are all the ways and means to meet the spending requirements if that does exceed your regular spending limits. Lets take example of chase card that demands $4000 to be spent within 3 months from the date of registration. The rewards offered is definitely an enticing option that can’t be overlooked.
In a normal family of two, three, four $4000 within 3 months is bit extravagant spending. This does not take into account all of your spending. We should note that only credit card spending is considered towards this. When it comes to single the chances of spending this is even reduced. Lets see what are all the tricks we can apply to take best advantage of such offers
1) Joint Spending – If your family members, relatives, friends haven’t received this offer owing to their bad credit score, you can choose to spend with them in joint fashion. In return you can offer to extend portion of rewards for using your credit card. No one will say no to FREE money
2) Utility bills – Electricity bill, cable bill, natural gas bill, water tax are all can be consolidated to be paid from this credit card for next 3 months
3) Home maintenance bills – Garbage disposal (if this is not paid by your county), snow removal, lawn maintenance, exterminator and such bills can be paid using credit cards. A trick is to pay the home maintenenace personnel well in advance using credit card for an upcoming later schedule. This depends on your rapport with your handyman
4) Grocery bills – Instead of paying grocery bills using cash use credit cards to pay grocery bills
5) Laundry – Instead of using coin operated laundry, go for laundry that does operate using pre-paid cards. This helps you spend your money at the same time earn rewards
6) Support vacation of others – This is an extended help with free coupon for your friends and family members to book their tickets, hotel, rental cars, spend their vacation expenses using your credit card. Offer them portion of sign-on bonus. Make sure they take of the bills 🙂
7) Pay rent using credit card – If you live in an apartment complex, owner tenant leasing option etc try to pay bill using credit card instead of cheque, ACH transfer. Most rental payment services charge as low as 3% to 3.5%. You will have to do it for 3 months maximum but the sign-on bonus you earn is much bigger. In some expensive rental areas this could be less than two months worth of rent
8) Pay mortgage using credit card – This is same as rental payment. Mortgage again can be paid using credit card with little fees for one or two months
9) Pay insurance premium using credit card – Auto insurance, home insurance, mortgage insurance, health insurance, flood insurance, pet insurance and what not? All these can be paid using credit card
10) Buy gift cards in bulk – If you plan on gifting your family and friends after few months, you can make that purchase now and make sure the gift card is valid for more days. This future expense can be done now and you can meet your spending requirement
11) Gas purchase using credit card – If you are using cash as the cashback rewards are not a great option, for 3 months try using credit card to meet minimum spend
12) Car expenses – This starts with auto insurance, car maintenance, car repair, car tire change,car upgrades etc. All can be done within 3 months to meet the threshold. Car inspection is a mandate when you live in states like CT. Pay the bill using credit card. You can choose to pay early on to take advantage of the offer
13) Pay taxes early – State taxes can be paid early. If you think your bill is going to be more pay the amount using credit card well in advance. There is a credit card charge. Make manipulation to see if it is economical to make tax payment using credit card
14) Pay your tax advisor well in advance – Most tax advisors accept cash and bank cheque payment. Chosen few accept credit card payments. You can pay well in advance for upcoming tax season

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Financial Planning from Marriage Till Death Every 5 Years

Savings Age Target Expense
21-26 Marriage, Retirement Savings
27-31 Children, School Donation, Retirement Savings
32-36 Home Down payment, Retirement Savings
37-41 Retirement Investment , continue homeloan EMI, Retirement Savings
42-46 Kids Education, Continue homeloan EMI, Retirement Investment, Retirement Savings
47-51 Complete Home Loan, Retirement Investment, Retirement Savings
52-60 Retirement Investment, Retirement Savings

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PersonalCapital Visual way to track progress easy and perfect way

Have you ever wondered if there exists a free alternative to your cumbersome excel sheet that you make use of to track your assets, liabilities, monthly income, cashflow, expenses, networth and lots more including all of your retirement accounts, credit cards, bank accounts including checking account, savings account, CD’s, daily trading accounts, retirement accounts including 401K, IRA, 529, 403(b) and lots more all 100% FREE?
An all in one solution to track your financial progress in beautiful visual way is Personal Capital
One interesting point to be noted while making use of personal capital software happens to be that this powerful visual interface that makes personal finance management a breeze comes 100% FREE of cost
I’m making use of personal capital software to track and manage my personal finances. All I can say is this saves ton lot of time and it would be a smart move to track all your accounts in one portal. List of items that be tracked and managed includes :
1) All Your Accounts, All in One Place – This is 100% true. You can add your checking account, savings account, CD’s, 401K accounts, 403(b), 457, traditional IRA, Roth IRS, Solo 401K, HSA, FSA , personal brokerage trading accounts such as charles schwab account, TD ameritrade account, etrade, Vanguard, Fidelity, Prudential, Capital one and lots more options to choose from. Also, track your debt by adding credit card accounts like bank of america credit card, chase credit card, discover credit card, citi card as well as credit card from merchant vendors like walmart, target, costco and lots more. You can add your jewelry, worth of your house, worth of your car, cash investment value in accounts as manual entry
Interestingly all the account balances are tracked and manged 100% FREE and automatic by personal capital and you can see the net worth changing each and every day in your personal capital dashboard
2) Dedicated Financial Advisors – Once you sign-up FREE for Personal Capital account you will get an opportunity to schedule a free call with financial planner from personal capital team. Based on your portfolio allocation you get advice on case by case basis from them for FREE
3) Personalized Investment Strategy – This is a FREE service offered by personal capital financial advisor during initial free call. They offer overview of your allocation and provide you great advice on full financial picture of your portfolio

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Life without a car to become financially independent retire early soon Switch to public transit

Have you ever wondered to save in any possible form. An average american spends closer to $8000 in car expenses (cost of ownership,fuel gas,insurance,car wash,oil change,maintenance,repair) in a year. If we look at our credit card debt it is going to be in the range of $10000 to $50000 in many cases. Here are simple tips to settle your debt in less than 3 years
1) Try to live without cars – choose alternate transportaion modes that are cheaper -Depending on the location(east coast/west coast) you can choose bicycle, bus,bike etc as an alternate to cars. This helps you save better in your household income. Lets say you save $5000 on this. This money can be used to pay debt and you have not spent $5000. As a whole $10000(5000+5000) is the savings.
2) An average fitness centre cost is around $50 per head per month. For a family it comes around $1000 per month. Here you save $2000. We need to walk, use bicycle and hence there is not going to be need of any workout. Remember that if you sacrifice your car you are welcoming good health
3) Save money less stress – This is a great impact of not spending too much. Stress levels will be low and you can be relieved of your debts
4) Change in attitude – If you want to have a change in lifestyle basic change in attitude plays the vital role. Have a trial period of 1 month before you sell your vehicle. It also increases your level of confidence.

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Financial Instruments to save and grow money

All of us work real hard to make money, save money, grow money. Lets see some interesting ways and means to save money by investing in many different financial instruments. As a common man all of us do concern about our hard earned money. This concern does make us look for risk averse financial instruments. Today we will be discussing more details on many different instruments to pick and choose from. You can invest in any one of them depending on your risk potential
1) Bank Savings Account – If you want to start earning money on your salary from the minute it is deposits, open a savings bank account and avail automated deposit facility. If you are playing real safe you can choose nationalized banks with best service like State Bank of India, Bank of Baroda, PNB to name a few. IF not look for Yes Bank the fourth largest private sector bank in India. This offers exorbitant interest rate of 7% in savings account for amount over 1 lakh. If you choose to retain below one lakh you end up making 6% interest in savings account. For amount below Rs.10000 you earn tax free interest. In nationalized banks interest on savings account is around 4%. You still have to pay taxes on interest earned in savings account. This is a risk-free safe instrument
2) Fixed Deposits – You can choose to save your money for better returns in 0% risk option the fixed deposit. Choose your tenure, interest rate in bank of your choice. This is an instrument that can be closed prematurely with some penalty. So, liquidity option is perfect with fixed deposit. You end up paying taxes on interest earned as per Indian Income Tax rules. To save money choose to invest in Sukanya Samridhi Yojana, tax free fixed deposits etc. still interest earned is taxable. But your money is 100% safe but return is taxable and is not so great
Sukanya Samridhi Yojana
Prime minister shri narendra modiji has been much interested in health, education and well being of girl children in India. Following umpteen measures taken by him to promote education and well being of girl children in gujarat, shri modi is now taking necessary steps to extend his service across India. This is a step by Shri modi towards Beti Bachao (Save girl baby) campaign
As a first measure towards that Sukanya Samridhi Yojana Scheme has been introduced. This scheme is geared towards well being of girl children in India
1) You can open an account in name of your girl child in commercial banks like SBI, Union Bank, Bank of Baroda, PNB, Bank of India, Corporation Bank, Central Bank of India to name a few, post office. Look for authorized branches in commercial banks
2) Girl child should be less than 10 years. As an initial buffer government offers 1year age buffer. It means girl child who has attained the age of 10 years 1 year prior to the announcement between December 2013 to December 2014, is also eligible to open account under this scheme
3) The best benefit is that you can avail 1.5 lakhs 80C deduction by investing in this scheme. We can choose to invest as low as Rs.1000 upto Rs.1.5 lakh
4) This is absolutely fantastic as only interest is taxable, deposits are safe yielding better
5) You need birth child, age proof of your girl child before opening account
6) Account is easily transferrable form one bank to another as well as from one post office to another post office
7) Early withdrawal for marriage and education is possible. However, only 50% of amount can be withdrawn. However, the girl baby should have attained 18 years before withdrawing money from account. This prevents early child marriage
8) This scheme offers enticing interest rate of 9.1%. Interest earned is taxable , only principal can be availed towards 80C deduction. The interest remains compounded on an annual basis
9) The validity of this account is 21 years from date of opening, or marriage of girl child who has attained 18 years of age. However, not official the age limit of girls marriage can change from 18 to 21 in future and this validity may or may not change in future
So, what is the meaning of sukanya samridhi yojna? In simple terms it means Girl Prosperity Scheme
3) Mutual Funds – Mutual fund is a basket of stocks. These are picked , managed by mutual fund companies. Investment in mutual fund is possible via online portal of banks. Now the MFUtilities India has brought a single window system. Using a single CAN number you can choose to transact mutual funds across participating AMC (Asset Management Companies). Note that many top rated mutual fund companies are members of MFUtilities India. Mutual fund is set of stocks with proper allocation of money in each stock. This is done by trained fund manager. As the advertisement always says mutual funds are subject to Market Risk. Read Investment document carefully before investing. This is less risky compared to direct stock trading. Mutual fund provides hedging which may not be possible with individual stock trading. Maturity period of most mutual funds can be left to investor. IF you want break and take it today. However, as per tax laws if you choose to hold a mutual fund for more than 1 year you pay no taxes in India. There is a special class of mutual fund called ELSS the Equity Linked Savings Scheme that has lock-in period of 3 years. You can’t break and take it before that. Though the mutual funds offer better return that are riskier than stocks
4) Stock Trading – If you wan to trade stocks in BSE, NSE stock exchanges directly go ahead and do so. Stock trading is the riskiest investment option with best returns and rewards. Open a trading account and start your trading today
5) Bonds – Bond in simple terms is a credit instrument offered by government, public sector agency, private companies. This offers interest rate with period of 1 year upto 10 years. Risk is associated with bonds. they are not 100$ safe as fixed deposits
6) Debentures – Though they serve purpose same as bonds they can be convertible to company shares in future as well as offered in non-convertible form with coupoun rated from 9% to 12%. They can be purchased using trading account. Some popular firms that have raised investment using NCD include Muthoot finance, Shriram transport finance etc
7) Treasuries – These are instruments offered by government that carry low risk
8) Fixed Maturity Plan – They invest in debt instruments that mature within the plan period. They are less risky but can be yielding better at times
9) Liquidity funds – They are offered for less tenure like 91 days. These instruments involve investment in debt instruments and can be liquidated real fast

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99 babysteps to save money for everyone of us

Path to millionaire journey starts with baby steps. This is a journey and strategies need to be adopted starting from day 1 to save money. We have collected and given 99 tips that will help you save money to start with
1) Open savings bank account – You can start creating bank account from day 1. As a parent you can create a new bank account to your baby as soon as they are born. IF not the moment you make your first dollar open your bank account. In general cases many people go behind checking account. In my experience savings account come with some restriction but offer interest rate. Henceforth, open a savings account immediately along with checking account
2) High interest rate savings bank account – This is an extension of tip 1. Recently I’ve started using fully online bank accounts like allybank, everbank, barclays, synchrony bank etc. I find that they offer atleast 1% APY as opposed to .01% to .08% rate in popular branded bank accounts. These bank function no different than bigger banks. They offer debit cards that can be used with major bank ATMs. Fees will be refunded in most cases. check with your online banks before utilizing the services
3) Retirement options – Once you start making money always focus on saving as much as you can on pre-tax basis. This starts with reading your employer handbook to determine what retirement options does your employer offer and start utilizing from day 1. In case of self-employment look for tax saving options that come as part of self-employment
4) 401K – This is a major tax saving tool that offers employee to save upto $18000 per annum on pre-tax basis as of 2017. The maximum contribution limit is set by IRS the Internal revenue service and keeps increasing from time to time. Only caveat with 401k being it should be sponsored by employer. The money saved in 401K account is both federal and state tax free. The amount is deposited in mutual funds and they offer dividends on annual basis. As with normal funds your funds charge certain fee on annual basis. Check your allocations and balance the funds regularly for better investment return
5) Solo 401K – If you are self-employed you can open 401K on your own. The maximum contribution limit can go upto $50000 depending on your income ranges. It would be preferable to talk to your CPA to know your annual contribution limit. Again this is 100% pre-tax and helps you save on federal and state tax
6) HSA – The Health Savings Account is a healthcare option that comes alongside HDHP (Highly deductible health plan). This account comes with annual contribution limit of upto $6750 per annum for family. This varies from year to year and limits are set by IRS. This option has reasonable premium option, but deductible is real-high.
7) 529 Plan – The moment you touch the cute little finger of your loved new born baby you start feeling the responsibility. This is children education savings plan. Though you can’t enjoy federal tax benefits, some states like NYC offer upto 10K deduction in state taxes
8) Traditional IRA – If you dont have 401k option, IRA is an alternative tax saving option. Even though you have 401K, if you have salary within limits you can choose to invest in IRA. There are limits that caries from year to year as set by IRS
9) Roth IRA – This is post-tax instrument but have unique advantage of withdrawing earnings tax free once the roth IRA has been established and in existence for the past 5 years. Also, the investment earnings can be withdrawn for children educational purposes
10) Shop around of insurance products in case of self-employment
11) Save money on insurance combo – Most insurance companies offer best premium on auto insurance, home insurance, health insurance
12) Restaurant Rewards Program – If you visit restaurant regularly it would be better to first check and see if the restaurant has rewards program. Never miss the option to accumulate points, rewards, opportunity to avail freebies availing your loyalty to particular shop (or) restaurant
13) Download mobile app of major restaurants, shops, grocery stores to not miss loyalty visit
14) Shop clothing based on need not based on fashion. Look for shop deals , coupons, discounts, rewards, choose correct season for apparel purchase
15) Purchase any item with quality in mind. Even if it is $2 more today, the product will have to last more years so that there will be no need of re-purchase
16) Party/Event purchase at dollar store – Based on my personal experience, I spent nearly $90 in party store to host a party recently. Surprisingly at dollar store I see all those items all listed for $1. Ideally it would have cost be $25 or less. For anything and everything dollar store comes first
17) Purchase cutlery at dollar store – I used to buy knife, cutlery all for cheap and on deal at walmart all these years. Recently I can see knife at $1. This is found to be working fine without any issues
18) Don’t think cheap items are always worthless – Above two points talk about my recent real life experience. So, never discount dollar products to be worthless
19) Purchase toys at discount stores – Again I used expensive branded stores for toy purchase. My next choice was costco as I had costco membership and was of opinion that the toys are cheap and will last longer. IF you look at life of toys they are nearly 6 months to 1 year and life of toy need not be given too much importance. A friend suggested me to try discount stores like amazing savings, dollar mart, dollar tree for all toy purchase. I find lots of options at great affordable prices here
20) Room sharing – This is a way to save money on rental. If you are smarter you can purchase apartment, share it with friends pay the mortgage from the money you make from rental sharing. All that needs is little responsibility and confidence to proceed further
21) Save on rent – Choose a place based on your usage. If you dont want additional space rent it in case of your own home, share it with more roommates in case on rental
22) Save on groceries – To keep this simple, create a list of groceries needed for the month, prioritize it, wait on coupons, buy items that are on deal. If an item is not on a deal but needed, go ahead and purchase it without delay
23) Purchase toiletries in bulk – Typically thanks giving, December time frame you find great deals on toiletries like soap, shampoo, toothpaste all will be on bundle, sale in the month of november, december. Also the items have expiry date of minimum one year. Henceforth, purchase and stock items in bulk for next 1 year. Check the expiry date carefully before purchase
24) Buy glass items needed for decorating home in dollar store. This week I did go to dollar store and could see glass bottles of different shapes in circle, pot, heart all for $1. Same items cost no less than $2.99 in stores like walmart
25) Check your spending on home decoration items – Look for deals, purchase items in shops like dollar store to cut down expenses
26) Buy postal envelope in dollar mart – Again this costs more in places outside dollar store
27) Create baby registry in target.com – Signup for coupons in target.com that will help you get email alert on baby items on sale. As with toiletries baby items can be stacked in bulk
28) Save on baby formula by signing up with popular brands like enfamil, similac. They send you monthly coupons, sample formulas that help you save good
29) Check with your insurance company and avail opportunity to get your breastpump for free from companies that have tie-ups with health insurance providers. This helps you save better
30) Utilize free programs from health insurance companies rather than spending on health membership clubs. Check with your insurance provider to learn more. In addition to availing program for free these programs help you earn money towards incentives
31) Negotiate on home improvement and maintenance professional search – Pick and choose atleast 10 service providers in your area, mail them your requirements and get quote. Talk to them individually and negotiate a price 10% lower than cheapest quote. This will hep you save better
32) Check with auto insurance companies periodically to cut down insurance and save better. None of the insurance companies will tell you about it. IF you have better driving record, you have great negotiation options to choose from
33) Signup with deal sites like groupon, livingsocial, adility, atcost, bligdeal, buywithme, clickon to get coupons on spa, beauty parlor in your area. On an average this helps you save 30% to 70% in some cases on beautician, spa costs
34) Deals from sites like groupon, livignsocial,adility,atcost, bligdeal, buywithme,clickon will help you save on event tickets, entrance passes in zoo, aquarium etc
35) Signup with local zoo, aquarium, spots locally. In the newsletter you get to know details on ongoing events, deals, ticket pricing discounts, children programs and lot more. this helps you save better
36) Check your medical claims carefully, see if you can negotiate with healthcare provider to cut down on bills. Typically if you would have availed service from hospitals, they offer programs that does offer discounts upto 20% if you choose to pay the bills with credit cards instantly. Ask them even though they dont offer something on their own
37) Buy monthly passes on public transportation to save 20% cost on transportation on an average
38) Choose to rent your car to friends and family on weekends if you dont use it during weekends
39) Shop around for best mortgage rates during home purchase. Say you would have gotten pre-approval from mortgage banker. But that doesn’t end here. You need to shop around, negotiate on interest rates. This helps you save in longrun
40) Accumulate points in travel sites like expedia, priceline, orbitz etc. I choose to make use of single travel site for all my booking. Though before any travel I make it a habit to check for best deals in kayak, make sure same deal is available in the travel site, book it from my travel site so that I can accumulate points, use it better
41) Avoid travel agents for booking your travel both local and international. I happened to contact a travel agent for my international travel booking last year. We nailed down on a price and I asked him 30 mins to come up with my credit card and full details. He called me 20 times in 30 mins. I did doubt and checked kayak, found the same tickets $100 less. So, do little work yourself, save bleeding money on travel booking
42) Make it a point to check gmail promotions tab before you make any purchase for any reason. There can be unexpected deals from merchants that you would have worked with longtime back. These deals could have been something that you would not have imagined, some new programs from them that they did introduce very recently, some on sale coupons etc
43) Sign up with walgreens.com, cvs.com to get coupons offers on products even like fitbit devices
44) Signup with health savings programs. There are some online options that pay you say $5 for completing 50000 steps in fitbit. I have joined one such program with walgreens when they originally introduced their rewards program around 2014-2015 timeframe. This motivates you to workout and save better
45) Avail the home pharmacy program option from your health insurance company. The price of prescription drugs from these companies are found to be 5% to 15% less than their pharmacy counterparts like walgreens, CVS even costco pharmacy in some cases
46) Costco photography department offers cheapest passport size photograph pricing. They are cheaper than CVS, private photographers. If you have camera at home, confident photographers take a picture yourself, upload it onto some online software programs that will help you get passport pictures online, take simple printouts online that is even cheaper than costco
47) Sign on bonus on banks are something you can’t discount. I read many articles talking for and against opening many bank accounts for sake of signon bonus and their impact on credit score. IF you already own house, you don’t have to worry about this. These signon bonuses are enticing and easy free money that you cant ignore. The rate of return is far better than stocks in many cases
48) Save on high interest rate credit cards. Check for offers that have very great balance transfer option with as low as $5 or 3% balance transfer fee
49) Consolidate multiple credit cards with as high as 20% interest rates onto a single credit card with as low as 8% interest rates. This loan consolidation is a common offer email I get from banks like discover card
50) Apply for travel rewards credit card, use it for travel expenses. These cards offer additional reward points on travel purchases
51) Signup with rental car service companies like Avis budget, Enterprise rent-a-car to sign-up with them in their programs like enterprise plus. This helps you save lot of money and get deals from them
52) Choose to travel with children in lap before they turn 2 years. Kids below 2 years have free entrance ticket, free travel tickets and lots of free perks in many visiting spots, airlines
53) When it comes to stock trading make use of etrade brokerage accounts that charges you as little as $10 per trade. They dont charge on commission basis
54) Some credit card companies like chase offer unbelievable travel reward points on any spend within stipulated time frame . Much of them have fee waiver during first year even of not the fees is ignorable in first year.They can be closed at end of first year
55) Rather than adding spouse as additional partner to single credit card, each one of you can apply separately and this provides additional monetary sign-on benefits
56) Have membership with premium hotel groups that offer enticing reward programs that can be transferred, combined and utilized for maximum benefit
57) De-clutter kitchen shelf and organize groceries regularly atleast once a month. This is a house keeping tip that internally helps you save money. Before you generate your upcoming month grocery bill you can be double sure if there is sufficient stock or you still need to make the purchase. This helps you stockpiling groceries and save money that otherwise would have been spent unnecessarily
58) De-clutter and organize refrigerator shelves regularly. This will help you store vegetables fresh, make use of sensitive vegetables first, avoid vegetables and fruits from getting spoiled
59) Organize your dress shelves regularly so that you will come to know what apparel to purchase, plan and purchase it at deal and discounts
60) Sell old books via amazon, ebay etc. If you don’t want to sell the books donate it to library. This can be shown towards tax deduction that particular year. talk to your CPA to know more on this
61) Talk to your cellphone company to see if there are some current offers and options that will help you reduce your cellphone bill. As an element of good will you will get some $20 to $25 credit if you call them may be once in a year or 6 months at their will. I’ve seen this happening with my mobile providers in the past
62) If you have smartphone like iphone, samsung S series etc you will be tempted to make use of internet from your mobile device. This is really expensive. Make sure you enable wifi from day 1. When you enable this typically this is part of your internet service provider and cheaper than direct data usage
63) Talk to your internet service provider to cut down frills that add additional pricetag in your internet bills
64) Make use of proper window shields to avoid seepage of cold air. this helps you save better in heater bills
65) Switch off TV, radio, fan and such electronic gadgets when you no longer make use of this. This helps you save money in utility bills
66) Buy cleaning solution on deal and in bulk from stores like costco, walmart
67) Costco membership offers plenty of benefits particularly great savings in diary products like milk, yogurt, fruits etc. Check the monthly savings guide from costco that gets shipped on monthly basis
68) Look for local shopping guides to get deals on summer camps, local classes, classes that gets conducted in local community that helps you save better. Such classes are typically conducted in local temples, libraries, community halls etc
69) Save on school bags, stationary items by purchasing in off peak season
70) Purchase laptop only based on your requirement. Often we get enticed by server type 16GB memory, 2TB hard disk configuration which is not needed for your daily needs. Saving and choosing correct PC configuration will help you save closer to $500
71) Save money on hosting package by purchasing in bulk like 3 year on deal price. I make use of siteground and love them. IF you buy brand new hosting at siteground it comes with free domain for one year after which you will pay somewhere around $17 per year. This is a reliable web hosting company for both personal and business websites in my opinion
72) Purchase cheaper domains from godaddy, remap the name servers to best and cheap hosting providers like siteground to save better. Some godaddy coupon offers run upto 5 years on deal price. Avail this opportunity
73) Apply for target.com credit card that offers enticing 5% off on all the purchases made with this card in target both in-store and online. However maintaining one additional credit card is little extra work you need to do
74) Choose to buy kirkland products while you are in costco, simple example ebing I started buying kirkland water instead of poland spring recently and don’t find much difference but good price difference. Choose to replace brand items with kirkland. I’ve seen very great savings particularly with vitamin pills, generic pills
75) Flu shots in costco have been found to be cheaper than flu shots in other pharmacy
76) I prefer payless for shoe purchase. They offer better quality shoes for better price
77) For winter clothing shop during summer. I buy items in stores like burlington coat factory, costco, walmart to save better. Also these are quality items that last longer
78) Purchase cooking oil in bulk at costco. This is an expensive cooking ingredient that can be saved by making right purchase
79) Replace your cable with netflix that offers plethora of options for as low as $11 per month
80) Choose to stick to single auto repair shop for oil change. Some auto repair shops offer customer loyalty programs like oil change free after certain number of oil changes. Same does apply for tire change etc
81) Check deals on tire prices in shops like costco, firestone, bridgestone to get coupon deals. Have membership with them to get monthly coupons shipped to inbox, mails etc
82) Visit your dentist, vision checkup done, annual physical done once a year. All these are covered for free by most insurance providers. Check with insurance providers on this. Also reporting these activities will help you earn rewards
83) Save in 403(b) pension plan if your employer does offer one
84) Utilize credit card cash back rewards on bigger gift cards, travel points redemption for better yield compared to direct cashback redemption
85) Use proper cards on proper purchases. Say cards like discover card offers about 5% cash back on purchases in online retailer like amazon.com in chosen seasons. Similarly chase offers restaurant 5% cashback, grocery 5% cashback, barclays travel reward card offers double points on travel purchases like airfare, hotel, rental car, vacation tickets. Make it a point to activate cashback calendar in all cards beginning of season so that you dont miss this option
86) Pack your lunch to save money on outside food
87) Locate a travel planner who does offer service for free. This is common in case of disney vacations
88) Prepare list of places to visit before travel. Navigate to each and every website, look for online coupon, deals, book in advance as online sale will offer discounts in some cases
89) Save money on fuel by sharing the ride, car pooling to distant places
90) Hand made crafts are best for occasions like birthdays, valentine’s day etc
91) Restaurant offers sale online, discounts during occasions like diwali etc
92) Prepare home made sweets, savories in bulk. store it for snacks rather than relying on outside food
93) Make use of newspaper as an alternate to shelf mats in kitchen
94) Purchase kitchen plastic boxes in cheap stores like walmart, dollar store, amazing savings etc
95) Purchase coffee maker at home, buy coffee sachet from starbucks, make coffee at home to save better in latte if you are coffee fanatic
96) Buy handbag, leather belts, luxury items from stores on deal and on sale
97) Pay the extra money saved towards mortgage principal to pay back the amount as soon as possible
98) Replace yellow bulbs with white bulbs to save on electricity bills
99) Recently I came to know that we can negotiate utility bill rates by talking to utility provider. Check the utility providers in your area to save better