Here are some tips for saving money:

* Eliminate stamps, envelopes and checks from your life. Take advantage of the many online banking and bill-paying programs available. Keeping digital records can also help you better organize and monitor your finances, which can help you better control your spending habits.

* Comparison shop online. For example, if you’re looking for a baby car seat, type in “baby car seat” into a search engine and start looking for the best prices with the best products. Make sure you check out consumer reviews, safety articles and even blogs for information. Get your calculator out, because sometimes the special deals promoted on product sites end up costing you the same — or more — than a regularly priced item.

* Look for coupons and coupon codes. This is an invaluable tip, because there are thousands of codes available for your use when shopping online. Go to www.shopaneer.com and search for discounts, free shipping offers and buy-one-get-one-free offers by product, store, category or the item you’re interested in.

Shopaneer has more than 10,000 special deals submitted by users, stores and companies. Any expired coupons are immediately removed from the site and there is a report button if you find a coupon that doesn’t work. If you are a frequent user, you can take advantage of the new coupons tab, so you don’t miss out on any of the fabulous deals.

* Bargain for swaps or special prices. This is where the junk lying around your house can become someone else’s treasure, and vice versa. Posting your unwanted items on auction or swapping Web sites can bring in extra cash, and bidding on an item can help you get a lower price than buying it at a store. Either way, you’re saving money.

* Use the Internet for any of those minor costs that can add up over time. For example, calling directory assistance for a phone number can cost as much as $1 per use. But with a quick search on the Internet, you can find the phone number and address without any extra charges. Or if you need to buy gas, it’s cheaper to search the gas price postings online before you head out the door so you’re not overpaying or wasting gasoline trying to find the best price.

Courtesy of ARAcontent

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Simply upgrading to the right high performance motor oil can improve fuel economy.

(ARA) – Automobile insurance rates, maintenance and repair costs and vehicle ownership expenses continue to rise. Gasoline reached record high prices in 2008 and the U.S. Energy Information Administration expects fuel prices to rise again in the future. Thankfully, you don’t have to alter your driving habits or buy a new car to get some relief. Here are some quick, inexpensive and easy ways to save money with your car.

* Get slick to reduce maintenance costs and to save fuel.

Upgrading to one of today’s modern high performance motor oils can make a meaningful improvement to your car’s fuel economy and engine life. For instance, independent studies have documented that Royal Purple motor oil improves fuel economy by as much as 5 percent and significantly reduces engine wear. Using high performance synthetic motor oil, as opposed to conventional oils also allows for more miles between oil changes, reducing maintenance costs and the amount of time spent on maintenance. You’ll pay a little more for premium motor oil but the savings in fuel and reduced maintenance costs more than make up for the higher price. You can find out more about at www.royalpurple.com .

* Reduce your insurance costs by doing your homework.

One of the simplest ways to reduce insurance cost is simply to shop around. Prices vary from company to company, so it pays to do your homework. Get at least three price quotes. You can call companies directly or access information on the Internet. Your state’s insurance regulator may also provide price comparisons. Other ways to reduce insurance costs can be found by visiting the U.S. Insurance Information Institute’s Web site.

* Mind the air to save money on fuel.

The U.S. Energy Department reports that under-inflated tires can increase fuel consumption by up to 3 percent. One study estimates that 50 to 80 percent of the tires rolling on U.S. roads are under inflated. Astonishingly, we could save up to 2 billion gallons of gas each year simply by properly inflating our tires.

Secondly, a clogged air filter can increase fuel consumption by as much as 10 percent. Air filters keep impurities from damaging the interior of the engine, so replacing dirty filters will save gas and protect your engine. More tips to save money on fuel are available at www.fueleconomy.gov.

An astute driver can save hundreds of dollars a year on automotive expenses without buying a new car or changing lifestyle. All it takes is a little time and research, and the good sense to choose better performing products.

Courtesy of ARAcontent

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