How to Save Money on Auto Insurance – Easy Ways to Save Money

Auto insurance is a necessary expense, but one that we often spend too much for.

Many people seem to be much more likely to look for ways to save on groceries by clipping coupons or to save on gas by driving around town trying to find the lowest per gallon price rather than looking at their auto insurance.  Often people choose their auto insurer, pay their premium every six months, and don’t think about it further.

Yet why pay more than you have to? 

There are plenty of ways to trim your costs and save money on car insurance.

Consider the following easy ways to save on auto insurance:

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Don’t Underestimate the Cost of Living When Deciding Where to Live

I live in the suburbs of Chicago, and recently, after 11 years in the same apartment building, my husband and I re-entered the renter’s market.

When we first began renting at our last apartment, the two bedroom apartment was a bit too big for us.  Three kids later, we were bursting at the seams.

However, we were shocked to see that 3 bedroom apartments in our location rent for $1,300 to $1,800 a month.  Houses can rent for as much as $2,500 to $2,800 a month.

Houses Are Often Out of Reach

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How to Negotiate Lower Rent in Your Current Apartment

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In this market, many new renters are freely negotiating with prospective landlords on the price of rent and having success.

However, what if you are currently locked into a lease and don’t really want to move?

If you have been in your apartment for several years, before the downturn of the housing market, you may be paying up to a couple hundred dollars more than new tenants.

Luckily, there are still ways you can negotiate a lower rent payment.

How to Negotiate Lower Rent in Your Current Apartment

Know the market.

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How to Get a Bargain When Apartment Hunting

The uncertainty in the housing market along with more stringent lending standards is driving more people to rent rather than buy.

Even though there may be more people in the renting market in addition to the usual renting population, there are also more people turning the homes they own into rental units rather than having their home languish on the market for months or years.

This means that the rental market, like the housing market, is currently a renter’s market.

Here are some tips to take advantage of this and get a bargain when apartment hunting.

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Do You or Your Spouse Handle the Finances Solely? Why This Might Not be a Good Idea

When a couple gets married, one of the first things that have to decide is who will pay the bills and make financial decisions.

Ideally, both people in the relationship would make joint decisions and have open discussions about their finances, but unfortunately, this seems to rarely happen.  Instead, they may talk out large purchases, but the day to day household spending, budgeting and bill paying seems to fall on one partner.

This is generally a bad idea for both parties.

What Can Go Wrong When One Spouse Handles the Finances Solely

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Alternatives to Joining the Gym

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Every new year, people resolve to lose weight and get in shape.

One of the ways they often try to do this is to join the gym.

If you go to any gym around the country in January, you will notice that it is packed with well-intentioned people; however, come March, what does that same gym look like?

Suddenly it is much easier to use the equipment because there are fewer people waiting in line.

Resolving to lose weight and/or get in shape is an excellent goal for the new year.

Not only will you feel better, but you could likely save your future self money by proactively taking care of your health and avoiding high medical costs in the future related to excess weight.

However, joining the gym and spending a great deal of money upfront is not necessary as there are many other, more frugal, ways to lose weight and get in shape.

Alternatives to Joining the Gym

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The Art of Getting Rid of Unwanted Gifts

Unfortunately, it happens almost every year — well meaning friends and relatives give you Holiday gifts that you have no need or desire for

Of course, when you open the presents, you pretend to be delighted with the gift, but secretly you may be wondering what to do with the additional clutter.  Unless you have a very open relationship with the gift giver, asking for a receipt to return the item is very difficult to do and not recommended.

Enter the Art of Getting Rid of Unwanted Gifts:

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