Category: Personal Finance

DailyWorth- FREE Smart Money Tips

DailyWorth is a free daily personal finance email for women. It delivers practical tips, empowering ideas, and the occasional kick in the pants. DailyWorth tips cover self worth, net worth, saving, spending, earning, investing, taxes, entrepreneurship, financial feminism, and much more. More than ever, money matters to women. Women need to recognize their own self-worth and build their own wealth.

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TMR Frugal Living Tip #98- Raise Insurance Deductibles

Today’s thrifty living tip is to raise your insurance deductibles. This one can save you as much as $200 a year depending on your rates. I know I saved us about $220 yearly by raising our auto insurance from $500 to $1000 each. Our auto insurance rates are pretty high living in Louisiana compared to many other states and ditto on house insurance. We can thank the hurricanes for that one. I also raised our home deductibles which also saved us another $300 a year. That is an extra $50 a month.

I do get a small discount for paying the house insurance premium annually instead of monthly. I also switched our automobile insurance to Allstate and saved us over $70/month! That is a huge savings! I am now sticking that money into savings to help boost our emergency fund. We already have our deductibles covered in savings.

Your savings will vary and it might not be worth it for you. It never hurts to investigate just to see are you getting the best rates you can. Wouldn’t an extra $25 or more a month be nice in your wallet instead of theirs? I know I am glad I switched our insurance and much rather have that extra $70 in my pocket monthly.

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It delivers practical tips, empowering ideas, and the occasional kick in the pants. DailyWorth tips cover self worth, net worth, saving, spending, earning, investing, taxes, entrepreneurship, financial feminism, and much more. More than ever, money matters to women. Women need to recognize their own self-worth and build their own wealth. Now women can take control of their finances by signing up for DailyWorth.

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TMR Frugal Living Tip #87

thriftymommaramblings.comgiftist

Today’s thrifty living tip is to take an inventory of purchased gifts. This is the time of the year I take advantage of clearance sales by purchasing gifts now to give throughout the year. I like to have a stockpile of gifts for teachers, last minute gifts, kid birthday parties, or gifts you know a certain person would love. You aren’t saving money if you forget you have Aunt Sally’s gift sitting in the closet so go out to buy her another one. What if no one else on your list likes poodles? Then you’re either stuck with it or donate it to charity.

I like to keep a list either on my smartphone or computer with all the gifts I have purchased. I know what I have in my gift closet, and I know who is getting what. I do make changes if I find something else during the year, but I make sure to change it on my list. This keeps me organized and on budget. I also have a special closet where I store all the gifts. Lately I have started storing them in a chest, and I keep an extra list taped to the inside lid. I have my list in two spots. Do you have a system to keep you organized for extra gifts? I have also created a gift list that is printable for anyone to use. I would appreciate a link back to my blog if you decide to post it on your blog or website. Just save the picture and then you can print. Enjoy the free printable gift list.