1.Go with Subscriptions
Sure, you can shop the at the grocery store with coupons in hand to save fifty cents off of your next issue of Woman’s Day. But purchasing a subscription for that mag will save much more than fifty cents over the course of the year. Order them online, or fill out the card that always falls out of the magazine when you take it off the rack. Or save even more with these ideas on how to find cheaper subscriptions.

2.Shop Around for the Lowest Prices
There are plenty of websites that offer saving money on magazines. But don’t take our word for it – shop around the Internet for yourself to find the best subscription rates on all your favorite titles. You might be surprised at how much those “set rates” can fluctuate.

3.Use Professional Affiliations or Frequent Flyer Miles
Teachers, writers and other professionals can all get discounted magazine subscriptions for publications catering specifically to their line of work. Ask the customer service department of your favorite publication if they offer reduced rates to professionals in related fields. Frequent flyer miles are another great tool for saving money on magazine subscriptions – simply cash them in and save!

4.Check out eBay
With some serious shopping and a degree of caution, you can really save a fortune on magazine subscriptions sold on eBay. Safeguard your purchase by restricting your purchases to brokers who have a top notch rating, and you may find you’re getting your favorite publications for next to nothing.

5.Ask about Past Issues
If you don’t need the absolute latest edition of your favorite magazine, you might save significant cash by asking retailers like Barnes and Noble to purchase magazine issues that have come and gone over the past couple of months. Some of these companies would much rather sell old publications cheap rather than having to send them back to the publisher or trash them.

6.Read Online
Many popular magazines offer their top articles online for readers to enjoy for free. If you don’t care about receiving a physical copy of your magazines, this may be the cheapest way by far for saving money on magazines.

You may be saving bucks this year, but that doesn’t mean you have to sacrifice your favorite reads. With these tips for getting magazines on the cheap you can enjoy your faves and save dough at the same time. Happy reading!

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We’ve got ideas for getting your money’s worth from rebates with a system you can live with.

Rebates can be found wherever you find grocery coupons; in the Sunday newspaper, the grocery store circulars and at the store itself. Some drugstores like Rite Aid and Walgreens offer their own rebate programs, so you send rebate forms directly to the drugstore company. You can also find rebates through websites that offer coupons, and certain manufacturers will post rebate offers right next to the product for sale in the store.

The key to saving money on groceries with rebates is to remember to send them in. Most companies count on the fact that rebate offers will get consumers to buy, but the rebate forms are quickly lost and forgotten and the savings never come. You can buck the trend by implementing your own organization system for tracking rebates and getting them submitted on time. Keep in mind that most rebate offers require the receipt from the store and a UPC code to be considered, so find a system for tracking these items as well. It usually helps to submit the rebate shortly after receiving it so that forms and receipts don’t have time to get lost in the shuffle.

There are a few reasons why rebates commonly get rejected. The first is that the rebate is sent after the expiration date, so highlight those dates and make sure you allow plenty of mail time to get your rebate delivered. Another frequent problem with rebates is that they are mailed to the wrong address, so get your information straight before filling out your envelope. Rebates must have a sales receipt attached, so hang onto those receipts after entering them in your checkbook. Finally, read the fine print to see if any other documentation, like a UPC code, is required.

Save Over $10,000 A Year in Groceries: In their Grocery Savings e-book, Tawra and Jill explain why using coupons is not the best way to save money, how to shop without making so many impulse buys, how to organize your pantry, make a shopping list, and reduce food waste at home. Click Here to learn more about the Grocery Savings e-book.

Another ideas for saving money on groceries with rebates is to make a copy of your rebate form and the other documentation for your records in case your rebate never comes or you need to recheck your information for any reason. Most consumers who use grocery rebates regularly find that manufacturers will send out rebate checks fairly promptly.

Coupons are great, but rebates can provide even more savings in your quest to trim your budget during these tight economic times. Find the rebates, get them organized and send them in promptly. The savings will be in the mail.

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If you have a garage, but you are not using it for anything but storage, clean it out and keep your car in there to keep it cooler. By keeping your car cooler, you do not need to get in and let it idle during the summer to get it cool with the air-conditioning, or in the winter to keep the ice off the windshield.

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Discover How You Can Get 25-40% Better Gas Mileage

If you drive on average 20 miles per day and you vehicle gets 20 mpg, you are using a gallon of gas a day. At $4 per gallon you are spending around $120 per month on gas. Over the course of a year that is almost $1,500!!

Now if you can increase your MPG by 33% by using the simple and free techniques in our guide, you could save yourself almost $500 per year. Find out how much you can save on gas. Click here for more information:
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Why do they lock gas station bathrooms? Are they afraid someone will clean them? ~Author Unknown

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Dental care doesn’t have to break the bank, you can save money on dental insurance if you take advantage of the following tips to keep you smiling for less.

Discount Plans

If you do not have dental insurance through your work or cannot afford to pay the high monthly premiums, then you will need to find a discount dental plan that will enable you to receive routine care at an affordable price and to pay much less if a more expensive procedure becomes necessary at some point.

Click Here For Aetna Dental Access®

Do not make the mistake of many others by assuming you cannot afford to see a dentist and letting your teeth go. You will end up spending a lot more money down the line, and it will all come out of your bank account if you are not signed up for a discount program.

There will be a yearly or monthly fee involved with a discount plan, but it will be much lower than paying for an insurance policy and it will guarantee you lower prices than you would pay if you were completely without coverage.

You will still have to pay for your work at the time of service just as if you didn’t have any coverage at all, but the dentist’s enrolled in the discount plan have already agreed to give you a much lower pricing scale than they normally charge. Most plans will give you between ten and sixty percent off everything from routine cleanings to dentures, root canals, and sometimes even teeth whitening services.

If you don’t have insurance and need serious work, sixty percent off could make the difference between not being able to pay for the procedure at all and successfully caring for your teeth. You can search these discount plans online, and most allow you to quickly register online and get the discounted prices within a matter of days.

Enter your ZIP code to view plan details, savings information and participating dentists for all available discount dental plans in your area.     Find my dentist

Just like people who have insurance are advised to stay with dentists who are in their network, you will have to use a dentist that is in the network of your discount plan, so  make sure to check that there are some available in your area before committing to a plan.

If you do have dental insurance make sure you know the terms of your policy. Do not assume that everything you need will be covered, because in many cases it won’t be, and you’re likely to find out too late. If you foresee that there may be more extensive dental work coming in your future it may be a good idea to switch to a policy with a higher yearly maximum, or which covers a higher percentage of the procedures you think you’ll need done. This may cost a little more per month right now, but can save you a large lump sum of cash down the line.

There simply is no excuse to neglect your teeth, whether you have insurance or not. The reduced charge with a discount plan is actually much less than the co-pay most people pay for their more expensive insurance plans. If you have very healthy teeth and do not see any major work in the near future, it may even be in your benefit to sign up for one of these discount programs instead of regular insurance, at least for the time being.

Stay In-Network

Since there are so many different insurance plans out there, and now there are even more discount programs open to anyone, it is impossible for every dentist’s office to accept coverage from every plan out there. Your insurance company will be able to provide a listing of dentists who are in their network of care, and you should choose only from this list if you are concerned about out-of-pocket expenses.

Dentists outside of the network will cost a lot more to visit, both in terms of upfront co-pays as well as the percentage of more expenses bills that the insurance is willing to pay. Those that are in-network have agreed to certain prices for certain services with your insurance company. It is highly likely that an out of network provider will charge more than these rates, and you will be responsible to pay the difference. Therefore, you get the most from your insurance coverage if you stay with a dentist that is in their network of providers.

If you cannot find a dentist in your network that is reasonably close you will need to look into a new plan that is more common in your area. You can usually find complete listings of in-network providers on your insurance company’s website, or you can request one be sent to you through mail.

Click Here For DentalPlans – Savings, Service, and Selection

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Most of the time, you may be motivated to save money but there are times when temptations come your way and before you know it, you have already spent the amount that was supposed to be added to your savings account. Here are some helpful tips on how you can avoid temptations and be able to save money:

1. Try hard to avoid those things that keep you from saving. If you are fond of buying shoes even if you don’t really need them, try very hard to stay away from them. Keep yourself away from shoe stores so that you will not be tempted to buy one.

2. When going to grocery stores. Always bring the exact amount and bring with you a grocery list. If you have limited money in your pocket when in grocery stores, you will be forced to buy only those important things that you need. Preparing a grocery list will also help you get organized and will help you in deciding the things that need to be prioritized.

3. Go to the malls only when needed. Do not go shopping if you do not need anything important to buy. Window-shopping will only tempt you to buy the dress you saw in the boutique even if you don’t really need it.

4. Do not bring with you your credit cards all the time. Having a credit card in your pocket will only tempt you to buy things that are not necessary. This will also help you lower your balances and have a good credit score.

5. You may also want to consider consulting a financial advisor. There are a lot of programs that offer these services for free. They may be able to help you and give you advice on how you can avoid temptations and save more money.

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Check out local theaters and restaurants in your area to
see if they have an e-mail list. By signing up for their
e-mail list, you can find out about specials that may not
be advertised anywhere else.

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Online Store Coupons – bargains, free weekly newsletter and free merchandise at over 200 online stores.
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Purchase a programmable thermostat for use in your home.
You can adjust your home temperature so you are not using
as much energy when you are not at home. By having a
programmable thermostat you do not need to remember to
constantly turn the heat or air conditioning up or down
every time you leave the house. You can set it so that
while you are at work it automatically uses less energy.

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Why not try using a front loader washing machine. It uses
less water and about 60% less energy than the top loading
washers do do. You can also save money by using cold water.
If you use a good detergent, your clothes will come just as
clean as using warm or hot water.

Cold water is also better for your clothes, as it does not
put as much wear and tear on them. Trying to always do a
full load when washing and drying your clothes. Washing
just a few items at a time, takes just about the same
amount of time, yet costs more in the long run. So keep the
loads full.

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The use of solar energy has not been opened up because the
oil industry does not own the sun. ~Ralph Nader

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Here are some tips on how you can save money as a student:

1. Plan ahead.

If possible, do this even before you move into your dorm room.

Check if you are eligible for scholarships and other grants before signing up for any form of student loan.

Construct a cash flow. First, where do you expect to get money from? Make a list of your “income”,  be it from your parents, your student loan or your part-time job.

Then forecast your expected monthly or weekly expenses for food, books, etc. Once you have set aside a budget, be strict with yourself and stick to it.

You will never know what unexpected expenses would come your way so it is better to have a downfall for financial emergencies.

2. Save on food.

One of the major expenses that you have as a student which you might have ignored when you were still living with your parents is your food allowance. Avoid eating at fast food outlets, as this is most likely to ruin your budget. Pack your lunch and plan your meals as much as you can.

3. Take full advantage of student discounts.

Those ID’s in your wallet are not just for show.  Student ID’s and memberships in organizations are honored in several establishments which offer discounts.

Also, patronize a certain establishment regularly and you are bound to get bonus cards for being a loyal customer.

4. Use your cash as much as you can.

Since you already have a draft of the items where you will spend your money, it is easier to monitor your cash flow. Avoid using your debit card when you have cash with you. Use your credit cards or write checks only in emergencies. Having debit cards, credit cards and checks handy might lead you to overspend.

5. Keep yourself busy.

Join clubs according to your field of interest.

Keeping busy will let your mind wander and help you stay away from things that you are likely to spend money on when you get bored. Examples of these are snacks, movie tickets or game rentals.

You will be surprised at the amount of money that you will actually save by spending less on luxury items, following your budget plan and saving for financial emergencies that you are most likely to get as a college student.

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Save Over $10,000 A Year

In their Grocery Savings e-book, Tawra and Jill explain why
using coupons is not the best way to save money, how to
shop without making so many impulse buys, how to organize
your pantry, make a shopping list, and reduce food waste at
home. Click Here to learn more about the Grocery Savings
e-book.

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Today’s money saving tip: Do not purchase breakfast cereal in this small single serving boxes. If your kids like to have, their cereal already portioned out purchase the big bags of cereal, makes single servings in zip lock bags, and keeps them in a basket. In the morning, you can put the basket in the middle of the dining room table and the kids can pick out which kind they want.

When shopping for groceries, never go shopping when you are hungry. It can be very tempting, when you are looking through your cupboards and fridge and cannot find anything that looks good to eat, to think, well I might as well just go do the grocery shopping now.

The problem with doing this is that when you get to the store, everything looks good so you wind up putting a lot more in your cart than you normally would. This also makes it difficult to stick with your list. If you do not have anything in the house to eat before you go shopping, is well worth it to stop on your way and get something to eat before you go to the store.

Regarding sales and store specials, many stores have sales like 5 for $5 or 10 for $10; so many people think they have to buy that many. Most stores do not require that you buy the total amount to get the discount. Therefore, if you see something for sale 10 for $10, you do not need to buy 10; you can just buy one or two for a dollar each.

Of course, if you have the extra money in your budget it never hurts to buy them if they are nonperishable, as you will save quite a bit of money. Many times these items are twice as much regular price. It is just good to know that you don’t have to buy that many if it doesn’t fit into your budget.

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Never work before breakfast; if you have to work before
breakfast, eat your breakfast first. ~Josh Billings

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Another thing you can do is use regular grade fuel and every two or three tanks add a bottle of STP to your gas tank. This will still come out a lot cheaper than buying the premium gas. Notice, if you do start hearing any picking or knocking noises go back to using premium gas immediately.

Also, GasBuddy.com can help you find cheap gas prices in your city. It is a network of more than 181+ gas price information websites in the US and Canada that helps you find low gasoline prices. All web sites are operated by GasBuddy and has the most comprehensive listings of gas prices anywhere.

Lastly, when you are filling your gas tank, don’t top it off. The additional gas is just going to seep out. When the pump first indicates that the tank is full and the automatic nozzle clicks off, don’t be tempted to try to make it to the next even dollar. You are just wasting your money.

Happy Mileage!

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