 
911 FinancesTips on How to Save MoneyFood shopping – Food sales are scheduled on 90-day cycles. Buy enough of the sale items to last 90 days; then you can replenish your supply at the same low price.If you get into this habit, you will save over 50% on your annual food bills. Buying fresh meat - Most grocery stores must sell out fresh cut meats, fish and poultry within a certain period of time. If it is not sold, the store must discard it. Arrive at the grocery store on Sunday, about two hours before closing. Go to the fresh cut meat section, where the meat is set out in trays inside the glass show cases. Ask the attendant if there will be any sales on the fresh meat, sea food, or poultry. They will have to tell you. It’s never publicized because they don’t want you to know this. The discount is usually 60% off the retail price. Why pay retail when you can pay below wholesale? Stock up! Take home a plentiful supply and freeze it. Shop at discount food stores. In the Washington State area, for example, we have Cash and Carry stores that offer food at reduced prices. Purchasing Vehicles - Never purchase a new vehicle. The payment will be high and the insurance will also be high for complete coverage. A vehicle is not an asset; it is a liability. However, it is a necessary liability. Once you drive off the lot with the vehicle, you’ve already lost money. Purchase a used vehicle with about 50,000 miles on it. You will pay a third of the cost of a new one and you should still get five years of use from it. A vehicle, whether new or used, is just a way to get from point A to point B, so why throw away hard-earned money? Medical Procedures - If you need a medical procedure, do not just accept the fee the hospital wants to charge you. Get the CPT code from the doctor’s office that’s doing the procedure. Call different medical centers and hospitals, give them the CPT code and ask for a price on having that procedure done. You’ll be surprised to learn how the cost fluctuates among hospitals. It’s your right to get the best price possible. If you are in a lower income bracket, most hospitals have a sliding scale and will lower the price to fit your budget. Ideally, ask for Medicare rates. Buy used items. Always try to purchase used items that are in good condition; you will save about 50%. Visit pawn shops, consignment shops, thrift stores and garage sales. You’ll be surprised at the deals you’ll find!
 |