Most People Make These Car Maintenance Mistakes

mechanicIt can happen to anyone. One minute your car is driving nicely with no problems and then…nothing. It won’t start and you have to catch the bus to work. You take it into your local garage and get the bad news…it’s going to cost $5000 to fix. Could this have been avoided you wonder?

Actually, yes it could, and it all starts with looking after the car properly on a regular basis so you are not left with a huge repair bill. Unfortunately most people make huge car maintenance mistakes, which means they are putting their car at risk unnecessarily Keep reading to learn what mistakes you could be making.

Not paying attention to the “check engine” light

The most common mistake is ignoring the light on your dashboard that tells you to check the engine. Most people assume that because the car is still running normally there isn’t a huge problem, and so they keep on putting it off until it’s too late. Once that “check engine” light comes on either get looking in the engine or take it to a mechanic.

Not getting your car serviced on a regular basis

Let’s imagine that you own a Porsche in Orange County…are you going to keep on driving it for years without taking the car to be serviced? Of course you won’t. Instead, you’ll take it to a Porsche service Orange County garage and make sure the car is kept running smoothly so you can keep on enjoying it. It doesn’t matter kind of car you own, getting it serviced on a regular basis is crucial.

Not checking tire pressure

There are many reasons why you should be checking the tire pressure on a weekly basis…although the vast majority of people don’t.

Firstly, having the correct tire pressure helps with fuel economy, which ultimately saves you money. Secondly, it helps to keep you safe, especially when driving in wet conditions. Lastly, if you get pulled over by the Police and your tire pressure is not correct then you can expect to be fined, and even have your car taken away from you. Needless to say, it’s important to check the tire pressure every week.

Not inspecting your brakes

It goes without saying that having your brakes working at 100% is crucial for your safety and the safety of everybody else, so why do the vast majority of drivers not inspect their brakes on a regular basis? They really should.

Not only that, but if you hear any kind of noises coming from your brakes then you must take your car to a garage as soon as possible.

Make it Cheap This Christmas

chocolate santaA common problem for Americans at Christmas is overspending, especially when you consider that most families are living paycheck to paycheck and don’t really have much money.

So should you cancel Christmas this year, or maybe not buy any gifts? Luckily, you don’t have to take such drastic action, as long as you read every word in this article and follow the money saving ideas below.

Buy online

If you are prepared to spend some time shopping around then you can find some real bargains online, which work out a lot cheaper than the high street.

Best of all, many online stores will gift wrap your items in Christmas boxes and wrapping paper, meaning you don’t have to do any work at all.

Buy second hand

Who says that Christmas gifts have to be brand new? In order to make it cheap this Christmas you might want to consider buying second hand gifts that you find on an auction site such as eBay.

There are many great second hand items out there that are a fraction of the price of what you would pay in the shops, and with a bit of a cleanup they look brand new.

Wait until the sales

Does Christmas really have to be all about the 25th of December? Instead of giving presents on Christmas morning you could wait until the sales begin in January and then take your family and friends out to buy them gifts.

This works especially well if you plan to buy clothes, as these kind of items are always significantly discounted in the sales.

Keep Christmas dinner simple

It’s very easy to get carried away when shopping for Christmas dinner, and in no time at all your grocery bill can be in the hundreds of dollars.

That’s why it’s recommended you keep Christmas dinner extremely simple this year. Forget about all of the trimmings and look to serve a straight forward meal that won’t break the bank.

For example, you can buy frozen vegetables in bulk to save money, as well as swap turkey for chicken if the price of a turkey is too high.

Be prepared for next year

The earlier you start preparing for Christmas, the cheaper it will be. Many people now pick up Christmas presents throughout the year when the prices are low and a particular store is having a sale.

You can also stock up on tinned goods while they are on special offer at your supermarket, and then store them away until the end of the year.

5 Tips For Buying a Fancy Dress Costume Online

green costumeGetting an invitation for a fancy dress party can be slightly intimidating, especially when you’ve never been to one before. Not only have you got to choose what to wear, there is also the hassle of buying the actual costume.

The good news is that most fancy dress costumes can now be purchased online, which means you don’t have to go hunting for a fancy dress shop in your local area. However, the not so good news is that buying a fancy dress costume online is not always straight forward, and if you’re not careful then you could end up wasting both your time and money.

Follow these 5 tips and you will be fine:

Find the right style

Obviously, before you go any further you must choose the style of fancy dress costume you want to start searching for. To give you an example, TV costumes are very popular right now and there is a huge amount of choice online.

Read the description

Make sure you read the description very closely before taking out your wallet and buying a fancy dress costume with your credit card. Understand exactly what is on offer, and be 100% certain that what you are purchasing is the whole costume and not just a part of it.

Check sizing

It’s a good idea to know roughly what size you are before buying any type of clothing online. Sure, you might not get a perfect fit, but if the costume is way too small or big then you probably won’t be able to send it back and get a replacement in time for the party.

Look at customer reviews

Most sites now include customer reviews for you to look at in order to get a better idea if the costume is worth the money or not. As an example, if the material is not very good or the price doesn’t represent good value for money, then you can be sure that previous customers will let you know about it.

Shipping options

Once you get to the checkout page then you’ll be presented with a range of shipping options such as “next day delivery” or “regular delivery.” Which one you choose depends completely on how quickly you need the costume. If the party is tomorrow and you need it fast then next day delivery really is your only option, even if it does mean you have to pay more money for the privilege

4 Simple Tips to Save Cash When Christmas Shopping

christmas presentDid you know that most people spend around $500 each year on Christmas gifts? That’s just on gifts alone. It doesn’t take into account all of the extra shopping you need to do during the festive period.

Make no mistake about it, Christmas isn’t cheap, and if you’re not careful then you could end up putting yourself in a bad financial position by the start of the new year.

In fact, a recent survey showed that 57% of Americans get some form of loan during December, and the vast majority of these people no doubt struggle to pay it back over the following 12 months.

Here are 4 simple tips to save cash:

Compare prices

The easiest way to save dollars every time you make a purchase is to compare prices on the item you are going to buy.

For example, if you want to buy an ugly Christmas sweater then a bit of research will show you that have the cheapest prices, often with up to 50% off when compared to similar stores. This shows it always pays to compare prices and shop around.

Use gift cards

A nice little trick to save cash while Christmas shopping is to use gift cards you’ve accumulated over the last 12 months.

How do you get these gift cards? Easy. Just ask for them as a present from family and friends for your Birthday. You will then have a few hundred dollars worth of gift cards to go Christmas shopping with.

Find the discounts

Most retailers have some serious discounts available during December, the only problem is that they don’t typically last very long. Fortunately, it’s not that hard to find the discounts and then swoop in quickly before an offer comes to an end.

All you need to do is follow your favorite retailers on social media or sign-up to their email lists. You’ll then be in the perfect position to be alerted any time a discount code is offered or a sale is announced, and then start buying cheap gifts to make your Christmas shopping very affordable.

Don’t use credit cards

A big mistake most people make is taking their credit card with them when Christmas shopping.This tends to lead to spending way more than you initially planned, especially if you have a credit card with a large credit limit.

For this reason, it’s highly recommended you work out exactly how much you want to spend on your shopping and then take out the exact amount of cash that you need. This ensures you don’t overspend, and ultimately, it saves you cash.

Pay Attention to These Simple Money Saving Tips

money in back pocketIt doesn’t matter if you’re struggling to pay the bills or just want to unlock a few hundred dollars out of your annual income, these simple money saving tips are definitely worth paying attention to. Let’s take a closer look…

Shop around

Anytime you want to buy a product it pays to shop around to get the best price so you can save some money. Luckily, this is made possible thanks to price comparison websites, where you are able to view all of the top offers side by side.

As an example, if you want the best coffee maker at the lowest price possible, then simply visit a comparison website to get the cheapest deal.

Downgrade your entertainment

Are you paying a huge amount of money for all of the premium cable channels? It might be time to reconsider your entertainment options, especially when you consider there are many cheaper options out there.

Take Netflix for example, a place where there is thousands of movies and tv shows for less than $10 a month. With this in mind, downgrading your cable package and opting for Netflix or a similar service is a great way to save money.

Don’t buy on impulse

It seems that many people have a major problem when it comes to buying things. Instead of buying with logic, they buy with impulse, and this leads to a number of bad purchases they come to regret.

That’s why it’s such a good idea to implement the “30 day rule” where you have to wait 30 days before deciding whether or not to buy something. Most of the time, you’ll find that you cool off and come to realize you don’t really need 80% of the stuff you initially think of buying.

Plan your grocery shopping

One of the easiest ways to consistently save money is to plan your grocery shopping by making out a list. This ensures you only buy what you need, and don’t end up getting stuff that on impulse.

Also, go online and find out what each supermarket has on special offer, especially items that are 50% off or more. Doing this allows you to make significant savings on your grocery shopping year after year.

The final word

Saving money doesn’t have to be hard, and when you pay attention and take action on the tips above then you will instantly be ahead of just about everybody else. Maybe you could use all of that extra money to take your dream vacation or put it in a college fund for your kids? The choice is yours!

5 Insurance Myths!

insuranceThere are many so called “financial experts” out there that fill up the internet with bad and outdated advice. Unfortunately, this can lead to YOU losing money, which is why it’s important to find out the facts before it’s too late.

Here are 5 insurance myths you need to be aware of:

You should get insurance for everything

There are many insurance companies out there that use clever marketing to make you believe that you should get insurance for everything. Mobile phone insurance, bicycle insurance, goldfish insurance…the list goes on and on.

At the end of the day, if you can comfortably afford to replace something if it lost or damaged then buying insurance just isn’t worth it.

Life insurance is essential

While life insurance is certainly recommended for the majority of people, it is wrong to assume that it’s essential for everybody.

For example, if you are a single person with no dependents or you have millions of dollars stored away in a bank vault in the Cayman Islands, then life insurance really isn’t that important.

Finding cheap automobile insurance is impossible

If you are under the impression that cheap automobile insurance is just a dream then you might want to reevaluate your beliefs.

Sure, there are automobile insurance companies out there that will charge you the earth for simple insurance, but thanks to the internet, there are now many options out there for cheaper premiums. Consider visiting an insurance comparison website to find the best deals.

Disability insurance is not needed

Another insurance myth is that disability insurance is a waste of time because if the worst did happen then Social Security would be there to help out.

In fact, this is actually quite far from the truth, and in the event of becoming disabled you could have to wait months before a Social Security claim is accepted, or it may not get accepted at all. With this in mind, you should give real consideration to getting disability insurance.

I can’t get insurance

If you have been rejected for insurance policies in the past because of things such as bad credit or a poor financial history, then you might want to reconsider your position.

You see, there are now many insurance companies out there that specialize in working with people that might not be considered ideal clients by the mainstream insurance companies. A few basic searches in an internet search engine such as Google should give you plenty of options no matter what your situation.