Four ways to cut your spending

With the economy being how it is at the moment, a little extra money to spend is something many people would welcome. If cash is tight there are a number of options available to you,such as getting a credit card or taking out a loan. But even if you do that there are other simple ways to reduce your expenditure too.

Consider where you buy

In days gone by, comparing prices meant going from shop to shop and making a note of how much an item you wanted costs. Thankfully, if you’re prepared things can be much easier these days and thanks to the internet you could almost entirely avoid the high street if you wanted to. It’s easy to compare prices online and (depending on what you want) it can be cheaper too, so always have a look before handing over your cash. If you’re shopping for a holiday then prices can vary greatly, so never settle for the first price you find. Remember too that it might be worth waiting for your credit card application to be approved, to protect your cash in case of something going wrong.

Slash your bills

Household bills can soon add up, so it’s well worth finding out if you could make savings in any way. This might be possible by switching to a new tariff, paying by direct debit or moving to a new supplier. If you’ve been with the same company for a few years then your loyalty might not be paying off, so find out what the competition has to offer.

Save money on your car

If a car is something that’s essential in your life then it’s probably an expense you have factored in to your budget. But that’s not to say you couldn’t be paying less. Shopping around for a better car insurance deal might help, but you might also like to consider car sharing when possible. This could mean sharing driving duties with work colleagues, or weighing up if your family really needs that second car.

Make days and nights out cheaper

In summer it can feel like one gathering after another and while that’s great for your social life it can take its toll on your bank balance. So instead of dining out at a restaurant, it might be worth inviting your friends over for a barbecue. That way everyone can contribute with a little food and drink and the costs can be kept to a minimum. The same applies to days out, so take a picnic to the park instead of forking out to go to the cinema.

The Importance of Life Insurance

Before I was a mom I taught at a daycare. One of the benefits they offered was term life insurance. I was only 19 at the time so I wasn't really sure of the benefits.  I think that i signed up for every benefit they offered. It was my first experience with having my own insurance. I was always on my mom's plan. I had my mom as my beneficiary. It was for 75,000 dollars and only paid a couple dollars for it a pay  check. I teased my mom about her thinking of ways to bump me off like in the movies . My mom would never do that of course.    She loves me and I don't remember using my health insurance more than a couple times during the time I worked there.

You can get a lot of coverage for not a lot of money.  I read that if you are healthy you can get a 1,000,000 dollar policy for five dollars a month. Five dollars a month is like the price of a grande cup of coffee from Starbucks. I always like to compare things like that. If you think about it like that it will be easier to grasp. If I wanted to be like those commercials and pull out my calculator it comes out to sixteen cents a day! You can't even make a phone call or buy a gum ball for sixteen cents. The only thing I can think of that is sixteen cents is a baby root beer at a restaurant I like, which is the perfect size for Noah.  Just think how you can protect your family and provide for them with a million dollar policy for meager pocket change.

Now that I am a mom I realize the importance of having it.