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There are many types of insurance a person needs such as auto, home, health, and dental just to name a few. So here are some tips that may help you in saving money on the cost of insurance.

1) Shopping rates: Make sure to shop out your insurance each year to confirm you are still get the best price for your benefits. Before renewing your existing policies each year, check out the rates of competing companies. See if it cheaper to pay the plan annually compared to monthly (Often times companies will provide a discount for paying in full for the year vs paying monthly.)

2) If possible think about raising the deductibles on auto and homeowners’ insurance: Being willing to pay $500-1,000 on a claim, rather than only $100-250, can reduce annual premiums by as much as several hundred dollars.

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Prescription drugs can start to become very costly here are just a few tips that may help you save some money off your prescription drugs

*  Ask your physician if generic drugs are an option. Generic drugs can cost several hundred dollars less to purchase annually than brand-name drugs.

* Shop out for the lowest-cost place to purchase prescription drugs. Make sure to check out not only your local pharmacist but also local supermarkets, area discount centers, and mail-order pharmacies.

* Purchase store brand over-the-counter medications. Store brand medications often cost 20-40 percent less than nationally advertised brands. The savings could easily exceed $100 a year.

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11) Save money on your grocery shopping: In a prior post about saving money we talked about avoiding impulse shopping.  The local grocery store is one place where we tend to buy items we where not shopping for. Therefore one good way to save money on your next grocery shopping trip is to make a list and stick to it.

People who do food shopping with a list, and buy little else, spend much less money than those who decide what to buy when they get to the food market. The annual savings could easily be hundreds of dollars.

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10) Eating out: If you eat out often try cutting back one time a month each month. If it costs you $25 to eat out, but only $5 to eat in, then the $20 you save each month allows you to save $240.00 a year.

9) If enjoy going to your favorite coffee shop daily try cutting back to once or twice a week or instead of buying the more expensive coffee drinks change to the house coffee. The $2.00 to $3.00 a day you could save by buying a house coffee rather than a cappuccino or latte would allow you, over the course of a year, to completely fund a $500 emergency fund.

8) Keep your goal with reach: One thing too many people do is set their goals to high at the on start.  Aim for short-term savings goals, such as setting aside $20 a week or month or 2 – 3 percent of your monthly income. You want to save money without feeling like it is a hardship for you to achieve. Then when you feel like you can start saving more a month do so.  People save more successfully when they keep the short-term goal in sight.

7) Taking care of your oral health:  It really does pays to practice preventative dental care, since a good cleaning routine helps prevent fillings, root canals, and dental crowns, which cab become very expensive and no fun.

Another way in which to keep your dental care cost lost is by having a low cost dental insurance plan. You may want to compare dental insurance plans at and decide which one is right for you and your family.

6) Be prudent when using debit and credit cards. To avoid interest charges, try to limit credit card purchases to amount you can pay off in full at the end of the month. If you use a debit card, do not rely on an overdraft feature to spend money you know you do not  have. With either approach, you will have more money available for emergency savings.


5) Know where your money is going: How many times have you though at the end of the month where has all your money gone? In order to save money you need to know where your money is going, there fore at least once a month, use credit card, checking, and other records to review what you have purchased. Then, ask yourself if it makes sense to reallocate some of this spending to an emergency savings account.

4) Avoid Impulse Shopping: Though many of us will buy a few impulsive items while shopping you never want to purchase expensive items on impulse. Think over each expensive purchase for at least 24 hours. Acting on this principle will mean you have far fewer regrets about impulse purchases, and far more money for emergency savings.

Smoking increases the amount of cholesterol and unhealthy fats circulating in the bloods, leading to unhealthy fatty deposits. Over time, cholesterol, fats, and other debris build up on the walls of your arteries. This buildup narrows the arteries and blocks normal blood flow to the heart, brain, and legs. Blocked blood flow to the heart or brain can cause a heart attack or stroke. Blockage in the blood vessels of your legs could result in the amputation of your toes or feet.

Smoking makes your blood thick and sticky. The stickier the blood, the harder your heart must work to move it around your body. Sticky blood is also more likely to form blood clots that block blood flow to your heart, brain, and legs. Over time, thick, sticky blood damages the delicate lining of your blood vessels. This damage can increase your risk for a heart attack or stroke.

Smoking raises your blood pressure and puts stress on your heart. Over time, stress on the heart can weaken it, making it less able to pump blood to other parts of your body. Carbon monoxide from inhaled cigarette smoke also contributes to a lack of oxygen, making the heart work even harder. This increases the risk of heart disease, including heart attacks.

Smoking can cause your skin to be dry and lose elasticity, leading to wrinkles and stretch marks. Your skin tone may become dull and grayish. By your early 30s, wrinkles can begin to appear around your mouth and eyes, adding years to your face.

Smoking can cause dental decay.  Smoking takes a toll on your mouth. Smokers have more oral health problems than non-smokers, like mouth sores, ulcers and gum disease. You are more likely to have cavities and lose your teeth at a younger age. You are also more likely to get cancers of the mouth and throat.

Smoking can cause blindness and night vision. Smoking causes physical changes in the eyes that can threaten your eyesight. Nicotine from cigarettes restricts the production of a chemical necessary for you to be able to see at night. Also, smoking increases your risk of developing cataracts and macular degeneration (both can lead to blindness).

Hearing loss, yes smoking can effect your hearing.  By smoking it reduces the oxygen supply to the cochlea. This may result in permanent damage to the cochlea and cause mild to moderate hearing loss.

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