Finance Tips

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Traveling is costly and keeps getting more expensive all the time. Not only have airfare prices gone up, but everything associated with travel has been on the rise. There are some ways to save money as well as some ways to avoid extra charges.

Airfare

Try to save money on your airfare by purchasing your ticket well in advance. Check with a travel agent to find out about any special fares that you may qualify for. Be sure to ask about refunds if you need to make flight changes. Sometimes the price to change the reservation is more than you paid for the ticket in the first place. Find out if you need to pay extra for food on the flight and eat before you leave instead.

Baggage

Airlines have recently created lots of extra charges that can really add up when you’re traveling. Most airlines only allow one checked bag. They also have a specific weight allowance for each suitcase. There are hefty charges for additional bags and for bags that are overweight. Before you pack, check with your airline to find out the current rules. Pack lightly so that you can stay within the one-bag rule. If you’re going for an extended trip consider sending some of your things through the mail or by shipping company.

Parking

Parking in the airport lot can be expensive. If you’re going to be parked for a day or more you’ll want to find a cheaper option. Consider using an offsite parking lot. They are typically quite a bit less than airport lots and offer plenty of features that make it better. You’ll be able to make a reservation online so that you’re assured of getting a parking spot. Also, you can utilize valet parking for added convenience.

Package Deals

When you’re going to a resort location, consider buying a package deal. The packages often provide you with all the same amenities that you’d otherwise get, but at a less expensive price. Look for packages that include as many things as possible to get the most for your money. Consider the things that you’d buy anyway such as a rental car, meals and spa or golf outings. If you’re a golfer, you can often save a bundle by using a golf package.

When to Travel

You can often save money by traveling during the least busy times. Look online to find the area’s off-season. You’ll find rates are often much less money during that time. But be careful because some attractions may not be open. Book your travel well ahead of time so that you will get your first choice of dates. If you must travel during a peak season, check with the hotel directly to find out if they have any special prices or deals.

Coupons and Group Rates

Always be on the lookout for special deals and coupons. You can often save 10% or more on travel, hotel, meals and attractions by using coupons. Inquire at the hotel and car rental agency about group rates.

It can be tempting to spend $100 or more while making a trip to the local store. Here are some ideas to help you keep control of your shopping:

1. Make a meal plan

By planning your meals ahead of time, you’ll know exactly what you need from the store before you go. There will be no guessing and no wasted food.

2. Watch for specials

Many local stores put out newsletters and coupons. Watch for local specials and plan your meals around them.

3. Make a list

Very simple and often forgotten, making a list can be one of your best money saving tips as long as you stick to it! Don’t buy anything not on your list or you could be in trouble.

4. Walmart isn’t always cheap

While it may seem Walmart has the lowest prices, this is not always true. Check your local grocery stores and compair prices. You may be surprised to find some of the same items lower cost. Don’t forget about the new chain of Super Target!

These are just some simple ideas which I hope will help in your next trip to the store. Following a budget and a plan can help cut your costs, but make sure you stick to it!

Are you looking for a good baby stroller for your family? There are so many models available on the market today, with prices and quality ranging from very low to very high. So how do you find a great stroller without breaking your budget? Here are 5 tips to help you save money on this very important purchase.

Purchase a universal car seat carrier (stroller frame) instead of a travel system. This is such a convenient and inexpensive device for transporting your baby during the first six months. You simply attach the infant car seat onto the frame, and away you go! Baby is undisturbed, and best of all, you have a few months to do some research and decide on what type of stroller you’d like to purchase when your child is older and you need more features. Do lots of research before buying a stroller. After the first 6 months, you will need a stroller that has, as a minimum, features such as a comfortable, adjustable reclining seat, a sun canopy, good-sized storage baskets and cup holders. Make a list of what features are most important to you, then do some research on the Internet to find out what is available. If you can, try out several models in stores. Keep in mind that you will need a reliable stroller for at least the next two or three years (more if you plan on having additional children), so don’t make a rushed decision. And don’t waste your money buying a stroller that has more features than you need. Buy a basic umbrella stroller for short trips to the mall. After the age of 6 months, your baby will be old enough to sit comfortably in an umbrella stroller. These strollers are light, fold up easily and compactly and are very inexpensive compared to full feature strollers. This is the perfect second stroller for running quick errands with your baby, although don’t plan on buying too much stuff during these outings, as the storage capacity of the basket underneath the seat is limited. Look for sales. There are always lots of great deals to be had when purchasing a stroller, especially on the Internet. Online baby gear retailers need to clear out overstock, so last year’s models – which usually aren’t very different than the current year’s newer models – can often be purchased for a lot less. You can also take a look at what’s for sale at warehouse clubs and on eBay and Craigslist. In addition, stroller manufacturers sometimes have good factory sales, so check out their websites on a regular basis. Always request the model year information on a stroller you’re interested in to make sure you’re not getting one that has been lying in a warehouse for the past 10 years! Sell your stroller when you’re done with it. If your stroller is still in good shape when your child has outgrown it, consider consigning it at a baby gear store or selling it on eBay or on Craigslist. Good quality brands of baby strollers have a higher resale value, so this is something to keep in mind when you make your initial purchase.

Buying a baby stroller that is right for your family’s lifestyle is a big decision, but by following these tips, you can save some money and have many enjoyable outings with your baby. Good strolling!

One of the primary concerns all small businesses have is saving money. When it’s time to trim the fat, most look for one giant expense to decrease or eliminate in order to stay within budget. More often than not, it doesn’t work that way.

Most budgeting experts will tell you that re-evaluating your overall expenses and cutting each by just a bit will actually gain you more ground than doing without something major that you really need. Here are a few ideas of areas to look at and costs to reduce that can have a major impact on your overall profits.

1) Internet Access – Every online business owner must have access to the Web. But consider this. The market is so flooded with ISPs that you have a lot of room to dicker. Start by searching the Internet under keywords like “cheap internet access” or “discount isp” to bring up lists of possibilities. Then, do one of two things.

(a) Try some of these independent ISPs. Smaller companies can have high quality service and support just like the “big boys”. One business owner I know recently switched from Prodigy ($21.95/mth) to a smaller ISP that only charges $12.50/mth with no contracts. She actually liked the new provider better and it costs her about half as much. [Savings of $113.40 per year.]

(b) Renegotiate with your existing ISP. Most larger ISPs know you have a choice of a thousand other companies. Because of this, they are normally more than willing to renegotiate your costs. Be honest. Tell them you are a small business owner and you need to cut expenses. Explain that you’ve been pleased with their service but will be forced to go with someone else if some sort of arrangement isn’t worked out. Another friend of mine did this and received 6 months free! Most will offer 2-3 months free and/or a discount with an annual agreement. NOTE: When you approach your ISP, be fully prepared to switch to someone else if your offer is rejected. [Savings of $105.80 per year with 3 months free and reduced, annual rate.]

2) Switch From A Merchant Account To A Payment Service – If you have a low volume of credit card transactions, it might benefit you to switch from a merchant account to some sort of payment service like Pay Pal or ClickBank. Statement fees, monthly fees, discount percentages and the like can all add up to big money.

While payment services normally have reduced fees, they do have higher “per transaction” costs so you’ll have to do some math to find out if this is a good idea for your business. Just take an “average” invoice amount from a sale and multiply it times 12 to get a base total to work with. Now, add in your 12 months worth of fees for statement, monthly access, discount percentage, per transaction cost, etc. This is your “example” total. Do the same with several payment services using their costs to see which one, over time, would be less expensive for you.

If you were paying a $15 statement fee, $20 monthly fee, 3% + $.35 per transaction and $25 monthly gateway fee, your annual expenses would be $742.20 for an average transaction of $50.00. Your annual fees for a payment service with 3.5%, $1.00 per transaction and a one-time $50.00 set up charge would only be $83.00 per year. [Savings of $659.20 per year.]

3) Re-evaluate Your Long Distance Costs – Competition is the small business owner’s friend! With hundreds of long distance companies out there, you can drastically reduce your charges instantly. Again – use the ‘Net to search for inexpensive long distance service. A business owner I know changed from a MCI “program” to one of those 10-10 companies and reduced her per minute charge from $ .07 to $ .05. Depending on the volume of calls you make, some programs offer rates as low as $ .03 per minute. [Estimated savings of $20-$30 per year for 1,000 minutes.]

From just these three little things, we’ve saved an estimated $802.60 per year. That’s enough to make anyone’s spreadsheet sing! Go through your list of costs and you will most likely find other expenses that can easily be reduced with a bit of research and a phone call or two.