Useable cash saving ideas are a sought after asset in most people’s financial spending. Whether it is a coupon code that could save you $10 or just practical tips that will add hundreds, even $1,000 of dollars to your bottom line, they will help.
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One big area of likely savings, if you own a home, is on residential taxes. Most people are in the dark about the fact that property assessed value is not equal to the fair market value. The way to win a property tax appeal is to: Get the sales ratio or equalization rate. This may also be called by other names. Divide the market price by the sales ratio to ascertain what the “true” market value that the tax assessor placed on your property. Go to the the local real estate broker and get a several comparable property sales that are equal to yours in size and locality. You need photocopies from MLS home comparable sales information since it has “buyer” oriented features you will not find in automated sites that you need to make important modifications for age, updated kitchen, bath, new roof, decks and related items. Compare your comparative “sold” value to the “real” market value that the tax assessor placed on real estate and appeal your property if there is an imbalance.
Another big area of savings for your car. You can save hundreds a year by checking out prices at different stations, pumping gas yourself, and using the lowest-octane called for in your car’s manual. Also hundreds can be saved by keeping your engine tuned and making sure your tires are inflated.
You can save several hundred dollars a year by buying auto insurance from a low-cost insurer. Ask around or call your state insurance department for a publication delineating amounts charged by various auto insurance companies. Then call at least several of the lowest-priced, licensed car insurers to get the best deal for the same plan.
With credit cards, avoid incurring late payment fees and possible interest rate increases. Mail in your payment a week to ten days before the statement due date. You do not want to risk having increased fees and interest rates on other cards. Whenever possible, do not allow finance charges on credit cards.
Many shoppers save hundreds of dollars a year by shopping at discount food stores. Go with a list, take advantage of sales, and purchase basic ingredients, instead of pre-packaged, ready-made items. Also, stock up on those items with low per-unit costs.
Dining out can get expensive. Think about splitting your entre and/or dessert. Drinking water helps keep expenses down the bill. By adding table sugar turns lemon water into free lemonade. And, always, look for special deals especially for franchised eateries.