| ve it or not, you really can save money almost | | | | percent, especially if your are only buying two |
| everyday of the year! Here are some of my | | | | pieces, end of line deals will always get you the |
| secrets to saving money on almost every thing | | | | best results. You can look on line at It is a large |
| you buy. | | | | and very user friendly website. |
| SEPTEMBER | | | | JANUARY |
| Cars. Auto manufacturers release their new | | | | Gym Membership. This is a slow time for |
| models in October, so a lot of dealerships have to | | | | everyone so you can find tons of deals out there. |
| clear out the lot and make room for the new | | | | You might be able to reduce the fees or have |
| models by discounting the older stock in late | | | | the membership dropped, and maybe get free |
| summer. Those that car shop in September, | | | | personal training, remember if you don't ask they |
| should get up to $2,000 off a car with minimal | | | | won't give it. |
| negotiating. If you want to save money at any | | | | FEBRUARY |
| time of the year, you can ask the dealership | | | | Computers. This is a great time of year, all the |
| about a “program car”. They are | | | | best deals are available with the holidays out of |
| cars that are driven by the staff for up to 10,000 | | | | the way they need to sell more than you need to |
| miles normally kept in extremely good shape. | | | | buy. Be very careful not to let the salesman over |
| They are then sold at a very steep discount. You | | | | sell you, it's all very nice having a tone of |
| can also browse on line at You have to pay an | | | | programs, but if you don't really need them, leave |
| enrollment fee but the website can save you as | | | | them. Keep it simple keep it cheap. |
| much as $3,000 on that new car. | | | | MARCH |
| Gas. You can comparison shop on line at these | | | | Home Improvements. This time of year is really |
| two websites: and Watch your local news, they | | | | slow for contractors so they are willing to book |
| often have reports on the best gas prices being | | | | anything and negotiate as well. When negotiating, |
| offered at gas station's in your general area. You | | | | let the contractor know that you are flexible |
| can also text your zip code to and they will text | | | | because they may be working around bad |
| you back with the local station with the cheapest | | | | weather. You can save anywhere between 10 to |
| gas price. The ideal driving speed is below 60 mph; | | | | 20 percent on the cost of the job. I f all fails, try |
| it can boost fuel efficiency up to 23 percent which | | | | doing it yourself, there are plenty of hard ware |
| could save you $240 a year. Avoid braking or | | | | store representatives that are trained to help you |
| accelerating rapidly, you will increase efficiency up | | | | with thousands of websites and do it yourself |
| to 33 percent another possible saving of $330 a | | | | books, so your resources are endless. |
| year. Tune up your engine regularly it's possible to | | | | APRIL |
| boost efficiency by as much as 40 percent | | | | Televisions. The spring is when the new models of |
| another saving of $375 a year. When paying for | | | | televisions hit the stores. The same rules apply |
| gas, charge it, you can get up to 5 percent back | | | | for televisions has computers. You can save a |
| on some credit cards that are designed for gas | | | | bundle by getting last years set, you can if you |
| usage. | | | | take your time find discounts up to 50 percent |
| NOVEMBER | | | | off the original price. |
| Health Insurance. Open enrollment season starts in | | | | MAY |
| November for insurance providers, if possible | | | | Drugstore Items. There are some national stores |
| increase your deductibles, the higher it is, the | | | | that publish a monthly list of rebates. So if you |
| lower your monthly payments are. If you have a | | | | bought items that are on the list, you can mail in |
| family, increasing your deductibles to about $2,000 | | | | the receipts and get money back. |
| qualifies you for a health savings account which | | | | Digital Cameras. It is a similar process for |
| has many tax as well as savings benefits. When | | | | cameras as it is for televisions and computers. |
| you spend your money on health costs, you | | | | Save on older models there's usually is no real |
| won't be taxed on the interest. Instead of heading | | | | difference but the overall design. You could also |
| to the ER for a fever or a sprained ankle, visit | | | | watch out for specials on new models, and there |
| your local national drug store, they usually have a | | | | are specials on photo prints and free memory |
| walk-in clinic. The visits are less than $60. For | | | | cards. Look for savings of 30 to 50 percent. |
| operations, you can negotiate the price. Really, | | | | JUNE |
| hospitals and doctors will negotiate the cost, they | | | | Refrigerators. You can get up to 20 percent off |
| are all in the business of selling their services! | | | | on the floor models. If you can't find a deal, ask |
| DECEMBER | | | | the store if they have a damaged model because |
| Furniture. This is a great time of the year to buy | | | | usually the problem is completely cosmetic. |
| it is the slowest time of the year for furniture | | | | AUGUST. |
| sales. You can save even more by shopping in | | | | Seasonal trinkets. Summer items like kids pools |
| January. Buying more than one item and finding | | | | and water guns take up a lot of shelf space. You |
| smaller stores where the owner sets the prices | | | | can usually find that kind of stuff on sale for up |
| will get you the best results. You can ask for a | | | | to 65 percent off. |
| percentage off but don't ask for more than 40 | | | | |