Free Quick and Easy Money Saving Tips ? Part 2

Although many consumers would argue differently saving money doesn't have to be difficult. In fact by making just a few changes in your normal lifestyle you can find ways to free up extra cash that can be put to better use in a savings account or an investment account. Finding ways to save an additional 5 dollars a day can lead to a more secure financial future in the long run. I have compiled some tips that you can use in order to find those extra dollars.

Tip Number 1 - Are you a daily coffee drinker or a heavy smoker? The simple act of eliminating one cup of coffee a day or reducing the amount of cigarettes you smoke (quitting entirely would be better) can free up a small amount of money daily that when added up equals a large amount at the end of the year.

Tip Number 2 ? Try to avoid shopping at convenience stores. The prices they charge are outrageous when compared to lower priced food stores or super markets. It's a proven fact that you will spend less on food if you shop with a list, take advantage of sales, and purchase basic ingredients, rather than pre-packaged components or ready-made items. Take the time to clip coupons for items that you buy on a regular basis however avoid purchasing impulse items if you don't normally use them just because you have a coupon. If you take the time to compare the fine print you'll see that you can save hundreds of dollars a year by comparing price-per-ounce or other unit prices on shelf labels.

Tip Number 3 ? When it comes to purchasing over the counter medicine brand name drugs are usually much more expensive than their generic equivalents, ask your physician and pharmacist if a less expensive generic or an over the counter alternative is available. Purchasing the equivalent generic drug can save hundreds of dollars through out the entire year. With the emergence of online pharmacies the opportunity to save even more money on medicine is significant. Take the time to search online for the best deals.

Tip Number 4 ? With the high cost of gasoline draining consumer's pocketbooks any way to save money in this area is a welcomed tip indeed. You can save hundreds of dollars a year by comparing prices at different stations, pumping gas yourself, and using the lowest-octane called for in your owner's manual. You can save up to $100 or more (depending on your vehicle) a year on gas by keeping your engine tuned and your tires inflated to their proper pressure.

Tip Number 5 ? Your vehicle can place a huge strain on your budget if you fail to perform routine repairs on your car when they are needed. The most important step that you can take to save money on these repairs is to find a skilled, honest mechanic. Be sure to aggressive shop around since not all auto mechanics charge the same amount for repairs and the quality of work performed is different based on the skill of the mechanic.

These 5 quick tips could easily save you several hundred dollars a year, which you could put to better use in a savings program or to pay off higher interest loans and other bills.

Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides free money saving insurance information and offers discount auto, life and home insurance that you can research in your pajamas on his website.

Other websites operated by Tim: Cellular-Phone-Solutions.com - Free information and resources regarding cell phones and cell phone plans.

Military-Loans-Online.com ? Which provides free money saving loan quotes on all of your loan needs to include home equity loan information.

In The News:

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://economictimes.indiatimes.com/News/Economy/Policy/Andhra_pays_for_fiscal_profligacy_may_be_denied_debt_relief/articleshow/3782142.cmscid=0ei=_PA1SbejM466M5u66O8Ousg=AFQjCNFUw7voH29VRlpsunBhUXxKkl0h1QAndhra pays for fiscal profligacy, may be denied bdebt relief/b/abrfont size=-1font color=#6f6f6fEconomic Times,nbsp;Indiafont size=-1 class=ima href=/a/fontnbsp;-/font nobrDec 1, 2008/nobr/fontbrfont size=-1In FY08, the state got a bdebt/b-brelief/b of around Rs 1889 crore. “We have been attaining a revenue surplus despite huge allocations for revenue expenditure b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.google.com/hostednews/afp/article/ALeqM5jZf1Bj0fClKmBsxMB2pSbjEtlZjwcid=1276145671ei=_PA1SbejM466M5u66O8Ousg=AFQjCNF-xgVO7RkmbPaReuDvlFkYrW41vgimg src=http://news.google.com/news?imgefp=fRbta6NQxLQJimgurl=www.google.com/hostednews/afp/media/ALeqM5gOE1iafTLwiRpOyj9kV8sxDJtxLA width=80 height=56 alt= border=1brfont size=-2AFP/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://7thspace.com/headlines/299085/wealthy_nations_others_behind_financial_crisis_must_take_responsibility_round_table_on_debt_told.htmlcid=1276145671ei=_PA1SbejM466M5u66O8Ousg=AFQjCNEIVkhJSi-KFGZKfhMyQp1_tAxIHwWEALTHY NATIONS, OTHERS BEHIND FINANCIAL CRISIS MUST TAKE b.../b/abrfont size=-1font color=#6f6f6f7thSpace Interactive (press release),nbsp;NYfont size=-1 class=ima href=/a/fontnbsp;-/font nobr10 hours ago/nobr/fontbrfont size=-1In introductory remarks, moderator Portugal said significant advances had been made since Monterrey, particularly on bdebt relief/b for the poorest countries. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://mediaglobal.org/article/2008-12-02/amidst-financial-meltdown-doha-conference-gives-developing-countries-a-voicecid=1276145671ei=_PA1SbejM466M5u66O8Ousg=AFQjCNEYVZAeP9A9_AG4QaEU3HPJp9N-LQAmidst financial meltdown, Doha Conference gives developing b.../b/a font size=-1 color=#6f6f6fnobrMediaGlobal/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://businessmirror.com.ph/index.php%3Foption%3Dcom_content%26view%3Darticle%26id%3D2682:recession-must-not-lead-to-human-crisis%26catid%3D23:topnews%26Itemid%3D58cid=1276145671ei=_PA1SbejM466M5u66O8Ousg=AFQjCNGG1Kgryw7FVv3h6vnxfMAoCLFSdw‘Recession must not lead to human crisis’/a font size=-1 color=#6f6f6fnobrBusiness Mirror/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.usaid.gov/press/releases/2008/ps081130.htmlcid=1276145671ei=_PA1SbejM466M5u66O8Ousg=AFQjCNEykGoKe3he0FlpyBnp0NWLqH7D7QPress Statement From USAID Administrator, Henrietta H. Fore/a font size=-1 color=#6f6f6fnobrUSAID (press release)/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.capitalfm.co.ke/business/Local/Kenya-committed-to-Monterrey-Consensus-1210.htmlcid=1276145671ei=_PA1SbejM466M5u66O8Ousg=AFQjCNErvq6zTsqFF84DC-zlxyAk4YebAAnobrCapital FM/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.kbc.co.ke/story.asp%3FID%3D54181cid=1276145671ei=_PA1SbejM466M5u66O8Ousg=AFQjCNHdP-2ocDVvYASF7ftrSZSKRsJEmgnobrKenya Broadcasting Corporation/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1276145671hl=ennobrall 362 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://rismedia.com/wp/2008-12-01/know-the-details-of-the-mortgage-forgiveness-debt-relief-act-2/cid=0ei=_PA1SbejM466M5u66O8Ousg=AFQjCNF41O3JDLNfpq6GoKEamaHqFU3M2gKnow the Details of the Mortgage Forgiveness bDebt Relief/b Act/abrfont size=-1font color=#6f6f6fRisMedia.com (press release),nbsp;CTfont size=-1 class=ima href=/a/fontnbsp;-/font nobrDec 1, 2008/nobr/fontbrfont size=-1b.../b in December 2007, Congress stepped in to provide temporary brelief/b in the form of forgiving this bdebt/b, but only for the 2007, 2008 and 2009 tax years. b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.expressbuzz.com/edition/story.aspx%3FTitle%3DGovt%2Bto%2Brelease%2BRs%2B21.43%2Bcr%2Bfor%2Bdebt%2Brelief%26artid%3D1lszTVk554Y%3D%26SectionID%3D1ZkF/jmWuSA%3D%26MainSectionID%3DfyV9T2jIa4A%3D%26SectionName%3DX7s7i%257CxOZ5Y%3D%26SEO%3Dcid=0ei=_PA1SbejM466M5u66O8Ousg=AFQjCNEdfEXfL4Mm6W73q1uLN3mJqn5LEgGovt to release Rs 21.43 cr for bdebt relief/b/abrfont size=-1font color=#6f6f6fExpress Buzz,nbsp;Indiafont size=-1 class=ima href=/a/fontnbsp;-/font nobr20 hours ago/nobr/fontbrfont size=-1THIRUVANANTHAPURAM: As per the recommendations of the Farmer’s bDebt Relief/b Commission, the Government has disbursed Rs 14.11 crore so far, and it has been b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.thisdayonline.com/nview.php%3Fid%3D129604cid=0ei=_PA1SbejM466M5u66O8Ousg=AFQjCNEPNvO5OuEcM56dURuv8AeGbD-JmwHIPC: Togo Gets bDebt Relief/b/abrfont size=-1font color=#6f6f6fTHISDAY,nbsp;Nigeriafont size=-1 class=ima href=/a/fontnbsp;-/font nobrNov 30, 2008/nobr/fontbrfont size=-1The statement said that Togo would receive interim bdebt relief/b from certain creditors, but in order to qualify for irrevocable bdebt relief/b at the completion b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://web.worldbank.org/WBSITE/EXTERNAL/NEWS/0,,contentMDK:21993683~pagePK:64257043~piPK:437376~theSitePK:4607,00.htmlcid=1276399584ei=_PA1SbejM466M5u66O8Ousg=AFQjCNG3DgqKMmc8w7MYI9GSo-dSPrrldgHome gt; News gt; World Bank Launches Facility to Prevent .../abrfont size=-1font color=#6f6f6fWorld Bank Group,nbsp;DCfont size=-1 class=ima href=/a/fontnbsp;-/font nobrNov 30, 2008/nobr/fontbrfont size=-1The Bank also called on donor countries to meet their bdebt relief/b commitments. “The bdebt relief/b provided by the World Bank and other creditors to heavily b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.businessweek.com/ap/financialnews/D94QOT800.htmcid=1276958165ei=_PA1SbejM466M5u66O8Ousg=AFQjCNGtEOhMAVA3h8xZzJbSPR0Si3i2NwCitigroup to offer $5.5 billion in bdebt/b/abrfont size=-1font color=#6f6f6fBusinessWeekfont size=-1 class=ima href=/a/fontnbsp;-/font nobr6 hours ago/nobr/fontbrfont size=-1That cash will come from the government#39;s $700 billion bank investment program aimed at providing brelief/b for banks and spurring lending amid the economic b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.monitor.co.ug/artman/publish/business/Parliament_warns_govt_against_external_debts_76108.shtmlcid=0ei=_PA1SbejM466M5u66O8Ousg=AFQjCNGNO0Uwv7UzptDNCQQB9QbpZ5lRgQParliament warns govt against external debts/abrfont size=-1font color=#6f6f6fDaily Monitor,nbsp;Ugandafont size=-1 class=ima href=/a/fontnbsp;-/font nobr4 hours ago/nobr/fontbrfont size=-1b.../b 100 per cent Uganda’s bdebt/b under the Highly Indebted bDebt Relief/b initiatives and the 2006 Multilateral bDebt Relief/b initiative less than five years ago. b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.wsj.com/article/SB122818833059071519.htmlcid=1276838332ei=_PA1SbejM466M5u66O8Ousg=AFQjCNEmumZvcK9Tz0S7Y_hVk5d298qBzQGoldman Faces Loss of $2 Billion for Quarter/abrfont size=-1font color=#6f6f6fWall Street Journalfont size=-1 class=ima href=/a/fontnbsp;-/font nobr10 hours ago/nobr/fontbrfont size=-1Over the years, Goldman has invested in everything from troubled auto loans in Thailand to the bdebt/b of a liquor maker in South Korea to struggling golf b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://money.cnn.com/news/newsfeeds/articles/apwire/055e7342b5e5461fcdb73f205311b713.htmcid=1276953128ei=_PA1SbejM466M5u66O8Ousg=AFQjCNEQJ3maz9bNU8mtw0Iux3sDvbelMwFitch downgrades Prudential Financial on capital/abrfont size=-1font color=#6f6f6fCNNMoney.comfont size=-1 class=ima href=/a/fontnbsp;-/font nobr12 hours ago/nobr/fontbrfont size=-1Prudential could also apply for preferred capital available through the US government#39;s Troubled Asset bRelief/b Program. Potential bdebt/b financing alternatives b.../b/font/div/font/td/tr/table
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