My husband and I are very lucky to completely own our three personal vehicles. But, please don't think we drive the latest and greatest cars. Our newest car is 12 years old now. Our other two cars are over 19 and 25 years old. Because we hold the titles for each of our cars, we are able to save money on our auto insurance coverage.
Each of our vehicles have Liability Only insurance coverage. For our 12 year old vehicle, this means a savings of over $400 each year. Our policy has been reduced from $377 to less than $175 for 6 months.
If you hold the title to your car, contact your insurance provider and see what your savings could be. If you reduce your policy to Liability Only, understand that you will not be compensated for your vehicle in the event that you cause a collision with another vehicle.
We looked at the estimated value of our vehicle to determine if we should reduce our coverage. Because our vehicle is only valued about a few thousand dollars and we primarily drive our company cars, this decision was easy for us.
Wednesday, February 29, 2012
Thursday, February 16, 2012
Money Saving Tip #217: Salad Dressing
When eating a salad, don't pour your salad dressing all over the top. Pour a small amount in a separate bowl or ramekin, and then dip your fork full of salad into the dressing. You will probably find that you use about 25% less salad dressing if you do it this way.
The added bonus to this suggestion is the reduction of calories that you consume.
The added bonus to this suggestion is the reduction of calories that you consume.
Monday, February 6, 2012
Money Saving Tip #216: Apple Cider Vinegar as a Hair Conditioner
Wait! Don't go! Keep reading...
The longer your hair is, the more money you will spend on hair care products such as shampoo and conditioner. Some people wash their hair once a day, every other day, a few times per week, and sometimes even once per week. Whatever your routine is, I can save you a lot of money if you switch out your conditioner for apple cider vinegar. Yes, I said, "Apple Cider Vinegar." Many people store their apple cider vinegar (ACV) in the kitchen where it is used for food preparations.
Not too long ago, I substituted ACV for conditioner while showering. I did it on the weekend, because I didn't know what the final result was going to be. Combine 1 TBSP of ACV with 1 cup of water. I then put the mixture in my spray mist bottle. Off to the shower I went.
After I washed my hair, I sprayed my damp (not soaking wet) hair with ACV. I sprayed the outer layers, middle layers, and area around the nape of my neck. I did all this while still standing in the shower. Yes, the smell was quite disturbing. Fear not, it fades once your hair is dry. Some people rinse it out, and some people leave it in their hair.
After I dried off, I took a comb to my hair. Fully expecting it to filled with tangles, I braced myself for a tugging session with my scalp. To my complete surprise, my comb glided through my hair with no tangles. Once it was dried, my hair was so silky smooth and shiny. And, still no tangles. I have been hooked ever since.
Some people only do this Apple Cider Vinegar Rinse every other day or a couple of times per week. Give it a try and see what works best for you.
So, if you want to spend pennies on conditioning your hair, make the switch to apple cider vinegar. You will be happy you did.
The longer your hair is, the more money you will spend on hair care products such as shampoo and conditioner. Some people wash their hair once a day, every other day, a few times per week, and sometimes even once per week. Whatever your routine is, I can save you a lot of money if you switch out your conditioner for apple cider vinegar. Yes, I said, "Apple Cider Vinegar." Many people store their apple cider vinegar (ACV) in the kitchen where it is used for food preparations.
Not too long ago, I substituted ACV for conditioner while showering. I did it on the weekend, because I didn't know what the final result was going to be. Combine 1 TBSP of ACV with 1 cup of water. I then put the mixture in my spray mist bottle. Off to the shower I went.
After I washed my hair, I sprayed my damp (not soaking wet) hair with ACV. I sprayed the outer layers, middle layers, and area around the nape of my neck. I did all this while still standing in the shower. Yes, the smell was quite disturbing. Fear not, it fades once your hair is dry. Some people rinse it out, and some people leave it in their hair.
After I dried off, I took a comb to my hair. Fully expecting it to filled with tangles, I braced myself for a tugging session with my scalp. To my complete surprise, my comb glided through my hair with no tangles. Once it was dried, my hair was so silky smooth and shiny. And, still no tangles. I have been hooked ever since.
Some people only do this Apple Cider Vinegar Rinse every other day or a couple of times per week. Give it a try and see what works best for you.
So, if you want to spend pennies on conditioning your hair, make the switch to apple cider vinegar. You will be happy you did.
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