How to Save Money and Live Well!

Saving money can be much simpler than one realizes.  We all know the basics of how to do so, but taking a different approach to cutting back will help the whole journey a lot easier, and a little more fun.

1. Think Used
Nine times out of ten, purchasing something used is going to cost a lot less than buying it new.  This can especially hold true for large items such as vehicles, appliances, furniture, and even homes.  Small items, such as children’s toys, clothing, and other household goods can be purchased used, but are just as nice as new.  Watching newspapers for garage sales, upcoming flea markets and websites that sell used items are the best ways to strike a deal.  Thrift shops and consignment stores have many lovely clothes and accessories, and can be quite thrifty, compared to new items.  Yard sales are great places to find used toys, furniture, and clothes that you can generally pick up for about 90% off what the original cost was.
2. Research
Just because something is listed as being “on sale” does not necessarily mean you’re paying the lowest or best price possible.  Especially at the grocery store, its best to stock up on things on sale that are definitely very low in price.  Do the math and see what the best buy is.   With cable companies, insurance companies, or places that you can purchase memberships, always compare costs to the companies they compete with to see who has the best offer. They may match or even beat the price you've been quote originally.   With cell phones, sometimes it’s cheaper to pay to terminate the contract, versus paying premium for months on end.
3. Rewards and Loyalty
Always sign up for and use discount cards for being a loyal customer.  In many circumstances, such as grocery stores, the rewards card discount added in with coupons will give you a great deal.   Gas stations even offer rewards cards so that when you swipe the card, you get lots of free items and sometimes cheaper prices on their gas.  Using travel rewards programs can rack up free hotel rooms for vacations or visits to distance places.  Collecting points while on business can come in handy for personal use later.
4. Coupons
Many people feel that coupons are hard work, but you can get the best deals, even items free, with just a few easy steps.  Watch the weekend papers and cut coupons for every item you use (or may be using) in the next few weeks.  Always carry your coupons with you, in case you make a pit stop to the grocery store, so you have them handy.  Many grocery stores even offer double coupons, so be sure to stock up on items that you use daily to get the best savings possible.  Take advantage of free coupons ALWAYS!

Brock Jenner likes to write about couponing, saving money and visiting http://www.boatinsurance.org/.