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If you own a house and don't look into your property taxes, there is a good chance you may be overpaying. Most homeowners think that their assessment is equal to the market value estimate the town placed on their property. It is not. Assessment and market value are completely different amounts.
First, get the sales ratio which is also called the director's ratio, equalization rate, the average ratio or a host of other names that the conjure up. Divide the sales ratio into the assessed value to come up with the actual figure that the tax assessor assigned to the value of your home. Go to your local realtor and get comparable sales to beat the market value number you found. If there is a serious variation, appeal your property taxes.
Keeping your auto in shape can save you a lot of money. If your air filter is really dirty, you can be losing up to 14% on fuel economy. Add 3.3% for not having tires inflated to their max and another 4% for your engine not being tuned and we're talking a lot of money.
Check for auto insurance rates at the National Association of Insurance Commissioners website or ask friends or the Yellow Pages. Also look through consumer guides, insurance agents, companies and online insurance quote services and compare similar plans. Compare with your current policy. Often, using the same insurer for multiple policies will get you a 10 to 15% discount off your premium.
Credit cards can hit with with higher rate fees as well as penalties if you are late with payment. Send your payment in 10 days early so as not to get squeezed. Also if you have a credit card with a lower interest rate, use as a cash advance to pay off your credit cards with higher interest rates.
Buy more basic food products to save money. Use store discount cards and cut coupons to save money on groceries. Take a calculator with you to the grocery store to keep track of the totals and avoid purchasing impulse items. Compare the quality of generic with more popular ones. Buy sale items in bulk
Cook at home instead of eating out. You'll find a balance between saving money and getting stressed out. Brown bag lunches and skip drinking coffee or purchasing your favorite beverage out as often as possible and make it before you leave the house.
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