There’s nothing like a mid-winter electric bill to get me motivated to start saving money. So, assuming others feel the same way, here are some money-saving tips that might help you trim your costs today.
Insulate Your Pipes
Consumer Reports offers this tutorial on how to take a couple hours to save yourself serious money on heating costs. If your home’s boiler does not yet include insulation around its pipes, it may be time to add some.
The project looks fairly straightforward:
- Check your hot-water heater’s owner’s manual. It’s important to make sure there are not materials that could melt the insulation and release toxic chemicals.
- Round up the tools. You’ll need measuring tape, scissors and a utility knife with a retractable blade.
- Get to work. Once you’re finished, your hot water should stay two to four degrees warmer in the pipes, saving you heating costs!
- Do some basic research. Type car insurance or whatever type you’d like to investigate and your ZIP code into a search engine and see what comes up.
- Review your costs. Dig up your insurance policies and see what you’re paying and what you’re getting.
- Pick up the phone. Make some calls to the providers you find online and ask for a quote. For providers that offer a variety of insurance, see if they offer packages.
- Switch—or stay. If you’d like to stay with your current provider, consider asking them to match the lowest rate you were offered elsewhere. If they say no, you can jump ship.
- Some states don’t work: While people across the country can use this program to file their federal taxes, not every state has set up a filing system for state taxes.
- Step-by-step help: If your gross adjusted income totals less than $57,000, you qualify for the free, guided assistance through the filing process. Otherwise, you may be on your own (but can still use the software).
Lower Your Insurance
This post from GetRichSlowly.org details how one man saved hundreds of dollars on his home insurance—simply by shopping around. If you’re looking for a way to cut costs, try his technique:
A few phone calls one afternoon can save you hundreds of dollars a year—so take advantage of comparison shopping.
File Your Taxes for Free
The IRS website Free File allows many consumers to file their federal and state income taxes online, for free. Here are the details:
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Tags: Moneysaving Tips, Tips