57 Ways to Reduce Housing & Home Expenses
Consider buying an old, inexpensive house & modernizing it yourself.
Check firms that build the house's exterior and you do the inside work.
Give thought to living in a mobile home or modular housing.
You can save substantially by learning how to conserve home energy.
Insulate your home yourself & you may be entitled to a large tax credit.
Use solar energy in your home & reduce conventional energy expenses.
Pay property insurance premiums annually for substantial savings.
Moving costs may be tax deductible, if it was done for business reasons.
If necessary, add extra rooms instead of looking for a larger house.
Keep your home in good condition. It will insure top money when selling.
How to Save on Home Repair Bills
Practice preventable maintenance. Take good care of what you have.
Get an illustrated manual & learn to repair most common problems yourself.
When needed, ask friends & neighbors whom they recommend for repair work.
Always get competitive bids for larger repair jobs.
Before hiring a firm, ask for names of their customers you can contact.
If a loan is required for repairs, shop round for lowest interest rates.
Borrow money for the shortest period possible.
Use reputable firms. Check with Better Business Bureau if necessary.
Establish a good trusting relationship with a reliable repair service.
Get a signed cost estimate before repair work is started.
Where to Find the Best Home Bargains
Classified ads. (You'll get a better bargain from private owner, than from a store).
Sales and clearances of reputable stores.
Look for "floor samples" and "demonstrator's models
Shop for discontinued models and "slightly damaged" merchandise.
Buy "unclaimed" and "repossessed" furniture at warehouse sales.
Buy unpainted furniture and finish it yourself.
Try to buy wholesale. Some manufacturers have "wholesale outlets".
Consider working a swap with friends, relatives, neighbors.
How to Buy Furniture, Appliances, Furnishings Intelligently
Before you buy, ask yourself, "Do I really need it?"
Shop around before you decide. Become an expert comparison shopper.
Ask around. Talk to others and ask their experiences, suggestions.
Go to the local library and read. Check out recent articles on the subject.
Is the merchant reliable in case you have any problems later?
Never sign contracts or agreements until you know what you are signing.
If you buy on credit, keep a written record of your spending in your wallet.
Use charge cards only if you pay bills before interest is added.
Buy only low-energy, high efficiency appliances.
See if you can "make do" with what you have.
When ordering carpeting, ask for broadloom remnants and save about half.
Make some items yourself, such as curtains, draperies, bedspreads, etc.
Buy radios and TV's during January & May sales.
February & June are good times to buy bedding, floor covering, furniture.
Shop March & July for good buys on washers and dryers.
Buy rugs during August and October sales.
Stock up on household linens during the months of January, May & August.
March is a good month to buy a house, right after school vacation starts.
Buy a kitchen range, paint & wallpaper during April sales.
March is a good month to select a new air conditioner.
January sales are good for buying small appliances, blankets, quilts.
Buy housewares in Feb., Sept.; china & glassware in March & Sept.
Buy fabrics in Jan. & October; storm windows in June & July.
Yes, you can buy homes, apartments and land for next to nothing by using the procedure of bidding at "tax delinquency and lien sales." These are made to recover unpaid taxes on property which is auctioned off 3 to 4 times each year.
Anyone who doesn't use coupons when they go grocery shopping is missing out on an easy way to save money. Many stores double coupons, so a 35 cent coupon will actually save 70 cents.
14 Ways to Get Free Postage and Envelopes
There are a large number of "trade" magazines, journals, newsletters, and newspapers which are mailed absolutely FREE to interested firms and individuals who merely ask for them.
If possible, appoint yourself as President of your own non-profit organization and have the organization supply you with a "free" vehicle will all be expenses.
Once you have formed your own non-profit organization, you merely place in your corporate charter the provision that life insurance and pension be paid by the organization of which you are a member.
It is important to select the right bank. Do NOT choose any bank―be fussy! There are two main objectives to seek when searching for a new bank.
It may have been possible in the days of swashbuckling pirates for the individual with a few extra bucks to hide his stash in a chest in the ground beneath a secret palm tree and be reasonably sure that his money was sagely hidden from other pirat...
Everybody wants to keep as much of the money they earn as possible. Those people in the higher income brackets are forever looking for a way to protect their money from the income tax collectors.
34 Legal Methods to Cut High Postage Costs