Monday, June 22, 2009

the 50 ways to save on gas


Save Money on Gas!
With Gas Prices So High...What's a Frugal Family to Do?
How to Save Money on Gas: More Than 50 FREE Gas Saving Tips!Copyright © by Michelle Jones, founder and editor of BetterBudgeting.com
Not owning a car these days can sure be cost effective, especially with the rising costs of gasoline! Here's a list of gas saving tips I wrote a while back... when prices were just starting to climb over $2.00 per gallon here in the States! With current gas prices now toppling over $4.00 a gallon I thought it would be great to revisit these tips and have our readers write in with anything that we can add...
Here are some great gas saving tips to help you save more at the pump, including how to figure your car's average mpg (miles per gallon) and whether or not you can save money driving with A/C on or off!
Doing whatever we can to cut back on our consumption of gas is not only important for saving money--especially with the current high cost of gasoline--but it's also just good stewardship to conserve our resources. Below you'll find just about every tip I could think of to help you save money on gas, if you have an additional gas saving tip to share with our readers please contact us and we'll add it to the list!
1. Save on other areas of your household budget so you can afford the gas needed to get to and from work each week, we've got thousands of money saving tips here at BetterBudgeting.com to help you save all through the year!
2. Find the lowest gas prices online! A great site for tracking the lowest gas prices in your area is GasBuddy.com. Just search the (U.S. or Canada) map for your state and click to see if prices are available for your city! GasPriceWatch.com is also a great resource, and my husband also likes autos.msn.com, though my computer always warns me of a blocked intrusion whenever I visit the site.
3. Movie tickets are already pretty high, but now we’ve also got to consider the added cost of traveling there and back. Now is an excellent time to join Netflix or Blockbuster (both companies offer rent-by-mail memberships with no late fees, and Blockbuster offers an in-store exchange option with their membership which we prefer) and it won't cost you a single penny in postage or GAS! Tip: The "unlimited" movie membership accounts are especially great for the summer months when the kids are home from school!
4. Combine daily errands into one WEEKLY trip, including getting gas if necessary. If you usually have to make quick trips to the store for bread or milk, buy enough to get you through the week. (You can also freeze both of these staple grocery items, just empty some of the milk before you freeze it because the container will expand.)
5. If you run out of milk often consider switching to powdered milk, or at least keep one box on hand so you don't have to make an extra trip to the store. (And you'll also save money on milk as well as gas!)
6. I often stretch weekly trips to the grocery store to every 10 days or more, it's a great money saver! By doing this you'll not only save money on gas, but you'll also save on groceries!
7. ALWAYS keep a running list of items you need on the fridge (groceries and non-groceries) so you don't forget anything when you do finally make your trip to the store!
8. If you're on a fixed income spend less on groceries than you normally do so you can better afford to pay for the gas you do need. Visit our grocery savings site at GrocerySavingTips.com to read more of my free grocery tips!
9. Carpool with a friend or neighbor whenever possible, then either share the cost of gas or take turns driving.
10. Walk or ride a bike instead of driving your car to school, work, or nearby destinations, if you're able to.
11. If you do have to drive your car to school or work, pick up groceries or other items you need on the way home--instead of making a special trip later at night or on the weekends.
12. Try to get the best price on gasoline, but don't drive all the way across town to do it!!!
13. If your tank is more than half full but you see gas for a really good price go ahead and top your tank off, but, ONLY if you can't save more money by doing something else with the extra time it's going to take... like clipping a few grocery coupons. Better yet, do both! (We also give away up to $100 worth of free grocery coupons each month to our Tip Rewards winners, which are featured in our free monthly ezine!)
14. Try to buy your gas during the week if you can, our local stations have always tended to raise their prices on the weekends, and especially on holiday weekends. So wait to fill up until they come back down a bit, maybe on Tuesdays or Wednesdays.
15. Make sure you remember to put your gas cap back on securely after filling up. (This can be hard to do when you see how much it just cost to fill up your tank!)
16. Take the highway to avoid stop-and-go traffic in the city if you can, but don't drive over 65 mph! Anything over that will eat up gas faster.
17. Don't let your engine idle for very long, if it's going to be more than a minute just turn the car off. (This is one we're really having to work on!)
18. When driving around town don't run the A/C unless you really need it. Please note: This only helps when you're driving at a lower speed; if you're driving at a higher speed or on the interstate the air friction from having the windows open could actually lower your mpg! Years ago when our children were very young and my husband and I both had cars without A/C we used to joke about how great it was to have FREE air conditioning, also known as 2-65. (Sometimes you just have to laugh to keep from crying!)
19. No matter how frustrated you get, avoid gunning the engine when ticked off at bad drivers. It will lower your mpg!
20. Park ‘n Ride. If you live in a city that has public transportation you can park your car at the nearest stop on the bus line and then ride the bus the rest of the way to and from work, for a fraction of what it might cost to fill your tank up every week.
21. In some large cities (Seattle-WA, Portland-OR, Washington DC, Los Angeles & San Diego-CA and Chicago-IL) you can even ride public transportation and then join Flexcar which lets you borrow a car by the hour, while you’re at work.
22. A few of the schools in our area are considering a 4-day school week to save money on the rising costs of gas, as I’m sure some businesses may be thinking about as well. I know even the idea may sound a bit shocking, but who knows, maybe it could work.
23. And if you have children who ride the bus to school make sure they are ready on time in the morning so they don't miss their "free" ride! I told our children if they missed the bus again they'll have to do the dishes for an entire week--it seemed to work! ;o)
24. If your children forget their homework or lunch money at home and the school is quite a drive... well, I'll leave that one up to you. One day my youngest son forgot his weekly report which was pretty important, so I drove it up to the school and ran a few extra errands while I was out. The very next day my youngest daughter forgot her lunch money on the kitchen table, but I knew the school would let her charge it to her lunch account and we could send the extra money in the following day, so I left it on the table and talked to her about it when she got home. (Packing their school backpacks at night does help!)
25. If your family has two or more cars you might want to consider sizing down, as long as the extra trips won't end up costing you even more than maintaining the additional cars.
26. If you’re a double-income working couple and are commuting to work in two separate cars, have the one who’s job is the furthest away drive whichever car gets better gas mileage!
27. If you’re not sure what your car’s gas mileage is… you can calculate that by writing down the odometer reading when you fill up your tank or resetting the trip meter to zero. Then, the next time you get gas, make a note of the mileage and how many gallons it takes to fill the tank back up. Take the difference in mileage (which is how many miles you drove on the trip meter), and divide it by how many gallons of gas it takes to fill up. For example, if you drove 100 miles and it takes 5 gallons of gas to fill your tank back up, you're getting 20 mpg.
28. Your gas mileage may also vary just a bit with each fill up depending on traffic and how you're driving, but you'll have a good idea of what your average is by continuing to keep track of your mileage over several weeks or months (a small notebook would be handy). Once you have at least several weeks of figures to use, add the mpg averages together and divide them by how many there are. For example, if you've got averages of 20, 21, 19, 22, and 25, your total would be 107 and you would divide that figure by 5, bringing your average to 21.4 mpg.
29. If your car gets less than 20 mpg you might consider trading it in for one that's more efficient. SUVs may be great cars, but I'm still very glad we don't have one!
30. Consider getting a Hybrid vehicle. Our local news featured a gentleman who has a Honda Hybrid, he was laughing all the way home (as he was in the interview) I'm sure... his electric car gets 77 MPG on the highway! Yes, you read that correctly, 77! He also said that they are not as difficult to recharge as people think, it automatically recharges every time you step on the brakes.
31. Keep your car in good working condition, this includes oil changes (every 3,000 miles), air filters and checking the engine regularly. Getting a tune up might also help, especially for older models. Check your owner's manual for recommended service dates.
32. Make sure your tires are inflated properly, and rotate your tires every 6 months or as often as recommended by your service company.
33. When driving on the highway use your cruise control if you have it. This will also help you avoid those nasty traffic tickets that would eat up all of your hard earned gas savings!
34. If you’re still using premium gas instead of regular unleaded check your owner’s manual to make sure this is necessary. Most vehicles are made to operate just fine on regular unleaded!
35. Shop online whenever you can to avoid extra trips all together, we have a special list set up for clearance sales and special offers (including free shipping at many online stores) in our Shop & Save department. Don't buy anything unless you really need it though, every dollar you save can help pay for the rising costs of gas, food and housing.
36. For many years I have recommend local sight seeing (traveling by car) as a frugal family fun outing--it's one of our favorite things to do! But with the price of gas now being double what it used to be, you may just need to choose areas that are very close to home. Although... considering the even higher costs of hotels and airfares, it's still a frugal way to have fun! :o)
37. One thing I do not do anymore is to spend a lot of time looking for the lowest price on gas each week! I generally know which gas stations have the best prices and I watch their price boards as I drive by during the week--which costs no money and NO TIME! When my tank starts getting low I make sure to stop and fill up at a good time; at the station that I know has the best price! I have a very busy schedule and have found this works best for me, I seem to get the lowest price on gas about 99.9% of the time using this method. So I think whatever method works best for you is fine; whether you search for the lowest prices online before you leave the house or just make yourself aware of prices in your area throughout the week.
More Tips from Our Readers...
Do you have a gas saving tip you'd like to share with us? We'd love to hear from you!
38. "Carrying extra weight in your vehicle decreases fuel efficiency. I drive a minivan but usually don't need all of the seats. We took out one of the middle row captain's chairs. Having put it back in there once, I can assure you that it is quite heavy. It's that much less weight that needs to be moved down the highway." - Shona R.
We had four readers write in with this similar tip so here goes!...
39-1. "My gas tip is to only fill your tank half full because having less weight from all that gas in your car will help increase your gas mileage." - Conrad B.
39-2. "If your using your car or vehicle for smaller trips, and are near quite a few gas stations (making sure you don't run out of gas!), fill the tank only to about a quarter to a half a tank full... less weight for the car to carry and more mpg." Jason W.
39-3. "To save even more money on gas you can wait to fill your car up (if you can get back to the cheaper station without going out of your way to fill up when you need to). Much like any heavy items in your car, fuel itself adds weight to the vehicle. I recently was forced to overhaul my driving, I have slowed down on the highway, use cruise control whenever possible, stop for the cheapest gas, stopped making those jerky "gun it" starts, and I wait to fill up till I absolutely need to and of course regular maintenance. I used to get 300 miles to the tank - now I get about 380!" - Ericka O.
39-4. "The correct answer would be to try to keep your gas tank filled to over half (i.e. add gas once it gets to half empty). You get better mileage on the gas if it is over half full. I've been told that my entire life from every mechanic with whom I've had contact, as well as from my parents and grandparents. Additionally, keep the car in good tune. If everything is working properly, it drives more efficiently. I've also been told to keep track of your miles per gallon. It not only tells you how far you can go on a tank of gas, but it will give you early warning signs of car trouble. If you regularly get 28 miles per gallon and it begins to drop off consistently (from 28 to 24 or less, and it's not due to bad gas and traffic conditions), it's time to check the car for potential maintenance issues." - Donna W.
40. "A lot of gas stations in our area are starting to offer a reduced price per gallon if you pay in cash, versus paying with a credit card. Most of the time it's a difference of about 10-20 cents per gallon! If you fill up a couple of times a week, that could come out to enough extra cash to pay for one extra tank of gas. So, next time you're at the bank, take out some extra cash for the "gas fund." But, don't make a special trip there, or that might eat up some of your savings!" - Tina B.
41. "Look for gas stations who offer gas rebates if you use their credit card. A local NJ convenience store chain offers 4% back if you use their card. Other purchases are 1% back. Charge what you can, always setting aside the cash to pay the bill every month so you don't lose your savings in interest and fees. My wife and I recently purchased a dining room set. We used our Visa card to make the down payment, having the cash in the bank to pay the bill. We received $150.00 in gift cards that we used at the pump. That's a lot of free gas." - Chris K.
42. "Since gasoline becomes less dense as the air temperature increases, you get slightly less gas if you pump in the heat of the day. Pumps can be modified to adjust for temperature differences, but it's not a common practice in the U.S. Pump your gas when it's cooler, like early morning." - Denise
43. "Our family enjoys garage sales, but with the price of gas we only go to neighborhood sales. When we get to the neighborhood, we park and walk and pull a wagon behind us for our 'treasures.' We get some exercise too!" - Lisa R.
44. "Keep a can of spare gas, purchased at the best price, at home in a safe place. My teenage daughter will run her car till she's almost out and then claim "I need to fill up." The closest gas station is .20 cents higher than the station 8 miles in town. We will give her a gallon to get her into town to fill up at the cheaper station." - Howellseven
(Editor's Note: Always store spare gasoline in a safe container and away from young children. With four children in our family we try to not keep any on hand unless absolutely necessary. So please use your best judgment, as always, with all of our money-saving tips!)
45. "Let your car coast to a stop light instead of keeping your foot on the gas pedal; only to apply the brakes just before stopping." - Margaret Y.
46. "Whenever you can coast do it. Always read the road and notice the 'downs,' as soon as you see one take your foot off the accelerator and coast 'til you see the tachometer slowing. Also look ahead for the traffic lights, if you notice the red light far away, slow down and time your speed (if traffic conditions allow it) to coincide with the change to green light." - Suflo
47. "Before you go grocery shopping or run errands check with your local neighbors/friends/relatives and do some of their shopping at the same place you are... in turn they pay you or they let you use their car in return for your time and effort." Marla H.
48. "Drive UNDER the speed limit... let all the other motorists waste their gas, as they pass you up (it is there choice, not yours). If it is 55, I usually go 50, while everyone else drives 60 to 65! It also helps you to learn patience and to SLOW down the pace in other areas of your lives." Marla H.
49. "Learn to brake less while driving. (This increases mpg and also prolongs the life of the brakes). You can do this especially well on familiar roads you often drive. Anticipate bends and turns in the road. Letting up on the gas often eliminates the need for breaking. Coast to (but not through) stop signs. Pull out from stops slowly rather than gunning to full speed. Unless, of course, you are merging into traffic." - Gary G.
50. "I have never had a car. I've lived in Boston, Providence, New Orleans, and Atlanta since 1971 and used public transportation. I have found buying the monthly card is the best thing to do. Wearing a smile and carrying a paperback to read I have managed to enjoy myself and have made amazing friends – true very close friends – from fellow bus riders. I wear perma press clothes, send them thru the cold wash every night low level. Because, you can sweat a great deal. "Aren't you glad you use Dial?" I wear a good deodorant. Buses and trains are close quarters. Always carry a pocket sized umbrella. Wear sensible shoes. Carry dry socks. Make notes of what stores museums and libraries you pass and go to them along the way. I can bring home veggies, fruit and nuts one night. Bread and milk the next after work. Coffee beans on Saturday, while visiting the museum. Also note the second hand stores and farmer's markets and hardware stores. For thirty years I used Laundromats, kept a hefty roll of quarters and a wire pull cart. Made a Saturday morning of it, read the paper and drank coffee and talked while I washed. Did a lot of hand washing in between. It isn't the greatest life, but it is good if you make use of your time. One of my friends who still washes at the Laundromat is a Chinese brush artist. I need to get over to see her work one of these days and take her some gourds I grew for her to do a painting. - Susan H.

Tuesday, June 9, 2009

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10 practical ways to check a used cars


10Practical Ways To Check A Used Car
Filed under: Car Care — User @ 7:00 am
Since its inception, the market of used cars has suddenly escalated at an unprecedented rate for the past few years. In fact, surveys show that the number of people who buy used cars is almost tripled when compared to the number of people who buy new cars. That is why many people are enticed to buy used cars because it is gradually becoming a trend in the car buying industry. However, it does not necessarily mean that buyers will just take the process of selecting used cars for granted. Hence, it is important to take note of the ways to check the car prior to the closure of the deal. Therefore, for people who wish to know the different ways on checking the condition of the used car, here are some pointers: 1. Test drive There is no better way to check the condition of the car than to do a test drive. In this way, the buyer will be able to know the actual condition of the car and its parts like the brakes, accelerator, etc. Also, the buyer will be able to detect at once if there are some “clunks” and rattles on the used car, even if the test drive is just a short trip. 2. Personal inspection Aside from test-driving, it is also important for the buyer to personally inspect the details of the body make-up and its condition. In this manner, the buyer will be able to identify any signs of rusts and damages, the condition of the tires, oil leaks, etc. 3. Mileage check Usually, an average user or driver will consume 12,000 to 15,000 miles in a year. In this way, the buyer will be able to know the approximate age of the car by looking at its mileage. 4. Mechanic check Another way of checking the condition of a used car prior to its purchase is to seek the help of a mechanic. This may cost the buyer some charges but the money would surely be spent for a good cause. The mechanic is the best person who could instantly assess technically and professionally the condition of a certain car. 5. CARFAX Report Knowing the history of the car is also one of the best ways to know the real condition of the car. Hence, it is important for the buyer to seek the help of CARFAX report in order to know the full details of the used car’s history. Take the proper steps and research your purchase. Doing so will guarantee a happy car buying experience. About the author:Gregory Ashton, your resident automobile enthusiast, bringing to you over 20 years of vehicular passion, and expertise; presents for your approval his insider secrets on selecting, buying, and maintianing the car that is ideal for you. http://www.best-car-buying-tips.com/-
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December 7, 2008
7 Easy Ways To Slash Your Auto Insurance Costs
Filed under: Car Care — User @ 1:00 am
The law requires you buy auto insurance. So if you must get cover, how can you reduce costs ? Here’s 7 easy ways to get the best possible auto insurance deal.
* Multiple Quotes
Get multiple quotes - use the internet and call a few brokers. It’s easy to gather some good comparison quotes.
Remember to get different types of quotes e.g one from a direct-sell insurance company; another from an offline broker who keeps a database of quotes; and a couple from the internet.
Cheapest might not mean best. Will they pay out if you make a claim ? How financially secure ? How reputable ? Check around with family and friends, and look for online reviews.
* Different type of car
Insurance costs vary depending on car type. Obviously, that $100k sports model costs more to insure than your average runabout. If you’re planning to buy a new car, check insurance costs before you buy. I once set my heart on a beautiful, high performance, highly tuned Pontiac.
Luckily I checked the auto insurance before I bought it, because I couldn’t get insurance. Every broker, every insurance company flat turned me down because I lived in a high car-crime area. So I had to forget the car of my dreams until I moved up-town.
* Age and Value of Car
Maybe you’re buying a used car ? Maybe your car saw better days a few years ago, and now values much lower ? So why pay for high-priced auto insurance ? In particular, do you still need fully comprehensive coverage ?
A good rule of thumb multiplies insurance premium by 10, and compares that figure with your car value. So if you’re quoted $1000 premium and your car is worth less than $10,000 you may want to think if comprehensive represents good value. If you drop collision and/or comprehensive coverage, you should get big savings.
* Higher deductibles (excess charges)
Most auto insurance companies use deductibles to keep policy cost down. Deductibles, or excess charges, show what you pay before your auto insurance policy kicks in. Try requesting quotes with different levels of deductibles, and see how your quotes vary.
Most internet quote forms contain a box where you can specify preferred level of deductibles. Ask your broker his recommended level. For example, going from $250 to $500 deductible can slash your insurance costs by 20% or more. Go to $1000 and you save a lot of money. But you must pay the deductible if you need to make a claim !
* Multiple Insurances
I guess this might come under the ‘Get Multiple Quotes’ heading, but it’s still worth mentioning separately. You usually get an insurance break if you buy multiple policies with the same insurer.
This might mean multiple vehicles, or homeowner and auto insurance. Either way it’s worth asking about multi-policy discounts.
* Low Mileage
More and more people work at home. No more commuting. Fewer business trips. Low mileage on your car. Maybe you do travel to work, but car pool ?
Either way, look for low mileage discounts.
* Good Driving Record
A good driving record always reduces your auto insurance costs. Keep a clean drivers license. Don’t speed, don’t drive dangerously, and you’ll save money (apart from other benefits !)
* Bonus Tip
Okay, I said ‘7 Ways…’, but here’s some extra tips. Fit anti-theft devices to your car. Go on an advanced driver training course. Use daytime running lights. If you’re a college student away from home, consider adding to parents policy.
This short article covers the things you must consider when shopping for auto insurance. Follow these tips and you’ll slash your auto insurance costs.
DigiLectual Inc. 2004
http://www.autoinsurance--quotes.com/
Discover valuable information and tips to help slash your auto insurance costs.
Go ==> http://www.autoinsurance--quotes.com/
** Attn Ezine editors / Site Owners ** Feel free to reprint this article in its entirety in your ezine or on your site so long as you leave all links in place, do not modify the content and include my resource box as listed above.
If you do use the article please send me a note to neil@autoinsurance–quotes.com so I can take a look. Thanks. Check out other great articles at http://www.autoinsurance--quotes.com/articles.htm
Neil Stelling is Marketing Manager of New York based, DigiLectual Inc.
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Warm Your Toes, Warm Up Pie, But Don’t Warm Up Your Engine I can remember my grandfather going outside 10 minutes or so before he left for work to start the car. He’d crank it up, then come back inside and eat…
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October 28, 2008
5 Tips On Making Your Car More Fuel Efficient
Filed under: Car Care — User @ 12:00 am
With gas prices sky high most individuals who drive are interested in ways they can make their car more fuel efficient and save as much money as possible. While there are no fuel saving tips that will keep your car full of gas without filling up, there are some tips that really can help you save money on fuel over the long run. All of these tips focus on making your car more fuel efficient. Fuel Efficiency Tip #1 Drive When You Crank Up This might seem obvious, but as soon as you crank up your car you should drive off. However, many people crank up and leave the car idling for a while. Instead of this, when you crank up drive off and only keep your car running when it is absolutely necessary. Fuel Efficiency Tip #2 Don’t Ride the Break Many drivers hit the break more often than is necessary. Additionally there are quite a few drivers that slow down for a braking car when they could easily switch lanes. Not riding the break can increase your fuel efficiency by up to 30%, so this is a great tip you should follow. Fuel Efficiency Tip #3 Turn Off Your Car If you are going to be stopping for more than 10 minutes you should switch off your car to keep fuel efficiency at its peak and not burn more gas than is necessary. Fuel Efficiency Tip #4 Don’t Turn Off Your Car If you are only stopping for a brief moment or less than 5 minutes then don’t turn off your car because the amount of gas used to crank up is more than you would burn in that short period of time. Fuel Efficiency Tip #5 Inflate Tires Properly Too many drivers never think of their tires, unless one goes flat. However, having tires that are properly inflated can save fuel and make your car more fuel efficient, saving you money. Because of this, you should check your tire pressure on a regular basis. While gas prices don’t seem like they will be dipping considerably in the next few months every tip to help you make your car more fuel efficient is helpful. So, follow the above fuel tips and you will see that over time your car really is more fuel efficient. About the author:SearchArticles.Net offers articles, tips and information on a variety of subjects including cars and trucks. For more tips for your car visit http://www.searcharticles.net/-
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Top 10 Money saving tips.


As the UK and United states continues to show signs of economic downturn and cost of food, fuel and interest rate continues to rise, knowing how to reduce your expenses and changing your spending habits can make your money go further during economic recessions and economic downturn.
1.Switch your mortgage: If you have a mortgage and your interest payment is too high. Why not switch your mortgage to a better deal. You will surprise at the savings you could make. To find out the best deals on offer use a fees free broker to check.
2.Use energy saving appliances: Your annual fuel bill will fall, when you use the most efficient home appliances. New electrical appliances have the energy saving logo, so choosing the most efficient one. Using energy saving light bulbs can last longer and reduce your electricity bills.
3.Cut down on driving - Running a car can be very costly especially as petrol prices, insurance and road taxes continue to rise. The best action is to abandon your car and use public transport. But if having a car is a must, why not consider buying a less powerful, more fuel efficient car. Your running cost will be lower. Slowing down when driving can save you money on car fuel bill. A recent research found that most car engine run most efficient at 50 -70 miles per hour than at 80mph.Save on car insurance but searching for cheaper car insurance online. A good website to search for insurance deals is money supermarket
4.Avoid using expensive credit cards – Do not buy anything you can not afford with a credit card. Credit cards are an expensive way of borrowing than your local bank loan which offers better rates and better terms for you. If you are going to use a credit card, use credit card that offers 0% on balance transfers.
5.Cut down on expensive sandwich and junk foods – sandwiches, Burgers, fizzy drinks, sweets, potato crisps and takeaways are more expensive and do not nourish your body like the less cheaper fruits and vegetables. Instead of buying a expensive sandwich from a shop, taking a pack lunch will save you a lot of money.
6.Stop smoking and drinking – last April the government increased the taxes on cigarettes and alcohols. You could save thousands a year just by stopping smoking and drinking. The average price for a packet of 20 in the UK is £5. For a 20 a day smoking habit will cost over £1500 a year.
7.Do your shopping online. – shopping online can save you money. Online retailers are usually cheaper than high street retailers due to lower running cost. Thousands of online retailers offer cash back deals, which will reduce your shopping cost even further.
8.Open a high interest savings account – You can receive a higher interest rate when you open an online savings account than a regular current account. If you are not getting the best possible interest rate for your current saving account, you can move to a higher interest account. Kaupthing edge offers high interest savings accounts.
9.Draw a budget - To handle your personal finance properly you will need to write a budget and then stick to it. When creating a budget you will need to consider your past spending and personal debt and then allocates your future personal income towards your savings, debt repayment and expenses. There are various tools available to help to create your personal budget such as the Mint.
10.Cut your mobile and telephone cost – there are numerous choices of telephone and mobile deals and packages to choose from. If you are paying too much for your monthly calls and text, while not consider switching to a cheaper tariff provider.
About the Author
Money Magneto Talks Finance - Commenting on the state of the economy, banks, savings, investments, currency, commodities, markets, stocks and shares, trading and many more. The Money Blog

how to conserve fuel with cars

How to Conserve Fuel with Cars
With fuel prices being the way they are today, it is becoming more and more important to find ways to conserve gasoline. Many drivers who purchased SUVs and other inefficient vehicles a few years ago, when gas prices were at an acceptable level, are now deeply regretting their decision. Some people cannot even afford to get to work, as their gas costs exceed what they earn for the day. There are many methods for reducing fuel consumption, some of which are easy to do and others which are more difficult (yet more effective) to implement.There are innumerable simple rules one can follow to conserve gas and, in some cases, improve fuel efficiency. In the morning, there is no need to let the engine idle for more than a minute, as a car can warm up in half the time. Every second extra you wait is gas that is consumed for nothing. While this may not sound that important, over time, the gas savings can accumulate substantially.Avoid consistently turning off and restarting your car, as the amount of gas required to start the engine is approximately equivalent to that which the engine consumes during a minute of idling. Therefore, even if you are stuck somewhere for a moment, resist turning off the engine.It can sometimes be quite tempting to speed out as fast as we can from a dead stop. Doing this is an easy way to burn gas, so be sure to accelerate relatively slowly when coming from a non-moving position. The reason this should be done is because the carburetor operates at its highest efficiency when acceleration is slow.A clever way to gain more usable energy from the same volume of gas is by filling up when it is cool outside. Gasoline becomes denser as the temperature becomes colder, and the denser the gas is, the more energy you get. Also, be careful not to overfill your tank, as doing so is a complete waste.The slower you drive, the more fuel efficient your car is. An important transition point is any speed over forty miles per hour, as when you go that fast, the wind resistance a car must overcome becomes much more substantial. Therefore, it is a wise choice to stick to roads where the speed limit is forty or lower. Speaking of speed limits, following them is an important responsibility, not only for safety reasons but for fuel efficiency. In the 1970s, during the fuel crisis, the government changed the national highway speed limit to fifty five miles per hour, in an attempt to save fuel (and it was somewhat successful). When deciding on what route to take, try to follow the lightest, smoothest path. Bumpy, rugged roads can take away almost a third of your overall gas mileage. Therefore, it is best to try to avoid these types of roads as often as possible. If you take every single fuel tip in to account when driving, it will matter little if you own a car that has poor gas mileage. Since gas has become so expensive, car buyers are putting fuel efficiency high on the list of demands. Many new, innovative cars are being released that can get upwards of fifty miles a gallon. Notable car manufacturers who are working on improved vehicles include Kia, Mazda, and Cadillac.
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