10 Ways to Save Money Every Time You Shop

This article outlines ten great ways to save money.

Do you think you're a smart shopper? How many of the following money-saving tips did you know?

1. Eat with the sales. We humans used to eat with the seasons out of necessity.  Whatever food was in abundance, we ate. It pays to eat with the sales now because when produce is "in season", it usually is on sale. This means buying blueberries in July and apples and cranberries in autumn.  The key is to plan meals with seasonal recipes.

2. Shop with the sales.  Some items go on sale seasonally. Car dealers are motivated to sell this year's models in the last months of the year. The week after Christmas is the time to buy Christmas decorations. Winter clothes, towels and linens go on sale in January.  School supplies are on sale in the weeks before school starts. 

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10 Ways to Save Money at the Grocery Store

Clipping coupons and comparison shopping are great ideas, but there are so many more ways to save money at the grocery store. Empower yourself with a little knowledge, take a little extra time to look around instead of just reaching for the same products you buy week after week, and take the time to think about what you are purchasing. Here are ten tips to help make your next trip to the grocery store a money saving success.

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Top 10 ways to save money on car insurance

Purchasing car insurance can be somewhat complex. The more information you're armed with will help you save money. Below are 10 ways to save money on anyone's car insurance.

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<li>Clean Motor Vehicle Report (MVR) - Try your best to have a clean license. This means no speeding tickets or violations for at least 39 months. Car insurance rates favor drivers with clean licenses.</li>
<li>No accidents - I know people don't try to have accidents, but being accident free for at least 39 months usually places you in any insurance company's most preferred rating tier.</li>
<li>Prior Insurance - Insurance companies look favorably upon those who have had insurance for at least 6 months. If you currently have insurance, try not to let it lapse and then look for new insurance. Keep it in force continually.</li>
<li>Good Credit - More and more insurance companies are looking at an individual's credit rating to determine insurance rates. The better your credit, the better rate you'll receive on your car insurance.</li>
<li>Defensive Driver Certification - Anyone can sign up to take a Defensive Driver course. The course is usually 6 hours in length and upon completion; you're entitled to receive an 8-10% discount off your car insurance.</li>
<li>Select Modest Vehicle - Insurance for cars is related to the actual vehicle itself. Obviously the more expensive the car the more expensive the insurance. Try to purchase a modest vehicle thus making the cost of the insurance less expensive.</li>
<li>Deductibles - The deductible you choose on your auto policy is the amount deducted from a claim, which you're responsible to pay out of pocket. A higher deductible relates to a lower insurance rate.</li>
<li>Multi Vehicle Discount - Car insurance policies offer a discount once you have more than one vehicle insured. Normally the discount is 25%. If you have more than one auto policy in your household, you should combine the two and take advantage of the savings.</li>
<li>Package Policy - Companies offer a discount to policyholder's if you insure a home (condo, or renters policy) with them as well as your car insurance. The savings on the car insurance may pay for the complete cost of a renter's policy or will provide a large discount on a homeowner's policy.</li>
<li>Address - Try to live outside of a major metropolitan proper area. The suburbs can be 40% cheaper to insure a car vs. a city address.
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