By Susan B.
There is more to saving money than utilizing practical common sense. Setting a budget and cutting back due to the current economy may not be enough – your major life expenses such as finding affordable dental coverage, paying for doctor visits, and paying bills may always exist.
Saving on these big expenses can be as easy as doing a little research. These 5 tips will show you how to consistently save money on health insurance, affordable dental coverage, utilities and even groceries!
The issue of health insurance has created much debate over the past year, and you may not have a friendly opinion of insurance companies. However, until a better option is available, finding the cheapest individual health insurance plan can be as easy as entering your zip code on the internet.
Simply searching “health insurance” on a search engine will bring up several websites that allow you to compare the rates of different insurers. Investigate one or two of these sites and find a plan that makes sense for you, your family and your budget. If you choose a high deductible plan, you may also want to look into health savings accounts or Care Credit to ease the pressure of payments as you meet your deductible.
Finding an affordable dental plan can seem extremely difficult, especially for families. However, you can find affordable dental coverage through just a few simple clicks on the internet!
If you need immediate coverage for you or your family, your best alternative to dental insurance may be a low-premium, affordable dental discount plan. These plans often cut your dental bill in half and are available for a low membership fee. Just search “affordable dental” on a search engine online to investigate the variety of dental discount plans available.
Groceries are one of the most expensive bills you pay each month, but beyond cutting back there are some tricks that can save you even more money at the grocery store.
The biggest grocery trick is to bypass Wal-Mart style super-shopping by learning how to use coupons! Coupons from your local grocery store and newspaper list a multitude of deals that you may not have been aware of. Go online to search for websites that help you take advantage of these deals, and you will even learn how to get some items free! Researching these coupons may take a little work, but it is definitely worth it.
To save on your utility bills, try going green. Going green may sound like a fad, but it really will help reduce your costs in the long run. Not sure how to start? Here are some green action steps to try:
If you lump your weekly to monthly expenses of gas, clothes, and miscellaneous needs together, they will also form a large chunk of your expenses. What is the best way to reduce their cost? Simplify.
Use the classic three R’s to help you simplify: Reduce. Reuse. Rearrange. Reduce the use of your car. Walk to nearby places or ride your bike. Reuse by learning how to repair your clothes or to spruce them up to be trendier instead of buying new clothes. Finally, rearrange how much time you spend expending resources, such as money spent eating out and going to movies.
Once again, the internet is a great source for more detail on how to use all of these tips to your greatest advantage. A little research can go a long way to keep money in your wallet. From affordable dental to simpler lifestyle, there are hundreds of ways you can save money on your big life expenses.
See this article by Susan Braden for more information about affordable dental plans.