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Lets Go Shopping to Ease The Recession
Posted By Ron On May 4, 2009 @ 12:01 AM In Credit,Frugality,Insurance,Life,Personal Finance | Comments Disabled
Shopping has become an art form and seasoned practitioners know how to parlay those skills into juicy finds to make their lives easier, better, or more fulfilled. Let’s go shopping and ease the recession’s impact on our pocketbooks.
I know it sounds crazy for a personal finance writer to advocate shopping in the midst of a recession, but it really CAN ease your financial stress  if you buy the right items with the right information. Which items and what information? Here you go:
Great rates on savings accounts are getting more and more difficult to find, BUT they are out there. Since I just want to “park” money for my emergency fund  in these accounts, I prefer to use ING or HSBC. ING’s rate has dipped plummeted as has HSBC’s but they are still better than putting money in my mattress (and a whole lot more comfortable).
Currently, the HSBC rate is better than ING’s but I still have some ING referrals so if you’d like a $25 bonus on any savings account  you open with them, send me a note via my contact form.
Once these links are used, they cannot be re-used so don’t delay! Otherwise you’ll have to use the HSBC savings account  link – just don’t get too creeped out by that talking pig. There’s no bonus with HSBC but they do have a slightly higher rate.
The industry leader in providing multiple quotes to consumers is InsureMe.com. These guys help their customers save 20-40% by giving them multiple quotes on car insurance  from names like Progressive, Esurance, Allstate, and Nationwide. Fill out one form and receive multiple quotes without all the hassle of phoning (and dealing with) sales people. Much easier in my book.
Our teeth are indicators of our overall health and taking care of them is one of my top priorities. I’ve just had a lot of dental  work done (replaced 7 fillings and got one crown) so I know the value of dental  insurance. Much like NetQuote, DentalPlans.com  allows you to choose from over 30 top-quality national and regional discount dental  plans for the dental insurance  you need. Having a resource at your fingertips to see, evaluate, and choose the plan that best for you is priceless.
While you’re at it, NetQuote also offers those of us watching our dollars and pennies home, health, life, and even renters insurance  quotes – multiple quotes – again without having to deal with multiple phone calls or multiple agents. I don’t know about you, but when I can have all the information mailed or emailed to me so I can make the best choice without the pressure of buying, I feel much better about my decision. That’s why I like Netquote for my insurance needs. Plus it is ridiculously easy, fast, and smart to get the multiple quotes when you have the option.
Now’s the time folks, we may never see rates this low again. I know, I know, you’ve been hearing that phrase for a couple of years now, but it IS true. With the amount of debt we’re being saddled with from Washington DC, inflation is a certainty in our future. Why not use ato get a lower rate now so you can pay less in the future with those devalued dollars?
We live in a wireless world, interconnected to each other by electromagnetic wavelengths we cannot see but CAN hear. The cellular world has become much more commoditized and as a result, the different provider’s offerings are getting more and more similar. By using a service like LetsTalk , you and I can easily compare rates between the different providers (AT&T, Verizon, T-Mobile, etc) and see if we’re really getting the best deal for our usage levels. LetsTalk  even has deals to get free cell phones , even a new Blackberry Pearl  with ANY of the major carriers.
Whether you’re shopping for full spectrum daylight earth bulbs  or for a smart power strip  or a 7 day programmable thermostat , shopping for energy saving items is a no brainer. Be sure and figure your break-even point, though. If you can save just $1 per month, in electricity, a CFL bulb is worth it after 2-3 months, the power strip after 36 and the thermostat after 43, but I’d be willing to bet you’ll save a lot more than just one dollar.
I’m not a big fan of credit cards  but I do understand their necessity and the incredible convenience they provide. I personally advocate paying 100 percent of your balance each and every month. If you’ve made the commitment  to get your credit card  balance to zero, you can pay it down MUCH faster with a better rate. Just be extra vigilant that you don’t run up more debt just because you now have an old card with nothing on it.
|Discover® More(SM) Card Issued by Discover|
If you pay off your credit card balance in full each month and don’t need to transfer a balance, you may find that a rewards card is much better. In those cases, a “charge” card that pays rewards may be the best bet.
We’ve spent the past two decades learning how to shop so we might as well use those skills to help us ease our recession worries and save some cash in the process! Shopping can be fun when you’re shopping to save money. What you do with your savings is up to you, but I’d recommend putting it into an emergency fund , saving for your retirement, or for your children’s college education  if it were me.
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 stress: http://www.thewisdomjournal.com/Blog/?p=342
 emergency fund: http://www.thewisdomjournal.com/Blog/emergency-fund/
 savings account: http://www.thewisdomjournal.com/Blog http://www.thewisdomjournal.com/Blog/go/savingsaccount.php/
 car insurance: http://www.thewisdomjournal.com/Blog/insurance/#car-insurance
 Get FREE car insurance quotes from multiple providers like Travelers, Allstate, State Farm, Nationwide, Farmers, the Hartford and Liberty Mutual: http://www.thewisdomjournal.com/Blog/go/car_insurance.php
 dental: http://www.thewisdomjournal.com/Blog/go/dental_insurance.php/
 DentalPlans.com: http://www.dpbolvw.net/click-2864384-10458374
 renters insurance: http://www.thewisdomjournal.com/Blog/go/insureme.php/
 LetsTalk: http://www.anrdoezrs.net/click-2864384-10281268
 free cell phones: http://www.kqzyfj.com/click-2864384-10606632
 Blackberry Pearl: http://www.dpbolvw.net/click-2864384-5934731
 full spectrum daylight earth bulbs: http://clickserve.cc-dt.com/link/tplclick?lid=41000000027692491&pubid=21000000000182822
 smart power strip: http://www.thewisdomjournal.com/Blog/go/amazon.php?asin=B0006PUDQK/
 7 day programmable thermostat: http://www.thewisdomjournal.com/Blog/go/amazon.php?asin=B000ALGM24/
 credit cards: http://www.thewisdomjournal.com/Blog/credit-card-information/
 commitment: http://www.thewisdomjournal.com/Blog/?p=213
 Image: http://www.cardoffers.com/manage/track/e.asp?ID=100535299
 travel: http://www.thewisdomjournal.com/Blog/go/travel.php/
 college education: http://www.thewisdomjournal.com/Blog/go/college-education.php/
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