According to the Bureau of Labor Statistic Americans spend $1,700 on average clothes each year. This guide will help you make most of every dollar you are willing to spend thus saving your budget. With a bit of planning and implementing these thrifty tips you can up to $100 each year on outfits, your family may need.

  1. Purchase and pay with Cash only

If you are that person that is used to purchase and spend more than you had planned the best option is to stick to cash only. It hurts more and is tangible to hand over the actual cash than swiping the plastic credit or debit card. You will be able to save more as there is a very clear limit on the amount you have in your wallet. Avoid credit cards if you know you can’t control yourself from purchasing almost everything in the store that is appealing to your eyes.

  1. Shop the Men’s or Kid’s Section

Women’s outfits are usually highly priced than kid’s and men’s garments. If you are a lady looking for an outfit that is universal to everything e.g. a hoodie or a T-shirt it’s best if you look at the Kids and men’s ‘ section first.

  1. Swap with friends

Most of us have outfits in our home that we don’t wear often. You can invite a friend to swap clothes that you don’t like or wear which is a fabulous craze. You can also hold an outfit swap party. Ask your friends to pull out garments they don’t wear and invite them for clothing swap party to trade the items. In this way, you are able to get rid of garments you weren’t happy about and gain some clothes that you might wear at no cost. It’s a great way to receive some new clothes without spending anything and in the process, you get to meet your friends.

  1. Don’t buy it because it’s on sale

Do you always see a piece of the outfit in the shop and it’s tempting to purchase? Don’t purchase something because they are on sale unless you really need them. Before you purchase that outfit considers whether you really need it at that time or whether it would work out with some of your outfits in the wardrobe. Otherwise, it’s not worth purchasing.

  1. Buy one really awesome swimsuit

If you are planning to go for a vacation and you are tempted to carry all the fun outfits that doesn’t cost too much. You should know in the long run cheap outfits end up costing more and may end up being stretched, sheared or sagged before you even realize it. Rather you would purchase a quality well-made swimwear that will last for long years.  And to maintain it after wearing you can rinse it with cold water to clear off the sunscreen, other oils, and lotion. Then allow it to dry in the sun. And for sure it will last more than 3 years even without purchasing another one.

  1. Only buy what you can actually pay for

If you know you cannot afford a piece of an outfit its best to avoid it.  Buying outfits with cash will help diet yourself from spending a lot.

  1. Don’t be afraid to shop in thrift stores

You can find most enduring outfits in confinement and thrift stores which offer clothes at an outrageously low price. It’s advisable to try the outfit before buying them.  Make sure they fit by walking around, sitting and standing with them. If you love the stunning outfit and it’s almost exemplary splendid you can take it to the tailor to adjust it. But, if it is unpleasant to the eyes you can skip on purchasing it. Visiting a thrift store won’t make you strike gold but it’s the best place for treasure hunt without spending much of your money. You can find much less expensive outfits in a thrift shop if you are so much determined to get a bargain.

  1. Repurpose old clothes

If you are handy with a thread and needle you can improve your old garments by trimming them and adding a stunning embellishment or transforming it to into a usable accessory.  Jeans trousers with holes in the knees can be used to make shorts; shorts for little boys can be used to make superb skirts for little girls. People with sewing skills can transform, adjust or alter the outfits to provide another use for it.

  1. Check the tag before you buy

It’s usually advisable to check the label and price tags. As they reveal what the materials the garments are made of, the place they are made from thus helping you now which outfit will last for long. Read the tag before you purchase any outfit because if you purchase dry clean only outfit you’ll end up paying more every time you pull it up to the cleaners.  Make sure you always check the labels and price tags so as to get every penny you can get out of them. Save by sticking to machine washable outfits only.

  1. Find Coupons Online

There are many coupon apps that you can download that will help you save money. Coupon app like Sherpa allows you to look for coupons for restaurants and retailers to help you track when they have special offers. Examples of the coupons app that you can download from your android or iPhone Smartphone are Shooger, Yowzam Coupon Sherpa, and Coupon Closet. Use your Smartphone to check and find garment coupons before you purchase any outfit. Yowza is also a free app that can help you look for stores that are near you which offer the coupon on their garments.  You can also use sites like or, to look for coupon codes before you purchase anything from the online stores.

If you endorse the policy of purchasing quality, better clothes, fewer outfits, and caring them appropriately your garment could last for long years depending on how much time you wear them thus reducing your budget.

vehicle-affordable-quoteComparing prices on car insurance can literally save you hundreds of dollars if not more a year. When you compare car insurance you have to keep a few things in mind to make sure you get the plan that you need and the coverage that you want.

Value is the key. It is always nice to save money but you want to save money on the right type of product. In other words cheaper prices are not always the best value. To get the best value you need to shop for a plan that meets all your needs AND that comes from a reputable carrier.

Reputation Speaks Volumes

One of the key components of finding an affordable valuable plan is to compare plans among reputable insurance carriers. Reputable carriers offer fast claims processing and are user friendly. That means you get the answers that you need from the carrier and can easily discuss your plan with the carrier. It also means that their claims processing is met with a high customer satisfaction rate.

Finding the right carrier can be as simple as reading online reviews and taking a look at the Better Business Bureaus rating.

 Type Of Coverage

Comparing prices on car insurance is simple once you decide the type of coverage you need. For example if your vehicle is financed (you make a monthly payment on your car to the bank or finance company) your finance company may require that you have “full coverage”. Full coverage usually offers theft,fire and collision coverage.

Your state may have certain “limits of liability” that you have to meet.  Understanding what you have to have can make comparing your options a lot easier. Each carrier typically offers full coverage and liability coverage.

Most carriers also offer ala carte type options where you can add on things to your plan like towing a disabled vehicle or rental car coverage if you are in an accident. Of course all of the extras cost extra so it is important that you carefully compare your options.

 The Value

When you are comparing car insurance options you will notice that many insurance carriers offer similar plans for about the same cost. The value is in the additional coverages that are included and the amount of deductibles that you will have to pay.

Comparing prices on car insurance is all about getting the most bang for your buck!

Read more on these sites:

Msn Money – compare prices according to the brand

Sammenlign priser på bilforsikringer – The site is in Danish but worth reading. Using Google Translate if you need to translate the site.

car-accidentAre you ready to save on car insurance? If you have been over paying for your car insurance now is the time to do it! Do not continue to pay more than you have to. A lot of people pay more on their car insurance because they are not aware that they can be saving a lot of money. This is the reason for sites like Esurance, Money Supermarket, Rate City (Australia), and Bilforsikring (Denmark)

In this economy every bit of money counts. Even if you are in a good financial position why would you want to give the insurance company more than you have to? Paying more money for car insurance than you have to just does not make any sense.

Good Values

When you save on car insurance it does not mean that you have to give up the quality of your plan or policy. There are numerous carriers that offer car insurance and they want your business. These carriers offer many of the same coverage so why pay more.

Carriers will fight for your business by lowering costs when they know you are comparing plans. Lets face facts if a carrier can get more money out of you than that is exactly what they will do. If they have to lower their rates to get your business than that is what they will do as well.

You can find great values when you shop for car insurance instead of just accepting what a carrier offers you. Good values come from plans that offer excellent coverage, have a great customer service team AND help you to save on your car insurance.

Put Yourself In The Driver Seat

It is time to take control of your finances starting with paying less for auto insurance. Historically car insurance was sold to you without a lot of discussion or comparison. Basically consumers were at the mercy of the insurance companies.

Allowing the insurance companies to set the pace is not how things are done anymore. Today the consumer is in the drivers seat. You can direct the car insurance companies and let them know what you want and what you are willing to pay for it!

Taking the drivers seat and saving money is a powerful move!

How To Save

It is simple to save on car insurance! All you have to do is compare options and decide which plan is best for you! It takes a few minutes to save some big money!

When anything comes related to gas savings probably car owners are the most interested group of people to listen to it. With the constant increase in oil prices car owners are badly in need of ways how they can save money on gas consumption. This write up will help you to reduce gas consumption and to save money in the process.

  • Cars with bad engine condition need more gasoline to run on the road. So always have your car tuned-up. Following vehicle maintenance guide will help your carís engine to perform efficiently. Clean air filters will enhance fuel utilization and consequently your fuel mileage will increase up to 10%.
  • Always try to maintain a steady speed when driving. Stopping every now and then enhance your gas consumption by as much as 30 percent. Be gentle on your brakes and gas pedal. Abrupt increase in speed or sudden hard stops can make your car to consume more gas. Use ìcruise controlî while driving on the highways in order to maintain a steady speed. When you have option in hand avoid heavy traffic areas. This will also help you to maintain a stable speed and gives you relieve form using clutch frequently.
  • It is always a wise idea to go to gas stations early in the morning or at late night for purchasing gas. You will always avail extra for your cash if you use these cool hours while purchasing gas.
  • Try to keep the air resistance at a minimum level while driving at highways. So it is advisable to close your car windows at highways which will create a better aerodynamics and reduces the drag on your car. Open windows, even if you keep it marginal cause extra friction and reduce your mileage.
  • Minimum use of air conditioner is always helpful to save gas. So try not to use air conditioners when possible; rather concentrate more on using your carís vents. If you really have to use air conditioner try to set it at the lowest possible level. Never ever operate your air conditioner with car windows open.
  • Do not keep your engine on when sitting idle in long traffic. If you need to wait longer than a minute itís better to turn off your engine. Your car will use same amount of gas while restarting as it would use if you seat idle for more than a minute.
  • *Don’t fill up your car’s trunk with unnecessary stuffs. It will increase the total weight and heavy weight consumes heavy gas.
  • Check the air pressure of your car tires regularly. Properly inflated tires save fuel better because it creates less friction while run on roads.
photo by: lemonjenny