Category Archives: Ways to Save Money

Easy Tricks to Save Money on Wedding Gowns

This post, which is contributed by an outside writer, is brought to you by JJs House.

Great tips! My BFF just got engaged--pinning for when she goes wedding dress shopping!

Every bride wants to make her wedding day extremely special. She tries to manage everything within her wedding budget. But there’s one thing most brides don’t like to compromise on: wedding dresses.

Fortunately, you can find beautiful wedding dresses at an affordable price. You will need to strategize ahead of time so that you have plenty of time to plan out all the small details. To make your search easy, get an idea of a budget for your wedding gown. Then sit down with these ideas that can help you in the selection of a beautiful dress within your budget.

A Beautiful Trunk Show

If you are crushing on a particular wedding dress, choose a trunk show. In trunk shows, designers highlight their new or current collection at bridal boutiques. These boutiques list their shows in advance, so you can easily shop dresses for your wedding.

While scheduling your appointment, you have to ask the greeter about purchase incentives. In this way, you can get bonus items for free while you buy a beautiful dress. Incentives can be a veil or a unique wedding accessory. You have to do your research before going shopping to make this process easy.

Try Rented Dresses

If you can’t buy an expensive wedding dress because of your tight budget, you can consider renting this dress. There are tons of sites out there that allow you to rent a dress, searching within your budget.

You can rent a wedding dress for almost eight days for $525 or even less. Many times you’ll find high-profile designers for rent on these sites. People wear the dress once and then try to recoup some of their expenses by renting out or reselling the dress.

Make sure to read the terms, conditions, and policies before you borrow a dress. Confirm any payment plans so you don’t accidentally miss a payment.

Pre-loved Wedding Gowns

If you love a designer wedding gown and it is out of your budget, you can consider alternative options. Used bridal dresses are readily available, especially with sites specialized in re-selling designer gowns. You can wear a wedding gown for only once and only for a short time–at least in a way that’s socially acceptable. Reselling is a more practical choice than paying a bunch of money to store it in your attic for some hypothetical grandchild who won’t want to wear it someday.

With you purchase a used wedding dress, you can wear a wedding gown from your favorite designer at a good discount. Or, if you purchase the dress new, you can resell the gown on the market after your wedding to recoup upwards of 70 to 75 percent of the purchase price.

Select Must-Have Items

Start shopping based on the elements on your wish list and eliminate pricey or less critical items. Select a must-have or focal point item for your wedding dress to control your budget while widening your choices. Shop your wedding dress with an open mind. Consider a sequined bodice with a beautiful skirt instead of intricate lace gowns. You can up the glitz by instead accenting with unique jewelery and shoes. You can even browse bridesmaid dresses to find a white gown for your wedding. These options can be affordable for anyone.

 

10 Car Insurance Discounts You Should Ask For

Truly psyched for this. Going to be calling up my insurance agent to talk about the marital, good student and my car is awesome discounts.

Car insurance is such a pain in the butt. I’m glad it’s required if you have a car. Otherwise we’d probably have Oedipal temper tantrums a lot more often–and we all know how that ended.

If you don’t know how that ended, no worries. It’s a reference to Sophocles’ Oedipus Rex. The main character, Oedipus, did lots of really bad things unwittingly. The first was killing his father in a fit of road rage. Maybe if he had been able to call his agent they would have been able to assess and fix the damages without anyone dying, and the fulfillment of the grim prophecy could have been avoided.

The point is, there’s only so much you can do to lower your rates without forfeiting coverage. So I’ve compiled a list of discounts your insurance company may or may not be letting you in on.

Next time you talk to them, ask.

Keep in mind that discounts vary from state-to-state as well as from company-to-company.

Good Student Discount

Your agent may not know to offer you this one. Especially if you’re not of traditional college age. But it’s really simple: Meet certain GPA requirements, get your premiums lowered.

Bundle to Get Discounts

Carrying policies with four different agencies?  Bundling them with one may save you a bunch of money.  Renters, valuable personal property, homeowners, etc.

On top of carrying multiple insurance policies with one insurer, your insurance company may be linked with a bank. Holding a financial account with them may lower your premiums or up your interest rates on your growth accounts.

Go Green

Many companies are now offering a discount on your premium if you elect to receive all of your bills, statements, and other paperwork electronically.  Not only are you saving the planet, but it’s a lot less of a hassle than shredding and recycling.

Age

Usually this discount is applied every renewal period where it is applicable.  Some states and companies give you discounts for getting older and more experienced every time your policy renews–especially if you’re a young man or have a young man on your policy. Talk to your agent to make sure you understand how this is calculated on your specific policy.

Marital Discount

Some states and companies lower premiums if you get married.  Take special care to mention this fact to your agent if you and your spouse aren’t on the same policy.

Though you really should be. Being on the same policy is almost guaranteed to save you some cash.

Vanishing Deductible?

Vanishing Deductible plans sound A-MAZING, right?

The idea is that for every premium period you go without getting into an accident or anything like that, your deductible goes down by some amount–say $100. Over a 5 year period for a pretend policy that renews every 12 months, your $500 deductible can decrease to $0.

This would be really great, if the insurance company didn’t charge you more on your premium to carry the benefit. If you have vanishing deductible, check and see how much you are being charged for it. You may find that it’s better to pay the lower premium and keep the higher deductible.

Low-Risk Occupation

Tell your insurance carrier what you do for work. Your job can say a lot about you, and for people in meticulous fields, that means lower rates.

Why?

The carrier figures if you’re meticulous at work, you’re probably meticulous behind the wheel, too. Some of these occupations include pilots, artists, scientists, actors, engineers, and teachers.

Some companies even offer lower premiums if you work at home and therefore don’t use your car as often.

If you’re not in the list above, still talk to your agent. It’s by no means all-inclusive.

Oh, but you might not want to tell them what you do if you fall into this list:  doctor, lawyer, judge, real estate broker, business owner, architect, or social worker.

These have all been pinned as professions that have their professionals work unreasonable hours in high stress positions. Not so great for safety behind the wheel.

Defensive Driver

Complete a course in defensive driving, and you could save a good bit of money on your premium. It’s applicable in Pennsylvania, and courses around here are generally around $30. Some can even be taken in your home.

Make sure to talk to your agent first. For oh, so many reasons. First of all, the discount may not apply to you even if you complete the course. Each state and company is different, but in some states there are age restrictions to the discount.

The second reason is that you could get a double discount. Your insurance company will lower your premium if you take and pass the course, and some insurance companies can even help you lower the price of the course.  So you get to take the class you’re taking to get a discount at a discount.

Genius.

Do you belong to any groups?

So many groups have discounts with so many insurance providers. If you have ever been in a fraternity, sorority, professional organization, the military, a member of a credit union, or a federal employee, odds are there’s a discount for you.

Oh, and you work for someone, too?  You may even be able to get a discount just for working with your employer.

Exercise your brain on this one. Any organization you belong to could be saving you  money every month.

Your Car is Awesome Discount

Give your agent a call and review with them all the nifty safety features that your car has.  They should have done this with you when you signed up for the policy, but checking up never hurts.

Have airbags? There’s a discount for that.

How about anti-lock brakes? There’s a discount for that, too.

And those are just the first two common features that came to mind.

What other discounts can my awesome readers tell me about?

Free Entrance to National Parks in 2019

This is incredibly useful and is going to save me some money! It tells you how to get into national parks for free--in the US and Canada.

Over four hundred of America’s national parks are free everyday.  But 118 of them aren’t.  Luckily, the park system does offer free days, so you can go enjoy our beautiful country while remaining completely and totally frugal.

National Park Free Entrance Days for 2019

In 2018, the National Park System dramatically cut back on the number of free days. This year things are marginally better, with five free days instead of four–though prior to the 2018 change there were weeks worth of these free admission dates. While things are moving back in the right direction, if you want to visit on a free entrance day, you’re going to have to plan a little more carefully.

Martin Luther King, Jr. Day

Fees will be waived on January 21, 2019 in honor of Martin Luther King, Jr. Day.

First Day of National Park Week

Before 2018, there were five free days in the month of April recognizing National Park Week. Ever since last year, though, you only get in for free on the first day of the celebration. This year, that date is April 20, 2019.

National Park Service Birthday

This is the fifth free day added by NPS this year. To celebrate the National Park Service’s 102nd birthday, you’ll be able to gain free admission to parks on August 25, 2019. There’s even word of some fun activities on this day, so keep your eyes open!

National Public Lands Day

Admission will be free on September 28, 2019 in honor of National Public Lands Day.

Veterans Day

You can get into national parks for free in celebration of Veterans Day on November 11, 2019.

Which National Parks require an entrance fee?

I’ve been lucky to travel a good bit in my time. National parks always bring such a sense of awe and wonder. It’s one thing to wander around in the woods in your backyard. It’s a completely different thing to spend time in pristine, protected wilderness.

Some of my favorite national parks that will be waiving their fees on free days are:

There’s a ton of others, too. I was surprised to find the ones in my own back yard that I never knew existed. To find some near you, you can check out the National Park Service’s website.

Free Entry to National Parks Year Round

If you fall into any of the following demographics, you can get a free national park pass. You only need one per vehicle to get into the park, so if anyone in your family falls into one of these categories, you could theoretically get the entire clan in for free.

  • You are a US citizen with a documented disability.
  • You are a 4th grader. Eligibility starts on your first day of fourth grade and ends on your first day of fifth grade.
  • You are a member of the military or a military dependent.

You can learn more about each of these programs here.

Free National Park Admission in Canada

In 2017, Canada was giving away free national park passes in honor of their nation’s 150th birthday. That program has ended, but there are still a couple ways to get in for free.

The first is via a Cultural Access Pass. These are reserved for those who have become Canadian citizens in the past year.

A new program was rolled out in2018 that allows anyone under 17 years of age into national parks for free. It continues in 2019. Find out more about the youth program here.

 

We’d love to hear about your national park experiences! Tell us about them in the comments section.

Free Rides Home to Prevent Drunk Driving

Sending this to my friends---free rides to prevent drunk driving!

I had an interesting conversation with my Japanese friend while she was visiting a few years ago. We were driving through an area laden with bars and night life.  Which can be a fun area if drinking is what you’re there for.

But that wasn’t what we were there for, and it got us talking about drunk driving. I related the lives I’ve known that have been lost to the horrible mistakes of both themselves and others while under the influence and behind the wheel. I lamented the lack of consequences for those who do drink and drive.

She looked shocked. “It is not like that in Japan. If I did that, my father would lose his job.”

Hell, yes, Japan.

Costs of Drunk Driving

Our system is way too lenient. But that doesn’t mean there are no consequences. Here’s some of what you face if you do drive drunk:

  • A night in jail.
  • Bail money.
  • A fine.  And a big one. They get bigger the more offenses you have, but the first one is nothing to laugh at.
  • Possibly extra time in jail. Upwards of six months.
  • A misdemeanor on your record.
  • Might have to attend AA.

Honestly, a DUI with its accompanying consequences would be good news. The fact that the cops caught you means that they got your drunk butt off the street, preventing you from killing someone else.  Or yourself.

Free Rides Home When You’re Drunk

Believe it or not, there are quite a few ways to get a free ride home when you’re drunk–especially on major holidays. Here are some of the best:

Cheap and Frugal Alternatives to Driving Drunk

Maybe you can’t get a free ride home, but you can use one of these options instead. Every single one of them is a heck of a lot cheaper than a DUI:

  • Public Tranport– This one is best if you plan to use it before you leave. On New Year’s and other holidays, cities usually leave their public transport open much later than usual so you won’t have to drive at all.
  • Sober Rides– AAA has created a compilation of programs across the country that offer DD services. They do charge a fee, but most of them not only drive you home, but also send a second driver out to get your car home, too. Check them out here.
  • Tell Siri you’re drunk. She’ll immediately offer to call a cab for you.

Cheaper Than a Funeral

Even if you pay for a super long, super overpriced taxi fare and get your car towed, the costs will still be less than that of the average funeral: $7,000. And that’s if only one person dies at your hands, not including additional damages awarded in the sure-to-happen law suit and the deep, painful remorse you’ll experience for the rest of your life.

It’s okay to have fun–as long as you’re responsible.

I hope everyone has fun time tonight–truly!

But I hope even more that you’ll do so responsibly.

 

 

Cheapest Ways to Rent a Car & Get Discounted Accommodations

I had never heard of this trick before! She really did find the cheapest way to rent a car.

Now that it’s almost Christmas, wanna hear what I was up to over Thanksgiving?

The short answer is I was traveling. The long answer is I’m going to tell you all about the fun and the ways I made it more affordable over the next couple of weeks.

Today we’ll cover a basic overview of where I went, how I got there, and how I paid for accommodations.

Thanksgiving at the Beach

This year, Thanksgiving happened at the beach. Fort Meyers Beach, Florida, to be exact. It was absolutely gorgeous. The water was warm. The sand was white. The beaches weren’t crowded, and there wasn’t a hurricane in sight.

On the way home, we made a stop in Orlando to visit Disney World again, but we’ll get to that in another post.

My money lessons from last time we went to Disney can be found here.

Finding the Cheapest Car Rental

As I was trying to decide what the most cost-effective way of traveling would be this time around, I did some math and decided driving would be cheaper than plane tickets. The only problem? We didn’t have a vehicle big enough to get everyone and everything down there. So I started looking for a car rental.

I scoured plenty of sites. Renting a car is an expensive venture, but it was still going to be cheaper than plane tickets. After getting pretty much the same results everywhere, I finally found a booking site that got me in the door for over $100 less: AutoEurope.

The way it worked for our trip was like this:

First, I went to AutoEurope and did a search.

Then, they showed me the best options for my needs and dates of travel, connecting me with a bunch of local rental places. The best option ended up being with Budget. Budget had been listed on the other sites I searched, but at a much higher price.

I looked into my affiliate network, and AutoEurope was on the list. I was fortunate in this way. They ended up giving me a coupon, making the rental even cheaper than it already was.

We ended up getting a Ford Explorer, which had room for all the people and things. It was an easy vehicle to drive and had all the bells and whistles we needed (and some we didn’t!)

Gas

Gas was another added cost of getting down there. Luckily for us, the further down the East Coast you go the cheaper gas gets. You can actually follow along with the lowering of gas prices and then watch them as they rise as we go back by following me on Instagram. In between, I’m featuring photos of the beautiful things we got to experience while it was snowing back home.

Accommodations

Getting to Florida was more than a one-day drive. We needed convenient places to stay overnight. Because I had Airbnb credits, I was able to book two amazing places that were right off the highway in super safe neighborhoods. One was an entire house, and the other was a basement suite inside someone’s house with a backyard fully accessible to us. It was so much better than staying in a hotel, and with the credits, I only spent $30/night total.

If you want to get started on earning Airbnb credits, too, this referral link will get you $40 off your first stay.

Accommodations at Fort Meyers Beach

Because we were visiting during the off-season, accommodations at the beach were crazy cheap. Like 50% off what you would spend at peak season. Plus, I got 10x points through a promotion Hotels.com is running with one of my credit card carriers.

Hotels.com also gives you one free night after ten paid nights. I’ve almost reached that point, so I’ll be getting a free stay sometime soon.

Accommodations in Orlando

I’m super lucky and have a family member who has a time share in Orlando. Like the last time we visited, they were gracious enough to gift us a week stay there. I’m so, so grateful. Because of them, we were able to stay for free.

What did I do in Florida?

So much. I’m excited to tell you about the funnest parts in the coming weeks. Be sure to check back or subscribe to the newsletter to receive notifications!