Save Money on Your Next Car

Save Money on Your Next Car

Today’s guest post is by Barney Whistance.

Buying a car is a big decision. There’s much to consider. You have to decide which make and model you would prefer to buy, how good its resale value is, how economical the car would be for you. As you are weighing all these pros and cons you are also planning your budget for the automobile. There is no denying that vehicles don’t come cheap. Therefore it’s necessary you make a choice that suits you perfectly.

 A car that will last you for more than 150,000 miles without giving you major maintenance headaches is a good investment.  How many miles do you drive in a year? Some drivers might hit 150,000 in a matter of 5 years, and some aren’t even to 100,000 after 10 years.  Cars vary widely in fuel efficiency, which is why you should prefer to have a cheap but stable option. There are many things to consider when deciding on a budget, your method of payment, and your car model and manufacturer. Here is what you need to do in order to get the best deal and get the most out of your next car or truck.

Bargaining on the Internet:

You can buy just about anything on the internet today: a holiday gift, a stationary set for your office, your groceries, and yes, even cars. The Internet can be a convenient way to get the best deal on your car. This is because most sales people on the internet are hired on a salary and earn bonuses on volume instead of commissions based on the sale prices. This means that these people will have the incentive to give you the best price to make a sale.

Bidding War:

When purchasing a car, have as many options available as possible. When you are selecting a car dealer, talk to every dealer in your area that sells your preferred make and model. Then ask them to pitch you their best deal. Make a point in telling the dealers that you have also received offers from other dealers. This might even get them to give you an even a better deal. The offer could be in your budget or over. But a lower offer does not mean that you take their offer at once; take some time to think about and then make your decision.

Right Timing:

Don’t always go for this year’s model.  Dealers are under pressure to clear their sales floors of last year’s stock.  Not only will you save thousands, but you will also have a better opportunity to get more consumer reviews and feedback on the car’s performance. Two to three months after the new models come out is when prices start to drop on the previous year’s models.

Trading In Your Car:

Lastly, keep your car for as long as possible. Don’t trade your automobile after only a few years. Cars are one of the fastest depreciating assets on the market. Their values decrease as soon as you drive your new car off the dealer’s lot to your house.  Reap maximum benefits by owning it for as long as possible. When the car starts giving you more trouble than you can afford, only then plan on selling it. Most times, you will get more for your old car when you sell it to an individual versus trading it in at the car dealer.

Having a new car is a luxury that not all can afford, so make the best use of it. Purchase it with proper research on the car models and the deals you are getting on it. Pay cash if you can!  If not, put as much money as you can as a down payment and finance the rest for the shortest period of time that you can reasonably afford.  Remember, it is a financial decision that you and your family will have to live with for some time.

Barney-Whistance

Barney Whistance is an enthusiastic Finance and Economics blogger who is most interested in global economic climate. Apart from doing majors in Finance, he is also a Chartered Accountancy Student and planning to complete his Ph.D. in Finance before he turns 30. You find him here on Twitter.

Love Your Pet Giveaway

The Love Your Pet Giveaway! 2 Winners! Ends 1/26

Deliciously Savvy is hosting a giveaway for all the pet lovers out there!  Those of us with pets know that they are like kids to us.  Our cats, Peanut and Little Tiny have been a part of my family for 13 years.  And we love to spoil our fur babies!

There will be 2 winners in this giveaway (One 1st place winner and one 2nd place winner ~ TRV of $80). Enter Today & Good Luck!

Sponsored By:

&

Hosted By: Deliciously Savvy

Co-Hosted By:

Amy & Aron’s Real Life Reviews // Your Strong Tower // Moms Gone Nerdy // My Silly Little Gang // Oh My Heartsie Girl // Best MMORPG 2017 // Heartbeats ~ Soul Stains // Michigan Saving & More // Capri’s Coupons // PaulaMS’ Giveaways, Reviews, & Freebies

PLUS a Big Thank You to all blogs that are helping to promote! We can never do it without each and every one of you!

The Details:

2 Lucky Winners For This Giveaway! 1st Place wins a Pair of HandsOn Bath and Grooming Gloves ($25 RV) PLUS a Pet Giftbox (for either a cat or dog) full of treats, toys and fabulous products for your furry BFF ($30 RV). 2nd Place Winner will receive a Pair of the HandsOn Bath and Grooming Gloves ($25 RV)!

HandOn Bathing / Grooming Gloves (1st & 2nd Place Winner $50 TRV)

Pet GiftBox ~ Subscription Box for Cats or Dogs! Customize it to fit your needs! (1st Place Winner Only $30 RV)

And Now The Giveaway!

Giveaway Dates: 01/04/2017 9PM EST until 01/26/2017 11:59PM EST

Entrants must be 18 years old to enter and giveaway is open to US residents only.

Any Questions Email Me At mcushing7 (at) hotmail (dot) com.

This giveaway is in no way endorsed, affiliated or associated with Facebook,
Twitter or any other Social Media Networking Site. This giveaway is valid only
in the United States. Entrants must be 18+ years of age to enter.
This giveaway will end at 11:59PM (EST) on 01/26/2017.

Good Luck! Enter Below

Also we all “love it if you like us” on Facebook!

By Supporting Our Blogs Via Social Media You Are Helping Us To Provide Fabulous Prizes For Amazing Future Giveaways! Good Luck & Thank You!

Deliciously Savvy did not receive any form of compensation for this giveaway other than receiving this above items in order to facilitate my review. Once winner is selected via the Giveaway Tools process, the product will be shipped. Winner has 48 hours to respond or another winner will be chosen. No other blog associated with this giveaway is responsible for the product shipment. The Various Sponsors Above will be providing the prizes above to the winners. Thank You for stopping by! Any Questions or Concerns email me at mcushing7 (at) hotmail (dot) com.

If you have any questions or are a brand/company and would like to work with Deliciously Savvy please contact us here.

As Always…. Thank You For Visiting Deliciously Savvy Today and Leave Some Comment Love While You Are Here!

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The Cure for Money Headaches

Today’s guest post is by Barney Whistance.

Planning a solid financial present is centered around four basic stages of financial management; creating an emergency fund, paying off debts, saving for larger long term goals, and investing in your financial future. Any sound financial plan also includes planning, foresight, and budgeting to get in the clear.

Here is a breakdown of the four stages of financial management that will get you on track to reach all your personal financial goals and dreams.

 

Cure for Money Headaches

Build an emergency fund

Your first step to eliminating money headaches will be saving enough for an emergency fund. This will give you and your family peace of mind to handle much of what life may throw at you in the coming years. This initial savings goal should include enough money to get through at least three months of living expenses in the event that you get laid off or have some other type of emergency, like a car or water heater breakdown. Even if you can’t get this saved straight away, keep it as a target to aim for. Also, make sure that the money is in an easy to access account. In an emergency you will need instant access to these funds. If you have not done so yet, create a workable monthly budget, with a line item for saving.   Tuck away as much as you can each month to stock up your emergency fund as quickly as possible.

Pay off debts

Debts are liabilities. They throw your finance in the red and set you up to pay more than the actual amount of the loan in interest payments over time. The second step, then, in creating a workable long-term financial plan, is to eliminate consumer debts completely. Throw all of your resources at your debts and you will be saving a large chunk of money in interest over time that you can then apply towards other parts of your plan.

When it comes it debts it makes sense to tackle the ones with the highest interest rates first. This usually starts with any retail credit cards you may have, and then goes on from there. Just make sure that you don’t neglect the minimum payments on your other loans and debts while you pay down the first. Any budget you have should include at least the minimum monthly required payments on all of your loan agreements.  Bank credit cards, student debts, and other personal loans should also be on this list. 

If you’re facing heaps of student debt in addition to credit card and personal loans, examine your loan types and current occupation to determine if you qualify for federal loan forgiveness or other types of loan reductions due to your career of choice. Government employees, teachers, those working in the non-profit sector, and certain healthcare workers – like those working in critically identified facilities, community clinics, and hospice care support settings – can qualify for loan reductions or even forgiveness after a period of two to ten years.

Currently, only about one percent of the 33 million people employed in the non-profit and government sectors are benefiting from the Public Service Loan Forgiveness (PSLF) program. Check into the Federal PSLF and the Health Resources and Services Administration (HRSA) Health Professional Shortage Areas (HPSA) debt reduction programs to see if you qualify.

Build up your savings

Once you’ve built up your emergency fund, and paid off your consumer debt, you can concentrate on funding additional extras and loftier goals. These immediate savings goals might include:

  • Having enough money to go on a vacation and not have to worry about bills.

  • Saving up some extra cash to have on hand so you don’t have to worry about finances during maternity or paternity leave.

  • Putting together a down payment on a house or other property.

  • Buying a car with cash instead of taking out a loan.

 

Invest

The last stage of the journey is to ensure that you are putting money aside each month for important long-term goals like your children’s college education, pension plans, retirement savings accounts, and other long-term investments.

Consider diversifying your investments into physical properties. You don’t have to have a ton of money to break into the property market. With the explosion of crowd-sourced real-estate funding, like Fundrise, CrowdProperty, and Exceedant, just to name a few, you can now invest in part of a property or development project with as little as $20 and earn as much as 12 percent annual return. Diversifying into property investment early on is a great way to maximize your earnings over time.

 

Barney-Whistance

Barney Whistance is an enthusiastic Finance and Economics blogger who is most interested in global economic climate. Apart from doing majors in Finance, he is also a Chartered Accountancy Student and planning to complete his Ph.D. in Finance before he turns 30. You find him here on Twitter.

Falls River Soap Company Deluxe Gift Basket & $100 Amazon Gift Card Giveaway

Welcome to the Falls River Soap Company Deluxe Gift Basket & $100 Amazon Gift Card Giveaway!! 

Hosted By

Amy & Aron’s Real Life Reviews

Sponsored By: 

Falls River Soap Company

~1 Winner~

Open to US

12/02 (12am) to 12/16 (11:59pm)

~Prize~ 

 1 Deluxe Gift Basket $100 Amazon Gift Card
A special shout out to my awesome co-hosts for this event 
Deliciously Savvy IMHO Views Reviews and Giveaways~ Michigan Saving and MoreInezbyDesign~ Heartbeats ~ Soul Stains~ Dorky’s Deals~ Finding Sanity in our Crazy Life~  Just Happiling~ Babushka’s Baile~ Your Strong Tower

 

Thank you to all of the bloggers promoting this giveaway. All of our giveaways are so much fun when we do it all together.

Don’t want to wait for the giveaway to end to do some holiday shopping?

How about something until then?15% OFF + FREE SHIPPING  Click Here to get your Falls River Soap Company items now. Use the Code”WINTER16” for 15% OFF & Free Shipping on all orders $35 with Coupon!!


Find Falls River Soap Company on social media

Twitter, FacebookInstagram, and Pinterest.

If you are looking to forever change the way you wash and experience the pleasure of the perfect bath or shower using the finest natural ingredients, it is time to discover Falls River Soap Company! Right now you can enter below for a chance to win a $100 Amazon Gift Card and a Deluxe Falls River Soap Gift Basket!  Personally, I only use all natural personal care products, so I’m very excited about this giveaway!

Falls River Soap Company is a small family owned business located in Ohio, specializing in handcrafted artisanal soaps since 2004. At Falls River Soap Company they use organic and high quality natural essential oils, herbs and botanicals sourced from all over the world to create homemade soaps the old-fashioned way, through the cold-process method of soap making.

Unlike mass-produced commercial soaps sold by those “other” companies you find in your local supermarket or drugstore, it takes a little extra time to create a Falls River Soap. The soap makers at Falls River Soap Company are busy working by hand in small batches at a low temperature and aging the soaps for up to four to six weeks to preserve the natural glycerin, producing the most luxurious, pure and gentle moisturizing soap imaginable for every skin type, scent or texture preference.

The eco-friendly natural soaps created by Falls River Soap Company do not contain harsh chemicals, animal fats or synthetic preservatives. They do not test products on animals and their handmade soaps are 100% vegetarian.

Falls River Soap Company uses earth-friendly ingredients like fresh goat milk, olive oil, shea and cocoa butter, coconut and avocado oil. Natural exfoliates include lemon peel, ground coffee and calendula petals and more.

And that’s just about it, natural ingredients and a whole lot of love combine to make the best handmade soap available anywhere at any price!


Now for the fun stuff. This giveaway is open to US. There are daily bonus entries so please check back tomorrow. Share it with your family and friends, they’ll want to enter to win too!!


 I can’t ask you to “Like” our pages but, if you see something you like, let us know so we can bring you more of it.We LOVE it when you “LIKE” our pages.

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 If you have any questions about this product, Amy & Aron’s Real Life Reviews- reviews, or our giveaways, please feel free to email us directly at grovesamy81@gmail.com or amy@aarlreviews.com

Pinterest #2 Falls River Soap Company Giveaway

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Co-Host Falls River Soap Company Giveaway

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$250 Holiday Cash Shopping Spree

Happy Thanksgiving! 2016 has flown by and before you know it we’ll be celebrating the New Year. Could you use a little extra holiday cash? Well, you’re in luck!  Your Strong Tower is excited to bring you a Shopping Spree Cash giveaway where you have the option of choosing between $250 PayPal Cash OR an Amazon E-Gift Card!

This event was organized by The Kids Did It & The Mommy Island and sponsored by the awesome bloggers, authors, and Etsy shop owners listed below!

holiday cash shopping spree giveaway

Give some love to the Holiday Shopping Spree Sponsors and follow them on social media:
The Kids Did It
The Mommy Island
Zombie Parenting
Christy’s Cozy Corners
Luv Saving Money
Savings in Seconds
Rockin’ Book Reviews
Dorky’s Deals
Imperfect Women
Krazy Kat Freebies
Miki’s Hope
Book Room Reviews
Families That Stick
Laughing Vixen Lounge
FROG Reviews and Ramblings
This Mamas Life
Literary Winner
Mom ‘N Daughter Savings
Kindle and Me
Simply Shonna’s BHDD
Mom Does Reviews
Mommy & Love
The Parenting Patch
Giveaway Lovers
PaulaMS’ Giveaways, Reviews, & Freebies
Lenore Harper
Home Jobs by MOM
Coupons and Freebies Mom
Your Strong Tower
FROG Reviews and Ramblings
Vegetarian Mamma
Michigan Saving and More
Heartbeats~ Soul Stains
Coffee for Mom
Mean Mommy Magic
Still Blonde after all these YEARS

ONE entrant will be selected by the entry form to win $250 PayPal cash OR $250 Amazon e-gift card. Open for entry WW, 18 years and older from 11/23/16 thru 12/21/2016 at 11:59pm ET. No purchase necessary. Void where prohibited. Winner will have 24 hours to respond to notification email to claim their prize or a new winner will be selected. See Rafflecopter for official rules. The Kids Did It & The Mommy Island are responsible for sending winner their prize via PayPal or Amazon. Winner has the option of choosing between PayPal and an Amazon gift card. Please contact Amanda (joyskidsdidit@gmail.com) if you have questions or you’d like an event organized.

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2016 Cash for Christmas Giveaway!

Are you getting geared up for the shopping season? Have you made your list and checked it twice?  Do you need extra cash for Christmas? Who doesn’t?

 

Cash for Christmas Giveaway 330 dollars

We are so excited to be giving away $330 in cash prizes for you to use starting Thanksgiving weekend. Enter to win one of these amazing prizes and make a nice dent in your holiday shopping!  Here are the prizes:

1 – $100 Amazon Gift Card
1 – $75 Target Gift Card
2 – $50 Walmart Gift Card
1 – $25 Kohls Gift Card
3- $10 Starbucks Gift Card

There will be 8 winners in this giveaway. Each winner will receive a gift card code to use on the online store or in the actual store.

Now it’s time to meet our wonderful co-hosts who have made this giveaway possible.

Cash for Christmas Giveaway 2016 Co-Hosts

Starting at the top row we have:

Terri – Christmas Tree Lane, Melissa – The Farm Girl Gabs, Christine – Your Strong Tower, Audrey – That Recipe & Munofore, Dana – Goods Giving Back, Tammy – Creative K Kids, Trish – Creative Simplicity by Trish Sutton, Kim – Shopping Kim and Enter Online Sweeps, Ali – Home Crafts by Ali and Ali’s Book Nook, Kelly – Typically Simple, Kim – The Resourceful Mom, Katie – The Ramblings of an Overtired Mama, Angie – God’s Growing Garden, Sarah – Devastate Boredom, Karen – Raising Little Superheroes, Gina – Money Savvy Living, Beverly – Eclectic Red Barn, Melissa – Deliciously Savvy, Beth – Our Pretty Little Girls, Meredith – The Mom of the Year, Laura – Michigan Saving and More, Debbie – Heartbeats ~Soul Stains, Carol – The Red Painted Cottage, Tiffany – A Wandering Vine, Monica – Mommy & Love, Holly – Keeping Life Sane, Sinea – Ducks ‘n a Row, Cindy – Simple Steps for Living Life, Tammy – My Life Abundant, Kari – Keep It Simple DIY, Danielle – Dancing with My Daughter

Please stop by and say hi to these wonderful ladies and their blogs.

The giveaway will end midnight on Wednesday, November 24th, the night before Thanksgiving. You will have 48 hours to respond to the email claiming the prize. If you respond right away, we will get you the gift card code promptly so that you can shop with it on Black Friday! If we don’t hear in 48 hours, we will choose another winner.

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Don’t Borrow from Tomorrow’s Income

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Today’s guest blog post is by Barney Whitstance.

In this debt driven world, we thrive on our credit cards to make purchases, aiming to pay them off once we get our paychecks. This may seem like a good idea but in reality, it entraps us into valuing our job much more for the money it offers than for other factors like career growth and satisfaction. This makes us feel like slaves who spend money before we even lay our hands on it. We tend to open up various lines of credit where every month a certain amount is dedicated to fulfilling each stream. This over-reliance on “future income” is one of the biggest financial traps as it makes you vulnerable to overextending yourself with debt if you part ways with your job for whatever reason. Things need to align themselves financially if we are to keep ourselves safe from this over dependence on our jobs.  The way to go about it is to reduce your spending where you can, allowing you to save more than you were previously and live off that mountain of cash you accumulated instead of being burdened by a pile of credit weighing down on you. Here are some guidelines to help you reduce your spending and save more money, thus reducing your financial dependence on your job:

Consider your house as a creature that can eat as much as you throw at it, while also retaining the ability to survive happily on a small amount of food every day. Utility bills are one of the biggest issues we ignore while setting our goals to reduce our spending.  However, they can substantially increase your savings if you turn your home into a more energy efficient place by cleaning coils, fixing air vents, keeping the air-conditioning in proper shape and using efficient lighting systems in your home.

Consider the idea of renting as it will save you a lot of money in property taxes, insurance, and mortgage payments. A mortgage payment can eat up a large portion of your salary.  Plus, if you lose your job and can’t make the payments, there’s the fear that the house will be gone and the previous payments will carry little value.  Buying a house isn’t a decision to make lightly.  Renting out rooms in your house and finding a house which reduces your commute can save you a considerable amount over the long run.

Insurance premiums – medical, auto, home, and the like – can also keep us over dependent on our paychecks.  First, be sure to shop different providers at least once every few years to ensure that you are getting the best deal.  Once you have a nice nest egg in your savings account, consider raising your deductibles which will lower your monthly payments.  Check into pharmacy clinics and urgent care centers and use them instead of heading to the emergency room which is sure to rack up large expenses. 

Do not fall prey to impulse buys and indulge in unnecessary spending and instead use that money to pay off any debt you might have accumulated first, starting with the ones that make you pay the highest amount of interest over a large period of time. Avoid credit cards as much as possible by making only cash payments for the items you purchase.

 Most of us have developed the habit of viewing our credit cards as a savior to salvage our pride in times of need. We can do away with it and begin to value our money that is present in our hands at the current moment which will not only help us in saving it but make us more strong, subtle and viable to not only survive but also do so ever so happily that we should have realized a long time ago.

 

Barney-Whistance

Barney Whitstance is an enthusiastic Finance and Economics blogger who is most interested in global economic climate. Apart from doing majors in Finance, he is also a Chartered Accountancy Student and planning to complete his Ph.D. in Finance before he turns 30. You find him here on Twitter.

Cash Creeptacular Giveaway!

cash-creeptacular-giveaway

Are you frightened by your credit card balance?  Creeped out by the lack of funds in your savings account?  Maybe the price of Halloween costumes and candy this year has you hiding under the bed!  Don’t be scared…  Enter the Halloween Cash Creeptacular Giveaway and you could win $125 in PayPal Cash to help you achieve your money goals! 

Welcome to the Cash Creeptacular Giveaway! 

Are you needing some extra cash for your fall fun? It’s the perfect time of year to get outside and enjoy the colors of the season, or perhaps stay indoors and bake something pumpkin spice. The Kids Did It and The Mommy Island have teamed up with some great sites to bring you this fun cash event. This ghoulish giveaway is offering one lucky spookster the opportunity to shop til they drop with $125!

Our Creeptacular Sponsors

The Kids Did It
The Mommy Island
Filipino Recipes Portal
Parenting In Progress
Dorky’s Deals
Life, Naturally
Imperfect Women
This Mamas Life
Laughing Vixen Lounge
Coupons and Freebies Mom
Simple Wyrdings
Here’s the Story
Better on a Budget
Your Strong Tower
Literary Winner
HOME JOBS BY MOM
Basically Speaking
Still Blonde after all these YEARS
This Ole Mom
Style Island

Enter the Cash Creeptacular Giveaway!

One lucky entrant selected by the Rafflecopter form will receive $125 US Dollars via Paypal! Open World Wide, 18 Years and older. Void Where Prohibited. Open for entry from 10/10-10/31 at 11:59pm EST. Winner will have 24 hours to respond to the notification email to claim their prize or a new winner will be selected. For any questions about this event or to be a sponsor in our next event please email themommyisland@gmail.com.

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