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Saving Money On Utilities Made Easy

While running a household can be extremely expensive, there are ways to save on your utilities, including water, electricity, natural gas, sewer service and garbage pickup. A single home can spend up to $400 or more a month on their utilities. Even if you were tempted to have one or more of the utility services disconnected, it would be extremely difficult to do without them. Instead of going this route, you should consider finding ways to reduce these expenses and below, you will discover several tips to help you do exactly that.

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How to Cut Back on Your Holiday “To Do” List and Save Money Too

How to Cut Back on Your Holiday “To Do” List and Save Money Too

The holidays are a wonderful time of year. There is this special atmosphere or holiday spirit that goes along with all the pretty lights and decorations as well as holiday goodies we all enjoy. But preparing for the holidays takes a lot of extra time and work. There are gifts to buy and wrap, decorations to put up, holiday foods to make, parties to attend, and many other things that go along with the season. When your list of tasks is long and your time is short it can leave you feeling overwhelmed. But there are a few ways you can cut back on your holiday “to do” list and save money too. Place a Limit on How Many Gifts You Buy When you read magazine or blog articles about holiday gift etiquette you may see advice about giving to everyone from your boss and coworkers to hairdressers, dentists, eye doctors, mail deliverers, your children’s teachers, Boy Scout leaders, and more. If you took this gift giving advice your list would be nearly never ending. In fact, Christmas has gotten so commercialized that it’s nearly ridiculous. My advice is to place a limit on what you buy and who you ...

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Do You Understand the Importance of Your Credit Score?

In a world where financial independence and control over your credit and debt are important, you’re probably constantly looking for new ways to improve your money management skills. Many people begin searching for strategies to make their lives easier financially, but they pause once they hear about credit scores and reports. Not only can these areas be confusing at first, but you can also easily miss some of the most important aspects of this information. If you’re feeling confused, don’t worry. You can find plenty of resources available to help you understand your credit. Your credit score affects more areas than you may think. For example, although employers can’t see your credit score, they can check your financial history, which includes requesting your credit report. A credit report lists plenty of personal information, such as outstanding collections, bankruptcies you’ve filed, and your history of wage garnishments. Employers will use this report to form an opinion about how reliable you are as a potential employee. This information is only one of many ways that a credit report can impact you. With so much at stake, you should understand why managing this part of your finances is so important. HealthIQ.com has resources ...

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Life Insurance 101: Learn About Some Common Terms and Definitions from Health IQ

If you’re starting the search for a quality life insurance policy, get familiar with some common terms and definitions. Even if you’re a seasoned insurance pro, reviewing some basic terminology can help make sure you understand your current agreement. This step is essential to securing an affordable, beneficial policy, and you may discover something that you can use to get a lower rate or find a better deal. With its dedication to helping health-conscious people save money on life insurance, Health IQ is one place to start. Do you know the difference between term and whole life insurance? Term life insurance covers a set period, whereas whole life insurance covers a person’s life. Although the latter option may seem like a better bargain, it may not be the best deal. Whole life insurance is often more expensive, as the insurance company is guaranteed to eventually make a payout. If you already have life insurance, you can discuss what’s known as a “conversion” — a switch from term to whole life insurance. You could fill up a small dictionary with enough life insurance terminology. Keep researching and learning the essentials needed to be a wise consumer. If you’re interested in learning ...

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Health IQ: Know About Your Life Insurance Needs

Life insurance is a valuable investment that helps protect your loved ones from financial hardships after your death. Age and health may factor into the policy options that are available to you, but these shouldn’t be your own personal indicators as to whether you need life insurance. If you have anyone who depends on you financially, you should consider life insurance a critical investment to make sure they’re cared for should the unexpected happen. Life insurance can help replace your lost wages and pay for some of your debt in the event of your death. Though 73 percent of uninsured families recognize that they need life insurance, there are many individuals who are delaying their coverage. If you’re among the 62 percent of homes that would be in immediate financial trouble if a primary wage earner passed away, it’s time to stop procrastinating and start exploring your life insurance options. There are over 37 million American families that are currently uninsured, potentially putting their loved ones in a dangerous financial situation if they should pass on. The first step to implementing a life insurance plan is understanding your options. You’ll find several options for both low-cost term life insurance and ...

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