10 Ways to Get the Cheapest Rates on Car Insurance

get the cheapest rates on car insurance

According to ValuePenguin.com, the average cost of auto insurance in Michigan is $213 a month. That sucks. Good thing I figured out a way to pay just $46. 😉

“Alright, Derek. You’re telling me that you pay less than 1/4 of the average on your car insurance??”

Yup, that’s exactly what I’m telling you.

“Well how in the heck do you do that???!!”

I’m glad you asked… 🙂

10 Ways to Get the Cheapest Rates on Car Insurance

In many ways, Michigan is a great place to live.

Houses are cheap, Summers are gorgeous, and One can make a pretty decent income

But….car insurance is fricken expensive, and it’s caused me to be uber sensitive to how the whole operation works (and how to ultimately get the cheapest rates on car insurance).

If you want to pay wayyyy less in car insurance, then I suggest you . . . → Read More: 10 Ways to Get the Cheapest Rates on Car Insurance

8 Tips to Be Frugal Without Feeling Deprived

tips to be frugal without feeling deprived

Frugality has gotten a bad rep. Many frugal people are looked at as cheap, penny-pinching, or during the holidays, scrooge-like. However, being frugal doesn’t mean you have to throw your life away. It is possible to be frugal and still have a good time.

8 Tips to Be Frugal Without Feeling Deprived

This post has been written by our talented staff writer, Kimberly Studdard.

So how can you do it? Check out the 8 tips below and you’ll be well on your way to being frugal without feeling deprived.

Make A Budget

How do you know if you are being frugal if you don’t know what’s coming in or going out? The very first step you should take is make a budget. It’s possible to be frugal without feeling deprived, but you have to know where to start.

Your budget doesn’t have to be super fancy. In . . . → Read More: 8 Tips to Be Frugal Without Feeling Deprived

How to Save Money on Your Bills Without the Hassle

You always hear of ways to save money on your bills. But sometimes, these tips and tricks include making a ton of calls, almost freezing to death (just to save a few pennies on energy costs), and constantly haggling just to save a dollar. But, how do you save money on your bills without the hassle?

How to Save Money on Your Bills Without the Hassle

This post has been written by our staff writer, Kimberly Studdard. It may contain affiliate links.

Switch Providers

If you are tired of the endless calls, constant back and forth, and/or crappy customer service, switch providers! While this may not work for all of your bills, it should work for a least some. For example, if you find that your car insurance rates keep going up instead of down, and it’s not due to you, get quotes on other insurance companies. If you find . . . → Read More: How to Save Money on Your Bills Without the Hassle

What is the 4 Gift Rule? (And Should You Try It?)

4 gift rule

Gone are the days where parents buy their kids a million presents to sit under the Christmas tree. With kids wanting more expensive items, plus the fact that some abandon (or outgrow) their gifts after just a few short weeks or months, it’s becoming more and more valuable to take a minimalist approach when gifting. And that’s where the 4 gift rule comes in!

Related: 3 Good Reasons Not to Give Kids Too Many Presents

What is the 4 Gift Rule? (And Should You Try It?)

So what is the 4 gift rule, is it worth it, and is it worth trying out with your family? Let’s take a look and you decide!

Saves Money

How does the 4 gift rule save you money?

It follows a simple plan, and you only have to remember the quick rhyme:

one thing they want, one thing they need, something to . . . → Read More: What is the 4 Gift Rule? (And Should You Try It?)

Our New Partner: BillCutterz!! Try Them Out at No Risk!

BillCutterz

“What??? Oh my word!!” Monica nearly fell over when she heard the news. BillCutterz just called and told her that they saved her family $1,493.93 for the year on their monthly bills – and all it took was a quick 3 step process that took just a few minutes! AND, the upfront cost was absolutely nothing!

 

BillCutterz: Our Awesome New Partner

As LifeAndMyFinances.com continues to grow, we’re able to reach out and find new partners that can save you money! And, that’s exactly what’s happened with BillCutterz. I recently heard about their services from a friend of mine, and I absolutely LOVED what they offered, so I decided to reach out and see what they could do for you, my loyal readers.

….and wouldn’t you know it? I got a call from their CEO, Barry Gross!! He loved my story and my site so much that he wanted . . . → Read More: Our New Partner: BillCutterz!! Try Them Out at No Risk!

How to Become a Stay At Home Mom – Interview with Laura Harris

stay-at-home mom blueprint

“Wee wee!! Higher mommy, higher!” Her cheeks almost shimmer with a reddish hue as she throws her head back and giggles with delight.

It’s Sunday. You wish this moment could repeat itself day after day after day…but the reality is you’ve got to take your kiddo to daycare tomorrow. She’ll pout, whimper, and probably throw a tantrum again… All she wants in this world is you, but you’re dropping her off with strangers for 9 hours a day…

Oh how you wish staying at home was possible, but it’s just not the reality of this world anymore, right? Doesn’t every parent need to work these days?

Honestly, no.

And that’s why Laura Harris has written the eBook, “The Stay-At-Home Mom Blueprint“. The book is only $10. Use the promo code “LIFE40” and you’ll get it for $6.

Laura has successfully fought her way back home. She’s now a full-time mom . . . → Read More: How to Become a Stay At Home Mom – Interview with Laura Harris

The Best Bill is One That Never Happens – Here’s How to Do It…

You rush to the car juggling your coffee, car keys, and a couple of bags. You yell for the kids to hurry and remind Johnny to go back in and get his lunch box.

And that’s when you notice the flat tire. Ugh! You don’t have time for this right now! How old is that tire anyway? What could possibly be wrong with it?

When you dig through the glove box, you find the receipt for the tires…and it’s not what you expected. You actually bought them longer ago than you remembered. And somehow never managed to get them rotated or inspected, even though it was included with the original price of the tire…

How would you like to never have another financial emergency? With some intentionality, it’s absolutely possible.

How to Never Have Another Financial Emergency

There’s never enough money or enough time in our lives. We feel like . . . → Read More: The Best Bill is One That Never Happens – Here’s How to Do It…

How to Get an Education Without Debt

get an education without debt

With average student loan debts hovering a little over $30,000 after graduation, many people think it’s impossible to get an education without debt. But it’s not! In fact, with technology, education is expanding exponentially, and there are a ton of ways to learn, and even get a degree, without pulling out a single loan.

How to Get an Education Without Debt

This post has been written by our talented staff writer, Kimberly Studdard.

So what can you do if you’re ready to head to school, but you’re having a hard time making the numbers work without taking out those dreaded student loans? Even though many people would tell you otherwise, there’s actually plenty you can do! Take the steps below and you’ll be well on your way to get an education without debt!

1) Choose the Right College

Choosing the right college can help you get an education without . . . → Read More: How to Get an Education Without Debt

9 Things You Should Do Now For Next Year’s Taxes

things you should do for next year's taxes

Although it may seem as if tax season is far away, it is in fact just a short 5 months from now. Now, that still sounds like a lot of time, but as busy professionals, parents, and adults in general know, tax season approaches fast. Instead of being caught off guard (considering the fact it’s the same day every year), here are 9 things you should do now for next year’s taxes.

This post has been written by our talented staff writer, Kimberly Studdard.

Get & Stay Organized

First things first, always keep your tax information organized. You don’t want to be the person scrambling at 11:00pm on April 14th to file your taxes. Keep all receipts, prior tax returns, and any other paperwork in a folder or file cabinet that you can easily access.

It’s critical to have all paperwork, including receipts and statements, on hand should you . . . → Read More: 9 Things You Should Do Now For Next Year’s Taxes

The Complete Guide to Sell Your Car Yourself for Thousands More (Even If You’re Under Water)

sell your car yourself

Instead of trading your car into the dealer for $5,000, how would you like to get $7,000 for it by selling it yourself? You might be shy, you might know nothing about cars or selling, and heck, you might even have a lien on your car still. That’s all okay – it’s still absolutely possible to sell your car yourself and earn thousands of dollars more by doing it.

How to Sell Your Car Yourself for WAY More Money

Do you know how dealers earn money? Of course you do… They buy cars for cheap and then sell them for a couple thousand dollars more to the next customer.

When you sell them your car, you can almost guarantee that they’re paying you far less than someone else would. So why is it that so many people just trade their car in to the dealership without thinking twice about it?

. . . → Read More: The Complete Guide to Sell Your Car Yourself for Thousands More (Even If You’re Under Water)