Instant Money: How to Save Money on First Mortgage Loans

1.Although your monthly payment may be higher,you can save tens of thousands of dollars in interest charges  by shopping for the shortest term mortgage you can afford. For each $100,000 you borrow at a 7% annual percentage rate (APR), for example, you will pay over $75,000 less in interest on a 15 year fixed rate mortgage than you would on a 30 year fixed rate mortgage.

2.You can save thousands of dollar in interest charges by shopping for the lowest rate mortgage with the fewest points.On a 15 year $100,000 fixed rate mortgage, just lowering the APR from 7% to 6.5% can save you more than $5,000 in interest charges over the loan, and paying two points instead of three would save you an additional $1,000.

3.Check the internet or your local newspaper for mortgage rate surveys, then call several lenders for information about their rates(APRs), points and fees, If you choose a mortgage broker, make certain to compare their offers with those of direct lenders.

4.Be aware that the interest rate on most adjustable rate mortgages (ARMs) can vary a great deal over the lifetime of a loan. An increase of several percentage points might raise payments hundreds of dollars a month, so ask the lender what the highest possible monthly payment might be.

Instant Money: How to Save Money on Auto Loans

1. To save as much as several thousand dollars in finance charges, pay for the car in cash or make a large down payment. Always get the shortest term loan possible as this will lower your interest rate.


2. Make certain to get a rate quote (or pre approved loan) from your bank or credit union before seeking dealer financing. You can save as much as $1000 in finance charges by shopping for the cheapest loan.

3. Make certain to consider the dollar difference between low rate financing and a lower sale price. Remember that getting zero or low rate financing from a dealer may prevent you from getting the rebate.

Instant Money: How to Save Money with Credit Cards

1. To avoid late payment fees and possible interest

rate increases on your credit cards, make sure

you send in your payment a week to ten days

before the statement due date. Late payments on

one card can increase fees and interest rates on credit cards.

2. You can avoid interest charges, which may be

considerable, by paying off your entire bill each

month. If you are unable to pay off a large balance,

pay as much as you can. Try to shift the

remaining balance to a credit card with a lower

annual percentage rate (APR). You can find listings

of credit card plans, rates, and terms on the

Internet, in personal finance magazines, and in

newspapers.

3.Be aware that credit cards with rebates, cash

back, travel awards, or other perks may carry

higher rates or fees.

How to Save Money on Auto Leasing

1. Don't decide to lease a car because payments are lower. The payment are lower because you don't own the car. You'll have a lot of fees to compare for the best deal. Compare the price of the car, your trade-in allowance, the monthly payments, down payments, extra fees, mileage, wear and tear, and the cost at the end of the lease.

2. Compare different lease offers and try your hand at negotiating the following terms:

• The agreed value of the vehicle. Why? Because a lower value may reduce your monthly payments.
• Up-Front Costs
• The Lenght of Your Lease
• Monthly Payments
• End-of Lease fees and Charges
• Allowed Mileage and per Mile Charges
• Options for Purchase

The Federal Trade Commission has an all inclusive publication on understanding car leasing fees to negotiate. You'll do well for yourself by also asking about alternative advertising specials and other leasing offers. You can find the FTC guide to car leasing here: http://www.federalreserve.gov/pubs/leasing/

3. Leasing fees have gone through the roof. According to a recent Newsday report, Domestic automakers have cut way back on leasing programs. Poor earnings reports had Chrysler jumping ship, they've abandoned their leasing options. Profits for automakers have been scarce but you can still lease a car from one of the 4,500 independant leasers. The best bet for getting a vehicle today is to buy a good car cash if you can. This doesn't sound like a money saving tip but it really is. Why not save to buy a good used or new vehicle and ditch the ball and chain headaches.

Instant Money: How to Save Money on a Used Car

1. Before buying any car compare the sellers price with the average retail price in a " bluebook " or other guide to car prices. Also check the National Automobile Dealers Association at http://www.nada.org. You also should check http://www.kbb.com or your public library.

2. Buy from friends you know and trust. It's a good idea to buy a used car from a friend who will be upfront about a cars problems. Friends are more likely to give you a good deal anyway. Be cautious when buying from private owners because the condition of their car is not guaranteed. Most sellers don't keep maintenance records. When buying from private owners your shopping at your own risk. My best advice is that you get a mechanic you know you can trust to examine the car.

3. Check to see if the car was ever in a serious accident. Some used cars are rebuilt after being  "totaled".

4. Get the cars history at the following websites:

http://www.carfax.com

http://www.autocheck.com

You'll pay a small fee but it's certainly worth it. All you'll need is the car's vehicle identification number. Your report will reveal some truly money saving facts like: accident history, flood or fire damages, and whether the car was stolen or used as a taxi.

5. Check to see if there are any Early Warning Reporting Notices (EWR) submitted for the vehicle. Go to http://www.safercar.gov to investigate.

6. Watch your step and be careful when purchasing from online auction sites. Once you get that car your stuck with your purchase.

7. Spend some time on http://www.autopedia.com. Autopedia is a free automotive encyclopedia. Catagories on the site include:

• Automotive News from Around the World
• Warranty, Repair and Service Tips that Save you Money
• Extensive Used Car Buyers Checklist
• Best Buys on Auto Insurance
• Hot Link Pages for Hard to Find Automotive Information
• Tips on Automotive Repair and Easy Do it Yourself Guides.

8. Find out as much as you can about fixing a used car yourself. Even if you don't do your own repairs, you'll be armed with information that will prevent you from being scammed. The following sites will give you a head start on becoming Mr. or Mrs. Fix-It:

http://www.aircondition.com  Repair Site

http://www.autoeducation.com Easy Do-It-Yourself Tips and Tricks

http://www.carcarecouncil.com Maintenance Training

http://www.lorensauto.com Car Care and Driving Tips

9. Spend a few hours on the following website and read " 56 Most Important Tips & Tricks for All Things Automotive. Go here: http://www.highwayone/Article.html. The list includes hints and helps for new as well as used car owners around the globe.

10. Spy on/or join car forums for inside info on deals and common problems. Consumers gather in forums to converse, get social and share pertinent information. If your looking for a honda accord forum, just do a web search. Whatever type of car your buying, there's a good chance a forum has been set up for it. You'll find that car owners have a lot to blab about in these lively forums. They'll comment about problems they've had, and possible deals in you area. Car forums are THE place to go when researching a specific model. You'll meet some very enthusiastic folks who know way more about a car than dealerships.

Instant Money: How to Save Money on New Cars

1.Choose a model that combines low price with low depreciation, financing, gasoline, maintenance and repair costs. This type of car is a prize. You'll be the winner on all points mentioned.

2. Do an eagle eye inspection on your dream car before you leave the lot. If you don't spot damage before you drive off the premises, dealers may not want to fix anything for free. Look for dents scratches etc. before you depart. Examine the promised perks, options and features. If you spot problems, get a written promise for repairs.

3. Comparison shop once you know what car your hoping for. Do some checking around for price quotes. Don't just stop at one dealer's quote, go the distance for super savings. Get a bunch of quotes and compare prices. Cozy up to your computer and spend sometime researching. Make a few phone calls. Let each dealer know that your shopping around. This technique may land you a lower priced offer.

4. Take your sweet time and remember, once you place your John Hancock on a contact there's no turning back.

5. Give dealers a hard time of it. Sales people know that most newbie car buyers are often unprepared to negotiate price.

6. Don't get sent over to a brand new salesperson. When sales people shuffle you over to another sales person you'll get somebody even more agressive and skilled at getting the sale closed. In order to keep the ball in your court continue with the original sales person, or head on over to a new dealership.

7. The best times to buy gas are early during the week. Service stations hike up prices on Friday to profit big on weekend traffic. They use the same techniques right before holidays as well. Your best bet for lower gas prices will be during the early part of the week.

8. Check the best deal on a new car, price the car you want on the manufacturers website. Check with at least three or four local dealers for the best price and availability. Also do some price checking at the following websites:

http://www.autoadvisor.com

http://www.edmunds.com

9. Dealerships may not give a fair price on a trade-in. You'll come out on top if you find your own buyer. You can estimate a sales price by checking the following website:

http://www.autotrader.com

Instant Money: How to Save Money on Car Rentals

1. Snoop around on http://www.travelocity.com to find out the going rate for rental cars at your planned destination. Be sure to check for all fees and prices, such as taxes, gas tank rules etc. Once you have the complete information you can make those wise money saving choices. Rental car fees do fluctuate in price. Also ask about special offers or member deals. Sometimes folks keep special offers a big secret. Why? More moola for them. Aha! We know that for sure.

2. Check that your not paying double coverage. Your auto insurance may have already covered you. Rental car companies do offer various insurance and waiver options.

3. Track secret deals that may be brewing on http://www.rentalcars.com. You'll like this site because their in the business of diligently monitoring deals on the various rental car websites. They do the web surfing for you. All you have to do is cruise the site for updates. Car rental sites may post last minute deals that their own phone staff may not be privy to.

4. Get your tank filled up before you leave as long as you are not charged  additional fees. If you don't, rental car companies tend to jack up the price for gas upon your return with an empty tank. Be sure to return to point A with the same amount of gas you had when you left.

5. Try not to rent a car at the airport and you'll avoid additional fees.  Convenience always costs you extra money in the end.

6. Save money by using hotel shuttles. Instead of renting from the airport use shuttle buses if you can arrange it. Keep in mind that public transportation or shuttles direct to the front desk are economical and convenient if your saving money in the end.

7. Ignore the pressure to pay insurance fees. Rental counter sales people are trained to make money by pushing your panic buttons. The company makes lucrative perks for insurance fees so watch out for the high pressure sales pitches. It's possible that your auto insurance has got you covered, and it's in your best interest to check on this before hand.

8. keep checking the following travel sites for more golden opportunities to save cash:

http://www.priceline.com

http://www.airfarewatchdog.com

http://www.tripeedo.com

http://www.kayak.com

http://www.southwest.com

http://www.expedia.com

http://www.travelocity.com

http://www.cheaptickets.com

Instant Money: How to Save Money on Airline Fares

1. Compare low-cost carriers with major carriers. The best fares may not be out of the airports closest to you. Ticket prices are cheaper purchased from larger airports. Ditch the little guy in favor of the big dogs. The extra time you take to investigate can save you money. Some folks believe smaller airports give the best savings. When in doubt just do your research.

2. Call your airline direct and shoot them a price quote. Ask if they can do better. You might just save yourself a bundle. You never ever know until you ask.

3. Fly out on a slow day like Tuesday. People rarely fly on Tuesdays, and it appears to be the cheapest day of the week. After all, the week begins on Monday. Wednesday and Thursday run neck in neck with Tuesdays. Try scheduling your trip around these un-popular days.

4. Include a Saturday lay over. This tip can pay off, or you can pick up your ticket 14 days in advance. Both ideas can save you money. Last second tickets can cost more. Above all else, just ask brightly which days are cheapest.

5. Use a travel agent insider. Travel agents may have better deals, but don't stop there. Check Internet travel sites for yourself. Keep your eyes peeled for special deals, and as always, make those calls to ask for the lowest fare.

6. Consider taking the train. Yes, the train ride is much longer, but you know you'll save money. Train travel takes more time, yet the savings are pretty decent. You could us the extra time to catch up on some sleep or get your reading in.

7. Travel off season. Off-season travel will definitely make a difference in how many green backs are left in your wallet.

8. Book your vacation through a wholesale club. Costco is a good one. If you already belong and sport the membership, why not investigate their travel packages? Savings of 30% to 40% are not out of the ball park for places like Costco or similar savings clubs.

Instant Money: 101 Cash-Saving Strageties you can Start Today

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