This article is about making adjustments in your finances when some event or circumstance occurs that in effect reduces your ability to obtain basic necessities. The reasons for these events are as varied as the individuals that comprise the planet. The main thread that binds us all is the inevitable bottom line of available money to buy stuff you need or want. These suggestions cover the basic needs and wants of most people.
Generally you may want to check into your various insurances and see if you can save money by either increasing your deductible or shed some coverage that you do not need. If you own a older car it is ridiculous to carry expensive comprehensive coverage. This coverage applies to either replacing or fixing your car. If the actual value of your car is less than a few thousand dollars paying premiums on this coverage for replacement or repair is not cost effective.
Carry the mandatory liability insurance and other cheap coverage like uninsured motorist and medical payments. The same thinking applies to health insurance and home owner’s insurance. Consider raising your deductible and see if that makes a difference in your monthly outlay. Review all of your monthly expenses to determine if there are ways you can reduce your monthly outlay until you can work your way out of the circumstances you are in. Additionally, shop smart and utilize on-line and mail coupons offered by various stores and shopping sites. You will be amazed at the savings you can generate for basic products.
39 Dollar Glasses:
In Montana eyeglasses and eye exams until recently private owners held the exclusive means of dispensing eyeglasses. There was literally no competition among vendors. This is true of most goods and services in small population places. There is simply no competition. The prescription that I need is complex. I am very far-sighted and I have some other idiosyncrasies in vision. In Montana Optometrists out number Ophthalmologists at least 5-1. In metropolitan areas there is immense competition in the field of eye glass dispensers. In Montana, the industry has influenced the legislature and local boards. The result is that eyeglasses that would cost under $150 in most metropolitan areas cost in excess of $300 in Montana.
Recently I purchased eyeglasses from 39 Dollar Glasses dot com. The selection of eye glass frames is immense. The web site has a help line and provides a toll free number for customer service. There is a tutorial on how to do the various measurements for your pupil distance and other helpful hints. You enter your prescription from a doctor on the web site and the order is complete. My order took an extra couple of weeks due to the prescription and an accident in the lab.
Otherwise, I am thrilled with the outcome of this purchase. The glasses arrived in great shape and exactly correct for my vision needs. The entire cost was under $75. The cost took into account the complexities of the prescription. I utilized Mr. Rebates dot com another reputable money saving web site as the entrance to this site and saved an additional $10.
In addition, by being a member of Mr. Rebates I am accumulating rewards dollars that can be utilized or saved for future purchases. Mr. Rebates also allows you to redeem payment into your PayPal account when the reward dollars reach $25. The 39 Dollar Glasses web site also provides rebates for future purchases. In fact because of the delay I was provided a refund of shipping costs and an additional sum in my reward account. Their customer service is the best in the United States.
Ebay is a life saver for anyone undergoing a financial pinch. My experience with Ebay is more than I can express in a few lines. The sellers are a customer service dream. The items I have purchased were well known products at reduced prices. Many of the Ebay sellers have set up an account with the U.S. Postal service. The product arrives in record time and packaged efficiently for shipping. If you purchase an item from an international seller, Ebay’s affiliate PayPal converts U.S. dollars into the currency of the seller automatically.
I have never had a bad experience with any seller or item sold on Ebay. The sellers take pride in their business and do whatever is necessary to encourage repeat sales. I have purchases allergy pills, vitamins, and Prilosec OTC on Ebay at remarkable prices. The best part of the buying experience is the quality of the items and the hassle free atmosphere of shopping for the products.
Wal-Mart has become the store you want to hate, but just can’t. In many parts of rural America Wal-Mart has made the difference in barely making it or not making it all. The prices for food stuffs and over the counter medication are significantly lower than most stores. In recent events Wal-Mart has provided over 100 normally prescribed drugs for the set fee of $4. Wal-Mart customers may also order on line and receive the prescriptions by mail. If you are taking any prescription on a regular basis you may want to call or check on-line at Wal-Mart to see if your prescription is one of the $4 for 30 days prescriptions listed.
While you are trying to put your financial house in order after some event has occurred try earning some supplemental income to help make ends meet. There are various means of producing some income. If you have expertise in crafts, art work or photography there are various independent contractor web sites that offer spot work. My preference is Associated Content. AC, the “People’s Media,” company provides tools and publishing for a variety of subjects. If you join Associated Content you can review the various topics and see where you fit. If you enjoy crafts and art you may want to write an article on how to make an unforgettable gift for the holidays.
There are numerous genres offered through Associated Content. You may find your written voice well rewarded by a great community of writers and readers. In addition you will be paid for your articles at the rate of $5 to $15. The payments are always on time and recently AC introduced a page per view bonus for published articles. Articles you have written will continue to provide bonus payments dependent on page views. Give it a try and see if you can turn your life experiences and talents into helpful articles for readers.
AC recently had a contest for writers and the winners received prizes of $500 to $10,000. The prize winners did a fantastic job in producing excellent articles. Other content publishers offer various incentives for writers. Currently there is a contest being offered by Helium another Internet publishing site. You may also find that your writing experience opens unexpected doors into other work. An open mind and willingness to be flexible is the key to success in troubled times.