Mega stores (i.e. Sams/Costco) are great if you have storage room. Well worth the cost of joining.
Pay cash when you can for new automobiles. Paying interest on something that depreciates instantly, do the math. I drove a POS for 4 years while diligently saving the money to pay cash. Sometimes you get a lower price if you take the dealership loan and then pay the loan off in one lump sum. The dealerships get a kick back from the loan companies which they may negotiate into the final price. Also try to get free oil changes, tire rotation, routine checks,..... thrown in if not offered. Buy in the springtime, you get deals on the prior years left over models. For some, leasing is the better option and depends on your driving requirements. Buying used cars is a completely different discussion.
Dental/vision/RX. Look into discount card plans. I have one called Carefree that covers all three for $15/month. It's a straight discount, no copay or deductible. My last $700 dental bill was cut to $350. Drawback is finding a provider that accepts the discount. You can find the provider lists on line for your area. The discounts on dental alone pay for the card with my wife's and my routine cleanings/x-rays alone. Have not tried it for RX, that is covered under our ACA plan.
RX- check out Good RX. Gives you the prices in your zip code by provider and printable coupons if available.
I never buy extended warranties.
Pay cash when you can for new automobiles. Paying interest on something that depreciates instantly, do the math. I drove a POS for 4 years while diligently saving the money to pay cash. Sometimes you get a lower price if you take the dealership loan and then pay the loan off in one lump sum. The dealerships get a kick back from the loan companies which they may negotiate into the final price. Also try to get free oil changes, tire rotation, routine checks,..... thrown in if not offered. Buy in the springtime, you get deals on the prior years left over models. For some, leasing is the better option and depends on your driving requirements. Buying used cars is a completely different discussion.
Dental/vision/RX. Look into discount card plans. I have one called Carefree that covers all three for $15/month. It's a straight discount, no copay or deductible. My last $700 dental bill was cut to $350. Drawback is finding a provider that accepts the discount. You can find the provider lists on line for your area. The discounts on dental alone pay for the card with my wife's and my routine cleanings/x-rays alone. Have not tried it for RX, that is covered under our ACA plan.
RX- check out Good RX. Gives you the prices in your zip code by provider and printable coupons if available.
I never buy extended warranties.
I don't have an anger problem, I have an idiot problem.
