Convenience fee

If you choose to make monthly payments for car insurance the company adds a convenience fee to each payment that can range from one to five dollars.

From: madamenoire.com

Wait 30

Whenever you’re considering making an unnecessary purchase, wait thirty days and then ask yourself if you still want that item. Quite often, you’ll find that the urge to buy has passed and you’ll have saved yourself some money by simply waiting.

From: thesimpledollar.com

Cash incentive

In an effort to boost slow sales, manufacturers will sometimes offer dealers a cash incentive to sell a specific model and occasionally, for an entire brand.

From: foxbusiness.com

Liability coverage

Check to make sure you have enough liability coverage for bodily injury and property damage. Over time, costs and risk increase, and so should your coverage. Simply put, minimal coverage gives you minimal protection.

From: consumerreports.org

Stay home

Invite friends over instead of going out. Almost every activity at home is less expensive than going out.

From: thesimpledollar.com

20% credit cards

If more than 20% of your monthly net income is going to pay credit cards and other loans, there are signs of financial problems in your future.

From: moneyandstuff.info

Reduce your speed

One of the best ways to save gas is to simply reduce your speed. As speed increases, fuel economy decreases exponentially.

From: cars.about.com

High interest debt

Do not take on high interest debt. Debt can kill you. Once you take on high interest debt, you are essentially taking on a job at the bank. Spend less and get away from high interest debt.

From: todaysten.com

Silence

Lawyers and price hagglers know that a little silence can go a long way. When the other party offers a price, opt for a long pause to indicate hesitation, which might prompt them to go lower.

From: lifehacker.com

Long term customers

Although it’s possible to change insurance companies as much as you’d like, you should think twice before you do. Most companies offer some sort of discount for long term customers.

From: madamenoire.com

Refinance your mortgage

Refinance your mortgage if you can cut at least one point. The costs of refinancing are considerable, so it should only be done if you can trim your interest rate by at least 1%.

From: yourcreditadvisor.com

Do an annual rate check

Check rates from other companies to make sure you are getting the best deal on your auto insurance.

From: consumerreports.org

Secret to creating wealth

Spend less than you earn – it’s the secret to creating wealth.

From: about.com

Fuel economy

A heavier vehicle needs more power, and thus uses more fuel to accelerate. You’ll be way ahead of the fuel economy game if you "right-size" your vehicle.

From: autotrader.com