Budget Dial Communications Living on a Budget in a Non Budget World

Issue Date March 1, 2007 
Money Saving Tips
Featured Article Understanding Auto  Insurance
Money Blog Spotlight 
Freebie and Contest Alerts
The Frugal Five
Focus on cooking: Everyday Waffles
 

Taxes are done and just waiting for the money to be deposited into our checking account!

Money Saving Tips: 

When shopping, make a list of the items you need and stick to it. Sticking to a list can decrease your grocery shopping by as much as 40%   Use weekly circulars and coupons to help even more.

Change your furnace filters at least once a month to keep your energy savings down.

Share your money saving tips

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Featured Article  

Explore Your Options for Types of Auto Insurance

Auto insurance is at its heart financial protection. You purchase insurance in order to prevent paying thousands of dollars in the event of a collision or other loss. Many different types of insurance are available, covering almost every conceivable means of loss or damage to your vehicle as well as others to which you may cause damage. Very few drivers need to purchase every single type of insurance, so it is helpful to understand each type in order to decide which ones you require.

Property Damage
Depending on jurisdiction, property damage insurance may also be called liability insurance or similar. This insurance covers damage that your vehicle may cause to someone else’s vehicle. Each state sets its own minimum requirement for how much property damage insurance you must carry, but the state minimum may not be enough in the event of an accident. If you cause damage that exceeds the limits of your insurance you may be sued for the difference. Always purchase as much property damage insurance as you can comfortably afford.

Personal Injury
This type of auto insurance is also generally required by law. Personal injury insurance pays a portion (usually 80 percent) of your medical bills and a different portion (often 60 percent) of your lost wages if you are injured in an accident. A small death benefit is often attached in case you are killed in the accident. This protection might extend to relatives, household members or even anyone who happens to be in the car, depending on state requirements and the individual insurance company’s policies.

Bodily Injury
Although bodily injury protection is not required by all jurisdictions it is highly recommended that this insurance be purchased. Bodily injury insurance protects you in the event that you are at fault in an accident. If the other driver is injured beyond the limits of his personal injury coverage, your bodily injury insurance will take effect. Otherwise, you could be sued for his medical expenses.

If you are injured in an accident that is someone else’s fault and your medical bills exceed your personal injury protection but the other driver does not have bodily injury coverage, your uninsured/underinsured motorist coverage will protect you. Your other option is to sue the other driver but lawsuits take both time and money. This insurance is reasonably priced and will pay relatively quickly. Purchase this insurance if you can.

Collision
Collision coverage is designed to reimburse you up to the actual cash value of your vehicle, less your deductible, if you are at fault in an accident. Collision insurance is usually required if your vehicle is financed. Premiums are high and the insurance is generally not worthwhile for older vehicles with a low cash value.

Comprehensive
Comprehensive insurance covers the loss of your vehicle to theft or acts of God. As with Collision insurance, Comprehensive pays the actual cash value of the vehicle less your deductible. Comprehensive is usually required on financed vehicles but not worthwhile on older low-value cars.

Other auto insurance products will cover everything from a rental car to medical payments beyond your personal injury protection. Most of these products are worthwhile but not strictly necessary. If you have any questions regarding your coverage options be sure to speak to your insurance agent.

Compare auto rates from multiple insurance providers and SAVE UP TO $50/Mo. on your car insurance. Enter in your zip here

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Money Blog Spotlight 

Sparing Change Hi, I'm a mom to a diabetic cat, and a girlfriend to the Mayor of Manstown. I'm also the primary paycheck, My boyfriend works part-time and is also starting up a home business. This has somewhat forced frugality onto us, but I am loving it so far. Even though the debt is stressful, I am really enjoying the challenge of living more simply. My goal once we are debt-free is to stay debt-free and stay simple!

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Freebies Free Samples

Free 25 music downloads

Free Shampoo

Free dog treats

Contests

Win a Kodak Easy share camera from Star Magazine

Win a Zune player from Teen bop magazine

Coupon Exchange

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 Print Real Coupons! from your computer to use at your local grocery store.

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The Frugal Five

Sandy  is a  frugal  mom  of 3 from Ohio.

What is your financial  life?                                              
We are a 2 income income family. I work part time in a dental office as  an assistant.   We have 3 children, 1 boy  a freshman in state college, 2 girls  in high school.  Our first priorities right now are college funds.  I have only worked the past couple of years as my husband was the primary bread winner.   I was very frugal while the kids where little but it gets harder as they get older.  My oldest daughter does have a job and she does pay for her extras. My youngest daughter is only 14 so she doesn't have a job just yet

What is your budget buster?                                                 
College tuition and having 2 teenager girls. 

What is your favorite money saving tip?                    

Stay out of the stores.  I try to go to the grocery store only once a week.

If you had an extra $1000 what would you do with it?    
College expenses

What is your best resource for frugal living?
I actually enjoy Mary Hunt's books. I have also picked up David Bach's books while not frugal tips does give good money management ideas. 

Thanks Sandy    for sharing all of your great tips!     Let us know if you would like to be profiled in the Frugal Five

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Frugal Meal Planning  Everyday Waffles

Ingredients:

3 large eggs
1 2/3 cups milk
2 cups all-purpose flour
4 teaspoons baking powder
1 tablespoon sugar
1 teaspoon salt
¼ cup melted butter or margarine

Instructions:

Beat the eggs well in a large bowl using an electric mixer. Add the milk. Combine all the dry ingredients in a separate bowl and add to the milk/egg mixture. Mix until just blended and add the melted butter, mix again.

Heat the waffle iron. It will be ready once you a drop of water evaporates on it. Spoon the batter into the waffle iron compartments. Cover and cook until ready (your waffle iron may have a setting to let you know it’s finished) or watch for when it stops steaming.

Remove waffle and keep covered until you finish cooking remaining waffles.
 

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