Wednesday, July 14, 2010
Top 10 Ways to Save Money
By Diane Schmidt,
1. Step-by-Step Guide to Preparing a Moving Budget
This is a critical step in planning your move. People who don't prepare a moving budget usually find themselves shocked at the amount that they end up paying, leading to more debt and frustration. What we suggest is that you review the other top 9 ways to save money before you complete your budget. Or if you're having a hard time making some decisions on how or when to move, use the budget template to determine costs - this will make the decision a little easier.
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2. What is the Real Cost of Moving?
Before you start to pack, find out where you'll be spending your money. Figuring out exactly what you need to complete your move and how much it will cost, will determine how and when you move. This should be your first step in the planning process.
3. How Much Money Will You Need After You Move?
My sister recently moved, and while I tried to convince her to make a moving budget and figure out how much money it would take to move, she only looked at the costs before she moved (fixing up her old home) and during her move (hiring movers, etc...). But when it came time for the post-move costs, she was shocked at what she spent to get her new home up and running. Don't be surprised by these hidden costs. Build them into your budget before you move.
4. Hire a Moving Company or Move it Yourself? Which Will Save You The Most Money?
This is where you can save the most money. Hiring a moving company can cost anywhere from $800 to $4000 depending on when and to where you'll be moving, plus how much stuff you have. Moving yourself, while it will take more time and energy, it may be the best option for your particular move. Find out how to weigh the pros and cons of each option before you decide.
5. How to Save on Moving Company Fees
Before you hire a moving company, find out what kind of extra fees you may be charged. This could include linehaul charges or extra carrying fees. Also, there are some ways to save money, including bargaining for a better price and moving in the off-season. Check out all the ways to save before you hire.
6. Do You Need to Buy Extra Insurance?
While extra insurance does bring peace of mind, it's something you'll need to decide whether or not it's necessary to purchase. Find out how to weigh your options - you could save yourself some money.
7. Save Money When You Rent a Truck
Renting a truck is not as complicated as hiring a moving company; however, you still need to know what size, whether you need extra insurance and what other equipment you might have to rent to ensure your move goes smoothly. Find out all you need to know about renting a truck so you don't overspend on this high-ticket item.
8. Save Money on Packing Supplies
Find out what you'll need before you purchase packing supplies so you don't overspend. Also, get great tips on saving money by getting some stuff for free!
9. Which Moving Expenses Can You Deduct?
Not everyone knows that the government allows for some moving expenses to be deducted, as long as you qualify. There are pretty strict and simple rules to find out if you do, or if you're not sure, speak to your accountant or a tax specialist. Also, check out the article Who Can Deduct Moving Expenses for an easy to follow guide. Then check out the items that you can deduct and make sure you keep your receipts. Find out how to record them, including travel expenses, in the article below.
10. How to Collect and Record Your Moving Receipts
Even if you're not sure that you qualify for tax deductions, keep all receipts related to your move, including travel expenses, gas and mileage and any fees associated with transfering your car, plus a whole lot more...