It’s your money, do your best to keep it

Money saved just a few dollars at a time is still money saved. Over time it can add up to significant amounts. With a little effort and research, you’ll find ways to keep those extra dollars in your pocket. Here are some ideas to get you started:

• At least twice a year check with long-distance phone companies in your area to learn if you can get a better deal to the locations you usually call. Find out if you’re better off with bundled services (local and long distance with the same company) or by getting those services through multiple vendors.

• Shop for a long-distance service that doesn’t charge a monthly or minimum-use fee. Check those 10-10 services for the best rate, but consider any monthly fees or per-call minimum.

• Consider using a cell phone for all your long-distance calls. You might find a plan that gives you free minutes at night and on weekends.

• Look for phone numbers on the Internet instead of calling 411 or the long-distance directory.

• When you get your annual auto-insurance renewal, consult with your agent to see if you can save money by raising your deductible. Then with that new price in hand, call a half dozen other reputable insurance companies and comparison shop.

• If you drive a very old car, consider dropping the collision portion of your insurance. Check the blue book to see what the car is actually worth.

• When pricing airline tickets, don’t put all your faith in one source. Call a few travel agents, and check online as well. Travel agents don’t necessarily have access to the best deals. Check into combining your flight, rental car and motel arrangements. That might get you a reduction in price of one or the other.

• Check with your auto insurance company before you sign the agreement for a rental car. Your policy might already cover you for a vacation rental car. There’s no sense in paying twice for the same coverage.

The IMMIKI Credo

In summary, remember the IMMIKI Credo: It’s My Money and I’m Keeping It. The more often you refuse to hand over extra dollars, the more you’re likely to develop the habit of always seeking out the best deals.