New Innovative Smart Phone Beta Program – Save up to 80% and $1,000 a year on your Phone Bill!

Do you love your cell phone plan? There are parts of my cell phone plan that I really like and parts that annoy me every month!  I am excited to share with everyone an amazing new mobile company that is currently in private beta. The cool thing is Tammilee Tips readers can join the private beta program to learn more about saving on your mobile phone costs.  With this early access, you will benefit from up to 80% off the cost of brand new smartphones for your family as well as up to $200 in account credits to be used towards your mobile service as part of the Beta, not to mention savings on your service that range from $800 a year (average individual) to $2000 a year or more for families.

I am so excited to learn more about saving on our mobile plan. We have a family plan and I feel like each month there are new random fees and charges on the bill. I spent time each month going through our bill line by line to make sure we are not being overcharged. I really want to switch to a plan that does not change my rates all the time and saves me money.

Build your plan

This plan lets you take control of your mobile plan and decide how much you want to spend!… 

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Cost of Celebrations

One of our biggest expenses some years is the cost of celebrations. The cost of birthdays, holidays, parties and more all add up quickly.  We try and plan ahead as much as possible to make sure we are ready for the cost of celebrations. I have a plastic tote that I use to store gifts during the year. I keep a list of the gifts that we need and as I find them I make sure and pick them up. I have picked up Christmas gifts in January for great deals and prices. I figure it is not the price of the gift it is the thought that goes into it. If I can find the perfect gift ahead of time and save money that is a win win situation for me.

I thought this Cost of Celebration Infographic was really interesting. Over 7 million red roses are given on Valentine’s Day with the majority of those bought by men. Wow 1 in 5 kids say they have made themselves ill eating Easter candy. This year it may be time to ration the candy and spread it out over a few days or weeks.

Do you feel like the cost of celebrations are a major impact in your wallet?

Unusual Ways to Save Money on your Car Insurance

Unusual Ways to Save Money on your Car Insurance

The cost of car ownership is one of the biggest household expenses for many families. Fuel, maintenance, and insurance costs can all add up each month. There are numerous methods for lowering car insurance fees which fall into the category of common sense. You may already drive carefully and shop around online for the best deals. Yet there are a few other methods of saving that may not come to mind immediately, which are worth considering.

Avoid Automatic Renewal

If you’ve been happy with your insurance plan, it’s tempting to sign up for automatic renewal. Yet this can be a mistake that costs you money in the long run, because the insurance company may raise your premium without you realizing it. Taking the time to manually renew your policy gives you a chance to look it over each year and make sure you’re still getting the best deal.

Pay Insurance Up Front

Many insurance companies will give you the option of purchasing your insurance policy for the year up front or in monthly installments. However, this option is not always publicized, so it’s best to ask what your full payment options are. In many cases, if you can afford to pay up front you’ll end up saving quite a bit of money on your insurance policy. Compare the interest rate of your insurance coverage to the interest rates of your credit cards or personal loan options. In some cases, it will be cheaper to pay off the insurance with another line of credit and then pay this off over a couple of months rather than choosing to pay the insurance company every month.

Choose an Easily Insurable Car

When you buy a used or new car, you’ll want to take a variety of factors into consideration, including fuel economy and safety features. These same factors may also influence your insurance rates. Generally, good family cars with high safety ratings tend to be lower to insure as a side bonus. By reading car news with Motoring or other car websites, you can stay on top of the most easily insurable and lowest cost vehicles.

Check your Credit Report

Although you may already know that your driving record weighs into your insurance premium, many people are unaware that insurance companies also look at credit scores. Be sure to request a free annual copy of your credit report to look it over for errors which may affect other factors like your car insurance. These can be disputed to lower your premium and improve your credit score.

Weighing all options when it comes to your insurance is the best way to lower monthly fees. Just as you would undergo a car comparison before purchasing a new vehicle, comparing interest rates and coverage will yield the best deals.