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How To Save On Prescription Medicine

After a trip to the doctor, you may find your head spinning not because of your illness, but because of the prohibitive price of your prescription medicines. This is a big problem since you can't skip these medicines due to your concern for your health. However, there is a way for you to save on your medicine expenses.

Here are a few tips to help you lessen the burden of having to pay too much for prescription medicine.

1. Go for generic. Most likely, your doctor may have given you a specific brand name of medicine to purchase. You could, however, go for generic brands of the same medicine type. Generic brands tend to be cheaper than branded medicines.

You may be concerned that generic medicines might not be as effective as branded ones. But the truth is, sometimes generic medicines perform even better than branded ones.

The best way to go about this without having to expose yourself to the risk of buying inferior medicines is to ask your doctor if there are any genetic variants of the medicine he has prescribed to you.

Most doctors have a list of alternative brands for you to try. They aren't limited to just one single brand. In fact, these pharmaceutical companies all jockey for the doctor's attention. They will lavish the doctors with different gifts because they know that their race for a doctor’s favor is neck-and-neck.

However doctors are usually sensitive to their patients needs and will give them a cheaper alternative when the need arises.

2. Follow the prescription schedule to a tee. Some people try to save money by skipping a dosage of their prescription medicine. However, this actually causes them to spend more. If you don't follow your doctor's orders properly, you could find yourself getting sick again and having to pay more for continued medication.

In the case of antibiotics, if you skip your medications, you could find your infection getting worse. Remember that antibiotics are a regimen, and if you don't complete your regimen, the medication doesn't work.

If you have to go back to your doctor he will then give you a more potent antibiotic since the bacteria you were trying to contain may have gained resistance to your previous antibiotic.

The truth is, antibiotics are becoming harder and harder to use simply because people don't complete their antibiotic regimen. And bacteria are steadily gaining resistance to even the most powerful antibiotics. So when your doctor gives you an antibiotic regimen, do follow it to a tee.

How To Save On Insurance

As much as possible, if it can be done, you must seize every opportunity where it is possible for you to save on insurance. Here are some tips you can follow.

In your home insurance:

- If you think about it, you can actually save up to several hundred dollars if you buy insurance from a low-price but licensed insurer. Compare prices of the insurance departments in your state and get the lowest price but most practical company.

- Negotiate a lower selling price with a broker who works for you and not as the mediator to the seller. There may be a conflict of interest if there are too many people involved. So negotiate with just the broker.

In your life insurance:

- If you prefer just insurance protections, and not a savings and investment life policy, you can just buy term life insurance.

- If you would like to purchase the whole life insurance, then hold up to one up to 15 years. If you cancel these policies after only two years of having them under your name will mean double the insurance costs.

- Check the public library about life insurance in your state and get one that suits your personal savings.

In your home rental:

- Most of the time, we find it’s more convenient to limit our search for homes in classified ads or the referrals we get from our friends and acquaintances. That mustn’t be the case. You must also do some home-searching on your own by visiting a building that you’d ideally like to live. Contact the building manager or owner if something can be arranged. When you’re there personally, it’s easier to see about a fixed lower rate.

- Don't sign instinctively. Thoroughly read the lease because if you signed it there and then, it might probably obligate you to make all monthly payments.

In home repairs:

- Choose from several well established and licensed contractors and review their report regarding the house you would like to purchase.

- Before buying the house, make sure an inspector has already approved it and filed for no damages.

- If it is a home that is being built especially for you, do not sign any contract that requires you to pay in full. Pay in full after the house is completely done.

In major appliances:

- Research on Consumer Reports. These are available in your public library. Compare the different brands to one another. Evaluate them. Focus on the energy use. Choose the one with the reasonable price. Of course, get one whose style is appealing. Prioritize function but don't forget form nonetheless.

- Once you’ve made your choice, check the directory or the internet which stores have this brand. Then compare the prices of the stores. Get the one that has the most understandable price. Of course, you should also consider how convenient it would be for you to get to the store.

In food purchases:

- Convenience stores often have additional charges on their products because of their 24 hour service. You can save a lot just by shopping at the lower-priced food stores. Make sure their food is fresh.

- Always have a list with you. In that way, you only get what you’re supposed to get and don’t indulge in impulsive buying and hoarding.

- Compare prices of the same product. That’s why these are set alongside one another on the shelf. Stock up on those items that come in bulk for a low-per-unit cost.

In prescription drugs:

- Just like any other product, if the drugs have a brand name, there’s a tendency they’re much more expensive than their generic counterparts. Ask your pharmacist or physician whichever generic drug is appropriate.

- Just like stores, each pharmacy charges different prices for the similar product. Compare prices. They also have offers on the calling mail-order which tend to charge lower.

In funeral arrangements:

- Talk to close friends or relatives on how you would want to be buried. Make a list. If you can, be the one to look for the property where you would want to be laid to rest, or the funeral home that offers the urn that you would want to be placed after your cremation.

- Contact a local memorial society. Not only would it be easier for you but these could save you thousands of dollars.

- Compare prices of the funeral home. Look them up and read on the testimonials of their other customers. Listen to friends’ and acquaintances referral. Who says you can’t have the best even in death.

How to Save Money On Gas And Live To Tell About It

In today's day and age, it is easy to see why saving on gas is a great idea. For one, the price of gas has skyrocketed ridiculously high, making each trip around town almost too much to bear. However, there are many great days to save on gas and still be able to enjoy mobility around your town and to and from work. Here are a few tips so that you don't have to be dragged down with the oil increase so prevalent today.

1. Get a fuel efficient car. If you are only beginning to save up for car, or are considering buying a car in the near future, look for models that are fuel-efficient. Cars drink up different amounts of fuel per mile, and you would want your car to have the best mileage per full tank.

2. Schedule your trips. A great way to save on gas is to schedule your trips so that you don't end up going back and forth to a place because you forgot to string your appointments tightly enough to be efficient. For example you would want to schedule your trip to the grocers, and any other appointments one after the other so that you can go straight to your next appointment right after the last one.

It would be terrible if you went to the grocers, then went back home because you had no other appointments left for another few hours. And then, you would have to make the trip to the next appointment from your home.

Do you see the wasted fuel going from the last appointment to your home and from your home back to the next appointment? This could be avoided if you schedule your appointments properly.

Just remember that it is best to get into your car to go to all the places you need to go to all on one trip.

3. Travel with a friend. You could have your friends set up a carpool so that you can save on fuel costs. This is because you and your other friends-or your workmates-all travel to the same places in different cars. Imagine the waste that comes from having five cars all with one passenger each going to the same place.

Those five people could all fit in one car and save on the gas costs of four other vehicles. This is why a carpool makes sense. You could take turns with your friends picking each other up and going to the same place. This would save tons on gas costs.

Save Money For Your Kids’ Schooling

It is important for parents to teach their kids on how to save money for their schooling. Tuition fees and textbooks have drastically increased. You may start saving for their college education so that you will be more financially prepared once they enroll for college.

You may also find private schools that have tuition fees that may have the same cost of tuition fees in college. The time you have saving for your kids’ schooling may be a little short to get them into these private schools. It is important that you start with an early savings plan for your kids schooling if you intend to enroll them to expensive private schools. Here are some tips on how to start saving money for your kids’ education.

1. You have to do research on the tuition fees of the different private schools in your local community. In this way, you can decide whether you are able to afford enrolling them in private schools.

2. You have to get a savings plan for your kids. It is important that you start saving early to prepare yourself for the expenses your kids will need for high school or college education.

3. Teach your children the importance of saving money. Tell them to be responsible and prioritize the things they only need in school. You may give them a weekly allowance so that they will learn how to budget their money on a weekly basis.

4. You have to be a role model to your kids. Kids look up to their parents as their role models. Make them realize the value of putting time on their studies.

5. You may consider getting them a savings plan that will cover your kid’s future education.

6. You can wait until high school if you really want your kids to be in private schools. Colleges don't necessarily look at the elementary backgrounds of students.

7. You should cut off your personal expenses since you are now starting saving for your kids’ education. You should be responsible in buying items for your personal and family needs.

You may also start preparing your kids to learn the basics of investing and saving money for their future education. They should learn to understand the value of allotting a portion of their allowances. In this way, they will have a grasp of prioritizing the things they spend with a limited allowance.