I found this interesting article earlier today on how to save $1,000 a year! I think I might give it a go, how about you guys? Thanks for reading.

Let’s face it – we could all use more money.

But short of getting a big raise (fat chance), switching jobs, or winning the lottery, “more money” isn’t in the cards for most people. At least that’s the perception. Because truthfully, there are ways you can add more money – a lot more money – to your bottom line.

If you want to increase your spendable money by $1,000’s of dollars (yes, that’s thousands), there are a few really simple ways to do it, which we’ll go over in this article.

#1 – Pay Less for Auto Insurance:

No brainer here – you’re probably paying too much for automobile insurance. And guess what? Your insurance company wants to keep it that way.

But the truth is, most Americans pay far more than they should. Many insurance companies will give you a better rate based on your driving history, how many miles you drive to work, and more. If you didn’t compare companies when you got your current policy, you are almost certainly paying too much.

So how can you find out who will offer you better rates? Simple – you visit an independent, unbiased service that compares insurance company’s rates based on the criteria you enter. Insurance.Comparisons.org is such a site – it takes mere minutes to fill out their simple form, and you’ll likely be quite surprised at how much you can save.

#2 – Little Known Way to Pay Off Mortgage:

Here’s the deal with mortgage refinancing – right now, rates are at a historic low. Add in the government’s own Home Affordable Refinance Plan (HARP), and you have a situation where you can save on average $4,100 a year simply by refinancing at a lower rate.

And not only will you save money, if you wish, you can likely end up paying off your mortgage sooner. Plus, maybe even skip a payment or two at the onset of your new loan.

Lower payments every month, more money in your pocket right now and perhaps even a shorter term – that’s a win / win / win for you. That’s how powerful interest rates and the HARP program are. And the best news? Most Americans qualify.

To see if you qualify, simply take 5 minutes and fill out this fast online form.

#3 – Get a Grant to Go Back to School:

By going back to school (even an online school), you can get a better job, or make that “fat chance” raise we mentioned earlier a reality.

The great part is, as an adult, there’s a good chance grant money is available to you. The government has set aside millions of dollars for returning students. This includes people who were laid off, single moms, those looking for a career change, or anyone looking to go back to school to better themselves. Plus, this grant money can be used for online schools, meaning you don’t need to pick a school near you.

But how to find the right schools, and see what grants are available? We found a comparison website that does exactly this. Not only will you find the ideal school for what you want to do, you will also see what grant money is available to you.

#4 – Are You Ready for A More Confident Retirement?

Are you looking ahead to relaxing during your retirement years and want to help ensure that you are financially stable? If so, we believe our readers will find this helpful. Your future will be determined by your income and the retirement strategy you make for it today.

What we’ve found is a “Hybrid” Annuity^ that can guarantee* you a stable, predictable retirement income you cannot outlive. Also, while protecting your principal, a “hybrid” annuity, or a fixed index annuity with income rider, has the potential for earnings when the market rises without direct participation in market risk. Take a look at this free video that explains the ins and outs of these annuities, and get on a path to a more confident retirement.

^”hybrid” annuity is a term used for a fixed index annuity with an income rider / *annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer.

Article taken from http://lifestylejournal.com/the-secret-to-saving-1000s-a-year/?aff=1205&sub=zerem-3i-5

There you have it – four different ways you can save (or earn more), which can amount to $1,000’s of dollars a year.

Hope you guys enjoyed the article!

A Master Move
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