12 Ways to Pay Less

Every where you go it seems you are bombarded by "Buy and Save"
sales ads. Why only shop the sales, why not look to save money
on other purchases not advertised as sales? Here are insider
tips and strategies to get the lowest prices on things you want.

Pet MedicinePrescriptions for Fido or Kitty can be costly and treatments
for fleas and ticks can vary widely depending on the
veterinarian. Head online to find a pet pharmacy where prices
can be as much as 40 - 60% less than a local vet.

Remnant PaintLarge chain store home improvement places, such as Home Depot,
are beginning to allow customers who over estimate the amount of
paint to return the unopened cans. These colored paint
"remnants" sell for as little as $5 a gallon - compare to $25
for a can off the shelf. Buy on Mondays after weekend DIY'ers
return their over bought paint.

Department Store ClearanceAsking your local department store for their nearest clearance
center can be a good way to save some cool cash. Unfortunately,
the nearest clearance center might not be all that close. You
might want to factor in the cost of a road trip.

Retroactive SalesAn unadvertised sale is what you get when you purchase an item
and the next week is goes on sale. Take your receipt back to the
store and within the time limits and you'll be refunded the
difference.

Refurbished ElectronicsFactory refurbished equipment means it has been certified by
the company as being repaired if necessary and tested to be as
good as the full priced products. The refurbished product even
comes with a full warranty most of the time. Savings can be as
much as 66% off the regular price.

Be In The KnowWebsites for companies like L.

L. Bean allow you to register to
receive head-up alerts when discontinued items are made
available at factory stores.

Seasonal Service Off-SeasonContractors often employ crews year-round. Frequently they will
take deep discounts when business slows down, such in winter.
Non-emergency work can often be done just about anytime so offer
to have the work done when the crews are in the area and save on
the travel charge.

Give Naked GiftsGift-wrapping can add significantly to the cost of a gift. You
can use your color printer and print your own wrapping paper
from online websites, if you want. If your purchase comes in a
pretty box, wrapping paper would be a waste of time and money.
Using the comic section from the Sunday paper can provide a
touch of humor in your gift-giving.

Group DiscountsAsk your hair salon if they give a discount price for a group.
If so, take along 5 of your friends for a girl's night out.

Room Re-doFactory owned outlet stores sell brand new furniture for
significant savings. Verify that the store really is a factory
owned outlet before you buy. Many will sell to you right over
the phone or through a website and save you 50% or more.

Train A StylistIf you frequent large hair salons, junior staffers will give
you just as good of haircut as the senior staff, only at
significant savings. If you happen to live near a Hair College,
you can volunteer to have your hair cut by stylists in training
to save even more. An experienced stylist is always on hand to
fix any serious mistakes.

Club PurchasingBuying from a warehouse or club store can produce significant
savings. These savings are only valid though if you use the
product before it spoils. If there is a question about being
able to use the bulk product, shop with friends and divide the
product between 3 or 4 families.
You'll save money and have fun
at the same time.

Taking time to look for better deals than what you see on the
shelf can save you a lot of money during the year. Being
unafraid to try something new or ask for a better price can save
you even more.

Roger Sorensen is a Financial Speaker and Author and the editor of Money Basics – The Newsletter found online at the website http://www.

Slave2Work.com. You can contact him through the website, read articles he has written and find his most recent book “You Don’t Own Money 2nd Edition” at the Slave2Work.com Bookstore - http://www.slave2work.com/products/ematerials/ebooks/ydom2ebook.html

Roger Sorensen