A QUICK NOTE FROM HOW TO MANAGE MONEY TIPS:

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In today’s market, anything is possible. So why not look for creative ways to reduce your mortgage payment without refinancing or applying for a credit line. Below are five very important tips that can assure a decrease in your monthly expenses if you apply these to your homeowner’s insurance policy.

• Shop Around – one of the best ways to compare your home insurance premium is to shop around. In the online world that we live in today, it’s very easy to get multiple quotes from companies and compare rates and coverage options that can reduce your premium by 30% to even 50% depending on the company and coverage details.
• Combine your Home and Auto Policy Together – Most homeowners own a car, so why not combine the two policies together and save an additional 10% or more. You may want to also combine your life and health insurance coverage if it means saving a little extra each month.
• Raise your Deductible – Increasing your deductible means saving more monthly on your premium, but it also means that you will need to pay more for a loss on your homeowner’s premium if an accident occurs.
• Home Improvements – Updating your home is a great way to reduce your monthly bills. Most insurance agents apply additional discounts for storm shutters or a new roof for example so it’s important to look into what upgrades will help you save additional income.
• Install an Alarm System – If you install a functional security system in your home then you may apply for additional discounts on your home insurance policy. Read the rest of this entry

This guest post was written by Go Banking Rates, bringing you informative personal finance content and helpful tools, as well as the best interest rates on financial services nationwide. Follow them on Twitter at @GoBankingRates.

One of the biggest perks offered by many employers is the retirement plan match. Often, when you deposit money into your account, your company will contribute a percentage as well (up to about six percent of salary in most cases). That means if you’re not taking advantage of your employer 401(k) match, you’re essentially accepting a voluntary pay cut. Or, to look at it from another perspective, you are giving up a guaranteed return on your contributions.

Unfortunately, plenty of workers that were happily contributing to their retirement savings plan on a regular basis are no longer earning that match. A Read the rest of this entry