Car Insurance for All Road-Going Vehicles

sharpcarinsuranceredeerAny road-worthy motorized vehicles are still basically machineries that is operated and handled by a person at the helm.  Since automotive vehicles are heavy and have potential for tremendous amounts of speed, it is necessary that the person operating the vehicle knows how to drive his vehicle properly, knows both road and pedestrian rules, is sane, and is not under the influence of any substance that can cause him to lose focus on his driving.  Any critical mistake on the part of the drive can lead to serious injuries, damage to property, or even the loss of lives.

Cars and any other automotive vehicles are very convenient to have.  They allow you to travel in convenience without having to worry about destination or the time in which you need to travel.  In addition to this, depending on the seating capacity of your vehicle, you can bring a few people along with you as well as store some of the thing you regularly need and not be bothered of having to carry them around.

The truth is that having a car can bring you lots of conveniences.  However, despite these conveniences, it can never be denied that automotive vehicles are also very dangerous.  Mistakes on the road happen on a regular basis.  While this has not yet happened to you, with the millions of vehicles and drivers on the road on a daily basis, something unfortunate is bound to happen.  The thing is that nobody really wants any accidents or mishaps on the road.  In fact, nobody in the right mind will even wish for such things to happen to other drivers.

The sad truth though is that vehicular accidents are real and they always happen in an instant thus making them hard to predict.  Even if you consider yourself a very safe driver, it does not always mean that the other drivers around you are safe and good drivers as well.  Accidents can happen anywhere at any time and all people and property that are near roads have the potentiality for these dangers.

While there is no real protection from the dangers of accidents, you can however protect yourself with the costly damages that they can do.  By making sure that your car is insured, any mishaps involving your car will be covered by your auto-insurance.  This will help to save you from the financial burdens of settling the damages and bills your car may get involved with.  Red Deer Car Insurance provides different car insurance policies. Choose the one you think is most suitable for your needs.…

9 Ways to Save Money on Groceries

Free Money Finance recently shared 6 ways to save money on groceries.  I’ll share their 6 tips first, plus a few more I’ve thought of:Save money

  1. Store sale – Check the store’s sales flyer or website for their daily or weekly deals.
  2. Store coupon – You’ll usually find these in the sale flyers, on their website, or in-store.
  3. Manufacturer coupon – You’ll find these in your newspaper (especially on Sundays or right before holidays).  You can also search online for a coupon from a certain manufacturer (for example, search for Keebler cookie coupon.)
  4. Cash back rewards – Buy your groceries with a credit card that pays you back.
  5. Store rewards – More and more stores offer discounts on gas or groceries when you buy certain items, or spend a certain amount.
  6. Rebates – Rebates are cash back rewards for buying a certain item. Sometimes you can receive an instant rebate on an item (which means it is basically a coupon) but other times you have to request the rebate by mail or online in order to receive it.  These are a hassle if you forget and don’t submit your rebate request.  Ask me how I know that! ; )
  7. Shop discount stores – Stores like Aldi, Save-a-Lot, and dollar stores offer low prices every day, but may have a limited selection.
  8. Warehouse Clubs – At Costco, Sam’s Club or BJ’s, you can often get great deals on groceries but you typically have to buy in bulk.  But, selection varies, certain products rotate in and out, and you have to be a member to shop there.
  9. Buy direct from the farmer – We buy honey, eggs, and some meat and produce direct from farmers in our area.

The Financial 10 Commandments

Financial

I recently came across this list of “The Financial Ten Commandments.”

They were taken from a message by Bill Hybels at Willow Creek Community Church (located in the Chicago area) in January of 1999.

The Financial Ten Commandments

  1. Thou shalt work hard.
  2. Thou shalt establish a plan.
  3. Thou shalt avoid debt like the plague.
  4. Thou shalt distinguish between needs and wants.
  5. Thou shalt determine when enough is enough.
  6. Thou shalt not seek after get-rich-quick schemes.
  7. Thou shalt not compete with the Jones.
  8. Thou shalt not make major decisions without wise counsel.
  9. Thou shalt not corrupt your children with money.
  10. Thou shalt not orient your life around money.

I can’t say that I disagree with any of these.  But I haven’t always lived by them, either.

There’s a lot of wisdom here about maintaining balance in life, achieving financial freedom, living on-purpose, and the use of money as a tool instead of an end-goal.

Looking back on my life, I’ve definitely experienced a lot of financial frustration (and debt) when I haven’t followed commandment #2 and lived according to an established financial plan.

And really, now that I think about it, failing at any one of these Financial 10 Commandments can lead to an increasing burden of debt.

What’s your take on The Financial 10 Commandments?  Which ones are easy, or difficult, for you to keep?…

Six Ways to Save Money on Haircuts

I’m always amazed at how expensive it is to get your hair cut or styled.  At least, it seems expensive to me.

Gratefully, I’ve discovered a few simple ways to save money at the hair stylist – and even get free haircuts!Hair cut

When I was young, I thought pastors (male ones, anyway) were required to have bad hair styles.  Then again, it was the 80′s…so maybe everyone had bad hair back then. :)

Today, many male pastors (especially those under 40), are “stylin” with the latest cool cuts.

But whether we’re talking men or women, boys or girls, the price for haircuts for a pastor’s family can add up fast!

Where I live, the average price for a male haircut is $16.00 – $20.00 and for women it is $20.00 – $24.00.  Of course, if you add a shampoo or other services, the cost increases.

The good news is that the amount of savings can add up fast too, if you follow these six ways to save money on haircuts.

Six Easy Ways to Save Money on Haircuts

1.  Cut your hair a little shorter each time you get it cut, so you don’t have to come back so soon.  I do this especially in the summertime.

2.  In addition to cutting your hair shorter, you could let it grow a little longer before you come back to have it cut again.

3.  Buy gift certificates that offer a bonus.  For example, during Mothers Day, Fathers Day, Graduation and the Christmas seasons, many hair salons offer a special deal like “Get a $25 gift certificate for only $20.00.”  There’s no reason you can’t buy these for yourself to use.  You just have to remember that you’re paying money today in order to save money a month or two down the road.

4.  Sign up for the “frequent customer” club or birthday clubs where available.  Many hair stylists offer one free or discounted haircut after you’ve paid for five or six.  And some salons offer a free haircut or a discount for your birthday.

5.  Ask if your stylist offers a discount or bonus if you make a referral (invite someone else to use your same hair stylist).

6.  Check to see if there are any beauty colleges or salon training centers in your area that offer free or discounted haircuts.  In our community, there are probably six or seven beauty colleges and at least one salon training center (that we know of) where their professional stylists come once or twice a year for continued training.

My wife and our five children have received free haircuts for nearly a year at this training center.  The only reason I haven’t done it yet is that you have to book your appointments in advance before the limited spaces fill up, and my schedule is so unpredictable due to frequent travel.

By taking advantage of these free haircuts, we’ll save about $1,200 over the course of the year!  That’s a pretty significant amount of savings for us.  How about you?…

Are Museum Memberships Worth the Cost?

Museum MembershipHere at Pastor Personal Finance, we offer money help for pastors, missionaries, and other ministry leaders, to help you s-t-r-e-t-c-h your money as far as possible.

Spring Break is coming soon, and a lot of families I know are planning to take their kids to the zoo, museum, botanical garden, aquarium, or other similar attraction.  Whenever our family goes to one of those places, we’re faced with a decision:

Should we pay the one-day admission price, or is it better to buy an annual membership?

Six things to consider before buying a museum membership

Regardless of your family size, here are some things to consider before buying an annual membership to your local zoo, museum, botanical garden, or other cultural attraction.

  1. Is it tax-deductible? I was surprised to discover that some museums or other such institutions consider all, or a portion, of your annual membership dues to be a tax-deductible gift.  So just looking at it from a tax perspective, buying a membership that is deductible, instead of buying tickets for one-day admission which are not deductible, may be a smart money move.
  2. What’s the difference in price between the one-day cost and the annual membership? An easy way to decide if a museum membership is worth the cost is to calculate how many times would you need to visit before the membership actually saves you money. For example, we learned it would cost $41 to buy one-day admission for our family of seven at our local art museum, and $65 for an annual family membership – a difference of $24.  So just looking at it from this angle, we’d only have to visit twice (or actually, 1.5 times) in order to save money with the annual membership.
  3. What if you buy the annual membership but don’t go enough times to save money – isn’t that a waste? Maybe.  But you can also just chalk it up as a donation to a “good cause” in your community, whether it actually was a deductible donation or not.
  4. What kind of special offers or discounts would you receive as a member? Most museums or other cultural attractions provide a nice list of benefits that you would receive as a member.  Most give members at least a 10% discount at the gift shop.  Some offer free or discounted parking, free admission to special members-only events, free or discounted admission to special exhibits that everyone else pays extra for, discounts on camps for your kids, and free kids activities and events throughout the year.  Some even offer their members discounted admission to other local cultural attractions.
  5. Are there reciprocal benefits? Your membership at your local museum, zoo, science center, botanical garden, aquarium or other cultural institution may also give you free admission to other similar institutions across the country and even the world.  Most will advertise if they offer reciprocal benefits, but if you don’t see it listed, just ask.
  6. What is the entertainment or educational value? It’s nice to visit any museum or other cultural attraction at least once.  Some, you might feel, aren’t worth a second trip.  But others might have a higher educational or entertainment value which would cause you to want to go more frequently.  Our family has an annual membership at our local art museum, botanical gardens, air and space museum, and history museum.  We feel those memberships are well worth it just to have a place to go on a rainy or snowy or sunny day (depending on the mood or situation), when the kids are bored, when you don’t know what to do, when you want to do something special with one or all of your kids, etc.  Each attraction offers special events or activities that give us something fun and educational to do.  One of the biggest values for us right now is the free kids art classes that the art museum offers every Saturday – we go there at least once a month just for that.